Apartment for sale: 3 rooms + kitchen in Marttala, Kemi, Kemi

The property is sold in an online auction on www.huutokaupat.com during 27/02/2026–23/03/2026. Participation in the auction requires registration. The deadline for submitting bids ends at 13:00 on 23/03/2026 or 3 minutes after the last accepted bid.

The Enforcement Authority is not responsible for the service provider's system. The highest bid is the bid the provider's system has accepted as highest. The enforcement officer will decide 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 extend the sale period.

The property is subject to distraint and is sold by private sale conducted by the enforcement officer in accordance with Chapter 5, Section 76 of the Enforcement Code and, where applicable, the general auction terms laid down in the Enforcement Code.

Payment terms

The enforcement officer will inform the highest bidder whether the bid can be accepted. If the bid can be accepted, the buyer must pay the full purchase price by bank transfer to the Enforcement Authority's official trust account. When the payment appears on the trust account, the enforcement officer will issue the sales decision, which will be delivered 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 can be granted for the remaining purchase price from the sales decision. In that case, annual interest is payable on the whole purchase price for the payment period from the day of sale until the payment period ends. The reference rate is currently 2.50%. If payment is not made within the granted period, annual default interest will be charged thereafter, currently 9.50%.

Buyer’s obligations

The buyer must pay transfer tax of 1.50% on the total of the purchase price and any unpaid company receivables and charges and the share of the company loan relating to the apartment. Transfer tax is paid to the tax authority. The buyer must present proof of payment of the transfer tax before the share certificate is handed over and the deed is issued.

The housing company has transferred the share register to the Real Estate Information System maintained by the National Land Survey. The buyer must apply to register their ownership within two months of the date of the deed. The National Land Survey will cancel the paper share certificate when ownership is registered. The buyer is responsible for the registration costs.

The apartment was taken into the company's possession for three years by the general meeting's decision on 28/03/2023. The possession decision gives the company the right to rent out the apartment to cover arrears of charges and other payments. According to section 7 of chapter 8 of the Housing Companies Act, the new owner of the shares sold becomes entitled to possession of the apartment when they have paid the company all due amounts that could be covered by rent from the apartment. These amounts consist of unpaid company charges and other payments forming the basis for possession, and any charges and other payments that fall due during the period of possession. According to the property manager's certificate, unpaid company charges amount to €3,842.96 as of 26/01/2026.

The amount of the claim changes monthly. The buyer must investigate the arrears of charges and pay them directly to the housing company. They are not paid from the purchase price paid to the Enforcement Authority.

In addition to the cash purchase price, the buyer will assume the apartment's share of the company loans, which according to the manager's certificate is €2,292.13 as of 26/01/2026. Water-pipe renovation €2,105.41, paid to the housing company as a capital charge of €47.02/month, and sewer-leak renovation €186.72, paid as a capital charge of €24.52/month. The share of the company loan relating to the apartment remains payable by the buyer and is not paid from the purchase price.

The buyer must themselves ensure performance of apartment-related obligations to the housing company. Bids in the online auction should take these matters into account.

NOTE! According to information from the property manager on 26/02/2026, the general meeting on 25/02/2026 decided to start a sewer renovation in spring 2026. The planned start of the sewer renovation is March–April. As a result of the renovation, the apartment will be charged an estimated loan share of €6,402.66, which can be paid in one lump sum or as a capital charge of €77.29/month. The capital charge is indicative and will be specified later according to the loan terms.

Conditions of sale

The property is sold in an online auction with incremental bids on the website www.huutokaupat.com. The deadline for submitting purchase bids expires at 13:00 on 23/03/2026 or 3 minutes after the last accepted bid to the auction has been made.

The Enforcement Authority is not responsible for the function of the service provider's system. The highest bid is the bid the provider's system has accepted as highest. The enforcement officer decides whether the highest bid may be accepted. Bids made in the online auction are binding. If a bid is accepted, the person who made it is obliged to pay the offered purchase price within the agreed payment time. Failure to pay the offered purchase price may lead to the buyer's liability for compensation in accordance with Chapter 5, Section 25 of the Enforcement Code.

The enforcement officer reserves the right to close the sale or extend the sale period.

If it is not possible to submit bids via Huutokaupat.com, a prospective buyer may submit a written bid to the enforcement officer. The bid will be attached to the online auction as a maximum bid by the automatic bidding system. The bid must be submitted in writing to the Enforcement Authority no later than 12:00 on 20/03/2026 at the address Enforcement Authority / Kemi office, Valtakatu 28, 4th floor, 94100 Kemi. A written bid is binding and is subject to the same conditions as in the online auction. The written bid must be signed and must show the bidder's contact details, the bid's maximum amount and the number of the item in the Huutokaupat.com service to which the bid relates.

The property is subject to distraint and is sold privately by the enforcement officer's arrangement in accordance with Chapter 5, Section 76 of the Enforcement Code and the applicable parts of the Enforcement Code's general auction terms.