Foreclosed apartment shares (3 rooms+kitchen+sauna+storage+garage) in Kuusankoski, Kouvola

The property is sold by ascending bids in an online auction held on the www.huutokaupat.com website from 1 to 26 October 2026. Registration is required to participate. The deadline for bids is 26 October 2026 at 12:00 or two minutes after the last accepted bid.

The National Enforcement Authority Finland 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 will separately decide whether to accept or reject the highest bid.

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 stated 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.

If it is not possible to submit bids through the Huutokaupat.com service, a prospective buyer may submit a written purchase offer to the enforcement authority. It will be included in the online auction as the maximum bid in accordance with the automatic bidding system. The written offer must be signed and state the bidder’s contact details, maximum amount and the Huutokaupat.com item number to which the offer relates. A written purchase offer is binding and is subject to the same terms as the online auction. The offer must be submitted by 23 October 2026 at 10:00 to the National Enforcement Authority Finland’s office at Vuorikatu 1, 45100 Kouvola OR by email to kouvola.realisointi.uo@oikeus.fi.

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

The buyer must immediately pay 20% of the purchase price as a deposit into the National Enforcement Authority Finland’s official funds account. The deposit cannot be paid by credit card. The National Enforcement Authority Finland will contact the highest bidder whose bid has been accepted. The highest bidder must state on whose behalf the bid was made. Otherwise, the highest bidder will be deemed the buyer.

Payment of the remaining purchase price may, if necessary, be granted for a maximum of six weeks. The payment period must be agreed separately. If a payment period is used, annual interest pursuant to section 3(2) of the Interest Act must be paid on the entire purchase price for the agreed 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 period, the buyer must pay default interest pursuant to section 4(1) of the Interest Act on the entire purchase price until it has been paid or a new sale has been conducted. The current default interest rate is 9.50%.

The total amount of unpaid maintenance charges as at 29 September 2026 is €414.00. As the shares have not been taken into the housing company’s possession, the new owner’s maximum liability equals the total amount of the maintenance charge and other charges for the month in which ownership was transferred and the five immediately preceding months (Chapter 3, section 7 of the Housing Companies Act). The amount of the claims will be updated according to the sale becoming final. The above amount changes monthly, and default interest also accrues on overdue claims.

In addition to the purchase price payable in cash, the buyer assumes responsibility for the share of the housing company loan relating to the apartment, amounting to €1,061.60 as at 30 September 2026. The share of the housing company loan relating to the apartment remains payable by the buyer and is not paid from the purchase price. The buyer must independently ensure that obligations relating to the apartment for which they are responsible are paid to the housing company. Bids in the online auction must take these matters into account.

The buyer is liable to pay transfer tax at 1.5%. The tax is calculated on the total purchase price and obligations assumed by the buyer, as at the date ownership is transferred.

The buyer obtains possession of the property when the entire purchase price and any obligations assumed by the buyer have been paid. The buyer may not use the property in a manner that reduces its value before receiving the deed of sale. The buyer acquires ownership of the property upon receiving the deed of sale. The deed of sale is handed over when the sale has become final and the entire purchase price and transfer tax have been paid.

The property has been foreclosed and is sold by a free sale conducted by the enforcement officer, applying, where appropriate, the general auction terms laid down in the Enforcement Code.

The sales brochure is indicative and is not a comprehensive description of the property. Buyers are advised to inspect the property, sales brochure and attached documents carefully before making a bid.