Terraced apartment for sale, 4 rooms + kitchen + sauna, Keminmaa, Keminmaa

The property is sold in an online auction with bidding on the website www.huutokaupat.com between 27 July and 24 August 2026. Participation in the auction requires registration. The bidding deadline ends on 24 August 2026 at 13:00 (or 3 minutes after the last accepted bid).

The Enforcement Authority is not responsible for the service provider’s system availability. The highest bid is the bid that 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 to extend the sale period.

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

Payment terms

The enforcement officer will notify the highest bidder whether the bid can be accepted. If the bid can be accepted, the buyer shall pay the full purchase price by bank transfer to the Enforcement Authority’s official escrow account. When the payment appears on the escrow 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 the highest bid is accepted, the enforcement officer may, if necessary, grant up to six weeks’ payment time for the balance from the date of the sales decision. The payment period must be agreed separately. If no payment period is used, the purchase price must be paid immediately after the acceptance of the bid. If a payment period is used, annual interest on the full purchase price shall be payable under Section 3(2) of the Interest Act for the whole payment period from the date of the sales decision until the end of the payment period. If payment is not made within the allotted time, the buyer shall pay default interest under Section 4(1) of the Interest Act on the full purchase price until it is paid or a new sale is completed.

Buyer’s obligations to be assumed

The buyer must pay transfer tax (stamp duty) of 1.50% on the total of the purchase price and any unpaid company receivables, charges and company loan relating to the flat. The transfer tax is payable to the tax authority. The buyer must present proof of payment of the transfer tax before the share certificate is handed over and before the deed of sale is issued.

The buyer is obliged to apply for registration of ownership of the shareholder apartment with the National Land Survey (Maanmittauslaitos) within 2 months of signing the deed of sale. The Enforcement Authority will hand over to the buyer the paper share certificate with a transfer note together with the deed of sale, which the buyer must submit to the National Land Survey for cancellation when registering ownership. The National Land Survey charges a fee for registration, which the buyer is responsible for.

Liability for company loan portions:
In addition to the cash purchase price, the buyer will assume company loan portions relating to the flat totalling €11,473.84 as at 31 May 2026. The receivable consists of the ground-source heat renovation (RL1) €807.90, which is paid as a capital charge €99.40 per month, and the domestic water pipe renovation (RL2) €10,665.94, which is paid as a capital charge €107.90 per month.

The company loan portion relating to the flat remains the buyer’s responsibility and is not paid from the purchase price.

The flat has outstanding maintenance charges owed by the current owner. Under Section 7, Chapter 3 of the Housing Companies Act, the new owner’s liability for these unpaid charges is equal to the total company charge for the month in which ownership transferred and the five immediately preceding months. The new owner must pay their share of unpaid charges directly to the housing company; such charges are not paid from the purchase price paid to enforcement. According to the manager’s certificate, arrears to be assumed by the buyer total €3,813.15 as at 09 June 2026. The amount changes monthly.

The buyer must pay the outstanding maintenance arrears directly to the housing company. They will not be paid from the purchase price paid to the Enforcement Authority.

The buyer must personally ensure that obligations related to the flat and owed to the housing company are fulfilled. Bids made in the online auction should take these matters into account.

Sales conditions of the object

The object is sold in an online auction with incremental bidding on the website www.huutokaupat.com. The deadline for submitting purchase bids expires on 24 August 2026 at 13:00 (or 3 minutes after the last purchase bid accepted for the auction).

The Enforcement Authority is not responsible for the functioning of the service provider’s system. The highest bid is the bid that the service provider’s system has approved as highest. The enforcement officer decides whether the highest bid may be accepted. Bids made in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the offered purchase sum within the agreed payment period. Failure to pay the offered purchase sum 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 close the sale or extend the sale period.

If it is not possible to submit bids via the Huutokaupat.com service, a prospective buyer may submit a written bid to the enforcement officer. The bid will be entered into the online auction as a maximum (proxy) bid by the automatic bidding function. The bid must be submitted in writing to the Enforcement Authority no later than 21 July 2026 at 12:00 to the address Utsökningsverket / Kemi operations unit, Valtakatu 28, 4th floor, 94100 Kemi. A written bid is binding and is subject to the same terms as the online auction. The written bid must be signed and must state the bidder’s contact details, the maximum bid amount and the lot number in the Huutokaupat.com service to which the bid relates.

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