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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.
Loan and financing - personal customers
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.
| Specification
| Nominal interest rate | Effective interest rate |
| Boliglån UNG for Premium Next customers
| 2,88 % per year | 2,98 % per year1) |
| Boliglån UNG
| 3,05 % per year | 3,16 % 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 rate | Effective interest rate |
| Premium rate of interest | 2,90 % per year | 3,02 % 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 rate | Effective interest rate |
| kr 2.000.000 and over | 3,10 % per year | 3,22 % per year1) |
| kr 0 up to kr 2.000.000 | 3,30 % per year | 3,43 % 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.
| Specification
| Nominal interest rate | Effective interest rate |
| Green mortgage (Grønt boliglån)
| 2,88 % per year | 2,98 % per year1) |
1)Effective interest rate of 2,98 % per year, kr 2.000.000 over 25 years. Cost: kr 2 827 461,00.
| Specification | Price/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 fee | kr 2 500,00
|
| Instalment fee / monthly fee* | kr 65,00
|
| Change of loan structure | kr 500,00
|
| Early repayment (floating-rate mortgage) | kr 0,00
|
| Interest on late payments | 9,25 % 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
| Spesification | Nominal interest rate | Effective interest rate |
| Interest rate regardless of loan amount and equity | From 4,70 % per year | From 6,66 % per year*
|
| Specification | Nominal interest rate | Effective interest rate |
| Interest rate with a minimum cash amount of 20% | 3,90 % per year | 5,50 % per year* |
| Interest rate with a cash amount of up to 20% | 5,60 % per year | 7,29 % 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.
| Specification | Fees |
| Establishment fee | kr 2 200,00
|
| Periodic fee | kr 60,00
|
| Registration | kr 1 516,00 |
Boat loan
Proof of funds
Consumer loans and overdraft facility
Forbrukslån (consumer loan)
Forbrukslån (consumer loan)
| Specification | Price/interest rate |
| Nominal interest rate | 10,90 % per year |
| Effective interest rate | 12,40 % per year* |
| Periodic fee | kr 53 986,00
|
| Establishment fee | kr 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)