Enforced sale apartment share (4 rooms + kitchen, 100 m2) in Kaukovainio, Oulu

The item is sold in an online auction held on the website www.huutokaupat.com. Participation in the auction requires registration. The deadline for submitting bids ends on 12.10.2026 at 18:00 (or 2 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 bailiff decides whether the highest bid is accepted or rejected. Bids made 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.

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

If it is not possible to submit a bid via the Huutokaupat.com service, a prospective buyer may submit a separate written bid to the bailiff, to be included in the online auction as the maximum bid according to the automatic bidding system. The bid must be delivered no later than 7.10.2026 at 16:15 either by post to Enforcement Authority, Oulu office, Torikatu 34–40, 90100 Oulu, by leaving it at the Oulu office registry (open Mon–Fri 8:00–16:15), or by email to oulu.realisointi.uo@oikeus.fi. The person submitting a written purchase offer is responsible for ensuring that it is received by the deadline. A written purchase offer is binding and the same terms apply as in the online auction. The written purchase 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 property has been seized and is sold by private sale conducted by the bailiff in accordance with Chapter 5, Section 76 of the Enforcement Code and, where applicable, the general auction terms laid down in the Enforcement Code.

Payment terms

The bailiff will inform the maker of the highest purchase offer whether the offer can be accepted. If the offer can be accepted, the buyer pays the full purchase price by bank transfer to the Enforcement Authority's official funds account. Once the payment is visible in the official funds account, the bailiff issues the sales decision, which is delivered to the parties. The purchase price cannot be paid by credit card.

Deposit

The buyer must immediately pay a deposit equal to 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 is deemed to be the buyer.

Payment period

If necessary, a payment period of up to six weeks may be granted for the balance of the purchase price. The payment period must be notified separately. If a payment period is used, annual interest must be paid on the full purchase price in accordance with section 3(2) of the Interest Act for the entire agreed payment period from the sale date 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 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. The current default interest rate is 9.50%.

Obligations transferred to the buyer

The buyer must pay transfer tax, which is 1.50% of the total of the purchase price and the unpaid company receivables and charges relating to the apartment, as well as the housing company loan. Transfer tax is paid to the tax authority. The buyer must provide proof of payment of the transfer tax before the share certificate is handed over and the deed of sale is issued.

The buyer is obliged to apply to the National Land Survey of Finland for registration of ownership of the shareholder apartment within 2 months of signing the deed of sale. The Enforcement Authority will hand over the paper share certificate with transfer endorsements together with the deed of sale, which the buyer will submit to the National Land Survey of Finland for cancellation in connection with the ownership registration. The National Land Survey of Finland charges a fee for registering the share apartment, which is payable by the buyer.

Liability for the housing company loan share
The buyer assumes responsibility for the housing company loan share attached to the shares, which according to the property manager's certificate is EUR 38,637.97 as of 15.8.2026. The housing company loan share relating to the apartment remains payable by the buyer and is not included in the purchase price. The buyer must independently ensure payment to the housing company of the obligations relating to the apartment for which the buyer is responsible. Bids in the online auction must be made taking these matters into account.

Obligations transferred to the buyer due to the previous owner's unpaid charges and fees

The apartment was taken into the company's possession for three years by a general meeting decision dated 21.12.2023. Under the Finnish Housing Companies Act, the new owner has the right to take possession of the apartment before the end of the possession period if the buyer pays the costs arising from taking the apartment into the company's possession, any costs incurred by the company in repairing the shareholder apartment, unpaid housing charges, and those housing charges falling due while the apartment is in the company's possession. According to the property manager, the buyer's liability amounts to EUR 5,923.11 as of 24.8.2026. At the time of transfer of possession/ownership of the shares, the above-mentioned unpaid charges, costs and expenses, with default interest, may be higher than stated above. The above receivables remain payable by the new buyer and are not paid from the purchase price.

The housing company has rented the apartment under an open-ended lease starting 21.7.2025, with rent of EUR 920/month and an advance water charge of EUR 17/person/month. The company has terminated the lease to end on 28.2.2027, as the taking into possession ends on 28.2.2027. According to the property manager's office on 25.8.2026, the housing company may relinquish possession once all receivables have been paid, noting that the lease cannot be terminated before it ends (the lease was terminated 6 months before expiry). The lease is governed by the provisions of the Residential Tenancies Act. The lease may be terminated on grounds under the Residential Tenancies Act, but not on the ground that the property has been sold by enforcement sale. However, the tenant's right to hold the apartment ends without notice at the latest when the housing company's possession period ends, regardless of any agreement on the duration of the tenancy.

Object's sales terms

The item is sold in an online auction on the website www.huutokaupat.com. The deadline for bids ends on 12.10.2026 at 18:00 (or 2 minutes after the last bid accepted for the auction has been made).

The Enforcement Service 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 highest. The bailiff decides separately whether the highest bid is accepted or rejected. 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 result in the buyer's liability for compensation in accordance with Chapter 5, Section 25 of the Enforcement Code.

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

If it is not possible to submit a bid through the Huutokaupat.com service, a buyer candidate may submit a separate written bid to the bailiff. The bid will be added to the online auction as the maximum bid according to the bidding automation. The bid must be submitted in writing to the Enforcement Service no later than 7.10.2026 at 16:15 to the address Enforcement Service / Oulu office, Torikatu 30-40, 90100 Oulu, or 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 item number in the Huutokaupat.com service to which the bid relates.

The property is seized and sold by private sale conducted by the bailiff in accordance with Chapter 5, Section 76 of the Enforcement Code and, where applicable, the general auction terms of the Enforcement Code.