Seized apartment share (3 rooms + kitchen) in Kajaani, Kajaani

The property is sold by increment bids in an online auction held at www.huutokaupat.com. Participation requires registration. The deadline for submitting bids ends on 22 April 2026 at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the service provider's system. 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.

If it is not possible to submit bids via Huutokaupat.com, a prospective buyer may submit a written offer to the enforcement authority, which will be entered into the online auction as a maximum bid according to the automatic increment system. The written offer must be signed and must state the bidder's contact details, the maximum amount of the offer and the Huutokaupat.com object number to which the offer applies. A written offer is binding and the same terms apply as to the online auction. The written offer must be received by 20 April 2026 at 12:00 at the latest by post to Ulosottolaitos, PL 1, 00067 Ulosottolaitos, by delivering it to the Kajaani office reception at Lönnrotinkatu 2 a, 87100 Kajaani (open Tue and Thu 09:00–12:00) or by e-mail to oulu.realisointi.uo@oikeus.fi.

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

The property is seized and sold privately under the enforcement officer's supervision in accordance with the provisions of the Enforcement Code and, where applicable, the general auction terms of the Enforcement Code. The sales brochure is indicative and does not provide a comprehensive description of the item for sale.

Buyers are advised to familiarise themselves thoroughly with the item, the sales brochure and the attached documents before making an offer.

Payment terms

Deposit: The buyer must immediately pay a deposit equal to 20% 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 maker of the highest accepted bid. The highest bidder must state on whose behalf the bid was made; otherwise the highest bidder will be regarded as the buyer.

Payment period: If necessary, a payment period of up to six weeks may be granted for the balance of the purchase price. Any payment period will be notified separately. If a payment period is used, annual interest will be charged on the whole purchase price in accordance with 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 the offer is accepted. If payment is not made on time, the buyer must pay default 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 is held. The current default interest rate is 9.50%.

Buyer’s liabilities and rights that transfer to the buyer

Buyer's personal liability for the previous owner's unpaid housing company charges

Under the Housing Companies Act, the new owner of the share is jointly liable with the previous owner for any unpaid housing company charges and charges for right-of-use. The new owner's maximum liability equals the sum of the housing charges and payments for the month of change of ownership and the five months immediately preceding it.

Because the company has decided to take the flat into its possession, the buyer must pay all the company's receivables that the company would be entitled to collect based on taking the flat into possession.

The new owner has the right under the Housing Companies Act to obtain possession of the flat before the end of the possession period if the buyer pays the costs incurred by the taking into possession, any repair costs caused to the company by the flat, unpaid housing charges and the charge instalments that fall due for the shareholder while the flat is in possession.

According to the property manager's statement, the buyer's liability amounts to €8,501.36 as at 9 February 2026. The amount of arrears may change during the sale process.

The above receivables will remain the responsibility of the new buyer and will not be paid from the purchase price. Charge arrears and other outstanding payments must be paid separately to the housing company in a manner agreed with the property manager and will not be paid from the purchase price.

The tenancy agreement is governed by the Act on Residential Leases. The tenancy may be terminated on grounds provided in that Act, but not on the grounds that the flat was sold by enforcement sale. However, the tenant's right to retain possession of the share apartment ends without notice at the latest when the period during which the apartment is in the company's possession expires, regardless of the agreed term of the tenancy.

Loan charges attached to the flat

In addition to the cash purchase price, the buyer will take over the housing company loan share attached to the flat of €3,563.07 as at 31 December 2025. The amount may change during the sale process.

The housing company loan share attached to the flat remains payable by the buyer and is not paid from the purchase price.

The buyer is personally responsible for ensuring that obligations related to the flat for which they are liable are fulfilled to the housing company. Bids in the online auction should take 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 buyer's liabilities transferred to them as at the date of transfer of ownership.

Transfer of possession and ownership

The flat was taken into the company's possession for three years by a general meeting decision made on 28 May 2024. The flat has been let by the company from 1 January 2026 on an open-ended tenancy. The rent is €620.00 per month.

The new owner has the right under the Housing Companies Act to obtain possession of the flat before the end of the possession period if they pay the costs caused by taking the flat into possession, any repair costs caused to the company by the flat and unpaid housing charges and the charge instalments that fall due while the flat is in possession. See section Buyer’s liabilities and rights that transfer to the buyer.

The binding effect of the tenancy on the new owner is determined by the Act on Residential Leases. However, the tenant's right to retain possession of the share apartment ends without notice at the latest when the period during which the apartment is in the company's possession expires, regardless of the agreed term of the tenancy.

Taking possession of the flat also requires that the purchase price has been paid in full.

The buyer obtains ownership of the sale object upon receipt of the deed of sale. The deed is delivered when the sale is final and the entire purchase price and transfer tax have been paid.

Registration of ownership

The housing company has transferred the share register to the Real Estate Information System maintained by the National Land Survey. The buyer must apply for the 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.

Object's terms of sale

The object is sold by online auction with increment bids on www.huutokaupat.com. The deadline for submitting purchase offers runs from 25 March to 22 April 2026 at 18:00 (or three minutes after the last accepted offer).

The Enforcement Authority is not responsible for the functioning of the service provider's system. The highest bid is the one the service provider's system has accepted as highest. The enforcement officer 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 time. Failure to pay may lead to the buyer's liability for compensation in accordance with Chapter 5, Section 25 of the Enforcement Code.

The enforcement officer reserves the right to close the sale or extend the sale period.