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Interest rates and other conditions

Price list for mortgages

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Loans

  • Mortgage

    Under 2 mill.

    Nominal interest rate
    6.29%

    2 mill. - 4 mill.

    Nominal interest rate
    6.09%

    Over 4 mill.

    Nominal interest rate
    5.99%
    Applies to loans within 90% of market value

    Price example Mortgage: Nom. rate 6.09%, Eff. rate 6.34%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,923,204 NOK. Total: 3,923,204 NOK.

  • Mortgage - young people

    Nominal interest rate from
    5.69%
    Applies to loans within 90% of market value.

    Price example Mortgage - young people: Nom. rate 5.69%, Eff. rate 5.92%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,776,871 NOK. Total: 3,776,871 NOK.

  • Mortgage - your first home

    Nominal interest rate from
    5.49%
    Applies to loans within 90% of market value

    Price example Mortgage - your first home: Nom. rate 5.49%, Eff. rate 5.71%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,704,979 NOK. Total: 3,704,979 NOK.

  • Green mortgage

    Nominal interest rate from
    5.49%
    Applies to loans within 90% of market value

    Price example Green mortgage: Nom. rate 5.49%, Eff. rate 5.71%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,704,979 NOK. Total: 3,704,979 NOK.

  • Energy efficiency mortgage

    Nominal rate for first 1 year
    1.49%
    Nominal rate thereafter
    5.49%

    Price example Energy efficiency mortgage: Nom. rate 1.49% first 1 year, 5.49% then, Eff. rate 5.30%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,603,008 NOK. Total: 3,603,008 NOK.

  • Green energy efficiency mortgage

    Nominal rate for first 1 year
    0.99%
    Nominal rate thereafter
    5.49%

    Price example Green energy efficiency mortgage: Nom. rate 0.99% first 1 year, 5.49% then, Eff. rate 5.25%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,589,600 NOK. Total: 3,589,600 NOK.

  • Flexible mortgage

    Nominal interest rate from
    5.89%
    Monthly commission
    0.02% of the credit limit per month
    Applies to credit within 60% of market value

    Price example Flexible mortgage: You use 2,000,000 NOK of a credit limit of 2,500,000 NOK. At a nominal interest rate of 5.89%, the effective interest rate is 6.50% when calculated as an annuity loan over 25 years. The total cost is 1,979,155 NOK, and the total amount payable is 3,979,155 NOK. Interest is calculated on the amount you use. The costs include 0.02% of the full credit limit in monthly commission (500 NOK in this example). The establishment fee is 3,590 NOK. Applies to credit within 60% of market value.

  • Mortgage - seniors

    Nominal interest rate
    7.30%

    Price example Mortgage - seniors: Nom. rate 7.30%, Eff. rate 7.57%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 0 NOK, cost 2,359,168 NOK. Total: 4,359,168 NOK.

  • Fixed-rate mortgage

    Fixed rate period 3 years (until 15.09.2029)

    Nominal interest rate
    5.79%
    Effective interest rate from
    6.03%

    Fixed rate period 5 years (until 15.09.2031)

    Nominal interest rate
    5.74%
    Effective interest rate from
    5.97%

    Fixed rate period 10 years (until 15.09.2036)

    Nominal interest rate
    5.49%
    Effective interest rate from
    5.71%
    Applies to fixed-rate loans within 85% of market value.

    Price example Fixed-rate mortgage: Nom. rate 5.49%, Eff. rate 5.71%, 2,000,000 NOK, over 25 years, estab. fee 3,590 NOK, term fee 69 NOK, cost 1,704,979 NOK. Total: 3,704,979 NOK.

  • Construction loan

    Nominal interest rate
    9.55%
    Quarterly commission
    0.25% of the credit limit
    Establishment fee
    0.5% of the credit limit (min. NOK 5,000, max. NOK 15,000)
    No instalment fees

    Price example Construction loan: Nominal rate 9.55%, effective rate 11.55% at 100% utilization of 2,000,000 NOK, repaid after 1 year. Cost 221,000 NOK. Total: 2,221,000 NOK.

  • Mortgages - fees and costs

    Setup
    From NOK 3,590
    Mortgage instalment fees
    NOK 69
    Monthly facility fee - flexible mortgage
    0.02%
    Monthly fees - flexible mortgage
    NOK 0
    Land registry lookup
    NOK 150
    Loan modification
    NOK 500
    Fixed rate mortgage modification
    NOK 1,500
    Security modifications
    NOK 1,250
    Manual changes available in online/mobile banking
    NOK 150
    Interest-only period - per application (self-service)
    NOK 0
    Interest-only period - per application (manual)
    NOK 750
To smilende kvinner i mørkeblå uniformsdresser og røde halstørklær står utendørs foran en moderne bygning.

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