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  1. Glossary

    Retkeily (Camping/Trekking)

    Outdoor camping and trekking in Finland, supported by everyman's rights and excellent wilderness infrastructure.

    ...recreation involving overnight stays in nature. Finland's everyman's rights allow temporary camping on public and private land (at a reasonable distance from dwellings) without the landowner's...

  2. Glossary

    Ruska (Autumn Colors)

    The spectacular autumn foliage season in Finland, especially in Lapland, when forests turn brilliant shades of red, orange, and gold.

    Ruska refers to the period of autumn colors in Finland when the landscape transforms into brilliant shades of red, orange, yellow, and gold. It is most spectacular in Lapland, where the treeless...

  3. Glossary

    Sairaanhoito: medical care

    Medical care and treatment services in Finland, encompassing public, private, and occupational healthcare.

    ...to medical treatment and healthcare services in Finland, encompassing the full spectrum of care from primary health centers to specialized hospital treatment. Detailed explanation Finland's...

  4. Glossary

    Sairausloma: sick leave

    Paid time off work due to illness in Finland, with specific rules for notification, pay, and medical certificates.

    ...time you take off work due to illness or injury. Finland has strong sick leave protections, ensuring employees can recover without losing their income or job security. Understanding your rights and...

  5. Glossary

    Sairauspoissaolo: sick absence

    Rules and procedures for calling in sick from work in Finland, including pay and documentation requirements.

    ...Legal agreement between employee and employer in Finland defining job duties, salary, working hours, and terms TES (Collective Agreement): Industry-wide minimum employment conditions in Finland, set...

  6. Glossary

    Starttiraha (Startup Grant)

    A grant from municipal employment services for new entrepreneurs in Finland to support their income during the early stages of starting a business.

    ...the municipal employment services (Job Market Finland, https://tyomarkkinatori.fi/en) must be submitted before starting the business Requirements: Viable business plan, adequate skills, full-time...

  7. Glossary

    Talvirenkaat (Winter Tires)

    Winter tires required on cars in Finland from November 1 to March 31 when weather or road conditions call for them.

    ...effectively and are the most popular choice in Finland. Non-studded winter tires use special rubber compounds and tread patterns for winter grip. Summer tires are not allowed during this period...

  8. Glossary

    Terveyskeskus: health center

    Public municipal health center providing primary healthcare services to local residents in Finland.

    ...registered in that municipality as part of Finland's universal healthcare system. Detailed explanation Finland's public healthcare system is primarily organized at the municipal level, and the...

  9. Glossary

    Tilisiirto (Bank Transfer)

    The standard method of transferring money between bank accounts in Finland, widely used for rent, invoices, and everyday payments.

    ...Finnish. It is the most common payment method in Finland for bills, rent, salaries, and person-to-person payments. Finland is one of the most cashless societies in the world, and bank transfers form...

  10. Glossary

    Työeläketurvakeskus: Finnish Centre for Pensions (ETK)

    The central body for Finland's earnings-related pension system, coordinating pension information and international agreements.

    ...for Pensions, the central body that coordinates Finland's earnings-related pension system. ETK does not pay pensions directly but oversees the system, maintains records, and handles international...

  11. Glossary

    Työlupa: work permit

    Authorization to work in Finland, typically included in or associated with a residence permit.

    ...refers to the authorization to work legally in Finland, which is typically integrated into the residence permit system for non-EU/EEA citizens. Detailed explanation In Finland, the right to work is...

  12. Glossary

    Työsopimus: employment contract

    Legal agreement between employee and employer in Finland defining job duties, salary, working hours, and terms.

    ...conditions of employment. Detailed explanation In Finland, an employment contract can technically be oral, written, or even implied through behavior. However, a written contract is strongly...

  13. Glossary

    Työterveys (Occupational Healthcare)

    Employer-provided healthcare in Finland that all employers are legally required to arrange for their employees.

    ...is the occupational healthcare system in Finland. By law, every employer must arrange preventive occupational healthcare for their employees. Many employers voluntarily extend this to include...

  14. Glossary

    Väestörekisteri: population register

    Finland's official population database containing personal information of all registered residents, managed by DVV.

    Väestörekisteri is Finland's Population Information System, a central database containing basic personal information about everyone registered as living in Finland. This...

  15. Glossary

    Veronpalautus (Tax Refund)

    The annual tax return and refund process in Finland, where Vero reconciles taxes paid with taxes owed and issues refunds or residual tax bills.

    Veronpalautus means tax refund in Finland. Each year, the Finnish Tax Administration (Vero) calculates whether you have overpaid or underpaid taxes during the previous year. If you...

  16. Glossary

    Veroprosentti: tax rate

    Your personal tax percentage in Finland, determining how much income tax is withheld from your salary.

    ...from your salary or other taxable income in Finland. Detailed explanation In Finland, your veroprosentti is not a single flat rate but consists of multiple components that together form your...

  17. Glossary

    Vuosiloma: annual leave

    Paid vacation days employees accrue in Finland, typically 2-2.5 days per month worked, governed by the Annual Holidays Act.

    ...off and knowing your rights as an employee in Finland. Detailed explanation Annual leave in Finland is governed by the Annual Holidays Act (Vuosilomalaki), which sets minimum standards for...

  18. Articles

    The Finnish tax at source card for non-residents

    Workers staying six months or less in Finland pay 35 percent tax at source, and a tax-at-source card first takes 510 euros a month off the wage.

    ...months or less you do not file a tax return in Finland for that income. You request the card with form 5057e. Who this applies to Your length of stay and your tax residence decide which rules...

  19. Glossary

    Isännöitsijä: property manager

    Professional property manager who handles daily administration and maintenance of Finnish housing companies.

    ...for the day-to-day administration of a housing company (taloyhtiö or asunto-osakeyhtiö) in Finland. They serve as the main point of contact between residents, the board of directors, and...

  20. Glossary

    Muuttopäivä: moving day

    Finnish moving day traditions, the typical moving process, and practical tips for relocating within Finland.

    ...services Vuokra-asunto (Rental Apartment): Rental housing in Finland

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