Price and interest rates for loans
Guide prices for loans for personal customers
We always consider every loan application individually. The price you get is based, among other things, on debt-servicing capacity, security and risk.
Prices of home mortgages applies to loans up to NOK 10 million and assumes that you have a wage entry and use the bank on a daily basis.
Mortgages (down-payments)
- Nominal interest rate from 5.49 %, APR 5.70 %
All prices up to 85% of market value.
Price for first home loan. Other loan applications are assessed individually.
- Nominal interest rate from 5.49 %, APR 5.70 %
All prices up to 85% of market value.
Price for first home loan. Other loan applications are assessed individually.
- Nominal interest rate from 5.49 %, APR 5.70 %
All prices up to 85% of market value
Interest rate until 31 December 2024: 0 %. From 1 January 2025 the interest rate will correspond with the interest rate for Green mortgage.
Suggested prices. We assess each loan application individually.
Loans over NOK 4.000.000
- Nominal interest rate 6.09 %, APR 6.30 %
Loans NOK 2 000 000 - 4 000 000
- Nominal interest rate 6.15 %, APR 6.40 %
Loans under NOK 2 000 000
- Nominal interest rate 6.34 %, APR 6.62 %
All prices up to 75% of market value.
At over 75% of market value, the price is 0.10 percentage points higher
We assess each individual application individually. Contact the bank for offers.
Fixed-rate loans
- 3 years: Nominal interest from 4,89 %, operating interest rate 5,06 %.
- 5 years: Nominal interest from 4,79 %, operating interest rate 4,96 %.
- 10 years: Nominal interest from 4,74 %, operating interest rate 4,90 %.
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
- 3 years: Nominal interest from 4,94 %, operating interest rate 5,13 %.
- 5 years: Nominal interest from 4,89 %, operating interest rate 5,08 %.
- 10 years: Nominal interest from 4,84 %, operating interest rate 5,02 %.
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
- 3 years: Nominal interest from 4,99 %, operating interest rate 5,18 %.
- 5 years: Nominal interest from 4,94 %, operating interest rate 5,13 %.
- 10 years: Nominal interest from 4,89 %, operating interest rate 5,08 %.
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
Home equity credit lines
- Nominal interest rate from 5.49 %, APR 5.70 %
Prices up to 60% of market value.
Suggested prices. We assess each loan application individually.
Loans over NOK 4.000.000
- Nominal interest rate 6.09 %, APR 6.30 %
Loans between NOK 2 000 000 and NOK 4 000 000
- Nominal interest rate 6.15 %, APR 6.40 %
Loans under NOK 2 000 000
- Nominal interest rate 6.34 %, APR 6.62 %
All prices up to 60% of market value.
Price list car loans
Equity 35% or more
- Nominal interest rate 6.49 %, APR 8.43 %
Equity 20% - 35%
- Nominal interest rate 7.15 %, APR 9.12 %
Equity under 20%
- Nominal interest rate 8,15 %, APR 10.22 %
Equity 35% or more
- Nominal interest rate 6.49 %, APR 8.43 %
Equity 20% - 35%
- Nominal interest rate 7.15 %, APR 9.12 %
Equity under 20%
- Nominal interest rate 8,15 %, APR 10.22 %
Equity 35% or more
- Nominal interest rate 6.49 %, APR 8.36 %
Equity 20% - 35%
- Nominal interest rate 7.15 %, APR 9.06 %
Equity under 20%
- Nominal interest rate 8.15 %, APR 10.15 %
Equity 35% or more
- Nominal interest rate 6.59 %, APR 8.53 %
Equity 20% - 35%
- Nominal interest rate 7.25 %, APR 9.23 %
Equity under 20%
- Nominal interest rate 8.25 %, APR 10.32 %
Equity 35% or more
- Nominal interest rate 6.59 %, APR 8.53 %
Equity 20% - 35%
- Nominal interest rate 7.25 %, APR 9.23 %
Equity under 20%
- Nominal interest rate 8.25 %, APR 10.32 %
Boat, motorcycle and caravan price list
Boats measuring 7 metres or more
Equity 35% or more
- Nominal interest rate 7.95 %, APR 9.99 %
Equity under 35%
- Nominal interest rate 8.70 %, APR 10.80 %
Boats under 7 metres long
Equity 35% or more
- Nominal interest rate 8.84 %, APR 11.36 %
Equity under 35%
- Nominal interest rate 9.75 %, APR 12.36 %
Equity 35% or more
- Nominal interest rate 6.59 %, APR 8.53 %
Equity 20% - 35%
- Nominal interest rate 7.25 %, APR 9.23 %
Equity under 20%
- Nominal interest rate 8.25 %, APR 10.32 %
Equity 35% or more
- Nominal interest rate 7.80 %, APR 9.84 %
Equity 20% - 35%
- Nominal interest rate 9.10 %, APR 11.26 %
Equity under 20%
- Nominal interest rate 9.55 %, APR 11.74 %
Price list for unsecured loans
Price example: Nominal interest rate from 10.9%, effective interest rate 11.7%, NOK 100,000 over 5 years, establishment fee from NOK 500. Cost NOK 30,806. A total of NOK 130,806.
Nominal interest rate Saga Consumer Loan: 10.9%
Nominal interest rate DNB Consumer Loan: 10.9 % to 13 %
Payment insurance 0.4% per month of the balance.
Sale of new products stopped.
- Nominal interest rate: 16.05%
- APR: 17.13%
For customers without a programme, an extra NOK 100 is charged every 4 months (NOK 300 per year)
Sale of new products stopped.
- Nominal interest rate: 16.05%
- APR: 16.92%
Other prices and price examples for loans
Set-up
Environmental loans
- NOK 0
Home mortgages, fixed-rate loans, home equity credit lines – per case
- From NOK 2 190
Construction credit
- NOK 5 000 - 20 000
Consumer loan and SAGA Consumer loan
- From NOK 500
Deducted from the granted credit limit
Car loan SAGA
- NOK 2 300
Other car loans
- NOK 2 500
Loans for boats shorter than 7 metres
- NOK 3 700
Loans for boats longer than 7 metres
- NOK 2 500
Instalment fees for loans
Home mortgages, fixed-rate loans
- NOK 65
Home equity credit lines
- NOK 65 (instalment fees are charged even if the balance of the home equity credit line is 0)
Car loans
- NOK 65
Green car loan
- NOK 65
Consumer loan/SAGA Consumer loan
- eFaktura (eInvoice) NOK 0
- Invoice sent in the post NOK 10
Loan collateral
Deposit fees
Per security object (property, access documents): NOK 1 000
Surety, pledges on bank deposits, guarantees, funds or shares: NOK 500
Cost for establishing collateral in stockapartment is determined by the accountant.
Public registration costs
Real estate, refinancing, house cooperative share
- NOK 500
Car, motorcycle and caravan – electronically
- NOK 1 280
Car, motorcycle and caravan – paper
- NOK 1 847
Other prices home mortgage
Change the debit account, instalment date, reduce the term, delete security upon redemption, change of debtor (change places)
- NOK 0
Simple changes (interest-only period, extend term, etc.)
- NOK 0
Extensive changes (for fixed-rate interest, priority changes, mortgage waivers, changes to security or co-guarantee etc.)
- NOK 750
Remaining debt statement or copy of documents (per loan)
- NOK 250
Construction loan per invoice
- NOK 35
Other prices for consumer credit
Transfer from consumer financing to account, self-service by customer
- NOK 0
Transfer from consumer financing to account, performed by customer centre
- NOK 75
Private leasing
Forwarding of fines
- NOK 250
AutoPASS invoice with no additional fee from issuer
- NOK 125
AutoPASS invoice with additional fee from issuer
- NOK 250
Re-invoicing of claims sent to debt collection
- NOK 250
Late payment/deferred payment
Reminder (1st reminder)
- NOK 35
Collection notification (2nd reminder)
- NOK 35
Payment request (3rd reminder)
- NOK 105
Home mortgages – floating interest rate up to 75% of market value
- Nominal floating interest rate from 6.15 %, annual percentage rate of charge (APRC) from 6.40 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 13 135. The total amount payable would be NOK 3 943 690 made up of the loan amount plus interest of NOK 1 943 690. Presupposes a mortgage on the home
First home mortgages
- Nominal floating interest rate from 5.49 %, annual percentage rate of charge (APRC) from 5.70 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 334. The total amount payable would be NOK 3 703 390 made up of the loan amount plus interest of NOK 1 703 390. Presupposes a mortgage on the home.
Home equity credit lines
- Nominal floating interest rate from 6.15 %, annual percentage rate of charge (APRC) from 6.40 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 13 135. The total amount payable would be NOK 3 943 690 made up of the loan amount plus interest of NOK 1 943 690. Presupposes a mortgage on the home
Fixed-rate loan 3 years
- Nominal interest from 4,99 %, operating interest rate 5,18 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11745 per month. Cost NOK 1 526 690, total NOK 3 526 690.
Fixed-rate loan 5 years
- Nominal interest from 4,94 %, operating interest rate 5,13 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11686 per month. Cost NOK 1 508 990, total NOK 3 508 990.
Fixed-rate loan 10 years
- Nominal interest from 4,89 %, operating interest rate 5,08 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11628 per month. Cost NOK 1 491 590, total NOK 3 491 590.
Fixed-rate loan Ung (Young Adults) 3 years
- Nominal interest from 4,94 %, operating interest rate 5,13 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11686 per month. Cost NOK 1 508 990, total NOK 3 508 990.
Fixed-rate loan Ung (Young Adults) 5 years
- Nominal interest from 4,89 %, operating interest rate 5,08 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11628 per month. Cost NOK 1 491 590, total NOK 3 491 590.
Fixed-rate loan Ung (Young Adults) 10 years
- Nominal interest from 4,84 %, operating interest rate 5,02 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11571 per month. Cost NOK 1 474 490, total NOK 3 474 490.
Green Home loan/Green home equity credit lines
- Nominal floating interest rate from 5.49 %, annual percentage rate of charge (APRC) from 5.70 %. Annuity loan NOK 2 000 000 o/25 years with monthly payment NOK 12 334. The total amount payable would be NOK 3 703 390 made up of the loan amount plus interest of NOK 1 703 390. Presupposes a mortgage on the home.
Green Fixed-rate loan 3 years
- Nominal interest from 4,84 %, operating interest rate 5,01 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11571 per month. Cost NOK 1 471 300, total NOK 3 471 300.
Green Fixed-rate loan 5 years
- Nominal interest from 4,79 %, operating interest rate 4,96 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11513 per month. Cost NOK 1 453 900, total NOK 3 453 900.
Green Fixed-rate loan 10 years
- Nominal interest from 4,74 %, operating interest rate 4,90 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11455 per month. Cost NOK 1 436 500, total NOK 3 436 500.
SAGA Fixed-rate loan 3 years
- Nominal interest from 4,94 %, operating interest rate 5,13 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11686 per month. Cost NOK 1 508 990, total NOK 3 508 990.
SAGA Fixed-rate loan 5 years
- Nominal interest from 4,89 %, operating interest rate 5,08 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11628 per month. Cost NOK 1 491 590, total NOK 3 491 590.
SAGA Fixed-rate loan 10 years
- Nominal interest from 4,84 %, operating interest rate 5,02 %. Kr 2 000 000 o/25 year. Instalment amount NOK 11571 per month. Cost NOK 1 474 490, total NOK 3 474 490.
Consumer loan
- Nominal interest rate 10.9%, APR 11.7%, NOK 100 000 over 5 years, front-end fee NOK 500. Cost NOK 30 806. Total NOK 130 806.
SAGA Consumer loan
- Nominal interest rate 10.9%, APR 11.7%, NOK 100 000 over 5 years, front-end fee NOK 500. Cost NOK 30 806. Total NOK 130 806.
Car loans for young adults at 35% equity
- Nominal interest rate 6,49 %, eff. Interest rate 8,43 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 999 per month. Cost: NOK 32 440 total: NOK 182 440.
Car loans for young adults at 20% equity
- Nominal interest rate 7,15 %, eff. Interest rate 9,12 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 045 per month. Cost: NOK 35 200 total: NOK 185 200.
Car loans for young adults without equity
- Nominal interest rate 8,15 %, eff. Interest rate 10,22 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 117 per month. Cost: NOK 39 520 total: NOK 189 520.
Car loan and Secured Car loan® at 35% equity
- Nominal interest rate 6,59 %, eff. Interest rate 8,53 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 006 per month. Cost: NOK 32 860 total: NOK 182 860.
Car loan and Secured Car loan® at 20% equity
- Nominal interest rate 7,25 %, eff. Interest rate 9,23 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 052 per month. Cost: NOK 35 620 total: NOK 185 620.
Car loan and Secured Car loan® without equity
- Nominal interest rate 8,25 %, eff. Interest rate 10,32 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 124 per month. Cost: NOK 39 940 total: NOK 189 940.
Green car loan at 35% equity
- Nominal interest rate 6,49 %, eff. Interest rate 8,43 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 999 per month. Cost: NOK 32 440 total: NOK 182 440.
Green car loan at 20% equity
- Nominal interest rate 7,15 %, eff. Interest rate 9,12 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 045 per month. Cost: NOK 35 200 total: NOK 185 200.
Green car loan without equity
- Nominal interest rate 8,15 %, eff. Interest rate 10,22 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 117 per month. Cost: NOK 39 520 total: NOK 189 520.
SAGA Car loan and SAGA Platinum at 35% equity
- Nominal interest rate 6,49 %, eff. Interest rate 8,36 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 2 999 per month. Cost NOK 32 240 total: NOK 182 240.
SAGA Car loan and SAGA Platinum at 20% equity
- Nominal interest rate 7,15 %, eff. Interest rate 9,06 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 045 per month. Cost NOK 35 000 total: NOK 185 000.
SAGA Car loan and SAGA Platinum without equity
- Nominal interest rate 8,15 %, eff. Interest rate 10,15 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 117 per month. Cost NOK 39 320 total: NOK 189 320.
Boat loans above 7 metres at 35% equity
- Nominal interest rate 7,95 %, eff. Interest rate 9,99 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 102 per month Cost: NOK 38 620 total: NOK 188 620
Boat loans above 7 metres for less than 35% equity
- Nominal interest rate 8,70 %, eff. Interest rate 10,80 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 156 per month Cost: NOK 41 860 total: NOK 191 860
Boat loans less than 7 metres at 35% equity
- Nominal interest rate 8,70 %, eff. Interest rate 10,80 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 156 per month Cost: NOK 41 860 total: NOK 191 860
Boat loans less than 7 metres at less than 35% equity
- Nominal interest rate 8,84 %, eff. Interest rate 11,36 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 167 per month Cost: NOK 43 720 total: NOK 193 720
Caravan at 35% equity
- Nominal interest rate 6,59 %, eff. Interest rate 8,53 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 006 per month. Cost: NOK 32 860 total: NOK 182 860.
Caravan at 20% equity
- Nominal interest rate 7,25 %, eff. Interest rate 9,23 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 052 per month. Cost: NOK 35 620 total: NOK 185 620.
Caravan without equity:
- Nominal interest rate 8,25 %, eff. Interest rate 10,32 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 124 per month. Cost: NOK 39 940 total: NOK 189 940.
Motorcycle, snowmobiles and ATV at 35% equity
- Nominal interest rate 7,80 %, eff. Interest rate 9,84 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 092 per month Cost: NOK 38 020 total: NOK 188 020
Motorcycle, snowmobiles and ATV at 20% equity
- Nominal interest rate 9,10 %, eff. Interest rate 11,26 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 186 per month Cost: NOK 43 660 total: NOK 193 660
Motorcycle, snowmobiles and ATV without equity
- Nominal interest rate 9,55 %, eff. Interest rate 11,74 %, NOK 150 000 o/5 years. Annuity loans NOK 150 000 o/5 years. Instalment amount NOK 3 218 per month Cost: NOK 45 580 total: NOK 195 580
Price examples are calculated on the basis of guidelines from the authorities, and are based on several factors. Among other things, the APR and costs of your loan are affected by the loan amount, repayment period, any interest-only period, costs and the nominal interest rate.
Compare our prices with other companies at Finansportalen.no
The guide prices for Young Adult Home Mortgages and Start home mortgages for young adults only apply to loans for primary residences and assume that the security qualifies for DNB Boligkreditt (Housing Credit).
The guide prices for home mortgages up to 75% and home equity credit lines up to 60% apply to loans and assume that the security qualifies for DNB Boligkreditt (Housing Credit). For loan-to-value ratios above 75% (above 60% for home equity credit lines), loans to second homes, or where the security does not quality for Boligkreditt, the interest rate is 0.10 percentage points higher.
Most homes qualify for DNB Boligkreditt. Some exceptions are holiday homes, secondary/rental homes, undeveloped land and agricultural properties with a residential section.
DNB Boligkreditt AS is a wholly-owned subsidiary of DNB Bank ASA. DNB Boligkreditt gives loans to private individuals and independent business owners who mortgage their own residential property up to 75% of well-founded market value.