New price from 23. March 2019
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.
| Nom int rate | Eff. int. rate | |
| Home mortgage for young adults (BLU) | ||
| BLU Start | 2.54 % | 2.63 % |
| BLU | ||
| NOK 4 000 000 or more | 2.75 % | 2.82 % |
| Less than NOK 4 000 000 | 2.85 % | 2.95 % |
| Fixed-rate Home mortgage | ||
| 3 years | 2.60 % | 2.69 % |
| 5 years | 2.90 % | 3,00 % |
| 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 |
||
| Green home mortgage | 2.54 % | 2.63 % |
| 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 | 3.00 % | 3.07 % |
| NOK 2 000 000 - 4 000 000 | 3.00 % | 3.10 % |
| Less than NOK 2 000 000 | 3.24 % | 3.41 % |
| Home mortgage up to 85 % of market value | ||
| NOK 4 000 000 or more | 3.10 % | 3.18 % |
| NOK 2 000 000 - 4 000 000 | 3.10 % | 3,21 % |
| Less than NOK 2 000 000 | 3.34 % | 3.51 % |
| Home equity credit line up to 60 % of market value, Senior Home equity credit line up to 50 % of market value |
||
| NOK 4 000 000 or more | 2.95 % | 3.02 % |
| NOK 2 000 000 - 4 000 000 | 2.95 % | 3.05 % |
| Less than NOK 2 000 000 | 3.20 % | 3.37 % |
| Fixed rate Home mortgage | ||
| 3 years | 2.70 % | 2.80 % |
| 5 years | 2.90 % | 3,00 % |
| 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 |
||
| Green home mortgage | 2.29 % | 2.38 % |
| 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 | 13.09 % | |
| NOK 100 000 | 13.70 % | |
| NOK 65 000 | 14.24 % | |
| NOK 40 000 | 15.22 % | |
| NOK 10 000 | 22.72 % | |
| Debt insurance 0.4 % per month of outstanding balance |
| Nom int. rate | Eff. int. rate | |
| Fixed rate Home mortgage | ||
| 3 years | 2.60 % | 2.69 % |
| 5 years | 2.90 % | 3,00 % |
| 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 |
||
| 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 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 |
Young adults – up to 34 years
BLU Start:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.29 % p.a. Annuity loan with effective interest rate 2.38 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 646 500 over 25 years.
BLU:
Loan amount NOK 2 000 000, up to 85 % 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 2 900 and instalment fee NOK 50. Total cost NOK 2 739 800 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000, nominal interest rate 2.60 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 2.69 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 739 800 over 25 years.
Green home mortgage: Please see "34 years or more"
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 2.60 % p.a. for 3 year fixed-rate period. Annuity loan with effective interest rate 2.69 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 739 800 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 3.40 % 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 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 2.75 % p.a. Annuity loan with effective interest rate 2.85 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 785 700 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 2.85 % p.a. Annuity loan with effective interest rate 2,95 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 816 300 over 25 years.
Home equity credit line and Senior Home equity credit line:
Loan amount NOK 2 000 000, nominal interest rate 2.70 % p.a. Annuity loan with effective interest rate 2.80 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 770 400 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 2.70 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 2.80 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 770 400 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 2.29 % p.a. Annuity loan with effective interest rate 2.38 % p.a. including front-end fee NOK 2 900 and instalment fee NOK 50. Total cost NOK 2 646 500 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 3.55 % 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 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 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.
