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  1. Glossary

    Ammattikorkeakoulu: university of applied sciences

    Professionally-oriented higher education institution offering practical degrees with strong industry connections.

    ...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...

  2. Glossary

    HSL (Helsinki regional transport)

    Helsinki's public transport authority managing buses, trams, metro, trains, and ferries in the capital region.

    ...app and announcements are available in English Housing decisions: Proximity to HSL connections affects rent prices and commute times Night services: Limited night buses run on weekends, important...

  3. Glossary

    Jätehuolto: waste management

    Finland's comprehensive waste sorting and recycling system that every resident must follow.

    ...failure to sort can result in warnings from your housing company Learning curve: The number of categories can be overwhelming at first; check your building's waste station for labels and instructions...

  4. Glossary

    Luottotiedot (Credit Record)

    Finnish credit information maintained by Suomen Asiakastieto, essential for loans, rental agreements, and certain employment.

    ...credit by default protect it carefully Rental housing: Most landlords check credit records before approving tenants Bank loans: A single default entry can prevent you from getting a mortgage or...

  5. Glossary

    Oikeusapu (Legal Aid)

    Free or subsidized legal assistance available to residents of Finland who cannot afford a private lawyer.

    ...disputes, residence permits, family law, or housing. Language barriers and unfamiliarity with the Finnish legal system can make legal matters especially challenging for newcomers. Legal aid...

  6. Glossary

    Opiskelijaliitto: student union

    Student unions in Finnish higher education that provide services, advocacy, and community for students.

    ...and meal discount stickers Legal counseling for housing and employment issues Tutoring programs for new students Study counseling and advocacy Community and culture: Welcome events and orientation...

  7. Glossary

    Pesuhuone: laundry room

    The shared laundry facilities in Finnish apartment buildings, with booking systems and etiquette rules.

    ...tablecloths. The equipment is maintained by the housing company and covered by the monthly vastike payment. Residents book their laundry time slots using a booking system - either a physical board...

  8. Glossary

    Strong authentication (bank IDs)

    A common way to log in to Finnish services using online banking credentials or a mobile ID.

    ...authentication for HR systems and payroll access Housing applications: Many municipal and private rental services require authenticated login How to get strong authentication Open a Finnish bank...

  9. Glossary

    Vuokrasopimus (Rental Agreement)

    The Finnish lease agreement for renting an apartment: key terms, tenant rights, and what international renters should know.

    ...(Security Deposit): deposit details Asumistuki (Housing Allowance): Kela housing benefit

  10. Glossary

    Alko (state alcohol monopoly)

    Finland's state-owned alcohol retail monopoly, the only store selling beverages over 8% ABV.

    ...by volume (and spirit-based drinks above 5.5%) in Finland. This means spirits and strong wines and beers can only be purchased from Alko stores - you will not find them in supermarkets. Alko operates...

  11. Glossary

    Ansiosidonnainen: earnings-related unemployment allowance

    Finland's highest unemployment benefit tier, paying 50-70% of previous salary to qualified unemployment fund members.

    ...is the earnings-related unemployment allowance in Finland. This is the highest tier of unemployment benefits, providing income-based support that replaces a significant portion of your previous salary...

  12. Glossary

    Arvonlisävero (VAT/ALV)

    Finland's value-added tax applied to goods and services, with rates of 25.5%, 13.5%, and 10%.

    Arvonlisävero Finland's value-added tax (VAT), abbreviated as ALV, applied to the sale of goods and services. What it means Arvonlisävero, commonly abbreviated as...

  13. Glossary

    Avantouinti (Ice Swimming)

    The Finnish tradition of swimming in a hole cut in winter ice, often combined with sauna, for health and wellness.

    ...attracts over 700,000 regular practitioners in Finland. Public avanto spots are maintained throughout winter at beaches, swimming halls, and sauna facilities across the country. Swimmers typically...

  14. Glossary

    DVV: population registry & Finnish ID services

    The Digital and Population Data Services Agency; handles population information and identity data services.

    DVV (Digi- ja väestötietovirasto) is Finland's Digital and Population Data Services Agency, responsible for managing population information and providing identity and registry-related...

  15. Glossary

    Elatustuki (Child Maintenance Support)

    A Kela benefit that ensures children receive financial support when a parent does not pay maintenance or the amount is insufficient.

    ...are not being honored. Detailed explanation In Finland, both parents are legally obligated to support their children financially. When parents separate, the non-custodial parent typically pays...

  16. Glossary

    Jokamiehen oikeudet (Everyman's Rights)

    Finland's right to roam: the legal right for everyone to access nature, forage, and enjoy the outdoors regardless of land ownership.

    ...to Roam") is a fundamental legal principle in Finland granting everyone - residents and visitors alike - the right to access and enjoy nature, even on privately owned land. These rights are among...

  17. Glossary

    Julkinen liikenne: public transport

    Finnish public transportation system including buses, trams, metro, trains, and ferries connecting cities and regions.

    ...liikenne means public transport in Finnish. Finland has a well-developed public transportation network, especially in urban areas, including buses, trams, metro, commuter trains, long-distance...

  18. Glossary

    Juna (Train)

    Finnish rail services operated by VR, connecting major cities with intercity and commuter trains.

    Juna Train services in Finland, primarily operated by VR (Valtion Rautatiet), the national railway company. What it means Juna means train, and VR operates Finland's rail...

  19. Glossary

    Kahvila (Cafe)

    Finnish cafe culture in the country with the world's highest coffee consumption per capita.

    Kahvila A cafe or coffee shop; Finland has the world's highest coffee consumption per capita, and cafes are central to daily life. What it means Kahvila means cafe, and Finnish...

  20. Glossary

    Kansalaisuus: citizenship

    Finnish citizenship granting full rights including voting, passport, and permanent residence in the EU.

    ...requiring several years of legal residence in Finland and meeting various conditions including language skills, identity verification, and good conduct. The Nationality Act (kansalaisuuslaki) sets...

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