Help for loans

Many people have questions about

When your financing has been approved, you will receive a pre-qualification letter from us. This letter guarantees that your financing is in place, so you can take part in a bid round.

The pre-qualification letter is valid for 3 months and can be renewed.

The pre-qualification letter is valid for 3 months and you can renew it by contacting the adviser at DNB who handled your pre-qualification letter.

If you cannot get hold of the adviser, you can call us on +47 915 04800.

You’ll find the pre-qualification letter in the mobile banking app and in the online bank under My loans and credit cards.

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This is how you do it

If you would like to fix the interest rate on your loan, you can chat with us or contact us on +47 915 04800. We’ll check if the loan can have a fixed interest rate and send you an agreement.
When we receive a signed agreement from you, we register the new interest rate and lock-in period you want.
We will send you a confirmation of the new terms and conditions.
When we register the fixed rate agreement for your loan, we will use the price that applies for fixed rate loans that day.
For your peace of mind, we will contact you if the price has increased by 0.10 percentage points or more relative to that stated in the agreement.
You will then have the opportunity to decide whether you still want to fix the interest rate. If our price is lower than stated in the agreement you sent in, you will of course get the lower price.

Pay it like a normal bill, entering the loan number as the account number.
Tip! If you pay 4 days or closer before the due date, the payment will also cover the normal instalment.
Log in using the link below.
Click on the gear icon next to the loan you want to make an additional payment on.
Enter the desired amount and confirm the payment.

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Tips

If you redeem your home mortgage, it can take several days before the next payment is removed in the payment list.

Questions and answers

As a co-borrower of a home mortgage, you are jointly and severally liable for ensuring the entire loan is repaid. This means that each and every borrower is responsible for the entire loan.

To add a co-borrower to an existing home loan, you need to apply for a new loan.
If you want to remove the co-borrower from a home loan application, you can send us a new application, selecting I am the sole borrower.
When an adviser calls you, tell them which application is the right one.

Joint debt is debt that belongs to a housing cooperative, and everyone who has an occupancy right or share of an apartment in a housing cooperative, also owns a share of the debt.

The debt is often taken out to carry out works on the housing cooperative that will benefit all of the apartments or residents, for example renovating bathrooms, replacing windows, refurbishing the facade or building balconies. You repay the joint debt monthly along with the joint expenses. High joint debt also means high rent.

NB! Joint debt counts as part of your debt and has an impact on how much you can borrow from the bank.

home mortgage

Home mortgage

When you make additional payments on the home mortgage, the monthly amount will be lower in future. The repayment period will remain the same as before.
Pay it like a normal bill, entering the loan number as the account number.
Tip! If you pay 4 days or closer before the due date, the payment will also cover the normal instalment.
Log in using the link below.
Click on the gear icon next to the loan you want to make an additional payment on.
Enter the desired amount and confirm the payment.

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Questions and answers

Annuity loans An annuity loan means that you repay the loan in equal amounts every month until the loan is paid down – and this is the most common form of loan. At the beginning, the instalment/principal repayment part is small, while the interest rate part is large. As time passes, the instalment part increases and the interest rate part decreases. Because you pay the same amount every month, annuity loans make it easier to keep track of your finances. If the interest rate changes, the monthly amount also changes, but that’s the same for all loans – unless you choose to fix the interest rate.

Serial loan is a loan where the amount you pay down on the loan, i.e. the principal part, is the same every month. But because the loan gets smaller, the interest portion per month will be lower. With a serial loan, you pay more at the beginning of the loan period and less over time.

More about home mortgages

home equity credit lines

Home equity credit lines

When you make extra payments against the home equity credit line, the instalment amount is reduced. The term is the same as before.
Pay it like a normal bill, entering the loan number as the account number.
Tip! If you pay 4 days before or closer to the due date, the payment will also cover the normal instalment.
Log in to the online bank using the link below.
Click on the gear icon next to the loan you want to make an additional payment on.
Enter the desired amount and confirm the payment.

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When you transfer from the home equity credit line to your account, the instalment amount increases. The term is the same as before.
If there are multiple people taking out a home equity credit line together, both the main borrower and the co-borrowers will be able to see the loan details and transfer free of charge from the home equity credit line to their individual online bank.
Log in using the link below.
Click on the gear icon next to the home equity credit line.

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For security reasons, there is a general maximum limit of NOK 300 000 for transfers in the online bank.
You can increase the limit to NOK 5 000 000
This applies to all transfers, both from and account and from a home equity credit line, and applies to one calendar month.
Log in using the link below.
If you want a higher limit, you can send us a message via the online bank messaging service, or contact us by chat. You can also call us at +47 915 04800.

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Questions and answers

It’s usually a normal home mortgage, but with much greater flexibility for you. For example, if you have a home worth 2 million, you can borrow up to 60% of the value of the home. So, that is 1.2 million. If you only have a loan of 1 million today, this means you have 200 000 that you can use for whatever you want.

When you’ve settled your home equity credit line, you can borrow up to the limit again without talking to us about it. The money within the limit is at your disposal. Urgently need to spruce up the bathroom or buy a sailboat? Consider it done.

You can make up to 10 transfers per day and there is no minimum withdrawal.

For security reasons, a general maximum limit of NOK 300 000 has been set for transfers in the online bank. This applies to all transfers, both from and account and from a home equity credit line, and applies to one calendar month.

You can increase the limit to NOK 5 000 000 under Settings - Change limit in the main menu.

If you want a higher limit, you can send us a message via the online bank messaging service, or contact us by chat. You can also call us at +47 915 04800.

fixed-rate loans

Fixed-rate loans

About 6 weeks before the expiry date, you’ll receive an online reminder, with an indication of our prices for a new fixed rate and a variable rate.
Three weeks before the expiry date, you will then receive a binding offer from us. We’ll send this to you by regular post and to the online bank.
The offer has a deadline for a response. You must answer us by the deadline if you want a new fixed rate at the price specified in the offer.
If you don’t do anything, the loan will be switched to a variable rate on the expiry date. You can of course fix the interest rate at any time later.
When the expiry date has passed, we will send you a confirmation of the new terms and conditions.

You can apply for fixed rate interest via the link below.
When we register the fixed rate agreement for your loan, we will use the price that applies for fixed rate loans that day.
For your peace of mind, we will contact you if the price has increased by 0.10 percentage points or more relative to that stated in the agreement.
You will then have the opportunity to decide whether you still want to fix the interest rate. If our price is lower than stated in the agreement you sent in, you will of course get the lower price.

Apply for a fixed-rate loan

For a fixed-rate loan, the interest rate is fixed until a specific expiry date (3, 5 or 10 years in the future).
When the fixed rate agreement ends, the loan automatically reverts to a variable interest rate, unless you decide to fix the interest rate again.
If you are considering switching from a fixed rate to a variable rate before the expiry date, you may incur additional costs if a share premium arises.
Contact us and we’ll look at your loan together.

You can apply for an interest-only period on a fixed-rate loan that is within 60% of the home value. You can apply for an interest-only period either in the online bank or in the mobile banking app. A change like this may result in a premium or discount on the loan. If we see that the change will incur costs for you, we will contact you before making the change.
Log in using the link below.
Select Apply for interest-only period under Loan changes.
Choose the desired interest-only period and submit it by confirming.

Questions and answers

A premium or discount may arise if you make changes to the loan - redeem the loan, make an extra payment, get an interest-only period or extend/shorten the payment period - before the interest rate commitment period is over.

Premium (interest rate loss): If the interest rate on new fixed-rate loans is lower than the interest rate on your fixed-rate loan, the difference constitutes a loss for the bank. In this comparison, we will look at new fixed-rate loans with interest rate lock-in periods that correspond to the remaining lock-in period you have on your loan. If you break the fixed-rate agreement before the interest rate lock-in period is over, you’ll have to pay the interest rate loss. The same applies if you make additional payments against the fixed-rate loan, or make changes to the repayment plan.

Discount (interest rate profit): If the interest rate on new fixed-rate loans is higher than the interest rate on your fixed-rate loan, the difference will constitute an interest rate gain. In this comparison, we will look at new fixed-rate loans with interest rate lock-in periods that correspond to the remaining lock-in period you have on your loan. The main rule is that you will get an interest rate gain if it has been more than one year since you fixed the interest rate.

You can deduct any interest loss/premium from your tax return, while any interest gain/discount is taxable.

car loans and vehicles

Questions and answers

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. Setting up a Car Loan can be helpful in confirming this to the seller.

consumer loans and credit

Consumer loans and credit

Read and apply for a consumer loan

Questions and answers

Contact us

Customer Services - Retail

Call us on +47 915 04800

Opening times

Book an appointment with us

You can book an appointment to get advice on loans and insurance at one of our branches.

Book an appointment with us

Ask our chatbot

Our chatbot Aino is available to answer your questions 24 hours a day.

If you open a chat in the online bank and Aino doesn’t know the answer, you’ll be able to chat with an adviser during the customer service centre’s opening hours.

Wish to make a complaint?

Please get in touch and we’ll be happy to help.

Notification of unacceptable circumstances

Unacceptable circumstances include circumstances that are in breach of legal rules (laws, regulations etc.), DNB’s written ethical guidelines (Code of Conduct) or ethical norms to which there is broad adherence in society.

For customers who are deaf or hard of hearing

We are available through digital services such as chat and contact forms when you are logged in to the online bank, in addition to text message services.

If these services cannot be used, we can be contacted by telephone using Text telephone 149 (Telenor), Image interpretation service (NAV), and via our appointment booking form above.