How much does
a mortgage cost?
Are you planning to sell your home? In this case, it can be beneficial to carry out small and simple measures that can make the property far more attractive to potential buyers.
June 11, 2025
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We have created a simple table where you can see different examples of how much a mortgage can cost per month.
The amounts below are calculated as annuity loans over 25 years with an establishment fee of NOK 1,500 and a term fee of NOK 50. The fees vary from bank to bank.
LOAN EXAMPLE PER 11 JUNE 2025:
Loan 2,000,000 – eff. interest rate 5.80% – term amount: 12.461,- incl interest and installments
Loan 3.000.000 – eff. interest 5.80% – term amount: 18.662,- incl interest and installments
Loan 4 000 000 – eff. interest 5.46% – term amount: 24.147,- incl. interest and installments
Loan 5.000.000 – eff. interest 5.46% – term amount: 30.169,- incl interest and installments
Loan 6.000.000 – eff. interest rate 5.46% – term amount: NOK 36,191 including interest and installments
If you have a loan that does not amount to more than 60% of the property’s value, you can choose to pay off the loan for a period, usually up to 5 years. Then you only pay interest on the loan, but you can make installments when you want and if you want.
An annuity loan has equal installment amounts throughout the term of the loan (assuming unchanged interest). The installment portion is gradually increased during the term of the loan, and as the loan is paid off, the interest payments make up an ever smaller portion. In other words, the first installment consists mostly of interest, while the last installment consists mostly of installments.
Fixed installment amount. rising installments and falling interest amounts.
Serial loans are characterized by the fact that the installments are the same throughout the term of the loan. In other words, the loan is paid off evenly, and the interest expenses are reduced as the loan is paid off. Fixed instalments, falling interest amounts and falling installment amounts.
Read more about annuity vs serial loans here →
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