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.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"How often can my mortgage rate change?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"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.
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.
In other words, if you have a variable rate, the interest rate may change several times a year.
If you have a fixed interest rate, the rate remains unchanged for the agreed period (for example 3, 5 or 10 years).
You will receive information about interest rate changes well in advance before the rate changes, either via online and mobile banking or by letter.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens to my home loan interest rate if the policy rate changes?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"If you have a variable interest rate, your home loan interest rate may change when the bank adjusts its lending rate. This may happen, for example, in connection with changes to the policy rate from the Norwegian central bank, Norges Bank. The policy rate is usually determined at the central bank's Monetary Policy Committee meetings, which are held at fixed times during the year, but in principle you may also experience interest rate changes outside of policy rate changes.
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 3, 5 or 10 years).
You will receive information before the interest rate on your loan changes, either in online and mobile banking or by letter.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Can I negotiate my home loan interest rate?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"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.
If there have been changes in your life or to 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.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens to my home loan if I become unemployed?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"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. 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 the options that suit you. Perhaps it could be relevant to consider refinancing of the loan or a period with interest-only payments.
Apart from thinking about your loan, you should also prioritise getting an overview of your own spending and adjusting it to your new situation. You can easily check what you spend money on in the mobile and online bank. Review 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.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"What happens to my interest rate if my property has increased in value?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"If your property has increased significantly in value, you can get in touch to receive an assessment of whether you can get a lower interest rate based on this.
\\\"}},{\\\"@type\\\":\\\"Question\\\",\\\"name\\\":\\\"Where can I find my interest rate?\\\",\\\"acceptedAnswer\\\":{\\\"@type\\\":\\\"Answer\\\",\\\"text\\\":\\\"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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At DNB, you get a mortgage with a personal interest rate tailored to your situation and advisory services that help you make sound financial decisions.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When the Norwegian central bank, Norges Bank, changes the policy rate, which all banks in the country adhere to, we monitor it closely. 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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\":\"In other words, if you have a variable rate, the interest 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 3, 5 or 10 years).\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You will receive information about interest rate changes well in advance 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 home loan interest 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 interest rate may change when the bank adjusts its lending rate. This may happen, for example, in connection with changes to the policy rate from the Norwegian central bank, Norges Bank. The policy rate is usually determined at the central bank's Monetary Policy Committee meetings, which are held at fixed times during the year, but in principle you may also experience interest rate changes outside of policy rate changes.\",\"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 3, 5 or 10 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 there have been changes in your life or to 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 the options that suit you. Perhaps it could be relevant to consider \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"refinancing\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/lan/refinansiering\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"/lan/refinansiering\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\" of the loan or a period with interest-only payments.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Apart from thinking about your loan, you should also prioritise getting an overview of your own spending and adjusting it to your new situation. You can easily check what you spend money on in the mobile and online bank. Review 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 get in touch to receive an assessment of whether 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. There you will also find your repayment plan and an overview of payments you have made on your loan.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"faq\"}}],\"_meta\":{\"id\":\"faqs\",\"anchorId\":\"aa692c30c-7c0f-4550-8557-22ed7bf24775\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tagPath\":\"dnbnyheter%253Abors-og-marked%252Fsparing-og-investering%252Faksjer\",\"articleInput\":\"article\",\"showLargeArticle\":true,\"numberOfArticles\":\"3\",\"title\":\"DNB News\",\"categoryPath\":\"/content/dnbnyheter/no/bolig\",\"isTranslated\":true,\"articlePathList\":[\"/content/dnbnyheter/no/bolig/2024/q3/dette-kan-pavirke-hvor-mye-du-kan-fa-i-boliglan\",\"/content/dnbnyheter/no/bolig/2025/q2/dnb-hild-mona\",\"/content/dnbnyheter/no/bolig/2023/q1/alt-du-ma-vite-som-forstegangskjoper\"],\"_meta\":{\"id\":\"dnbNyheterArticles\",\"anchorId\":\"a17d8a2ed-b394-4ade-a365-ac5f8dcb762d\"}}]}"}},"homeLinks":{"mainHomepageUrl":{"path":"/content/dnb/open/en","anchorText":null},"corporateHomepageUrl":{"path":"/content/dnb/open/en/business","anchorText":null}},"navMenu":{"menu":{"tabs":[{"url":{"path":"/content/dnb/open/en","anchorText":null},"customerSegment":"private","title":"Personal","links":[{"url":{"path":"/content/dnb/open/en/loans","anchorText":null},"title":"Loans","description":"Are you buying a home, a car or other items? 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Read more about the different cards, the programmes and the benefits associated with the cards."},{"url":{"path":"/content/dnb/open/en/everyday-banking","anchorText":null},"title":"Everyday banking","description":"We offer a complete range of banking services through mobile banking, online banking and bank branches."},{"url":{"path":"/content/dnb/open/en/real-estate","anchorText":null},"title":"Real estate","description":"Selling a home? DNB Eiendom is Norway’s leading real estate agent."},{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme","anchorText":null},"title":"Customer loyalty programme","description":"Benefits and unique experiences from our partners."}],"label":"To the front page"},{"url":{"path":"/content/dnb/open/en/business","anchorText":null},"customerSegment":"corporate","title":"Business","links":[{"url":{"path":"/content/dnb/open/en/business/become-a-customer","anchorText":null},"title":"Become a corporate customer","description":"Establishment is free of charge."},{"url":{"path":"/content/dnb/open/en/business/daily-banking","anchorText":null},"title":"Everyday banking","description":"Payment, card, account and digital services."},{"url":{"path":"/content/dnb/open/en/business/financing","anchorText":null},"title":"Financing","description":"Financing solutions for all needs."},{"url":{"path":"/content/dnb/open/en/business/pensions","anchorText":null},"title":"Pensions","description":"Meet the statutory requirements and give your employees the best opportunity for a secure future."},{"url":{"path":"/content/dnb/open/en/business/insurance","anchorText":null},"title":"Insurance","description":"Cover the statutory requirements and stay ahead if anything should happen."},{"url":{"path":"/content/dnb/open/en/business/investing","anchorText":null},"title":"Investing","description":"Everything about investments, shares, funds and currencies."},{"url":{"path":"/content/dnb/open/en/business/industry-expertise","anchorText":null},"title":"Industry expertise","description":"Unique insights and experience."},{"url":{"path":"/content/dnb/open/en/business/a-z","anchorText":null},"title":"Business from A to Z","description":"Tips and advice on starting and running a business."}],"label":"To the main page for Business"}],"bottomLinks":[{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme/private-banking","anchorText":null},"corporateUrl":null,"title":"Private Banking"},{"url":{"path":"/content/dnb/open/en/markets","anchorText":null},"corporateUrl":null,"title":"DNB Carnegie"},{"url":{"path":"www.dnb.no/dnbnyheter","anchorText":null},"corporateUrl":null,"title":"DNB Nyheter"},{"url":{"path":"/content/dnb/open/en/help-and-guidance","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/help-and-guidance","anchorText":null},"title":"Help and guidance"},{"url":{"path":"/content/dnb/open/en/about-us","anchorText":null},"corporateUrl":null,"title":"About us"}]}},"footer":{"websites":{"title":"DNB Websites","links":[{"text":"DNB Eiendom (DNB Real Estate)","url":{"path":"dnbeiendom.no/","anchorText":null},"ariaLabel":"Gå til DNB Eiendom"},{"text":"#girlsinvest","url":{"path":"/content/dnb/open/no/okonomisk-radgiver/huninvesterer","anchorText":null},"ariaLabel":"Go to #Girlsinvest"},{"text":"DNB Tech Blog","url":{"path":"www.dnbtech.no/","anchorText":null},"ariaLabel":"Gå til "}]},"international":{"title":"International","links":[{"text":"DNB Luxembourg","url":{"path":"www.dnb.no/lu/en","anchorText":null},"ariaLabel":"Gå til DNB Luxembourg"},{"text":"DNB Sweden","url":{"path":"www.dnb.se/","anchorText":null},"ariaLabel":"Gå til DNB Sverige"},{"text":"DNB Denmark","url":{"path":"www.dnb.dk/","anchorText":null},"ariaLabel":"Gå til DNB Danmark"}]},"social":{"title":"Social media","links":[{"ariaLabel":"Gå til DNB på Facebook","url":{"path":"www.facebook.com/dnb/","anchorText":null},"icon":"facebook"},{"ariaLabel":"Gå til DNB på Youtube","url":{"path":"www.youtube.com/user/DNB","anchorText":null},"icon":"youtube"}]},"corporateDetails":[{"header":"Head office","text":["Dronning Eufemias gate 30","0191 Oslo, Norway"]},{"header":"Postal address","text":["DNB","PO Box 1600 - Sentrum","0021 Oslo"]},{"header":"Org. no.","text":["DNB Bank ASA","984 851 006"]}],"privacy":[{"text":"Terms of use","url":{"path":"/content/dnb/open/en/about-us/general-terms","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Terms of Use"},{"text":"Data protection","url":{"path":"/content/dnb/open/en/about-us/privacy-policy","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Personal Privacy"},{"text":"Cookies","url":{"path":"www.dnb.no/en/about-us/privacy-policy/cookies","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Cookies"},{"text":"Price list","url":{"path":"/content/dnb/open/en/help-and-guidance/price","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/prices","anchorText":null},"ariaLabel":"Go to price list"},{"text":"Compare our prices with other companies at Finansportalen.no","url":{"path":"www.finansportalen.no","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Finansportalen"},{"text":"Work for us","url":{"path":"/content/dnb/open/en/about-us/careers","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Work for us"}],"changeLanguage":{"text":"Norsk","url":{"path":"/content/dnb/open/no","anchorText":null},"ariaLabel":"Go to DNB Norwegian pages"},"copyright":"DNB","toTopLabel":"To the top","homeLinkAriaLabel":"Go to DNB homepage"},"login":{"title":"Log in to online bank","intro":"Type your Norwegian national identity number (11 digits).\n\nCorporate customers can log in using their user ID, or with Norwegian national identity number (11 digits) and then change view from personal banking to corporate once logged in.","uidPlaceholder":"Type your user ID","invalidUidError":"Unknown or invalid user ID","invalidUidSsnOnlyError":"Invalid user ID. 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