Seized apartment share, 4 rooms + kitchen, Kouvola

The property is sold by highest bids in an online auction on the www.huutokaupat.com website held between 6–31 March 2026. Participation in the auction requires registration. The deadline for submitting bids ends on 31 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 the highest. The enforcement officer will decide separately whether to accept or reject the highest bid.

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 buyer compensation liability under Chapter 5, Section 25 of the Enforcement Code. If it is not possible to submit a purchase bid 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 according to the automatic bid system. The written offer must be signed and must state the bidder's contact details, the maximum amount offered and the Huutokaupat.com listing ID to which the offer relates. The written purchase offer is binding and is subject to the same terms as the online auction. The offer must be submitted no later than 30 March 2026 at 10:00 to the Enforcement Authority's Kouvola office, Vuorikatu 1, 45100 Kouvola, or

by email to kouvola.realisointi.uo@oikeus.fi.

The enforcement authority reserves the right to end the sale or extend the sale period.

The buyer must immediately pay a 20 per cent deposit of the purchase price to the Enforcement Authority's official deposit 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 considered the buyer.

If necessary, up to six weeks' payment time may be granted for the remaining purchase price. The payment period must be agreed separately. If payment time is granted, annual interest will be charged on the entire purchase price pursuant to section 3(2) of the Interest Act for the 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 bid. If payment is not made within the specified time, the buyer must pay late interest

on the entire purchase price pursuant to section 4(1) of the Interest Act until the purchase price is paid or a new sale has been completed. The current late interest rate is 9.50%.

According to the property manager's certificate dated 26 January 2026, unpaid charges and similar payments amount to €11,558.27 as at 26 January 2026. Since the shares have not been taken into the possession of the housing company, the new owner's liability is limited to an amount corresponding to six months' arrears. Arrears on charges will not be paid from the purchase price. The amount of charge arrears will be checked again at the time of sale.

According to the property manager's certificate dated 26 January 2026, the loan share attributable to the apartment is €32,412.77 as at 26 January 2026. The apartment's loan share remains payable by the new owner and will not be paid from the purchase price. The amount of the company loan share will be checked again at the time of sale.

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

The apartment is vacant. The buyer will obtain possession of the sale item once the full purchase price has been paid.

Buyers are advised to familiarise themselves carefully with the sale item, the sales brochure and the attached documents before placing a bid. The sales brochure is indicative and therefore not a comprehensive description of the property.

The asset has been seized and is sold by free sale conducted by the enforcement officer, observing, where applicable, the general auction terms laid down in the Execution Act.