Seized apartment, 2 rooms + kitchen, 49 m² — Raahe town centre, Raahe

The property is sold by incremental bids in an online auction held on www.huutokaupat.com. Participation in the auction requires registration. Bids must be submitted by the stated deadline.

The deadline for submitting bids ends on 26 March 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 one the service provider’s system has accepted as highest. The enforcement officer 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 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 seized and sold privately under the enforcement officer’s supervision, following, where applicable, the general auction terms set out in the Enforcement Code.

Payment terms

The enforcement officer will notify the highest bidder whether the bid can be accepted.

If the bid can be accepted, the buyer pays the full purchase price by bank transfer to the Enforcement Authority’s official account.

When the payment is visible on the official account, the enforcement officer will make the sale 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 immediately pay a deposit equal to 20 per cent of the purchase price.

Payment period: A payment period for the remaining purchase price may be granted if necessary, but for no more than six weeks from the date of the sale decision. Interest at an annual rate will be charged on the whole purchase price for the entire payment period from the sale date until the end of the payment period. If payment is not made within the granted period, statutory late interest will be charged thereafter.

If no payment period is used, the purchase price must be paid without delay after acceptance of the bid.

Buyer’s obligations and rights and/OR claims related to the sold property

Liability for new charges

According to Chapter 3, Section 6 of the Finnish Companies Act on Housing, the new owner is responsible for new charges from the date ownership transfers.

Buyer’s personal liability for previous owner’s unpaid charges

According to Chapter 3, Section 7 of the Finnish Companies Act on Housing, the new owner of the shares is, together with the previous owner, liable for the previous owner’s unpaid housing charges and the payment referred to in Section 2(2). The maximum liability of the new owner equals the total amount of housing charges for the month the ownership transferred and the five immediately preceding months.

At the time of preparing the sales brochure, the flat was subject to unpaid maintenance arrears of €471.00 as at 23 February 2026. The amount of claims may change during the sale process.

Housing loan shares related to the flat

In addition to the cash purchase price, the buyer will take over housing loan shares of €11,746.43 and €6,148.13 as at 28 February 2026. The loan shares are in addition to the purchase price to be paid to enforcement and are not paid out of the purchase price. Housing loan shares do not become due for payment on sale; instead the shareholder repays them through the monthly financing charge. Bids in the online auction should be sized taking these matters into account.

Transfer tax is payable on the purchase price, on the charges and arrears transferred to the buyer, and on the housing loan share.

Object’s terms of sale

The object is sold by incrementing bids in an online auction at www.huutokaupat.com. The deadline for bids expires on 26 March 2026 at 18:00 (or three minutes after the last bid accepted into the auction). The Enforcement Authority is not responsible for the service provider’s system functionality. The highest bid is the one the service provider’s system has accepted as highest. The enforcement officer decides whether the highest bid will be accepted. 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 the buyer’s liability for compensation under Chapter 5, Section 25 of the Enforcement Code.

If it is not possible to place a bid via Huutokaupat.com, a prospective buyer may submit a written bid to the enforcement officer. The bid will be entered into the online auction as a maximum bid by the automatic incrementing system. The bid must be submitted in writing to the Enforcement Authority by 24 March 2026 at 16:15 at the address Utsökningsverket / Brahestad office, Kummatinkatu 6, 92150 Brahestad. A written bid is binding and is subject to the same terms as the online auction. The written bid must be signed and must include the bidder’s contact details, the maximum bid amount and the number of the lot in the Huutokaupat.com service to which the bid relates.

The property is seized and sold privately under the enforcement officer’s supervision in accordance with Chapter 5, Section 76 of the Enforcement Code and, where applicable, the Enforcement Code’s general auction terms.