Log in to Gjeldsmonitor

Special loan for

own "home"
in Norway

21 954 455

Ask about a loan

Effektiv rente i henhold til Forbrukerombudets retningslinjer for markedsføring av boliglån er 6,79% ved et lån på 2 millioner over 25 år, kost kr1 895 969, totalt kr3 895 969.

A special loan is the perfect solution for you if:

  • you want to buy your first property in Norway,
  • the bank refused you a loan to buy property,
  • you have irregular income,
  • you do not have creditworthiness,
  • you have unpaid debt or inkasso,
  • you have been in Norway for too short a time,
  • you own property in Norway and want to refinance your loans and credit cards.

Special loan for property purchase

Why is it worth it?

Fill out the loan application form! Provide your data and proceed

Enter first and last name
Enter phone number
Enter email address
Enter Norwegian personal number

expand all

Please mark the required consents

Proceed

  • It's a cheaper solution than monthly rent for an apartment.
  • We take into account all your income (including benefits or seasonal earnings) to realistically assess your credit possibilities.
  • Inkasso, or lack of a permanent job, does not disqualify your credit possibilities.
  • You can count on our flexibility and our search for a solution in your situation.

What conditions must you meet to apply for a special loan?

  • The minimum market value of the property must be 750,000 NOK.
  • The minimum down payment is 15% of the value of the purchased property; however, instead of a down payment, securing the loan with another property is sufficient.

Refinancing loans and credit cards

If you own property in Norway and want to refinance your loans and credit cards, consolidate all your consumer loans and credits into one mortgage!

  • This way you will reduce your monthly expenses.
  • We will help you! We will check if this solution will be beneficial for you.
  • You will regain transparency and control over your household budget.


apply for refinancing

Conditions for obtaining refinancing:

  • ownership of property in Norway with a minimum value of 750,000 NOK,
  • loan amount from 250,000 kr, maximum up to 85% of the market value of the house or apartment, in the case of a summer house 75%.

InformantLearn more about special loans

Can the minimum 15% down payment come from a consumer loan or credit cards?

No. If the bank verifies in Gjeldsregisteret that a consumer loan was recently taken out, it will reject the application.

What can be done if we do not have a down payment? What is a Start loan?

In Norway, for people in a more difficult financial situation (e.g., families with children, lower income), a down payment can be applied for from the Kommune. Each Kommune has its own rules and specific conditions to be met. You can apply for a so-called Start Loan there, which is recognized by banks as a down payment. Start loans have low interest rates.

Can you apply for a mortgage if you have unpaid debts and inkasso?

Yes, you can. In such cases, we consider your situation individually, analyzing all sources of income.

What about the money we have from selling property in Poland?

It can be used for a down payment. However, you will need to present a Notarial Deed to the bank.

What if the spouse works in Poland? Are his/her earnings taken into account?

Yes, the spouse's income is taken into account. However, he/she must present a relevant certificate.

What is the mortgage application procedure?

After income verification, the client searches for a property and sends it to the bank for acceptance. Only then does he/she make an offer on the property. Not the other way around. Often, clients find a house and then apply for a mortgage. This is the wrong order.

How long is a mortgage offer valid? How much time does the client have to find a suitable property?

The client has 3 months to find a property and make an offer.

Can property be used as a down payment?

We accept collateral in a mortgage as a down payment, but this depends on the free amount of collateral. We cannot always help a client who buys property for investment purposes, but we can review the case.

Consent
Details
This site uses cookies

Our site uses cookies to optimize website performance, analyze traffic, and personalize content and advertisements to your preferences. In accordance with Google's requirements, we use consent mode, which allows you to control what data is collected and processed. You can consent to all cookie categories or manage your preferences. More information can be found in our Privacy Policy.

Necessary

These cookies are essential for the website to function and cannot be switched off in our systems. They are usually set in response to actions made by you, such as privacy settings, logging in, or filling in forms. These cookies do not store any personal data.

Analytics

Analytical cookies allow us to measure website traffic and analyze how users interact with it. This helps us improve website functionality and adapt its content to user needs. We use Google Analytics in Consent Mode, which operates according to your preferences. If you do not consent, Google Analytics will limit data collection and processing.

Marketing

Marketing cookies are used to personalize the ads you see both on our site and on external partner sites. They make ads more relevant and tailored to your interests. Google Ads operates in consent mode, which adjusts the level of ad personalization to your settings. You can decide whether you want your data to be used for displaying personalized ads.

Reject all
Manage preferences
Confirm selection
Accept all