Apartment block two-room flat for sale by enforcement (2 rooms + kitchenette) in Kemi city centre, Kemi

The property will be sold in an online auction on the website www.huutokaupat.com from 30.9.-21.10.2026. Participation in the auction requires registration. The deadline for submitting bids ends on 21.10.2026 at 13:00 (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 enforcement officer decides whether the highest bid will be 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 under Chapter 5, Section 25 of the Enforcement Code.

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

The property has been seized and is sold by free sale arranged 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.

Payment terms

The enforcement officer will notify the bidder with the highest offer whether the offer can be accepted. If the offer can be accepted, the buyer shall pay 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 enforcement officer will issue the sales decision, which will be delivered to the parties. The purchase price cannot be paid by credit card.

Deposit: If the full purchase price is not paid immediately, the buyer must nevertheless pay 20% of the purchase price as a deposit immediately.

Payment period: If the highest offer is accepted, the enforcement officer may, if necessary, grant a payment period of up to six weeks for the remaining purchase price from the date the sales decision is drawn up. The payment period must be agreed separately. If no payment period is used, the purchase price must be paid without delay after the offer is accepted. 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 whole payment period from the date of the sales decision until the end of the payment period. If payment is not made within the specified time, the buyer must pay late-payment interest in accordance with Section 4(1) of the Interest Act on the full purchase price until the purchase price has been paid or a new sale has been carried out.

Obligations transferred to the buyer

The buyer must pay transfer tax, which is 1.50% of the total of the purchase price and any unpaid company receivables and charges relating to the apartment, as well as the 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's 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 must submit to the National Land Survey of Finland for cancellation in connection with the registration of ownership. The National Land Survey charges a fee for registering the apartment, which is paid by the buyer.

Liability for company loan shares:
In addition to the cash purchase price, company loan shares relating to the apartment amounting to a total of EUR 1,866.20 as at 11.9.2026 transfer to the buyer. The claim consists of a pipe renovation loan of EUR 1,709.08 (RL2), for which capital charges of EUR 79.32/month are paid, and a roof renovation loan of EUR 157.12 (RL3), for which capital charges of EUR 19.83/month are paid.

The company loan share relating to the apartment remains payable by the buyer and is not paid from the purchase price.

Taking possession of an apartment held by the housing company:

The apartment has been taken into possession by the housing company for three years by a decision of the general meeting on 20.11.2025. The possession decision gives the housing company the right to rent out the apartment to cover unpaid maintenance charges and other fees. Under Chapter 8, Section 7 of the Limited Liability Housing Companies Act, the new owner of the shares being sold gets possession of the apartment when they pay the housing company all overdue amounts for which the rent received from the apartment could be used under Chapter 8, Section 6(2) of the Limited Liability Housing Companies Act. These amounts consist of unpaid maintenance charges and other fees that formed the basis for the housing company's taking possession, as well as maintenance charges and other fees falling due during the possession period. According to the property manager's certificate, unpaid charges total EUR 9,622.86 as at 11.9.2026. The amount of the claim changes monthly. The buyer must settle the arrears of maintenance charges and pay them directly to the housing company. They are not paid even in part from the purchase price paid to the Enforcement Authority.

The buyer must personally ensure payment to the housing company of the obligations relating to the apartment for which they are responsible. Bids in the online auction must take these matters into account.

Object's terms of sale

The object is sold by online auction with increasing bids on the website www.huutokaupat.com. The deadline for submitting purchase bids expires on 21.10.2026 at 13:00 (or 2 minutes after the last purchase bid accepted for 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 accepted by the service provider's system 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 damages 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 place bids via the Huutokaupat.com service, the prospective buyer may submit a written bid to the enforcement officer. The bid will be linked to the online auction as a maximum bid according to the bidding system. The written bid must be submitted to the Enforcement Authority no later than 20.10.2026 at 12:00 to the address Enforcement Authority / Kemi office, Valtakatu 28, 4th floor, 94100 Kemi. 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 on the Huutokaupat.com service to which the bid relates.

The property has been seized and is sold by free sale arranged by 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.