Price and interest rates for loans
Guide prices for loans for personal customers
We always consider every loan application individually. The price you get is based, among other things, on debt-servicing capacity, security and risk.
Prices of home mortgages applies to loans up to NOK 10 million and assumes that you have a wage entry and use the bank on a daily basis.
Mortgages (down-payments)
- Nominal interest rate from 5.49 %, APR 5.70 %
All prices up to 85% of market value.
Price for first home loan. Other loan applications are assessed individually.
- Nominal interest rate from 5.49 %, APR 5.70 %
All prices up to 85% of market value.
Price for first home loan. Other loan applications are assessed individually.
- Nominal interest rate from 5.49 %, APR 5.70 %
All prices up to 85% of market value
Interest rate until 31 December 2024: 0 %. From 1 January 2025 the interest rate will correspond with the interest rate for Green mortgage.
Suggested prices. We assess each loan application individually.
Loans over NOK 4.000.000
- Nominal interest rate 6.09 %, APR 6.30 %
Loans NOK 2 000 000 - 4 000 000
- Nominal interest rate 6.15 %, APR 6.40 %
Loans under NOK 2 000 000
- Nominal interest rate 6.34 %, APR 6.62 %
All prices up to 75% of market value.
At over 75% of market value, the price is 0.10 percentage points higher
We assess each individual application individually. Contact the bank for offers.
Fixed-rate loans
- 3 years: Nominal interest rate from 4.49 %, eff. interest rate 4.64 %
- 5 years: Nominal interest rate from 4.39 %, operating interest rate 4.54 %
- 10 years: Nominal interest rate from 4.34 %, operating interest rate 4.49 %
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
- 3 years: Nominal interest rate from 4.54 %, operating interest rate 4.71 %
- 5 years: Nominal interest rate from 4.49 %, operating interest rate 4.66 %
- 10 years: Nominal interest rate from 4,44 %, operating interest rate 4.61 %
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
- 3 years: Nominal interest rate from 4.59 %, operating interest rate 4.76 %
- 5 years: Nominal interest rate from 4.54 %, operating interest rate 4.71 %
- 10 years: Nominal interest rate from 4.49 %, operating interest rate 4.66 %
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
Home equity credit lines
- Nominal interest rate from 5.49 %, APR 5.70 %
Prices up to 60% of market value.
Suggested prices. We assess each loan application individually.
Loans over NOK 4.000.000
- Nominal interest rate 6.09 %, APR 6.30 %
Loans between NOK 2 000 000 and NOK 4 000 000
- Nominal interest rate 6.15 %, APR 6.40 %
Loans under NOK 2 000 000
- Nominal interest rate 6.34 %, APR 6.62 %
All prices up to 60% of market value.
Price list car loans
Equity 35% or more
- Nominal interest rate 6.74 %, APR 8.68 %
Equity 20% - 35%
- Nominal interest rate 7.40 %, APR 9.40 %
Equity under 20%
- Nominal interest rate 8,40 %, APR 10.49 %
Equity 35% or more
- Nominal interest rate 6.74 %, APR 8.68 %
Equity 20% - 35%
- Nominal interest rate 7.40 %, APR 9.40 %
Equity under 20%
- Nominal interest rate 8,40 %, APR 10.49 %
Equity 35% or more
- Nominal interest rate 6.74 %, APR 8.62%
Equity 20% - 35%
- Nominal interest rate 7.40 %, APR 9.34 %
Equity under 20%
- Nominal interest rate 8.40 %, APR 10.42 %
Equity 35% or more
- Nominal interest rate 6.84 %, APR 8.79 %
Equity 20% - 35%
- Nominal interest rate 7.50 %, APR 9.50 %
Equity under 20%
- Nominal interest rate 8.50 %, APR 10.59 %
Equity 35% or more
- Nominal interest rate 6.84 %, APR 8.79 %
Equity 20% - 35%
- Nominal interest rate 7.50 %, APR 9.50 %
Equity under 20%
- Nominal interest rate 8.50 %, APR 10.59 %
Boat, motorcycle and caravan price list
Boats measuring 7 metres or more
Equity 35% or more
- Nominal interest rate 7.95 %, APR 9.99 %
Equity under 35%
- Nominal interest rate 8.70 %, APR 10.80 %
Boats under 7 metres long
Equity 35% or more
- Nominal interest rate 8.84 %, APR 11.36 %
Equity under 35%
- Nominal interest rate 9.75 %, APR 12.36 %
Equity 35% or more
- Nominal interest rate 6.84 %, APR 8.79 %
Equity 20% - 35%
- Nominal interest rate 7.50 %, APR 9.50 %
Equity under 20%
- Nominal interest rate 8.50 %, APR 10.59 %
Equity 35% or more
- Nominal interest rate 7.80 %, APR 9.84 %
Equity 20% - 35%
- Nominal interest rate 9.10 %, APR 11.26 %
Equity under 20%
- Nominal interest rate 9.55 %, APR 11.74 %
Price list for unsecured loans
Price example: Nominal interest rate from 10.9%, effective interest rate 11.7%, NOK 100,000 over 5 years, establishment fee from NOK 500. Cost NOK 30,806. A total of NOK 130,806.
Nominal interest rate Saga Consumer Loan: 10.9%
Nominal interest rate DNB Consumer Loan: 10.9 % to 13 %
Payment insurance 0.4% per month of the balance.
Sale of new products stopped.
- Nominal interest rate: 16.05%
- APR: 17.13%
For customers without a programme, an extra NOK 100 is charged every 4 months (NOK 300 per year)
Sale of new products stopped.
- Nominal interest rate: 16.05%
- APR: 16.92%
Other prices and price examples for loans
Set-up
Environmental loans
- NOK 0
Home mortgages, fixed-rate loans, home equity credit lines – per case
- From NOK 2 190
Construction credit
- NOK 5 000 - 20 000
Consumer loan and SAGA Consumer loan
- From NOK 500
Deducted from the granted credit limit
Car loan SAGA
- NOK 2 300
Other car loans
- NOK 2 500
Loans for boats shorter than 7 metres
- NOK 3 700
Loans for boats longer than 7 metres
- NOK 2 500
Instalment fees for loans
Home mortgages, fixed-rate loans
- NOK 65
Home equity credit lines
- NOK 65 (instalment fees are charged even if the balance of the home equity credit line is 0)
Car loans
- NOK 65
Green car loan
- NOK 65
Consumer loan/SAGA Consumer loan
- eFaktura (eInvoice) NOK 0
- Invoice sent in the post NOK 10
Loan collateral
Deposit fees
Per security object (property, access documents): NOK 1 000
Surety, pledges on bank deposits, guarantees, funds or shares: NOK 500
Cost for establishing collateral in stockapartment is determined by the accountant.
Public registration costs
Real estate, refinancing, house cooperative share
- NOK 500
Car, motorcycle and caravan – electronically
- NOK 1 280
Car, motorcycle and caravan – paper
- NOK 1 847
Other prices home mortgage
Change the debit account, instalment date, reduce the term, delete security upon redemption, change of debtor (change places)
- NOK 0
Simple changes (interest-only period, extend term, etc.)
- NOK 0
Extensive changes (for fixed-rate interest, priority changes, mortgage waivers, changes to security or co-guarantee etc.)
- NOK 750
Remaining debt statement or copy of documents (per loan)
- NOK 250
Construction loan per invoice
- NOK 35
Other prices for consumer credit
Transfer from consumer financing to account, self-service by customer
- NOK 0
Transfer from consumer financing to account, performed by customer centre
- NOK 75
Private leasing
Forwarding of fines
- NOK 250
AutoPASS invoice with no additional fee from issuer
- NOK 125
AutoPASS invoice with additional fee from issuer
- NOK 250
Re-invoicing of claims sent to debt collection
- NOK 250
Late payment/deferred payment
Reminder (1st reminder)
- NOK 35
Collection notification (2nd reminder)
- NOK 35
Payment request (3rd reminder)
- NOK 105
Home mortgages – floating interest rate up to 75% of market value
- Nominal floating interest rate from 6.15 %, annual percentage rate of charge (APRC) from 6.40 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 13 135. The total amount payable would be NOK 3 943 690 made up of the loan amount plus interest of NOK 1 943 690. Presupposes a mortgage on the home
First home mortgages
- 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. Presupposes a mortgage on the home.
Home equity credit lines
- Nominal floating interest rate from 6.15 %, annual percentage rate of charge (APRC) from 6.40 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 1