Seized apartment share (2-room + kitchen), Kuhmo

The property is sold in a net auction with incremental bids on the website www.huutokaupat.com. Participation requires registration. The deadline for submitting bids ends on 1 April 2026 at 18:00 or three minutes after the last accepted bid.

If registration is not possible, a written purchase offer may be submitted. A written offer must be sent by post or e‑mail so that it is received by the Enforcement Authority by 27 March 2026 at 16:15. E‑mail: oulu.realisointi.uo@oikeus.fi. Postal address: Ulosottolaitos, Kajaani office, Lönnrotinkatu 2 a, 4th floor, 87100 Kajaani (open Tue and Thu 09:00–12:00). A written offer must state the bidder's name, personal ID / business ID and contact details and the sale object. A written offer is entered into the online auction as a maximum bid.

The Enforcement Authority is not responsible for the service provider’s system. The highest bid is the bid the service provider’s system has accepted as highest. The enforcement officer will separately decide whether to accept or reject the highest bid.

Bids placed in the online auction are binding. If an offer is accepted, the bidder 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 compensation liability under Chapter 5, Section 25 of the Enforcement Code.

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

Payment terms

The buyer must immediately pay the full purchase price into the Enforcement Authority’s official account. The purchase price 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 regarded as the buyer.

If payment is not made within the set time, the buyer must pay default interest on the full purchase price in accordance with section 4(1) of the Interest Act until the purchase price has been paid or a new sale has been completed. The current default interest rate is 9.50%.

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

Under the Limited Liability Housing Companies Act, the new owner of a share is jointly liable with the previous owner for unpaid company charges and user fees omitted by the previous owner. The maximum liability of the new owner equals the sum of the company charges and fees for the month in which ownership transferred and the five months immediately preceding it.

As the company has decided to take the apartment into its possession, the buyer must pay to conclude the takeover all amounts the company would be entitled to collect from the apartment’s rent on the basis of the takeover.

According to the property manager’s certificate dated 11 February 2026, the total amount of overdue and unpaid company charges and other fees is €3,977.32 (situation date 11 February 2026), of which the amount of unpaid overdue company charges and similar fees is €3,969.32. The new owner’s liability for the mentioned unpaid overdue company charges and similar fees is €3,969.32.

According to the property manager’s certificate, the share of the company loan attributable to the shares is €4,630.24 (10 February 2026).

Unpaid charges or the company loan share attributable to the apartment are not paid from the purchase price paid to the enforcement officer. Any arrears in charges and fees must be paid separately to the housing company in an arrangement agreed with the property manager and will not be paid from the purchase price.

Amounts of arrears in charges and the housing company’s loan share may change during the sales process.

Transfer tax

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

Possession and transfer of ownership

The buyer obtains possession of the property once the full purchase price and any buyer‑borne obligations have been paid. The buyer must not use the property in a way that reduces its value before receiving the deed of sale. Ownership is transferred to the buyer upon delivery of the deed of sale. The deed will be delivered once the sale is final and the full purchase price and transfer tax have been paid.

Registration of ownership

The housing company has transferred its share register to the Real Estate Information System maintained by the National Land Survey. The buyer must apply to register ownership within two months of the deed’s date. 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 is seized and sold privately by the enforcement officer in accordance with Chapter 5, Section 76 of the Enforcement Code and the applicable general auction terms of the Enforcement Code.

Prospective buyers are advised to acquaint themselves carefully with the property, the sales brochure and the attached documents.

Liens on the sold property will lapse with the sale. The share certificate will be handed over to the buyer when the deed is given.

The sales brochure is indicative and does not constitute a comprehensive description of the object. Prospective buyers are advised to inspect the property and the attached documents carefully.

Appeals

An appeal against the sale and related or prior actions must be made within three weeks from the date of sale. Instructions for appeal are attached to the sales decision.

The object is sold by online auction with incremental bids on www.huutokaupat.com. The deadline for bids expires on 1 April 2026 at 18:00 (or three minutes after the last accepted bid).

If it is not possible to bid via Huutokaupat.com, a candidate purchaser may submit a written bid to the enforcement officer. The bid is entered into the online auction as a maximum bid. The bid must be submitted in writing to the Enforcement Authority by 27 March 2026 at 16:15 at Ulosottolaitos, Kajaani office, Lönnrotinkatu 2 a, 4th floor, 87100 Kajaani or by e‑mail to oulu.realisointi.uo@oikeus.fi. A written bid is binding and subject to the same conditions as the online auction. The written bid must be signed and must state the bidder’s contact details, the maximum bid amount and the object number on Huutokaupat.com to which the bid applies.

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