Kamatjövedelem

Kamatjövedelem is a term used in Finnish discussions to describe income earned from one’s personal belongings and household goods, rather than from wages, investments, or formally organized business activities. It refers to small‑scale, informal earnings that arise from using, selling, or renting items that the person originally owned for private use.

The concept covers activities such as selling second‑hand items through garage sales or online marketplaces, renting out tools or equipment, and occasionally providing services related to personal possessions (for example lending a camera or musical instrument). Because the items are typically acquired for private use and the scale of activity is modest, such income is usually not treated as a formal business. The exact treatment depends on whether the activity is truly occasional or becomes regular and commercial.

Tax and regulatory considerations vary by jurisdiction, but in general kamatjövedelem is distinguished from wages and from capital or business income. Occasional sales of personal belongings often have favorable tax treatment or are exempt, whereas repetitive, organized selling or renting can be treated as entrepreneurial income and may be subject to income tax and potentially value‑added tax. Clear records of purchases, sales, and expenses help determine the proper classification and taxation. People engaging in such activities are advised to consult local tax authorities or a tax professional for guidance on reporting requirements and thresholds.

Examples include selling used furniture, renting out household tools, or leasing a seldom-used camera to others on a short‑term basis.