Seized holiday cottage in Santsaari, Hamina, Hamina

The buyer must assess the condition of the buildings on the property and any necessary repairs themselves, taking into account at least their own inspection observations. The property should therefore be viewed in person. The sales brochure is indicative only and is not a comprehensive description of the property.

Buyers are strongly advised to familiarise themselves carefully with the property, the sales brochure and the attached documents before submitting an offer.

The buildings on the property contain low-value movable property. The buyer must be prepared for the possibility that, if any movable property remains on the property, clearing it and disposing of it will be the buyer's responsibility and at the buyer's expense.

The property is sold by ascending bids in an online auction held on the www.huutokaupat.com website between 28.9.2026 and 19.10.2026. Participation in the auction requires registration. The deadline for submitting bids ends on 19.10.2026 at 13:00 or two 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 separately whether to accept or reject the highest bid.

If it is not possible to submit purchase offers through the Huutokaupat.com service, the prospective buyer may submit a written purchase offer to the enforcement authority, which will be included in the online auction as the maximum bid according to the bid increment system. The written offer must be signed and include the bidder's contact details, the maximum amount of the offer and the Huutokaupat.com item number to which the offer relates. The written purchase offer is binding and the same terms apply as in the online auction. The offer must be submitted no later than 15.10.2026 at 10:00 to the Enforcement Authority's Kouvola office, address Vuorikatu 1, 45100 Kouvola, 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 submitted in the online auction are binding. If a submitted bid is accepted, the bidder is obliged to pay the offered purchase price 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 earnest money into the Enforcement Authority's official funds account. The earnest money cannot be paid by credit card. The Enforcement Authority will contact the person who made 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.

If necessary, a payment period for the final purchase price is granted until 9.11.2026. The payment period must be agreed separately. If a payment period is used, annual interest on the entire purchase price must be paid for the full agreed payment period from the date of sale until the end of the payment period, in accordance with section 3(2) of the Interest Act.

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 specified time, the buyer must pay default interest on the entire 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 conducted.