Loan and financing - personal customers

Residential mortgages Car and boat loans Consumer loans and overdraft facility Residential mortgages

Floating rate mortgage

Rates, Boliglån UNG (mortgage for young adults aged 18–34)
Within  85,00 % of purchase price
Nominal interest rateEffective interest rate
Boliglån UNG Premium
1,99 % per year2,06 % per year*
Boliglån UNG Utdanning
1,99 % per year2,06 % per year*
Boliglån UNG
2,25 % per year2,34 % per year**

*)Effective interest rate of 2,06 % per year, kr 2.000.000 over 25 years. Cost: kr 2 555 199,00.

*)Effective interest rate of 2,34 % per year, kr 2.000.000 over 25 years. Cost: kr 2 636 284,00.

Rates, floating-rate mortgage, Premium customers
Within 75,00 % of the market value
Nominal interest rateEffective interest rate
Regardless of loan amount2,20 % per year2,28 % per year*

*)Effective interest rate of 2,28 % per year, kr 2.000.000 over 25 years. Total cost: kr 2 618 966,00.

Rates, floating-rate mortgage
Within 75,00 % of market value
Nominal interest rateEffective interest rate
kr 2.000.000 and over2,55 % per year2,66 % per year*
kr 0 up to kr 2.000.0002,65 % per year2,84 % per year
*)Effective interest rate of 2,66 % per year,  kr 2.000.000 over 25 years. Total cost: kr 2 728 834,00.

Other terms and charges, residential mortgages
SpecificationPrice/interest rate
Minimum establishment fee with BSU (home savings scheme for persons under the age of 34)kr 0,00
Minimum establishment feekr 2 500,00
Minimum instalment fee / monthly fee*kr 65,00
Change of loan structurekr 500,00
Early repayment (floating-rate mortgage)kr 0,00
Interest on late payments8,75 % per year

*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.

Fixed rate mortgage

Rates, fixed-rate mortgage, UNG customers aged 18–34, within 85% of the market value
Fixed-rate period3 years5 years10 years
Nominal interest rate 1)1,95 % per year2,30 % per year2,95 % per year
Effective interest rate 2)2,04 % per year2,39 % per year3,05 % 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 2,04 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 2 548 053,00. 

Rates, fixed-rate mortgage, Premium customers, within 75% of the market value
Fixed-rate period3 years5 years10 years
Nominal interest rate 1)1,95 % per year2,30 % per year2,95 % per year
Effective interest rate 2)2,03 % per year2,39 % per year3,05 % 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 2,03 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 2 545 553,00.

Rates, fixed-rate mortgage within 75% of the market value
Fixed-rate period3 years5 years10 years
Nominal interest rate 1)2,15 % per year2,40 % per year3,05 % per year
Effective interest rate 2)2,25 % per year2,50 % per year3,17 % 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 2,25 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 2 609 164,00.

Other terms and charges, residential mortgages
SpecificationPrice/interest rate
Minimum establishment fee with BSU (home savings scheme for persons under the age of 34)kr 0,00
Minimum establishment feekr 2 500,00
Minimum instalment fee / monthly fee*kr 65,00
Change of loan structurekr 500,00
Early repayment (floating-rate mortgage)kr 0,00
Interest on late payments8,75 % per year

*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.

Boligkreditt (home equity line of credit)

Rates, Boligkreditt (home equity line of credit), Premium customers
Within 70,00 % of the market value
Nominal interest rateEffective interest rate
Regardless of loan amount2,45 % per year2,52 % per year*

*)Effective interest rate of 2,52 % per year, kr 2.000.000,- over 25 years. Total cost: kr 2 597 000,00.

Rates, Boligkreditt (home equity line of credit)
Within 70,00 % of the market value
Nominal interest rateEffective interest rate with 80% of the credit drawn
kr 2.000.000 and above2,65 % per year2,74 % per year*
kr 100.000 up to kr 2.000.0002,75 % per year2,84 % per year

*) Effective interest rate of 2,73% per year, kr 2.000.000,- over 25 years, Total cost: kr 2 682 000,00.

Other terms and charges, residential mortgages
SpecificationPrice/interest rate
Minimum establishment fee with BSU (home savings scheme for persons under the age of 34)kr 0,00
Minimum establishment feekr 2 500,00
Minimum instalment fee / monthly fee*kr 65,00
Change of loan structurekr 500,00
Early repayment (floating-rate mortgage)kr 0,00
Interest on late payments8,75 % per year

*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.

Byggekreditt (construction loan)

Rates and charges, Byggekreditt (construction loan)
SpecificationPrice/interest rate
Nominal interest rate6,10 % per year
Effective interest rate with 80% of the credit drawn8,47 % per year*
Commision per quarterMin. 0,33 %
Establishment feeMin. kr 6 000,00

*)Effective interest rate incl. fee of 8,47 % 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

Rates, interim financing
Specification
Prices on request.

Proof of funds

Price and conditions for finansieringsbevis
SpecificationPrice/conditions
Proof of fundskr 0,00
Validity 3 months
Car and boat loans

Car loan

Rates, car loan, Premium customers
SpesificationNominal interest rateEffective interest rate
Interest rate regardless of loan amount and equityFrom 4,70 % per yearFrom 6,66 % per year*
*)Effective interest rate of 6,66 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 175 500,00.

Rates, car loan with chattel mortgage
SpecificationNominal interest rateEffective interest rate
Interest rate with a minimum cash amount of 20% 4,70 % per year6,66 % per year*
Interest rate with a cash amount of up to 20% 5,95 % per year7,98 % per year

*) Effective interest rate of 6,66 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 175 980,00.

Price, payment protection insurance
SpecificationPrice
Insurance premium - per month of the original loan amount, including costs (comes in addition to the interest on the loan).0,17 %

Other conditions, car loans
SpecificationFees
Establishment feekr 2 000,00
Periodic feekr 85,00
Registration kr 1 516,00

Boat loan

Rates, boat loan in Nordea Finans
SpecificationNominal interest rateEffective interest rate
Interest rate on a loan of up to 80,00 % of the purchase price
6,45 % per year8,60 % per year*

*)Effective interest rate of 8,60 % per year, annuity loan of kr 150.000 over 5 years. Total cost: kr 183 660,00.

Other conditions, boat loans
SpecificationPrice
Establishement feekr 2 300,00
Periodic feekr 85,00

Proof of funds

Price and conditions, proof of funds
SpecificationPrice/conditions
Proof of fundskr 0,00
Validity3 months
Consumer loans and overdraft facility

Forbrukslån (consumer loan)

Rates and charges, Forbrukslån (consumer loan)
SpecificationPrice/interest rate
Nominal interest rate14,50 % per year
Effective interest rate18,52 % per year*
Periodic feekr 65,00
Establishment feekr 1 000,00

*) Effective interest rate of 18,52 % per year, NOK 65,000 over 5 years, including an establishment fee of kr 1 000,00. Total cost: kr 96 657,00.

Kontokreditt (overdraft facility)

Rates and charges, Kontokreditt (overdraft facility), Premium customers
SpecificationPrice/interest rates
Nominal interest rate12,90 % per year
Effective interest rate with 80% of the credit drawn15,58 % per year*
Commission per quarter0,25 % 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.

Rates and charges, Kontokreditt (overdraft facility)
SpecificationPrice/interest rates
Nominal interest rate18,50 % per year
Effective interest rate with 80% of the credit drawn22,03 % per year*
Commssion per quarter0,25 % 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.

Aksjehandelskreditt (line of credit for share trading)

Rates and charges, Aksjehandelskreditt (line of credit for share trading)
Specification Price/interest rates
Nominal interest rate 6,00 % per year
Effective interest rate6,14 % per year*
Commission0,00 % per year
Establishment feekr 0,00

*)Effective interest rate on a loan of kr 500.000 with quarterly capitalisation and a loan period of 1 year. The calculations include a commission of 0,00 % and an establishment fee of kr 0,00.

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