Seized apartment share, 4 rooms + kitchen, Kouvola

The property will be sold by competitive bids in an online auction on the www.huutokaupat.com website during 30/01/2026–25/02/2026. Participation requires registration. The deadline for submitting bids ends on 25/02/2026 at 18:00 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 service provider’s system has accepted as highest. The enforcement officer will decide separately whether to accept or reject the highest bid.

Offers made in the online auction are binding. If an offer is accepted, the bidder must 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 section 25 of Chapter 5 of the Enforcement Code. If it is not possible to submit purchase offers via the Huutokaupat.com service, a prospective buyer may submit a written purchase offer to the enforcement authority, which will be attached to the online auction as the maximum bid in accordance with the automatic bid increment. The written offer must be signed and must state the bidder’s contact details, the maximum offer amount and the Huutokaupat.com item number to which the offer relates. The written purchase offer is binding and is subject to the same conditions as bids in the online auction. The written offer must be delivered no later than 24/02/2026 at 10:00 to the Enforcement Authority’s Kouvola office, address 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 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 bidder whose highest 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.

An extension of up to six weeks for payment of the remainder of the purchase price may be granted if necessary. The payment period must be agreed separately. If a payment period is used, annual interest under section 3(2) of the Interest Act must be paid on the whole purchase price for the entire agreed payment period from the date of sale until the end of the payment period. If no payment period 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 in accordance with section 4(1) of the Interest Act on the whole purchase price until it is paid or a new sale has taken place. The default interest rate is currently 9.50%.

According to the property manager’s certificate dated 26/01/2026, unpaid maintenance charges and equivalent payments amount to €11,558.27 as at 26/01/2026. Because the shares have not been taken into the housing company’s possession, the new owner’s liability is limited to an amount corresponding to six months’ arrears. Maintenance arrears will not be paid from the purchase price. The amount of maintenance arrears will be checked again at the time of sale.

According to the property manager’s certificate dated 26/01/2026, the apartment’s share of the loan amounts to €32,412.77 as at 26/01/2026. The loan share attached to the apartment remains payable by the new owner and will not be paid from the purchase price. The amounts of the housing company loan shares will be checked again at the time of sale.

The buyer must personally ensure that obligations related to the apartment that fall to them are fulfilled to the housing company. Bids in the online auction should be made taking these matters into account.

The flat is vacant. The buyer will receive possession of the property when the full purchase price has been paid.

Buyers are urged to familiarise themselves thoroughly with the property, the sales brochure and the attached documents before making an offer. The sales brochure is indicative and therefore is not a comprehensive description of the property.

The property is seized and will be sold by a free sale carried out by the enforcement officer, observing, where applicable, the general auction terms prescribed in the Enforcement Code.