Cabin Mortgage

When you apply for a loan, we process information about your income, debt and assets. We obtain information directly from you, from our internal systems and from public registers. From our systems, we retrieve information about application, payment and transaction history for loans, credit and accounts that you hold with us. We can connect you to Altinn (the Norwegian digital portal for dialogue with public agencies) so that the Norwegian Tax Administration receives your consent to disclose information about income, debt and assets. We can also obtain an overview from the Debt Register of your unsecured debt, information about property from the Norwegian Mapping Authority, as well as taxable income from the previous year and payment remarks from credit reference agencies. You will receive information from credit reference agencies when the information has been obtained from them. Our processing of the aforementioned information forms part of an automated risk assessment process. The processing is necessary to comply with both regulatory requirements and safeguards our own legitimate interest in managing our own risk and ensuring sound finances and payment capacity among our customers. In addition, we are legally obliged to protect ourselves against money laundering and financial crime. If you object to our processing, we cannot process your loan application, but you always have the right to correct information that is incorrect. When we grant loans, DNB is an obliged entity to the authorities. When we decline loans, we register this with us in order to be able to notify you of the refusal and, if necessary, subsequently document the matter. Registered information about a refusal may affect your future applications. DNB Bank ASA (the Bank) is the data controller for personal information.

You can direct questions about your loan to the Bank's advisers by clicking on the "DNB kontakt" button at the top of all our pages. The postal address for DNB can be found at the bottom of this page. Read more about your privacy rights in our privacy notice here. See in particular the chapters "What are your rights" and "Questions and complaints" for further guidance.