Seized apartment share (2 rooms + kitchen), Kouvola

The property is sold by competitive bidding in an online auction on the www.huutokaupat.com website during the period 4 May–1 June 2026. Participation in the auction requires registration. The deadline for submitting bids ends on 1 June 2026 at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the functionality of the service provider's system. The highest bid is the bid that the service provider's system has registered as the highest. The enforcement officer will decide separately whether to accept or reject the highest bid.

Bids submitted in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the offered purchase price within the stated payment period. Failure to pay the offered purchase price may lead to the buyer’s liability to compensate under section 25 of chapter 5 of the Enforcement Code.

If it is not possible to submit purchase bids via the Huutokaupat.com service, a prospective buyer may submit a written purchase bid to the enforcement authority, which will be attached to the online auction as the maximum bid in accordance with the automatic increment. The written offer must be signed and must state the bidder's contact details, the maximum amount of the bid and the Huutokaupat.com object number to which the bid relates. A written purchase bid is binding and is subject to the same terms as bids in the online auction. The offer must be submitted no later than 29 May 2026 at 10:00 to the Enforcement Authority's Kouvola office, address Vuorikatu 1, 45100 Kouvola OR by e-mail to kouvola.realisointi.uo@oikeus.fi.

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

The buyer must immediately pay a deposit of 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 maker of the highest accepted bid. The maker of the highest bid must state on whose behalf the bid was made. Otherwise the maker of the highest bid will be regarded as the buyer.

If necessary, up to six weeks' payment time may be granted for the remaining purchase price. The payment period will be notified separately. If an extension is granted, annual interest in accordance with section 3(2) of the Interest Act will be charged on the whole purchase price 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 acceptance of the bid. If payment is not made within the time limit, the buyer must pay default interest in accordance with section 4(1) of the Interest Act on the whole purchase price until the purchase price is paid or a new sale has been completed. The default interest rate is currently 9.50%.

According to the property manager's certificate dated 21 April 2026, charges and equivalent fees amount to €12,818.21. The sum also includes the costs of taking the property into possession.

As the apartment has been taken into the company's possession, the new owner has under the Companies Act the right to take possession of it before the end of the possession period after having paid, with interest, all costs caused by the taking into possession, the costs caused to the company by repairing the share apartment and any unpaid service charges and those service-charge instalments that fall due during the period of possession (Housing Companies Act, chapter 8, sections 7 and 6(2)).

If the buyer does not pay the company’s claim in full (excluding any share of a corporate loan), the company’s decision to take possession binds the buyer and the company will rent the apartment to cover its claim. The buyer's personal liability for arrears of charges incurred during the previous owner's period is then determined pursuant to section 7 of chapter 3 of the Housing Companies Act; the new owner is jointly liable with the previous owner for unpaid service charges and other payments under section 3(2) of chapter 3. The maximum liability is equal to the amount of service charges for the month in which ownership transferred and for the five months immediately preceding that month.

The amounts of the above claims change monthly and overdue claims also accrue default interest.

In addition to the cash purchase price, the buyer will assume the apartment’s share of the housing company loan of €2,691.42 as at 31 March 2026. The loan share remains the buyer’s responsibility and is not paid from the purchase price.

The buyer is responsible for ensuring that obligations related to the apartment that fall to them are fulfilled to the housing company. Bids in the online auction should take these matters into account.

The buyer will gain the right of possession to the object when the whole purchase price and any obligations assumed by the buyer have been paid. The buyer must not use the property in a way that diminishes its value before receiving the deed of sale. The buyer will acquire ownership of the object upon receipt of the deed of sale. The deed of sale will be handed over when the sale is final and the entire purchase price and transfer tax have been paid.

The housing company has transferred its share register to the apartment information system maintained by the National Land Survey of Finland. The buyer must apply to have their ownership registered within two months of the date of the deed of sale. The National Land Survey will cancel the paper share certificate at the same time as the ownership is registered. The buyer is responsible for the registration costs.

The property is seized and will be sold by free sale conducted by the enforcement officer, following, where applicable, the general auction terms laid down in the Enforcement Code.

The sales brochure is indicative and is not a comprehensive description of the property. Buyers are advised to familiarise themselves thoroughly with the property, the sales brochure and the attached documents before making an offer.