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.
| Prices for new mortgages | Nom int rate | Eff. int. rate |
| Green home mortgage - up to 85 % of market value | 1.90 % | 2,00 % |
| Home mortgage young adults - up to 85 % of market value | ||
| BLU Start | 1.84 % | 1.94 % |
| BLU | ||
| NOK 4 000 000 or more | 2,14 % | 2,20 % |
| NOK 2 000 000 - 4 000 000 | 2.20 % | 2.30 % |
| Less than NOK 2 000 000 | 2.34 % | 2.47 % |
| Home mortgage - up to 75 % of market value | ||
| NOK 4 000 000 or more | 2.15 % | 2.21 % |
| NOK 2 000 000 - 4 000 000 | 2.29 % | 2.40 % |
| Less than NOK 2 000 000 | 2.55 % | 2.69 % |
| Mortgages over 75 % of market value: the price is 0.10 percentage points higher | ||
| Home equity credit line - up to 60 % of market value | ||
| NOK 4 000 000 or more | 2.15 % | 2.21 % |
| NOK 2 000 000 - 4 000 000 | 2.29 % | 2.40 % |
| Less than NOK 2 000 000 | 2.55 % | 2.69 % |
| Fixed-rate Home mortgage young adults | ||
| 3 years | 2,79 % | 2.91 % |
| 5 years | 2.89 % | 3.01 % |
| 10 years | 2.94 % | 3.06 % |
| Fixed-rate Home mortgage | ||
| 3 years | 2,84 % | 2.96 % |
| 5 years | 2.94 % | 3.06 % |
| 10 years | 2.99 % | 3,11 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Construction credit | 5.25 % | |
| Commission on approved limit, per quarter | 0.33 % | |
| Credit utilisation ratio 100 % | 7.05 % | |
| 50 % | 8.76 % | |
| 20 % | 14.03 % |
| Nom int. rate | Eff. int. rate | |
| Fixed rate Home mortgage | ||
| 3 years | 2.79 % | 2.91 % |
| 5 years | 2.89 % | 3.01 % |
| 10 years | 2.94 % | 3.06 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| SAGA Car loan | ||
| Down payment 35 % or more | 3,07 % | 4,75 % |
| 20 - 35 % | 3.73 % | 5.43 % |
| less than 20 % | 4.73 % | 6.48 % |
| SAGA Liquidity reserve | 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 % |
| Nom int. rate | Eff. int. rate | |
| SAGA | ||
| Please see above | ||
| Car loan young adults | ||
| Down payment 35 % or more | 3.17 % | 4.90 % |
| 20 - 35 % | 3.83 % | 5.59 % |
| less than 20 % | 4.83 % | 6.64 % |
| Green Car Loan | ||
| Down payment 35 % or more | 3,07 % | 4.75 % |
| 20 - 35 % | 3.73 % | 5,43 % |
| less than 20 % | 4.73 % | 6,48 % |
| Secured Car loan ® | ||
| Down payment 35 % or more | 3,17 % | 4.90 % |
| 20 - 35 % | 3.83 % | 5.59 % |
| less than 20 % | 4.83 % | 6.64 % |
| Other car loans | ||
| Down payment 35 % or more | 3,17 % | 4.90 % |
| 20 - 35 % | 3.83 % | 5.59 % |
| less than 20 % | 4.83 % | 6.64 % |
| Nom int. rate | Eff. int. rate | |
| Boat, 7 metres or more | ||
| Down payment 35% or more | 4.28 % | 6.06 % |
| less than 35% | 5.03 % | 6.85 % |
| Boat, less than 7 metres | ||
| Down payment 35% or more | 5.17 % | 7.34 % |
| less than 35% | 6,08 % | 8.31 % |
| Caravan | ||
| Down payment 35 % or more | 3.17 % | 4.90 % |
| 20 - 35 % | 3.83 % | 5.59 % |
| less than 20 % | 4.83 % | 6.64 % |
| MC, snowmobile, ATV | ||
| Down payment 35 % or more | 4.13 % | 5.90 % |
| 20 - 35 % | 5.43 % | 7,27 % |
| less than 20 % | 5.88 % | 7.75 % |
| Nom int. rate | Eff. int. rate | |
| SAGA | ||
| Please see above | ||
| Consumer Finance | 12.00 % | |
| Credit limit NOK 250 000 | 13.11 % | |
| NOK 100 000 | 13.75 % | |
| NOK 65 000 | 14.32 % | |
| NOK 40 000 | 15.35 % | |
| NOK 10 000 | 23.59 % | |
| Payment insurance 0.4 % per month of balance |
| Front-end fees | |
| Home mortgages and Home equity credit lines - per application | From NOK 2 190 |
| 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 1 300 |
| Other Car loans | NOK 2 500 |
| Boat less than 7 metres | NOK 3 700 |
| 7 metres or more | NOK 2 500 |
Instalment fees for loans and mortgages |
|
| Home mortgages and Home equity lines | NOK 65 |
| Green Car loans | NOK 65 |
| Other Car loans | NOK 65 |
| 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 585 |
| Registration of security interest in real property in connection with refinancing | NOK 200 |
| Registration of security interest in a housing cooperative unit | NOK 480 |
| Registration of collateral for car, MC and caravan loans - electronic | NOK 1 051 |
| - other | NOK 1 516 |
Other charges |
|
| Cancellation of security interest in connection with debt redemption | NOK 0 |
| Non complex changes | NOK 500 |
| 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 35 |
| Notice of collection (second reminder) | NOK 35 |
| Demand for payment (third reminder) | NOK 105 |
Young adults – up to 34 years
BLU Start:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 1.84 % p.a. Annuity loan with effective interest rate 1.94 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 519 290, total NOK 2 519 290 over 25 years.
BLU:
Loan amount NOK 2 000 000, up to 85 % of market value. Nominal interest rate 2.20 % p.a. Annuity loan with effective interest rate 2.30 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 624 590, total NOK 2 624 590 over 25 years.
Fixed-rate home mortgage young adults:
Loan amount NOK 2 000 000, nominal interest rate 2,79 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 2.91 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 802 790, totalt NOK 2 802 790 over 25 years.
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 3.17 % p.a., effective interest rate 4.90 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 19 006, total NOK 169 006 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 3.83 % p.a., effective interest rate 5.59 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 21 710, total NOK 171 710 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 4.83 % p.a., effective interest rate 6.64 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 25 860, totalt NOK 175 860 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
Fixed-rate home mortgage SAGA:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2,79 % p.a. for 3 year fixed-rate period. Annuity loan with effective interest rate 2.91 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 802 790, total NOK 2 802 790 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 3.07 % p.a., effective interest rate 4.75 % p.a. including front-end fee NOK 2 300 and instalment fee NOK 65. Cost NOK 18 446, total NOK 168 446 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 3.73 % p.a., effective interest rate 5.49 % p.a., including front-end fee NOK 2 300 and instalment fee NOK 65. Cost NOK 21 079, total NOK 171 079 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 4.73 % p.a., effective interest rate 6.48 % p.a., including front-end fee NOK 2 300 and instalment fee NOK 65. Cost NOK 25 217, total NOK 175 217 over 5 years.
SAGA Liquidity reserve:
Loan amount NOK 70 000. Nominal interest rate 10.50 %, effective interest rate 12.51 % including front-end fee NOK 500. Cost NOK 4 574, total NOK 74 574 over 12 months.
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 2.29 % p.a. Annuity loan with effective interest rate 2.40 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 651 290, total NOK 2 651 290 over 25 years.
Home equity credit line:
Loan amount NOK 2 000 000, nominal interest rate 2.29 % p.a. Annuity loan with effective interest rate 2.40 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 651 290, total NOK 2 651 290 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2,84 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 2.96 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 818 090, total NOK 2 818 090 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 1.90 % p.a. Annuity loan with effective interest rate 2.00 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 536 690, totalt NOK 2 536 690 over 25 years.
Construction credit:
Loan amount NOK 2 000 000. Nominal interest rate 5.25 % p.a. Effective interest rate 7.05 % p.a. at 100 % utilization rate, including front-end fee NOK 6 000 and commission 0.33 % of approved credit limit per quarter. Cost NOK 137 400, total NOK 2 137 400 over 1 year.
Consumer financing:
Loan amount NOK 70 000. Nominal interest rate 12.00 %, effective interest rate 14.20 % including front-end fee NOK 500. Cost NOK 5 166, total NOK 75 166 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 3.17 % p.a., effective interest rate 4.90 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 19 006, total NOK 169 006 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 3.83 % p.a., effective interest rate 5.59 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 21 710, total NOK 171 710 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 4.83 % p.a., effective interest rate 6.64 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 25 860, total NOK 175 860 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 3.07 % p.a., effective interest rate 4.75 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 18 596, total NOK 18 596 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 3.73 % p.a., effective interest rate 5.43 % p.a., including. front-end fee 2 500 NOK and instalment fee NOK 65. Cost NOK 21 299, total NOK 171 299 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 4.83 % p.a., effective interest rate 6.48 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 25 217, total NOK 175 217 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 4.28 % p.a., effective interest rate 6,06 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 23 570, total NOK 173 570 over 5 years.
Boat loan, boats 7 meters or more, less than 35 % down payment:
Loan amount NOK 150 000. Annuity loan with nominal interest rate 5.03 % p.a., effective interest rate 6.85 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 26 698, total NOK 176 698 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 5,17 % p.a., effective interest rate 7.34 % p.a. including front-end fee NOK 3 700 and instalment fee NOK 65. Cost NOK 28 650, total NOK 178 650 over 5 years.
Boat loan, boats up to 7 meters, less than 35 % down payment:
Loan amount NOK 150 000. Annuity loan with nominal interest rate 6.08 % p.a., effective interest rate 8.31 % p.a., including front-end fee NOK 3 700 and instalment fee NOK 65. Cost NOK 32 530, total NOK 182 530 over 5 years.
Caravan loan, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 3.17 % p.a., effective interest rate 4.90 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 19 006, total NOK 169 006 over 5 years.
Caravan loan, 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 3.83 % p.a., effective interest rate 5.59 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 21 710, total NOK 171 710 over 5 years.
Caravan loan without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 4.83 % p.a., effective interest rate 6.64 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 25 860, total NOK 175 860 over 5 years.
MC, snowmobile and ATV, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 4.13 % p.a., effective interest rate 5.90 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 22 949, total NOK 172 949 over 5 years.
MC, snowmobile and ATV, 20 % down payment:
Loan amount NOK 150 000 up to 80 % of purchase price. Annuity loan with nominal interest rate 5.43 % p.a., effective interest rate 7.27 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 28 380, total NOK 178 380 over 5 years.
MC, snowmobile and ATV without down payment:
Loan amount NOK 150 000 up to 100 % of purchase price. Annuity loan with nominal interest rate 5.88 % p.a., effective interest rate 7.75 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 30 285, total NOK 180 285 over 5 years.
Credit cards
DNB Mastercard:
Nominal interest rate 19.20 %, effective interest rate 20.98 %, NOK 35 000. Cost NOK 3 746, total NOK 38 746 over 12 months.
Hvitt Mastercard (White Mastercard):
Nominal interest rate 18,60 %, effective interest rate 20.27 %, NOK 5 000. Cost NOK 518, total NOK 5 518 over 12 months.
Sølv Mastercard (Silver Mastercard):
Nominal interest rate 18.60 %, effective interest rate 20.27 %, NOK 30 000. Cost NOK 3 108, total NOK 33 108 over 12 months.
SAGA Gull Mastercard (SAGA Gold Mastercard):
Nominal interest rate 18.00 %, effective interest rate 19.56%, NOK 130 000. Cost NOK 13 021, total NOK 143 021 over 12 months.
SAGA Platinum Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.56 %, NOK 205 000. Cost NOK 20 533, total NOK 225 533 over 12 months.
Private Banking Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.56%, NOK 225 000. Cost NOK 22 536, total NOK 247 536 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 criteria set by DNB Boligkreditt will receive our most favourable interest rate terms. Most residential properties qualify for a loan in DNB Boligkreditt. There are some exceptions, including holiday homes, secondary residences/rental properties, undeveloped land and agricultural properties with residential buildings. In such cases the price is 0.10 percentage points higher than indicated in the price list.
