Loan and financing - personal customers
Guideline prices of housing loans
Your interest rate will be based on an individual assessment of your security, the size of the loan and your repayment ability.
Our guideline prices of housing loans are listed below.
Rates, Boliglån UNG (mortgage for young adults aged 18–34)
Normally you must have a minimum of 10 % equity. Possibility to borrow over 90 % of property value with additional security.
| Specification
| Nominal interest rate | Effective interest rate |
| Boliglån UNG for Premium Next customers
| 5,85 % per year | 6,08 % per year1) |
| Boliglån UNG
| 5,85 % per year | 6,08 % per year2) |
1)Effective interest rate of 6,08 % per year, kr 2.000.000 over 25 years. Cost: kr 3 833 681,00.
2)Effective interest rate of 6,08 % per year, kr 2.000.000 over 25 years. Cost: kr 3 833 681,00.
Rates, Premium customers
Applicable interest rates are contingent on an individual evaluation of your risk profile.
Normally you must have a minimum of 10 % equity. Possibility to borrow over 90 % of property value with additional security.
| Floating rate mortgage | Nominal interest rate | Effective interest rate |
| Within 75% of market value | ||
| Kr 4.000.000 and above | 6,09 % p.a. | 6,30 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 6,15 % p.a. | 6,40 % p.a1) |
| Kr 0 to kr 1.999.999 | 6,34 % p.a. | 6,60 % p.a2) |
| Within 85% of market value | ||
| Kr 4.000.000 and above | 6,19 % p.a. | 6,41 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 6,25 % p.a. | 6,51 % p.a. |
| Kr 0 to kr 1.999.999 | 6,44 % p.a. | 6,71 % p.a. |
1) Effective interest rate of 6,40 % per year, 2.000.000,- o/25 years. Total cost: kr 3 943 710,00
2) Effective interest rate of 6,60 % per year, 2.000.000,- o/25 years. Total cost: kr 4 014 162,00
Rates, floating-rate mortgage (standard)
Normally you must have a minimum of 10 % equity. Possibility to borrow over 90 % of property value with additional security.
| Floating rate mortgage | Nominal interest rate | Effective interest rate |
| Within 75% of market value | ||
| Kr 4.000.000 and above | 6,09 % p.a. | 6,30 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 6,15 % p.a. | 6,40 % p.a1) |
| Kr 0 to kr 1.999.999 | 6,34 % p.a. | 6,60 % p.a2) |
| Within 85% of market value | ||
| Kr 4.000.000 and above | 6,19 % p.a. | 6,41 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 6,25 % p.a. | 6,51 % p.a. |
| Kr 0 to kr 1.999.999 | 6,44 % p.a. | 6,71 % p.a. |
1) Effective interest rate of 6,40 % per year, 2.000.000,- o/25 years. Total cost: kr 3 943 710,00
2) Effective interest rate of 6,60 % per year, 2.000.000,- o/25 years. Total cost: kr 4 014 162,00
Other fees
| Specification | Price/interest rate |
| Establishment fee with BSU (home savings scheme for persons under the age of 34) | kr 500,00
|
| Establishment fee Green mortgage (Grønt boliglån) | kr 500,00 |
| Establishment fee | kr 3 500,00
|
| Instalment fee / monthly fee* | kr 65,00
|
| Change of loan structure | kr 500,00
|
| Early repayment (floating-rate mortgage) | kr 0,00
|
| Interest on late payments | 10,75 % per year |
*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.
Rates, fixed-rate mortgage, UNG customers aged 18–34
Normally you must have a minimum of 10 % equity. Possibility to borrow over 90 % of property value with additional security.
| Fixed-rate period | 3 years | 5 years | 10 years |
| Nominal interest rate 1) | 4,94 % per year | 4,89 % per year | 4,84 % per year |
| Effective interest rate 2) | 5,13 % per year | 5,08 % per year | 5,02 % per year |
1) We reserve the right to change the interest rate. The interest rate is determined on the day the loan is paid out.
2) Effective interest rate of 5,13 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 491 895,00.
Rates, fixed-rate mortgage, Premium customers
Normally you must have a minimum of 10 % equity. Possibility to borrow over 90 % of property value with additional security.
| Fixed-rate period | 3 years | 5 years | 10 years |
| Nominal interest rate 1) | 4,94 % per year | 4,89 % per year | 4,84 % per year |
| Effective interest rate 2) | 5,13 % per year | 5,08 % per year | 5,02 % per year |
1) We reserve the right to change the interest rate. The interest rate is determined on the day the loan is paid out.
2) Effective interest rate of 5,13 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 491 895,00.
Rates, fixed-rate mortgage (standard)
Normally you must have a minimum of 10 % equity. Possibility to borrow over 90 % of property value with additional security.
| Fixed-rate period | 3 years | 5 years | 10 years |
| Nominal interest rate 1) | 4,99 % per year | 4,94 % per year | 4,89 % per year |
| Effective interest rate 2) | 5,18 % per year | 5,13 % per year | 5,08 % per year |
1) We reserve the right to change the interest rate. The interest rate is determined on the day the loan is paid out.
2) Effective interest rate of 5,18 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 509 298,00.
| Specification | Price/interest rate |
| Establishment fee with BSU (home savings scheme for persons under the age of 34) | kr 500,00
|
| Establishment fee Green mortgage (Grønt boliglån) | kr 500,00 |
| Establishment fee | kr 3 500,00
|
| Instalment fee / monthly fee* | kr 65,00
|
| Change of loan structure | kr 500,00
|
| Early repayment (floating-rate mortgage) | kr 0,00
|
| Interest on late payments | 10,75 % per year |
*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.
Premium customers
| Rates, Boligkreditt (home equity line of credit)
| Nominal interest rate | Effective interest rate with 80% of the credit drawn |
| Within 60% of the market value | 6,15 % per year | 6,41 % per year* |
*)Effective interest rate of 6,41 % per year, kr 2.000.000,- over 25 years. Total cost: kr 3 945 210,00.
Standard rates
| Rates, Boligkreditt (home equity line of credit) | Nominal interest rate | Effective interest rate with 80% of the credit drawn |
Within 60% of the market value | 6,15 % p.a. | 6,41 % p.a.* |
*) Effective interest rate of 6,41 %, 2.000.000,- o/25 years, Total costs: kr 3 945 210,00
| Specification | Price/interest rate |
| Establishment fee with BSU (home savings scheme for persons under the age of 34) | kr 500,00
|
| Establishment fee Green mortgage (Grønt boliglån) | kr 500,00 |
| Establishment fee | kr 3 500,00
|
| Instalment fee / monthly fee* | kr 65,00
|
| Change of loan structure | kr 500,00
|
| Early repayment (floating-rate mortgage) | kr 0,00
|
| Interest on late payments | 10,75 % per year |
*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.
Byggekreditt (construction loan)
| Specification | Price/interest rate |
| Nominal interest rate | 8,00 % per year |
| Effective interest rate with 80% of the credit drawn | 10,46 % per year* |
| Commision per quarter | Min. 0,33 % |
| Establishment fee | Min. kr 6 000,00 |
*)Effective interest rate incl. fee of 10,46 % per year The example is based on a credit limit of kr 2.000.000 with 80% of the credit drawn, a commission of 0,33 % per quarter and an establishment fee of kr 6 000,00. The loan period is 1 year.
Interim financing
| Specification |
| Prices on request. |
Proof of funds
| Specification | Price/conditions |
| Proof of funds | kr 0,00
|
| Validity | 6 months |
Car loan
| Cash amount | Nominal interest rate | Effective interest rate |
| Minimum 35%
| 6,35 % per year | 8,09 % per year*
|
| 20% - 35% | 7,05 % per year | 8,84 % per year |
| Up to 20% | 8,15 % per year | 10,02 % per year |
| Cash amount | Nominal interest rate | Effective interest rate |
| Minimum 35% | 6,40 % per year | 8,23 % per year* |
| 20% - 35% | 7,20 % per year | 9,09 % per year |
| Up to 20% | 8,20 % per year | 10,17 % per year |
*) Effective interest rate of 8,23 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 500,00. Total cost: kr 182 200,00.
| Specification | Price |
| Insurance premium - per month of the original loan amount, including costs (comes in addition to the interest on the loan). | 8,00 % |
| Specification | Fees |
| Establishment fee | kr 2 500,00
|
| Periodic fee | kr 60,00
|
| Registration | kr 1 847,00 |
| kr 1 500,00 | |
| kr 250,00 | |
| kr 100,00 |
Boat loan - Applications for new boat loans are temporarily unavailable
| Specification | Price |
| Establishement fee | kr 3 500,00
|
| Periodic fee | kr 60,00 |
Proof of funds
| Specification | Price/conditions |
| Proof of funds | kr 0,00
|
| Validity | 6 months |
Forbrukslån (consumer loan)
| Specification | Price/interest rate |
| Nominal interest rate | 10,90 % per year |
| Effective interest rate | 12,44 % per year* |
| Periodic fee | kr 52 199,00
|
| Establishment fee | kr 950,00
|
*) Effective interest rate of 12,44 % per year, NOK 65,000 over 5 years, including an establishment fee of kr 950,00. Total cost: kr 212 199,00.
Kontokreditt (overdraft facility)
| Specification | Price/interest rates |
| Nominal interest rate | 12,90 % per year |
| Effective interest rate with 80% of the credit drawn | 15,58 % per year* |
| Commission per quarter | 0,25 % min. kr 50,00 |
*) Effective interest rate of 15,58 %, per year, kr 30.000 over 5 years, including an establishment fee of kr 500,00. Total cost: kr 47 480,00.
| Specification | Price/interest rates |
| Nominal interest rate | 18,50 % per year |
| Effective interest rate with 80% of the credit drawn | 22,03 % per year* |
| Commssion per quarter | 0,25 % min. kr 50,00 |
*) Effective interest rate 22,03%, kr 30.000,- , for 5 years, establishment fee kr 500,00. Total amount: kr 54 200,00.
