Foreclosed detached-house property subject to a life interest encumbrance, Pyhäntä

This sale offers the property Törmälä 630-403-36-0 for sale on the condition that a third party’s lifetime right of possession remains in force.

The binding bid will be determined after the separate alternative bidding procedures have ended, the enforcement officer has checked the bids and the pledgee’s approval is known.

Method of submitting bids

The property is sold by ascending bids in an online auction held on www.huutokaupat.com. Registration is required to participate. The deadline for bids is 13.12.2026 at 18:00, or two minutes after the last accepted bid.

The National Enforcement Authority is not responsible for the functioning of the service provider’s system. The highest bid is the bid accepted as highest by the service provider’s system. The enforcement officer will separately decide whether to accept or reject the highest bid.

If it is not possible to submit a bid through the huutokaupat.com service, a prospective buyer may submit a written bid to the enforcement officer. It will be added to the online auction as a maximum bid in accordance with the automatic bidding system. The bid must be delivered by 9.12.2026 at 16:15 either by post to the National Enforcement Authority, PO Box 1, FI-00067 National Enforcement Authority, by leaving it with the Oulu office registry at Oulu office, Torikatu 34–40, 90100 Oulu (open Mon–Fri 08:00–16:15), or by email to oulu.realisointi.uo@oikeus.fi. The person submitting a written bid is responsible for ensuring that it arrives by the deadline. 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 item number on the huutokaupat.com service to which the bid relates.

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

Payment terms

Deposit:
The buyer must immediately pay a deposit equal to 20% of the purchase price into the National Enforcement Authority’s official funds account. The deposit cannot be paid by credit card. The National Enforcement Authority 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 to be the buyer.

Payment period:

Where necessary, a payment period of up to six weeks may be granted for the balance of the purchase price. The payment period must be notified separately. If a payment period is used, annual interest on the entire purchase price must be paid in accordance with section 3(2) of the Interest Act for the entire 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 specified period, the buyer must pay default interest under section 4(1) of the Interest Act on the entire purchase price until it has been paid or a new sale has been conducted.

Obligations and rights transferred to the buyer

The sale conditionally includes an electricity connection of 3 × 50 A. To transfer the electricity connection into their name, the buyer must pay the electricity company (Kajave) any arrears relating to the connection. Arrears of €139.72 were outstanding on 11.09.2026.

The sale conditionally includes a water connection. The consumption points are in the residential building and the cowshed. To transfer the connection into their name, the buyer must pay the water utility (Pyhännän Vesi Oy) any arrears relating to the connection. Arrears of €706.83 were outstanding for the residential building’s consumption point on 07.09.2026. Further charges may arise when the water meter is read. The water meter was last read on 24.11.2025.

The buyer is responsible for any fees arising from the transfer of the connection agreements.

Applying for title registration and paying transfer tax

The buyer must apply for registration of title within six months of the date of the deed of sale. The buyer must pay transfer tax on their own initiative no later than when applying for registration of title. Transfer tax is 3% of the purchase price.

Other information

The property has been seized and is sold by private sale conducted by the enforcement officer, applying as 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 for sale.

Buyers are advised to familiarise themselves thoroughly with the property, the sales brochure and the attached documents before submitting a bid.

Terms of sale of the property

The property is sold by ascending bids in an online auction on www.huutokaupat.com. The deadline for bids is 13.12.2026 at 18:00 (or two minutes after the last bid accepted for the auction has been submitted).

The National Enforcement Authority is not responsible for the functioning of the service provider’s system. The highest bid is the bid accepted as highest by the service provider’s system. 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 agreed 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.

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

If it is not possible to submit a bid through the Huutokaupat.com service, a prospective buyer may submit a written bid to the enforcement officer. It will be added to the online auction as a maximum bid in accordance with the automatic bidding system. The bid must be submitted in writing to the National Enforcement Authority by 09.12.2026 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 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 item number on the Huutokaupat.com service to which the bid relates.

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