An indicator pricing loans to individual users

Fees and you can costs

first america cash advance

Brand new conditions and terms on home mortgages require you to located typical income, personal coverage otherwise pension repayments and rehearse DNB since your relaxed financial.

Computation out of effective interest levels

BLU Start:Amount borrowed NOK 2 100 100 around 85 % from market value. Nominal interest rate step three.39 % p.a great. Annuity mortgage that have productive rate of interest step three,52 % p.good. including side-stop fee NOK 3 190 and you can instalment percentage NOK 65. Prices NOK 990 890, overall NOK dos 990 890 over twenty five years.

Amount borrowed NOK dos one hundred thousand 100000, moderate rate of interest cuatro.69 % p.an excellent. to own step three 12 months fixed rates. Annuity loan which have energetic interest cuatro.87 % p.good. and additionally front-avoid fee NOK step three 190 and you may instalment payment NOK 65. Pricing NOK step one 422 590, totalt NOK 3 422 590 over 25 years.

Car finance having young adults having advance payment thirty five % or higher:Amount borrowed NOK 150 000 up to 65 % away from purchase price. Annuity loan having nominal interest 4.74 % p.an effective., energetic rate of interest 6.54 % p.an effective. together with front side-prevent percentage NOK 2 five hundred and you may instalment commission NOK 65. Cost NOK 25 484, overall NOK 175 484 over 5 years.

Loan amount NOK fifty one hundred thousand. Affordable rate of interest % p.a great. Annuity financing having effective interest % p.good. as well as top-end commission NOK five hundred and instalment fee NOK fifty. Total cost NOK 68 777 more five years.

Fixed-price home mortgage Tale:Loan amount NOK 2 100000 000, moderate interest 4.69 % p.a good. to possess step 3 seasons fixed speed. Annuity loan having energetic interest 4.87 % p.a beneficial. in addition to side-stop payment NOK step three 190 and instalment percentage NOK 65.