Is it your turn now? Get help entering the housing market

It can be tough to get in, but not impossible. At DNB, if you are young, you get help to make your home ownership dream a reality.

Start with pre-qualification letter

Last year we helped over 12,000 young people into their own home. Will you be next?

At DNB, we have what we call the Ung billion. It gives us room to say yes in more cases for young home buyers. Perhaps you lack a bit of equity, or need us to look at your finances holistically. Start by applying for a non-binding mortgage certificate – many are closer to owning their own home than they think.

Not a customer of DNB? Apply here

DNB helps you enter the housing market

Ung (Young Adults) billion

Easier route into the housing market

With the Ung (Young Adults) billion, you can get a mortgage even if you lack some of the equity for the purchase.

The bank's best home loan rate

First home loan

Ready to take the step into the housing market? With a first home loan, you get a lower interest rate.

Dedicated advisers for young people

Talk to us

At DNB you get specialist advisers for young home buyers. Ask them about anything you want to know.

What do you need?

The housing market can be tough, but at DNB you will find solutions. Ung (Young Adults) advisers help you, whether you need a mortgage through Ung (Young Adults), housing savings or are looking at opportunities to buy a home with a friend loan or parental assistance.

Parental assistance

Many help their children into the housing market.

Learn more about your options

Buying a home with a friend

It is easier to enter the housing market if you buy with a friend.

Check out friend loans

Housing hacks coming to you in 2026

In 2026 we are travelling around the country to help even more young people into their first home. Here you will get hacks that will effectively help you with saving, financing and purchasing property.

Free registration

Buying your first home

Woman with mobile phone and dog

1. From saving to home purchase

Home savings scheme for young people

The BSU home savings scheme for young people is the best way to save for a home if you are under 34 years old. You get our best savings rate and a tax deduction every year. The funds are locked for home-related purchases.

Girls sitting on sofa

2. Test your borrowing capacity

Loan calculator

Wondering how much you can borrow for a mortgage and what you can afford to buy? Test your borrowing capacity in our calculator. It gives you an estimate – apply for a pre-qualification letter for a non-binding and accurate answer on what you can afford to buy.

Colleagues at customer centre

3. Get visible proof of what you can afford to buy

Pre-qualification letter

When you need to buy a home, a pre-qualification letter is something you need. It is a confirmation from us at the bank of how much you can borrow and afford to buy. It is completely non-binding and necessary when you need to attend property viewings and participate in bidding rounds.

Are you buying a home together with someone? Then you apply for a pre-qualification letter together.

From moving away from home...

...to getting their first job

UngAkademiet

Cohabitation agreement

All cohabitants should have a cohabitation agreement – regardless of whether you rent or own together.

Create a cohabitation agreement

How much money do I need to buy my own home?

When you need to buy a home, you must have equity. This is the money you must provide yourself when buying a home – in other words, the part of the purchase price that is not covered by the mortgage.

As a general rule, you must have at least 10% of The purchase price in equity. This means that the bank can usually lend you up to 90% of the property's value. If the property costs NOK 3,000,000, for example, you need NOK 300,000 in equity.

In addition, you cannot borrow as much as you want. The more you borrow, the higher income you need to cover the monthly costs. Therefore, your total debt can be at most five times what you earn per year. Your student loan is also included.

As a young customer of DNB, there are still opportunities to buy a property, even if you lack some of the equity. In addition to our own advisers who specialise in young people and their finances, we have What we call the Ung billion. With this scheme, we can in some cases waive parts of the equity requirement, so that you can enter the housing market even if you have not yet saved up the full amount for the home purchase.

More benefits you have as a young adult at DNB

Ung (Young Adults) customer programme

Are you between 18 and 28 years old? Then you can order Ung (Young Adults). Here you get your own benefits and products adapted to you as a young adult.

Debit and credit cards at no cost

Cards for young adults have no annual fee at DNB.

Going travelling?

Did you know that you can get travel insurance included as a DNB Ung (Young Adults) customer with us?

Visible proof of what you can buy a home for

If you are ready to explore the property market and start attending viewings, it is time to apply for a pre-qualification letter.

Apply for pre-qualification letter

Price example mortgage Ung (Young Adults)

Nominal floating interest rate from 5.49%. annual percentage rate of charge (APRC) from 5.70 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 334. The total amount payable would be NOK 3 703 390 made up of the loan amount plus interest of NOK 1 703 390..