Loan and financing - personal customers

Floating rate mortgage

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

¹⁾Effective interest rate of 2,37 % per year, kr 2.000.000 over 25 years. Cost: kr 2 645 220,00.
²⁾Effective interest rate of 2,54 % per year, kr 2.000.000 over 25 years. Cost: kr 2 696 124,00.

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

*⁾Mortgages exceeding a 75% loan-to-value ratio will be split into a primary loan and a top-up loan. Applicable interest rates are contingent on an individual evaluation of your risk profile.

¹⁾Effective interest rate of 2,50 % per year, kr 2.000.000 over 25 years. Total cost: kr 2 683 576,00.
²⁾Effective interest rate of 2,55 % per year, kr 2.000.000 over 25 years. Total cost: kr 2 795 867,00.

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

*⁾Mortgages exceeding a 75% loan-to-value ratio will be split into a primary loan and a top-up loan. Applicable interest rates are contingent on an individual evaluation of your risk profile.

¹⁾Effective interest rate of 2,76 % per year,  kr 2.000.000 over 25 years. Total cost: kr 2 759 249,00.
²⁾Effective interest rate of 2,91 % per year,  kr 2.000.000 over 25 years. Total cost: kr 2 909 912,00.

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

Fixed rate mortgage

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

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 2,75 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 2 756 749,00. 

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

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 2,76 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 2 759 249,00.

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

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 2,81 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 2 773 528,00.

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

Boligkreditt (home equity line of credit)

*⁾Effective interest rate of 2,59 % per year, kr 2.000.000,- over 25 years. Total cost: kr 2 622 000,00.

*⁾ Effective interest rate of 2,73% per year, kr 2.000.000,- over 25 years, Total cost: kr 2 722 000,00.

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

Byggekreditt (construction loan)

*⁾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

Proof of funds

Car loan

*⁾ Effective interest rate of 5,21 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 170 220,00.

Boat loan

*⁾Effective interest rate of 6,80 % per year, annuity loan of kr 150.000 over 5 years. Total cost: kr 176 520,00.

Proof of funds

Forbrukslån (consumer loan)

*⁾ 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)

*⁾ 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.

*⁾ 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)

^*)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.