Prices and Interest Rates for Loans

AN INTEREST RATE TAILORED TO YOUR FINANCES

Personal advisory services are important to us. And as part of our personal advisory services, we offer individual interest rates on mortgages with variable rates. This is a loan interest rate calculated based on your finances.

The loan interest rate you receive is influenced by factors including the loan amount, equity and your overall financial situation. In addition, market and competitive conditions will play a role.

There are numerous personal factors behind the individual interest rate. And many of our customers receive an interest rate that is lower than what we call the list price*.

We believe it is right that your loan interest rate is based on your finances. Because no two financial situations are the same, but all are equally important.

*The list price is the indicative interest rate you can see on dnb.no, and which is used in media and consumer tests.

Mortgage (repayment loan, variable rate)

Mortgage Ung (Young Adults)

First home loan

Green mortgage

Green Loan

Other mortgages

Construction loan

Fixed-rate loan

Green fixed-rate loan

Fixed-rate loan Ung (Young Adults) and SAGA

3 years: Nominal interest from 5.49 %, operating interest rate 5.70 %.
5 years: Nominal interest from 5.39 %, operating interest rate 5.60 %.
10 years: Nominal interest from 5.29 %, operating interest rate 5.49 %.

For SAGA, the price is 0.10 percentage points higher for security outside residential mortgages.

The price may change at short notice. Your price is determined on the day we disburse the loan.

Fixed-rate loan other customers

3 years: Nominal interest from 5.54 %, operating interest rate 5.76 %.
5 years: Nominal interest from 5.44 %, operating interest rate 5.65 %.
10 years: Nominal interest from 5.34 %, operating interest rate 5,55 %.

For security outside residential mortgage lending, the price is 0.10 percentage points higher.

The price may change at short notice. Your price is determined on the day we disburse the loan.

Home equity credit line (HELOC)

Green home equity credit line (HELOC)

Other home equity credit line (HELOC)

Car Loan Price List

Green Car Loan

Car Loans for Young Adults

SAGA car loan

Secured car loan

Other car loans

Price list for boat, motorcycle and caravan

Boat loan

Caravan loan

Motorcycle loan, snowmobile loan and ATV loan

Price list unsecured loans

Consumer loan

Other prices and pricing examples for loans

Other loan prices

Establishment

Green loan

NOK 0

Mortgage, fixed-rate loan, home equity credit line (HELOC) - as at sak

From NOK 2 190

Construction loan

NOK 5 000 - 20 000

Consumer loan and SAGA consumer loan

From NOK 500

Deducted from approved line of credit

Car loan SAGA

NOK 2,300

Other car loans

NOK 2,500

Loan for boat under seven metres

NOK 3,700

Loan for boat over seven metres

NOK 2,500

Instalment costs for loans

Mortgage, fixed-rate loan

NOK 65

Home equity credit line (HELOC)

NOK 65(Instalment costs are charged even if the balance on the credit line is 0)

Car loan

NOK 65

Green Car Loan

NOK 65

Consumer loan/SAGA consumer loan

eFaktura (eInvoice) NOK 0
Invoice sent by post NOK 10

Collateralisation for loan

Custody fees

As collateral (real property, title deeds): NOK 1 000

Surety, pledge in bank deposits, guarantee, funds or shares: NOK 500

The cost of establishing a pledge in a share-based housing cooperative is determined by the property manager.

Public registration fees

Real estate, housing cooperative share

NOK 545

Car, motorcycle and caravan - electronic

NOK 1 034

Car, motorcycle and caravan - paper

NOK 1 491

Other mortgage prices

Change payment account, payment date, reduce repayment period, remove security with early repayment charge (ERC), debtor transfer (change of borrower)

NOK 0

Simple changes (payment holiday, extending repayment period, etc.)

NOK 0

Comprehensive changes (to fixed interest rate, priority waivers, mortgage release, change of security or joint debtor, etc.)

NOK 750

Outstanding balance statement or copy of documents (per loan)

NOK 250

Construction loan as at invoice

NOK 35

Other consumer finance prices

Transfer from consumer finance to account, self-service by customer

NOK 0

Transfer from consumer finance to account, carried out by customer service

NOK 75

Private rental

Forwarding of fine

NOK 250

AutoPASS invoice without additional fee from issuer

NOK 125

AutoPASS invoice with additional fee from issuer

NOK 250

Re-invoicing of claims transferred to debt collection

NOK 250

Late payment

Reminder (first notice)

NOK 38

Debt collection notice (second notice)

NOK 38

Payment demand (third notice)

NOK 113

All price examples

Mortgage - floating rate up to 75% of market value

Nominal floating interest rate from 5.90%, annual percentage rate of charge (APRC) from 6.14%. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 829. The total amount payable would be NOK 3 851 890 made up of the loan amount plus interest of NOK 1 851 890.

Home equity credit line (HELOC)

Nominal floating interest rate from 5.84%, annual percentage rate of charge (APRC) from 6.04%. Annuity loan NOK 4 000 000 o/25 years with monthly payment NOK 25 447. The total amount payable would be NOK 7 637 290 made up of the loan amount plus interest of NOK 3 637 290.

Fixed-rate loan 3 years

Nominal interest from 5,54 %, operating interest rate 5,76 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12394 per month. Cost NOK 1 721 390, total NOK 3 721 390.

Fixed-rate loan 5 years

Nominal interest from 5,44 %, operating interest rate 5,65 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12275 per month. Cost NOK 1 685 690, total NOK 3 685 690.

Fixed-rate loan 10 years

Nominal interest from 5,34 %, operating interest rate 5,55 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12156 per month. Cost NOK 1 649 990, total NOK 3 649 990.

Fixed-rate loan Ung (Young Adults) 3 years

Nominal interest from 5,49 %, operating interest rate 5,70 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12334 per month. Cost NOK 1 703 390, total NOK 3 703 390.

Fixed-rate loan Ung (Young Adults) 5 years

Nominal interest from 5,39 %, operating interest rate 5,60 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12215 per month. Cost NOK 1 667 690, total NOK 3 667 690.

Fixed-rate loan Ung (Young Adults) 10 years

Nominal interest from 5,29 %, operating interest rate 5,49 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12097 per month. Cost NOK 1 632 290, total NOK 3 632 290.

Green mortgage/Green home equity line of credit (HELOC)

Nominal floating interest rate from 5.24%, annual percentage rate of charge (APRC) from 5.44%. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 038. The total amount payable would be NOK 3 614 590 made up of the loan amount plus interest of NOK 1 614 590.

Green fixed-rate loan 3 years

Nominal interest from 5,39 %, operating interest rate 5,58 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12215 per month. Cost NOK 1 664 500, total NOK 3 664 500.

Green fixed-rate loan 5 years

Nominal interest from 5,29 %, operating interest rate 5,48 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12097 per month. Cost NOK 1 629 100, total NOK 3 629 100.

Green fixed-rate loan 10 years

Nominal interest from 5,19 %, operating interest rate 5,37 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11979 per month. Cost NOK 1 593 700, total NOK 3 593 700.

SAGA fixed-rate loan 3 years

Nominal interest from 5,49 %, operating interest rate 5,70 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12334 per month. Cost NOK 1 703 390, total NOK 3 703 390.

SAGA fixed-rate loan 5 years

Nominal interest from 5,39 %, operating interest rate 5,60 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12215 per month. Cost NOK 1 667 690, total NOK 3 667 690.

SAGA fixed-rate loan 10 years

Nominal interest from 5,29 %, operating interest rate 5,49 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12097 per month. Cost NOK 1 632 290, total NOK 3 632 290.

Consumer loan

Nominal interest rate 10.9%, effective interest rate 11.7%, NOK 100 000 over five years, establishment fee NOK 500. Cost NOK 30 806. Total NOK 130 806.

SAGA consumer loan

Nominal interest rate 10.9%, effective interest rate 11.7%, NOK 100 000 over five years, establishment fee NOK 500. Cost NOK 30 806. Total NOK 130 806.

Car loans for young adults with 35% equity

Nominal interest rate 6,49 %, eff. Interest rate 8,43 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 999 per month Cost: NOK 32 453 total: NOK 182 453.

Car loans for young adults with 20% equity

Nominal interest rate 7,15 %, eff. Interest rate 9,14 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 046 per month Cost: NOK 35 248 total: NOK 185 248.

Car loans for young adults without equity

Nominal interest rate 8,15 %, eff. Interest rate 10,22 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 117 per month Cost: NOK 39 520 total: NOK 189 520.

Car loan and secured car loan® with 35% equity

Nominal interest rate 6,59 %, eff. Interest rate 8,54 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 006 per month Cost: NOK 32 875 total: NOK 182 875.

Car loan and secured car loan® with 20% equity

Nominal interest rate 7,25 %, eff. Interest rate 9,24 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 053 per month Cost: NOK 35 674 total: NOK 185 674.

Car loan and secured car loan® without equity

Nominal interest rate 8,25 %, eff. Interest rate 10,33 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 124 per month Cost: NOK 39 966 total: NOK 189 966.

Green Car Loan with 35% equity

Nominal interest rate 6,49 %, eff. Interest rate 8,43 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 999 per month Cost: NOK 32 453 total: NOK 182 453.

Green Car Loan with 20% equity

Nominal interest rate 7,15 %, eff. Interest rate 9,14 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 046 per month Cost: NOK 35 248 total: NOK 185 248.

Green Car Loan without equity

Nominal interest rate 8,15 %, eff. Interest rate 10,22 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 117 per month Cost: NOK 39 520 total: NOK 189 520.

SAGA Car Loan and SAGA Platinum with 35% equity

Nominal interest rate 6,49 %, eff. Interest rate 8,37 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 999 per month Cost: NOK 32 253 total: NOK 182 253.

SAGA Car Loan and SAGA Platinum with 20% equity

Nominal interest rate 7,15 %, eff. Interest rate 9,07 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 046 per month Cost: NOK 35 048 total: NOK 185 048.

SAGA Car Loan and SAGA Platinum without equity

Nominal interest rate 8,15 %, eff. Interest rate 10,15 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 117 per month Cost: NOK 39 320 total: NOK 189 320.

Boat loan over 7 metres with 35% equity

Nominal interest rate 7,45 %, eff. Interest rate 9,46 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 067 per month Cost: NOK 36 520 total: NOK 186 520.

Boat loan over 7 metres with less than 35% equity

Nominal interest rate 8,20 %, eff. Interest rate 10,26 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 120 per month Cost: NOK 39 700 total: NOK 189 700.

Boat loan under 7 metres with 35% equity

Nominal interest rate 8,34 %, eff. Interest rate 10,80 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 130 per month Cost: NOK 41 500 total: NOK 191 500.

Boat loan under 7 metres with less than 35% equity

Nominal interest rate 9,25 %, eff. Interest rate 11,80 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 196 per month Cost: NOK 45 460 total: NOK 195 460.

Caravan with 35% equity

Nominal interest rate 6,59 %, eff. Interest rate 8,54 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 006 per month Cost: NOK 32 875 total: NOK 182 875.

Caravan with 20% equity

Nominal interest rate 7,25 %, eff. Interest rate 9,24 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 053 per month Cost: NOK 35 674 total: NOK 185 674.

Caravan without equity:

Nominal interest rate 8,25 %, eff. Interest rate 10,33 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 124 per month Cost: NOK 39 966 total: NOK 189 966.

Motorcycle, snowmobile and ATV with 35% equity

Nominal interest rate 7,30 %, eff. Interest rate 9,29 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 056 per month Cost: NOK 35 860 total: NOK 185 860.

MC, snowmobile and ATV with 20% deductible

Nominal interest rate 8,60 %, eff. Interest rate 10,70 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 149 per month Cost: NOK 41 440 total: NOK 191 440.

MC, snowmobile and ATV without equity

Nominal interest rate 9,05 %, eff. Interest rate 11,20 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 182 per month Cost: NOK 43 420 total: NOK 193 420.

The price examples are calculated in accordance with guidelines from the authorities, and are based on several assumptions. The effective interest rate and costs for your loan are influenced by, among other things, the loan amount, repayment period, any interest-only period(s), fees and nominal interest rate.

Compare our prices with other companies on Finansportalen.no

The indicative prices for mortgage Ung (Young Adults) and home mortgages for young adults Start apply only to loans for primary residence and require that the security qualifies for DNB Boligkreditt.

The indicative prices for mortgages within 75% and home equity credit line (HELOC) within 60% apply to loans for own home and require that the security qualifies for DNB Boligkreditt. For loan-to-value ratios exceeding 75% (exceeding 60% for revolving credit facilities), loans for second homes, or where the security does not qualify for Boligkreditt, the interest rate is 0.10 percentage points higher.

The vast majority of properties qualify for DNB Boligkreditt. Some exceptions are holiday homes, secondary/rental properties, undeveloped land and agricultural properties with residential sections.

DNB Boligkreditt private limited company (AS) is a wholly owned subsidiary of DNB Bank ASA. DNB Boligkreditt provides loans to private individuals and self-employed persons who pledge their own residential property up to 75% of prudent market value.

Prices and Interest Rates for Loans

AN INTEREST RATE TAILORED TO YOUR FINANCES

Mortgage (repayment loan, variable rate)

Fixed-rate loan

Home equity credit line (HELOC)

Car Loan Price List

Price list for boat, motorcycle and caravan

Price list unsecured loans

Other prices and pricing examples for loans

Other price lists