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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

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

Rates, Boliglån UNG (mortgage for young adults aged 18–34)
Specification
Nominal interest rateEffective interest rate
Boliglån UNG for Premium Next customers 
2,88 % per year2,98 % per year1)
Boliglån UNG
3,05 % per year3,16 % per year2)


1)Effective interest rate of 2,98 % per year, kr 2.000.000 over 25 years. Cost: kr 2 827 461,00.
2)Effective interest rate of 3,16 % per year, kr 2.000.000 over 25 years. Cost: kr 2 880 389,00.

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.

Specification
Nominal interest rateEffective interest rate
Premium rate of interest2,90 % per year3,02 % per year1)

1)Effective interest rate of 3,02 % per year, kr 2.000.000 over 25 years. Total cost: kr 2 836 149,00.

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.

Specification
Nominal interest rateEffective interest rate
kr 2.000.000 and over3,10 % per year3,22 % per year1)
kr 0 up to kr 2.000.0003,30 % per year3,43 % per year

1)Effective interest rate of 3,22 % per year,  kr 2.000.000 over 25 years. Total cost: kr 2 898 565,00. 

Rates, Green mortgage
Specification
Nominal interest rateEffective interest rate
Green mortgage (Grønt boliglån)  
2,88 % per year2,98 % per year1)


1)Effective interest rate of 2,98 % per year, kr 2.000.000 over 25 years. Cost: kr 2 827 461,00.


Other fees
SpecificationPrice/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 feekr 2 500,00
Instalment fee / monthly fee*kr 65,00
Change of loan structurekr 500,00
Early repayment (floating-rate mortgage)kr 0,00
Interest on late payments9,25 % 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

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 2 200,00. 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% 3,90 % per year5,50 % per year*
Interest rate with a cash amount of up to 20% 5,60 % per year7,29 % per year

*) Effective interest rate of 5,50 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 171 360,00.

Other conditions, car loans
SpecificationFees
Establishment feekr 2 200,00
Periodic feekr 60,00
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 rate10,90 % per year
Effective interest rate12,40 % per year*
Periodic feekr 53 986,00
Establishment feekr 950,00

*) Effective interest rate of 12,40 % per year, NOK 65,000 over 5 years, including an establishment fee of kr 950,00. Total cost: kr 213 986,00.

Kontokreditt (overdraft facility)
Aksjehandelskreditt (line of credit for share trading)