Three foreclosed properties in Virolahti (sold as one lot), Virolahti

The properties (3 units) are sold at the same time and as a single total bid.

The lot is sold by ascending bids in an online auction on the www.huutokaupat.com website held between 15 January and 5 February 2026, ending at 11:00 on 5 February 2026. Participation in the auction requires registration. The deadline for submitting bids ends at 11:00 on 5 February 2026 or three minutes after the last accepted bid.

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

Bids placed in the online auction are binding. If a bid is accepted, the bidder must pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may result in 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 highest bid plus the interest referred to in Chapter 5, Section 24(2) of the Enforcement Code. If a later bid exceeds this amount, the buyer has no right to any surplus. The buyer must also cover the costs of the later sale unless covered by a surplus. The enforcement officer shall recover the said compensation from the deposit or other assets of the buyer 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 submit purchase offers via Huutokaupat.com, a prospective buyer may submit a written offer to the enforcement authority, which will be attached to the online auction as the maximum bid in accordance with the automatic increment system. A written offer must be signed and must state the bidder’s contact details, the maximum offer amount and the Huutokaupat.com lot number to which the offer pertains. A written purchase offer is binding and is subject to the same terms as the online auction. The offer must be submitted no later than 29 January 2026 at 12:00 to the Enforcement Authority’s Kotka office, Vuorikatu 5 C, 48100 Kotka, or by email to kouvola.realisointi.uo@oikeus.fi.

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

The buyer must immediately pay a deposit equal to 20 per cent of the purchase price to the Enforcement Authority’s official deposit account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the highest bidder whose bid has been accepted. The highest bidder must state on whose behalf the bid was made; otherwise the highest bidder will be regarded as the buyer.

If necessary, up to three weeks’ payment time may be granted for the remaining purchase price. The payment time must be agreed separately. If payment time is used, annual interest pursuant to section 3(2) of the Interest Act shall be charged on the entire purchase price for the agreed payment period from the sale date until the payment deadline.

If no payment time is granted, the purchase price must be paid immediately after acceptance of the offer.

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 is completed.

Buyers are strongly advised to familiarise themselves with the property, the sales brochure and the attached documents before placing a bid.