Seized semi-detached apartment 3 rooms + kitchen, 95 m² / Semi-detached apartment 3 rooms + kitchen, 95 m² in Muhos, Muhos

The property is sold in an online auction with increments at www.huutokaupat.com. Participation requires registration. The deadline for submitting bids ends on 15 June 2026 at 18:00 (or 3 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 decides 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 period. 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.

If registration via the service is not possible, a written purchase offer may be submitted. A written offer must be received by the Enforcement Authority no later than 10 June 2026 at 16:15 by post or email. Email: oulu.realisointi.uo@oikeus.fi. Postal address: Enforcement Authority, Oulu Office, Torikatu 34–40, Oulu. The office’s customer service is open on weekdays 08:00–16:15. The written offer must state the bidder’s name, personal ID/business ID and contact details. A written offer will be entered into the online auction as a maximum bid. The person making a written offer is responsible for ensuring the offer arrives by the deadline. A written offer is binding and is subject to the same terms as the online auction.

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

Payment terms

The enforcement officer will inform 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 trust account. Once the payment is visible on the trust account, the enforcement officer will issue the sales decision, which will be delivered to the parties. The purchase price cannot be paid by credit card.

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

Payment period: If needed, up to six weeks’ payment time may be granted for the remaining purchase price from the date of the sales decision. In that case, annual interest is payable for the entire payment period from the sales date until the payment deadline. The reference interest rate is currently 2.50%. If payment is not made within the granted period, annual late interest will be charged, currently 9.50%.

Buyer’s liabilities

The buyer must pay the transfer tax, which is 1.50% of the sum of the purchase price and any unpaid company receivables, charges and loans related to the flat. The transfer tax is paid to the tax authority. The buyer must present proof of payment of transfer tax before the share certificate is handed over and the deed is issued.

The buyer must apply to the National Land Survey to register the ownership of the share apartment within 2 months of signing the deed. The Enforcement Authority will hand over a paper share certificate with a transfer note together with the deed; the buyer must submit the certificate to the National Land Survey for cancellation when registering ownership. The National Land Survey charges a fee for registering the share apartment, which is payable by the buyer.

Liability for company loan shares:

The buyer is liable to the housing company for any company loan shares attached to the flat. According to the property manager’s certificate dated 18 May 2026, the housing company has no loans.

Liability for unpaid service charges:

The buyer is liable to the housing company for service charge arrears and user charges neglected by the previous owner, but only up to an amount equal to the total service charge for the month when ownership transfers and the five preceding months. According to the property manager’s certificate (18 May 2026), there are arrears of EUR 1,200 for the flat. The new owner is not liable for a former owner’s unpaid service charge or fee that is not mentioned in the property manager’s certificate and that fell due before the certificate date (Housing Companies Act 3:7 § 3).

Liability for new charges:

Under the Housing Companies Act (Chapter 3, Section 6), the new owner is liable for new charges from the date ownership transfers.

Taking possession of a flat in the housing company’s custody:

By resolution of the housing company’s general meeting on 4 October 2024, the flat was decided to be taken into the company’s possession for up to three years due to unpaid charges and user fees. The buyer will receive possession of the share apartment from the housing company only when they have paid all unpaid charges, user fees and costs of taking the flat into custody. According to the property manager’s certificate (18 May 2026), there are arrears of EUR 1,200 for the flat. The new owner is not liable for a former owner’s unpaid service charge or fee that is not mentioned in the property manager’s certificate and that fell due before the certificate date (Housing Companies Act 3:7 § 3).

Tenancy right encumbering a flat in the housing company’s custody:

By resolution of the housing company’s general meeting on 4 October 2024, the flat was decided to be taken into the company’s possession for up to three years due to unpaid charges and user fees. According to the property manager’s certificate dated 18 May 2026, the housing company has not currently let the share.

The object is sold on the auction website www.huutokaupat.com with increment bids. The deadline to submit purchase offers expires on 15 June 2026 at 18:00 (or 3 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 decides whether to accept 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 for compensation under Chapter 5, Section 25 of the Enforcement Code.

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

If it is not possible to bid via Huutokaupat.com, a candidate buyer may submit a written offer to the enforcement officer. The offer will be entered in the online auction as a maximum bid. The offer must be submitted in writing to the Enforcement Authority no later than 10 June 2026 at 16:15 to Utsökningsverket / Oulu Office, Torikatu 34–40, Oulu or oulu.realisointi.uo@oikeus.fi. A written offer is binding and subject to the same conditions as the online auction. The written offer must be signed and include the bidder’s contact details, the maximum bid and the item number in the Huutokaupat.com service to which the offer relates.

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