{"componentChunkName":"component---src-templates-default-page-template-index-tsx","path":"/en/loans/home-mortgages/mortgage-rates","result":{"data":{"aemPage":{"title":"Home Loan Interest Rate – How the Interest Rate for Your Home Loan Is Determined - DNB","template":"information","language":"en","lastModified":1779439119881,"path":"/en/loans/home-mortgages/mortgage-rates","id":"144e4fe3-8f84-5303-96aa-6f78aadc4e0c","data":{"parentPages":[{"path":"/en/loans/home-mortgages","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/subcategory","jcr_title":"Mortgage","name":"boliglan","language":"en"}}},{"path":"/en/loans","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/category","jcr_title":"Loans","name":"lan","language":"en"}}},{"path":"/en","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/home","jcr_title":"Home Norwegian","name":"en","language":"en"}}}],"properties":{"resolvedInheritValues":"{\"contactUs\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"CHATBOT\",\"id\":\"5a030cbe-dcd3-4f0f-b6a0-b9c8deb88ced\",\"icon\":\"aino_medium\",\"title\":\"Chat with Aino\",\"value\":false},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"7aa30416-e815-4bac-a67b-7c8267ac35d1\",\"icon\":\"support_medium\",\"title\":\"Help and guidance\",\"value\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/en/help-and-guidance\",\"href\":\"/en/help-and-guidance\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"dd837bd8-b41a-4bc0-84f5-bae720b6e951\",\"icon\":\"location_medium\",\"title\":\"Find your DNB office\",\"value\":{\"path\":\"/content/dnb/open/en/about-us/offices\",\"href\":\"/en/about-us/offices\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"a3f21d7e-96c1-4e12-9d08-5b3036169f0a\",\"icon\":\"calendar_medium\",\"title\":\"Make an appointment\",\"value\":{\"path\":\"/content/dnb/open/en/help-and-guidance/meeting-booker\",\"href\":\"/en/help-and-guidance/meeting-booker\"}}]},\"customerSegment\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"segment\":\"private\"}}","custom":"{\"contactUs\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"inheritance\":\"PARENT\",\"hiddenParent\":[],\"hiddenHome\":[],\"items\":[]},\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"searchKeywords\":\"\",\"title\":\"Home Loan Interest Rate – How the Interest Rate for Your Home Loan Is Determined - DNB\",\"isTranslated\":true,\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"height\":4016,\"altText\":\"Mother and daughter on sofa\",\"dynamicMediaPath\":\"dnbbank/6627198\",\"isVector\":false,\"variation\":\"\",\"id\":\"/content/dam/brandcentre/no/7/66/27/1/6627198.jpg\",\"width\":6016,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"mobile\":\"\",\"tablet\":\"\",\"standard\":\"Wide-1\"},\"currentBaseCroppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"default\":\"Wide\"},\"_meta\":{\"id\":\"image\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/6627198\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/6627198\",\"profiles\":{\"Wide-1\":{\"base64\":\"data:image/jpeg;base64,/9j/4AAQSkZJRgABAQEASABIAAD/2wCEAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSgBBwcHCggKEwoKEygaFhooKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKP/AABEIAAsAFAMBIgACEQEDEQH/xABnAAEBAQAAAAAAAAAAAAAAAAAGBwAQAAEDAwMDBQEAAAAAAAAAAAECAwQABREGEiETMUEHI1FhcXIBAQEBAAAAAAAAAAAAAAAAAAMAAhEAAgIDAQAAAAAAAAAAAAAAAAECExIhIlH/2gAMAwEAAhEDEQA/AI/peCHtxbcaeKElXSRyo4HiqHprRkq4NvMMRy5LW2l4NqGzGQOOfNAfTv2nUSWyUvdZA3D+qXQ9TXlnVMiS1cHkvnekrGM4z2rGDk9D2KMW2U2FKiWlLsaWw+l0LyQI+4dgO/6DWoMq+3KQS49LWtZJ5IHyfqtR2OOioz69P//Z\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/6627198:Wide-1?fit=constrain,1&wid=6016\"}}}}","ootb":{"description":"What is a home loan interest rate, and how does it affect what you pay for your loan? Learn more and check what kind of interest rate you can get on your home loan at DNB.","template":"/conf/dnb-openpages/settings/wcm/templates/information","lastModified":"1779439119881","title":"Home Loan Interest Rate","name":"boliglansrente","language":"en"},"languages":{"no":"/lan/boliglan/boliglansrente","en":"/en/loans/home-mortgages/mortgage-rates"},"structuredData":"[\"{\\\"@context\\\":\\\"https://schema.org\\\",\\\"@type\\\":\\\"FAQPage\\\",\\\"mainEntity\\\":[{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What is the Norwegian central bank, Norges Bank?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"

The Norwegian central bank, Norges Bank is Norway's central bank and is responsible for managing the country's monetary policy. An important part of this is setting the policy rate, which influences the interest rate level in Norway. The policy rate has significant implications for both mortgage rates, savings and the general economy.

In addition, the Norwegian central bank, Norges Bank manages the country's foreign exchange reserves and the Government Pension Fund Global (the Oil Fund). The bank also works to ensure that payments and the financial market function as they should.

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If you have a variable rate, your mortgage rate may change when the bank adjusts the interest rate for loans. This happens, for example, in connection with changes to the policy rate from the Norwegian central bank, Norges Bank.

Usually, the policy rate is determined at Norges Bank's interest rate meetings, which are held at set times during the year, but in principle you may also experience rate changes outside of policy rate adjustments.

If you have a variable rate, in other words, the rate may change several times a year.

If you have a fixed rate, the rate remains unchanged for the agreed period (for example three, five or ten years).

You will receive information about rate changes in good time before the rate changes, either via online and mobile banking or by letter.

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If you have a variable interest rate, your home loan rate may change when the bank adjusts the lending rate. This can happen, for example, in connection with changes to the policy rate from the Norwegian central bank, Norges Bank.

Usually, the policy rate is determined at the central bank's interest rate meetings, which are held at fixed times during the year, but in principle you may also experience interest rate changes outside of policy rate adjustments.

In other words, if you have a variable interest rate, the rate may change several times a year.

If you have a fixed interest rate, the rate remains unchanged for the agreed period (for example three, five or ten years).

You will receive information before the interest rate on your loan changes, either in online and mobile banking or by letter.

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You can negotiate your home loan interest rate. At DNB, you have a personal interest rate on your home loan. This means that many factors come into play when your rate is calculated, such as your finances, your life situation, or whether you have an energy-efficient home and can qualify for a green mortgage or not.

If changes have occurred in your life or with your home, it may therefore be useful to contact the bank for a review – you may end up with a new interest rate on your home loan.

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If you suddenly have to manage on a lower income because you have lost your job or been temporarily laid off, you can contact us.At DNB, financial advice is provided to all customers who wish to receive it. Financial inclusion is part of our social responsibility.

An adviser will be able to help you with which options suit you. Perhaps it may be relevant to consider refinancing of the loan or a period with interest-only period(s).

Apart from thinking about your loan, you should also prioritise getting an overview of your own spending and adjusting it to your new situation. What you spend money on can be easily checked in the mobile and online bank. Go through how much you spend on groceries, restaurants, travel and other things, before you decide what you need to cut back on. If you have financial concerns, you should also read up on good financial advice for your situation.

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If your property has increased significantly in value, you can contact us for an assessment to see if you can get a lower interest rate based on this.

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You can find the interest rate on your home loan in both online and mobile banking. There you will also find your repayment plan and an overview of payments you have made on your loan.

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The policy rate is determined by the Norwegian central bank, Norges Bank, and is reviewed regularly throughout the year, usually eight times annually. Changes to the policy rate are announced after each Monetary Policy Committee meeting, and the dates are published on Norges Bank's website.

If you have a variable interest rate on your home loan, your home loan interest rate may change when the bank adjusts its lending rates. This often happens in connection with changes to the policy rate.

When the policy rate goes down, you may therefore experience receiving a Interest rate cut – and vice versa if it is raised. There is no automatic mechanism for the bank to follow the policy rate directly, but it usually provides a good indication. Therefore, it can be useful to keep track of when interest rate meetings are held and what signals the Norwegian central bank, Norges Bank, gives.

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The effective interest rate shows the real interest cost of the loan, because it includes both the nominal interest rate and all additional costs – such as establishment fees.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"a99e4621a-8e24-4fcd-a16c-f0330e50c1e5\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"image\",\"isTranslated\":true,\"sectionTitle\":\"\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"How your interest rate is determined at DNB\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The interest rate level in all Norwegian banks is influenced by the market. What is called the policy rate, which is set by the Norwegian central bank, Norges Bank, is the leading factor for this level. The policy rate is the interest rate the Norwegian central bank, Norges Bank, gives to banks for the money they deposit there. It affects what banks must pay to borrow money in the market, which in turn affects the interest rate you receive when you borrow money from the bank – including at DNB.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In addition, there are several factors that affect your home loan interest rate, including:\",\"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\":\"The market and competition between banks\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Your finances – such as how much debt you have, your income and your payment history\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Your life situation\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The type of mortgage you have\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Choice of fixed or variable interest rate\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"ae083ca90-4c57-4656-93de-22b7b2ea0fa9\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"image\",\"isTranslated\":true,\"sectionTitle\":\"\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"subtitle\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Your personal interest rate\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"At DNB you receive a personal interest rate on mortgages with a variable rate. The interest rate you receive is calculated based on your finances, and is influenced by factors such as the loan amount, your equity and your overall financial situation. In addition, market conditions and competition between banks play a role.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Your life situation also affects the interest rate you receive on your loan. \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For example, if you are a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"young home loan customer\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/boliglan/ung\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/boliglan/ung\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", you may be eligible for a particularly favourable interest rate on your loan.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Your personal interest rate is also influenced by the type of loan you have. A \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"green mortgage\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/boliglan/gront\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/boliglan/gront\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"home equity credit line (HELOC)\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/boliglan/rammelan\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/boliglan/rammelan\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\", or a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"combination loan\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/boliglan/kombi\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/boliglan/kombi\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" with both fixed and variable interest rates, everyone may have different interest rates.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In other words: At DNB, your home loan interest rate is set based on an assessment of your loan, your finances and your personal situation. 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This also affects what your mortgage interest rate is.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Variable interest rate\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" can vary over time, which means you may experience interest rate changes on your loan. This happens based on how the market develops. A variable interest rate gives you flexibility, but also means that the rate can go up or down. 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The bank also works to ensure that payments and the financial market function as they should.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How often can my mortgage rate change?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a variable rate, your mortgage rate may change when the bank adjusts the interest rate for loans. This happens, for example, in connection with changes to the policy rate from the Norwegian central bank, Norges Bank.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Usually, the policy rate is determined at Norges Bank's interest rate meetings, which are held at set times during the year, but in principle you may also experience rate changes outside of policy rate adjustments.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a variable rate, in other words, the rate may change several times a year.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a fixed rate, the rate remains unchanged for the agreed period (for example three, five or ten years).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You will receive information about rate changes in good time before the rate changes, either via online and mobile banking or by letter.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens to my mortgage rate if the policy rate changes?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a variable interest rate, your home loan rate may change when the bank adjusts the lending rate. This can happen, for example, in connection with changes to the policy rate from the Norwegian central bank, Norges Bank.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Usually, the policy rate is determined at the central bank's interest rate meetings, which are held at fixed times during the year, but in principle you may also experience interest rate changes outside of policy rate adjustments.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In other words, if you have a variable interest rate, the rate may change several times a year.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a fixed interest rate, the rate remains unchanged for the agreed period (for example three, five or ten years).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You will receive information before the interest rate on your loan changes, either in online and mobile banking or by letter.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Can I negotiate my home loan interest rate?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can negotiate your home loan interest rate. At DNB, you have a personal interest rate on your home loan. This means that many factors come into play when your rate is calculated, such as your finances, your life situation, or whether you have an energy-efficient home and can qualify for a green mortgage or not.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If changes have occurred in your life or with your home, it may therefore be useful to contact the bank for a review – you may end up with a new interest rate on your home loan.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens to my home loan if I become unemployed?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you suddenly have to manage on a lower income because you have lost your job or been temporarily laid off, you can contact us.\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"At DNB, financial advice is provided to all customers who wish to receive it. Financial inclusion is part of our social responsibility.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"An adviser will be able to help you with which options suit you. 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Go through how much you spend on groceries, restaurants, travel and other things, before you decide what you need to cut back on. If you have financial concerns, you should also read up on \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"good financial advice\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/okonomisk-radgiver/personlig-okonomi/okonomiske-problemer\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/okonomisk-radgiver/personlig-okonomi/okonomiske-problemer\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" for your situation.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens to my interest rate if my property has increased in value?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If your property has increased significantly in value, you can contact us for an assessment to see if you can get a lower interest rate based on this.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Where can I find my interest rate?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can find the interest rate on your home loan in both online and mobile banking. 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This often happens in connection with changes to the policy rate.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When the policy rate goes down, you may therefore experience receiving a \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Interest rate cut\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/rentekutt\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/rentekutt\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" – and vice versa if it is raised. There is no automatic mechanism for the bank to follow the policy rate directly, but it usually provides a good indication. 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