Seized apartment 2-room + kitchen, 49 m², Raahe town centre, Raahe

The property is sold by incremental bids in an online auction on www.huutokaupat.com. Participation requires registration. The bidding period ends on 13 May 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.

Bids placed 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 the offered purchase price may lead to the buyer’s liability for compensation under Chapter 5, section 25 of the Enforcement Code.

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

The property is seized and is sold privately under the enforcement officer’s supervision, in accordance with the applicable provisions of the Enforcement Code and its general auction terms.

Payment terms

The enforcement officer will notify the highest bidder whether the bid can be accepted. If the bid can be accepted, the buyer must pay the full purchase price by bank transfer to the Enforcement Authority's official account. Once the payment appears on the official account, the enforcement officer will make the sale decision and notify the parties. Payment by credit card is not accepted.

Deposit: If the full purchase price is not paid immediately, the buyer must immediately pay a deposit of 20 per cent of the purchase price.

Payment period: A payment period for the remainder may be granted if necessary, but for no more than six weeks from the sale decision. Interest will accrue on the full purchase price for the whole payment period from the sale date to the end of the payment period. If payment is not made within the granted period, statutory default interest will be charged thereafter. If no payment period is used, the purchase price must be paid immediately after acceptance of the bid.

Buyer’s liabilities and rights AND/OR claims related to the sold property

Responsibility for future charges: Under section 6 of chapter 3 of the Housing Companies Act, the new owner is liable for charges arising from the transfer of ownership.

Buyer’s personal liability for previous owner’s unpaid charges: Under section 7 of chapter 3 of the Housing Companies Act, the new owner is, alongside the previous owner, liable for unpaid company charges and the fee referred to in section 2(2). The buyer’s maximum liability equals the sum of the company charges for the month when ownership transferred and the preceding five months.

At the time of preparing the sales brochure, there were outstanding company charge arrears of €942.00 as at 31 March 2026. The amount of receivables may change during the sales process.

Company loan shares related to the flat: In addition to the cash purchase price, the buyer will assume company loan shares of €11,677.28 and €6,109.78 as at 31 March 2026. Loan shares are in addition to the purchase price payable to enforcement and are not paid from the purchase price. Loan shares do not become due at the sale; instead the shareholder repays them through the monthly financing charge. Bids in the online auction should take these factors into account.

Transfer tax is payable on the purchase price, on charges and arrears transferred to the buyer, and on the company loan share.

If it is not possible to place a bid via Huutokaupat.com, a prospective buyer may submit a written bid to the enforcement officer. The bid will be entered into the online auction as a maximum bid. The written bid must be submitted in writing to the Enforcement Authority no later than 11 May 2026 at 16:15 at the address: Utsökningsverket / Brahestad office, Kummatinkatu 6, 92150 Brahestad. A written bid is binding and subject to the same conditions as the online auction. It must be signed and include the bidder's contact details, the maximum bid amount and the object number in the Huutokaupat.com service.

The property is seized and sold privately under the enforcement officer’s care in accordance with section 76 of chapter 5 of the Enforcement Code and, where applicable, the Enforcement Code's general auction terms.