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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
| Within 75,00 % of market value | Nominal interest rate | Effective interest rate |
| Boliglån UNG Premium/Utdanning
| 2,09 % per year | 2,19 % per year1) |
| Boliglån UNG
| 2,30 % per year | 2,40 % 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.
| Within 75,00 % of market value
| Nominal interest rate | Effective interest rate |
| Premium rate of interest | 2,30 % per year | 2,40 % per year1) |
| Above 75,00 % of market value* | ||
| Premium rate of interest
(average nominal interest rate) | 2,36 % per year | 2,55 % 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.
| Within 75,00 % of market value
| Nominal interest rate | Effective interest rate |
| kr 2.000.000 and over | 2,60 % per year | 2,70 % per year1) |
| kr 0 up to kr 2.000.000 | 2,80 % per year | 2,91 % per year |
| Above 75,00 % of market value* | ||
| Price example:
kr 2.000.000 (average nominal interest rate) | 2,68 % per year | 2,91 % 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.
| Specification | Price/interest rate |
| Minimum establishment fee with BSU (home savings scheme for persons under the age of 34) | kr 0,00
|
| Minimum establishment fee | kr 2 500,00
|
| Minimum 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 | 8,50 % 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
| 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% | 3,75 % per year | 5,67 % per year* |
| Interest rate with a cash amount of up to 20% | 5,45 % per year | 7,45 % 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.
| Specification | Fees |
| Establishment fee | kr 2 000,00
|
| Periodic fee | kr 85,00
|
| 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 | 14,50 % per year |
| Effective interest rate | 18,52 % per year* |
| Periodic fee | kr 65,00
|
| Establishment fee | kr 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)