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 | 2.89 % | 3,01 % |
| Home mortgage young adults - up to 85 % of market value | ||
| BLU Start | 2.89 % | 3,01 % |
| Home mortgage - up to 75 % of market value | ||
| NOK 4 000 000 or more | 3.65 % | 3.75 % |
| NOK 2 000 000 - 4 000 000 | 3.79 % | 3.93 % |
| Less than NOK 2 000 000 | 3.99 % | 4,17 % |
| 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 | 3.65 % | 3.75 % |
| NOK 2 000 000 - 4 000 000 | 3.79 % | 3.93 % |
| Less than NOK 2 000 000 | 3.99 % | 4,17 % |
| Fixed-rate Home mortgage young adults | ||
| 3 years | 4.69 % | 4.87 % |
| 5 years | 4.54 % | 4.71 % |
| 10 years | 4.44 % | 4.61 % |
| Fixed-rate Home mortgage | ||
| 3 years | 4.74 % | 4.92 % |
| 5 years | 4.59 % | 4.76 % |
| 10 years | 4.49 % | 4,66 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Construction credit | 6.00 % | |
| Commission on approved limit, per quarter | 0.33 % | |
| Credit utilisation ratio 100 % | 9.33 % | |
| 50 % | 12.56 % | |
| 20 % | 22.76 % |
| Nom int. rate | Eff. int. rate | |
| Fixed rate Home mortgage | ||
| 3 years | 4.69 % | 4.87 % |
| 5 years | 4.54 % | 4.71 % |
| 10 years | 4.44 % | 4.61 % |
| 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 | 3.49 % | 5.18 % |
| 20 - 35 % | 4.15 % | 5.87 % |
| less than 20 % | 5.15 % | 6.92 % |
| 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 | 4.29 % | 6,07 % |
| 20 - 35 % | 4.85 % | 6.61 % |
| less than 20 % | 5.85 % | 7.66 % |
| Green Car Loan | ||
| Down payment 35 % or more | 4.19 % | 5.97 % |
| 20 - 35 % | 4.85 % | 6.66 % |
| less than 20 % | 5.85 % | 7.72 % |
| Secured Car loan ® | ||
| Down payment 35 % or more | 4.29 % |
6.07 % |
| 20 - 35 % | 4.85 % |
6.61 % |
| less than 20 % | 5.85 % |
7.66 % |
| Other car loans | ||
| Down payment 35 % or more | 4.29 % |
6.07 % |
| 20 - 35 % | 4.85 % |
6.61 % |
| less than 20 % | 5.85 % |
7.66 % |
| Nom int. rate | Eff. int. rate | |
| Boat, 7 metres or more | ||
| Down payment 35% or more | 5.40 % | 7.24 % |
| less than 35% | 6.29 % | 8.54 % |
| Boat, less than 7 metres | ||
| Down payment 35% or more | 6.29 % | 8.54 % |
| less than 35% | 7.20 % | 9.54 % |
| Caravan | ||
| Down payment 35 % or more | 4.29 % | 6.07 % |
| 20 - 35 % | 4.95 % | 6.67 % |
| less than 20 % | 5.95 % | 7.82 % |
| MC, snowmobile, ATV | ||
| Down payment 35 % or more | 5.25 % | 7.08 % |
| 20 - 35 % | 6.55 % | 8.46 % |
| less than 20 % | 7.00 % | 8.95 % |
| 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 2 300 |
| 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 2.89 % p.a. Annuity loan with effective interest rate 3,01 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 833 690, total NOK 8 833 690 over 25 years.
Fixed-rate home mortgage young adults:
Loan amount NOK 2 000 000, nominal interest rate 4.69 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 4.87 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 422 590, totalt NOK 3 422 590 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 4.29 % p.a., effective interest rate 6.07 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 23 611, total NOK 173 611 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, nominal interest rate 4.69 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 4.87 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 422 590, totalt NOK 3 422 590 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 4,19 % p.a., effective interest rate 5.91 % p.a. including front-end fee NOK 2 300 and instalment fee NOK 65. Cost NOK 22 975, total NOK 172 975 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 3,99 % p.a. Annuity loan with effective interest rate 4,17 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 895 390, total NOK 2 395 390 over 25 years.
Home equity credit line:
Loan amount NOK 2 000 000, nominal interest rate 3.99 % p.a. Annuity loan with effective interest rate 4,17 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 895 390, total NOK 2 395 390 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 4.74 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 4.92 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 439 690, total NOK 3 439 690 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2,89 % p.a. Annuity loan with effective interest rate 3,01 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 833 690, totalt NOK 2 833 690 over 25 years.
Construction credit:
Loan amount NOK 2 000 000. Nominal interest rate 6.00 % p.a. Effective interest rate 9.33 % 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 97 984, total NOK 2 097 984 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 4.29 % p.a., effective interest rate 6.07 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 23 611, total NOK 173 611 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 4.19 % p.a., effective interest rate 5.91 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 20 313, total NOK 170 313 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 5.40 % p.a., effective interest rate 7.24 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 28 254, total NOK 178 254 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 6.29 % p.a., effective interest rate 8.54 % p.a. including front-end fee NOK 3 700 and instalment fee NOK 65. Cost NOK 33 433, total NOK 183 433 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 4.29 % p.a., effective interest rate 6.07 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 23 611, total NOK 173 611 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 5.25 % p.a., effective interest rate 7.08 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 27 622, total NOK 177 622 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.
