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

Buyers are advised to familiarise themselves carefully with the property, the sales brochure and the attached documents before placing a bid.

Bids are made on the purchase price, which does not include the company loan share allocated to the apartment or any maintenance charge instalment payable by the buyer.

The property is sold by increasing bids in an online auction held on www.huutokaupat.com from 5 Aug to 27 Aug 2026. Participation in the auction requires registration. The bidding deadline ends at 14:00 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 accepted as the highest. The enforcement officer decides 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 purchase price offered 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 buyer must then 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 above this, the buyer is not entitled to any surplus. The buyer must also cover 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 from the buyer's other assets if this can be done within a reasonable time. Otherwise, the compensation will later be collected by decision of the enforcement officer on application by the creditor.

If it is not possible to submit bids through the Huutokaupat.com service, a prospective buyer may deliver a written bid to the enforcement authority, to be included in the online auction as the maximum bid according to the automatic bidding system. The written bid must be signed and must state the bidder's contact details, the maximum amount of the bid and the Huutokaupat.com item number to which the bid relates. The bid must be submitted no later than 25 Aug 2026 at 12:00 in the post box in the lobby 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 sale period.

Bids placed in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the purchase price offered within the stated 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 buyer must immediately pay 20% of the purchase price as a deposit into the Enforcement Authority's official funds account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the bidder of the highest accepted bid. The bidder with the highest bid must state on whose behalf the bid was made. Otherwise, the bidder of the highest bid will be deemed to be the buyer.

If necessary, payment time of up to 17 Sep 2026 may be granted for the remaining purchase price. Any payment period must be notified separately. If a payment period is used, annual interest on the entire purchase price must be paid in accordance with Section 3(2) of the Interest Act for the whole agreed payment period from the date of sale until the end of the payment period.

If no payment period is used, the purchase price must be paid without delay after acceptance of the bid.

If payment is not made within the prescribed 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 carried out. The current default interest rate is 9.50%.