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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

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 
1,59 % per year1,68 % per year1)
Boliglån UNG
1,85 % per year1,95 % 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 mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above1,69 % p.a.1,74 % p.a.
Kr 2.000.000 to kr 3.999.9991,75 % p.a.1,84 % p.a1)
Kr 0 to kr 1.999.9991,85 % p.a.1,95 % p.a2)
Within 85% of market value

Kr 4.000.000 and above1,79 % p.a.1,84 % p.a.
Kr 2.000.000 to kr 3.999.9991,85 % p.a.1,95 % p.a.
Kr 0 to kr 1.999.9991,95 % 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 mortgageNominal interest rateEffective interest rate
Within 75% of market value

Kr 4.000.000 and above1,79 % p.a.1,84 % p.a.
Kr 2.000.000 to kr 3.999.9991,95 % p.a.2,05 % p.a1)
Kr 0 to kr 1.999.9992,20 % p.a.2,30 % p.a2)
Within 85% of market value

Kr 4.000.000 and above1,89 % p.a.1,95 % p.a.
Kr 2.000.000 to kr 3.999.9992,05 % p.a.2,15 % p.a.
Kr 0 to kr 1.999.9992,30 % 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 rateEffective interest rate
Within 75% of market value  
1,55 % p.a.
1,63 % p.a.1)
Within 85% of market value 1,65 % p.a.1,73 % p.a.

1)Effective interest rate of 1,63 % per year, kr 2.000.000 over 25 years. Cost: kr 2 433 239,00.

Compare our prices with other companies at Finansportalen.no

Fixed rate mortgage
Boligkreditt (home equity line of credit)
Byggekreditt (construction loan)
Interim financing
Proof of funds
Other conditions, housing loans

Car and boat loans

Car loan

Car loan

Rates, car loan, Premium and Premium Next customers
Cash amountNominal interest rateEffective interest rate
Minimum 35%
2,85 % per year4,36 % per year*
20% - 35%3,50 % per year5,03 % per year
Up to 20% 4,45 % per year6,02 % per year
*)Effective interest rate of 4,36 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 000,00. Total cost: kr 166 860,00.
Rates, car loan with chattel mortgage (standard)
Cash amountNominal interest rateEffective interest rate
Minimum 35% 2,95 % per year4,52 % per year*
20% - 35%3,60 % per year5,19 % per year
Up to 20% 4,60 % per year6,24 % per year

*) Effective interest rate of 4,52 % per year, annuity loan of kr 150.000 over 5 years, including an establishment fee of kr 2 200,00. Total cost: kr 167 460,00.

Other conditions, car loans
SpecificationFees
Establishment feekr 2 200,00
Periodic feekr 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 AmountNominal interest rate
Effective interest rate
10 000 - 500 000 krFrom 7,50 % up to 21,40 % p.a.From 8,07 % up to  23,95 % 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
Instalment free /monthly freekr 250,00 at a time
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 12,40 %, establishment fee of kr 950,00, cost kr 53 986,00, Total cost: kr 213 986,00.

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