Ulosmitattu asunto-osake (3H+K+Sauna) Haminan Tallinmäellä, Hamina

Specific terms of sale

How to submit bids

Bids are made on the purchase price, which does not include the share of the company loan attributable to the flat nor any maintenance arrears to be paid by the buyer.

The item is sold by incrementing bids in an online auction on the website www.huutokaupat.com from 20 Nov 2025 until 11 Dec 2025 at 18:00. Participation in the auction requires registration. The deadline for submitting bids ends on 11 Dec 2025 at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the functionality of the service provider’s system. The highest bid is the one that the service provider’s system has recorded as highest. The enforcement officer will decide separately whether to accept or reject the highest bid.

Bids made in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to the buyer’s liability to compensate under Chapter 5, section 25 of the Enforcement Code. The buyer must then compensate the difference if the highest bid in a new sale is lower than the previous auction’s highest bid plus interest referred to in Chapter 5, section 24(2) of the Enforcement Code. If a bid increases above that amount, the buyer has no right to any surplus. The buyer must also reimburse the costs of the later sale, unless they can be covered from the surplus. The enforcement officer shall recover the said compensation from the deposit or the buyer’s other assets if reasonably possible. Otherwise the compensation will be collected later by decision of the enforcement officer at the creditor’s request.

If it is not possible to place purchase bids through Huutokaupat.com, a prospective buyer may submit a written purchase bid to the enforcement authority, which will be attached to the online auction as a maximum bid in accordance with the automatic increment. The written bid must be signed and must state the bidder’s contact details, the maximum amount of the bid and the Huutokaupat.com lot number to which the bid applies. A written purchase bid is binding and the same conditions apply as in the online auction. The bid must be submitted no later than 5 Dec 2025 at 12:00 to the Enforcement Authority’s Kotka office, address Vuorikatu 5 C, 48100 Kotka, or by e‑mail to kouvola.realisointi.uo@oikeus.fi.

The enforcement authority reserves the right to end the sale or to extend the sale period.

Payment terms

Deposit

If the highest bid is accepted, the buyer must immediately pay a deposit of 20% of the purchase price to the Enforcement Authority’s official account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the bidder whose bid was accepted as highest. The highest bidder must state on whose behalf the bid was made. Otherwise the highest bidder will be considered the buyer.

Payment period

If the highest bid is accepted, payment time may be granted until 2 Jan 2026 if agreed separately. If an extension is used, annual interest on the entire purchase price will be charged in accordance with section 3(2) of the Interest Act for the whole agreed payment period from the date of sale until the end of the payment period.

If no payment extension is used, the purchase price must be paid immediately after acceptance of the bid.

If payment is not made within the specified time, the buyer must pay default interest on the entire purchase price in accordance with section 4(1) of the Interest Act until the purchase price is paid or a new sale has taken place.

Obligations and rights transferred to the buyer

Buyer’s personal liability for previous owner’s maintenance arrears and unpaid charges

Maintenance arrears €382.58 as of 16 Sep 2025.

Under the Limited Liability Housing Companies Act, chapter 3, section 7, a new owner is jointly liable with the previous owner for the previous owner’s unpaid maintenance charges and other payments referred to in chapter 3, section 2(2). The maximum liability equals the total amount of the maintenance charges and payments for the month in which ownership transferred and for the five preceding months. However, the new owner is not liable for any arrears or charges not shown in the managing agent’s certificate and which became due before the date of that certificate. The buyer’s personal liability is limited to the said maximum amount.
The buyer’s personal liability is limited to the maximum amount stated above, which is €382.58 as of 16 Sep 2025.

NOTE! Company receivables and the share of the company loan related to the flat are not, in any way, paid from the purchase price. The purchase price is therefore not a so‑called debt‑free price. The amounts of maintenance arrears will be checked again at the time of sale, as they may change during the sales period. The buyer must ensure that obligations related to the flat are fulfilled to the housing company. Bids in the online auction should take these matters into account.

Share of company loans attributable to the flat

In addition to the cash purchase price, the buyer will assume a share of the company’s loans of €5,106.99 as of 30 Sep 2025.

The share of the company loan attributable to the flat remains payable by the buyer and is not paid from the purchase price.

The buyer must ensure that obligations related to the flat are fulfilled to the housing company. Bids in the online auction should take these matters into account.

Transfer tax

The buyer is obliged to pay transfer tax of 1.5%. The tax is calculated on the combined amount of the purchase price and the obligations transferred to the buyer, according to the date of transfer of ownership.

Transfer of possession and ownership

The buyer obtains possession of the sale object when the entire purchase price and any obligations transferred to the buyer have been paid. The buyer must not use the property in a way that reduces its value before receiving the deed.

The buyer obtains ownership of the sale object upon receipt of the deed. The deed will be handed over when the sale is final and the full purchase price and transfer tax have been paid.

Registration of ownership

The housing company has transferred its share register to the Finnish National Land Survey’s apartment information system. The buyer must apply to register ownership within two months of the date of the deed. The National Land Survey will cancel the paper share certificate when the ownership is registered. The buyer is responsible for the registration costs.

Other information

The property has been seized and is sold by free sale conducted by the enforcement officer, observing where applicable the general auction terms set out in the Enforcement Code. The sales brochure is indicative and does not provide a comprehensive description of the sale object.

Buyers are strongly advised to familiarise themselves thoroughly with the sale object, the sales brochure and the attached documents before submitting a bid.