Detached house property for sale in Kemijärvi / Foreclosed detached house property for sale in Kemijärvi, Kemijärvi

The property will be sold in an online auction held on www.huutokaupat.com from 23 October to 16 November 2026. Registration is required to participate. The deadline for submitting bids is 16 November 2026 at 18:00 (or 2 minutes after the last accepted bid).

The National Enforcement Authority Finland 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 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 authority reserves the right to end the sale or extend the sales period.

The property has been seized and will be sold by the enforcement officer through a private sale 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 highest bidder whether the bid can be accepted. If it can be accepted, the buyer must pay the entire purchase price by bank transfer to the National Enforcement Authority’s official account. Once the payment is credited to the official account, the enforcement officer will issue a sale decision, which will be served on the parties. The purchase price cannot be paid by credit card.

Deposit: If the entire purchase price is not paid immediately, the buyer must nevertheless pay an immediate deposit of 20% of the purchase price.

Payment period: Where necessary, a payment period of no more than six weeks from the sale decision may be granted for the remaining purchase price. In that case, annual interest is payable on the entire purchase price for the 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 default interest, currently 9.50%, will be charged thereafter.

Obligations transferred to the buyer

Upon transfer of ownership, the buyer must pay transfer tax of 3% on their own initiative before applying for title registration and no later than six months after the deed of sale is executed. The buyer is responsible for title registration costs and transfer tax.

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

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

Additional terms of sale

The property is sold in an online ascending-bid auction on www.huutokaupat.com. The deadline for submitting purchase bids is 16 November 2026 at 18:00 (or 2 minutes after the last purchase bid accepted for the auction has been submitted).

The National Enforcement Authority Finland 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 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 sales period.

If it is not possible to submit a bid via 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 using the automatic bidding function. The written bid must be submitted to the National Enforcement Authority Finland no later than 13 November 2026 at 12:00, at National Enforcement Authority Finland / Kuusamo office, Kaiterantie 20, 93600 Kuusamo. A written bid is binding and is subject to the same terms as the online auction. The written bid must be signed and state the bidder’s contact details, the maximum bid amount and the number of the property in the Huutokaupat.com service to which the bid relates.

The property has been seized and will be sold by private sale through the enforcement officer in accordance with Chapter 5, section 76 of the Enforcement Code and, where applicable, the general auction terms in the Enforcement Code.