We consider each loan application on an individual basis. Prices are based on debt-servicing capacity, collateral and risk.
The terms and conditions on home mortgages require that you receive regular salary, social security or pension payments and use DNB as your everyday bank.
| Nom int rate | Eff. int. rate | |
| Home mortgage for young adults (BLU) | ||
| BLU Start | 2.05 % | 2.13 % |
| BLU | 2.35 % | 2.44 % |
| Fixed-rate Home mortgage | ||
| 3 years | 2.40 % | 2.49 % |
| 5 years | 2.85 % | 2.95 % |
| 10 years | 3.25 % | 3.36 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Green home mortgage | 2.05 % | 2.13 % |
| Car Loan for young adults | ||
| Down payment 35 % or more | 3.30 % | 4,89 % |
| 20-35 % | 3.90 % | 5.49 % |
| less than 20 % | 4.55 % | 6.20 % |
| Personal loan - maximum NOK 50 000 | 11.05 % | 14.34 % |
| Nom int. rate | Eff. int. rate | |
| Home mortgage up to 75 % of market value | 2.40 % | 2.46 % |
| Home mortgage up to 85 % of market value | 2.50 % | 2.56 % |
| Home equity credit line up to 60 % of market value | 2.35 % | 2.41 % |
| Fixed rate Home mortgage | ||
| 3 years | 2.40 % | 2.49 % |
| 5 years | 2.85 % | 2.95 % |
| 10 years | 3.25 % | 3.36 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Green home mortgage | 2.05 % | 2.13 % |
| SAGA Car loan | ||
| Down payment 35 % or more | 3,15 % | 4.59 % |
| 20 - 35 % | 3.85 % | 5.30 % |
| less than 20 % | 4.40 % | 5.89 % |
| SAGA Liquidity reserve nominal interest rate | 10.50 % | |
| Credit limit NOK 200 000 | 11.53 % | |
| NOK 100 000 | 12.03 % | |
| NOK 65 000 | 12.58 % | |
| NOK 50 000 | 13.05 % | |
| Debt insurance 0.4 % per month of outstanding balance | ||
| SAGA overdraft facility | 16.05 % | 16.92 % |
| Home mortgage up to 75 % of market value | Nom int. rate | Eff. int. rate |
| NOK 4 000 000 or more | 2.55 % | 2.61 % |
| NOK 2 000 000 - 4 000 000 | 2.65 % | 2.74 % |
| Less than NOK 2 000 000 | 2.90 % | 3.02 % |
| Home mortgage up to 85 % of market value | ||
| NOK 4 000 000 or more | 2.65 % | 2.71 % |
| NOK 2 000 000 - 4 000 000 | 2.75 % | 2,85 % |
| Less than NOK 2 000 000 | 3.00 % | 3.16 % |
| Home equity credit line up to 60 % of market value | ||
| NOK 4 000 000 or more | 2.50 % | 2.61 % |
| NOK 2 000 000 - 4 000 000 | 2.60 % | 2.74 % |
| Less than NOK 2 000 000 | 2.85 % | 2.97 % |
| Fixed rate Home mortgage | ||
| 3 years | 2.40 % | 2.49 % |
| 5 years | 2.85 % | 2.95 % |
| 10 years | 3.25 % | 3.36 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Green home mortgage | 2.05 % | 2.13 % |
| Construction credit | 5.95 % | |
| Commission on approved limit, per quarter | 0.33 % | |
| Credit utilisation ratio 100 % | 7.79 % | |
| 50 % | 9.51 % | |
| 20 % | 14.81 % | |
| Consumer loan | 16.20 % | |
| Credit limit NOK 250 000 | 17.87 % | |
| NOK 100 000 | 18.48 % | |
| NOK 65 000 | 19.04 % | |
| NOK 40 000 | 20.02 % | |
| NOK 10 000 | 27.63 % | |
| Debt insurance 0.4 % per month of outstanding balance |
| Nom int. rate | Eff. int. rate | |
| Car loan | ||
| Down payment 35 % or more | 3.30 % | 4.89 % |
| 20 - 35 % | 3.90 % | 5.49 % |
| less than 20 % | 4.55 % | 6.20 % |
| Young adults and SAGA: please see above | ||
| Green Car Loan | ||
| Down payment 35 % or more | 3,10 % | 4.38 % |
| 20 - 35 % | 3.85 % | 5.14 % |
| less than 20 % | 4.40 % | 5.73 % |
| Secured Car loan ® | ||
| Down payment 35 or more | 3.30 % | 4.89 % |
| 20 - 35 % | 3.90 % | 5.49 % |
| less than 20 % | 4.55 % | 6.20 % |
| Nom int. rate | Eff. int. rate | |
| Boat, 7 metres or more | ||
| Down payment 35% or more | 4.35 % | 5.96 % |
| less than 35% | 5.05 % | 6.70 % |
| Boat, less than 7 metres | ||
| Down payment 35% or more | 4.99 % | 7.02 % |
| less than 35% | 5.99 % | 8.08 % |
| MC and Caravan | ||
| Down payment 35 % or more | 4.25 % | 5.86% |
| 20 - 35 % | 5.25 % | 6.91 % |
| less than 20 % | 5.75 % | 7.44 % |
| Front-end fees | |
| Home mortgages and Home equity credit lines - per application | From NOK 1 475 |
| Construction credit | NOK 5 000-20 000 |
| DNB Personal Loan and SAGA Liquidity Reserve (will be debited from approved credit line) |
NOK 500 |
| SAGA Car loan | NOK 1 660 |
| Other Car loans | NOK 2 160 |
| Boat less than 7 metres | NOK 3 500 |
| 7 metres or more | NOK 2 160 |
Instalment fees for loans and mortgages |
|
| Home mortgages and Home equity lines | NOK 50 |
| Green Car loans | NOK 40 |
| Other Car loans | NOK 60 |
| DNB Personal Loan and SAGA Liquidity Reserve | |
| - monthly charge eFaktura | NOK 0 |
| - monthly charge paper invoice | NOK 35 |
Collateral for loans and mortgages |
|
| Fees: | |
| Per collateral item (real property, title documents) | NOK 1 000 |
| Charge on bank deposit, permit, mutual fund units or shares | NOK 500 |
| Public charges: | |
| Registration of security interest in real property | NOK 525 |
| Registration of security interest in real property in connection with refinancing | NOK 200 |
| Registration of security interest in a housing cooperative unit | NOK 430 |
| Registration of collateral for car, MC and caravan loans - electronic | NOK 1 051 |
| - other | NOK 1 516 |
Other charges |
|
| Change of duration, cancellation of security interest in connection with debt redemption | NOK 0 |
| Non complex changes | NOK 250 |
| Complex changes | NOK 750 |
| Statement of outstanding debt, copy of loan documents (per loan/mortgage) | NOK 250 |
| Construction loan, per invoice | NOK 35 |
| Overdraft facility on current account (per year, NOK 100 every 4 months) | NOK 300 |
Private rent: |
|
| Forwarding fines | NOK 250 |
| Autopass invoice | NOK 125 |
| Autopass invoice with extra charge from issuer | NOK 250 |
| Invoicing outstanding debt which has been transferred for debt collection | NOK 250 |
Overdue payment/payment deferment: |
|
| First reminder | NOK 70 |
| Notice of collection (second reminder) | NOK 70 |
| Demand for payment (third reminder) | NOK 210 |
Young adults – up to 34 years
BLU Start:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.05 % p.a. Annuity loan with effective interest rate 2.13 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 574 975 over 25 years.
BLU:
Loan amount NOK 2 000 000, up to 85 % of market value. Nominal interest rate 2.35 % p.a. Annuity loan with effective interest rate 2.44 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 664 074 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000, nominal interest rate 2.40 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 2.49 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 678 775 over 25 years.
Green home mortgage: Please see "34 years or more"
Car loan for young adults with down payment 35 % or more:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 3.30 % p.a., effective interest rate 4.89 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 168 684 over 5 years.
Car loan for young adults with 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 3.90 % p.a., effective interest rate 5.49 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 171 324 over 5 years.
Car loan for young adults without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 4.55 % p.a., effective interest rate 6.20 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 173 754 over 5 years.
Personal Loan for young adults:
Loan amount NOK 50 000. Nominal interest rate 11.05 % p.a. Annuity loan with effective interest rate 14.34 % p.a. including front-end fee NOK 500 and instalment fee NOK 50. Total cost NOK 68 777 over 5 years.
SAGA
Home Mortgage for SAGA customers up to 75 % of market value - floating interest rate:
Loan amount NOK 2 000 000. Nominal interest rate 2.40 % p.a. Annuity loan with effective interest rate 2.49 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 769 975 over 25 years.
Home Mortgage for SAGA customers up to 85 % of market value - floating interest rate:
Loan amount NOK 2 000 000. Nominal interest rate 2.50 % p.a. Annuity loan with effective interest rate 2.59 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 709 075 over 25 years.
Home equity credit line for SAGA customers:
Loan amount NOK 2 000 000. Nominal interest rate 2.35 % p.a. Annuity loan with effective interest rate 2.44 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 664 075 over 25 years.
Fixed-rate home mortgage SAGA:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2.40 % p.a. for 3 year fixed-rate period. Annuity loan with effective interest rate 2.49 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 678 775 over 25 years.
Green home mortgage: Please see "34 years or more"
Car loan Saga and Saga Platinum with 35 % down payment:
Loan amount 150 000 NOK up to 65 % of purchase price. Annuity loan with nominal interest rate 3.15 % p.a., effective interest rate 5.59 % p.a. including front-end fee NOK 1660 and instalment fee NOK 60. Total cost NOK 167 582 over 5 years.
Car loan Saga and Saga Platinum with 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 3.85 % p.a., effective interest rate 5.30 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost 170 568 NOK over 5 years.
Car loan Saga and Saga Platinum without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 4.40 % p.a., effective interest rate 5.89 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 172 646 over 5 years.
SAGA Liquidity reserve:
Loan amount NOK 130 000. Nominal interest rate 10.50 %, effective interest rate 12.46 % including front-end fee NOK 500. Total cost NOK 138 461 over 5 years.
34 years or more:
Home Mortgage up to 75 % of market value - floating interest rate:
Loan amount NOK 2 000 000, up to 75 % of market value. Nominal interest rate 2.65 % p.a. Annuity loan with effective interest rate 2.74 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 754 675 over 25 years.
Home Mortgage up to 85 % of market value - floating interest rate:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.75 % p.a. Annuity loan with effective interest rate 2,85 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 785 275 over 25 years.
Home equity credit line:
Loan amount NOK 2 000 000, up to 60 % of market value. Nominal interest rate 2.60 % p.a. Annuity loan with effective interest rate 2.69 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 739 375 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2.40 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 2.49 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 678 775 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.05 % p.a. Annuity loan with effective interest rate 2.13 % p.a. including front-end fee NOK 2 475 and instalment fee NOK 50. Total cost NOK 2 574 975 over 25 years.
Construction credit:
Loan amount NOK 2 000 000. Nominal interest rate 5.95 % p.a. Effective interest rate 7.79 % p.a. at 100 % utilization rate, including front-end fee NOK 6 000 and commission 0.33 % of approved credit limit per quarter. Total cost NOK 2 151 400 over 1 year.
Consumer financing:
Loan amount NOK 55 000. Nominal interest rate 16.20 %, effective interest rate 21.07 % including front-end fee NOK 500. Total cost NOK 60 910 over 12 months.
Car loans
Car loan and secured Car loan®, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 3.30 % p.a., effective interest rate 4.89 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 168 684 over 5 years.
Car loan and secured Car loan®, 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 3.90 % p.a., effective interest rate 5.30 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 170 568 over 5 years.
Car loan and secured Car loan®, without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 4.55 % p.a., effective interest rate 6.20 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 173 754 over 5 years.
Green Car loan with 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 3.10 % p.a., effective interest rate 4.38 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Total cost NOK 166 680 over 5 years.
Green Car loan with 20 % down payment:
Loan amount 150 000 NOK up to 80 % of purchase price. Annuity loan with nominal interest rate 3.85 % p.a., effective interest rate 5.14 % p.a., including. front-end fee 2 160 NOK and instalment fee NOK 40. Total cost NOK 169 918 over 5 years.
Green Car loan without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 4.40 % p.a., effective interest rate 5.89 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Total cost NOK 172 646 over 5 years.
Boats, MC and caravans
Boat loan, boats 7 meters or more, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 4.55 % p.a., effective interest rate 6.17 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 174 011 over 5 years.
Boat loan, boats 7 meters or more, 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 5.25 % p.a., effective interest rate 6.91 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 176 934 over 5 years.
Boat loan, boats up to 7 meters, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 5.25 % p.a., effective interest rate 7.29 % p.a. including front-end fee NOK 3 500 and instalment fee NOK 60. Total cost NOK 178 461 over 5 years.
Boat loan, boats up to 7 meters, 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 6.25 % p.a., effective interest rate 8.36 % p.a., including front-end fee NOK 3 500 and instalment fee NOK 60. Total cost NOK 182 728 over 5 years.
Caravan loan and MC loan, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 4.25 % p.a., effective interest rate 5.86 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 172 767 over 5 years.
Caravan loan and MC loan, 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 5.25 % p.a., effective interest rate 6.91 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 176 934 over 5 years.
Caravan loan and MC loan, without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 5.75 % p.a., effective interest rate 7.44 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 179 041 over 5 years.
Credit cards
DNB Mastercard:
Nominal interest rate 19.20 %, effective interest rate 24.25 %, NOK 30 000. Total cost NOK 33 679 over 12 months.
Hvitt Mastercard (White Mastercard):
Nominal interest rate 18,60 %, effective interest rate 40.66 %, NOK 5 000. Total cost NOK 5 986 over 12 months.
Sølv Mastercard (Silver Mastercard):
Nominal interest rate 18.60 %, effective interest rate 24.19 %, NOK 25 000. Total cost NOK 28 058 over 12 months.
SAGA Gull Mastercard (SAGA Gold Mastercard):
Nominal interest rate 18.00 %, effective interest rate 20.21 %, NOK 150 000. Total cost NOK 165 492 over 12 months.
SAGA Platinum Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.99 %, NOK 225 000. Total cost NOK 248 004 over 12 months.
Private Banking Mastercard:
Nominal interest rate 18.00 %, effective interest rate 20.00 %, NOK 220 000. Total cost NOK 242 503 over 12 months.
The American Express® Platinum Card:
Nominal interest rate 18.00 %, effective interest rate 29.69 %, NOK 115 000. Total cost NOK 132 019 NOK over 12 months.
The indicative prices for Home mortgages, Home equity credit lines and Fixed-rate loans apply to loans from DNB Boligkreditt.
DNB Boligkreditt AS is a wholly-owned subsidiary of DNB Bank ASA. DNB Boligkreditt extends loans to private individuals and self-employed persons for residential properties secured within 75 % of appraised value. Loans which meet the criteria for loans in DNB Boligkreditt will receive our most favourable interest rate terms.
