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Get information about what you need to do regarding banking relationships, loans, shares, funds, bills, accounts, insurance and settlement.","template":"/conf/dnb-openpages/settings/wcm/templates/information","lastModified":"1784015164151","title":"Estate of the Deceased","name":"dodsbo","language":"en"},"languages":{"no":"/okonomisk-radgiver/familie/dodsbo","en":"/en/financial-adviser/family/estate"},"structuredData":"[\"{\\\"@context\\\":\\\"https://schema.org\\\",\\\"@type\\\":\\\"FAQPage\\\",\\\"mainEntity\\\":[{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens if the deceased had an address abroad?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>When the deceased has an address abroad, we require additional information.</p><p>Before customer information can be disclosed and the customer relationship closed, we require a copy of the death certificate together with the will or other inheritance documentation. This must be confirmed and verified by a notary public in the deceased's home country. The inheritance documentation must include assets held with DNB or Sbanken. The documents must also be translated into Norwegian or English by an authorised translator.</p><p>When the customer relationship with the deceased must be closed, we need to receive the recipient's name, address, account number, BIC address, IBAN number, Swift/Fedwire number, as well as the bank's name and address. This information must be documented by the recipient bank.</p><p>The application must be signed by the person or persons acting on behalf of the estate. For foreign nationals who are not customers of DNB or Sbanken, a copy of the passport with signature, confirmed by a notary public in the home country, must be submitted.</p><p>The documents should be sent by regular post to:</p><p>DNB\\\\nSpesialengasjement\\\\nPO Box 1600 Sentrum\\\\n0021 Oslo</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Can I obtain account statements from the deceased's account?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>Yes, it is possible to order account statements from the deceased's account. First, the bank must have received a grant of probate or power of attorney for assets issued by the district court. </p><p>According to the Inheritance Act, authorisation regarding current assets and liabilities or a grant of probate from the district court provides the right to access the balance of the deceased's bank accounts at the time of death, as well as an overview of account transactions for the three months prior to death.</p><p>Beyond this, access to account transactions before the date of death is subject to confidentiality in accordance with the Norwegian Financial Institutions Act, Section 16-2. If there are special reasons why further access is relevant to the settlement, this must be justified in writing. However, there are strict requirements for disclosure, and the bank will assess whether there are grounds for this or not.  </p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Can I access the deceased's account via my own online bank?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>It is not possible to establish access to the deceased's account via your own online bank because this would provide insight into the deceased's usage, which is subject to confidentiality (cf. Financial Undertakings Act 16-2).</p><p>If the person responsible for the estate has been an authorised user on the account prior to the death, access to the account will continue as soon as the grant of probate with any powers has been received and processed by the bank.</p><p>If the person responsible for the estate has not had access to the account previously, we recommend opening a separate account for the estate in the online bank, for payment of bills, distribution of inheritance and similar matters.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens to the banking relationship when the deceased has a sole proprietorship?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>This customer relationship forms part of the estate, just like the private relationship.</p><p>A surviving spouse who has taken over the estate as an undivided estate can take over the sole proprietorship from the spouse and retain the same organisation number. After the sole proprietorship has been registered with the new owner at the Brønnøysund Register Centre, the bank can be contacted to take over the accounts of the business.</p><p>You can read more about taking over a sole proprietorship at <span>Brønnøysund Register Centre</span>.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"My pension is paid into the deceased's account, how do I access the money?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>The account will be blocked as a result of the death. You can provide documentation that your pension is being paid into the deceased's account to receive assistance in transferring the money to your personal account.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens to the banking relationship if no one takes over the estate?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>An estate that no one takes over will be closed by the district court as no action taken or nothing to divide. This means that the estate has no legal owners.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What is an authorisation under the Inheritance Act Section 95?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>If the estate's assets are expected to yield nothing or only a minimal amount for distribution after funeral expenses have been covered, the district court transfers the assets to the person who arranged the funeral, or another person who was close to the deceased.</p><p>The assets stated in the authorisation must correspond with the assets left by the deceased.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"When can the settlement be expected to be completed?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>An estate often needs to go through several different areas of the bank. The processing time therefore depends on what type of customer relationship the deceased had. To ensure the settlement proceeds as quickly as possible, you should therefore submit all information that appears in the checklist above.</p><p>The bereaved will receive confirmation of settlement from the various units relevant to the deceased's customer relationship when the case has been fully processed.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens to the deceased's credit card?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>The credit card will be blocked for use and must be cut up and discarded. If the deceased has credit card debt, the amount must be settled as soon as possible, normally within two weeks of the heir being notified of this.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Where can I send documents by regular post?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>Sending documents for estate by regular post</p><p>DNB\\\\nSpesialengasjement\\\\nPO Box 1600 Sentrum\\\\n0021 Oslo</p><p>For share transactions</p><p>DNB\\\\nRegistrar's Department\\\\nPO Box 1600 Sentrum\\\\n0021 Oslo</p><p>Regular post to DNB Liv</p><p>DNB Livsforsikring AS\\\\nPO Box 7500\\\\n5020 Bergen</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Estate\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>When someone dies, they leave behind what we call an estate. An estate consists of the deceased's assets, debts, rights and obligations, and not just home contents and movable property.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Estate administrator\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>Lawyer appointed by the district court to handle everything in connection with the estate administration in a public division of an estate.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Authorisation holder\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>Responsible for the estate in accordance with authorisation from the heirs.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Surety\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>To act as surety means to guarantee another person's debt. This means that if the borrower does not repay the loan, it may be the person who has provided security, or acted as 'surety', who must repay and becomes liable for what the borrower owes the bank.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Co-borrower\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>A co-borrower is one of two or more borrowers on the same loan. A typical situation is when two people have a joint mortgage and one is the main borrower and the other is the co-borrower. Both borrowers are equally liable for the loan.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Refinancing\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>Refinancing is common when someone wishes to take over a loan after someone has died. To refinance means to repay one loan with another loan. The person who wishes to refinance a loan applies for a new loan and uses this money to repay the old loan.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Grant of probate\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>A grant of probate gives the heirs the right to dispose of the deceased's assets. This includes, for example, closing bank accounts, selling securities and property, and entering into agreements. It is the district court in the deceased's jurisdiction that issues the grant of probate. The heirs request a grant of probate by sending the district court a '<span>Declaration of private division of an estate</span>' in completed and signed form.</p>\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Continuation of joint estate\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"<p>With continuation of joint estate, the surviving spouse or cohabitant postpones the settlement and distribution of the deceased's estate. The surviving spouse/cohabitant takes over the assets and any debts of the deceased.</p>\\\"}}]}\"]"},"content":"{\"sections\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"description\":\"It is painful to lose someone you care about, whilst at the same time there are many practical tasks that need to be handled.\",\"title\":\"Estate of the Deceased and Probate Settlement\",\"isTranslated\":true,\"_meta\":{\"id\":\"pageTitle\",\"anchorId\":\"abca662ee-bab5-423c-96ff-f307f818b205\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"factBoxContent\",\"isTranslated\":true,\"images\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"height\":3126,\"altText\":\"Autumn leaves.\",\"dynamicMediaPath\":\"dnbbank/1861614\",\"isVector\":false,\"variation\":\"small\",\"id\":\"/content/dam/brandcentre/no/7/18/61/6/1861614.jpg\",\"width\":4164,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"standard\":\"Wide-1\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/1861614\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/1861614\",\"profiles\":{\"Wide-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/1861614:Wide-1?fit=constrain,1&wid=4164\"}}}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"To administer the estate, probate documents and powers of attorney are required\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Please note that before you begin the practical matters relating to the deceased's banking relationships, such as shares, funds, loans, insurance, access to accounts and similar, the grant of probate and any powers of attorney must be submitted.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Use the checklist on this page to administer the estate.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"subtitle\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The deceased's customer relationships with the bank\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The deceased's customer relationship is blocked upon notification of death. This means, among other things, that the deceased's accounts \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"are blocked until inheritance documents have been processed – they remain open for deposits, however.\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" In addition, bank cards stop working and standing payment agreements are stopped. You can read more about this in \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"the checklist below\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/processFlow1788256121\",\"anchorText\":\"sjekkliste\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/okonomisk-radgiver/familie/dodsbo#sjekkliste\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"subtitle\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Handle the estate step by step\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"As a service for next of kin, DNB offers to pay certain bills from the deceased's account for a period before grant of probate is received. \",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Follow the checklist below, step by step, and it will be easier to handle the estate during an already difficult period.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"a0e7319ac-7246-415d-9855-bfc2553cee74\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorTag\":\"sjekkliste\",\"title\":\"The first things you must do after a death\",\"isTranslated\":true,\"process\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"1. Contact a funeral director\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"It can be helpful to contact a funeral director in the event of a death. They will assist you with practical tasks following the death and notify the district court, which will then send you a letter with practical information. In the letter, you will be asked to decide how the estate should be settled.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":true,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Find a funeral director\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.google.com/search?q=begravelsesbyr%C3%A5\",\"href\":\"https://www.google.com/search?q=begravelsesbyr%C3%A5\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"2. Find out what the deceased has left behind\",\"isTranslated\":true,\"introduction\":\"You must submit a financial power of attorney to us to obtain an overview of the deceased's assets and liabilities with the bank.\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Obtain a financial power of attorney\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\\nBefore deciding what should be done with the estate, you should obtain an overview of the deceased's assets and liabilities. To do this, you need a financial power of attorney, which you can obtain by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"contacting the district court\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.domstol.no/no/finn-domstol/\",\"href\":\"https://www.domstol.no/no/finn-domstol/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". The power of attorney gives you access to an overview of the deceased's banking affairs and tax information.\\n\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A surviving spouse can gain access to the deceased's customer relationships without a power of attorney for assets during the first 60 days after the date of death. \",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Issue a probate notice\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Unsure whether the deceased left behind more debt than assets, for example with multiple creditors? In that case, you can ask the district court to issue a probate notice. A probate notice is an announcement published in the Norwegian Official Gazette and certain newspapers, requiring creditors to submit their claims within six weeks, after which the claim lapses. However, this does not apply to secured debt.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can submit a power of attorney for assets by logging in or by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to submit documents. Enter your Norwegian national identity number (11 digits).\\n\\nRemember to have the documents available before you log in. 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Choose what you want to do with the estate and obtain a grant of probate\",\"isTranslated\":true,\"introduction\":\"The district court will send out practical information after notification of death, and request that a decision be made regarding the form of probate and how the estate is to be settled. Division of an estate refers to the settlement and distribution of the estate. \",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"There are different forms of division of an estate. 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The probate certificate shows the heirs and who has assumed responsibility for the deceased's debts. \",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":true,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Fill in the form for division of an estate at domstol.no\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.domstol.no/no/dodsfall-arv-og-skifte/skjema/\",\"href\":\"https://www.domstol.no/no/dodsfall-arv-og-skifte/skjema/\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorTag\":\"tilgang-til-midler\",\"tips\":\"\",\"title\":\"4. Gain access to the deceased's funds in the bank\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"To gain access to the deceased's bank funds, you must submit the correct documentation. This also applies even if you were an authorised user on the deceased's account before the death.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Copy of grant of probate\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" – this states who the heirs are in the estate. 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The power of attorney granted applies to DNB and Sbanken, not other parties.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Copy of valid proof of identity\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" (passport, national ID card, driving licence) with signature from the person responsible for the estate (attorney) who is not a bank customer at DNB.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Submit documents by logging in here or by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to submit documents. \\n\\nRemember to have the documents available before you log in. 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Do you need to grant authorisation to another heir?\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When several heirs are responsible for the estate, they must act jointly. This means that for settlement of customer accounts, transfer of funds and payment of bills, all must sign the instruction before it can be executed by the bank. Those who are not bank customers at DNB\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"/Sbanken \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"must also enclose a copy of proof of identity with signature.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"If one person is appointed as responsible for the estate, authorisation for this can be submitted. \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Each individual heir can complete and submit authorisation by logging in. The authorisation granted applies to DNB and \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Sbanken, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"not other parties.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Alternatively, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"written authorisation \",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.domstol.no/no/dodsfall-arv-og-skifte/skjema/\",\"href\":\"https://www.domstol.no/no/dodsfall-arv-og-skifte/skjema/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" \\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Uploaded\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/factBox\",\"anchorText\":\"last-opp-dokument\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#last-opp-dokument\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or sent by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to grant authorisation. 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processed.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Pay bills\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the bills are to be sent to the bank and paid from the deceased's account, all heirs must sign the bills before submission. 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If the person responsible for the estate had access to the deceased's account before the death, the account will be made available again once the grant of probate with any powers has been submitted and processed. If the person responsible for the estate did not have access to the account previously, it may be advisable to open an account for the estate in your own online bank, to pay bills and distribute inheritance from the new account.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can upload bills by logging in here or send them by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to submit bills. Enter your Norwegian national identity number (11 digits).\\n\\nRemember to have the documents available before you log in. Approved file types for documents are JPG, PDF, DOC, JPEG and DOCX.\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and send us bills\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/innsending-av-faktura.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/innsending-av-faktura.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"8. Transfer of funds and closure of account\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you can gain access to the deceased's funds, you must first have submitted the grant of probate, any powers and proof of identity with signature if you are not a bank customer with DNB/Sbanken.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the person responsible for the estate was an authorised user on the deceased's account in the period before the death, access from your own online bank will continue as soon as the probate documents have been fully processed.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the estate has been taken over jointly by several heirs, and no person responsible for the estate has been appointed, we require a signed notice of settlement from all heirs, and valid proof of identity with signature from those who are not bank customers with DNB/Sbanken. You can complete the notice of transfer of funds and settlement by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Use of BankID in the link below.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can also complete the Settlement Document (PDF) \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"And upload it under 'Document Submission', o\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"r send it by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Settlement Document\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7575834/skjema-oppgjr-og-overfring-ddsbo2.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID and complete the form for transfer of funds and notification of settlement.\\n\\nEnter your Norwegian national identity number (11 digits).\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and send us notification of transfer and account closure\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/oppgjorsanmodning.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/oppgjorsanmodning.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"9. Loans and Debt\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Mortgage\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Fixed direct debits from an account for a mortgage at DNB or Sbanken will continue after death.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased has a loan at DNB or Sbanken, it must be repaid, refinanced, or transferred as soon as possible, normally within six months from the date of death.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"As long as the probate process is ongoing, the loan can remain in the deceased's name and be paid as normal. If the loan is automatically debited from the deceased's account, the debit will continue as long as there are sufficient funds in the account.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Other Loans\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Fixed direct debits for other types of loans than mortgages at DNB or Sbanken are stopped, and invoices are sent by post to the deceased's address. This makes it easier for the bereaved to monitor payment arrangements on an ongoing basis and request any payment deferral if necessary.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Taking Over a Loan\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If any of the heirs wish to take over the loan, this is done by submitting an \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"application for a new loan\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan\",\"href\":\"/lan\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In an undivided estate, the loan will be registered to the surviving partner. The same may apply where the partner takes over the estate in a private division of an estate together with joint children. \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"See different forms of division of an estate\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/processFlow1788256121/process/item842123404\",\"anchorText\":\"skifteattest\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#skifteattest\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased has a loan together with another person, the heirs must make an agreement with the co-borrower about who must pay and settle the loan. Both heirs and co-borrower are jointly liable for the loan.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Credit card debt\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Credit cards are blocked from use. Debt on credit cards must be paid in full, normally within two weeks from when the heirs have been notified.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Surety\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased has acted as guarantor for another person's loan, this must be resolved during the probate process. Heirs who assume responsibility for debt are also jointly liable for obligations related to the guarantee.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Notification of early repayment of a mortgage can be made by logging in here or sent by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to notify early repayment of a loan. Enter your Norwegian national identity number (11 digits).\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and notify early repayment of loan\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/innfrielse-lan.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/innfrielse-lan.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"10. Selling or taking over property\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Often there will be a need to sell the deceased's property. Arrange a meeting\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" with \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Eiendom\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"dnbeiendom.no/skjema/kontakt-meg?utm_source=DNB&utm_medium=lenke&utm_campaign=dodsbo\",\"href\":\"https://dnbeiendom.no/skjema/kontakt-meg?utm_source=DNB&utm_medium=lenke&utm_campaign=dodsbo\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" to receive advice and assistance that makes it easier to value and sell property in an estate.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If one or more of the heirs wish to take over the property, a grant of probate with any powers and statement of title must be submitted to \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The Norwegian Mapping Authority\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.kartverket.no/eiendom/skjema/hjemmelserkloring-arv---fast-eiendom\",\"href\":\"https://www.kartverket.no/eiendom/skjema/hjemmelserkloring-arv---fast-eiendom\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"11. Insurance and pension\",\"isTranslated\":true,\"introduction\":\"Many people have private insurance policies with DNB in addition to being insured through their employment. \\nWhen the death is registered in the National Population Register, a letter with information about the deceased's life and pension insurance policies with DNB is sent to the deceased's address.\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"DNB Liv and Fremtind\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"With DNB, the deceased may have insurance policies both with DNB Liv and with Fremtind Forsikring, which is an insurance provider with us.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Find the deceased's life insurance policies and pensions at Norsk pensjon\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you are an authorised representative or heir and wish to obtain information about where the deceased held life insurance policies and pensions, you can receive an overview by submitting a form to \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Norsk Pensjon\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.norskpensjon.no/etterlatte/\",\"href\":\"https://www.norskpensjon.no/etterlatte/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Group life insurance through employment\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased was insured through employment, the employer must remember to notify the insurance company of the death. You can contact the employer and ask them to do this to shorten the waiting time for any payout.\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Settlement with DNB Liv\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Depending on the coverage of the insurance policy, the settlement is made to the beneficiary, spouse or heirs according to law or will.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before DNB Liv can assess the settlement, the following is usually required:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Copy of probate certificate or certificate of undivided estate, if not already submitted.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The account number of the person or persons who must receive the payment, who must also be verified in DNB.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Copy of any will, as the policy may be a beneficiary in the will.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Any powers of attorney from heirs.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Death certificate if the deceased was resident abroad.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Life insurance\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Usually paid out to the beneficiary, surviving spouse or any heirs.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Private pension schemes\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"May be linked to a pension for the benefit of survivors or the estate. This depends on the coverage in the policy.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Occupational pension schemes\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"May be linked to a pension for the benefit of children under 18 or 21 years of age, or registered spouse/cohabitant or divorced spouse.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For a former spouse to be entitled to a payout, the law states that\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The marriage must have lasted for at least 10 years\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The divorced spouse must have been at least 45 years old at the time of the divorce\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The divorced spouse must not have remarried\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The deceased must have had a collective pension agreement with spousal cover during the marriage\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The divorced spouse must not have previously waived the right to the spouse's pension\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Some agreements provide cover for payouts to cohabitants. The definition of a cohabitant depends on the terms of the agreement.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Contact DNB Liv\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Get in touch for more information about life and pension insurance by calling 915 04800 and stating \\\"DNB Liv\\\", or send your enquiry via \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or by email \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"mailto\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"pensjon.privat@dnb.no\",\"isTranslated\":true}],\"mailto\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"pensjon.privat@dnb.no\",\"isTranslated\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Settlement with Fremtind Forsikring\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Fremtind is a provider of personal and general insurance at DNB. If the deceased had insurance policies provided by Fremtind, you should still contact us at DNB.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"General insurance\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Insurance on vehicles, property, valuables, travel and pets continues to be valid as long as premiums are paid. You should contact us to clarify how the insurance policies should be handled in connection with the estate. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Payment protection insurance\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased had payment protection insurance on credit card and consumer loan, the balance may be written off after notification of death, provided that the terms and conditions are met.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Contact us\\n\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Do you have questions or need to get in touch? Call us on 915 04800 and 915 04818 for claims settlement, or send your enquiry \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"online\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.fremtind.no/kontakt-oss/\",\"href\":\"https://www.fremtind.no/kontakt-oss/\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Done!\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"Shares should be transferred or sold during the probate process – preferably within six months of the date of death.\",\"title\":\"12. Selling shares\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased held shares, you can either take over the shares or \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"sell the shares and close the account. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you submit notification of the sale of shares, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"check which type of account the shares are held in \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"–  ASK or ordinary VPS account. \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Information about this can be found in the engagement overview. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the shares are held in a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"share savings account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", Fill in the form under section 14 and upload the form there. If the funds are held in an ordinary \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"VPS account,\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" Log in and report the sale directly via the link below, or fill in the form for 'Settlement of securities', \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"log in and upload it\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/factBox\",\"anchorText\":\"last-opp-dokument\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#last-opp-dokument\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or send it by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have any questions, you can contact us on 915 04800 and state \\\"shares\\\", and we will help you. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Settlement of securities\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7619231/ny-oppgjr-overfring-vps-nov20-1120-iw.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to report the sale of shares. Enter your Norwegian national identity number (11 digits) or another user ID issued by the bank.\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and report sale of shares\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/salg-verdipapirer.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/salg-verdipapirer.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"Shares should be transferred or sold during the probate process – preferably within six months of the date of death.\",\"title\":\"13. Transfer shares\",\"isTranslated\":true,\"introduction\":\"\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased held shares, you can either \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"transfer the shares\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or sell the shares and close the account. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you submit notification of share transfer, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"check which type of account the shares are held in - share savings account or ordinary VPS account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". You can find information about this in the engagement overview. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the shares are held in a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"share savings account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", Complete the form under point 14 and upload the form via the link provided. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the funds are held in an ordinary \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"VPS account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", Log in and report the transfer directly via the link below, or complete the form for 'Settlement of securities', \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"log in and upload it\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/factBox\",\"anchorText\":\"last-opp-dokument\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#last-opp-dokument\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or send it by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"All heirs must have opened the same type of securities account (ordinary VPS account or share savings account) as the deceased's shares are held in before the assignment is submitted.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have any questions, you can contact us on 915 04800 and state \\\"shares\\\", and we will help you.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Settlement of securities\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7619231/ny-oppgjr-overfring-vps-nov20-1120-iw.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to report the transfer of shares. Enter your Norwegian national identity number (11 digits) or other user ID issued by the bank.\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and report transfer of shares\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/overfore-verdipapirer.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/overfore-verdipapirer.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"14. Share savings account\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased has a share savings account, the account can either \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"be transferred to heirs\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" or \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"be closed and paid out to an account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". When the account is closed, all shares and funds are sold. Any gains are subject to tax.​\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you submit the form for the share savings account, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"check which type of account the shares are held in - ASK, ordinary VPS account or mutual fund account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". Information about this can be found in the holdings overview. If you have not received this, please contact us. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"All heirs who are to receive funds and/or shares from the deceased's share savings account must have opened a share savings account in their own name before the form is submitted to us. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Fill in the form in writing, log in and upload the form via the link below or send it by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have any questions, you can contact us on 915 04800 and state \\\"funds and shares\\\", and we will help you. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Form for transfer of share savings account\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7619306/05346-overforing-av-aksjesparekonto.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Form for distribution to heirs\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7619313/splitt-aksjesparekonto.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Form to close share savings account\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7619318/avslutte-ask-konto-0320-iw.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to upload the form for processing the share savings account. Enter your Norwegian national identity number (11 digits) or another user ID issued by the bank.\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and upload form\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/fond/uploaddoc.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/fond/uploaddoc.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"Tip! Funds should be transferred or sold during the probate process – preferably within six months of the date of death.\",\"title\":\"15. Funds\",\"isTranslated\":true,\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the deceased held funds, you can either \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"transfer or sell the funds and close the account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you wish to transfer the funds, you must be a customer of DNB or Sbanken. If you are not already a customer with us, you can easily \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"become a customer\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/kundeprogram/bli-kunde\",\"href\":\"/kundeprogram/bli-kunde\",\"isTranslated\":true,\"openInNewTab\":true}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before you submit the settlement form, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"check which type of account the funds are held in - general mutual fund account or share savings account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". You can find information about this in the engagement overview. If you have not received this, please contact us. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the funds are held in a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"share savings account (ASK)\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", fill in the form under point 14 and upload the form via the link there. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the funds are held in a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"general mutual fund account\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", log in directly via the link below and fill in the information for transfer or sale of funds. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can also fill out the 'settlement document' \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"in writing, \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"log in and upload it \",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/factBox\",\"anchorText\":\"last-opp-dokument\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#last-opp-dokument\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"or send it by \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"regular post\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorPath\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo/_jcr_content/root/faqs1886846522/list/item298647348\",\"anchorText\":\"post\",\"url\":\"/content/dnb/open/no/okonomisk-radgiver/familie/dodsbo\",\"href\":\"/okonomisk-radgiver/familie/dodsbo#post\",\"isTranslated\":true,\"openInNewTab\":false}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"All beneficiaries who are to receive funds must have opened the same type of account in their own name as the deceased had before the form is submitted to us (either a general fund account or a share savings account).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"file\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Settlement document\",\"isTranslated\":true}],\"file\":{\"finalUrl\":\"https://content.dnb.no/docs/7619320/oppgjoer-doedsbo.pdf\",\"assetLanguage\":\"\",\"fileType\":\"pdf\"}}]}]],\"callToAction\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"right\",\"loginIntro\":\"You must log in with BankID to close or take over funds. Enter your Norwegian national identity number (11 digits) or another user ID issued by the bank.\",\"loginTitle\":\"Log in\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":true,\"icon\":\"chevron_right\",\"label\":\"Log in and sell or take over funds\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/oppgjor-av-fond.html\",\"href\":\"https://www.dnb.no/segp/ps/applikasjoner/webforms/dodsbo/oppgjor-av-fond.html\"}},\"_meta\":{\"id\":\"processFlowItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tips\":\"\",\"title\":\"16. Individual Pension Savings (IPS)\",\"isTranslated\":true,\"introduction\":\"If the deceased had Individual Pension Savings (IPS), the savings amount will be paid out to survivors or to the estate. Survivors may be children, spouse, cohabitant or registered partner.\",\"steps\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"The savings amount is distributed among the survivors as follows:\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When children under 21 years of age have received their share, the remainder of the savings amount is distributed as a pension to the spouse, registered partner or cohabitant. The pension must be paid out over at least 10 years, but may be recalculated if the annual payout is less than 20% of the base amount in the National Insurance Scheme.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the children are over 21 years of age, the IPS is distributed to the spouse, registered partner or cohabitant.\",\"isTranslated\":true}]}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"The pension capital is paid directly to the estate if:\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The savings amount is greater than what is needed to 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d=\\\"M1087.5,258.7l17.9-3.3c1-0.2,2-0.7,2.7-1.4c4.6-4.3,21.4-21,30.6-40.4c0.2-0.7,0.4-1.3,0.4-2\\n\\tc0-6.3-3.1-13.9-4.5-16.6c-0.5-0.8-0.7-1.7-0.6-2.7l0.1-1.8c0.2-1.8-0.6-3.5-2-4.6l-1.8-1.1c-1.2-0.8-1.9-2.2-2-3.6\\n\\tc-0.1-1-0.5-2-1.2-2.7c-2.7-3.1-10.9-11.4-29-15.7h-0.8l-11.5-1.1c-0.3,0-0.7,0-1-0.1c-2.7,0.2-14.6,1.5-20.5-1.2\\n\\tc-1.2-0.5-2.5-0.6-3.7-0.3c-5.6,1.7-15.7,6.1-16.9,6.5h-0.3l-5.1,1.9c-0.8,0.2-1.5,0.7-1.9,1.4c-1.4,1.7-4.6,5.1-5.9,5.1l-2.6,2.7\\n\\tc-0.3,0.5-0.6,0.8-0.9,1.3c-1.5,3.3-7.4,17.8-8.7,30c-0.2,1.8,0.6,3.5,2,4.6c21.4,15.8,55.1,38.2,63,43.6\\n\\tC1084.4,258.4,1086,259,1087.5,258.7z\\\"/>\\n<path class=\\\"dnb-svg-174120666-st4\\\" d=\\\"M1042.8,264.9c0,0,1,13.8-8.1,22c3.8,12.1,40.1,20.8,54.7,2.6c-5.6-16.7-7-34.4-4.1-51.8c0,0-6.4-21.4-8.3-27.5\\n\\tc-28.8-8.8-36.6-22.6-50.5-18.7c-2.7,0.9-9.8,25.2-10.5,29.9c-1.5,9.6-0.3,40.2,11.9,43C1032.8,265.4,1037.8,265.6,1042.8,264.9z\\\"/>\\n<path class=\\\"dnb-svg-174120666-st20\\\" 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d=\\\"M1087.1,252.4c0,0,17.3-8.6,7.7-30.7C1094.7,224.9,1099.4,241.5,1087.1,252.4z\\\"/>\\n<path class=\\\"dnb-svg-174120666-st13\\\" d=\\\"M1137,201.7c0,0-6.8-23.4-43-35.4C1099.3,169.5,1121,177,1137,201.7z\\\"/>\\n<path class=\\\"dnb-svg-174120666-st13\\\" d=\\\"M1051.3,175.4c0,0,30.8-7,50,12.9C1093.9,183.8,1083.9,174.6,1051.3,175.4z\\\"/>\\n<path class=\\\"dnb-svg-174120666-st13\\\" d=\\\"M1036.6,170.3c0,0,29-11.6,53.1,0.5C1083.3,169,1067.1,162.2,1036.6,170.3z\\\"/>\\n</svg>\\n\"},\"_meta\":{\"id\":\"tipsItem\"}}],\"_meta\":{\"id\":\"tips\",\"anchorId\":\"a69f7c328-0c50-4a11-9920-3ce2ba570359\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"includeStructuredData\":true,\"isTranslated\":true,\"sectionTitle\":\"Frequently asked questions about estates\",\"list\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens if the deceased had an address abroad?\",\"anchorTag\":\"utlandet\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When the deceased has an address abroad, we require additional information.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Before customer information can be disclosed and the customer relationship closed, we require \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"a copy of the death certificate together with the will \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"or other inheritance documentation\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". This must be confirmed and verified by a notary public in the deceased's home country. The inheritance documentation must include assets held with DNB or Sbanken. The documents must also be translated into Norwegian or English by an authorised translator.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When the customer relationship with the deceased must be closed, we need to receive the recipient's name, address, account number, BIC address, IBAN number, Swift/Fedwire number, as well as the bank's name and address. This information must be documented by the recipient bank.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"The application must be signed by the person or persons acting on behalf of the estate\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". For foreign nationals who are not customers of DNB or Sbanken, a copy of the passport with signature, confirmed by a notary public in the home country, must be submitted.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"The documents should be sent by regular post to:\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB\\nSpesialengasjement\\nPO Box 1600 Sentrum\\n0021 Oslo\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Can I obtain account statements from the deceased's account?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Yes, it is possible to order account statements from the deceased's account. First, the bank must have received a grant of probate or power of attorney for assets issued by the district court. \",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"According to the Inheritance Act, authorisation regarding current assets and liabilities or a grant of probate from the district court provides the right to access the balance of the deceased's bank accounts at the time of death, as well as an overview of account transactions for the three months prior to death.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Beyond this, access to account transactions before the date of death is subject to confidentiality in accordance with the Norwegian Financial Institutions Act, Section 16-2. If there are special reasons why further access is relevant to the settlement, this must be justified in writing. However, there are strict requirements for disclosure, and the bank will assess whether there are grounds for this or not.  \",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Can I access the deceased's account via my own online bank?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"It is not possible to establish access to the deceased's account via your own online bank because this would provide insight into the deceased's usage, which is subject to confidentiality (cf. Financial Undertakings Act 16-2).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the person responsible for the estate has been an authorised user on the account prior to the death, access to the account will continue as soon as the grant of probate with any powers has been received and processed by the bank.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the person responsible for the estate has not had access to the account previously, we recommend opening a separate account for the estate in the online bank, for payment of bills, distribution of inheritance and similar matters.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens to the banking relationship when the deceased has a sole proprietorship?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"This customer relationship forms part of the estate, just like the private relationship.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A surviving spouse who has taken over the estate as an undivided estate can take over the sole proprietorship from the spouse and retain the same organisation number. After the sole proprietorship has been registered with the new owner at the Brønnøysund Register Centre, the bank can be contacted to take over the accounts of the business.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can read more about taking over a sole proprietorship at \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Brønnøysund Register Centre\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.brreg.no/enkeltpersonforetak/endre-eier-av-enkeltpersonforetak/\",\"isTranslated\":true,\"openInNewTab\":true,\"href\":\"https://www.brreg.no/enkeltpersonforetak/endre-eier-av-enkeltpersonforetak/\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"My pension is paid into the deceased's account, how do I access the money?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The account will be blocked as a result of the death. You can provide documentation that your pension is being paid into the deceased's account to receive assistance in transferring the money to your personal account.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens to the banking relationship if no one takes over the estate?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"An estate that no one takes over will be closed by the district court as no action taken or nothing to divide. This means that the estate has no legal owners.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What is an authorisation under the Inheritance Act Section 95?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If the estate's assets are expected to yield nothing or only a minimal amount for distribution after funeral expenses have been covered, the district court transfers the assets to the person who arranged the funeral, or another person who was close to the deceased.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The assets stated in the authorisation must correspond with the assets left by the deceased.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"When can the settlement be expected to be completed?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"An estate often needs to go through several different areas of the bank. The processing time therefore depends on what type of customer relationship the deceased had. To ensure the settlement proceeds as quickly as possible, you should therefore submit all information that appears in the checklist above.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The bereaved will receive confirmation of settlement from the various units relevant to the deceased's customer relationship when the case has been fully processed.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens to the deceased's credit card?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The credit card will be blocked for use and must be cut up and discarded. If the deceased has credit card debt, the amount must be settled as soon as possible, normally within two weeks of the heir being notified of this.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Where can I send documents by regular post?\",\"anchorTag\":\"post\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Sending documents for estate by regular post\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB\\nSpesialengasjement\\nPO Box 1600 Sentrum\\n0021 Oslo\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"For share transactions\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB\\nRegistrar's Department\\nPO Box 1600 Sentrum\\n0021 Oslo\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Regular post to DNB Liv\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"DNB Livsforsikring AS\\nPO Box 7500\\n5020 Bergen\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}}],\"_meta\":{\"id\":\"faqs\",\"anchorId\":\"abbb11cf2-65f0-4340-a1e4-0d56e0734518\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"includeStructuredData\":true,\"anchorTag\":\"ord-og-begreper\",\"isTranslated\":true,\"sectionTitle\":\"Explanation of words and concepts\",\"list\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Estate\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When someone dies, they leave behind what we call an estate. An estate consists of the deceased's assets, debts, rights and obligations, and not just home contents and movable property.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Estate administrator\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Lawyer appointed by the district court to handle everything in connection with the estate administration in a public division of an estate.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Authorisation holder\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Responsible for the estate in accordance with authorisation from the heirs.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Surety\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"To act as surety means to guarantee another person's debt. This means that if the borrower does not repay the loan, it may be the person who has provided security, or acted as 'surety', who must repay and becomes liable for what the borrower owes the bank.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Co-borrower\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A co-borrower is one of two or more borrowers on the same loan. A typical situation is when two people have a joint mortgage and one is the main borrower and the other is the co-borrower. 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