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.
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.
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.
Specification
| Nominal interest rate | Effective interest rate |
Boliglån UNG for Premium Next customers
| 2,35 % per year | 2,46 % per year1) |
Boliglån UNG
| 2,59 % per year | 2,70 % per year2) |
1)Effective interest rate of 2,46 % per year, kr 2.000.000 over 25 years. Cost: kr 2 669 300,00.
2)Effective interest rate of 2,70 % per year, kr 2.000.000 over 25 years. Cost: kr 2 741 676,00.
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 mortgage | Nominal interest rate | Effective interest rate |
Within 75% of market value | ||
Kr 4.000.000 and above | 2,45 % p.a. | 2,52 % p.a. |
Kr 2.000.000 to kr 3.999.999 | 2,49 % p.a. | 2,60 % p.a1) |
Kr 0 to kr 1.999.999 | 2,59 % p.a. | 2,70 % 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 2,60 % per year, 2.000.000,- o/25 years. Total cost: kr 2 711 380,00
2) Effective interest rate of 2,70 % per year, 2.000.000,- o/25 years. Total cost: kr 2 741 676,00
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% 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 | 2,55 % p.a. | 2,62 % p.a. |
Kr 2.000.000 to kr 3.999.999 | 2,69 % p.a. | 2,80 % p.a1) |
Kr 0 to kr 1.999.999 | 2,95 % p.a. | 3,07 % p.a2) |
Within 85% of market value | ||
Kr 4.000.000 and above | 2,65 % p.a. | 2,72 % p.a. |
Kr 2.000.000 to kr 3.999.999 | 2,79 % p.a. | 2,91 % p.a. |
Kr 0 to kr 1.999.999 | 3,05 % p.a. | 3,17 % p.a. |
1) Effective interest rate of 2,80 % per year, 2.000.000,- o/25 years. Total cost: kr 2 772 172,00
2) Effective interest rate of 3,07 % per year, 2.000.000,- o/25 years. Total cost: kr 2 852 389,00
Specification
| Nominal interest rate | Effective interest rate |
Within 75% of market value
| 2,35 % p.a.
| 2,46 % p.a.1)
|
Within 85% of market value | 2,45 % p.a. | 2,56 % p.a. |
1)Effective interest rate of 2,46 % per year, kr 2.000.000 over 25 years. Cost: kr 2 669 300,00.
Compare our prices with other companies at Finansportalen.no
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.
Specification
| Nominal interest rate | Effective interest rate |
Boliglån UNG for Premium Next customers
| 2,35 % per year | 2,46 % per year1) |
Boliglån UNG
| 2,59 % per year | 2,70 % per year2) |
1)Effective interest rate of 2,46 % per year, kr 2.000.000 over 25 years. Cost: kr 2 669 300,00.
2)Effective interest rate of 2,70 % per year, kr 2.000.000 over 25 years. Cost: kr 2 741 676,00.
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 mortgage | Nominal interest rate | Effective interest rate |
Within 75% of market value | ||
Kr 4.000.000 and above | 2,45 % p.a. | 2,52 % p.a. |
Kr 2.000.000 to kr 3.999.999 | 2,49 % p.a. | 2,60 % p.a1) |
Kr 0 to kr 1.999.999 | 2,59 % p.a. | 2,70 % 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 2,60 % per year, 2.000.000,- o/25 years. Total cost: kr 2 711 380,00
2) Effective interest rate of 2,70 % per year, 2.000.000,- o/25 years. Total cost: kr 2 741 676,00
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% 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 | 2,55 % p.a. | 2,62 % p.a. |
Kr 2.000.000 to kr 3.999.999 | 2,69 % p.a. | 2,80 % p.a1) |
Kr 0 to kr 1.999.999 | 2,95 % p.a. | 3,07 % p.a2) |
Within 85% of market value | ||
Kr 4.000.000 and above | 2,65 % p.a. | 2,72 % p.a. |
Kr 2.000.000 to kr 3.999.999 | 2,79 % p.a. | 2,91 % p.a. |
Kr 0 to kr 1.999.999 | 3,05 % p.a. | 3,17 % p.a. |
1) Effective interest rate of 2,80 % per year, 2.000.000,- o/25 years. Total cost: kr 2 772 172,00
2) Effective interest rate of 3,07 % per year, 2.000.000,- o/25 years. Total cost: kr 2 852 389,00
Specification
| Nominal interest rate | Effective interest rate |
Within 75% of market value
| 2,35 % p.a.
| 2,46 % p.a.1)
|
Within 85% of market value | 2,45 % p.a. | 2,56 % p.a. |
1)Effective interest rate of 2,46 % per year, kr 2.000.000 over 25 years. Cost: kr 2 669 300,00.
Compare our prices with other companies at Finansportalen.no
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.
Fixed-rate period | 3 years | 5 years | 10 years |
Nominal interest rate 1) | 3,99 % per year | 4,05 % per year | 4,05 % per year |
Effective interest rate 2) | 4,14 % per year | 4,20 % per year | 4,20 % 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 4,14 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 206 309,00.
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.
Fixed-rate period | 3 years | 5 years | 10 years |
Nominal interest rate 1) | 3,99 % per year | 4,05 % per year | 4,05 % per year |
Effective interest rate 2) | 4,14 % per year | 4,20 % per year | 4,20 % 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 4,14 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 206 309,00.
Normally you must have a minimum of 15% equity. Possibility to borrow over 85% of property value with additional security.
Fixed-rate period | 3 years | 5 years | 10 years |
Nominal interest rate 1) | 4,05 % per year | 4,10 % per year | 4,10 % per year |
Effective interest rate 2) | 4,20 % per year | 4,25 % per year | 4,25 % 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 4,20 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 222 944,00.
Specification
| Nominal interest rate | Effective interest rate |
Within 75% of market value
| 2,35 % p.a.
| 2,46 % p.a.1)
|
Within 85% of market value | 2,45 % p.a. | 2,56 % p.a. |
1)Effective interest rate of 2,46 % per year, kr 2.000.000 over 25 years. Cost: kr 2 669 300,00.
Compare our prices with other companies at Finansportalen.no
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 | 2,65 % per year | 2,77 % per year* |
*)Effective interest rate of 2,77 % per year, kr 2.000.000,- over 25 years. Total cost: kr 2 761 450,00.
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 | 2,85 % p.a. | 2,97 % p.a.* |
*) Effective interest rate of 2,97 %, 2.000.000,- o/25 years, Total costs: kr 2 822 878,00
Specification | Price/interest rate |
Nominal interest rate | 6,00 % per year |
Effective interest rate with 80% of the credit drawn | 8,32 % per year* |
Commision per quarter | Min. 0,33 % |
Establishment fee | kr 6 000 - 20 000 |
*)Effective interest rate incl. fee of 8,32 % 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.
Specification |
Prices on request. |
Specification | Price/conditions |
Proof of funds | kr 0,00
|
Validity | 3 months |
Specification | Price/interest rate |
Establishment | |
Green mortgage (Grønt boliglån) | kr 0,00
|
Boliglån UNG with BSU | kr 500,00
|
Boliglån UNG without BSU | kr 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 loan | kr 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 estate | From kr 440,00 to kr 585,00 |
Late payment fee | |
Interest on late payments | 8,00 % per year |
*) 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
Cash amount | Nominal interest rate | Effective interest rate |
Minimum 35%
| 3,10 % per year | 4,62 % per year*
|
20% - 35% | 3,75 % per year | 5,29 % per year |
Up to 20% | 4,70 % per year | 6,28 % per year |
Cash amount | Nominal interest rate | Effective interest rate |
Minimum 35% | 3,20 % per year | 4,78 % per year* |
20% - 35% | 3,85 % per year | 5,45 % per year |
Up to 20% | 4,85 % per year | 6,50 % per year |
*) Effective interest rate of 4,78 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 168 480,00.
Specification | Fees |
Establishment fee | kr 2 200,00
|
Periodic fee | kr 60,00
|
Registration | kr 1 516,00 |
kr 1 500,00 | |
kr 250,00 | |
kr 100,00 |
Cash amount | Nominal interest rate | Effective interest rate |
Minimum 35%
| 3,10 % per year | 4,62 % per year*
|
20% - 35% | 3,75 % per year | 5,29 % per year |
Up to 20% | 4,70 % per year | 6,28 % per year |
Cash amount | Nominal interest rate | Effective interest rate |
Minimum 35% | 3,20 % per year | 4,78 % per year* |
20% - 35% | 3,85 % per year | 5,45 % per year |
Up to 20% | 4,85 % per year | 6,50 % per year |
*) Effective interest rate of 4,78 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 168 480,00.
Specification | Fees |
Establishment fee | kr 2 200,00
|
Periodic fee | kr 60,00
|
Registration | kr 1 516,00 |
kr 1 500,00 | |
kr 250,00 | |
kr 100,00 |
Cash amount | Nominal interest rate | Effective interest rate |
Minumum 35,00 %
| 4,10 % per year | 6,08 % per year* |
20,00 % to 35,00 %
| 4,85 % per year | 6,87 % per year* |
*)Effective interest rate of 6,08 % per year, annuity loan of kr 150.000 over 5 years. Total cost: kr 173 640,00.
Specification | Price |
Establishement fee | kr 3 500,00
|
Periodic fee | kr 60,00 |
Specification | Price/conditions |
Proof of funds | kr 0,00
|
Validity | 3 months |
We currently offer a nominal interest rate from 6,99 %. Applicable interest rates are contingent on an individual evaluation of your risk profile.
Loan Amount | Nominal interest rate
| Effective interest rate
|
10 000 - 500 000 kr | From 6,99 % up to 21,40 % p.a. | From 7,55 % up to 23,95 % p.a. |
Specification
| Price |
Establishment fee
| kr 950,00
|
Establishment fee for existing consumer loan customers | kr 650,00
|
Periodic fee per loan | kr 50,00
|
Instalment free /monthly free | kr 250,00 at a time |
Change of duedate | kr 250,00 at a time |
Reminder fee | kr 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.
We currently offer a nominal interest rate from 6,99 %. Applicable interest rates are contingent on an individual evaluation of your risk profile.
Loan Amount | Nominal interest rate
| Effective interest rate
|
10 000 - 500 000 kr | From 6,99 % up to 21,40 % p.a. | From 7,55 % up to 23,95 % p.a. |
Specification
| Price |
Establishment fee
| kr 950,00
|
Establishment fee for existing consumer loan customers | kr 650,00
|
Periodic fee per loan | kr 50,00
|
Instalment free /monthly free | kr 250,00 at a time |
Change of duedate | kr 250,00 at a time |
Reminder fee | kr 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.
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.
Specification | Price/interest rates |
Nominal interest rate | 6,00 % per year |
Effective interest rate | 6,14 % per year* |
Commission | 0,00 % per year |
Establishment fee | kr 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.