When you apply for a mortgage, 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 details 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 possibly document the matter at a later date. Registered information about a refusal may affect your future applications. DNB Bank ASA (the Bank) and DNB Boligkreditt AS (Boligkreditt) have joint processing responsibility for personal data. This means that your information will be available to both the Bank and Boligkreditt during both the application process and after the loan has been established. Loans in DNB Boligkreditt provide the basis for favourable interest rate terms. You can read about Boligkreditt here.
You can direct questions about your loan to the Bank's advisers by clicking on the "DNB contact" 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.
