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.