SEIZED APARTMENT SHARE 3 R+K, TURKU / SEIZED HOUSING SHARE 3 ROOMS + K, ÅBO, Turku

The property is sold by incrementing bids in an online auction on the website www.huutokaupat.com during 22 January 2026–12 February 2026. Participation requires registration. The deadline for submitting bids ends on 12 February 2026 at 13:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the service provider’s system availability. The highest bid is the bid that the provider’s system has accepted as highest. The bailiff 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 purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to the buyer’s liability for compensation under section 25 of chapter 5 of the Enforcement Code.

If it is not possible to submit a purchase offer via Huutokaupat.com, a prospective buyer may submit a written purchase offer to the bailiff, which will be attached to the online auction as a maximum bid according to the automatic increment system. The offer must be submitted in writing no later than 10 February 2026 at 12:00 to the Enforcement Authority at: Enforcement Authority/Turku/realisation, Sairashuoneenkatu 2–4, 20100 Turku.

A written purchase offer is binding and is subject to the same conditions as the online auction. The written offer must be signed and must state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com object number to which the offer relates.

The Enforcement Authority reserves the right to end the sale or to extend the sales period.

Obligations and rights transferred to the buyer:
Under section 7 of chapter 3 of the Housing Companies Act, the new shareholder is jointly liable with the previous owner for unpaid maintenance charges and other payments referred to in section 2(2) of chapter 3. The maximum liability of the new owner is equal to the sum of the maintenance charges and payments for the month in which ownership transferred and the five immediately preceding months.

According to the property manager’s statement, the buyer’s liability is €442.26 as of 5 December 2025. The amount payable by the buyer will be finalised according to the date of transfer of ownership. At the moment of transfer of control/ownership of the shares there may be higher charges, fees and costs with interest than stated above.

Outstanding maintenance charges on the flat are not paid from the purchase price.

In addition to the purchase price payable in cash, the buyer will assume a share of the company’s loans of €1,621.86 as of 31 December 2025.

Estimated loan share for the roof project for this apartment is €20,727.67 and the capital charge is €146.07 / month.

The apartment’s share of the company loan remains the buyer’s responsibility and is not paid from the purchase price.

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

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

The apartment is vacant. The buyer has the right to take possession of the apartment once the purchase price has been paid.

The buyer will obtain the right of possession to the 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 manner that reduces its value before receiving the deed of sale.

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

The housing company has transferred the shareholder register to the Property Information System maintained by the National Land Survey. The buyer must apply for registration of 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.

The property is seized and is sold by auction conducted by the bailiff in accordance with the general auction terms laid down in the Enforcement Code. The sales prospectus is indicative and is not a comprehensive description of the property.

Buyers are advised to carefully inspect the property, the sales prospectus and the attached documents before making an offer.

Appeals against the sale and actions related to or preceding the sale must be made within three weeks from the date of sale. An appeal instruction is attached to the sales decision.

Payment terms:

Deposit: The buyer must immediately pay a deposit equal to 20% of the purchase price to the Enforcement Authority’s official escrow 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.

Payment period: If necessary, a payment period of up to six weeks may be granted for the balance of the purchase price (until 26 March 2026). Use of a payment period must be agreed separately. If a payment period is used, annual interest pursuant to section 3(2) of the Interest Act is payable on the whole purchase price for the agreed payment period from the sale date until the payment period expires.

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

If payment is not made within the specified time, the buyer must pay default interest under section 4(1) of the Interest Act on the whole purchase price until the purchase price is paid or a new sale is held. The default interest rate is currently 9.50%.

Silja Similä
District Bailiff