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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
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 rate | Effective interest rate |
| Boliglån UNG for Premium Next customers
| 1,59 % per year | 1,68 % per year1) |
| Boliglån UNG
| 1,85 % per year | 1,95 % per year2) |
1)Effective interest rate of 1,68 % per year, kr 2.000.000 over 25 years. Cost: kr 2 447 073,00.
2)Effective interest rate of 1,95 % per year, kr 2.000.000 over 25 years. Cost: kr 2 521 539,00.
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 mortgage | Nominal interest rate | Effective interest rate |
| Within 75% of market value | ||
| Kr 4.000.000 and above | 1,69 % p.a. | 1,74 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 1,75 % p.a. | 1,84 % p.a1) |
| Kr 0 to kr 1.999.999 | 1,85 % p.a. | 1,95 % p.a2) |
| Within 85% of market value | ||
| Kr 4.000.000 and above | 1,79 % p.a. | 1,84 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 1,85 % p.a. | 1,95 % p.a. |
| Kr 0 to kr 1.999.999 | 1,95 % p.a. | 2,05 % p.a. |
1) Effective interest rate of 1,84 % per year, 2.000.000,- o/25 years. Total cost: kr 2 492 735,00
2) Effective interest rate of 1,95 % per year, 2.000.000,- o/25 years. Total cost: kr 2 521 539,00
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 mortgage | Nominal interest rate | Effective interest rate |
| Within 75% of market value | ||
| Kr 4.000.000 and above | 1,79 % p.a. | 1,84 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 1,95 % p.a. | 2,05 % p.a1) |
| Kr 0 to kr 1.999.999 | 2,20 % p.a. | 2,30 % p.a2) |
| Within 85% of market value | ||
| Kr 4.000.000 and above | 1,89 % p.a. | 1,95 % p.a. |
| Kr 2.000.000 to kr 3.999.999 | 2,05 % p.a. | 2,15 % p.a. |
| Kr 0 to kr 1.999.999 | 2,30 % p.a. | 2,40 % p.a. |
1) Effective interest rate of 2,05 % per year, 2.000.000,- o/25 years. Total cost: kr 2 550 546,00
2) Effective interest rate of 2,30 % per year, 2.000.000,- o/25 years. Total cost: kr 2 623 952,00
Rates, Green mortgage
| Specification
| Nominal interest rate | Effective interest rate |
| Green mortgage (Grønt boliglån)
| 1,59 % per year | 1,68 % per year1) |
1)Effective interest rate of 1,68 % per year, kr 2.000.000 over 25 years. Cost: kr 2 447 073,00.
Other fees
| Specification | Price/interest rate |
| Establishment fee with BSU (home savings scheme for persons under the age of 34) | kr 0,00
|
| Establishment fee Green mortgage (Grønt boliglån) | kr 0,00 |
| Establishment fee | kr 2 500,00
|
| 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 | 9,25 % per year |
*) Also applies to Boligkreditt (home equity line of credit) whether or not it is used.
Fixed rate mortgage
Boligkreditt (home equity line of credit)
Byggekreditt (construction loan)
Interim financing
Proof of funds
Car and boat loans
Car loan
Car loan
| Cash amount | Nominal interest rate | Effective interest rate |
| Minimum 35%
| 2,95 % per year | 4,41 % per year*
|
| 20% - 35% | 3,60 % per year | 5,08 % per year |
| Up to 20% | 4,60 % per year | 6,12 % per year |
| Cash amount | Nominal interest rate | Effective interest rate |
| Minimum 35% | 3,35 % per year | 4,93 % per year* |
| 20% - 35% | 3,75 % per year | 5,35 % per year |
| Up to 20% | 4,75 % per year | 6,39 % per year |
*) Effective interest rate of 4,93 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 169 140,00.
| 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 |
Boat loan
Proof of funds
Consumer loans and overdraft facility
Forbrukslån (consumer loan)
Rates and charges, Forbrukslån (consumer loan)
We currently offer a nominal interest rate from 7,50 %. 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 7,50 % up to 21,40 % p.a. | From 8,07 % 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 70,00 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)