Loan and financing - personal customers

Residential mortgages

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.

Floating rate mortgage

Rates, Boliglån UNG (mortgage for young adults aged 18–34)

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Specification
Nominal interest rateEffective interest rate
Boliglån UNG for Premium Next customers 
4,10 % per year4,25 % per year1)
Boliglån UNG
4,34 % per year4,50 % per year2)


1)Effective interest rate of 4,25 % per year, kr 2.000.000 over 25 years. Cost: kr 3 222 944,00.
2)Effective interest rate of 4,50 % per year, kr 2.000.000 over 25 years. Cost: kr 3 303 440,00.

Rates, Premium customers

Applicable interest rates are contingent on an individual evaluation of your risk profile.

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Floating rate mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above4,20 % p.a.4,32 % p.a.
Kr 2.000.000 to kr 3.999.9994,24 % p.a.4,40 % p.a1)
Kr 0 to kr 1.999.9994,34 % p.a.4,50 % p.a2)

Prices assume a loan within 75% of housing value. The price is 0,10 %-points higher above 75 %.

1) Effective interest rate of 4,40 % per year, 2.000.000,- o/25 years. Total cost: kr 3 269 770,00
2) Effective interest rate of 4,50 % per year, 2.000.000,- o/25 years. Total cost: kr 3 303 440,00

Rates, floating-rate mortgage (standard)

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Floating rate mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above4,30 % p.a.4,42 % p.a.
Kr 2.000.000 to kr 3.999.9994,44 % p.a.4,61 % p.a1)
Kr 0 to kr 1.999.9994,70 % p.a.4,88 % p.a2)
Within 85% of market value

Kr 4.000.000 and above4,40 % p.a.4,53 % p.a.
Kr 2.000.000 to kr 3.999.9994,54 % p.a.4,71 % p.a.
Kr 0 to kr 1.999.9994,80 % p.a.4,98 % p.a.

1) Effective interest rate of 4,61 % per year, 2.000.000,- o/25 years. Total cost: kr 3 337 294,00
2) Effective interest rate of 4,88 % per year, 2.000.000,- o/25 years. Total cost: kr 3 426 172,00

Rates, Green mortgage

Specification
Nominal interest rateEffective interest rate
Within 75% of market value  
4,10 % p.a.
4,24 % p.a.1)
Within 85% of market value 3,95 % p.a.4,10 % p.a.

1)Effective interest rate of 4,24 % per year, kr 2.000.000 over 25 years. Cost: kr 3 219 744,00.

Compare our prices with other companies at Finansportalen.no

Fixed rate mortgage
Boligkreditt (home equity line of credit)
Byggekreditt (construction loan)
Interim financing
Loan promise mortgages
Other conditions, housing loans

Rates, Boliglån UNG (mortgage for young adults aged 18–34)

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Specification
Nominal interest rateEffective interest rate
Boliglån UNG for Premium Next customers 
4,10 % per year4,25 % per year1)
Boliglån UNG
4,34 % per year4,50 % per year2)


1)Effective interest rate of 4,25 % per year, kr 2.000.000 over 25 years. Cost: kr 3 222 944,00.
2)Effective interest rate of 4,50 % per year, kr 2.000.000 over 25 years. Cost: kr 3 303 440,00.

Rates, Premium customers

Applicable interest rates are contingent on an individual evaluation of your risk profile.

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Floating rate mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above4,20 % p.a.4,32 % p.a.
Kr 2.000.000 to kr 3.999.9994,24 % p.a.4,40 % p.a1)
Kr 0 to kr 1.999.9994,34 % p.a.4,50 % p.a2)

Prices assume a loan within 75% of housing value. The price is 0,10 %-points higher above 75 %.

1) Effective interest rate of 4,40 % per year, 2.000.000,- o/25 years. Total cost: kr 3 269 770,00
2) Effective interest rate of 4,50 % per year, 2.000.000,- o/25 years. Total cost: kr 3 303 440,00

Rates, floating-rate mortgage (standard)

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Floating rate mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above4,30 % p.a.4,42 % p.a.
Kr 2.000.000 to kr 3.999.9994,44 % p.a.4,61 % p.a1)
Kr 0 to kr 1.999.9994,70 % p.a.4,88 % p.a2)
Within 85% of market value

Kr 4.000.000 and above4,40 % p.a.4,53 % p.a.
Kr 2.000.000 to kr 3.999.9994,54 % p.a.4,71 % p.a.
Kr 0 to kr 1.999.9994,80 % p.a.4,98 % p.a.

1) Effective interest rate of 4,61 % per year, 2.000.000,- o/25 years. Total cost: kr 3 337 294,00
2) Effective interest rate of 4,88 % per year, 2.000.000,- o/25 years. Total cost: kr 3 426 172,00

Rates, Green mortgage

Specification
Nominal interest rateEffective interest rate
Within 75% of market value  
4,10 % p.a.
4,24 % p.a.1)
Within 85% of market value 3,95 % p.a.4,10 % p.a.

1)Effective interest rate of 4,24 % per year, kr 2.000.000 over 25 years. Cost: kr 3 219 744,00.

Compare our prices with other companies at Finansportalen.no

Rates, fixed-rate mortgage, UNG customers aged 18–34

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Fixed-rate period3 years5 years10 years
Nominal interest rate 1)4,56 % per year4,42 % per year4,37 % per year
Effective interest rate 2)4,73 % per year4,59 % per year4,53 % 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 4,73 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 330 509,00. 

Rates, fixed-rate mortgage, Premium customers

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Fixed-rate period3 years5 years10 years
Nominal interest rate 1)4,56 % per year4,42 % per year4,37 % per year
Effective interest rate 2)4,73 % per year4,59 % per year4,53 % 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 4,73 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 330 509,00.

Rates, fixed-rate mortgage (standard)

Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.

Fixed-rate period3 years5 years10 years
Nominal interest rate 1)4,61 % per year4,47 % per year4,42 % per year
Effective interest rate 2)4,78 % per year4,64 % per year4,59 % 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 4,78 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 347 486,00.

Rates, Green mortgage

Specification
Nominal interest rateEffective interest rate
Within 75% of market value  
4,10 % p.a.
4,24 % p.a.1)
Within 85% of market value 3,95 % p.a.4,10 % p.a.

1)Effective interest rate of 4,24 % per year, kr 2.000.000 over 25 years. Cost: kr 3 219 744,00.

Compare our prices with other companies at Finansportalen.no

Premium customers

Rates, Boligkreditt (home equity line of credit)
Nominal interest rateEffective interest rate with 80% of the credit drawn
Within 60% of the market value4,40 % per year4,57 % per year*

*)Effective interest rate of 4,57 % per year, kr 2.000.000,- over 25 years. Total cost: kr 3 325 230,00.

Standard rates

Rates, Boligkreditt (home equity line of credit)Nominal interest rateEffective interest rate with 80% of the credit drawn

Within 60% of the market value

4,60 % p.a.4,78 % p.a.*

*) Effective interest rate of 4,78 %, 2.000.000,- o/25 years, Total costs: kr 3 393 342,00

Byggekreditt (construction loan)

Rates and charges, Byggekreditt (construction loan)
SpecificationPrice/interest rate
Nominal interest rate7,50 % per year
Effective interest rate with 80% of the credit drawn9,94 % per year*
Commision per quarterMin. 0,33 %
Establishment feekr 6 000 - 20 000

*)Effective interest rate incl. fee of 9,94 % 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.

Loan promise mortgages

Price and conditions for finansieringsbevis
SpecificationPrice/conditions
Loan promisekr 0,00
Validity 6 months

Other fees

SpecificationPrice/interest rate
Establishment
Green mortgage (Grønt boliglån) kr 0,00
Boliglån UNG with BSU kr 500,00 
Boliglån UNG without BSUkr 2 500,00
Floating-rate home mortgage, home equity line of credit, fixed-rate home mortgage
kr 3 200,00
Increase of existing loan (refinancing)kr 3 200,00
Bridge loankr 1 000,00
Third party pledge*kr 1 000,00
Per collateral item (e.g. holiday property)kr 500,00
Instalment fee
Instalment fee / monthly fee**kr 65,00 
Changes
Maturity date, early repayment (floating-rate mortgage)kr 0,00
Simple changes (e.g. instalment-free period, reduced loan term) 
kr 500,00
Complex changes (e.g. fixed rate mortgage, change of collaterals / third party pledges)kr 750,00
Public changes
Pledge in residential real estateFrom kr 440,00 to kr 585,00
Late payment fee
Delayed interest rate9,25 % per year
Payment reminderkr 35,00
Debt collection noticekr 35,00
Standard compensation for collection costskr 400,00

*) Only one charge per loan.

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

Compare our prices with other companies at Finansportalen.no

Car and boat loans

Car loan

Car loan

Rates, car loan, Premium and Premium Next customers
Cash amountNominal interest rateEffective interest rate
Minimum 35%
4,90 % per year6,49 % per year*
20% - 35%5,75 % per year7,39 % per year
Up to 20% 6,75 % per year8,46 % per year
*)Effective interest rate of 6,49 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 175 260,00.
Rates, car loan with chattel mortgage (standard)
Cash amountNominal interest rateEffective interest rate
Minimum 35% 5,20 % per year6,87 % per year*
20% - 35%5,85 % per year7,65 % per year
Up to 20% 6,85 % per year8,62 % per year

*) Effective interest rate of 6,87 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 176 760,00.

Other conditions, car loans
SpecificationFees
Establishment feekr 2 200,00
Periodic feekr 60,00
Registration kr 1 516,00
kr 1 500,00 
kr 250,00 
kr 100,00 
Boat loan
Loan promise - car and boat

Car loan

Rates, car loan, Premium and Premium Next customers
Cash amountNominal interest rateEffective interest rate
Minimum 35%
4,90 % per year6,49 % per year*
20% - 35%5,75 % per year7,39 % per year
Up to 20% 6,75 % per year8,46 % per year
*)Effective interest rate of 6,49 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 175 260,00.
Rates, car loan with chattel mortgage (standard)
Cash amountNominal interest rateEffective interest rate
Minimum 35% 5,20 % per year6,87 % per year*
20% - 35%5,85 % per year7,65 % per year
Up to 20% 6,85 % per year8,62 % per year

*) Effective interest rate of 6,87 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 176 760,00.

Other conditions, car loans
SpecificationFees
Establishment feekr 2 200,00
Periodic feekr 60,00
Registration kr 1 516,00
kr 1 500,00 
kr 250,00 
kr 100,00 

Boat loan

Rates, boat loan in Nordea Finance
Cash amountNominal interest rateEffective interest rate
Minumum 35,00 %
5,35 % per year7,40 % per year*
20,00 % to 35,00 %
6,10 % per year8,20 % per year*

*)Effective interest rate of 7,40 % per year, annuity loan of kr 150.000 over 5 years. Total cost: kr 178 860,00.

Other conditions, boat loans
SpecificationPrice
Establishement feekr 3 500,00
Periodic feekr 60,00

Loan promise - car and boat

Price and conditions, loan promise
SpecificationPrice/conditions
Loan promisekr 0,00
Validity1 month

Consumer loans and overdraft facility

Forbrukslån (consumer loan)

Rates and charges, Forbrukslån (consumer loan)

We currently offer a nominal interest rate from 6,99 %. Applicable interest rates are contingent on an individual evaluation of your risk profile.


Loan AmountNominal interest rate
Effective interest rate
10 000 - 500 000 krFrom 6,99 % up to 14,00 % p.a.From 8,17 % up to  15,90 % p.a.
Other conditions, consumer loan
Specification
Price
Establishment fee
kr 950,00
Establishment fee for existing consumer loan customerskr 950,00
Periodic fee per loankr 50,00
Change of duedate kr 250,00 at a time
Reminder feekr 35,00 per loan


Loan Example:  
kr 160 000,00 over 5 years, nominal interest rate of 10,90 % / effective interest rate of 12,40 %, establishment fee of kr 950,00, cost kr 53 986,00, Total cost: kr 213 986,00.

Kontokreditt (overdraft facility)
Aksjehandelskreditt (line of credit for share trading)

Rates and charges, Forbrukslån (consumer loan)

We currently offer a nominal interest rate from 6,99 %. Applicable interest rates are contingent on an individual evaluation of your risk profile.


Loan AmountNominal interest rate
Effective interest rate
10 000 - 500 000 krFrom 6,99 % up to 14,00 % p.a.From 8,17 % up to  15,90 % p.a.
Other conditions, consumer loan
Specification
Price
Establishment fee
kr 950,00
Establishment fee for existing consumer loan customerskr 950,00
Periodic fee per loankr 50,00
Change of duedate kr 250,00 at a time
Reminder feekr 35,00 per loan


Loan Example:  
kr 160 000,00 over 5 years, nominal interest rate of 10,90 % / effective interest rate of 12,40 %, establishment fee of kr 950,00, cost kr 53 986,00, Total cost: kr 213 986,00.

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.