Olen kylmä (Means more like I am a cold person)Minulla on kylmä (Means I am cold, as in I am not wearing enough clothes, therefore I am cold.)
Basically four types according to geography.
Mountainous - too cold during winter , and cold during summer.
Hill - Cold during winter and moderate during summer
Terai or plan part(border of India mostly) - too hot during summer and too cold during winter.
Valley - Moderate during summer and Moderate during winter.
Updated by Sasmit Pokharel