Guide prices for loans for personal customers
We always consider every loan application individually. The price you get is based, among other things, on debt-servicing capacity, security and risk.
Prices of home mortgages applies to loans up to NOK 10 million and assumes that you have a wage entry and use the bank on a daily basis.
All prices up to 85% of market value.
Price for first home loan. Other loan applications are assessed individually.
All prices up to 85% of market value
Suggested prices. We assess each loan application individually.
Loans over NOK 4.000.000
Loans NOK 2 000 000 - 4 000 000
Loans under NOK 2 000 000
All prices up to 75% of market value.
At over 75% of market value, the price is 0.10 percentage points higher
All prices up to 85% of market value.
Price for first home loan. Other loan applications are assessed individually.
Nominal interest rate from 4.99 %, APR 5.18 %
We assess each individual application individually. Contact the bank for offers.
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
Prices can change at short notice. Your price will be determined on the day we disburse the loan.
Prices up to 60% of market value.
Suggested prices. We assess each loan application individually.
Loans over NOK 4.000.000
Loans between NOK 2 000 000 and NOK 4 000 000
Loans under NOK 2 000 000
All prices up to 60% of market value.
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Boats measuring 7 metres or more
Equity 35% or more
Equity under 35%
Boats under 7 metres long
Equity 35% or more
Equity under 35%
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Equity 35% or more
Equity 20% - 35%
Equity under 20%
Price example: Nominal interest rate from 10.9%, effective interest rate 11.7%, NOK 100,000 over 5 years, establishment fee from NOK 500. Cost NOK 30,806. A total of NOK 130,806.
Nominal interest rate SAGA Liquidity Reserve: 10.9%
Nominal interest rate DNB Consumer Loan: 10.9 % to 13 %
Payment insurance 0.4% per month of the balance.
Sale of new products stopped.
Sale of new products stopped.
For customers without a programme, an extra NOK 100 is charged every 4 months (NOK 300 per year)
Set-up
Environmental loans
Home mortgages, fixed-rate loans, home equity credit lines – per case
Construction credit
Consumer loan and SAGA Consumer loan
Deducted from the granted credit limit
Car loan SAGA
Other car loans
Loans for boats shorter than 7 metres
Loans for boats longer than 7 metres
Instalment fees for loans
Home mortgages, fixed-rate loans
Home equity credit lines
Car loans
Green car loan
Consumer loan/SAGA Consumer loan
Loan collateral
Deposit fees
Per security object (property, access documents): NOK 1 000
Surety, pledges on bank deposits, guarantees, funds or shares: NOK 500
Cost for establishing collateral in stockapartment is determined by the accountant.
Public registration costs
Real estate, refinancing, house cooperative share
Car, motorcycle and caravan – electronically
Car, motorcycle and caravan – paper
Other prices home mortgage
Change the debit account, instalment date, reduce the term, delete security upon redemption, change of debtor (change places)
Simple changes (interest-only period, extend term, etc.)
Extensive changes (for fixed-rate interest, priority changes, mortgage waivers, changes to security or co-guarantee etc.)
Remaining debt statement or copy of documents (per loan)
Construction loan per invoice
Other prices for consumer credit
Transfer from consumer financing to account, self-service by customer
Transfer from consumer financing to account, performed by customer centre
Private leasing
Forwarding of fines
AutoPASS invoice with no additional fee from issuer
AutoPASS invoice with additional fee from issuer
Re-invoicing of claims sent to debt collection
Late payment/deferred payment
Reminder (1st reminder)
Collection notification (2nd reminder)
Payment request (3rd reminder)
Home mortgages – floating interest rate up to 75% of market value
First home mortgages
Home equity credit lines
Fixed-rate loan 3 years
Fixed-rate loan 5 years
Fixed-rate loan 10 years
Fixed-rate loan Ung (Young Adults) 3 years
Fixed-rate loan Ung (Young Adults) 5 years
Fixed-rate loan Ung (Young Adults) 10 years
Green Home loan/Green home equity credit lines
Green Fixed-rate loan 3 years
Green Fixed-rate loan 5 years
Green Fixed-rate loan 10 years
SAGA Fixed-rate loan 3 years
SAGA Fixed-rate loan 5 years
SAGA Fixed-rate loan 10 years
Consumer loan
SAGA Consumer loan
Car loans for young adults at 35% equity
Car loans for young adults at 20% equity
Car loans for young adults without equity
Car loan and Secured Car loan® at 35% equity
Car loan and Secured Car loan® at 20% equity
Car loan and Secured Car loan® without equity
Green car loan at 35% equity
Green car loan at 20% equity
Green car loan without equity
SAGA Car loan and SAGA Platinum at 35% equity
SAGA Car loan and SAGA Platinum at 20% equity
SAGA Car loan and SAGA Platinum without equity
Boat loans above 7 metres at 35% equity
Boat loans above 7 metres for less than 35% equity
Boat loans less than 7 metres at 35% equity
Boat loans less than 7 metres at less than 35% equity
Caravan at 35% equity
Caravan at 20% equity
Caravan without equity:
Motorcycle, snowmobiles and ATV at 35% equity
Motorcycle, snowmobiles and ATV at 20% equity
Motorcycle, snowmobiles and ATV without equity
Price examples are calculated on the basis of guidelines from the authorities, and are based on several factors. Among other things, the APR and costs of your loan are affected by the loan amount, repayment period, any interest-only period, costs and the nominal interest rate.
Compare our prices with other companies at Finansportalen.no
The guide prices for Young Adult Home Mortgages and Start home mortgages for young adults only apply to loans for primary residences and assume that the security qualifies for DNB Boligkreditt (Housing Credit).
The guide prices for home mortgages up to 75% and home equity credit lines up to 60% apply to loans and assume that the security qualifies for DNB Boligkreditt (Housing Credit). For loan-to-value ratios above 75% (above 60% for home equity credit lines), loans to second homes, or where the security does not quality for Boligkreditt, the interest rate is 0.10 percentage points higher.
Most homes qualify for DNB Boligkreditt. Some exceptions are holiday homes, secondary/rental homes, undeveloped land and agricultural properties with a residential section.
DNB Boligkreditt AS is a wholly-owned subsidiary of DNB Bank ASA. DNB Boligkreditt gives loans to private individuals and independent business owners who mortgage their own residential property up to 75% of well-founded market value.