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

The lot is sold by incremental bidding in an online auction held on the website www.huutokaupat.com. Participation 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 service provider's system functionality. 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.

If it is not possible to submit a purchase offer via the huutokaupat.com service, a prospective buyer may deliver a written purchase offer to the enforcement officer, which will be attached to the online auction as a maximum bid according to the automatic increment. The offer must be delivered no later than 20 March 2026 at 16:15 either by post to the Enforcement Authority, P.O. Box 1, 00067 Ulosottolaitos, by leaving the signed 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 purchase offer is binding and is subject to the same conditions as the online auction. 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 enforcement authority reserves the right to end the sale or to extend the sale period.

Bids submitted in the online auction are binding. If an accepted bid is approved, 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 per cent of the purchase price into the Enforcement Authority's official deposit account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the person who made the highest bid that 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.

Payment period:

A payment period of up to six weeks may be granted if necessary. Any extension will be notified separately. If a payment period is granted, annual interest is payable on the whole purchase price in accordance with Section 3(2) of the Interest Act for the whole agreed payment period from the date of sale until the end of the payment period. If no payment period is used, the purchase price must be paid immediately after the bid is accepted.

If payment is not made within the specified time, the buyer must pay late payment interest on the whole purchase price in accordance with Section 4(1) of the Interest Act until the purchase price is paid or a new sale has been carried out. The late payment interest rate is currently 9.50%.

Obligations and rights transferred to the buyer

Buyer's personal liability for previous owner's unpaid charges and fees:

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

Liability for new charges:

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

Housing company loan shares affecting the apartment:

The buyer is responsible to the housing company for any loan shares attached to the apartment. According to the manager's certificate dated 30 January 2026, the apartment has loan shares totalling €2,164.80 (roof renovation €1,519.60 and kengitysremontti €645.20). The loan share attached to the apartment remains payable by the buyer and will not be paid from the purchase price.

The buyer must personally ensure that obligations relating to the apartment for which they are responsible are performed to the housing company. Bids in the online auction should be calculated taking these matters into account.

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

Transfer of possession and ownership

The buyer will obtain a right of possession under Chapter 5, Section 4 of the Enforcement Code to the object once the purchase price has been paid in full, but they must not use the property in a way that reduces its value before they have also obtained ownership of the shares. The buyer obtains ownership of the object when the purchase price has been paid in full, evidence of filing the transfer tax return has been shown to the enforcement officer, the sale decision has become final, and the enforcement officer has given the buyer the deed of sale. After receiving the deed, the buyer must file the transfer tax return and provide proof to the enforcement officer. After that the enforcement officer will hand over the share certificate to the buyer or to a party designated by the buyer (e.g. the buyer's bank).

Registration of ownership

The housing company has transferred the share register to the National Land Survey's apartment information system. The buyer must apply for registration of their ownership within two months of the date of the deed. The National Land Survey will cancel the paper share certificate when the ownership is registered. The buyer is responsible for the costs of registration.

Other information

The property is subject to enforcement and is sold by private sale carried out by the enforcement officer in compliance, where applicable, with the general auction terms laid down in the Enforcement Code.

The sales brochure is indicative and does not provide a comprehensive description of the object.

If the debtor continues to occupy the sold premises or stores property there after the buyer has paid the purchase price, the enforcement officer will, on request, provide official assistance to carry out an eviction. The eviction will be carried out where applicable in accordance with Chapter 7, Sections 1–8 of the Enforcement Code. The enforcement officer may permit the buyer to deal with low‑value movable items in the manner the buyer deems best if the buyer requests this in their application. In practice, the buyer should be prepared to carry out cleaning and disposal of movable items at their own expense.

Buyers are strongly advised to examine the lot, the sales brochure and the attached documents carefully before making an offer.

Appeals

An enforcement appeal against the sale and any act related to or preceding the sale must be made within three weeks from the date of sale. Instructions on how to appeal are attached to the sale decision.

Translation of Swedish section

The object is sold in an online auction by incremental bidding on the website www.huutokaupat.com. The deadline for submitting purchase bids ends on 26 March 2026 at 18:00 (or three minutes after the last purchase bid accepted for the auction).

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 enforcement officer decides whether to accept 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 may lead to the buyer's liability for compensation under 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 place bids via the Huutokaupat.com service, 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 according to the automatic increment. The bid must be submitted in writing to the Enforcement Authority no later than 20 March 2026 at 16:15 at the address Utsökningsverket / Oulu operational unit, 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 include 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 enforcement and is sold privately by the enforcement officer in accordance with Section 76 of Chapter 5 of the Enforcement Code and, where applicable, the Enforcement Code's general auction terms.