Seized apartment share 2 rooms + kitchen + sauna, 59.5 m², Muhos

The property is sold by incremental bids in an online auction on the website www.huutokaupat.com. Participation in the auction requires registration. 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 functionality of the service provider’s system. The highest bid is the bid the service provider’s system has accepted as highest. The bailiff will decide separately whether to accept or reject the highest bid.

If it is not possible to submit a purchase bid via huutokaupat.com, a prospective buyer may submit a written offer to the bailiff, which will be attached to the online auction as a maximum bid in accordance with the automatic increment system. The offer must be submitted by 20 March 2026 at 16:15 at the latest, either by post to the Enforcement Authority, P.O. Box 1, 00067 Ulosottolaitos, by leaving the written offer at the Oulu office reception at Oulun toimipaikka, Torikatu 34–40, 90100 Oulu (open Mon–Fri 08:00–16:15), or by e-mail to oulu.realisointi.uo@oikeus.fi. The person submitting a written offer is responsible for ensuring it arrives by the deadline. A written offer is binding and the same terms apply as in the online auction. 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 relates to.

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

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.

Payment terms

Deposit:

The buyer must immediately pay a deposit of 20% of the purchase price to the Enforcement Authority’s official account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the highest bidder whose bid has been accepted. The highest bidder must state on whose behalf the bid was made; otherwise the highest bidder will be deemed the buyer.

Payment period:

Up to six weeks’ payment period may be granted if necessary. Any payment period will be notified separately. If a payment period is used, annual interest is payable on the whole purchase price in accordance with Section 3(2) of the Interest Act 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 without delay after acceptance of the bid.

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 entire purchase price until it is paid or a new sale has been conducted. The current rate of default interest is 9.50%.

Obligations and rights transferred to the buyer

Buyer’s personal liability for the previous owner’s unpaid charges and defaults:

The buyer is liable to the housing company for the previous owner’s unpaid maintenance charges and usage fees, but only up to an amount equal to the sum of the maintenance charges for the month in which ownership transfers and for the immediately preceding five months. According to the manager’s certificate dated 30 January 2026, arrears of charges for the flat total €1,878.54.

Liability for new charges:

Under Section 6, Chapter 3 of the Housing Companies Act, the new owner is liable for new maintenance charges from the date of transfer of ownership.

Loan shares attached to the flat:

The buyer is liable to the housing company for loan shares attached to the flat. According to the manager’s certificate dated 30 January 2026, the flat carries loan shares totalling €2,164.80 (roof renovation €1,519.60 and kengitysremontti €645.20). The loan share attached to the flat remains payable by the buyer and is not paid from the purchase price.

The buyer must ensure fulfilment of obligations related to the flat that are their responsibility towards the housing company. Bids in the online auction should take these matters into account.

Transfer tax
The buyer is obliged to pay the transfer tax of 1.5%. The tax is calculated on the combined total of the purchase price and the obligations transferred to the buyer, according to the date of transfer of ownership.

Possession and transfer of ownership

The buyer receives possession rights to the property under Chapter 5, Section 4 of the Enforcement Code when the purchase price has been paid in full, but may not use the property in a manner that diminishes its value before ownership of the shares has also been transferred. The buyer receives ownership of the property when the purchase price has been paid in full, proof of filing the transfer tax declaration has been presented to the bailiff, the sale decision has become final, and the bailiff has handed the buyer the deed of sale. After receiving the deed, the buyer must file the transfer tax declaration and submit proof of this to the bailiff. Thereafter the bailiff will deliver the share certificate to the buyer or the party nominated by the buyer (e.g. the buyer’s bank).

Registration of ownership

The housing company has transferred the share register to the apartment information system maintained by the National Land Survey. The buyer must apply for registration of 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.

Other information

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

The sales brochure is indicative and not a comprehensive description of the item for sale.

If the debtor continues to occupy the premises or stores property in them after the buyer has paid the purchase price, the bailiff will, on request, provide official assistance to the buyer to effect an eviction. The eviction will be conducted as far as applicable in accordance with Sections 1–8 of Chapter 7 of the Enforcement Code. The bailiff may permit the buyer to deal with low‑value movable items as they deem best if the buyer has requested this. In practice the buyer should be prepared for the cleaning and disposal of movable items at the buyer’s own cost.

Buyers are advised to examine the item for sale, the sales brochure and the attached documents carefully before making an offer.

Appeals

An enforcement complaint regarding the sale and the actions related to or preceding the sale must be made within three weeks from the date of sale. Information on how to appeal is attached to the sale decision.

Swedish translation

The object is sold in an online auction with incremental bids on the website www.huutokaupat.com. The deadline for submitting purchase bids expires on 26 March 2026 at 18:00 (or 3 minutes after the last purchase bid accepted into the auction has been made).

The Enforcement Authority is not responsible for the functionality of the service provider’s system. The highest bid is the bid the service provider’s system has accepted as highest. The bailiff decides whether the highest bid is to be accepted. 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 bailiff reserves the right to close the sale or extend the sale period.

If it is not possible to place a bid 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 automatic increment system. The bid must be submitted in writing to the Enforcement Authority no later than 20 March 2029 at 16:15 at the address Utsökningsverket / Oulu office, Torikatu 34–40, 90100 OULU or by e‑mail to oulu.realisointi.uo@oikeus.fi. A written bid is binding and the same terms apply as in the online auction. The written bid must be signed and must state 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 has been seized and is sold by private sale by the bailiff in accordance with Section 76 of Chapter 5 of the Enforcement Code and, where applicable, the Enforcement Code’s general auction terms and conditions.