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
Green mortgage
Energy-saving loan
Fixed rate mortgage
Boligkreditt (home equity line of credit)
Byggekreditt (construction loan)
Interim financing
Loan promise mortgages
Other conditions, housing loans

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 rateEffective interest rate
Boliglån UNG for Premium Next customers 
5,85 % per year6,08 % per year1)
Boliglån UNG
5,85 % per year6,08 % 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 15% equity. Possibility to borrow over 85% of property value with additional security.

Floating rate mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above6,09 % p.a.6,30 % p.a.
Kr 2.000.000 to kr 3.999.9996,15 % p.a.6,40 % p.a1)
Kr 0 to kr 1.999.9996,34 % 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 15% equity. Possibility to borrow over 85% of property value with additional security.

Floating rate mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above6,09 % p.a.6,30 % p.a.
Kr 2.000.000 to kr 3.999.9996,15 % p.a.6,40 % p.a1)
Kr 0 to kr 1.999.9996,34 % p.a.6,60 % p.a2)
Within 85% of market value

Kr 4.000.000 and above6,19 % p.a.6,41 % p.a.
Kr 2.000.000 to kr 3.999.9996,25 % p.a.6,51 % p.a.
Kr 0 to kr 1.999.9996,44 % 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 rateEffective 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.

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Rates, Green mortgage

Specification
Nominal interest rateEffective 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.

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Prices for Energy-saving loan

Indicative interest rates for Energy-saving loanNominal interest rate
Effective interest rate
Within 85% of property value5,44 % p.a.5,60 % p.a.*)

Other costs for Energy-saving loan
Price
Establishment feekr 1 000,00
Periodic feekr 0,00
Establish a new collateral or increase the loan limit for an existing collateralkr 440,00 - kr 585,00

*)Eff. rate 5,60 % p.a., kr 500 000,00 o/25 years. Total costs: kr 916 764,00.

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Rates, fixed-rate mortgage, UNG customers aged 18–34

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

Fixed-rate period3 years5 years10 years
Nominal interest rate 1)5,09 % per year4,84 % per year4,69 % per year
Effective interest rate 2)5,29 % per year5,02 % per year4,87 % 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 5,29 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 474 536,00. 

Rates, fixed-rate mortgage, Premium customers

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

Fixed-rate period3 years5 years10 years
Nominal interest rate 1)5,09 % per year4,84 % per year4,69 % per year
Effective interest rate 2)5,29 % per year5,02 % per year4,87 % 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 5,29 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 474 536,00.

Rates, fixed-rate mortgage (standard)

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

Fixed-rate period3 years5 years10 years
Nominal interest rate 1)5,14 % per year4,89 % per year4,74 % per year
Effective interest rate 2)5,34 % per year5,08 % per year4,92 % 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 5,34 % per year with a fixed-rate period of 3 years, kr 2.000.000 over 25 years. Total cost: kr 3 491 895,00.

Premium customers

Rates, Boligkreditt (home equity line of credit)
Nominal interest rateEffective interest rate with 80% of the credit drawn
Within 60% of the market value6,15 % per year6,41 % 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 rateEffective 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)

Rates and charges, Byggekreditt (construction loan)
SpecificationPrice/interest rate
Nominal interest rate8,00 % per year
Effective interest rate with 80% of the credit drawn10,46 % per year*
Commision per quarterMin. 0,33 %
Establishment feekr 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

Rates, interim financing
Specification
Prices on request.

Loan promise mortgages

Price and conditions for finansieringsbevis
SpecificationPrice/conditions
Loan promisekr 0,00
Validity 6 months

Other fees

SpecificationPrice/interest rate
Establishment
Green mortgage (Grønt boliglån) kr 0,00
Boliglån UNG with BSU kr 500,00 
Boliglån UNG without BSUkr 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 loankr 1 500,00
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 estateFrom kr 500,00 to kr 585,00
Late payment fee
Delayed interest rate10,75 % per year
Payment reminderkr 35,00
Debt collection noticekr 35,00
Standard compensation for collection costskr 105,00

*) Only one charge per loan.

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

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Car and boat loans

Car loan
Boat loan
Loan promise - car and boat

Car loan

Rates, car loan, Premium and Premium Next customers
Cash amountNominal interest rateEffective interest rate
Minimum 35%
6,25 % per year7,98 % per year*
20% - 35%7,00 % per year8,78 % per year
Up to 20% 7,95 % per year9,81 % per year
*)Effective interest rate of 7,98 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 181 212,00.
Rates, car loan with chattel mortgage (standard)
Cash amountNominal interest rateEffective interest rate
Minimum 35% 6,25 % per year7,98 % per year*
20% - 35%7,05 % per year8,84 % per year
Up to 20% 8,10 % per year9,97 % per year

*) Effective interest rate of 7,98 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 181 212,00.

Other conditions, car loans
SpecificationFees
Establishment feekr 2 200,00
Periodic feekr 60,00
Registration kr 1 847,00
Change of collateralkr 1 500,00 
Copy of invoice / transaction overviewkr 250,00 
Copy of annual reportkr 100,00 

Boat loan

Rates, boat loan in Nordea Finance
Cash amountNominal interest rateEffective interest rate
Minumum 35,00 %
6,95 % per year9,11 % per year*
20,00 % to 35,00 %
7,70 % per year9,93 % 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.

Other conditions, boat loans
SpecificationPrice
Establishement feekr 3 500,00
Periodic feekr 60,00

Loan promise - car and boat

Price and conditions, loan promise
SpecificationPrice/conditions
Loan promisekr 0,00
Validity1 month

Consumer loans and overdraft facility

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

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 AmountNominal interest rate
Effective interest rate
10 000 - 500 000 krFrom 8,49 % up to 17,49 % p.a.From 9,81 % up to  19,97 % p.a.
Other conditions, consumer loan
Specification
Price
Establishment fee
kr 950,00
Establishment fee for existing consumer loan customerskr 650,00
Periodic fee per loankr 50,00
Change of duedate kr 250,00 at a time
Reminder feekr 35,00 per loan


Loan Example:  
kr 160 000,00 over 5 years, nominal interest rate of 10,90 % / effective interest rate of 12,44 %, establishment fee of kr 950,00, cost kr 52 199,00, Total cost: kr 212 199,00.

Kontokreditt (overdraft facility)

Rates and charges, Kontokreditt (overdraft facility), Premium customers
SpecificationPrice/interest rates
Nominal interest rate12,90 % per year
Effective interest rate with 80% of the credit drawn15,58 % per year*
Commission per quarter0,25 % 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.

Rates and charges, Kontokreditt (overdraft facility)
SpecificationPrice/interest rates
Nominal interest rate18,50 % per year
Effective interest rate with 80% of the credit drawn22,03 % per year*
Commssion per quarter0,25 % 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)

Rates and charges, Aksjehandelskreditt (line of credit for share trading)
Specification Price/interest rates
Nominal interest rate 6,00 % per year
Effective interest rate6,14 % per year*
Commission0,00 % per year
Establishment feekr 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.