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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.
Loan and financing - personal customers
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) |
Prices assume a loan within 75% of housing value. The price is 0,10 %-points higher above 75 %.
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
Rates, Green mortgage
| Specification
| Nominal interest rate | Effective interest rate |
| Within 75% of market value
| 5,44 % p.a.
| 5,64 % p.a.1)
|
Prices assume a loan within 75% of housing value. The price is 0,10 %-points higher above 75 %.
1)Effective interest rate of 5,64 % per year, kr 2.000.000 over 25 years. Cost: kr 3 682 557,00. Applies only to A- and B energy-rated homes.Compare our prices with other companies at Finansportalen.no
Rates, Green mortgage
| Specification
| Nominal interest rate | Effective interest rate |
| Within 75% of market value
| 5,44 % p.a.
| 5,64 % p.a.1)
|
Prices assume a loan within 75% of housing value. The price is 0,10 %-points higher above 75 %.
1)Effective interest rate of 5,64 % per year, kr 2.000.000 over 25 years. Cost: kr 3 682 557,00. Applies only to A- and B energy-rated homes.Compare our prices with other companies at Finansportalen.no
Prices for Energy-saving loan
| Indicative interest rates for Energy-saving loan | Nominal interest rate | Effective interest rate |
| Within 85% of property value | 5,44 % p.a. | 5,60 % p.a.*) |
| Other costs for Energy-saving loan | Price |
| Establishment fee | kr 1 000,00 |
| Periodic fee | kr 0,00 |
| Establish a new collateral or increase the loan limit for an existing collateral | kr 440,00 - kr 585,00 |
*)Eff. rate 5,60 % p.a., kr 500 000,00 o/25 years. Total costs: kr 916 764,00.
Compare our prices with other companies at Finansportalen.noÅpnes i nytt vindu
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) | 4,84 % per year | 4,79 % per year | 4,84 % per year |
| Effective interest rate 2) | 5,02 % per year | 4,97 % 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 5,02 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 457 223,00.
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) | 4,84 % per year | 4,79 % per year | 4,84 % per year |
| Effective interest rate 2) | 5,02 % per year | 4,97 % 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 5,02 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 457 223,00.
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) | 4,89 % per year | 4,84 % per year | 4,89 % per year |
| Effective interest rate 2) | 5,08 % per year | 5,02 % 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 5,08 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 474 536,00.
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
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 | kr 6 000 - 20 000 |
*)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. |
Loan promise mortgages
| Specification | Price/conditions |
| Loan promise | kr 0,00
|
| Validity | 6 months |
Other fees
| 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 3 500,00
|
| Increase of existing loan (refinancing) | kr 3 500,00 |
| Bridge loan | kr 5 000,00 |
| 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 545,00 to kr 585,00 |
| Late payment fee | |
| Delayed interest rate | 10,75 % per year |
| Payment reminder | kr 35,00 |
| Debt collection notice | kr 35,00 |
| Standard compensation for collection costs | kr 105,00 |
*) 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
| 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 | Fees |
| Establishment fee | kr 2 500,00
|
| Periodic fee | kr 60,00
|
| Registration | kr 1 491,00 |
| Change of collateral | kr 1 500,00 |
| Copy of invoice / transaction overview | kr 250,00 |
| Copy of annual report | kr 100,00 |
Boat loan
| Cash amount | Nominal interest rate | Effective interest rate |
| Minumum 35,00 %
| 6,95 % per year | 9,11 % per year* |
| 20,00 % to 35,00 %
| 7,70 % per year | 9,93 % per year* |
*)Effective interest rate of 9,11 % per year, annuity loan of kr 150.000 over 5 years. Total cost: kr 185 748,00.
| Specification | Price |
| Establishement fee | kr 3 500,00
|
| Periodic fee | kr 60,00 |
Loan promise - car and boat
| Specification | Price/conditions |
| Loan promise | kr 0,00
|
| Validity | 1 month |
Consumer loans and overdraft facility
Rates and charges, Forbrukslån (consumer loan)
We currently offer a nominal interest rate from 8,49 %. 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 8,49 % up to 18,49 % p.a. | From 9,88 % up to 21,23 % p.a. |
| Specification
| Price |
| Establishment fee
| kr 990,00
|
| Establishment fee for existing consumer loan customers | kr 650,00
|
| Periodic fee per loan | kr 50,00
|
| Change of duedate | kr 250,00 at a time |
| Reminder fee | kr 35,00 per loan |
Loan Example:
kr 150 000,00 over 5 years, nominal interest rate of 11,90 % / effective interest rate of 13,64 %, establishment fee of kr 990,00, cost kr 53 736,00, Total cost: kr 203 736,00.
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.
Aksjehandelskreditt (line of credit for share trading)
| 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.