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 loans from 22. June 2019
| Nom int rate | Eff. int. rate | |
| Home mortgage for young adults (BLU) | ||
| BLU Start | 2.79 % | 2.90 % |
| BLU | ||
| NOK 2 000 000 or more | 2.99 % | 3.10 % |
| Less than NOK 2 000 000 | 3.10 % | 3.29 % |
| Fixed-rate Home mortgage | ||
| 3 years | 2.75 % | 2.86 % |
| 5 years | 2.85 % | 2.96 % |
| 10 years | 3.10 % | 3.22 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Green home mortgage | 2.69 % | 2.80 % |
| Car Loan for young adults | ||
| Down payment 35 % or more | 3.55 % | 5.13 % |
| 20-35 % | 4.20 % | 5.81 % |
| less than 20 % | 5.10 % | 6.75 % |
| Personal loan - maximum NOK 50 000 | 11.05 % | 14.34 % |
| Home mortgage up to 75 % of market value | Nom int. rate | Eff. int. rate |
| NOK 4 000 000 or more | 2.99 % | 3.07 % |
| NOK 2 000 000 - 4 000 000 | 3.10 % | 3.22 % |
| Less than NOK 2 000 000 | 3.45 % | 3.65 % |
| Home equity credit line up to 60 % of market value | ||
| NOK 4 000 000 or more | 2.99 % | 3.07 % |
| NOK 2 000 000 - 4 000 000 | 3.10 % | 3.22 % |
| Less than NOK 2 000 000 | 3.45 % | 3.65 % |
| Fixed rate Home mortgage | ||
| 3 years | 2.75 % | 2.86 % |
| 5 years | 2.85 % | 2.96 % |
| 10 years | 3.10 % | 3.22 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Green home mortgage | 2.69 % | 2.80 % |
| 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 | 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 % | |
| Debt insurance 0.4 % per month of outstanding balance |
| Nom int. rate | Eff. int. rate | |
| Fixed rate Home mortgage | ||
| 3 years | 2.75 % | 2.86 % |
| 5 years | 2.85 % | 2.96% |
| 10 years | 3.10 % | 3.22 % |
| 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 | 3.40 % | 4,92 % |
| 20 - 35 % | 4.10 % | 5.64 % |
| less than 20 % | 4.90 % | 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 % |
| Nom int. rate | Eff. int. rate | |
| Car loan | ||
| Down payment 35 % or more | 3.55 % | 5.13 % |
| 20 - 35 % | 4.20 % | 5.81 % |
| less than 20 % | 5.10 % | 6.75 % |
| Young adults and SAGA: please see above | ||
| Green Car Loan | ||
| Down payment 35 % or more | 3.40 % | 4.67 % |
| 20 - 35 % | 4.10 % | 5.40 % |
| less than 20 % | 4.90 % | 6.24 % |
| Secured Car loan ® | ||
| Down payment 35 or more | 3.55 % | 5.13 % |
| 20 - 35 % | 4.20 % | 5.81 % |
| less than 20 % | 5.10 % | 6.75 % |
| Nom int. rate | Eff. int. rate | |
| Boat, 7 metres or more | ||
| Down payment 35% or more | 4.65 % | 6.28 % |
| less than 35% | 5.35 % | 7.01 % |
| Boat, less than 7 metres | ||
| Down payment 35% or more | 5.30 % | 7.34 % |
| less than 35% | 6.30 % | 8.41 % |
| Caravan | ||
| Down payment 35 % or more | 3.55 % | 5.13 % |
| 20 - 35 % | 4.20 % | 5.81 % |
| less than 20 % | 5.10 % | 6.75 % |
| MC, snowmobile, ATV | ||
| Down payment 35 % or more | 4.45 % | 6.09 % |
| 20 - 35 % | 5.45 % | 7.14% |
| less than 20 % | 5.95 % | 7.67 % |
| Front-end fees | |
| Home mortgages and Home equity credit lines - per application | From NOK 1 900 |
| 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 1 960 |
| 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 60 |
| 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 |
|
| 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 70 |
| Notice of collection (second reminder) | NOK 70 |
| Demand for payment (third reminder) | NOK 210 |
Young adults – up to 34 years
BLU Start:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.79 % p.a. Annuity loan with effective interest rate 2.90 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 801 000 over 25 years.
BLU:
Loan amount NOK 2 000 000, up to 85 % of market value. Nominal interest rate 2.99 % p.a. Annuity loan with effective interest rate 3.10 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 862 800 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000, nominal interest rate 2.75 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 2.86 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 789 879 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 3.55 % p.a., effective interest rate 5.13 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 169 888 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 4.20 % p.a., effective interest rate 5.81 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 172 561 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 5.10 % p.a., effective interest rate 6.75 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 176 305 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 2.75 % p.a. for 3 year fixed-rate period. Annuity loan with effective interest rate 2.86 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 789 879over 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 3.40 % p.a., effective interest rate 4.92 % p.a. including front-end fee NOK 1 960 and instalment fee NOK 60. Total cost NOK 169 057 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 4.10 % p.a., effective interest rate 5.64 % p.a., including front-end fee NOK 1 960 and instalment fee NOK 60. Total cost NOK 171 926 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 4.90 % p.a., effective interest rate 6.48 % p.a., including front-end fee NOK 1 960 and instalment fee NOK 60. Total cost NOK 175 243 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. Total cost 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 3.10 % p.a. Annuity loan with effective interest rate 3.22 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 897 300 over 25 years.
Home equity credit line:
Loan amount NOK 2 000 000, nominal interest rate 3.10 % p.a. Annuity loan with effective interest rate 3.22 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 897 300 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2.75 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 2.86 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 789 879 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.69 % p.a. Annuity loan with effective interest rate 2.80 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 60. Total cost NOK 2 770 100 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 70 000. Nominal interest rate 12.00 %, effective interest rate 14.20 % including front-end fee NOK 500. Total cost 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 3.55 % p.a., effective interest rate 5.13 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 169 888 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 4.20 % p.a., effective interest rate 5.81 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 172 561 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 5.10 % p.a., effective interest rate 6.75 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 176 305 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 3.40 % p.a., effective interest rate 4.67 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Total cost NOK 168 075 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 4.10 % p.a., effective interest rate 5.40 % p.a., including. front-end fee 2 160 NOK and instalment fee NOK 40. Total cost NOK 170 948 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 4.90 % p.a., effective interest rate 6.24 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 40. Total cost NOK 174 269 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 4.65 % p.a., effective interest rate 6.28 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 174 427 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 5.35 % p.a., effective interest rate 7.01 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 177 355 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 5.30 % p.a., effective interest rate 7.34 % p.a. including front-end fee NOK 3 500 and instalment fee NOK 60. Total cost NOK 178 673 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 6.30 % p.a., effective interest rate 8.41 % p.a., including front-end fee NOK 3 500 and instalment fee NOK 60. Total cost NOK 182 943 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 3.55 % p.a., effective interest rate 5.13 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 169 888 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 4.20 % p.a., effective interest rate 5.81 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 172 561 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 5.10 % p.a., effective interest rate 6.75 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 176 305 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 4.45 % p.a., effective interest rate 6.09 % p.a. including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 173 332 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 5.45 % p.a., effective interest rate 7.14 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 177 447 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 5.95 % p.a., effective interest rate 7.67 % p.a., including front-end fee NOK 2 160 and instalment fee NOK 60. Total cost NOK 179 526 over 5 years.
Credit cards
DNB Mastercard:
Nominal interest rate 19.20 %, effective interest rate 20.98 %, NOK 35 000. Total cost NOK 38 746 over 12 months.
Hvitt Mastercard (White Mastercard):
Nominal interest rate 18,60 %, effective interest rate 20.27 %, NOK 5 000. Total cost NOK 5 518 over 12 months.
Sølv Mastercard (Silver Mastercard):
Nominal interest rate 18.60 %, effective interest rate 20.27 %, NOK 30 000. Total cost 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. Total cost NOK 143 021 over 12 months.
SAGA Platinum Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.56 %, NOK 205 000. Total cost NOK 225 533 over 12 months.
Private Banking Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.56%, NOK 225 000. Total cost 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.
