Enforced residential property in Arkkukari, Raahe

The property is sold by ascending bids in an online auction held on the website www.huutokaupat.com. Participation in the auction requires registration. The deadline for submitting bids ends on 30 September 2026 at 18:00, or three minutes after the last accepted bid.

The Enforcement Office 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.

If it is not possible to submit a bid via the huutokaupat.com service, a prospective buyer may submit a written bid to the enforcement officer, which will be included in the online auction as the maximum bid according to the automatic increment system. The bid must be delivered no later than 28 September 2026 at 16:15 either by post to the Enforcement Office at Ulosottolaitos, PL 1, 00067 Ulosottolaitos, or by submitting a written bid to the registry of the Oulu office at Torikatu 34–40, 2nd floor, 90100 Oulu (open on weekdays from 8:00 to 16:15), or by email to oulu.realisointi.uo@oikeus.fi. The person submitting the written bid is responsible for ensuring that the bid has arrived by the stated deadline. A written bid is binding and the same terms apply as in the online auction. The written bid must be signed and include the bidder’s contact details, the maximum amount of the bid, and the huutokaupat.com item number to which the bid refers.

Bids submitted in the online auction and in writing 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 purchase price offered may result in 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 sales period.

Payment terms

Deposit

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

Payment period

If necessary, a payment period of up to six weeks may be granted for the remaining purchase price. The payment period must be agreed separately. If a payment period is used, annual interest on the full purchase price must be paid 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 no payment period is used, the purchase price must be paid immediately after acceptance of the bid.

If payment is not made within the specified time, the buyer must pay default interest on the full purchase price in accordance with Section 4(1) of the Interest Act until the purchase price has been paid or a new sale has been carried out.

Mortgages

A total of one electronic mortgage deed worth EUR 150,000 has been registered against the property. The lien rights attached to the sold property will lapse and the mortgage will remain in force. The electronic mortgage deed will be transferred to the buyer, or to the person designated by the buyer, free of debt. No mortgage debt will be transferred to the buyer.

Connections

In addition to the purchase price, the buyer must pay directly to the water and electricity companies any receivables that the service provider requires as a condition for transferring the connection. The amount of any such arrears known at the time this sales brochure was prepared is:

- According to Raahen Vesi Oy, there are currently no arrears / 26.8.2026. An invoice due on 15.9.2026 for EUR 22.42 is outstanding.

- For the electricity connection of Elenia Oy, there is currently an electricity transmission debt burdening the connection of EUR 849.93 / 28.8.2026. The site contract was terminated for breach of contract on 1.7.2026, and the electricity was disconnected on 4.5.2026. The site has also entered the removal process, but the connection has not yet been dismantled (status 28.8.2026). The electricity connection cannot be transferred to the new owner until the encumbrances have been paid.

The amount of arrears may increase or decrease by the time ownership is transferred. Arrears are not paid from the purchase price.

The buyer is responsible for any fees arising from the transfer of connection agreements.

Other information

The property has been enforced and is sold by private sale conducted by the enforcement officer, applying as appropriate the general auction terms laid down in the Enforcement Code.

Prospective buyers are advised to familiarise themselves carefully with the property for sale, the sales brochure and the attached documents.

Transfer tax is 3% of the purchase price. The buyer is responsible for transfer tax.

The State has a right of pre-emption in the sale of the property if acquisition is necessary for national defence, border control or border security, or for monitoring or safeguarding territorial integrity (Act on the State's Right of Pre-emption in Certain Areas 469/2019 of 29 March 2019).

Foreign persons defined by law may acquire a property located in the territory of the State of Finland only if a permit is granted for the acquisition (Act on Permit Requirements for Certain Property Acquisitions 470/2019 of 29 March 2019).

Appeal
An appeal against the sale and any sale-related or pre-sale measure must be lodged within three weeks from the date of sale. The appeal instructions are attached to the auction protocol.

Terms of sale of the object

The object is sold by online auction with ascending bids on the website www.huutokaupat.com. The deadline for submitting purchase bids expires on 30 September 2026 at 18:00 (or 3 minutes after the last purchase bid accepted for the auction has been made).

The Enforcement Office 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 the highest. The enforcement officer decides whether the highest bid is to be accepted or not. 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 lead to the buyer's liability for compensation in accordance with 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 a bid via the Huutokaupat.com service, the prospective buyer may submit a written bid to the enforcement officer. The bid will be attached to the online auction as a maximum bid according to the bidding automation. The bid must be submitted in writing to the Enforcement Office no later than 28 September 2026 at 16:15 at the address Enforcement Office Oulu branch, Torikatu 34–40, 90100 Oulu or by email to oulu.realisointi.uo@oikeus.fi. A written bid is binding and the same terms apply to it as in the online auction. The written bid must be signed and the bidder's contact details, the maximum amount of the bid and the number of the item in the Huutokaupat.com service to which the bid applies must be shown on the bid.

The property is enforced and sold by private sale through 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.