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Avoliiton määritelmä

Avoliittolain mukaan avoliitolla tarkoitetaan yhteistaloudessa asuvia parisuhteen osapuolia, jotka ovat asuneet yhteistaloudessa vähintään viisi vuotta tai joilla on tai on ollut yhteinen tai yhteisessä huollossa oleva lapsi. Avopuolisoksi ei kuitenkaan voida katsoa sellaista henkilöä, joka on avioliitossa. Jos ette ole edellä mainitun määritelmän mukaisesti avoliitossa, vastaa kysymykseen "En ole naimisissa/avoliitossa".

Avioehto tai avoliittosopimus

Avioehto tai avoliittosopimus voivat vaikuttaa siihen, mitä jälkeen elävällä puolisolla on oikeus saada ensin kuolleen puolison jälkeen tehtävässä omaisuuden osituksessa tai erottelussa. Jos ette ole laatineet avioehtoa tai avoliittosopimusta, ositus tai erottelu tehdään lain mukaan.

Tasinko

Jos aviopuolisoilla on avio-oikeus toistensa omaisuuteen ja ensin kuollut aviopuoliso oli varakkaampi, leskellä on oikeus saada kuolinpesästä tasinkoa siten, että leski saa puolet puolisoiden avio-oikeuden alaisen omaisuuden säästöstä. Jos puolestaan leski on ensin kuollutta puolisoa varakkaampi, leski voi kieltäytyä luovuttamasta omaisuuttaan ensiksi kuolleen puolison perillisille.

Lesken oikeus hallita jäämistöä jakamattomana

Jälkeen elävällä aviopuolisolla on oikeus pitää jakamattomana hallinnassaan puolisoiden yhteisenä kotina käytetty koti ja tavanmukainen asuntoirtaimisto tai muu jäämistöön kuuluva, lesken kodiksi sopiva asunto, jollei lesken omaan varallisuuteen sisälly hänen kodikseen sopivaa asuntoa. Jälkeen elävällä avopuolisolla ei ole vastaavaa oikeutta suoraan lain nojalla.

39:T971,

Yksilöi omaisuus

Jos annat jotain tiettyä omaisuutta, kirjoita selkeät tunnistetiedot, joiden perusteella ulkopuolinenkin taho tietää, mitä omaisuutta tarkoitat:

Jos kyseessä on kiinteistö: Merkitse kiinteistön nimi, kiinteistötunnus ja osoite.
Jos kyseessä on asunto: merkitse asunto-osakeyhtiön nimi ja Y-tunnus, osoite, osakehuoneiston numero, sekä osakkeiden numerot ja lukumäärä.
Jos kyseessä on ajoneuvo: merkitse merkki, malli, vuosimalli ja rekisteritunnus
Jos kyseessä on tili: merkitse tilinumero, sekä pankin nimi ja Y-tunnus
Jos kyseessä on rahasto: merkitse rahaston nimi ja rahasto-osuuksien lukumäärä

Voit itse päättää

Lähtökohtaisesti voit jakaa perintösi haluamallasi tavalla. Voit antaa jotain tiettyä omaisuutta tai tietyn rahasumman, jolloin on kyse niin kutsutusta legaatista. Vaihtoehtoisesti voit jakaa perintösi prosentuaalisesti testamentinsaajien kesken.

Lasten oikeus lakiosaan

Jos sinulla on lapsia tai lapsenlapsia, heillä on oikeus vaatia ja saada tietty osuus perinnöstäsi riippumatta siitä, mitä testamentissasi määräät. Lakiosa on käytännössä puolet jaettavan omaisuuden arvosta.

Herääkö sinulle kysyttävää tai erityisiä toiveita testamenttimääräysten osalta?

Voit halutessasi ottaa meihin yhteyttä chatin kautta tai varaamalla maksuttoman 15 minuutin neuvottelun puhelimitse.

3a:T4b5,

Voit antaa hallintaoikeuden jollekin jälkeesi jäävään omaisuuteen. Hallintaoikeus rajoittaa omistajan valtaa määrätä esimerkiksi omaisuuden luovuttamisesta. Hallintaoikeus huomioidaan vähennyksenä omistusoikeuden saajalle määrättävän perintöveron määrässä.

Hallintaoikeuden saajalla on oikeus käyttää ja hallita omaisuutta, sekä pitää siitä saamansa tuotto. Omaisuutta hallitessaan hänen on kuitenkin huomioitava omistajan oikeus ja etu, sekä vastattava omaisuudesta johtuvista tarpeellisista kustannuksista.

Hallintaoikeus voidaan antaa eliniäksi tai tietyksi määräajaksi. Tässä yhteydessä testamenttimääräys muotoillaan siten, että hallintaoikeus annetaan eliniäksi koko omaisuuteesi. Jos haluat muuttaa hallintaoikeuden määräaikaa tai rajoittaa sen koskemaan vain tiettyä omaisuutta, suosittelemme ottamaan yhteyttä lakimieheemme tarvittavan testamenttimääräyksen muotoilemiseksi.

3b:T5cf,

Mikä on lakiosa?

Testamentintekijän lapsilla ja lapsenlapsilla on lähtökohtaisesti oikeus vaatia ja saada tietty osuus perinnöstä riippumatta siitä, mitä testamentissa on määrätty. Tätä osuutta kutsutaan lakiosaksi.

Lakiosa on puolet siitä, mitä lapsesi saisi jälkeesi, jos perintösi jaettaisiin lakimääräisen perimyksen mukaisesti. Esim. jos sinulla on yksi lapsi, ilman testamenttia hän perisi lakimääräisen perimyksen mukaisesti koko omaisuutesi. Lakiosa olisi tässä tapauksessa puolet koko perinnöstäsi. Jos sinulla puolestaan olisi kaksi lasta, kummankin lakiosa olisi neljäsosa eli 25 % koko perinnöstäsi.

Mitä minun tulisi tähän vastata?

Jos olet varma, ettei testamenttisi loukkaa rintaperillistesi oikeutta lakiosaan, voit valita vastausvaihtoehdon "Testamenttini ei loukkaa rintaperillisteni oikeutta lakiosaan"

Ei myöskään ole väärin, eikä kiellettyä laatia testamenttia, joka loukkaa rintaperillisen oikeutta lakiosaan. Testamenttimääräyksiä voidaan noudattaa sellaisenaan, mikäli rintaperillinen hyväksyy testamentin, eikä vaadi lakiosaansa tietyn määräajan kuluessa.

3c:T5d3,

Lakimääräisen perimysjärjestyksen mukaan perintö jaetaan seuraavasti:

- Ensisijaisia perillisiä ovat rintaperilliset eli lapsesi ja lapsenlapsesi.

- Jos rintaperillisiä ei ole, perintö menee aviopuolisolle. Avoliitossa puoliso ei peri ilman, että tästä on määrätty testamentissa.

- Jos aviopuolisoa tai rintaperillisiä ei ole, perintö menee vanhemmillesi ja heidän lapsilleen ja lapsenlapsilleen.

- Jos edellä mainittuja ei ole, perinnön saavat isovanhempasi tai heidän lapsensa. Serkut eivät peri lain mukaan.

- Jos perillisiä ei ole, perintö menee Suomen valtiolle.

Voit poiketa lakimääräisestä perimyksestä tekemällä testamentin.

Toissijaissaaja

Jos haluat nimetä "toissijaissaajan" eli tahon, joka perii sinut, mikäli ensisijainen testamentinsaaja ei voi ottaa perintöä vastaan, niin avustamme sinua tarvittavien testamenttimääräysten laadinnassa. Kun olet vastannut kaikkiin kysymyksiin, voit varata maksuttoman 15 minuutin neuvottelun lakimiehen kanssa.

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Form","attributes":[]},{"id":"5be83ae5-1e41-430d-bb89-f6ecfd5ae9d4","name":"New Form","attributes":[]}]},{"id":"86be5b06-7166-4512-a3c7-223e5c88d702","name":"Bakgrundsinfo","type":"child","createdAt":"2026-10-13T14:07:39.096Z","blocks":[{"id":"86be5b06-7166-4512-a3c7-223e5c88d702","uuid":"86be5b06-7166-4512-a3c7-223e5c88d702","bot_id":3082,"block_id":111668,"required":true,"title":"Start Block","text":"","type":"start","category":"waypoint","org_id":109234,"position":{"x":-2,"y":-455},"next":{"id":"4ad4d404-8eed-4c1b-97e0-31ac9634d719","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"components":null},{"id":"4ad4d404-8eed-4c1b-97e0-31ac9634d719","uuid":"4ad4d404-8eed-4c1b-97e0-31ac9634d719","bot_id":3082,"block_id":111669,"required":true,"title":"Intro","text":"

Laadi testamenttisi

Vastaa yksinkertaisiin kysymyksiin ja laadi testamenttisi omaan tahtiisi. Lopuksi henkilöllisyytesi vahvistetaan pankkitunnistautumisella.

","type":"intro","category":"block","org_id":109235,"position":{"x":-62,"y":-287},"next":{"id":"518dc587-657a-44d0-ac80-c53732a4405d","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Laillin tietosuojakäytäntö ja käyttöehdot

","label":"Tutustu niihin tästä","enabled":true,"excerpt":"Valitsemalla \"Aloita\", hyväksyt Laillin tietosuojakäytännön ja käyttöehdot.\nTutustu niihin tästä.\n"},"paragraphs":[{"id":"6543767d-996e-46f8-91e0-6fcb176842d7","title":"Aloitus","color":"#000000"}],"configs":{"icons":[{"iconId":"dc192e0a-b1f3-4212-9a10-6b2fd11f1dae","iconTitle":"Juristien suunnittelema","iconSvgUrl":"https://static.lawly.io/images/icons/justice-scale-2.svg"},{"iconId":"2dc2e24a-9efa-4730-bbe3-b7032678399f","iconTitle":"Valmista 10 minuutissa","iconSvgUrl":"https://static.lawly.io/images/icons/time-history-off.svg"},{"iconId":"5ecf684a-8860-4a17-8ce4-3cfc70a86583","iconTitle":"Henkilöllisyyden todentaminen pankkitunnistautumisella","iconSvgUrl":"https://static.lawly.io/images/icons/padlock-shield.svg"}]}},{"id":"518dc587-657a-44d0-ac80-c53732a4405d","uuid":"518dc587-657a-44d0-ac80-c53732a4405d","bot_id":3082,"block_id":111670,"required":true,"title":"Medborgarskap","text":"

Oletko Suomen kansalainen?

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Kansalaisuutesi voi vaikuttaa siihen, minkä maan lakia perintöösi voidaan soveltaa

Voit testamentissasi määrätä, että perintöösi sovelletaan sen maan lakia, jonka kansalaisuus sinulla on. Tässä yhteydessä on valittavana ainoastaan Suomen laki.

Jos sinulla on useamman eri maan kansalaisuus, joista yksi on suomi, voit vastata tähän kysymykseen kyllä.

Jos et ole Suomen kansalainen, suosittelemme ottamaan yhteyttä lakimieheemme varmistaaksesi, voidaanko Suomen lakia soveltaa perintöösi.

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Voit testamentissasi määrätä, että perintöösi sovelletaan sen maan lakia, jonka kansalaisuus sinulla on. Tässä yhteydessä on valittavana ainoastaan Suomen laki, ja koska et ole Suomen kansalainen, et valitettavasti pysty laatimaan testamenttiasi tätä kautta.

Voit ottaa meihin yhteyttä puhelimitse numerolla +358 40 921 8246 tai chatin kautta, niin autamme sinua edistämään asiaasi toisella tapaa.

Oletko Ruotsin tai Tanskan kansalainen? Ota meihin yhteyttä, niin juristimme Ruotsissa tai Tanskassa voivat auttaa sinua eteenpäin.

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Mikä alla olevista vaihtoehdoista kuvaa tilannettasi parhaiten juuri nyt?

","type":"text","category":"block","org_id":109239,"position":{"x":-231,"y":648},"next":{"id":"075b9046-bd4e-48f8-8764-f1ff4f40d456","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"$38","label":"Lue lisää","enabled":true,"excerpt":"Hyvä tietää, jos olet naimisissa tai avoliitossa.\n"},"paragraphs":[],"components":[{"id":"090b425e-4a79-4167-8b28-be91cf40231c","type":"predefined","props":{"options":[{"id":"3157a05a-a854-4aaf-93f1-2208836fe4ed","title":"Naimisissa","hint":"","next":null,"value":"SPOUSE","paragraphs":null},{"id":"54d1f7c3-2d30-48c2-8820-7815c22efa9c","title":"Avoliitossa","hint":"","next":null,"value":"COLIVING","paragraphs":null},{"id":"2858dda1-2612-4492-b715-8ecdd22f92a6","title":"Ei naimisissa tai avoliitossa","hint":"","next":null,"value":"","paragraphs":null}]}}]},{"id":"5335811d-5c18-4fa8-bd28-93561c03cdba","uuid":"5335811d-5c18-4fa8-bd28-93561c03cdba","bot_id":3082,"block_id":111675,"required":true,"title":"finish","text":"","type":"exit","category":"waypoint","org_id":109242,"position":{"x":48,"y":2083},"next":null,"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"components":null},{"id":"075b9046-bd4e-48f8-8764-f1ff4f40d456","uuid":"075b9046-bd4e-48f8-8764-f1ff4f40d456","bot_id":3082,"block_id":111676,"required":true,"title":"Marital Status","text":"","type":"trigger","category":"action","org_id":109245,"position":{"x":171,"y":890},"next":{"id":"4ac49d50-bbf2-40e4-973a-6c3fb87aa887","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"action":"SET_VARIABLE","variableNew":{"name":"maritalstatus","type":"primitive","inputType":"string"}},{"id":"10c8d8c6-ed26-4429-8865-a0c50e37e4aa","uuid":"10c8d8c6-ed26-4429-8865-a0c50e37e4aa","bot_id":3082,"block_id":111677,"required":true,"title":"children","text":"","type":"trigger","category":"action","org_id":109247,"position":{"x":224,"y":1474},"next":{"id":"fa2b60e2-7728-49ab-abbd-c3202bed6602","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"action":"SET_VARIABLE","variableNew":{"name":"CHILDREN","type":"primitive","inputType":"number"}},{"id":"fa2b60e2-7728-49ab-abbd-c3202bed6602","uuid":"fa2b60e2-7728-49ab-abbd-c3202bed6602","bot_id":3082,"block_id":111678,"required":true,"title":"Barn?","text":"","type":"condition","category":"action","org_id":109249,"position":{"x":37,"y":1709},"next":null,"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"operator":">","valueLeft":null,"valueRight":null,"newValueLeft":{"arrayOperator":null,"schemaAttributeId":null,"variableDefinition":{"name":"CHILDREN","type":"primitive","inputType":"number"}},"newValueRight":"0","nextTrue":{"id":"5335811d-5c18-4fa8-bd28-93561c03cdba","handles":{"source":"source.condition.true","target":"target.top"}},"nextFalse":{"id":"5335811d-5c18-4fa8-bd28-93561c03cdba","handles":{"source":"source.condition.false","target":"target.top"}}},{"id":"4ac49d50-bbf2-40e4-973a-6c3fb87aa887","uuid":"4ac49d50-bbf2-40e4-973a-6c3fb87aa887","bot_id":3082,"block_id":111679,"required":true,"title":"Barn?","text":"

Montako lasta sinulla on?

","type":"text","category":"block","org_id":109250,"position":{"x":176,"y":1167},"next":{"id":"10c8d8c6-ed26-4429-8865-a0c50e37e4aa","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Kysymme onko sinulla lapsia, jotta voimme antaa sinulle tarpeellista tietoa testamentin laatimiseen liittyen.

Lapsilla ja lapsenlapsilla on lähtökohtaisesti oikeus saada tietty osuus perinnöstäsi. Tätä kutsutaan lakiosaksi ja se vastaa 1/2 perinnöstäsi. Toisen 1/2 perinnöstäsi voit testamentata vapaasti. Lasten on myös nimenomaisesti vaadittava lakiosaansa, jos olet sivuuttanut heidät testamentissasi. Jos siis lapset hyväksyvät laatimasi testamentin, sitä voidaan noudattaa sellaisenaan, vaikka olisit sivuuttanut lapsesi testamentillasi.

Jos sinulla ei ole lapsia, klikkaa vain suoraan painiketta \"seuraava\".

","label":"Lue lisää","enabled":true,"excerpt":"Miksi tätä kysytään?\n"},"paragraphs":[],"components":[{"id":"9aea134f-00d4-4088-bdcc-0068d9390ce0","type":"freespeech","props":{"title":"Lasten lukumäärä","hint":"","validation":{"type":"step-number"}}}]}],"schemas":[]},{"id":"4aca813e-6396-4046-af76-9b55d9fc1996","name":"Arvsfördelning","type":"child","createdAt":"2026-10-13T14:07:39.096Z","blocks":[{"id":"4aca813e-6396-4046-af76-9b55d9fc1996","uuid":"4aca813e-6396-4046-af76-9b55d9fc1996","bot_id":3083,"block_id":111680,"required":true,"title":"Start Block","text":"","type":"start","category":"waypoint","org_id":109251,"position":{"x":36,"y":-1895},"next":{"id":"3de775ba-a272-4390-9322-db166edc6d2d","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:36.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"components":null},{"id":"5604c828-5900-4221-aab8-8d8ed8a8f9dd","uuid":"5604c828-5900-4221-aab8-8d8ed8a8f9dd","bot_id":3083,"block_id":111681,"required":true,"title":"Arvingar personer","text":"

Anna sen henkilön tai henkilöiden tiedot, joille haluat antaa perintöä jälkeesi.

Seuraavassa vaiheessa voit halutessasi lisätä myös järjestöjä.

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Ilman testamenttia perintö jaetaan seuraavasti:

- Ensisijaisia perillisiä ovat rintaperilliset eli lapsesi ja lapsenlapsesi.

- Jos rintaperillisiä ei ole, perintö menee aviopuolisolle. Avoliitossa puoliso ei peri ilman, että tästä on määrätty testamentissa.

- Jos aviopuolisoa tai rintaperillisiä ei ole, perintö menee vanhemmillesi ja heidän lapsilleen ja lapsenlapsilleen.

- Jos edellä mainittuja ei ole, perinnön saavat isovanhempasi tai heidän lapsensa. Serkut eivät peri lain mukaan.

- Jos perillisiä ei ole, perintö menee Suomen valtiolle.

Voit poiketa lakimääräisestä perimyksestä tekemällä testamentin.

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Haluaisitko tehdä testamenttilahjoituksen järjestölle?

Voit itse valita, mitä ja kuinka paljon haluat perinnöstäsi antaa järjestölle.

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Millaisen lahjoituksen voi tehdä?

Testamenttilahjoitus voi olla koko perintö, prosentuaalinen osuus perinnöstä, tietty rahasumma tai jotain tiettyä omaisuutta, kuten esimerkiksi kiinteistö tai osakkeita.

Kuinka suuri testamenttilahjoituksen tulisi olla?

Kaikki testamenttilahjoitukset ovat tervetulleita, mutta on hyvä huomioida, että lahjoituksen vastaanottaminen vaatii vastaanottavalta järjestöltä hieman työtä, minkä vuoksi hyvin pientä lahjoitusta ei välttämättä ole tarkoituksenmukaista vastaanottaa. Jos olet epävarma, pystyykö järjestö vastaanottamaan suunnittelemasi lahjoituksen, suosittelemme ottamaan yhteyttä kyseisen järjestön edustajaan ja varmistamaan, pystyvätkö he vastaanottamaan kyseisen testamenttilahjoituksen.

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Aika päättää perintösi jaosta!

Voit antaa valitsemillesi testamentinsaajille prosentuaalisen osuuden perinnöstäsi, tietyn summan rahaa tai jotain tiettyä omaisuutta.

","type":"heir","category":"block","org_id":109256,"position":{"x":129,"y":272},"next":{"id":"057b1774-3c9d-4b63-84eb-42c4f9c689f3","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"$39","label":"Lue lisää","enabled":true,"excerpt":"Kuinka voin jakaa perintöni ja mitä tietoja omaisuudesta tulee merkitä?\n"},"paragraphs":[],"configs":{"country":"FI","prePopulateConfigurations":[{"id":"55a66d7e-1999-4d6d-be49-a2bb27d28e14","name":"orgHeirs to heirs","count":1,"variable":{"name":"orgHeirs","type":"schema_array","schemaId":"option"},"prePopulationMappings":{"name":{"value":"title","valueIsVariableKey":true},"type":{"value":"ORGANIZATION","valueIsVariableKey":false},"iconSvgUrl":{"value":"iconSvgUrl","valueIsVariableKey":true},"organisationId":{"value":"subtitle","valueIsVariableKey":true}},"multiplicationAttributeId":null,"multiplyByNumericVariable":false},{"id":"9fa8d049-87ae-497b-99e8-48c9f7641a46","name":"personHeirs to heirs","count":1,"variable":{"name":"personHeirs","type":"schema_array","schemaId":"72ecf7fc-2cb1-4eef-a724-f2293a216ea4"},"prePopulationMappings":{"ssn":{"value":"241d15f5-a76e-4ba9-ba49-ebfa55d9811f","valueIsVariableKey":true},"name":{"value":"69bb9efd-43cb-4eeb-9964-e016115c0cb8","valueIsVariableKey":true},"type":{"value":"OTHER_PERSON","valueIsVariableKey":false},"missingSsn":{"value":"04a55233-ae08-4130-a2ab-5aca92a8dc73","valueIsVariableKey":true},"dateOfBirth":{"value":"88c7d707-da98-4c6c-9351-c581473de1c8","valueIsVariableKey":true}},"multiplicationAttributeId":null,"multiplyByNumericVariable":false}],"allowMonetaryAndSpecificBequests":true},"schemaId":"heir"},{"id":"63494f75-c699-4aa6-a20d-028362f7fa88","uuid":"63494f75-c699-4aa6-a20d-028362f7fa88","bot_id":3083,"block_id":111686,"required":true,"title":"finish","text":"","type":"exit","category":"waypoint","org_id":109257,"position":{"x":166,"y":6414},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"components":null},{"id":"057b1774-3c9d-4b63-84eb-42c4f9c689f3","uuid":"057b1774-3c9d-4b63-84eb-42c4f9c689f3","bot_id":3083,"block_id":111687,"required":true,"title":"heirs","text":"","type":"trigger","category":"action","org_id":109258,"position":{"x":183,"y":637},"next":{"id":"53538e07-fc54-4e4d-aa97-2593e8250bb7","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[{"id":"8a9cb7b3-aecc-4d0c-bda1-048beec3479b","title":"Arvsfördelning","color":"#000000"},{"id":"bcf372f7-3b67-46f6-bdb9-ac0f0545438c","title":"Arvsfördelning resterande del/endast universella arvingar","color":"#000000"}],"action":"SET_VARIABLE","variableNew":{"name":"heirs","type":"schema_array","schemaId":"heir"}},{"id":"54112365-90d3-4378-9e3f-73ff08608060","uuid":"54112365-90d3-4378-9e3f-73ff08608060","bot_id":3083,"block_id":111700,"required":true,"title":"Vapaaomaisuusmääräys","text":"

Haluatko, että perillistesi tai testamenttisi saajien aviopuolisot eivät saa mitään osuutta perinnöstäsi?

","type":"text","category":"block","org_id":109271,"position":{"x":-73,"y":5049},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Aviopuolison oikeus toisen omaisuuteen voidaan poistaa:

Testamenttimääräyksellä
Lahjakirjan määräyksellä
Avioehtosopimuksella

Jos valitset \"Kyllä\"

Perillisen tai testamentinsaajan aviopuoliso ei saa osuutta sinulta saadusta omaisuudesta avioliiton päättyessä.

Jos valitset \"En\"

Perillisen tai testamentinsaajan aviopuoliso voi saada osuuden sinulta saadusta omaisuudesta avioliiton päättyessä.

","label":"Lue lisää","enabled":true,"excerpt":"Jos valitset \"Kyllä\", perillisen tai testamentinsaajan aviopuoliso ei saa osuutta sinulta saadusta omaisuudesta avioliiton päättyessä.\n"},"paragraphs":[],"components":[{"id":"c6a42b2f-a746-4c5f-aba8-dadfd58bf446","type":"predefined","props":{"options":[{"id":"c6b36640-838a-49d0-b8c1-4b6b9a4e6c2a","title":"Kyllä","hint":"","next":{"id":"83f30408-3f74-4cd0-affc-addc0d09810b","handles":{"source":"source.response.c6b36640-838a-49d0-b8c1-4b6b9a4e6c2a","target":"target.top"}},"value":"","paragraphs":null},{"id":"5831839c-70e2-4601-b008-b0ae05bba441","title":"En","hint":"","next":{"id":"0ead5af1-9bb7-421d-981e-c234faea2427","handles":{"source":"source.response.5831839c-70e2-4601-b008-b0ae05bba441","target":"target.top"}},"value":"","paragraphs":null}]}}]},{"id":"83f30408-3f74-4cd0-affc-addc0d09810b","uuid":"83f30408-3f74-4cd0-affc-addc0d09810b","bot_id":3083,"block_id":111702,"required":true,"title":"vapaaomaisuusmääräyksen muuttaminen","text":"

Haluatko, että perillisesi voi halutessaan kumota antamasi avio-oikeutta koskevan määräyksen?

","type":"text","category":"block","org_id":109273,"position":{"x":296,"y":5154},"next":{"id":"0ead5af1-9bb7-421d-981e-c234faea2427","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Edelliseen määräykseen voidaan yhdistää ehto, jonka mukaan testamentinsaaja voi kumota tai muuttaa avio-oikeutta koskevaa määräystä avioehtosopimuksella. Tällaista ehtoa voidaan käyttää, kun halutaan antaa mahdollisuus joustaa määräyksestä, sekä siirtää lopullinen päätöksentekovalta testamentinsaajalle itselleen.

Jos valitset \"Kyllä\"

Testamentinsaaja voi halutessaan tehdä avioehtosopimuksen, jolla perintö muuttuu avio-oikeuden alaiseksi. Jos testamentinsaaja ei nimenomaisesti määrää toisin, antamaasi määräystä kuitenkin sovelletaan sellaisenaan.

Jos vastaat \"En\"

Testamentinsaaja ei voi edes avioehdolla määrätä sinulta saamaansa omaisuutta avio-oikeuden alaiseksi.

","label":"Lue lisää","enabled":true,"excerpt":"Voit antaa testamentinsaajalle mahdollisuuden kumota edellinen määräys.\n"},"paragraphs":[],"components":[{"id":"e5772967-ff49-4239-b6de-c6c1ccdddac6","type":"predefined","props":{"options":[{"id":"0c8e1035-a994-4275-b338-3517abd8eb54","title":"Kyllä","hint":"","next":null,"value":"","paragraphs":[{"id":"63678439-b1f5-4f1d-9c2f-d8de40934e2d","title":"Vapaaomaisuusmääräys, saaja voi muuttaa/kumota ehdon","color":"#000000"}]},{"id":"e550e29b-800d-4e21-b30e-702bacd6e9b0","title":"En","hint":"","next":null,"value":"","paragraphs":[{"id":"cb885753-444c-46be-8d91-e4f52b407c8d","title":"Vapaaomaisuusmääräys","color":"#000000"}]}]}}]},{"id":"65e7e277-8266-4d6d-ad74-daf100617a70","uuid":"65e7e277-8266-4d6d-ad74-daf100617a70","bot_id":3083,"block_id":111709,"required":true,"title":"Singel med barn fördelning","text":"

Miten haluat, että perintösi jaetaan?

","type":"text","category":"block","org_id":109285,"position":{"x":123,"y":-1158},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Testamentinsaajana voi olla yksi tai useampi järjestö. Jos haluat sisällyttää testamenttiisi järjestön, valitse tässä kohtaa vaihtoehto \"Muulla tavoin\"

Toissijaissaaja

Jos haluat nimetä \"toissijaissaajan\" eli tahon, joka perii sinut, mikäli ensisijainen testamentinsaaja ei voi ottaa perintöä vastaan, niin avustamme sinua tarvittavien testamenttimääräysten laadinnassa. Kun olet vastannut kaikkiin kysymyksiin, voit varata maksuttoman 15 minuutin neuvottelun lakimiehen kanssa.

","label":"Lue lisää","enabled":true,"excerpt":"Haluatko sisällyttää testamenttiisi jonkin järjestön?\n"},"paragraphs":[],"components":[{"id":"4ec97b86-5ace-474f-b945-8db5388665c1","type":"predefined","props":{"options":[{"id":"38dbada3-2c13-45a5-92cd-775bbc2414e6","title":"Lapseni perivät minut lain mukaan","hint":"","next":{"id":"9d04bbdc-9d64-4ebf-82d2-e050d5929148","handles":{"source":"source.response.38dbada3-2c13-45a5-92cd-775bbc2414e6","target":"target.top"}},"value":"childrenall","paragraphs":[{"id":"81b841e4-5eaa-44a2-85ae-0456904604b6","title":"Lakimääräinen perimys","color":"#000000"}]},{"id":"c2eff627-7c20-451b-8a92-ec882071f522","title":"Muulla tavoin","hint":"","next":{"id":"5604c828-5900-4221-aab8-8d8ed8a8f9dd","handles":{"source":"source.response.c2eff627-7c20-451b-8a92-ec882071f522","target":"target.top"}},"value":"","paragraphs":null}]}}]},{"id":"53538e07-fc54-4e4d-aa97-2593e8250bb7","uuid":"53538e07-fc54-4e4d-aa97-2593e8250bb7","bot_id":3083,"block_id":111731,"required":true,"title":"legat debts?","text":"","type":"heirCondition","category":"block","org_id":109317,"position":{"x":189,"y":840},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"nextTrue":{"id":"c30464c4-df4c-447d-8deb-9944e9abe50d","handles":{"source":"source.condition.true","target":"target.top"}},"nextFalse":{"id":"6ee9955a-7987-4703-b83f-526bca18ef58","handles":{"source":"source.condition.false","target":"target.top"}},"variable":"heirs","calculation":"bequestMayHaveDebts","expectedValueRaw":false,"expectedValueVariable":"","useVariableAsExpectedValue":false,"useDataOptionsMatching":false,"dataSourceKey":"","optionPropertyKey":"","schemaPropertyKey":""},{"id":"c30464c4-df4c-447d-8deb-9944e9abe50d","uuid":"c30464c4-df4c-447d-8deb-9944e9abe50d","bot_id":3083,"block_id":111732,"required":true,"title":"Legat belastat med skuld?","text":"

Jos testamentattuun omaisuuteen kohdistuu laina tai velka, haluatko, että omaisuuden saaja ottaa sen vastattavakseen?

","type":"text","category":"block","org_id":109318,"position":{"x":298,"y":1044},"next":{"id":"6ee9955a-7987-4703-b83f-526bca18ef58","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Jos testamentattuun omaisuuteen kohdistuu laina tai velka (esim. asuntolaina), niin voit määrätä, siirtyykö laina tai velka omaisuuden saajalle vai maksetaanko se kuolinpesän varoista.

Jos haluat, että laina tai velka maksetaan kuolinpesästä, niin vastaa tähän kysymykseen \"Ei\".

","label":"Lue lisää","enabled":true,"excerpt":"Huomioitavaa, jos omaisuuteen kohdistuu laina tai velka (esim. asuntolaina)"},"paragraphs":[],"components":[{"id":"36ccc222-0c45-4e5a-9a59-fd955365593c","type":"predefined","props":{"options":[{"id":"5271b398-bf1e-44b3-a07d-2d8ee857ca86","title":"Kyllä","hint":"","next":null,"value":"","paragraphs":[{"id":"66f3e343-f3ac-476b-a482-72ab8e5e07b8","title":"Ta över skuld som belastar legat","color":"#000000"}]},{"id":"a7794564-909f-4046-925f-c8527373d723","title":"Ei","hint":"","next":null,"value":"","paragraphs":[{"id":"3e320771-5eae-4e2a-a5b3-c54443f5885a","title":"Skuld lösas innan legatet skiftas","color":"#000000"}]}]}}]},{"id":"5b8a47e8-dd41-4b69-aeed-b454246fad87","uuid":"5b8a47e8-dd41-4b69-aeed-b454246fad87","bot_id":3083,"block_id":111744,"required":true,"title":"Gift?","text":"","type":"condition","category":"action","org_id":109332,"position":{"x":-71,"y":4309},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"operator":"==","valueLeft":null,"valueRight":null,"newValueLeft":{"arrayOperator":null,"schemaAttributeId":null,"variableDefinition":{"name":"maritalstatus","type":"primitive","inputType":"string"}},"newValueRight":"SPOUSE","nextTrue":{"id":"19dc9287-3625-4545-8683-169d73089d20","handles":{"source":"source.condition.true","target":"target.top"}},"nextFalse":{"id":"54112365-90d3-4378-9e3f-73ff08608060","handles":{"source":"source.condition.false","target":"target.top"}}},{"id":"3de775ba-a272-4390-9322-db166edc6d2d","uuid":"3de775ba-a272-4390-9322-db166edc6d2d","bot_id":3083,"block_id":111750,"required":true,"title":"If Lawly","text":"","type":"condition","category":"action","org_id":110424,"position":{"x":26,"y":-1714},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"operator":"==","valueLeft":null,"valueRight":null,"newValueLeft":{"arrayOperator":null,"schemaAttributeId":null,"variableDefinition":{"name":"organization.id","type":"primitive","manual":true,"inputType":"string"}},"newValueRight":"36","nextTrue":{"id":"98ce95c1-10d4-4db9-9be4-c517ab751cc6","handles":{"source":"source.condition.true","target":"target.top"}},"nextFalse":{"id":"98ce95c1-10d4-4db9-9be4-c517ab751cc6","handles":{"source":"source.condition.false","target":"target.top"}}},{"id":"98ce95c1-10d4-4db9-9be4-c517ab751cc6","uuid":"98ce95c1-10d4-4db9-9be4-c517ab751cc6","bot_id":3083,"block_id":111751,"required":true,"title":"Barn?","text":"","type":"condition","category":"action","org_id":110426,"position":{"x":30,"y":-1457},"next":null,"created":"2025-12-20T07:04:37.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"operator":">","valueLeft":null,"valueRight":null,"newValueLeft":{"arrayOperator":null,"schemaAttributeId":null,"variableDefinition":{"name":"CHILDREN","type":"primitive","inputType":"number"}},"newValueRight":"0","nextTrue":{"id":"65e7e277-8266-4d6d-ad74-daf100617a70","handles":{"source":"source.condition.true","target":"target.top"}},"nextFalse":{"id":"2adec293-0222-4634-b487-2aa44688b081","handles":{"source":"source.condition.false","target":"target.top"}}},{"id":"9d04bbdc-9d64-4ebf-82d2-e050d5929148","uuid":"9d04bbdc-9d64-4ebf-82d2-e050d5929148","bot_id":3083,"block_id":111755,"required":true,"title":"Hallintaoikeus?","text":"

Haluatko antaa jollekin hallintaoikeuden jälkeesi jäävään omaisuuteen?

","type":"text","category":"block","org_id":110430,"position":{"x":-70,"y":2152},"next":{"id":"f59e49a3-6eca-478d-ad76-16b862fcc023","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:38.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"$3a","label":"Lue lisää","enabled":true,"excerpt":"Hallinta- eli käyttöoikeus jälkeesi jäävään omaisuuteen.\n"},"paragraphs":[],"components":[{"id":"d869c928-e88c-4355-95ac-1a3075442cf2","type":"predefined","props":{"options":[{"id":"a006a990-7e3b-4b52-baab-72965611a57c","title":"Kyllä","hint":"","next":{"id":"2086906a-03be-4356-b419-cf93100a8814","handles":{"source":"source.response.a006a990-7e3b-4b52-baab-72965611a57c","target":"target.top"}},"value":"possession","paragraphs":[{"id":"d572b093-509a-45bb-a4a6-836eaec8af4c","title":"Hallintaoikeus koko omaisuuteen","color":"#000000"}]},{"id":"f4ad4ff7-30bd-4acc-9a88-f499d400e2d0","title":"En, omistusoikeuden saaja saa omaisuuden heti käyttöönsä","hint":"","next":null,"value":"","paragraphs":null}]}}]},{"id":"dd9d0aee-2abb-4ce5-9145-c2d0eda05a42","uuid":"dd9d0aee-2abb-4ce5-9145-c2d0eda05a42","bot_id":3083,"block_id":111758,"required":true,"title":"possession","text":"","type":"trigger","category":"action","org_id":110433,"position":{"x":316,"y":2740},"next":{"id":"f59e49a3-6eca-478d-ad76-16b862fcc023","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:38.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"","label":"","enabled":false,"excerpt":""},"paragraphs":[],"action":"SET_VARIABLE","variableNew":{"name":"possession","type":"single_schema","schemaId":"837b9188-89a4-4758-bbcf-fdd2e9018f6b"}},{"id":"5b7e5e44-7a3b-4062-9d79-404d836526c4","uuid":"5b7e5e44-7a3b-4062-9d79-404d836526c4","bot_id":3083,"block_id":111759,"required":true,"title":"Lakiosan loukkaus","text":"

Jos aiemmista valinnoistasi seuraa, että testamenttisi loukkaa rintaperillistesi oikeutta lakiosaan, niin haluatko:

lisätä testamenttiisi toiveen, että rintaperillisesi eivät vaatisi lakiosaansa, vaan kunnioittaisivat testamenttimääräyksiäsi?
että rintaperillisesi saavat joka tapauksessa lakiosansa (eli testamenttimääräyksiä tulee soveltaa siten, että rintaperillisten oikeutta lakiosaan ei loukata)?

","type":"text","category":"block","org_id":110434,"position":{"x":320,"y":3389},"next":null,"created":"2025-12-20T07:04:38.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"$3b","label":"Lue lisää","enabled":true,"excerpt":"Mikä on lakiosa?"},"paragraphs":[],"components":[{"id":"1a850a27-7629-4552-a5bc-91253a4cb8b4","type":"predefined","props":{"options":[{"id":"a67172ac-4e72-4982-aaf9-a6aefad98633","title":"Toivon, että rintaperilliseni eivät vaadi lakiosaansa","hint":"","next":{"id":"b488d1f1-e5c7-44fc-8fe1-43453fea5993","handles":{"source":"source.response.a67172ac-4e72-4982-aaf9-a6aefad98633","target":"target.top"}},"value":"","paragraphs":null},{"id":"8844c8bd-9c47-460f-99ae-68e54635b363","title":"Haluan, että rintaperilliseni joka tapauksessa saavat lakiosansa","hint":"","next":{"id":"54112365-90d3-4378-9e3f-73ff08608060","handles":{"source":"source.response.8844c8bd-9c47-460f-99ae-68e54635b363","target":"target.top"}},"value":"","paragraphs":[{"id":"24f2db0e-4d57-473d-86d8-529ab236f1c4","title":"Rintaperilliset saavat joka tapauksessa lakiosansa","color":"#000000"}]},{"id":"dbf3d87e-5d2b-4d11-83fe-338464b388a9","title":"Testamenttini ei loukkaa rintaperillisteni oikeutta lakiosaan","hint":"","next":{"id":"54112365-90d3-4378-9e3f-73ff08608060","handles":{"source":"source.response.dbf3d87e-5d2b-4d11-83fe-338464b388a9","target":"target.top"}},"value":"","paragraphs":null}]}}]},{"id":"b488d1f1-e5c7-44fc-8fe1-43453fea5993","uuid":"b488d1f1-e5c7-44fc-8fe1-43453fea5993","bot_id":3083,"block_id":111761,"required":true,"title":"Toive, ettei lakiosaa vaadita","text":"

Haluatko erikseen mainita testamentissa toiveesi, etteivät rintaperillisesi vaatisi lakiosaansa, vaan kunnioittaisivat testamenttimääräyksiäsi?

","type":"text","category":"block","org_id":110436,"position":{"x":197,"y":3932},"next":{"id":"5b8a47e8-dd41-4b69-aeed-b454246fad87","handles":{"source":"source.bottom","target":"target.top"}},"created":"2025-12-20T07:04:38.000Z","updated_at":"2026-10-13T14:07:39.096Z","readMore":{"text":"

Jos olet varma, ettei testamenttisi tule loukkaamaan rintaperillistesi oikeutta lakiosaan, voit valita vastausvaihtoehdon \"Testamenttini ei loukkaa rintaperillisteni oikeutta lakiosaan\"

Ei ole väärin, eikä kiellettyä laatia testamenttia, joka loukkaa rintaperillisen oikeutta lakiosaan. Lakiosaa loukkaavaa testamenttimääräystä noudatetaan sellaisenaan, mikäli rintaperillinen nimenomaisesti hyväksyy sen tai pidättäytyy vaatimasta lakiosaansa tietyn määräajan kuluessa.

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Olet valinnut antaa koko perintösi tai osan perinnöstäsi yhdelle tai useammalle hyväntekeväisyysjärjestölle. Saavatko he lähettää sinulle kiitokset ja informaatiota sähköpostiosoitteeseesi?

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Kenelle haluat antaa elinikäisen hallintaoikeuden koko omaisuuteesi?

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Haluatko itse päättää, miten perintösi jaetaan, vai haluatko noudattaa lakimääräistä perimysjärjestystä?

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Näin olet valinnut jakaa perintösi

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Huomioithan, että eloonjääneellä aviopuolisolla eli leskellä on lain mukaan oikeus hallita edesmenneen puolisonsa jäämistöä jakamattomana.

Testamentinsaaja voi kuitenkin vaatia testamenttiin perustuvan oikeutensa voimaansaattamista lesken eläessä. Leskellä säilyy siitä huolimatta hallintaoikeus puolisoiden yhteiseen kotiin ja tavanomaiseen asuinirtaimistoon, jollei lesken omaisuuteen muutoin kuulu hänen kodikseen sopivaa asuntoa.

Lesken oikeuksia ei voi poistaa testamentilla eikä esimerkiksi avioehtosopimuksella.

Lesken oikeudet koskevat ainoastaan aviopuolisoita, eivät avopuolisoa.

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Jos olet varma, ettei testamenttisi tule loukkaamaan rintaperillistesi oikeutta lakiosaan, voit valita vastausvaihtoehdon \"Testamenttini ei loukkaa rintaperillisteni oikeutta lakiosaan\"

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Nyt olet vastannut kaikkiin kysymyksiin!

Laadimme testamenttisi antamiesi vastausten perusteella. Huomioi kuitenkin, että testamentista tulee oikeudellisesti pätevä vasta sitten, kun se on allekirjoitettu antamiemme ohjeiden mukaisesti.

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