• Chatbot
  • Help and guidance
  • Find your DNB office
  • Make an appointment

Combination loan

Combine fixed and variable interest rates

DNB Brand Image Mona
  • Flexible

  • Predictable

  • Choose how you want to split it

Search combination loans

This is a combination loan

A combination loan is a loan that combines a fixed and a variable rate of interest. It’s ideal for people who want the predictability of a fixed-rate loan with the flexibility of a variable rate. You get the best of both worlds.

Predictable

A fixed-rate loan is predictable and you’ll get the agreed interest rate for the entire period. You can decide whether to fix the interest rate 3, 5 or 10 years.

Flexible

You decide how much of the loan should be linked to fixed and variable interest rates. You can make extra payments against the variable rate part of the loan if and when you are able to.

Price example Combination loan

Split 50/50 between fixed and floating interest rate o/10 year: Weighted operating interest rate from 5,16%. NOK 2 000 000 o/25 year. Instalment amount NOK 11723 per month. Cost NOK 1 520 090, total NOK 3 520 090. Presupposes a mortgage on the home.