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

Floating rate mortgage

Rates, Boliglån UNG (mortgage for young adults aged 18–34)
Within 75,00 % of market valueNominal interest rateEffective interest rate
Boliglån UNG Premium/Utdanning
2,09 % per year2,19 % per year1)
Boliglån UNG
2,30 % per year2,40 % per year2)

1)Effective interest rate of 2,19 % per year, kr 2.000.000 over 25 years. Cost: kr 2 591 497,00.
2)Effective interest rate of 2,40 % per year, kr 2.000.000 over 25 years. Cost: kr 2 653 667,00.

Rates, floating-rate mortgage, Premium customers
Within 75,00 % of market value
Nominal interest rateEffective interest rate
Premium rate of interest2,30 % per year2,40 % per year1)
Above 75,00 % of market value*

Premium rate of interest
(average nominal interest rate)
2,36 % per year2,55 % per year2)

*)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 2,40 % per year, kr 2.000.000 over 25 years. Total cost: kr 2 653 667,00.
2)Effective interest rate of 2,55 % per year, kr 2.000.000 over 25 years. Total cost: kr 2 795 867,00.

Rates, floating-rate mortgage
Within 75,00 % of market value
Nominal interest rateEffective interest rate
kr 2.000.000 and over2,60 % per year2,70 % per year1)
kr 0 up to kr 2.000.0002,80 % per year2,91 % per year
Above 75,00 % of market value*

Price example:
kr 2.000.000 (average nominal interest rate)
2,68 % per year2,91 % per year2)

*)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 2,70 % per year,  kr 2.000.000 over 25 years. Total cost: kr 2 744 017,00.
2)Effective interest rate of 2,91 % per year,  kr 2.000.000 over 25 years. Total cost: kr 2 909 912,00.

Other terms and charges, residential mortgages
SpecificationPrice/interest rate
Minimum establishment fee with BSU (home savings scheme for persons under the age of 34)kr 0,00
Minimum establishment feekr 2 500,00
Minimum instalment fee / monthly fee*kr 65,00
Change of loan structurekr 500,00
Early repayment (floating-rate mortgage)kr 0,00
Interest on late payments8,50 % 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

Rates, car loan, Premium customers
SpesificationNominal interest rateEffective interest rate
Interest rate regardless of loan amount and equityFrom 4,70 % per yearFrom 6,66 % per year*
*)Effective interest rate of 6,66 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 175 500,00.
Rates, car loan with chattel mortgage
SpecificationNominal interest rateEffective interest rate
Interest rate with a minimum cash amount of 20% 3,75 % per year5,67 % per year*
Interest rate with a cash amount of up to 20% 5,45 % per year7,45 % per year

*) Effective interest rate of 5,67 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 172 020,00.

Price, payment protection insurance
SpecificationPrice
Insurance premium - per month of the original loan amount, including costs (comes in addition to the interest on the loan).0,15 %
Other conditions, car loans
SpecificationFees
Establishment feekr 2 000,00
Periodic feekr 85,00
Registration kr 1 516,00
Boat loan
Proof of funds

Consumer loans and overdraft facility

Forbrukslån (consumer loan)

Forbrukslån (consumer loan)

Rates and charges, Forbrukslån (consumer loan)
SpecificationPrice/interest rate
Nominal interest rate14,50 % per year
Effective interest rate18,52 % per year*
Periodic feekr 65,00
Establishment feekr 1 000,00

*) 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)
Aksjehandelskreditt (line of credit for share trading)