A pre-qualification letter or loan confirmation is a confirmation from the bank of the desired loan requirement so you can act quickly when you find the car you want to buy. The loan confirmation is valid for 3 months.
A loan confirmation is great to have if you are unsure about which car to buy, but want to know if you can get a loan.
Apply for a pre-qualification letter here. You can also log in to the online bank and apply there.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"How do I convert a loan confirmation to a loan?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"You will find your loan confirmation under “My loans and credit cards” in the online bank. Click the gear icon and select “change”. Enter the correct price, registration number and information about the car. Remember to re-submit your form. It is important that you sign the loan documents before you re-register and take possession of the vehicle.
To upload a purchase contract, go to “Banking and loans” - “My loans and credit cards”. Click the gear icon and “Loan details”. Further down on the side, you will see “submit signed purchase contract”.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"There is a charge on the car, what should I do?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"We always release the charge and pay any remaining balance to the seller. If the charge is larger than the loan, the seller must first pay the amount that exceeds the loan and send confirmation to us. We then settle the outstanding debt.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"How do we make settlement in a situation like this?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"When DNB Finans has received all of the signed documents, as well as a copy of the signed purchase contract and the correct copy of confirmed proof of identity, the loan will be paid to the seller provided there is no charge on the car. Confirmation to the seller can be found with the loan documents.
The loan will be transferred to the seller when the car is registered to a new owner. Car loan Set up can help confirm this to the seller.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"How much can I borrow as a car loan?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"You can borrow a maximum of 100% of the sales price stated on the purchase contract.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Can I apply for a loan for other items than a car?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"Yes, for example a boat or a motorcycle. It must be possible to register the secured item in the Brønnøysund Register or the Ship Register if the boat is over seven metres long. Contact us about loans for other items such as lorries, tractors and excavators.
Ta kontakt for finansiering av andre gjenstander.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Is there any limit associated with the age of the car?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"The car cannot be more than 15 years old when it is paid off. For example, if you buy a 10-year-old car, you can only repay it over 5 years.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"I have a car loan with another bank, can I move it DNB?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"No, unfortunately we do not offer transfers of car loans from other banks.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"I’m going to buy a car from someone I live with, can I get a car loan?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"No, unfortunately we cannot offer a car loan when the buyer and seller live at the same address. This is because we cannot use the car a security under such an arrangement.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"I have a car without any charges – can I take out a loan using it as security?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"No, unfortunately it is not possible to take out a loan secured on a car you already own.
\\\"}}]}\"]"},"content":"{\"sections\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"description\":\"Useful tips and advice on what you should consider when buying a car on the private market.\",\"title\":\"Buying a car privately\",\"isTranslated\":true,\"_meta\":{\"id\":\"pageTitle\",\"anchorId\":\"af9e8bb01-ff1c-4c26-b875-0f560889b442\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"image\",\"isTranslated\":true,\"images\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":true,\"height\":4970,\"altText\":\"Young couple buying a car\",\"dynamicMediaPath\":\"dnbbank/3293614\",\"isVector\":false,\"variation\":\"small\",\"id\":\"/content/dam/brandcentre/no/7/32/93/6/3293614.jpg\",\"width\":7726,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"mobile\":\"\",\"tablet\":\"\",\"standard\":\"Wide-1\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/3293614\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3293614\",\"profiles\":{\"Wide-1\":{\"base64\":\"data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEASABIAAD/2wCEAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSgBBwcHCggKEwoKEygaFhooKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKP/AABEIAAsAFAMBIgACEQEDEQH/xABqAAADAQEAAAAAAAAAAAAAAAAAAwgFBxAAAQMEAQQDAQAAAAAAAAAAAQIDBAAFESEGBxJBcRMiMTIBAQEBAAAAAAAAAAAAAAAAAAMBAhEAAgEDBQAAAAAAAAAAAAAAAAECAxFhEhMUISL/2gAMAwEAAhEDEQA/AMfl1/uErhdnuMGVJet6spW73D5G1HGlHG9gj2N0pmRxq4Wu3yuY2yVcbk2nSjKLbSUhRHaEoSAAcZPk5/aayw1D6WzWo6AhsxFulJ39j53XGYc+U68tLj61JS2AAToaFSVHW/LsZhUsu0UxB65Q7RFbhW+ww48VoYbbZJSlI9YFFTK6+53/ANqoouNljbuD/9k\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/3293614:Wide-1?qlt=100,0&resMode=sharp2&op_usm=1.75,0.3,2,0&fit=constrain,1&wid=7726\"}}}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can save a lot of money by handling the process yourself when you need to buy a car privately. 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This is a legally binding agreement between buyer and seller that sets out the terms of the sale. The purchase agreement should include information about the parties involved, details about the vehicle, payment terms, price and any warranties or conditions. It is also advisable to include a clause stating that the sale is conditional upon a successful check of the vehicle information and a possible inspection of the car. 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Even though insurance is mandatory, it does not mean you must have all types of cover. You must have liability insurance, which means you are covered for damage to others' property but not your own car. If you also need cover for your own car, you will require mini comprehensive insurance, semi-comprehensive insurance or fully comprehensive insurance. You can \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"see the benefits and what the different insurance policies cover\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/forsikring/bilforsikring\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/forsikring/bilforsikring\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" to find what suits you best. \",\"isTranslated\":true}]}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"a7077824b-93a4-4acd-84ba-1373266be6d7\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"priceContent\",\"isTranslated\":true,\"sectionTitle\":\"\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Re-registering the car in your name \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Once you have purchased the car, it is important to have it re-registered in your name. 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Always check for encumbrances on the car, draw up a purchase agreement, consider financing options, choose the right car insurance and register it before using the car. Check vehicle information for extra peace of mind and ensure correct re-registration of the car.\",\"isTranslated\":true}]}],\"images\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"height\":3968,\"altText\":\"Woman satisfied with her car purchase\",\"dynamicMediaPath\":\"dnbbank/3514124\",\"isVector\":false,\"variation\":\"small\",\"id\":\"/content/dam/brandcentre/no/7/35/14/1/3514124.jpg\",\"width\":6528,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"mobile\":\"\",\"tablet\":\"\",\"standard\":\"Wide-1\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/3514124\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3514124\",\"profiles\":{\"Wide-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/3514124:Wide-1?fit=constrain,1&wid=6528\"}}}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"abe83f814-1120-4ea5-9990-e03036f64ed6\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorTag\":\"sjekkliste\",\"title\":\"Checklist when you buy a car\",\"isTranslated\":true,\"process\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Find a car\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You should have an idea of what your needs and wants are, and do not forget to think through how much money you wish to spend.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You must include insurance, fuel, taxes and maintenance in your calculations. Remember that an older, slightly cheaper car can quickly become expensive to own.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you are planning to buy a car with a car loan, it is wise to apply for financing before you meet the seller. You can then document to the seller that you have the money needed to buy the car for sale. The proof is non-binding and can be converted into a loan within three months of receiving it from the bank.\",\"isTranslated\":true}]}]],\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Inspect the car you want to buy\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Safe car buying starts with inspecting the car you want to buy. This applies whether you are buying a car from a private individual or from a professional car dealer.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Read the car advert carefully\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"This is important to avoid misunderstandings. You cannot complain afterwards about what is stated in the advert. You should therefore have a good overview of the equipment the car is delivered with. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the advert is incomplete or you have questions, you can contact the seller for clarification.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Ask if the car is a used import\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Cars imported used from abroad are not necessarily adapted to Nordic conditions. This may include heated seats, type of lights, battery heating, and other equipment for Norwegian weather and road conditions.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Check that services have been followed and obtain the car's workshop history\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A well-maintained car should have been serviced regularly and had wear parts replaced. You can check the car's service book when you test drive, in addition to asking the seller.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You should also get an answer as to whether the car has been involved in a collision or sustained major damage.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Find vehicle information\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check whether the car is EU-approved and when the next approval deadline is, that the ownership details are correct, the number of owners, as well as other vehicle information such as mileage and model year at \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"vegvesen.no\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.vegvesen.no/kjoretoy/kjop-og-salg/kjoretoyopplysninger/sjekk-kjoretoyopplysninger/\",\"href\":\"https://www.vegvesen.no/kjoretoy/kjop-og-salg/kjoretoyopplysninger/sjekk-kjoretoyopplysninger/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Encumbrances\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check whether there is any debt registered on the car in the \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Brønnøysund Register Centre\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.brreg.no/tinglysing/heftelser-i-bil-og-andre-kjoretoy/\",\"href\":\"https://www.brreg.no/tinglysing/heftelser-i-bil-og-andre-kjoretoy/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Have you found a car you want to buy? Remember to test drive it before you sign the purchase agreement and buy both car insurance and the car.\",\"isTranslated\":true}]}]],\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Check if there is debt on the car\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You need to know if there is debt – so-called encumbrances – on the car you want to buy. The debt registered on the car follows the car, not the owner. Encumbrances are registered on the car when the owner has borrowed money with the car as security.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the debt registered on the car is not paid, you risk, in the worst case, that the car you have bought will be forcibly sold, or that you will have to pay off a loan someone else has taken out on it.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can check encumbrances on the car at the \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Brønnøysund Register Centre\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.brreg.no/tinglysing/heftelser-i-bil-og-andre-kjoretoy/\",\"href\":\"https://www.brreg.no/tinglysing/heftelser-i-bil-og-andre-kjoretoy/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}]],\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Test drive the car\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You should always test drive the car before you buy it. If you are unsure what to look and listen for when testing the car, it may be wise to bring someone with car expertise or have a checklist of what you must be aware of.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Remember to check whether the car is insured before you test drive it.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"External inspection of the car\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Buying an electric car? Check that it charges as expected and that the charging socket is free from damage.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Walk around the car a few times and look for paint and rust damage, as well as dents.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Are all the windows intact and free from scratches or stone chips?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check that all lights are working: parking lights, full beam, dipped beam, indicators, and brake lights.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Inspect the car's tyres: pay close attention to the tread depth and note whether they are worn evenly.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check under the bonnet: pay particular attention to any leaks.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check the car's oil level.\",\"isTranslated\":true}]}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Internal inspection of the car\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Check that all equipment is included: spare wheel, warning triangle, tools, instruction manual and number of keys.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If a roof box or roof rack is included, you should check that it works as intended.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Note any wear on seats, interior, belts, console and boot.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Familiarise yourself with the car's systems.\",\"isTranslated\":true}]}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"During the test drive\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Drive the car at different speeds and on different road types, preferably on a slightly longer trip than just around the neighbourhood.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Does the car start without problems?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Listen for abnormal engine noises.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Does the steering wheel or car vibrate? 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The loan confirmation is valid for 3 months.\"}],\"_meta\":{\"id\":\"richText\"}},{\"type\":\"paragraph\",\"children\":[{\"text\":\"\"}],\"_meta\":{\"id\":\"richText\"}},{\"type\":\"paragraph\",\"children\":[{\"text\":\"A loan confirmation is great to have if you are unsure about which car to buy, but want to know if you can get a loan.\"}],\"_meta\":{\"id\":\"richText\"}},{\"type\":\"paragraph\",\"children\":[{\"text\":\"\"}],\"_meta\":{\"id\":\"richText\"}},{\"type\":\"paragraph\",\"children\":[{\"text\":\"\"},{\"type\":\"link\",\"children\":[{\"text\":\"Apply for a pre-qualification letter here\"}],\"link\":{\"url\":\"https://www.dnb.no/segp/appo/skfo/apply/car?chRef1=DNB.NO&chRef2=STAND\",\"openInNewTab\":false,\"href\":\"https://www.dnb.no/segp/appo/skfo/apply/car?chRef1=DNB.NO&chRef2=STAND\"}},{\"text\":\". You can also log in to the online bank and apply there.\"}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}},{\"question\":\"How do I convert a loan confirmation to a loan?\",\"text\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\"You will find your loan confirmation under “My loans and credit cards” in the online bank. Click the gear icon and select “change”. Enter the correct price, registration number and information about the car. Remember to re-submit your form. It is important that you sign the loan documents before you re-register and take possession of the vehicle. \"}]},{\"type\":\"paragraph\",\"children\":[{\"text\":\"To upload a purchase contract, go to “Banking and loans” - “My loans and credit cards”. Click the gear icon and “Loan details”. Further down on the side, you will see “submit signed purchase contract”.\"}]}],\"_meta\":{\"id\":\"faq\"}},{\"question\":\"There is a charge on the car, what should I do?\",\"text\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\"We always release the charge and pay any remaining balance to the seller. If the charge is larger than the loan, the seller must first pay the amount that exceeds the loan and send confirmation to us. We then settle the outstanding debt.\"}]}],\"_meta\":{\"id\":\"faq\"}},{\"question\":\"How do we make settlement in a situation like this?\",\"text\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\"When DNB Finans has received all of the signed documents, as well as a copy of the signed purchase contract and the correct copy of confirmed proof of identity, the loan will be paid to the seller provided there is no charge on the car. Confirmation to the seller can be found with the loan documents. \"}]},{\"type\":\"paragraph\",\"children\":[{\"text\":\"\"}]},{\"type\":\"paragraph\",\"children\":[{\"text\":\"The loan will be transferred to the seller when the car is registered to a new owner. Car loan Set up can help confirm this to the seller.\"}]}],\"_meta\":{\"id\":\"faq\"}},{\"question\":\"How much can I borrow as a car loan?\",\"text\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\"You can borrow a maximum of 100% of the sales price stated on the purchase contract.\"}]}],\"_meta\":{\"id\":\"faq\"}},{\"question\":\"Can I apply for a loan for other items than a car?\",\"text\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\"Yes, for example a boat or a motorcycle. It must be possible to register the secured item in the Brønnøysund Register or the Ship Register if the boat is over seven metres long. Contact us about loans for other items such as lorries, tractors and excavators.\"}]},{\"type\":\"paragraph\",\"children\":[{\"text\":\"Ta kontakt for finansiering av andre gjenstander.\"}]}],\"_meta\":{\"id\":\"faq\"}},{\"question\":\"Is there any limit associated with the age of the car?\",\"text\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\"The car cannot be more than 15 years old when it is paid off. 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