Apartment for sale 63.5 m² in Kuusamo town centre, Kuusamo

The property is sold by incremental bids in an online auction on www.huutokaupat.com. Participation requires registration. The deadline for placing bids ends on 24 August 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 highest. The bailiff 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 is obliged to pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may give rise to the buyer’s liability to compensate under Chapter 5, section 25 of the Enforcement Code.

The bailiff reserves the right to end the sale or to extend the sale period.

The property is distrained and will be sold privately under the direction of the bailiff in accordance with Chapter 5, section 76 of the Enforcement Code and, where applicable, the Enforcement Code’s general auction terms.

Payment terms

The bailiff will inform the highest bidder whether the offer can be accepted. If the offer can be accepted, the buyer must pay the full purchase price by bank transfer to the Enforcement Authority’s official account. When the payment appears on that account, the bailiff will issue the sale 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: A payment period for the remaining purchase price may be granted if necessary, but for no more than six weeks from the sale decision. In that case, annual interest is payable on the full purchase price for the whole payment period from the sale date until the end of the payment period. The reference rate is currently 2.50%. If payment is not made within the granted payment period, statutory late payment interest will be charged thereafter. The late payment interest rate is currently 9.50%.

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

The flat has been taken into the housing company’s possession for three years from 1 March 2025 by a decision of the general meeting dated 15 June 2023. The possession decision gives the housing company the right to let the flat to cover arrears of charges and other payments. Under section 7 of chapter 8 of the Companies Act on Housing Companies, the new owner of the shares will obtain possession of the flat when they pay to the company all outstanding amounts that could be covered by rent from the share apartment under section 6(2) of chapter 8. These amounts consist of the unpaid service charges and other payments that formed the basis for taking possession and of those service charges and other payments that fall due during the period of possession. The amount of these charges, according to the manager’s certificate, is EUR 17,243.76 (situation on 7 July 2026). The buyer must also pay charges related to the flat that fall due after 7 July 2026. When the new owner pays this amount to the housing company, the payments referred to under "buyer’s liability for unpaid charges under the Companies Act on Housing Companies" are also settled in full. The new owner must pay these unpaid amounts directly to the housing company; they will not be paid from the purchase price paid to the Enforcement Authority.

The buyer is obliged to pay the transfer tax of 1.5%. The tax is calculated on the combined amount of the purchase price and the obligations transferred to the buyer, according to the date of transfer of ownership. The transfer tax is paid to the tax authority. The buyer must present proof of payment of the transfer tax before the share certificate is handed over and the deed is issued.

Object’s terms of sale

The object is sold by incremental bids in an online auction on www.huutokaupat.com. The deadline for submitting purchase bids is 24 August 2026 at 18:00 (or three minutes after the last purchase bid accepted for the auction).

The Enforcement Authority is not responsible for the operation of the service provider’s system. The highest bid is the bid that the service provider’s system has accepted as highest. The bailiff will decide whether to accept the highest bid.

Bids given 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 time. Failure to pay the offered purchase sum may lead to the buyer’s liability to compensate in accordance with Chapter 5, section 25 of the Enforcement Code.

The bailiff reserves the right to end the sale or to extend the sale period.

If it is not possible to place bids via the Huutokaupat.com service, a prospective buyer may submit a written bid to the bailiff. The bid will be entered into the online auction as a maximum bid according to the auction’s automatic increment function. The bid must be submitted in writing to the Enforcement Authority no later than 21 August 2026 at 12:00 at the address: Enforcement Authority / Kuusamo office, Kaiterantie 20, 93600 Kuusamo, or by email to rovaniemi.realisointi.uo@oikeus.fi. A written bid is binding and is subject to the same conditions as bids in the online auction. The written bid must be signed and must state the bidder’s contact details, the maximum amount of the bid and the number of the object in the Huutokaupat.com service to which the bid relates.

The property is distrained and will be sold privately under the supervision of the bailiff in accordance with Chapter 5, section 76 of the Enforcement Code and, where applicable, the Enforcement Code’s general auction terms.