Enforced sale apartment share (3-room + kitchen) in central Hamina, Hamina

NOTE!

A moisture report was added to the attachments on 6/8/2026

Buyers are advised to familiarise themselves carefully with the property, the sales brochure and the attached documents before making an offer.

Offers are made on the purchase price, which does not include the apartment’s share of the company loan or any instalment of charges payable by the buyer.

The property is sold by ascending bid in an online auction held on the website www.huutokaupat.com between 5/8/2026 and 27/8/2026. Participation in the auction requires registration. The deadline for submitting bids ends at 14:00 or three minutes after the last accepted bid.

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 accepted as the highest. The enforcement officer decides 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 agreed payment period. Failure to pay the offered purchase price may result in the buyer’s liability for compensation under Chapter 5, Section 25 of the Enforcement Code. In that case, the buyer must compensate the difference if the highest bid in a new sale is lower than the highest bid made in the previous auction, plus the interest referred to in Chapter 5, Section 24(2) of the Enforcement Code. If the bid rises higher than this, the buyer is not entitled to the surplus. The buyer must also compensate the costs of the later sale, unless they can be covered from the surplus. The enforcement officer must collect the said compensation from the deposit or the buyer’s other assets if this can be done within a reasonable time. Otherwise, the compensation will be collected later by decision of the enforcement officer at the creditor’s request.

If it is not possible to submit purchase offers through the Huutokaupat.com service, the prospective buyer may submit a written purchase offer to the enforcement authority, which will be included in the online auction as the maximum bid in accordance with the automatic bidding system. The written offer must be signed and must state the bidder’s contact details, the maximum amount of the offer, and the item number on the Huutokaupat.com service to which the offer relates. The offer must be submitted no later than 25/8/2026 at 12:00 in the lobby post box of the Kotka office of the Enforcement Authority, address Vuorikatu 5 C, 48100 Kotka, or by email to kouvola.realisointi.uo@oikeus.fi.

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

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 result in the buyer’s liability for compensation under Chapter 5, Section 25 of the Enforcement Code.

The buyer must immediately pay a deposit of 20% of the purchase price into the Enforcement Authority’s official funds account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the bidder whose highest bid has been accepted. The bidder with the highest bid must state on whose behalf the bid was made. Otherwise, the bidder with the highest bid will be deemed to be the buyer.

If necessary, up to 17/9/2026 will be allowed for payment of the final purchase price. Any extension of the payment period must be notified separately. If the payment period is used, annual interest must be paid on the entire purchase price in accordance with Section 3(2) of the Interest Act for the entire agreed payment period from the date of sale until the end of the payment period.

If the payment period is not used, the purchase price must be paid without delay after acceptance of the bid.

If payment is not made within the specified time, the buyer must pay default interest in accordance with Section 4(1) of the Interest Act on the entire purchase price until the purchase price has been paid or a new sale has been conducted. The current default interest rate is 9.50%.