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.

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.


Home mortgage

 Prices for new mortgages Nom int rate Eff. int. rate
     
Green home mortgage - up to 85 % of market value 1.99 %  2,09 %
     
Home mortgage young adults - up to 85 % of market value    
BLU Start 1.99 % 2.09 %
     
Home mortgage - up to 75 % of market value    
NOK 4 000 000 or more 2.65 % 2.72 %
NOK 2 000 000 - 4 000 000 2.79 % 2.91 %
Less than NOK 2 000 000 2.99 % 3.14 %
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 2.65 % 2.72 %
NOK 2 000 000 - 4 000 000 2.79 % 2.91 %
Less than NOK 2 000 000 2.99 % 3.14 %
     
Fixed-rate Home mortgage young adults
3 years 3,.94 % 4.09 %
5 years 4.04 % 4.19 %
10 years 4.09 % 4.24 %
Fixed-rate Home mortgage    
3 years 3,99 % 4.14 %
5 years 4.09 % 4.24 %
10 years 4.14 % 4,30 %
The interest rate may be changed at short notice.
Your interest rate will be set on the disbursement day
   
     
Construction credit 5.50 %  
Commission on approved limit, per quarter 0.33 %  
Credit utilisation ratio 100 %   7.05 %
50 %   8.76 %
20 %   14.03 %

Bridge loan - please contact us

SAGA

We consider each loan application individually. Your price will be based on your debt-servicing capacity, collateral, risk and current customer relationship.

  Nom int. rate Eff. int. rate
     
Fixed rate Home mortgage    
3 years 3.94 % 4.09 %
5 years 4.04 % 4.19 %
10 years 4.09 % 4.24 %
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 %

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

Car loans

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 % 4.80 %
                    20 - 35 % 3.73 % 5,49 %
                    less than 20 % 4.73 % 6,53 %
     
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 %

Boats, MC and caravans


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 %

Consumer finance

  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     

Fees and charges



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

Calculation of effective interest rates

Young adults – up to 34 years

BLU Start:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 1.99 % p.a. Annuity loan with effective interest rate 2.09 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 562 790, total NOK 2 562 790 over 25 years.

Fixed-rate home mortgage young adults:

Loan amount NOK 2 000 000, nominal interest rate 3.94 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 4.09 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 169 690, totalt NOK 3 169 690 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, nominal interest rate 3.94 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 4.09 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 169 690, totalt NOK 3 169 690 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 2.54 % p.a. Annuity loan with effective interest rate 2.65 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 726 290, total NOK 2 726 290 over 25 years.

Home equity credit line:
Loan amount NOK 2 000 000, nominal interest rate 2.54 % p.a. Annuity loan with effective interest rate 2.65 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 726 290, total NOK 2 726 290 over 25 years.

Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 3.99 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 4.14 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 186 190, total NOK 3 186 190 over 25 years.

Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 1.99 % p.a. Annuity loan with effective interest rate 2.09 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 562 790, totalt NOK 2 562 790 over 25 years.

Construction credit:
Loan amount NOK 2 000 000. Nominal interest rate 5.50 % p.a. Effective interest rate 7.31 % 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 142 400, total NOK 2 142 400 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 4.80 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 18 598, total NOK 18 598 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 5.49 % 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 4.73 % p.a., effective interest rate 6.53 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 25 442, total NOK 175 442 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.

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