Prices and interest rates loans

At DNB, your loan has an interest rate that is adapted to you and your finances.

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Personal advisory services are important. At DNB, you receive a personal interest rate on your mortgage with a variable rate. The interest rate is calculated based on your finances and life situation, and is influenced by factors such as the loan amount, equity and your overall finances. Market and competitive conditions also play a role.

By having a bank from A to Z, with personal advisory services and your own home loan interest rate, many customers may receive more favourable terms and overall finances than what is stated in the price list on our website, and which is used in the media and consumer tests.

We believe it is right that your loan interest rate is based on your finances. Because no two financial situations are the same, but all are equally important.

Check the overview on this page to see prices and interest rates for various loans, such as mortgages, car loans and consumer loans.

Loans with variable interest rates

First home loan

First home loan

Loan amount up to 90% of property value

Nominal interest rate

5.24 %

Effective interest rate

5.44 %

Nominal floating interest rate from 5.24%. annual percentage rate of charge (APRC) from 5.44 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 038. The total amount payable would be NOK 3 614 590 made up of the loan amount plus interest of NOK 1 614 590..

Mortgage Ung (Young Adults)

Mortgage Ung (Young Adults)

Loan amount up to 90% of property value

Nominal interest rate

5.49 %

Effective interest rate

5.70 %

Price example: Nominal floating interest rate from 5.49%. annual percentage rate of charge (APRC) from 5.70 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 334. The total amount payable would be NOK 3 703 390 made up of the loan amount plus interest of NOK 1 703 390..

Green mortgage

Green mortgage

Loan amount up to 90% of property value

Nominal interest rate

5.49 %

Effective interest rate

5.70 %

Price example: Nominal floating interest rate from 5.49 %. annual percentage rate of charge (APRC) from 5.70 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 334. The total amount payable would be NOK 3 703 390 made up of the loan amount plus interest of NOK 1 703 390..

Green loan

Green loan

Loan amount up to 90% of property value

Nominal interest rate

5.49 %

Effective interest rate

6.09 %

Price example: Nominal floating interest rate from 5.49%. annual percentage rate of charge (APRC) from 6.09%. Annuity loan NOK 300 000 o/10 years with monthly payment NOK 3 319. The total amount payable would be NOK 398 280 made up of the loan amount plus interest of NOK 98 280..

Green and standard home equity credit line (HELOC)

Home equity credit line (HELOC)

Indicative prices. We assess each loan application individually.

Green home equity credit line (HELOC)

Nominal interest rate

5.49 %

Effective interest rate

5.70 %

Home equity credit line (HELOC) over NOK 4,000,000

Nominal interest rate

6.09 %

Effective interest rate

6.30 %

Home equity credit line (HELOC) between NOK 2,000,000 and NOK 4,000,000

Nominal interest rate

6.15 %

Effective interest rate

6.40 %

Home equity credit line (HELOC) under NOK 2,000,000

Nominal interest rate

6.34 %

Effective interest rate

6.62 %

Price example: Nominal floating interest rate from 6.09 %. annual percentage rate of charge (APRC) from 6.30 %. Annuity loan NOK 4 000 000 o/25 years with monthly payment NOK 26 057. The total amount payable would be NOK 7 820 290 made up of the loan amount plus interest of NOK 3 820 290..

Other mortgage

Mortgage

Indicative prices. We assess each loan application individually.

Loans over NOK 4,000,000

Nominal interest rate

6.09 %

Effective interest rate

6.30 %

Loans between NOK 2,000,000 - 4,000,000

Nominal interest rate

6.15 %

Effective interest rate

6.40 %

Loans under NOK 2,000,000

Nominal interest rate

6.34 %

Effective interest rate

6.62 %

Price example: Nominal floating interest rate from 6.15 %. annual percentage rate of charge (APRC) from 6.40 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 13 135. The total amount payable would be NOK 3 943 690 made up of the loan amount plus interest of NOK 1 943 690..

Loan amount up to 75% of property value. For amounts over 75% of property value, the price is 0.10 percentage points higher.

Construction loan

Construction loan

We assess each individual application individually. Contact the bank for offers.

Price list fixed-rate loan

Green fixed-rate loan

Green fixed-rate loan

3 years

Nominal interest rate

5.64 %

Effective interest rate

5.84 %

5 years

Nominal interest rate

5.44 %

Effective interest rate

5.63 %

10 years

Nominal interest rate

5.29 %

Effective interest rate

5.48 %

Price example 5 years: Nominal interest from 5,44 %, operating interest rate 5,63 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12275 per month. Cost NOK 1 682 500, total NOK 3 682 500.

Fixed-rate loan SAGA

3 years

Nominal interest rate

5.74 %

Effective interest rate

5.97 %

5 years

Nominal interest rate

5.54 %

Effective interest rate

5.76 %

10 years

Nominal interest rate

5.39 %

Effective interest rate

5.60 %

Price example 5 years: Nominal interest from 5,54 %, operating interest rate 5,76 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12394 per month. Cost NOK 1 721 390, total NOK 3 721 390.

Mortgage Ung (Young Adults) fixed rate

Mortgage Ung Fastrente

3 years

Nominal interest rate

5.74 %

Effective interest rate

5.97 %

5 years

Nominal interest rate

5.54 %

Effective interest rate

5.76 %

10 years

Nominal interest rate

5.39 %

Effective interest rate

5.60 %

Price example 5 years: Nominal interest from 5,54 %, operating interest rate 5,76 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12394 per month. Cost NOK 1 721 390, total NOK 3 721 390.

Standard fixed-rate loan

Fixed-rate loan

3 years

Nominal interest rate

5,79 %

Effective interest rate

6,02 %

5 years

Nominal interest rate

5,59 %

Effective interest rate

5,81 %

10 years

Nominal interest rate

5,44 %

Effective interest rate

5,65 %

Price example 5 years: Nominal interest from 5,59 %, operating interest rate 5,81 %. Kr 2 000 000 o/25 year. Instalment amount NOK 12454 per month. Cost NOK 1 739 390, total NOK 3 739 390.

Combination loan

Combination loan

Nominal interest rate

5,32 %

Effective interest rate

5,52 %

Price example: Split 50/50 between fixed interest rate 10 years and and floating interest rate. Price example annuity loan young adults o/25 years. Nominal weighted interest rate from 5.32 %. annual percentage rate of charge (APRC) from 5.52 %. Annuity loan NOK 2 000 000 years with monthly payment NOK 12 126. The total amount payable would be NOK 3 640 990 made up of the loan amount plus interest of NOK 1 640 990.

Other loan prices

Prices mortgage

Establishment

Green loan

NOK 0

Mortgage, fixed-rate loan and home equity credit line (HELOC)

From NOK 2,190 per case

Construction loan

From NOK 5,000 to NOK 20,000

Term fees

Mortgage and fixed-rate loan

NOK 65

Home equity credit line (HELOC) (charged even if the balance on the credit line is zero)

NOK 65

Costs related to security

Security object (e.g. real property or title deeds)

NOK 1,000 per security object

Surety, pledge of bank deposits, guarantee, funds or shares

NOK 500

For housing cooperative shares, the cost is determined by the property manager

Public registration fees

Real property or housing cooperative share

NOK 500

Loan amendments

Changes to the loan agreement (e.g. change overdraft facility, instalment date, reduce repayment period, delete security upon settlement, debtor transfer)

NOK 0

Simple changes (e.g. payment holiday or extended repayment period)

NOK 0

Extensive changes (e.g. conversion to fixed interest rate, subordination of priority, waiver of mortgage, change of security or joint debtor)

NOK 750

Outstanding balance statement or copy of documents

NOK 250 per loan

Construction loan per invoice

NOK 35

Price list car loans

Car loans for young adults

Car loans for young adults

Equity 35% or more

Nominal interest rate

6,24 %

Effective interest rate

8,16 %

Equity 20%–35%

Nominal interest rate

6,90 %

Effective interest rate

8,87 %

Equity under 20 %

Nominal interest rate

7,90 %

Effective interest rate

9,94 %

Price example: Nominal interest rate 6,24 %, eff. Interest rate 8,16 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 982 per month Cost: NOK 31 401 total: NOK 181 401.

SAGA car loan

SAGA car loan

Equity 35% or more

Nominal interest rate

6,24 %

Effective interest rate

8,10 %

Equity 20%–35%

Nominal interest rate

6,90 %

Effective interest rate

8,81 %

Equity under 20 %

Nominal interest rate

7,90 %

Effective interest rate

9,88 %

Price example: Nominal interest rate 6,24 %, eff. Interest rate 8,10 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 982 per month Cost: NOK 31 201 total: NOK 181 201.

Other car loans

Car loan

Equity 35% or more

Nominal interest rate

6,34 %

Effective interest rate

8,27 %

Equity 20%–35%

Nominal interest rate

7,00 %

Effective interest rate

8,98 %

Equity under 20 %

Nominal interest rate

8,00 %

Effective interest rate

10,06 %

Price example: Nominal interest rate 6,34 %, eff. Interest rate 8,27 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 989 per month Cost: NOK 31 822 total: NOK 181 822.

Price list for other vehicles

Boat loan

Boat loan

Boat that is 7 metres or more

Equity 35% or more

Nominal interest rate

7,70 %

Effective interest rate

9,73 %

Equity under 35%

Nominal interest rate

8,45 %

Effective interest rate

10,55 %

Boat under 7 metres

Equity 35% or more

Nominal interest rate

8,59 %

Effective interest rate

11,09 %

Equity under 35%

Nominal interest rate

9,50 %

Effective interest rate

12,09 %

Price example boat over 7 metres: Nominal interest rate 7,45 %, eff. Interest rate 9,46 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 067 per month Cost: NOK 36 520 total: NOK 186 520..
Price example boat under 7 metres: Price example: Nominal interest rate 8,59 %, eff. Interest rate 11,09 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/ years. Instalment amount NOK 3 149 per month Cost: NOK 42 639 total: NOK 192 639

Caravan loan

Caravan loan

Equity 35% or more

Nominal interest rate

6,59 %

Effective interest rate

8,54 %

Equity 20% – 35%

Nominal interest rate

7,25 %

Effective interest rate

9,23 %

Equity under 20%

Nominal interest rate

8,25 %

Effective interest rate

10,33 %

Price example: Nominal interest rate 6,59 %, eff. Interest rate 8,54 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 006 per month Cost: NOK 32 875 total: NOK 182 875.

Loan for MC, snowmobile and ATV

MC loan

Equity 35% or more

Nominal interest rate

7,55 %

Effective interest rate

9,57 %

Equity 20% – 35%

Nominal interest rate

8,85 %

Effective interest rate

10,98 %

Equity under 20%

Nominal interest rate

9,30 %

Effective interest rate

11,48 %

Price example: Nominal interest rate 7,55 %, eff. Interest rate 9,57 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/ years. Instalment amount NOK 3 074 per month Cost: NOK 36 955 total: NOK 186 955.

Price list unsecured loans

Consumer loan

Consumer loan

Price example consumer loan: Nominal interest rate from 10.9%, effective interest rate 11.7%, NOK 100,000 over five years, establishment fee from NOK 500. Cost NOK 30,806. Total NOK 130,806.

Nominal interest rate SAGA Liquidity Reserve: from 10.9%

Nominal interest rate DNB consumer loan: from 10.9% to 13%

Payment protection insurance 0.4% per month of balance.

The price examples are calculated in accordance with guidelines from the authorities and are based on several assumptions. The effective interest rate and costs for your loan are influenced by, among other things, the loan amount, repayment period, any interest-only period(s), fees and the nominal interest rate.

The indicative prices for Ung (Young Adults) mortgages apply only to loans for a primary residence and assume that the security qualifies for DNB Boligkreditt.

The indicative prices for mortgages within 75% and home equity credit lines (HELOC) within 60% apply to loans for your own home and assume that the security qualifies for DNB Boligkreditt. For loan-to-value ratios exceeding 75% (exceeding 60% for credit lines), loans for second homes, or where the security does not qualify for Boligkreditt, the interest rate is 0.10 percentage points higher.

The vast majority of homes qualify for DNB Boligkreditt. Some exceptions are cabins, secondary/rental properties, undeveloped land and agricultural properties with a residential component.

DNB Boligkreditt AS is a wholly owned subsidiary of DNB Bank ASA. DNB Boligkreditt provides loans to private individuals and self-employed persons who mortgage their own residential property up to 75% of a prudent market valuation.

Other price lists

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Wondering how much you can borrow?

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Are you considering moving your home loan to DNB?

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What will your home loan cost you?

With our home loan calculator, you can adjust and see how much you need to pay each month based on the property price, interest rate and repayment period.

Home loan calculator

What will the consumer loan cost you?

Test different loan amounts and see the monthly cost.

Consumer loan calculator

What will the car loan cost you?

How much the car costs, what you have in equity and how long a repayment period you want will affect what the car loan will cost you. You can easily use the car loan calculator to work out what it will cost you.

Car loan calculator