Foreclosed apartment share (2 rooms + kitchen), Kouvola

The item will be sold by incrementing bids in an online auction held on the www.huutokaupat.com website between 20 Jan–15 Feb 2026. Participation in the auction requires registration. The deadline for submitting bids ends on 15 Feb 2026 at 18:00 or three minutes after the last accepted bid.

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

Bids placed 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 buyer liability under Section 25, Chapter 5 of the Enforcement Code.

If it is not possible to submit bids via the Huutokaupat.com service, a prospective buyer may submit a written purchase offer to the enforcement authority, which will be added to the online auction as a maximum bid according to the automatic increment. The written offer must be signed and must state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com item number the offer concerns. The written purchase offer is binding and is subject to the same terms as bids in the online auction. The offer must be submitted no later than 13 Feb 2026 at 10:00 to the Enforcement Authority office at Vuorikatu 1, 45100 Kouvola 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 of 20% of the purchase price into the Enforcement Authority’s official account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the bidder whose highest bid has been accepted. The successful bidder must state on whose behalf the bid was made; otherwise the successful bidder will be regarded as the buyer.

If necessary, up to six weeks’ payment time may be granted for the remaining purchase price. The payment period must be agreed separately. If payment time is granted, annual interest will be charged on the whole purchase price in accordance with Section 3(2) of the Interest Act for the entire agreed payment period from the sale date until the payment period ends. If no payment time is granted, 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 has been paid or a new sale has taken place. The current default interest rate is 9.50%.

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

According to the property manager’s certificate dated 14 Jan 2026 attached, maintenance charges and equivalent payments amount to €13,964.53. According to the manager’s statement, this sum also includes takeover costs totalling €1,451.32.

Because the apartment has been taken into the company’s possession, the new owner has the right under the Housing Companies Act to obtain possession before the end of the possession period after paying, with interest, all costs arising from the taking into possession, any costs to the company for repairing the share apartment, unpaid company maintenance charges and those maintenance instalments that fall due to the shareholder during the possession period (Housing Companies Act, Chapter 8, Sections 7 and 6(2)).

If the buyer does not pay the housing company’s receivable (excluding the housing loan share) in full, the company’s decision to take possession binds the buyer and the company will rent the apartment to cover its receivable. The buyer’s personal liability for maintenance arrears incurred during the previous owner’s period is then determined in accordance with Chapter 3, Section 7 of the Housing Companies Act; i.e. the new owner is jointly and severally liable with the previous owner for unpaid company maintenance charges and other payments referred to in Chapter 3, Section 2(2). The maximum liability equals the amount of the maintenance charge for the month in which ownership transferred and for the five months immediately preceding it.

The amounts of the receivables mentioned above change monthly and arrears accrue default interest.

In addition to the purchase price payable in cash, the buyer will assume a share of the company’s loans of €18,583.38 as at 31 Dec 2025.

The apartment’s share of the housing loan remains the buyer’s responsibility and is not paid from the purchase price. The buyer must personally ensure that obligations related to the apartment that are their responsibility are fulfilled to the housing company. Bids in the online auction should take these matters into account.

The buyer is obliged to pay transfer tax of 1.5%. The tax amount is calculated from the sum of the purchase price and the buyer’s assumed liabilities on the date of transfer of ownership.

The buyer will receive the right of possession to the sale item once the entire purchase price and any liabilities assumed by the buyer have been paid. The buyer must not use the property in a way that diminishes its value before receiving the deed of sale. The buyer acquires ownership of the sale item 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 property is foreclosed and is sold by free sale conducted by the enforcement officer, following as applicable the general auction terms laid down in the Enforcement Code. The sales brochure is indicative and is not a comprehensive description of the item for sale.

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