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Norwegian Nurses Organisation (NSF)

We care a little extra for those who care about others. Therefore, as a member of NSF, you receive extra favourable terms. Several of the benefits apply to you and your family.

Some of the benefits for NSF members

Hege Rovik Rotevatn
  • One of the market's best mortgage rates*
  • Highly favourable insurance policies
  • Car loans at member’s prices
  • Lawyer services from Ally**
  • Credit cards with no annual fees
  • Access to a range of events

* From Nominal interest rate 5,44%, effective interest rate 5,63%

** As a DNB programme customer

Home mortgages for NSF members

NSF logo black

Apply for financing and receive assistance on your housing journey with an extra favourable interest rate as a member of the Norwegian Nurses Association.

We offer the lowest interest rates for young people, but also have favourable conditions for ordinary home mortgages and home equity credit lines.

Price example First home mortgage

Nominal floating interest rate from 5.44 %, annual percentage rate of charge (APRC) from 5.63 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 275. The total amount payable would be NOK 3 682 500 made up of the loan amount plus interest of NOK 1 682 500. The total amount payable would be NOK 3 593 700 made up of the loan amount plus interest of NOK 1 593 700. Presupposes a mortgage on the home.

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Car loans

As a member of the Norwegian Nursing Association, you can get a car loan on favourable terms from DNB. You can borrow up to the entire purchase price and choose the repayment period, up to a maximum of 10 years.

Call us on 915 04800 for a great offer.

Price example, Car loan: Nominal interest rate 6,74 %, eff. Interest rate 8,62 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 016 per month Cost: NOK 33 260 total: NOK 183 260.

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Insurance for NSF members

On behalf of its members, the Norwegian Nursing Association has negotiated very beneficial benefits for insurance policies with us at DNB, provided by our insurance company Fremtind.

You can get both collective insurance and individual insurance at DNB, through your NSF membership. As an insurance customer, you can rely on us for insurance policies that we offer, whether you are going to buy, make changes or need an insurance adviser.

Insurance such as the NSF life insurance package and student insurance can only be obtained through your NSF membership. In addition, you must contact NSF for purchases and questions about NSF’s liability insurance.

Questions about insurance

Your collective insurance policies

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Looking for other insurance policies?

Even though you have access to many good collective insurance policies at DNB through your NSF membership, many people need to insure more of what they care about.

As an NSF member, you get attractive multi-policy discounts on individual non-life insurance policies with us, up to 25%.

The way you get a discount is simple: You get 5% discount per valid category insurance you have, in addition to a 5% discount for being a customer at the bank and 5% in your NSF membership.

Cars and vehicles

We have insurance for your car, camper van, motorcycle, boat, trailer, snowmobile, electric bike and more.
See insurance policies for vehicles.

Life and health

Maybe you want more than the collective group life insurance offers? Should your health fail, personal insurance gives you and your family financial security
See personal insurance policies

Home

Are you insuring your house, cabin, or property under construction?
See home insurance policies

Pets

Insurance for dogs, horses and cats.
See pet insurance

Valuables

Insurance for high-value items you are afraid of losing.
See valuables insurance

Do you need help with insurance?

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Have you had an accident or a damage?

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See your collective insurance policies

You can view the collective insurances you have by logging into your account on the NSF's website.

Price list for NSF members

Home mortgages

First home mortgages

Up to 85% of the value of the property

  • Nominal interest rate 5,44%, effective interest rate 5,63%

Boliglån Ung (Home mortgage for young adults)

Up to 85% of the value of the property

  • Nominal interest rate 5.44 %, effective interest rate 5.63 %

Mortgages innearly 75% of the home’s value

  • Nominal interest rate 5.69 %, effective interest rate 5.90 %

Home mortgages up to 85% of the value of the property

  • Nominal interest rate 5.64 %, effective interest rate 5.84 %

Home equity credit lines

Up to 60% of the value of the property

  • Nominal interest rate 5.64 %, effective interest rate 5.84 %

Fixed-rate loans 3 year

  • 3 years: Nominal interest rate from 4.39 %, eff. interest rate 4.54 %

Fixed-rate loans 5 years

  • 5 years: Nominal interest rate from 4,24 %, eff. interest rate 4,38 %

Fixed-rate loans 10 years

  • 10 years: Nominal interest rate from 4.44 %, eff. interest rate 4.59 %

Costs of home mortgage, home equity credit line and fixed-rate loan

Set-up fees

NOK 0

Deposit fees

NOK 0

Instalment fees

NOK 65

On home equity credit lines, instalment fees are only charged if the balance is 0

Car loans

Equity 35% or more

  • Nominal interest rate 6.74 %, APR 8.62%

Equity between 35 and 20%

  • Nominal interest rate 7.40 %, APR 9.34 %

Equity less than 20%

  • Nominal interest rate 8.40 %, APR 10.42 %

Set-up fees

NOK 2300

Instalment fees

NOK 65

Saving

The guide prices for Young Adult Home Mortgages and Start home mortgages for young adults only apply to loans for primary residences and assume that the security qualifies for DNB Boligkreditt (Housing Credit).

The guide prices for home mortgages up to 75% and home equity credit lines up to 60% apply to loans and assume that the security qualifies for DNB Boligkreditt (Housing Credit). For loan-to-value ratios above 75% (above 60% for home equity credit lines), loans to second homes, or where the security does not quality for Boligkreditt, the interest rate is 0.10 percentage points higher.

Most homes qualify for DNB Boligkreditt. Some exceptions are holiday homes, secondary/rental homes, undeveloped land and agricultural properties with a residential section.

DNB Boligkreditt AS is a wholly-owned subsidiary of DNB Bank ASA. DNB Boligkreditt gives loans to private individuals and independent business owners who mortgage their own residential property up to 75% of well-founded market value.

Price examples for loans are calculated on the basis of guidelines from the authorities, and are based on several factors. Among other things, the APR and total costs of your loan are affected by the loan amount, repayment period, any interest-only period, costs and the nominal interest rate.

The prices are set based on the agreement with the member organization and assume that you actively use DNB as the main bank, with a salary account, online bank and card.

Price examples

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