Foreclosed detached-house property without an encumbering right of possession, Pyhäntä

This sale offers the property Törmälä 630-403-36-0 for sale on condition that third parties’ lifelong rights of possession do not remain in force.

The offer that will remain in force will be determined after the separate alternative bidding processes have ended, the enforcement officer has checked the offers and the pledgee’s approval is known.

How offers are submitted

The property is sold by ascending bids in an online auction held on www.huutokaupat.com. Registration is required to participate. The deadline for submitting bids is 13/12/2026 at 19:00 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.

If it is not possible to submit a purchase offer through the huutokaupat.com service, a prospective buyer may submit a written purchase offer to the enforcement officer. It will be included in the online auction as a maximum bid in accordance with the automatic bidding system. The offer must be submitted by 09/12/2026 at 16:15 either by post to the National Enforcement Authority Finland at Ulosottolaitos, PO Box 1, 00067 Ulosottolaitos, by leaving a written offer at the Oulu office registry at Oulun toimipaikka, Torikatu 34–40, 90100 Oulu (open Mon–Fri 08:00–16:15), or by email to oulu.realisointi.uo@oikeus.fi. The person submitting the written purchase offer is responsible for ensuring that it arrives by the deadline. The written purchase offer is binding and is subject to the same terms as the online auction. The written purchase offer must be signed and state the submitter’s contact details, the maximum offer amount and the item number on huutokaupat.com to which the offer relates.

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

Payment terms

Deposit:
The buyer must immediately pay 20% of the purchase price as a deposit into the National Enforcement Authority’s official account. The deposit cannot be paid by credit card. The National Enforcement Authority will contact the person whose highest 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:

A payment period of up to six weeks may be granted for the remaining purchase price. The payment period must be agreed 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 the offer has been accepted.

If payment is not made within the specified period, the buyer must pay late-payment interest on the entire purchase price in accordance with section 4(1) of the Interest Act until the purchase price 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 have the electricity connection transferred into their name, the buyer must pay the electricity company (Kajave) any arrears relating to the connection. Arrears of €139.72 were recorded for the connection as at 11/09/2026.

The sale conditionally includes a water connection. Consumption points are located in the residential building and the cowshed. To have the connection transferred into their name, the buyer must pay the water utility (Pyhännän Vesi Oy) any arrears relating to the connection. Arrears of €706.83 were recorded for the connection (the residential building’s consumption point) as at 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 charges arising from the transfer of the connection agreements.

Applying for title registration and paying transfer tax

The buyer must apply to register title to the acquisition 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 to register title. Transfer tax is 3% of the purchase price.

Other information

The property has been distrained and is sold by private 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 examine the property, the sales brochure and the attached documents carefully before making 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 submitting purchase bids is 13/12/2026 at 19:00 (or two minutes after the last purchase bid accepted for the auction has been submitted).

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 must 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 in accordance with 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 through the Huutokaupat.com service, 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 in accordance with the automatic bidding system. The bid must be submitted in writing to the National Enforcement Authority Finland by 09/12/2026 at 16:15 at National Enforcement Authority Finland / 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 distrained 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 of the Enforcement Code.