Foreclosed properties (total 0.3479 ha) with buildings in Kiiminki, Oulu

The property is sold by online auction on the www.huutokaupat.com website with increment bids. Participation in the auction requires registration. The deadline for submitting bids expires on 4 October 2026 at 18:00, or two minutes after the most recent 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.

If it is not possible to submit a purchase bid via the huutokaupat.com service, the prospective buyer may submit a written purchase bid to the enforcement officer, which will be included in the online auction as the maximum bid according to the bidding system. The bid must be delivered no later than 2 October 2026 at 16:15 either by post to the Enforcement Authority, PO Box 1, 00067 Enforcement Authority, or by leaving the written bid at the Oulu office registry at Torikatu 34-40, 90100 Oulu (open Mon–Fri 8:00–16:15), or by email to oulu.realisointi.uo@oikeus.fi. The person submitting the written purchase bid is responsible for ensuring that the bid has arrived by the stated deadline. A written purchase bid is binding and the same terms apply as in the online auction. The written purchase bid must be signed and must state the bidder’s contact details, the maximum bid amount and the item number on huutokaupat.com to which the bid applies.

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

The properties offered for sale together form a functional whole. If the buyer wishes to bid on only one of the properties being sold, they must submit their bid in writing in accordance with the instructions above.

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

Order of sale

The property will be sold in the following order: first, both properties will be offered for sale together with a joint bid, after which any bids for the properties sold separately will be compared. The joint bid will be accepted if it is higher than the sum of the separate bids.

Payment terms

Deposit

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 with the highest accepted bid. The highest bidder must state on whose behalf the bid was made. Otherwise, the highest bidder will be 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 notified 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 without delay after acceptance of the bid.

If payment is not made within the prescribed time, the buyer must pay late-payment 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 held.

Claims relating to the property being sold

The property is sold together with a water connection and an electricity connection. As a condition for transferring the connections, however, the buyer must pay any overdue claims burdening the connections directly to the service provider, in addition to the purchase price.

The amount of claims identified at the time of preparing the sales brochure is as follows:

- Water connection: as of 2 October 2026, the connection is subject to overdue unpaid invoices totalling EUR 8,444.81.

- Electricity connection: as of 2 October 2026, the connection is subject to no unpaid invoices.

- District heating connection: as of 3 October 2026, the connection is subject to no unpaid invoices.

The amount of overdue claims may change during the sale. Transfer of the connection agreements

Mortgages

Five joint mortgages have been confirmed on the properties Vanhustenkulma and Jaarala (total EUR 563,637.58). If a separate bid is accepted, the joint mortgage encumbering the property will be removed from the property being sold. No secured debt will be transferred to the buyer.

Release from possession

The property is rented. The buyer is fully responsible for the terms of the lease from the date of taking possession. The buyer must make their bid so that, in the event of termination of the lease, the tenant may demand the return of the rental security deposit to themselves.

As the rental security deposit is the tenant’s property and not the debtor’s, the enforcement officer has no authority to dispose of it. The recovery, possible collection or any other dispute concerning the security deposit does not fall within the enforcement officer’s duties, and the enforcement officer will not participate in such a process or be responsible for its outcome. The buyer is responsible for any claim for the security deposit against the seller, i.e. the landlord, and for the related costs and risks.

Obligations transferred to the buyer

Upon transfer of ownership of the property, the buyer must pay transfer tax of three per cent on their own initiative before applying for title registration and no later than six months from the date of the deed of sale. The buyer is responsible for the title registration costs and the transfer tax.

The State has a pre-emption right in the sale of the property if acquiring the property is necessary to ensure national defence, border control or border security, or for monitoring or safeguarding territorial integrity (Act on the State’s Pre-emption Right in Certain Areas 29.3.2019/469).

Foreign persons defined by law may acquire real estate in the territory of the Finnish State only if a permit is granted for the acquisition (Act on the State’s Pre-emption Right in Certain Areas 29.3.2019/470).

Object's terms of sale

The object is sold at an online auction with increment bids on the website www.huutokaupat.com. The deadline for submitting purchase bids expires on 4 October 2026 at 18:00 (or 2 minutes after the last purchase bid accepted in the auction has been submitted).

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 the highest bid is to be accepted or rejected.

The enforcement authority reserves the right to end the sale or extend the sales 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 system. The bid must be submitted in writing to the Enforcement Authority no later than 2 October 2026 at 16:15 at the address Enforcement Authority / Oulu office, Torikatu 34-40, 90100 Oulu or by email to oulu.realisointi.uo@oikeus.fi. A written bid is binding and the same terms apply as 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 applies.

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 damages in accordance with Chapter 5, Section 25 of the Enforcement Code.

The property has been distrained and is 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.