Foreclosed apartment share, 3 rooms + kitchen (3H+K), Eskolanmäki, Kouvola

The property is sold by ascending bids in an online auction on the website www.huutokaupat.com during 15/04/2026–10/05/2026. Participation in the auction requires registration. The bidding period ends on 10/05/2026 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 bid that the service provider’s system has accepted as highest. The enforcement officer will separately decide 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 announced payment term. Failure to pay the offered purchase price may lead to the buyer’s liability for compensation under section 25 of chapter 5 of the Enforcement Code.

If it is not possible to place bids via Huutokaupat.com, a prospective buyer may submit a written purchase offer to the enforcement authority, which will be attached to the online auction as a maximum bid according to the automatic bidding tool. The written offer must be signed and must state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com item number to which the offer relates. A written purchase offer is binding and is subject to the same terms as bids in the online auction. The written offer must be delivered no later than 08/05/2026 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 to extend the sale period.

If the highest bid is accepted, the buyer must immediately pay a deposit equal to 20% of the purchase price to the Enforcement Authority’s official account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the 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. Notification of acceptance or rejection of a bid will always be given separately.

If necessary, up to six weeks’ payment time for the remaining purchase price may be granted. The payment period will be notified separately. If a payment period is granted, statutory annual interest under section 3(2) of the Interest Act will be charged on the whole purchase price for the agreed payment period from the sale date 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 stipulated time, the buyer must pay default interest under section 4(1) of the Interest Act on the whole purchase price until the price is paid or a new sale is completed. The current default interest rate is 9.50%.

Buyer’s liabilities and rights that transfer with the property

Pursuant to section 7 of chapter 3 of the Housing Companies Act, the new owner is jointly liable with the previous owner for previously unpaid housing company charges and other payments referred to in section 2(2) of chapter 3. The maximum liability equals the total amount of the housing charge and other payments for the month when ownership transferred and for the five preceding months. However, the new owner is not liable for unpaid housing charges or payments that are not mentioned in the property manager’s certificate and that were due before the date of that certificate.

Arrears on the shares amount to €1,941.52 as of 07/04/2026. April arrears are not included in this sum. Because the apartment has not been taken into the housing company’s possession, the buyer is liable for arrears up to the amount described above, corresponding to 1+5 months.

In addition to the cash purchase price, the buyer will assume the apartment’s share of the housing company loan of €732.76 as of 30/04/2026. The apartment’s loan share remains payable by the buyer and is not paid out of the purchase price.

NOTE! Receivables and the housing company loan charge related to the apartment are not in any part paid from the purchase price. Thus the purchase price is not a debt-free price. The buyer must themselves ensure payment of obligations related to the apartment to the housing company. Bids in the online auction should be sized taking these matters into account.

The asset is foreclosed and will be sold by a free sale conducted by the enforcement officer in accordance with the general auction terms provided in the Enforcement Code as applicable.

The sales brochure is indicative and not a comprehensive description of the sale object. Prospective buyers are urged to familiarize themselves thoroughly with the sale object, the sales brochure and the attached documents before making a bid. The apartment contains some loose property; costs arising from removal of such items are the buyer’s responsibility and should be taken into account when making an offer.