When you apply for a mortgage, we process information about your income, debt and assets. We obtain information directly from you, from our internal systems and from public registers.
From our systems, we retrieve information about application, payment and transaction history for loans, credit and accounts that you hold with us. We can connect you to Altinn (the Norwegian digital portal for dialogue with public agencies) so that the Norwegian Tax Administration receives your consent to disclose information about income, debt and assets.
We may also obtain an overview from the Debt Register of your unsecured debt, information about property details from the Norwegian Mapping Authority, as well as taxable income from the previous year and payment remarks from credit reference agencies. You will receive information from credit reference agencies when the information has been obtained from them. Our processing of the aforementioned information forms part of an automated risk assessment process.
The processing is necessary to comply with both regulatory requirements and safeguards our own legitimate interest in managing our own risk and ensuring sound finances and payment capacity among our customers. In addition, we are legally obliged to protect ourselves against money laundering and financial crime. If you object to our processing, we cannot process your loan application, but you always have the right to correct information that is incorrect.
When we approve loans, DNB is an obliged entity to the authorities. When we decline loans, we register this internally to be able to notify you of the rejection and, if necessary, document the matter at a later date. Registered information about a rejection may affect your future applications.
DNB Bank ASA (the Bank) and DNB Boligkreditt AS (Boligkreditt) have joint responsibility for processing personal data. This means that your information will be available to both the Bank and Boligkreditt during the application process and after the loan has been established.
The Bank and Boligkreditt are obliged to comply with requests for correction of any errors and to delete information on their own initiative when it is no longer necessary. The Bank is obliged to assess objections to the processing of personal data and must always comply with reservations against direct marketing. Boligkreditt does not have marketing as a purpose for processing personal data.
Read about how you can exercise your data protection rights in our privacy notice / "What are your rights" and contact details under "Questions and complaints".
DNB's Data Protection Officer (DPO) can be contacted by email at personvernombudet@dnb.no or by regular post: DNB, c/o Data Protection Officer (DPO), PO Box 1600 Sentrum, 0021 Oslo
