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  1. Glossary

    Omakotitalo: detached house

    A single-family detached home in Finland, the most spacious but also most maintenance-intensive housing option.

    ...the most space and privacy of any Finnish housing type, but also requiring the most maintenance and financial investment. Detailed explanation Omakotitalo living is a common aspiration for...

  2. Glossary

    Omistusasunto: owner-occupied apartment

    Buying property in Finland as an international, including the housing company system and purchasing process.

    ...a property typically means purchasing shares in a housing company (asunto-osakeyhtiö) rather than the physical walls themselves, which is a concept unique to Finland and unfamiliar to most...

  3. Glossary

    Rivitalo: row house / terraced house

    A common suburban housing type in Finland, offering more space than apartments with a small private yard.

    ...space than a kerrostalo apartment. Rivitalo housing is popular in suburban areas across Finland. Detailed explanation Rivitalo buildings are a middle ground between apartment living and detached...

  4. Glossary

    Suomi.fi: Finland's digital services portal

    A portal for Finnish public e-services and official messages.

    Suomi.fi is Finland's central digital portal for public services, providing citizens and residents with secure access to government e-services, official messages,...

  5. Glossary

    Kerrostalo: apartment building

    The most common housing type in Finnish cities, a multi-story residential building with shared facilities.

    ...block of flats in Finnish. It is the most common housing type in Finnish cities, consisting of multi-story residential buildings typically containing 10-100+ apartments with shared facilities like a...

  6. Glossary

    Opintotuki: student financial aid

    Finnish government financial support for students including study grant, housing supplement, and loan guarantee.

    ...the study grant (opintoraha), the student housing supplement (asumislisä), which most students in Finland receive since 1 August 2025 (general housing allowance applies only in exceptions, for...

  7. Glossary

    Vuokravakuus: rental deposit

    Security deposit required when renting an apartment in Finland, typically 1-3 months rent returned after lease ends.

    ...terms Vuokra-asunto (Rental Apartment): Rental housing in Finland Kotivakuutus (Home Insurance): Personal home insurance covering your belongings, liability, and potential damages in your Finnish...

  8. Glossary

    Autopaikka: parking space

    Building parking allocation in Finnish housing, including heated spaces and the application process.

    ...and managed resource, typically allocated by the housing company (taloyhtiö) through a queue system with a monthly rental fee. Detailed explanation Parking in Finnish residential buildings is...

  9. Glossary

    Finnish terms glossary: essential vocabulary for expats

    Finnish terms, abbreviations, and concepts for expats working and living in Finland. From Kela to HETU, understand it all.

    ...care Terveysasema: Public health center Housing & banking Setting up your life in Finland: Vuokra-asunto: Rental apartment Pankkitili: Bank account Culture & rights Finnish concepts and...

  10. Glossary

    Kiinteistövero (Property Tax)

    Annual property tax in Finland levied on land and buildings, set by each municipality.

    ...market value. Property tax is separate from any housing company maintenance charges (vastike) that apartment owners pay. Why it matters for internationals If you purchase property in Finland, you...

  11. Glossary

    Opintoraha (Student Grant)

    A monthly study grant from Kela for students in Finland who are enrolled in qualifying degree programs and make adequate progress.

    ...student loan), and possibly asumistuki (housing allowance). Together, these are designed to make higher education accessible without reliance on family wealth. The study grant amount depends...

  12. Glossary

    Opiskelija: student

    Student status in Finland and the benefits, rights, and working permissions it provides for internationals.

    ...student loan (up to 850 EUR/month) General housing allowance eligibility Daily life discounts: Subsidized student restaurant meals (3.10 EUR in 2026) Student-priced public transport passes...

  13. Glossary

    Osoitteenmuutos: address change

    The process of updating your address with various services and authorities when moving in Finland.

    ...providers Investment accounts Utilities and housing: Electricity provider Internet provider Previous landlord (for deposit return) New housing company (if applicable) Employment and education:...

  14. Glossary

    Sauna: sauna

    The Finnish sauna tradition, building saunas, and sauna etiquette that every international in Finland should know.

    ...Kerrostalo (Apartment Building): The most common housing type in Finnish cities, a multi-story residential building with shared facilities Taloyhtiö (Housing Company): Informal Finnish term for...

  15. Glossary

    Toimeentulotuki (Social Assistance)

    Last-resort financial aid from Kela for residents in Finland who cannot cover basic living expenses through other means.

    ...local transport, telephone, and personal hygiene. Housing costs (rent, water, heating) are covered separately. Kela calculates your entitlement by comparing your income and assets against the...

  16. Glossary

    Tutkinto: degree

    An academic or vocational qualification awarded upon completion of a study program in Finland.

    ...support for students including study grant, housing supplement, and loan guarantee DVV: The Digital and Population Data Services Agency

  17. Glossary

    Vastike: maintenance fee

    Monthly fee paid by apartment owners to cover building maintenance, repairs, and shared expenses in Finnish housing companies.

    ...fee that apartment owners pay to their housing company (taloyhtiö or asunto-osakeyhtiö). This fee covers the shared costs of building maintenance, administration, and common services....

  18. Glossary

    Yliopisto: university

    Research university in Finland offering academic degrees and conducting scientific research.

    ...support for students including study grant, housing supplement, and loan guarantee Degree (Tutkinto): An academic or vocational qualification awarded upon completion of a study program in...

  19. Glossary

    Äitiysloma: maternity leave

    Protected leave for birth mothers in Finland, part of the parental leave system with income-based benefits.

    ...benefits paid by Kela. Detailed explanation Finland's parental leave system was significantly reformed in 2022, creating one of the most equal parental leave systems in the world. The new system...

  20. Glossary

    Ajokortti (driving licence)

    The Finnish driving license: how to exchange a foreign license, get a new one, and what international residents need to know about driving in Finland.

    Ajokortti means driving license in Finland. If you move to Finland with a foreign driving license, you may need to exchange it for a Finnish one depending on where it was issued....

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