Foreclosed detached house property in Martinniemi, Oulu, Oulu

The property is sold in an online auction held on www.huutokaupat.com from 9 to 29 October 2026. Registration is required to participate. The deadline for submitting bids is 29 October 2026 at 18:00 (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 decides whether to accept or reject the highest bid. Bids made in the online auction are binding. If a bid is accepted, the bidder must pay the offered purchase price within the agreed payment period. Failure to pay may result in the buyer’s liability for compensation under Chapter 5, section 25 of the Enforcement Code.

If registration is not possible, a written purchase offer may be submitted. It must be delivered by post or email so that it is received by the National Enforcement Authority no later than 26 October 2026 at 16:15. Email: oulu.realisointi.uo@oikeus.fi. Postal address: National Enforcement Authority, Oulu office, Torikatu 34–40, 90100 Oulu. A written offer may also be submitted to the Oulu office by the deadline. Customer service is open weekdays 08:00–16:15. The offer must state the bidder’s name, personal identity code/business ID and contact details. A written offer will be entered in the online auction as an incremental bid. The submitter is responsible for ensuring that the offer arrives by the deadline. A written offer is binding and subject to the same terms as the online auction.

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

The property has been foreclosed and is sold by private sale conducted 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 inform the highest bidder whether the bid can be accepted. If it can be accepted, the buyer must pay the full purchase price by bank transfer to the National Enforcement Authority’s official client funds account. Once the payment is visible in the account, the enforcement officer will issue a sale decision, which will be delivered to the parties concerned. The purchase price cannot be paid by credit card.

Deposit: Unless the full purchase price is paid immediately, the buyer must pay 20% of the purchase price immediately as a deposit.

Payment period: If necessary, the balance may be granted a payment period of up to six weeks from the sale decision. Annual interest is payable on the full purchase price for the entire period, from the date of sale until the end of the payment period. The reference rate is currently 2.50%. If payment has not been made within the granted period, annual late-payment interest, currently 9.50%, will thereafter be charged.

Liabilities transferred to the buyer

The sale conditionally includes the water and sewer connection. To transfer the water connection into their name, the buyer must pay the water utility (Oulun Vesi) any arrears relating to the connection. Arrears amounted to EUR 124.71 as at 26 August 2026.

The sale conditionally includes a 3 × 25 A electricity connection. To transfer it into their name, the buyer must pay the electricity company (Haukiputaan Sähköosuuskunta) any arrears relating to the connection. There were no arrears as at 3 September 2026.

On transfer of ownership, the buyer must independently pay transfer tax of 3% before applying for title registration and no later than six months after the deed of sale is signed. The buyer is responsible for title registration costs and transfer tax.

The State has a right of first refusal in the sale of the property if acquiring it is necessary to ensure national defence, border surveillance or border security, or to monitor or safeguard territorial integrity (Act on the State’s Right of First Refusal in Certain Areas, 29 March 2019/469).

Foreign nationals specified by law may acquire property in Finland only if permission for the acquisition is granted (Act on the State’s Right of First Refusal in Certain Areas, 29 March 2019/470).

Property sale terms

The property is sold by online auction with incremental bids on www.huutokaupat.com. The deadline for submitting purchase bids is 29 October 2026 at 18:00 (or two minutes after the last purchase bid accepted for the auction has been submitted).

The National Enforcement Authority 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 separately decides whether to accept or reject the highest bid. Bids made in the online auction are binding. If a bid is accepted, the bidder must pay the offered purchase price within the agreed payment period. Failure to pay may result in the buyer’s liability for compensation under Chapter 5, section 25 of the Enforcement Code.

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

If it is not possible to submit bids through Huutokaupat.com, a prospective buyer may submit a written bid to the enforcement officer. The bid will be added to the online auction as a maximum bid according to the incremental bidding system. The written bid must be submitted to the National Enforcement Authority no later than 26 October 2026 at 16:15 at National Enforcement Authority / Oulu office, Torikatu 30–40, 90100 Oulu, or to oulu.realisointi.uo@oikeus.fi. A written bid is binding and subject to the same terms as the online auction. It must be signed and state the bidder’s contact details, the maximum bid amount and the number of the property in Huutokaupat.com to which the bid relates.

The property has been foreclosed and is sold by private sale conducted 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.