Sale of an enforced-sale apartment (4 rooms + kitchen) in Rytikari, Kemi, Kemi

The property will be sold in an online auction on www.huutokaupat.com from 10 November to 27 November 2026. Registration is required to participate. The deadline for bids is 27 November 2026 at 13:00 (or 2 minutes after the last accepted bid).

The National Enforcement Authority Finland is not responsible for the operation of the service provider’s system. The highest bid is the bid accepted as highest by the service provider’s system. 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 sale period.

The property has been seized 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 appears in the 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 full purchase price is not paid immediately, the buyer must nevertheless pay 20% of the purchase price immediately as a deposit.

Payment period: If the highest bid is accepted, the enforcement officer may, where necessary, grant up to six weeks to pay the balance, calculated from the date of the sale decision. The payment period must be agreed separately. If no payment period is used, the purchase price must be paid without delay after acceptance of the bid. If a payment period is used, annual interest under section 3(2) of the Interest Act is payable on the full purchase price for the entire period, from the date of the sale decision until the payment period ends. If payment is not made within the prescribed period, the buyer must pay default interest under section 4(1) of the Interest Act on the full purchase price until it has been paid or a new sale has been conducted.

Obligations transferred to the buyer

The buyer must pay transfer tax of 1.50% on the total of the purchase price, unpaid housing-company receivables and charges relating to the apartment, and the housing-company loan. Transfer tax is paid to the tax authority. The buyer must provide proof of payment before the share certificate is handed over and the deed of sale is issued.

The buyer must apply to the National Land Survey of Finland to register ownership of the shares in the apartment within 2 months of signing the deed of sale. The National Enforcement Authority will hand the buyer the paper share certificate with a transfer endorsement together with the deed of sale; the buyer must submit them to the National Land Survey of Finland for cancellation when applying for registration. The National Land Survey of Finland charges a fee for registering ownership, payable by the buyer.

Liability for the housing-company loan share:

According to the property manager’s certificate dated 21 October 2026, there is no share of the company’s loans.

Taking possession of an apartment under the housing company’s control:

The housing company took possession of the apartment for three years by a decision of the general meeting dated 20 March 2024. The possession period is 15 May 2024–15 May 2027. The decision gives the housing company the right to rent out the apartment to cover arrears of maintenance charges and other payments. Under Chapter 8, section 7 of the Housing Companies Act, the new owner of the shares being sold will obtain possession of the apartment once they have paid the housing company all due amounts that rent from the apartment could be used to cover under Chapter 8, section 6(2) of the Housing Companies Act. These amounts consist of unpaid maintenance charges and other payments forming the basis for the company taking possession, as well as charges and other payments falling due during the possession period. According to the property manager’s certificate, unpaid charges amounted to EUR 8,900.12 as at 5 October 2026. The amount changes monthly. The buyer must establish the outstanding charges and pay them directly to the housing company. They will not be paid, even in part, from the purchase price paid to the National Enforcement Authority.

The buyer is responsible for ensuring that all obligations relating to the apartment that are payable by the buyer are fulfilled to the housing company. Bids in the online auction must take these matters into account.

Terms of sale

The property is sold in an online auction with incremental bids on www.huutokaupat.com. The deadline for submitting purchase bids is 27 November 2026 at 13:00 (or 2 minutes after the last purchase bid accepted for the auction has been submitted).

The National Enforcement Authority is not responsible for the operation of the service provider’s system. The highest bid is the bid accepted as highest by the service provider’s system. The enforcement officer decides whether or not to accept 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 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 according to the automatic bidding system. The written bid must be submitted to the National Enforcement Authority by 26 November 2026 at 12:00 at National Enforcement Authority / Kemi office, Valtakatu 28, 4th floor, 94100 Kemi. A written bid is binding and subject to the same terms as an online auction bid. It must be signed and state the bidder’s contact details, the bid’s maximum amount, and the number of the property on Huutokaupat.com to which the bid relates.

The property has been seized 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.