Guardian needs a permission 

Do as follows

1. Check whether you need a permit for the planned action

   The list below shows which actions require a permission and in which situations.

   The sale and purchase of a dwelling or right-of-occupancy

   You will need a permit when you intend to sell or buy some of the following owned by your client alone or in part or as a stakeholder in an estate: 

   • shares in a housing company 
   • right-of-occupancy housing 
   • holiday shares. 

   Buying or selling garage shares or a parking space does not usually require a permit. However, you will need a permit if the share involves personal liability for the company's debts. 

   Purchase or sale of real property

   You will need a permit when 

   • you are selling or buying real property owned by your client alone or in part or as a stakeholder in an estate 
   • the transaction concerns an unseparated parcel or part of the property 
   • the transaction concerns the leasing or other right of use with its buildings. For example, you will need a permit for the sale of a single-family house located on a rental plot. 

   Partition or separation of property and the division of inheritance

   When your client is a stakeholder in an estate and the property of the estate is to be divided to heirs in the division of inheritance, you will need a permit for the division of inheritance. The partial division of inheritance or simply the division of the estate’s funds, among others, will require a permit. 

   When a widow(er) is a stakeholder in an estate, a partition or separation of property must be carried out in connection with the division of inheritance. At this time, you can submit one permit application for both the partition or separation of property and the division of inheritance. 

   However, you do not need our permission, for example, 

   when the District Court has appointed an estate distributor to the estate, tasked with managing the matters related to the distribution of inheritance 
   for actions related to the settlement of the estate, such as paying invoices or closing extra accounts.  

   Granting and Taking Loans and Pledging Property

   Granting a Loan

   
   Taking a Loan

   You need a permit when you are

   • taking a loan on behalf of your client, other than a government guaranteed student loan or a social loan granted by the wellbeing services county. Your client must be the debtor in the loan.
   • changing the loan terms or consolidating loans.
   • acting as guarantor on your client’s behalf for another person’s debt. This applies to suretyship, secondary guarantee, and supplementary guarantee.

   You do not need a permit if you are changing the contractual terms related to the repayment of your client’s loan, such as due dates, the amount of instalments, or if you are applying for payment holidays.

   Pledging Property

   Approval of an Asset Management Plan

   As a guardian, you may on your own initiative apply for our approval of an asset management plan. As the supervisory authority, we may also require you to prepare and have such a plan approved as guidance for the management and use of the property, if this is deemed necessary considering the nature and value of the property or other circumstances.

   
   For example, you may apply for approval of an asset management plan concerning investment of your client’s assets in investment targets that require a permit. Once we have approved the investment plan, you may carry out investments according to the plan without case by case permits.

   Leasing and Investing

   Leasing

   
   You need a permit when you enter into a fixed term agreement for more than five years and you

   • lease out real property owned by your client (including, for example, leasing farmland)
   • transfer a land lease or other right of use held by your client to another party
   • lease out a dwelling owned by your client (including a right of occupancy dwelling)

   You do not need a permit if the agreement is fixed term for less than five years or is valid until further notice.

   
   However, you do need a permit if the notice period for an open ended agreement is so long that the agreement is essentially comparable to a fixed term agreement exceeding five years.

   Investing

   
   Check, for example with your bank, whether a particular investment target requires a permit.
   As a rule of thumb, you do not need a permit when investing your client’s assets in common investment instruments such as

   • domestic or EEA listed shares (including First North)
   • UCITS fund units

   However, you need a permit in the following situations:

   • You invest your client’s assets in a special investment fund (non UCITS).
   • You intend to purchase crypto assets with your client’s assets.
   • You invest in permit required targets through unit linked insurance policies.

   Note that you may also prepare an asset management plan and seek approval for it regarding investments. In that case, you do not need case by case permits for these measures.
    

   Renunciation of Inheritance or Transfer of an Inheritance Share

   You need a permit when you renounce inheritance or property received under a will on behalf of your client.

   
   Renouncing inheritance without compensation is usually possible only in over indebted estates or when the client has already received their share in advance.

   The same rules apply to guardians acting on behalf of minors.

   
   You also need a permit to transfer an inheritance share. Since you may not gift your client’s property, a transfer is possible only if your client receives compensation corresponding to the fair market value.
    

   Establishing a General Partnership or Limited Partnership

   You need a permit when you enter into an agreement on behalf of your client to

   • establish a general partnership
   • establish a limited partnership
   • join such partnerships

   You need a permit regardless of whether you become a general or limited partner.
   Transferring partnership shares does not require a permit.
    

2. Make sure that you are not disqualified from representing your client in the action you are planning to take

   You are disqualified, for example, if you yourself or someone close to you is a party to the action or the distribution of an estate. In such cases, you must apply to us for a substitute. The substitute appointed by us will then apply to us for permission for the action.

    

3. If your client is a minor aged 15 or over, find out their opinion on the planned transaction

   As guardian, it is your duty to contact your client and find out their opinion. Attach your client's written opinion to the application either in the section reserved for it in the permit application or by means of a separate consent form (in Finnish).

   Consent form

4. Obtain the required attachments for the permit application

   From the list below, you can see which attachments the action you are planning requires.

   Asunnon tai asumisoikeuden myynti ja osto

   Required attachments: 

   • permit application 
   • deed of sale or draft of deed of sale 
   • a current assessment of value or another reliable report or assessment on the value of the property 
   • a building manager certificate 
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Also note: 

   • When purchasing shares, attach a report on how funding will be arranged. 
   • If a party to the transaction is an estate, attach copies of the following documents: 
     • an estate inventory deed without an account of family relationships (note! estate inventory deeds of all estates relevant to the matter) 
     • potential will, including its service of notice and certificate of validity 
     • any prenuptial agreement and certificate of its registration. 
   • If the transaction concerns right-of-occupancy housing, attach the right-of-occupancy agreement, the transfer price calculation and the waiver notification. 

   Purchase or sale of real property

   Required attachments: 

   • permit application 
   • deed, a draft of deed or a preliminary agreement 
   • a current assessment of value or another reliable report or assessment on the value of the property 
   • an expert assessment on the value of the forest 
   • an appraisal on the value of the farmland by the local Agricultural Administration Office or another expert 
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Also note: 

   • In the case of the transfer or acquisition of a land lease or equivalent right of use, please attach a land lease agreement. 
   • If, when you are acquiring real property, the seller's right of ownership is not listed in the title deed, attach an additional explanation of the property’s ownership 
   • If a party to the transaction is an estate, attach copies of the following documents: 
     • an estate inventory deed without an account of family relationships (note! estate inventory deeds of all estates relevant to the matter) 
     • potential will, including its service of notice and certificate of validity 
     • any prenuptial agreement and certificate of its registration. 
   • When purchasing real property, attach a statement on how the funding for the purchase will be arranged.

   Partition or separation of property and the division of inheritance

   Required attachments: 

   • permit application 
   • a partition or separation of property and/or a division of inheritance agreement or its draft 
   • a copy of an estate inventory deed without an account of family relationships (note! estate inventory deeds of all estates relevant to the matter) 
   • a copy of a potential will, including its service of notice and certificate of validity 
   • a copy of any prenuptial agreement and its registration certificate 
   • a statement on the fair value of the property (an expert's statement/other reliable statement) 
   • information on the ownership of the property to be divided 
   • a statement on the status of the estate if changes have taken place in the estate's assets or debts after the estate inventory, including copies of deeds of sale and sales vouchers, account statements as necessary, etc.  
   • if the marriage did not end in the death of a spouse, a report detailing all assets and debts at the date when the divorce was applied for
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Granting and Taking Loans and Pledging Property

   Granting a Loan

   Required attachments: 

   • permit application 
   • credit instrument or its draft, which lists the parties to the loan, its amount and interest rate, repayment plan, other terms and conditions, and collateral 
   • information on the debtor's financial situation and their ability to repay their loan (income, expenditure, other liabilities and other factors affecting their ability to pay) 
   • information on the fair value of the pledge, copies of the share certificates or mortgages to be pledged, information on other assets to be pledged and a copy of the commitment to a pledge. 
   • a building manager certificate for an apartment 
   • written consent by a debtor for a credit review 
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Taking a Loan

   Required attachments: 

   • permit application 
   • a loan decision, a draft of the credit instrument or other certificate from the creditor on the terms and conditions of the loan 
   • in the case of arranging loans, an explanation of the extent to which the former liabilities remain in effect 
   • a report on your client’s ability to service their debt 
   • if you guarantee the debt of another person on behalf of your client, attach a loan decision concerning the guarantee, a guarantee commitment, an account of the borrower's ability to cope with the debt and an account of the client's ability to cope with the guarantee liability 
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Pledging Property 

   Required attachments: 

   • permit application 
   • special pledge commitment, a draft agreement or other information on the terms and conditions of the pledge 
   • a loan decision, a draft of the credit instrument or other certificate from the creditor on the terms and conditions of the loan 
   • information on any other securities 
   • the borrower's report on their ability to service their debt. 
   • the borrower’s certificate of wages 
   • a list of the pledged property, its value and the client’s right of ownership 
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Also note: 

   • If you intend to arrange loans and guarantees, attach information on the extent to which the former liabilities remain in effect. 
   • If an estate to which the client is a stakeholder is the pledger, attach copies of the following documents:  
     • an estate inventory deed without an account of family relationships (note! estate inventory deeds of all estates relevant to the matter) 
     • potential will, including its service of notice and certificate of validity 
     • any prenuptial agreement and certificate of its registration. 

   Approval of an Asset Management Plan

   Required attachments:

   • an asset management/care plan showing your client’s assets and a plan for their use and management
   • a written opinion from your client aged 15 or older regarding the intended measure

   Attachments required for approval of an investment plan:

    

   • description of the specified investment targets, the amount to be invested, the period for which approval is sought, and whether expert services are used
   • if you invest in 
     • unlisted shares or subscription rights: articles of association and latest financial statements
     • cooperative shares: cooperative bylaws and latest financial statements
     • bonds: bond terms
     • fund units: fund rules
     • options or futures: sufficient documentation on the derivative contract terms and the issuer’s financial standing
     • crypto assets: necessary documentation
   • description of the client’s total wealth and its composition
   • deed of gift if the invested assets were received as a gift
   • written opinion from your client aged 15 or older regarding the intended measure

   Leasing and Investing

   Leasing

   Required attachments: 

   • permit application 
   • lease or its draft 
   • when transferring a land lease or other right of use on behalf of your client, attach the original lease agreement  
   • when renting an apartment, attach a building manager certificate 
   • an expert’s assessment or other reliable report on the adequacy of the rent. 
   • if the property concerned is owned by an estate, attach copies of the following documents: 
     • an estate inventory deed without an account of family relationships (note! estate inventory deeds of all estates relevant to the matter) 
     • potential will, including its service of notice and certificate of validity 
     • any prenuptial agreement and certificate of its registration.  
   • if your client is a minor aged 15 or over, the client’s written opinion on the planned action. 

   Investing

   Required attachments:

   • permit application
   • if you invest in 
     • unlisted shares or subscription rights: articles of association and latest financial statements
     • cooperative shares: cooperative bylaws and latest financial statements
     • bonds: bond terms
     • fund units: fund rules
     • options or futures: adequate documentation on contract terms and the issuer’s financial standing
     • crypto assets: necessary documentation
   • written opinion from your client aged 15 or older regarding the intended measure

   Renunciation of Inheritance or Transfer of an Inheritance Share

   Required attachments:

   • renunciation notice or transfer agreement/draft
   • copy of the deed of estate inventory without genealogical reports (all relevant estates)
   • copy of any will and its proof of service and legal validity
   • copy of any prenuptial agreement and its registration certificate
   • documentation of the fair market value (expert valuation or other reliable evidence)
   • documentation on the estate’s financial situation if it has changed after the inventory (e.g. deeds of sale, receipts, bank statements)
   • written opinion from your client aged 15 or older
      

   Establishing a General Partnership or Limited Partnership

   Required attachments:

    

   • partnership agreement
   • documentation on the scope, financing, content, profitability, and liabilities of the business
   • latest financial statements when applying to join an existing partnership, change company form or merge
   • if an estate in which your client is a shareholder wishes to continue the business after a general partner’s death: 
     • deed of estate inventory (all relevant estates)
     • any will with proof of service and legal validity
     • any prenuptial agreement with registration certificate
   • written opinion from your client aged 15 or older

    

5. Submit a permit application

   You can apply for a permit in the new Guardianship E-service.

   Go to the Guardianship E-service

   You will need online banking codes or a mobile certificate to use the e-service

   Are you unable to handle your matter online? 

   Fill in the permit application (in Finnish). Describe in concrete terms which action you intend to take and explain why it is in your client's best interest. Save the form on your device before filling it in.

   The permit application

   Attach the required attachments to your application and submit all documents at the same time. This will speed up the processing of your application. A list of the attachments required for different actions can be found in section 4.

   Submit the signed printed application and its attachments to us

   • by mail to the following address: Digital and Population Data Services Agency / Guardianship Services, P.O. Box 1004, FI-00531 Helsinki
   • by delivering them into the mailbox of our nearest service location. 

    

6. We will process your application. Please wait for our decision

   We process your application and check that the planned measure is in the best interests of your principal.

   If we need additional information or other documents, we will request them by email, by post or by phone.

   Go to the Suomi.fi Messages service.

7. You will receive the decision

   You will receive the decision on the permit either by post or via Suomi.fi Messages.

8. If you are not satisfied with the decision, you have the right to appeal it to the Administrative Court

   Instructions on how to do this are enclosed with the decision.