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- Prices for loan and financing for 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 rate | Effective interest rate |
| Boliglån UNG for Premium Next customers | 5,85% per year | 6,08%per year1) |
| Boliglån UNG | 5,85% per year | 6,08%per year2) |
1)Effective interest rate of6,08%per year, kr 2.000.000over 25 years. Cost:kr3833681,00.
2)Effective interest rate of6,08%per year, kr 2.000.000over 25 years. Cost:kr3833681,00.
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 mortgage | Nominal interest rate | Effective interest rate |
| Within 75% of market value | ||
| Kr 4.000.000 and above | 5,95% p.a. | 6,15% p.a. |
| Kr 2.000.000 to kr 3.999.999 | 5,99%p.a. | 6,23%p.a1) |
| Kr 0 to kr1.999.999 | 5,99% p.a. | 6,23% p.a2) |
Prices assume a loan within 75% of housing value. The price is 0,10 %-points higher above 75 %.
1)Effective interest rate of6,23% per year, 2.000.000,- o/25 years. Total cost:kr3884842,00
2)Effective interest rate of6,23%per year, 2.000.000,- o/25 years. Total cost:kr3884842,00
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 mortgage | Nominal interest rate | Effective interest rate |
| Within 75% of market value | ||
| Kr 4.000.000 and above | 5,95% p.a. | 6,15% p.a. |
| Kr 2.000.000 to kr 3.999.999 | 5,99%p.a. | 6,23%p.a1) |
| Kr 0 to kr1.999.999 | 5,99% p.a. | 6,23% p.a2) |
| Within 85% of market value | ||
| Kr 4.000.000 and above | 5,95% p.a. | 6,15% p.a. |
| Kr 2.000.000 to kr 3.999.999 | 5,95%p.a. | 6,19%p.a. |
| Kr 0 to kr1.999.999 | 5,95% p.a. | 6,19% p.a. |
1)Effective interest rate of6,23% per year, 2.000.000,- o/25 years. Total cost:kr3884842,00
2)Effective interest rate of6,23%per year, 2.000.000,- o/25 years. Total cost:kr3884842,00
Rates, Green mortgage
| Specification | Nominal interest rate | Effective interest rate |
| Within 75% of market value | 5,19%p.a. | 5,37%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 of5,37%per year, kr 2.000.000over 25 years. Cost:kr3596979,00.Applies only to A- and B energy-rated homes.Compare our prices with other companies at Finansportalen.no
Rates, Green mortgage
| Specification | Nominal interest rate | Effective interest rate |
| Within 75% of market value | 5,19%p.a. | 5,37%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 of5,37%per year, kr 2.000.000over 25 years. Cost:kr3596979,00.Applies only to A- and B energy-rated homes.Compare our prices with other companies at Finansportalen.no
Prices for Energy-saving loan
| Indicative interest rates for Energy-saving loan | Nominal interest rate | Effective interest rate |
| Within 85% of property value | 5,39% p.a. | 5,55% p.a.*) |
| Other costs for Energy-saving loan | Price |
| Establishment fee | kr1000,00 |
| Periodic fee | kr0,00 |
| Establish a new collateral or increase the loan limit for an existing collateral | kr 440,00 - kr 585,00 |
*)Eff. rate 5,55% p.a., kr500000,00 o/25 years. Total costs: kr912304,00.
Compare our prices with other companies at Finansportalen.noÅpnes i nytt vindu
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 period | 3 years | 5 years | 10 years |
| Nominal interest rate 1) | 4,60%per year | 4,40%per year | 4,30%per year |
| Effective interest rate2) | 4,77%per year | 4,57%per year | 4,46%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 of4,77%per year with a fixed-rate period of 3 years,kr 2.000.000 over 25 years. Total cost:kr3323730,00.
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 period | 3 years | 5 years | 10 years |
| Nominal interest rate1) | 4,60%per year | 4,40%per year | 4,30%per year |
| Effective interest rate2) | 4,77%per year | 4,57%per year | 4,46%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 of4,77%per yearwith a fixed-rate period of 3 years,kr 2.000.000 over 25 years. Total cost:kr3323730,00.
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 period | 3 years | 5 years | 10 years |
| Nominal interest rate1) | 4,65%per year | 4,45%per year | 4,35%per year |
| Effective interest rate2) | 4,83%per year | 4,62%per year | 4,51%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 of4,83%per yearwith a fixed-rate period of 3 years,kr 2.000.000 over 25 years. Total cost:kr3340690,00.
Premium customers
| Rates, Boligkreditt (home equity line of credit) | Nominal interest rate | Effective interest ratewith 80% of the credit drawn |
| Within 60% of the market value | 5,95%per year | 6,19%per year* |
*)Effective interest rate of6,19%per year, kr 2.000.000,- over 25 years. Total cost:kr3871691,00.
Standard rates
| Rates, Boligkreditt (home equity line of credit) | Nominal interest rate | Effective interest ratewith 80% of the credit drawn |
Within 60% of the market value | 5,95%p.a. | 6,19%p.a.* |
*)Effective interest rate of6,19%, 2.000.000,- o/25 years, Total costs:kr3871691,00
Byggekreditt (construction loan)
| Specification | Price/interest rate |
| Nominal interest rate | 8,00%per year |
| Effective interest rate with 80% of the credit drawn | 10,46%per year* |
| Commision per quarter | Min.0,33% |
| Establishment fee | kr 6 000 - 20 000 |
*)Effective interest rate incl. fee of10,46%per year The example is based on a credit limit ofkr 2.000.000 with 80% of the credit drawn, a commission of0,33%per quarter and an establishment fee ofkr6000,00. The loan period is 1 year.
Interim financing
| Specification |
| Prices on request. |
Loan promise mortgages
| Specification | Price/conditions |
| Loan promise | kr0,00 |
| Validity | 6 months |
Other fees
| Specification | Price/interest rate |
| Establishment | |
| Green mortgage (Grønt boliglån) | kr0,00 |
| Boliglån UNG with BSU | kr500,00 |
| Boliglån UNG without BSU | kr2500,00 |
| Floating-rate home mortgage, home equity line of credit, fixed-rate home mortgage | kr3200,00 |
| Increase of existing loan (refinancing) | kr3200,00 |
| Bridge loan | kr1000,00 |
| Third party pledge* | kr1000,00 |
| Per collateral item (e.g. holiday property) | kr500,00 |
| Instalment fee | |
| Instalment fee / monthly fee** | kr65,00 |
| Changes | |
| Maturity date, early repayment (floating-rate mortgage) | kr0,00 |
| Simple changes (e.g. instalment-free period, reduced loan term) | kr500,00 |
| Complex changes (e.g. fixed rate mortgage, change of collaterals / third party pledges) | kr750,00 |
| Public changes | |
| Pledge in residential real estate | From kr500,00 to kr585,00 |
| Late payment fee | |
| Delayed interest rate | 10,75%per year |
| Payment reminder | kr35,00 |
| Debt collection notice | kr35,00 |
| Standard compensation for collection costs | kr400,00 |
*) Only one charge per loan.
**)Also applies to Boligkreditt (home equity line of credit) whether or not it is used.
Compare our prices with other companies at Finansportalen.no
Car and boat loans
Car loan
Boat loan
Loan promise - car and boat
Car loan
| Cash amount | Nominal interest rate | Effective interest rate |
| Minimum 35% | 6,50% per year | 8,19%per year* |
| 20% - 35% | 7,35%per year | 9,10%per year |
| Up to 20% | 8,35%per year | 10,18%per year |
| Cash amount | Nominal interest rate | Effective interest rate |
| Minimum 35% | 6,65%per year | 8,41%per year* |
| 20% - 35% | 7,45%per year | 9,27%per year |
| Up to 20% | 8,50%per year | 10,41%per year |
*)Effective interest rate of8,41%per year,annuity loan of kr 150.000 over 5 years, including an establishment fee ofkr2200,00. Total cost:kr182918,00.
| Specification | Fees |
| Establishment fee | kr2200,00 |
| Periodic fee | kr60,00 |
| Registration | kr1516,00 |
| kr1500,00 | |
| kr250,00 | |
| kr100,00 |
Boat loan
| Cash amount | Nominal interest rate | Effective interest rate |
| Minumum 35,00% | 6,95%per year | 9,11%per year* |
| 20,00% to 35,00% | 7,70%per year | 9,93%per year* |
*)Effective interest rate of9,11%per year, annuity loan of kr150.000 over 5 years. Total cost:kr185748,00.
| Specification | Price |
| Establishement fee | kr3500,00 |
| Periodic fee | kr60,00 |
Loan promise - car and boat
| Specification | Price/conditions |
| Loan promise | kr0,00 |
| Validity | 1 month |
Consumer loans and overdraft facility
Forbrukslån (consumer loan)
Kontokreditt (overdraft facility)
Rates and charges, Forbrukslån (consumer loan)
We currently offer a nominal interest rate from 7,99%.Applicable interest rates are contingent on an individual evaluation of your risk profile.
| Loan Amount | Nominal interest rate | Effective interest rate |
| 10 000 - 500 000 kr | From 7,99% up to 16,99%p.a. | From 9,27% up to 19,38%p.a. |
| Specification | Price |
| Establishment fee | kr950,00 |
| Establishment feefor existing consumer loan customers | kr950,00 |
| Periodic fee per loan | kr50,00 |
| Change of duedate | kr250,00at a time |
| Reminder fee | kr35,00per loan |
Loan Example:
kr160000,00 over 5 years, nominal interest rate of 10,90% / effective interest rate of12,44%, establishment fee ofkr950,00, cost kr52199,00, Total cost:kr212199,00.
Kontokreditt (overdraft facility)
| Specification | Price/interest rates |
| Nominal interest rate | 12,90%per year |
| Effective interest rate with 80% of the credit drawn | 15,58%per year* |
| Commission per quarter | 0,25%min.kr50,00 |
*) Effective interest rate of15,58%, per year, kr 30.000 over 5 years, including an establishment fee ofkr500,00. Total cost:kr47480,00.
| Specification | Price/interest rates |
| Nominal interest rate | 18,50%per year |
| Effective interest rate with 80% of the credit drawn | 22,03%per year* |
| Commssion per quarter | 0,25%min.kr50,00 |
*) Effective interest rate22,03%, kr 30.000,- , for 5 years, establishment feekr500,00. Total amount:kr54200,00.
Aksjehandelskreditt (line of credit for share trading)
| Specification | Price/interest rates |
| Nominal interest rate | 6,00%per year |
| Effective interest rate | 6,14%per year* |
| Commission | 0,00%per year |
| Establishment fee | kr0,00 |
*)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 of0,00%and an establishment fee ofkr0,00.
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I am an expert and enthusiast-based assistant. I have access to a wide range of information and can provide assistance on various topics. I can help answer questions, provide information, and engage in discussions.
Regarding the concepts mentioned in the article you provided, here is some information:
Residential Mortgages
Residential mortgages are loans provided by financial institutions to individuals for the purpose of purchasing or refinancing residential properties. These loans are secured by the property itself, which means that if the borrower fails to repay the loan, the lender has the right to take ownership of the property. Residential mortgages can have different interest rate structures, such as floating rate mortgages, fixed rate mortgages, and home equity lines of credit (Boligkreditt).
Guideline Prices of Housing Loans
Guideline prices of housing loans refer to the interest rates offered by a financial institution for different types of housing loans. These rates are typically based on factors such as the borrower's creditworthiness, the size of the loan, and the loan-to-value ratio. The interest rates can vary depending on the type of loan, such as floating rate mortgages, green mortgages, and energy-saving loans.
Boliglån UNG (Mortgage for Young Adults Aged 18-34)
Boliglån UNG is a specific type of mortgage designed for young adults aged 18-34. It offers competitive interest rates and flexible terms to help young adults enter the housing market. The interest rates for Boliglån UNG can vary based on factors such as the loan amount and the loan-to-value ratio.
Effective Interest Rate
The effective interest rate is the actual interest rate that a borrower pays on a loan, taking into account any additional costs or fees associated with the loan. It is a more accurate representation of the total cost of borrowing compared to the nominal interest rate. The effective interest rate can vary based on factors such as the loan amount, the loan term, and any additional fees.
Please note that the information provided above is a general overview of the concepts mentioned in the article. For more specific details and accurate information, it is recommended to consult the original source or contact the financial institution directly.
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