Foreclosed apartment share (4 rooms + kitchen), Kuhmo

The object is sold by incrementing bids in an online auction held on the website www.huutokaupat.com. Participation requires registration. The bidding deadline ends on 28 April 2026 at 17:00 or three minutes after the last accepted bid.

If registration is not possible, a written purchase offer may be submitted. Written offers must arrive by post or email to the Enforcement Authority no later than 24 April 2026 at 12:00. Email: oulu.realisointi.uo@oikeus.fi; postal address: Enforcement Authority, Oulu office, Torikatu 34–40, 90100 Oulu (open weekdays 08:00–16:15). A written offer must state the bidder's name, personal identity number / business ID and contact details, and the sales object. A written offer will be 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 one the provider's system accepts as highest. The enforcement officer will decide separately whether to accept or reject 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 time. Failure to pay the offered purchase price may lead to the buyer's liability under Chapter 5, Section 25 of the Enforcement Code.

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

Payment terms

The buyer must immediately pay the full purchase price into the Enforcement Authority's official deposit account. Payment by credit card is not possible. The Enforcement Authority will contact the maker of the highest bid once that bid has been approved. The maker of the highest bid must state on whose behalf the bid was made; otherwise the maker of the highest bid will be considered the buyer.

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 whole purchase price until it is paid or a new sale takes place. The current default interest rate is 9.50%.

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

Under the Housing Companies Act, the new owner of the share is jointly liable with the previous owner for the previous owner's unpaid housing company charges and user fees. The new owner's liability is limited to the amount equal to the sum of the housing charges and fees for the month in which ownership transferred and the five months immediately preceding it.

According to the property manager's certificate dated 27 January 2026, the amount of the shareholder's overdue and unpaid housing charges and other payments is €28.12 (as at 27 January 2026). The new owner's liability for these overdue unpaid housing charges and equivalent payments is €28.12.

According to the property manager's certificate dated 27 January 2026, the company has no loans and the apartment has no loan liabilities.

The buyer must ensure fulfilment of obligations related to the apartment that fall to them. Bids in the online auction should take these matters into account. The amount of arrears and equivalent charges may change during the sales process.

Transfer tax

The buyer is liable for the transfer tax of 1.5%. The tax is calculated on the total amount of the purchase price and obligations transferred to the buyer on the date ownership is transferred.

Vacating

If the debtor continues to use the sold premises or keeps belongings there, the buyer may request enforcement assistance for eviction after the buyer has paid the purchase price. Evictions follow the applicable provisions on eviction in the Enforcement Code. The move-out date will not be set earlier than one week nor later than two weeks from the date the removal notice is served, unless there is good reason.

In eviction proceedings the buyer may be authorised to dispose of low-value and worthless movable items as they wish. The buyer must be prepared to bear possible costs of eviction enforcement. In practice, if movable property remains in the premises, cleaning and disposal will be at the buyer's expense.

Because the object has a tenant, enforcement assistance cannot be given until the buyer has demonstrably terminated the tenancy or cancelled the lease. After termination or cancellation the buyer can request enforcement assistance directly from the enforcement officer; the buyer does not need a separate eviction judgment against the tenant. The enforcement officer may grant assistance only when the termination or cancellation is based on the enforcement acquisition. The buyer must show the enforcement officer that the termination or cancellation was carried out in accordance with the time limits and other provisions of the Residential Leases Act.

The apartment is leased under a residential lease from 3 April 2024. The sale does not automatically terminate the tenancy. The buyer must terminate the tenancy separately in the prescribed manner if they wish to be released from the contract. Under section 39 of the Residential Leases Act the buyer must give notice within one month of taking possession. Accordingly, the tenant may remain in the premises for six months counted from the last day of the month in which the purchase price and any obligations transferred to the buyer were fully paid and notice was delivered. The tenant's notice period is one month.

Transfer of possession and ownership

The buyer obtains right of possession to the object when the full purchase price and any obligations transferred to the buyer have been paid. The buyer must not use the property in a way that reduces its value before receiving the deed. Ownership transfers to the buyer on delivery of the deed. The deed will be handed over when 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 National Land Survey's apartment information system. The buyer must apply to register their ownership within two months of the deed date. The National Land Survey will cancel the paper share certificate when ownership is registered. The buyer pays the registration costs.

Other information

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

Prospective buyers are urged to inspect the property, the sales brochure and the attached documents carefully.

Pledges on the sold property are extinguished in the sale. The share certificate will be handed to the buyer upon delivery of the deed.

The sales brochure is indicative and not a comprehensive description of the object. Prospective buyers are urged to familiarise themselves with the property, the sales brochure and the attached documents.

Appeals

An enforcement appeal against the sale and related or preceding actions must be lodged within three weeks from the date of sale. The appeal instructions are attached to the sales decision.

Object's terms of sale (English summary of Swedish text)

The object is sold in an online auction with incrementing bids on www.huutokaupat.com. The deadline for bids expires on 28 April 2026 at 17:00 (or three minutes after the last accepted bid).

The Enforcement Authority is not liable for the function of the service provider's system. The highest bid is the one accepted as highest by the provider's system. The enforcement officer decides whether to approve the highest bid. Bids in the online auction are binding. If a bid is accepted, the bidder must pay the offered purchase price within the agreed payment time. Failure to pay may lead to buyer liability 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 bid via Huutokaupat.com, a bidder may submit a written bid to the enforcement officer. The bid will be added to the online auction as a maximum bid. The written bid must be submitted in writing to the Enforcement Authority no later than 24 April 2026 at 12:00 to: Enforcement Authority Oulu office, Torikatu 34–40, 90100 Oulu or by email to oulu.realisointi.uo@oikeus.fi. A written bid is binding and is 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 in the Huutokaupat.com service that the bid concerns.

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