Indicative prices – loans to personal customers

We consider each loan application on an individual basis. Prices are based on debt-servicing capacity, collateral and risk.

As a DNB customer, you do not need to buy other products to qualify for our best home mortgage prices. In order to access your home equity credit line in the Internet bank, you must have an account in DNB. Own terms and conditions apply for SAGA customers.

Young adults - up to 34 years

Home mortgages for young adults, up to 85 % of market value

  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  2.35 %  2.44 %
5 years  2.55 %  2.64 %
10 years  3.20 %  3.30 %
The interest rate may be changed at short notice.
Your interest rate will be set on the disbursement day
   
     
Car Loan for young adults     
Down payment 35 % or more 3.15 % 5.71 %
                           20-35 % 3.90 % 5.49 %
                           less than 20 % 4.40 % 6.01 %
     
Personal loan - maximum NOK 50 000  11.05 %  14.34 %

Bridge loan - please contact us

SAGA


  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 2.70 % 2.79 %
     
Home equity credit line up to 60 % of market value 2.35 % 2.41 %
     
Fixed rate Home mortgage    
3 years 2.35 % 2.44 %
5 years 2.55 % 2.64 %
10 years 3.20 % 3.30 %
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 2.99 % 4.41 %
                    20 - 35 % 3.85 % 5.30 %
                    less than 20 % 4.25 % 5.72 %
     
SAGA Liquidity reserve nominal interest rate per month 0.875 %  
Credit limit NOK 300 000   11.36 %
                       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 %

Loans and mortgages above NOK 10 000 000: price on request
Bridge loan - please contact us

34 years and older


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 2.85 % 2.92 %
NOK 2 000 000 - 4 000 000 2.95 % 3.05 % 
Less than NOK 2 000 000 3.20 % 3.32 %
     
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  2.45 %  2.54 % 
5 years  2.65 %  2.74 %
10 years  3.30 %  3.41 %
The interest rate may be changed at short notice.
Your interest rate will be set on the disbursement day
   
     
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 nominal interest rate per month 1.35 %  
Credit limit NOK 300 000   17.80 %
                       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    

Bridge loan - please contact us

Car loans

Nom int. rate Eff. int. rate
Car loan    
Down payment 35 % or more 3.15 % 4.71 %
                   20 - 35 % 3.90 % 5.49 %
                   less than 20 % 4.40 % 6.01 %
Young adults and SAGA: please see above    
     
Green Car Loan    
Down payment 35 % or more 2.99 % 4.24 %
                    20 - 35 % 3.85 % 5.14 %
                    less than 20 % 4.25 % 5.55 %
     
Secured Car loan ®    
Down payment 35 or more 3.15 % 4.71 %
                   20 - 35 % 3.90 % 5.49 %
                   less than 20 % 4.40 % 6.01 %

Boats, MC and caravans

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 %

Fees and charges



Front-end fees  
Home mortgages and Home equity credit lines - per application NOK 975-5 000
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

Calculation of effective interest rates

Young adults – up to 34 years

Fixed-rate loan:
Loan amount NOK 2 000 000, nominal interest rate 2.35 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 2.44 % p.a. including front-end fee NOK 1 975 and instalment fee NOK 50. Total cost NOK 2 663 575 over 25 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 1 975 and instalment fee NOK 50. Total cost NOK 2 574 475 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 1 975 and instalment fee NOK 50. Total cost NOK 2 663 575 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 3.50 % p.a., effective interest rate 5.08 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost 169 683 NOK 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 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.

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 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.

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 1 975 and instalment fee NOK 50. Total cost NOK 2 678 320 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 2.70 % p.a. Annuity loan with effective interest rate 2.79 % p.a. including front-end fee NOK 1 975 and instalment fee NOK 50. Total cost NOK 2 769 232 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 1 975 and instalment fee NOK 50. Total cost NOK 2 663 575 over 25 years.

Fixed-rate loan SAGA:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2.35 % p.a. for 3 year fixed-rate period. Annuity loan with effective interest rate 2.44 % p.a. including front-end fee NOK 1 975 and instalment fee NOK 50. Total cost NOK 2 663 575 over 25 years.

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 3.25 % p.a., effective interest rate 4.68 % p.a. including front-end fee NOK 1660 and instalment fee NOK 60. Total cost 168 121 NOK 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 4.15 % p.a., effective interest rate 5.61 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost 171 800 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 4.75 % p.a., effective interest rate 6.24 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost 174 280 NOK 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 1 975 and instalment fee NOK 50. Total cost NOK 2 754 175 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 2.95 % p.a. Annuity loan with effective interest rate 3.05 % p.a. including front-end fee NOK 1 975 and instalment fee NOK 50. Total cost NOK 2 846 364 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 1 975 and instalment fee NOK 50. Total cost NOK 2 738 875 over 25 years.

Fixed-rate loan:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2.45 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 2.54 % p.a. including front-end fee NOK 1 975 and instalment fee NOK 50. Total cost NOK 2 693 575 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 3.50 % p.a., effective interest rate 5.08 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 169 683 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 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.

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 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.

Green Car loan with 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 3.30 % p.a., effective interest rate 4.56 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Total cost NOK 167 667 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 4.15 % p.a., effective interest rate 5.45 % p.a., including. front-end fee 2 160 NOK and instalment fee NOK 40. Total cost NOK 171 154 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 5.15 % p.a., effective interest rate 6.50 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Total cost 175 315 NOK 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.

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