We consider each loan application on an individual basis. Prices are based on debt-servicing capacity, collateral and risk.
The terms and conditions on home mortgages require that you receive regular salary, social security or pension payments and use DNB as your everyday bank.
| Prices for new mortgages | Nom int rate | Eff. int. rate |
| Green home mortgage - up to 85 % of market value | 4.34 % | 4.50 % |
| Home mortgage young adults - up to 85 % of market value | ||
| Boliglån Ung | 4.34 % | 4.50 % |
| Home mortgage - up to 75 % of market value | ||
| NOK 4 000 000 or more | 5.00 % | 5.15 % |
| NOK 2 000 000 - 4 000 000 | 5.05 % | 5.24 % |
| Less than NOK 2 000 000 | 5.24 % | 5.47 % |
| Mortgages over 75 % of market value: the price is 0.10 percentage points higher | ||
| Home equity credit line - up to 60 % of market value | ||
| NOK 4 000 000 or more | 5.00 % | 5.15 % |
| NOK 2 000 000 - 4 000 000 | 5.05 % | 5.24 % |
| Less than NOK 2 000 000 | 5.24 % | 5.47 % |
| Fixed-rate Home mortgage young adults | ||
| 3 years | 5.04 % | 5.23 % |
| 5 years | 4.84 % | 5.02 % |
| 10 years | 4.59 % | 4.76 % |
| Fixed-rate Home mortgage | ||
| 3 years | 5.09 % | 5.28 % |
| 5 years | 4.89 % | 5.08 % |
| 10 years | 4.64 % | 4.82 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| Construction credit | 7.25 % | |
| Commission on approved limit, per quarter | 0.33 % |
| Nom int. rate | Eff. int. rate | |
| Fixed rate Home mortgage | ||
| 3 years | 5.04 % | 5.23 % |
| 5 years | 4.84 % | 5.02 % |
| 10 years | 4.59 % | 4.76 % |
| The interest rate may be changed at short notice. Your interest rate will be set on the disbursement day |
||
| SAGA Car loan | ||
| Down payment 35 % or more | 5.44 % | 7.22 % |
| 20 - 35 % | 6.10 % | 7.93 % |
| less than 20 % | 7.10 % | 9.00 % |
| SAGA overdraft facility | 16.05 % | 16.92 % |
| Nom int. rate | Eff. int. rate | |
| SAGA | ||
| Please see above | ||
| Car loan young adults | ||
| Down payment 35 % or more | 5.74 % | 7.54 % |
| 20 - 35 % | 6.40 % | 8,25 % |
| less than 20 % | 7.40 % | 9.32 % |
| Green Car Loan | ||
| Down payment 35 % or more | 5.74 % | 7.60 % |
| 20 - 35 % | 6.40 % | 8.30 % |
| less than 20 % | 7.40 % | 9.38 % |
| Secured Car loan ® | ||
| Down payment 35 % or more | 5.84 % |
7.71 % |
| 20 - 35 % | 6.50 % |
8.41 % |
| less than 20 % | 7.50 % |
9.49 % |
| Other car loans | ||
| Down payment 35 % or more | 5.84 % |
7.71 % |
| 20 - 35 % | 6.50 % |
8.41 % |
| less than 20 % | 7.50 % |
9.49 % |
| Nom int. rate | Eff. int. rate | |
| Boat, 7 metres or more | ||
| Down payment 35% or more | 6.95 % | 8.89 % |
| less than 35% | 7.70 % | 9.70 % |
| Boat, less than 7 metres | ||
| Down payment 35% or more | 7.84 % | 10.21 % |
| less than 35% | 8.75 % | 11.21 % |
| Caravan | ||
| Down payment 35 % or more | 5.84 % | 7.71 % |
| 20 - 35 % | 6.50 % | 8.41 % |
| less than 20 % | 7.50 % | 9.49 % |
| MC, snowmobile, ATV | ||
| Down payment 35 % or more | 6.80 % | 8.73 % |
| 20 - 35 % | 8.10 % | 10.14 % |
| less than 20 % | 8.55 % | 10.63 % |
| Consumer Finance |
| Price example: Loan amount NOK 100 000, repayment period 5 years, nominal interest rate 10,9 %, effective interest rate 11,7 %, front-end fee, NOK 500. Cost: 30.806. Total cost: NOK 130.806. |
| Nominal interest rate from 10,9 % to 13 % |
| Payment insurance 0.4 % per month of balance |
| Front-end fees | |
| Home mortgages and Home equity credit lines - per application | From NOK 2 190 |
| Construction credit | NOK 5 000-20 000 |
| DNB Personal Loan and SAGA Liquidity Reserve (will be debited from approved credit line) |
NOK 500 |
| SAGA Car loan | NOK 2 300 |
| Other Car loans | NOK 2 500 |
| Boat less than 7 metres | NOK 3 700 |
| 7 metres or more | NOK 2 500 |
Instalment fees for loans and mortgages |
|
| Home mortgages and Home equity lines | NOK 65 |
| Green Car loans | NOK 65 |
| Other Car loans | NOK 65 |
| DNB Personal Loan and SAGA Liquidity Reserve | |
| - monthly charge eFaktura | NOK 0 |
| - monthly charge paper invoice | NOK 35 |
Collateral for loans and mortgages |
|
| Fees: | |
| Per collateral item (real property, title documents) | NOK 1 000 |
| Charge on bank deposit, permit, mutual fund units or shares | NOK 500 |
| Public charges: | |
| Registration of security interest in real property | NOK 585 |
| Registration of security interest in real property in connection with refinancing | NOK 200 |
| Registration of security interest in a housing cooperative unit | NOK 480 |
| Registration of collateral for car, MC and caravan loans - electronic | NOK 1 051 |
| - other | NOK 1 516 |
Other charges |
|
| Cancellation of security interest in connection with debt redemption | NOK 0 |
| Non complex changes | NOK 500 |
| Complex changes | NOK 750 |
| Statement of outstanding debt, copy of loan documents (per loan/mortgage) | NOK 250 |
| Construction loan, per invoice | NOK 35 |
| Overdraft facility on current account (per year, NOK 100 every 4 months) | NOK 300 |
Private rent: |
|
| Forwarding fines | NOK 250 |
| Autopass invoice | NOK 125 |
| Autopass invoice with extra charge from issuer | NOK 250 |
| Invoicing outstanding debt which has been transferred for debt collection | NOK 250 |
Overdue payment/payment deferment: |
|
| First reminder | NOK 35 |
| Notice of collection (second reminder) | NOK 35 |
| Demand for payment (third reminder) | NOK 105 |
Young adults – up to 34 years
BLU:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 4.34 % p.a. Annuity loan with effective interest rate 4.50 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 303 190, total NOK 3 303 190 over 25 years.
Fixed-rate home mortgage young adults:
Loan amount NOK 2 000 000, nominal interest rate 5.04 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 5.23 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 544 090, totalt NOK 3 544 090 over 25 years.
Car loan for young adults with down payment 35 % or more:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 5.74 % p.a., effective interest rate 7.60 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 29 691, total NOK 179 691 over 5 years.
Personal Loan for young adults:
Loan amount NOK 50 000. Nominal interest rate 11.05 % p.a. Annuity loan with effective interest rate 14.34 % p.a. including front-end fee NOK 500 and instalment fee NOK 50. Total cost NOK 68 777 over 5 years.
SAGA
Fixed-rate home mortgage SAGA:
Loan amount NOK 2 000 000, nominal interest rate 5.04 % p.a. for 3 year fixed rate. Annuity loan with effective interest rate 5.23 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 544 090, totalt NOK 3 544 090 over 25 years.
Green home mortgage: Please see "34 years or more"
Car loan Saga and Saga Platinum with 35 % down payment:
Loan amount 150 000 NOK up to 65 % of purchase price. Annuity loan with nominal interest rate 5.74 % p.a., effective interest rate 7.54 % p.a. including front-end fee NOK 2 300 and instalment fee NOK 65. Cost NOK 29 460, total NOK 179 460 over 5 years.
34 years or more:
Home Mortgage up to 75 % of market value - floating interest rate:
Loan amount NOK 2 000 000, up to 75 % of market value. Nominal interest rate 5,05 % p.a. Annuity loan with effective interest rate 5,24 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 460 390, total NOK 3 460 390 over 25 years.
Fixed-rate home mortgage:
Loan amount NOK 2 000 000 up to 75 % of market value. Nominal interest rate 5.09 % p.a. for 3 year fixed rate period. Annuity loan with effective interest rate 5.28 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 561 490, total NOK 3 561 490 over 25 years.
Green home mortgage:
Loan amount NOK 2 000 000 up to 85 % of market value. Nominal interest rate 4.34 % p.a. Annuity loan with effective interest rate 4.50 % p.a. including front-end fee NOK 3 190 and instalment fee NOK 65. Cost NOK 1 303 190, totalt NOK 3 303 190 over 25 years.
Construction credit:
Loan amount NOK 2 000 000. Nominal interest rate 7.00 % p.a. Effective interest rate 10.31 % p.a. at 100 % utilization rate, including front-end fee NOK 6 000 and commission 0.33 % of approved credit limit per quarter. Cost NOK 108 036, total NOK 2 108 036 over 1 year.
Consumer financing:
Loan amount NOK 100 000. Nominal interest rate 10,9 %, effective interest rate 11.7 % including front-end fee NOK 500. Cost NOK 30 806, total NOK 130 806 over 5 years.
Car loans
Car loan and secured Car loan®, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 5.84 % p.a., effective interest rate 7.71 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 30 115, total NOK 180 115 over 5 years.
Green Car loan with 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 5.74 % p.a., effective interest rate 7.60 % p.a., including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 29 691, total NOK 179 691 over 5 years.
Boats, MC and caravans
Boat loan, boats 7 meters or more, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 6.95 % p.a., effective interest rate 8.89 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 34 865, total NOK 184 865 over 5 years.
Boat loan, boats up to 7 meters, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 7.84 % p.a., effective interest rate 10.21 % p.a. including front-end fee NOK 3 700 and instalment fee NOK 65. Cost NOK 40 184, total NOK 190 184 over 5 years.
Caravan loan, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 5.84 % p.a., effective interest rate 7.71 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 30 115, total NOK 180 115 over 5 years.
MC, snowmobile and ATV, 35 % down payment:
Loan amount NOK 150 000 up to 65 % of purchase price. Annuity loan with nominal interest rate 6.80 % p.a., effective interest rate 8.73 % p.a. including front-end fee NOK 2 500 and instalment fee NOK 65. Cost NOK 34 219, total NOK 184 219 over 5 years.
Credit cards
DNB Mastercard:
Nominal interest rate 19.20 %, effective interest rate 20.98 %, NOK 35 000. Cost NOK 3 746, total NOK 38 746 over 12 months.
Hvitt Mastercard (White Mastercard):
Nominal interest rate 18,60 %, effective interest rate 20.27 %, NOK 5 000. Cost NOK 518, total NOK 5 518 over 12 months.
Sølv Mastercard (Silver Mastercard):
Nominal interest rate 18.60 %, effective interest rate 20.27 %, NOK 30 000. Cost NOK 3 108, total NOK 33 108 over 12 months.
SAGA Gull Mastercard (SAGA Gold Mastercard):
Nominal interest rate 18.00 %, effective interest rate 19.56%, NOK 130 000. Cost NOK 13 021, total NOK 143 021 over 12 months.
SAGA Platinum Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.56 %, NOK 205 000. Cost NOK 20 533, total NOK 225 533 over 12 months.
Private Banking Mastercard:
Nominal interest rate 18.00 %, effective interest rate 19.56%, NOK 225 000. Cost NOK 22 536, total NOK 247 536 over 12 months.
The indicative prices for Home mortgages, Home equity credit lines and Fixed-rate loans apply to loans from DNB Boligkreditt. DNB Boligkreditt AS is a wholly-owned subsidiary of DNB Bank ASA. DNB Boligkreditt extends loans to private individuals and self-employed persons for residential properties secured within 75 % of appraised value.
Loans which meet criteria set by DNB Boligkreditt will receive our most favourable interest rate terms. Most residential properties qualify for a loan in DNB Boligkreditt. There are some exceptions, including holiday homes, secondary residences/rental properties, undeveloped land and agricultural properties with residential buildings. In such cases the price is 0.10 percentage points higher than indicated in the price list.
