Young adults – up to 34 years
BLU Start:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 1.74 % p.a. Annuity loan with effective interest rate 1.83 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 485 800, total NOK 2 485 800 over 25 years.
BLU:
Loan amount NOK 2 000 000, up to 85 % of market value. Nominal interest rate 1.94 % p.a. Annuity loan with effective interest rate 2.04 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 546 400, total NOK 2 546 400 over 25 years.
Fixed-rate home mortgage young adults:
Loan amount NOK 2 000 000, nominal interest rate 1.79 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 1.88 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 503 100, totalt NOK 2 503 100 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 2.99 % p.a., effective interest rate 4.55 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 17 606, total NOK 167 606 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 3.65 % p.a., effective interest rate 5.23 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 20 297, total NOK 170 297 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 4.65 % p.a., effective interest rate 6.28 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 24 427, totalt NOK 174 427 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 1.79 % p.a. for 3 year fixed-rate period. Annuity loan with effective interest rate 1.88 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 503 100, total NOK 2 503 100 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 2.89 % p.a., effective interest rate 4.76 % p.a. including front-end fee NOK 1 960 and instalment fee NOK 60. 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 3.55 % p.a., effective interest rate 5.07 % p.a., including front-end fee NOK 1 960 and instalment fee NOK 60. Cost NOK 19 669, total NOK 169 669 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 4.45 % p.a., effective interest rate 6.01 % p.a., including front-end fee NOK 1 960 and instalment fee NOK 60. Cost NOK 23 372, total NOK 173 372over 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 2.04 % p.a. Annuity loan with effective interest rate 2.13 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 572 800, total NOK 2 572 800 over 25 years.
Home equity credit line:
Loan amount NOK 2 000 000, nominal interest rate 2.04 % p.a. Annuity loan with effective interest rate 2.13 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 572 800, total NOK 2 572 800 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 1.85 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 1.94 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 520 200, total NOK 2 520 200 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 1.65 % p.a. Annuity loan with effective interest rate 1.74 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Cost NOK 460 000, totalt NOK 2 460 000 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 2.99 % p.a., effective interest rate 4.55 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 17 606, total NOK 167 606 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 3.65 % p.a., effective interest rate 5.23 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 20 297, total NOK 170 297 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 4.65 % p.a., effective interest rate 6.28 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 24 327, total NOK 174 327 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 2.89 % p.a., effective interest rate 4.67 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Cost NOK 16 001, total NOK 166 001 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 3.55 % p.a., effective interest rate 4.82 % p.a., including. front-end fee 2 160 NOK and instalment fee NOK 40. Cost NOK 18 688, total NOK 168 688 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 4.45 % p.a., effective interest rate 5.76 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Cost NOK 22 396, total NOK 172 396 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 4.10 % p.a., effective interest rate 5.70 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 22 148, total NOK 172 148 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 4.85 % p.a., effective interest rate 6.49 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 25 260, total NOK 175 260 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 4,99 % p.a., effective interest rate 7.02 % p.a. including front-end fee NOK 3 500 and instalment fee NOK 60. Cost NOK 27 362, total NOK 177 362 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 5.90 % p.a., effective interest rate 7.98 % p.a., including front-end fee NOK 3 500 and instalment fee NOK 60. Cost NOK 31 227, total NOK 181 227 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 2.99 % p.a., effective interest rate 4.55 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 17 606, totalt NOK 167 606 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 3.65 % p.a., effective interest rate 5.23 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 20 297, total NOK 170 297 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 4.65 % p.a., effective interest rate 6.28 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 24 427, total NOK 174 437 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 3.95 % p.a., effective interest rate 5.54 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 21 530, total NOK 171 530 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 5.25 % p.a., effective interest rate 6.91 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 26 934, total NOK 176 934 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 5.70 % p.a., effective interest rate 7.38 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Cost NOK 28 830, total NOK 178 830 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.