Commercial premises for sale in Tornio town centre, Tornio

The object is sold in an online auction on the website www.huutokaupat.com during 23 January–11 February 2026. Participation in the auction requires registration. The deadline for submitting bids ends on 11 February 2026 at 13:00 or 3 minutes after the last accepted bid.

The Enforcement Authority is not responsible for the operation of the service provider’s system. The highest bid is the bid that the service provider’s system has accepted as highest. The bailiff decides 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 for compensation under Chapter 5, Section 25 of the Enforcement Code.

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

The property is seized and is sold by private sale arranged by the bailiff in accordance with Chapter 5, Section 76 of the Enforcement Code and, as applicable, the general auction terms of the Enforcement Code.

Payment terms

The bailiff will inform the highest bidder whether the bid can be accepted. If the bid is accepted, the buyer must pay the full purchase price by bank transfer to the Enforcement Authority’s official escrow account. When the payment is visible on the escrow account, the bailiff will issue the sale decision to the parties. The purchase price cannot be paid by credit card.

Deposit: If the full purchase price is not paid immediately, the buyer must pay a deposit of 20% of the purchase price immediately.

Payment period: If necessary, up to six weeks’ payment time from the sale decision may be granted for the remaining purchase price. In such case annual interest is charged for the whole payment period from the day of sale until the end of the payment period. The reference rate is currently 2.50%. If payment is not made within the granted period, annual default interest will be charged thereafter; the current rate is 9.50%.

Obligations transferred to the buyer

The buyer must pay the transfer tax, which is 1.50% of the purchase price and the total amount of any unpaid company receivables and charges and the housing company loans attributable to the apartment. The transfer tax is paid to the tax authority. The buyer must present proof of payment of the transfer tax before the share certificates are handed over and the deed of sale issued.

Housing company loan shares attributable to the apartments:

In addition to the cash purchase price, the buyer will take responsibility for the share of the company’s loans attributable to the apartments, which according to the property manager’s certificate amount to €9,183.17 in total (D L11 €3,521.36 and D L12 €5,661.81) as of 31 August 2025. Repayment of the loan share requires a specific loan balance statement per apartment. The loan shares attributable to the apartments transfer to the buyer and are not paid from the purchase price.

Gaining possession of an apartment that is in the housing company’s control:
The apartments were taken into the company’s control by the housing company’s decision on 19 December 2023 for a period of three years. The buyer will receive the share apartments from the housing company only after they have paid to the housing company all unpaid charges, user fees and the costs of taking the apartments into possession. According to the property manager’s statement, the outstanding charges total €1,423.75 (D L11: €542.25 and D L12: €881.50) as of 3 November 2025. The outstanding amount changes monthly. The buyer must establish the arrears and pay them directly to the housing company. They will not be paid from the purchase price paid to the Enforcement Authority.

The buyer must ensure fulfilment of the apartment-related obligations payable to the housing company. Bids in the online auction should be made taking these matters into account.

If it is not possible to submit bids via the Huutokaupat.com service, a prospective buyer may submit a written bid to the bailiff. The bid will be attached to the online auction as a maximum bid according to the increment mechanism. The bid must be submitted in writing to the Enforcement Authority by 10 February 2026 at 12:00 to the address Utsökningsverket / Kemi verksamhetsställe, Valtakatu 28, 4th floor, 94100 Kemi. A written bid is binding and the same terms as in the online auction apply. The written bid must be signed and must state the bidder’s contact details, the maximum amount of the bid and the number of the lot in the Huutokaupat.com service to which the bid relates.

The property is seized and sold by private sale conducted by the bailiff in accordance with Chapter 5, Section 76 of the Enforcement Code and, where applicable, the Enforcement Code’s general auction terms.