{"id":10021,"date":"2023-04-28T14:49:06","date_gmt":"2023-04-28T14:49:06","guid":{"rendered":"https:\/\/eiendomsfinans.no\/what-is-refinancing\/"},"modified":"2025-02-11T11:10:48","modified_gmt":"2025-02-11T11:10:48","slug":"what-is-refinancing","status":"publish","type":"page","link":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/","title":{"rendered":"What is refinancing?"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h1 class=\"wp-block-heading has-global-color-9-color has-text-color\" id=\"h-hva-er-refinansiering\"><strong>What is refinancing?<\/strong><\/h1>\n\n\n\n<p><strong>Refinancing can be done in several ways:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>refinance by switching banks to get a better interest rate<\/li>\n\n\n\n<li>refinance to borrow more money<\/li>\n\n\n\n<li>refinance to gather several small loans into one overall loan<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg\" alt=\"\" class=\"wp-image-18702\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-300x169.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-768x432.jpg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp.jpg 1366w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading has-text-align-center has-global-color-12-color has-text-color has-link-color wp-elements-0a55605aed3f6fadcb54cafe584c0796\" id=\"h-sok-om-refinansiering-her\" style=\"font-size:25px\"><strong>Apply for refinancing here:<\/strong><\/h4>\n\n\n<div class=\"gb-container gb-container-00bed2a0\">\n\n<multistep-form type=\"embed\" language=\"\" postid=\"\"><\/multistep-form>\n\n<\/div><\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading has-global-color-9-color has-text-color\" id=\"h-hva-er-refinansiering-0\"><strong>What is refinancing<\/strong>?<\/h3>\n\n<p>Refinancing is the process of getting a new loan to pay off existing loans. This can be done in your existing bank or by checking offers from other banks. Refinancing can be a good option if you want a bank with lower interest rates and fees, or if you need to increase the loan amount, for example to pay off credit debt or to renovate or build on. We can help you find a bank that suits your needs and wishes. A good tip when you get a new home loan is to set the mortgage document to the bank at a higher amount than the loan amount, so that it is easier to increase the loan amount later without having to submit a new mortgage document to the land registry.<\/p>\n\n<p>Refinancing can be a good opportunity to reduce monthly loan costs or to pay off the loan faster. You may want to consider refinancing if you have a loan with a high interest rate, or if you have a loan with unfavorable terms, such as long terms or high fees.<\/p>\n\n<h2 class=\"wp-block-heading has-global-color-9-color has-text-color\" id=\"h-refinansiering-ofte-stilte-sporsmal-om-refinansiering\">Refinancing <br\/>&#8211; frequently asked questions about refinancing:<\/h2>\n<div class=\"gb-container gb-container-b5037577\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1682690162658\"><strong class=\"schema-faq-question\"><a class=\"\" href=\"javascript:void(0)\">  1. What is refinancing?<\/a><\/strong> <p class=\"schema-faq-answer\">Refinancing is the process of borrowing money from a new creditor to pay off an existing debt. The goal of refinancing is often to get a better interest rate or a lower monthly payment on the debt.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690185969\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  2. Who can refinance?<\/a><\/strong> <p class=\"schema-faq-answer\">Most people can refinance, as long as they have good credit and a stable income. However, it is worth noting that some types of debt, such as student loans, cannot be refinanced.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690203700\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  3. What should I consider before refinancing?<\/a><\/strong> <p class=\"schema-faq-answer\">It is important to assess whether refinancing will be profitable for you, based on your financial goals and situation. You should compare the interest rate on your existing loan with the interest rate on a refinancing loan, and assess whether the difference in the interest rate will be large enough to make it worthwhile to refinance. You should also consider any fees that may be associated with refinancing and make sure you can afford them.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690222752\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  4. How do I apply for refinancing?<\/a><\/strong> <p class=\"schema-faq-answer\">You can apply for refinancing through Eiendomsfinans via the form at the top of the page. You will usually need to provide information about your financial situation, including income, assets and existing debts.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690238275\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  5. Is refinancing always profitable?<\/a><\/strong> <p class=\"schema-faq-answer\">Refinancing is not always profitable. If you have a low interest rate on your existing loan, you may not be able to get a better interest rate through refinancing. In addition, there may be fees associated with refinancing, which may make it not worthwhile to refinance even if you can get a better interest rate. It is therefore important to assess whether refinancing will be profitable for you, based on your financial goals and situation. We help you calculate this.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690252775\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  6. Can I refinance an unsecured loan?<\/a><\/strong> <p class=\"schema-faq-answer\">Yes, you can refinance an unsecured loan, such as a credit card debt or a consumer loan. However, it is worth noting that unsecured loans usually have higher interest rates than secured loans. Here you can also read more about refinancing unsecured loans by <a href=\"https:\/\/www.eiendomsfinans.no\/produkter\/samle-smalan\/\" target=\"_blank\" rel=\"noreferrer noopener\">collecting small loans<\/a><br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690268675\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  7. Can I refinance a loan with a short repayment period?<\/a><\/strong> <p class=\"schema-faq-answer\">Yes, it is possible to refinance a loan with a short repayment period, but you may not be able to get such a good interest rate on such a loan. This is because lenders usually require borrowers to have a longer repayment period to reduce the risk that the borrower will not be able to repay the loan.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690283168\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  8. Can I refinance a mortgage?<\/a><\/strong> <p class=\"schema-faq-answer\">Yes, you can refinance a mortgage. The aim of refinancing a home loan may be to get a lower interest rate, a shorter repayment period or to get a different type of loan, such as a fixed-rate loan, interest-free loan or home loan. Here you can read more about <a href=\"https:\/\/www.eiendomsfinans.no\/produkter\/refinansiere-boliglan\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage refinancing.<\/a><br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690307254\"><strong class=\"schema-faq-question\"><a class=\"\" href=\"javascript:void(0)\">  9. What happens to the remaining debt when I refinance?<\/a><\/strong> <p class=\"schema-faq-answer\">When you refinance, you pay off the existing debt with the money you borrow through the refinance. If you choose to refinance all the debt you have, the remaining debt will therefore be zero after the refinancing has been completed.<br><a href=\"javascript:void(0)\"><\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682690323458\"><strong class=\"schema-faq-question\"><a href=\"javascript:void(0)\">  10. Can I refinance a loan with a bad credit score?<\/a><\/strong> <p class=\"schema-faq-answer\">It may be more difficult to refinance a loan with a bad credit score, but it is not impossible. We help you apply for refinancing with a lender that offers loans to people with bad credit, but you must expect to pay a higher interest rate than usual. You may also need a guarantor to refinance your debt.<\/p> <\/div> <\/div>\n<\/div>\n<\/div>\n\n<\/div>\n<figure class=\"gb-block-image gb-block-image-852c6e67\"><img decoding=\"async\" width=\"2560\" height=\"1117\" class=\"gb-image gb-image-852c6e67\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36.png\" alt=\"\" title=\"image-36\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36.png 2560w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36-300x131.png 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36-1024x447.png 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36-768x335.png 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36-1536x670.png 1536w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/image-36-2048x894.png 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<p><\/p>\n\n<h4 class=\"gb-headline gb-headline-dd40d39f gb-headline-text\"><strong>To refinance loans, you must first apply for a loan.&nbsp;&nbsp;<\/strong><br><strong><a href=\"https:\/\/www.eiendomsfinans.no\/sok-lan\/\">You can apply for a loan here<\/a>&nbsp;via Eiendomsfinans: <\/strong> <\/h4>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button ab-form-button\"><a class=\"wp-block-button__link has-global-color-10-color has-global-color-12-background-color has-text-color has-background wp-element-button\" style=\"border-radius:7px\">APPLY NOW<\/a><\/div>\n<\/div>\n\n<p>You must provide documentation of your finances, including income, assets and debts. The bank will then assess whether you are creditworthy and whether you meet their requirements for loan amount and term. If you are approved for the loan, you will receive a loan offer with information on the interest rate, fees and other conditions.<\/p>\n\n<p>Once you have received the loan offer, we can assess together with you whether this is a good solution for you. If you accept the offer, the bank will then make an agreement with your existing bank to transfer your loan to them. When this is done, you will get a new loan from the new bank, and your existing loan will be paid off.<\/p>\n\n<p>It is important to remember that refinancing can entail additional costs, for example an establishment fee and any cost to pay off the loan before maturity. It may therefore be a good idea to calculate whether it will actually be financially profitable for you to refinance your loan. An adviser at Eiendomsfinans can help you to assess whether refinancing is a good solution for you and to compare offers from different banks.<\/p>\n\n<p>You can refinance loans in your existing bank, or you can let us check with several other banks what offers they can give you for refinancing. The process of refinancing is the same or almost the same at the vast majority of banks. You can refinance the same loan amount as you have today if you want a bank with lower interest and fees, or you can increase the loan amount. In cases where you want to <a href=\"https:\/\/eiendomsfinans.no\/en\/collect-small-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>&#8220;bake in&#8221; credit debt and small loans<\/strong><\/a> in <a href=\"https:\/\/www.eiendomsfinans.no\/nytt-boliglan\/\">the mortgage<\/a>, or where you want to renovate\/build on, you will need to increase the loan amount. We help you to optimize your loan application with banks that we think can suit your wishes and needs.<\/p>\n\n<p><strong>We explain what refinancing is with an example:<\/strong> <br\/>If you have a mortgage of 3 million and a mortgage document of 4 million, you can increase the loan amount up to 4 million without the bank having to take more security\/mortgage in your home. A mortgage document is the actual confirmation of how much security the bank has in your home. If you then choose to increase the loan to 3.5 million because you have to change the roof and build a garage, then you almost only need to electronically sign a new promissory note. The payment can then be made within a couple of days. If you have 3 million in debt, a mortgage document of 3 million and want to increase it to 3.5 million, then the bank must create a new mortgage document of at least 3.5 million and submit it to <a href=\"https:\/\/www.kartverket.no\/\">the Mapping Authority<\/a> for land registration. It usually takes a week.<\/p>\n\n<div style=\"height:49px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading has-global-color-9-color has-text-color\"><strong>Different forms of refinancing:<\/strong><\/h3>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-innbygging wp-block-embed-innbygging\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"Dtr5E6Atwz\"><a href=\"https:\/\/eiendomsfinans.no\/refinansiering-kredittkort\/\">Refinansiering kredittkort<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Refinansiering kredittkort&#8221; &#8212; \" src=\"https:\/\/eiendomsfinans.no\/refinansiering-kredittkort\/embed\/#?secret=CB2iBRTrii#?secret=Dtr5E6Atwz\" data-secret=\"Dtr5E6Atwz\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-innbygging wp-block-embed-innbygging\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"D3Jv8Tfu46\"><a href=\"https:\/\/eiendomsfinans.no\/slette-betalingsanmerkning\/\">Slette Betalingsanmerkninger<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Slette Betalingsanmerkninger&#8221; &#8212; \" src=\"https:\/\/eiendomsfinans.no\/slette-betalingsanmerkning\/embed\/#?secret=wg1tb23lrk#?secret=D3Jv8Tfu46\" data-secret=\"D3Jv8Tfu46\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-innbygging wp-block-embed-innbygging\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"wBB5jmJF07\"><a href=\"https:\/\/eiendomsfinans.no\/boligkreditt\/\">Boligkreditt<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Boligkreditt&#8221; &#8212; \" src=\"https:\/\/eiendomsfinans.no\/boligkreditt\/embed\/#?secret=N3TbCmiJ5C#?secret=wBB5jmJF07\" data-secret=\"wBB5jmJF07\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-innbygging wp-block-embed-innbygging\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"dIjkVlmG5H\"><a href=\"https:\/\/eiendomsfinans.no\/refinansiere-gjeld\/\">Refinansiere gjeld<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Refinansiere gjeld&#8221; &#8212; \" src=\"https:\/\/eiendomsfinans.no\/refinansiere-gjeld\/embed\/#?secret=7qbFh7TU0X#?secret=dIjkVlmG5H\" data-secret=\"dIjkVlmG5H\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-innbygging wp-block-embed-innbygging\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"YFuFWZTmSa\"><a href=\"https:\/\/eiendomsfinans.no\/refinansiere-boliglan\/\">Refinansiere boliglan<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;Refinansiere boliglan&#8221; &#8212; \" src=\"https:\/\/eiendomsfinans.no\/refinansiere-boliglan\/embed\/#?secret=2VtsNRi2Ld#?secret=YFuFWZTmSa\" data-secret=\"YFuFWZTmSa\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n<p><\/p>\n<div class=\"gb-container gb-container-007ef527\">\n\n<link rel=\"stylesheet\" type=\"text\/css\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/slick-carousel@1.8.1\/slick\/slick.css\"\/>\n<script type=\"text\/javascript\" src=\"https:\/\/cdn.jsdelivr.net\/npm\/slick-carousel@1.8.1\/slick\/slick.min.js\"><\/script>\n\n<div class=\"bank-logo-slider\">\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/kraft-bank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/kraft-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/lea-bank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/lea-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/brage-finans\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/brage-finans.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/instabank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/insta-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/sparebank-1\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/spare-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/bluestep-bank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/bluestep_bigtext.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/bank-2\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/newBank2-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/balanse-bank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/10\/newBalance_bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/nordax-bank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/nordax-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/skue-sparebank\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/skue-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/svea\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/svea-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/larvikbanken-2\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/skagerrak-sparebank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/personforsikring-2\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/u-youplus.png\" alt=\"Bank 1\"\/><\/a><\/div>\n    <div><a href=\"https:\/\/eiendomsfinans.no\/en\/bn-bank-are-mortgage-experts\/\"><img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/08\/bn-bank.png\" alt=\"Bank 1\"\/><\/a><\/div>\n<\/div>\n\n<style>\n.bank-logo-slider img {\n    width: 100%;\n    height: auto;\n    display: block;\n    margin: 0 auto;\n}\n\n.bank-logo-slider {\nwidth: 100%;\n}\n\n.bank-logo-slider .slick-slide {\n    padding: 10px;\n}\n\n.bank-logo-slider {\n    opacity: 0;\n}\n\n.bank-logo-slider.slick-initialized {\n    opacity: 1;\n    transition: opacity 0.5s ease-in;\n}\n<\/style>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>What is refinancing? Refinancing can be done in several ways: Apply for refinancing here: What is refinancing? Refinancing is the process of getting a new loan to pay off existing loans. This can be done in your existing bank or by checking offers from other banks. Refinancing can be a good option if you want &#8230; <a title=\"What is refinancing?\" class=\"read-more\" href=\"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/\" aria-label=\"Read more about What is refinancing?\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-10021","page","type-page","status-publish"],"acf":{"superoffice_client":"","superoffice_token":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is refinancing? | eiendomsfinans.no<\/title>\n<meta name=\"description\" content=\"What is refinancing? Read what it means to refinance and how you can get help to consolidate loans and reduce costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is refinancing? | eiendomsfinans.no\" \/>\n<meta property=\"og:description\" content=\"What is refinancing? Read what it means to refinance and how you can get help to consolidate loans and reduce costs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/eiendomsfinans.no\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-11T11:10:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/\",\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/\",\"name\":\"What is refinancing? | eiendomsfinans.no\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/eiendomsfinans.no\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/epler-og-kaffekopp-1024x576.jpg\",\"datePublished\":\"2023-04-28T14:49:06+00:00\",\"dateModified\":\"2025-02-11T11:10:48+00:00\",\"description\":\"What is refinancing? Read what it means to refinance and how you can get help to consolidate loans and reduce costs.\",\"mainEntity\":[{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690162658\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690185969\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690203700\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690222752\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690238275\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690252775\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690268675\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690283168\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690307254\"},{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690323458\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#primaryimage\",\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/epler-og-kaffekopp-1024x576.jpg\",\"contentUrl\":\"https:\\\/\\\/eiendomsfinans.no\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/epler-og-kaffekopp-1024x576.jpg\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/\",\"name\":\"Eiendomsfinans\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/#organization\",\"name\":\"Eiendomsfinans Drift AS\",\"alternateName\":\"Eiendomsfinans Drift AS\",\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/Eiendomsfinans-logo-350-x-70-px.jpg\",\"contentUrl\":\"https:\\\/\\\/eiendomsfinans.no\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/Eiendomsfinans-logo-350-x-70-px.jpg\",\"width\":350,\"height\":72,\"caption\":\"Eiendomsfinans Drift AS\"},\"image\":{\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/eiendomsfinans.no\",\"https:\\\/\\\/www.instagram.com\\\/eiendomsfinans\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/eiendomsfinans-as\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCSzDlk6iPye65p08UE-ljgQ\"],\"description\":\"Eiendomsfinans is a financial agent company licensed to provide loans by the Financial Supervisory Authority of Norway. We obtain offers for mortgages and refinancing from several banks on behalf of the customer. \",\"email\":\"firmapost@eiendomsfinans.no\",\"telephone\":\"32880000\",\"legalName\":\"Eiendomsfinans Drift AS\",\"foundingDate\":\"1993-09-01\",\"vatID\":\"987214597\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690162658\",\"position\":1,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690162658\",\"name\":\"\u00a01. Hva er refinansiering?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Refinansiering er prosessen med \u00e5 l\u00e5ne penger fra en ny kreditor for \u00e5 betale en eksisterende gjeld. M\u00e5let med refinansiering er ofte \u00e5 f\u00e5 en bedre rente eller en lavere m\u00e5nedlig betaling p\u00e5 gjelden.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690185969\",\"position\":2,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690185969\",\"name\":\"\u00a02. Hvem kan refinansiere?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"De fleste mennesker kan refinansiere, s\u00e5 lenge de har god kreditt og en stabil inntekt. Det er imidlertid verdt \u00e5 merke seg at noen typer gjeld, som studiel\u00e5n, ikke kan refinansieres.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690203700\",\"position\":3,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690203700\",\"name\":\"\u00a03. Hva b\u00f8r jeg vurdere f\u00f8r jeg refinansierer?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Det er viktig \u00e5 vurdere om refinansiering vil v\u00e6re l\u00f8nnsomt for deg, basert p\u00e5 dine \u00f8konomiske m\u00e5l og situasjon. Du b\u00f8r sammenligne renten p\u00e5 ditt eksisterende l\u00e5n med renten p\u00e5 et refinansieringsl\u00e5n, og vurdere om forskjellen i renten vil v\u00e6re stor nok til at det vil l\u00f8nne seg \u00e5 refinansiere. Du b\u00f8r ogs\u00e5 vurdere eventuelle gebyrer som kan v\u00e6re forbundet med refinansiering, og s\u00f8rge for at du har r\u00e5d til \u00e5 betale dem.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690222752\",\"position\":4,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690222752\",\"name\":\"\u00a04. Hvordan s\u00f8ker jeg om \u00e5 refinansiere?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Du kan s\u00f8ke om \u00e5 refinansiere gjennom Eiendomsfinans via skjemaet \u00f8verst p\u00e5 siden. Du vil vanligvis m\u00e5tte levere informasjon om din \u00f8konomiske situasjon, inkludert inntekt, formue og eksisterende gjeld.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690238275\",\"position\":5,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690238275\",\"name\":\"\u00a05. Er refinansiering alltid l\u00f8nnsomt?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Refinansiering er ikke alltid l\u00f8nnsomt. Hvis du har en lav rente p\u00e5 ditt eksisterende l\u00e5n, kan det v\u00e6re at du ikke vil kunne f\u00e5 en bedre rente gjennom refinansiering. I tillegg kan det v\u00e6re gebyrer forbundet med refinansiering, som kan gj\u00f8re at det ikke l\u00f8nner seg \u00e5 refinansiere selv om du kan f\u00e5 en bedre rente. Det er derfor viktig \u00e5 vurdere om refinansiering vil v\u00e6re l\u00f8nnsomt for deg, basert p\u00e5 dine \u00f8konomiske m\u00e5l og situasjon. Dette hjelper vi deg med \u00e5 regne p\u00e5.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690252775\",\"position\":6,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690252775\",\"name\":\"\u00a06. Kan jeg refinansiere et usikret l\u00e5n?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, du kan refinansiere et usikret l\u00e5n, som for eksempel et kredittkortgjeld eller et forbruksl\u00e5n. Det er imidlertid verdt \u00e5 merke seg at usikrede l\u00e5n vanligvis har h\u00f8yere rentesatser enn sikrede l\u00e5n. Her kan du ogs\u00e5 lese mer om refinansiering av l\u00e5n uten sikkerhet ved \u00e5\u00a0<a href=\\\"https:\\\/\\\/www.eiendomsfinans.no\\\/produkter\\\/samle-smalan\\\/\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">samle sm\u00e5l\u00e5n<\\\/a><br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690268675\",\"position\":7,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690268675\",\"name\":\"\u00a07. Kan jeg refinansiere et l\u00e5n med en kort nedbetalingstid?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, det er mulig \u00e5 refinansiere et l\u00e5n med en kort nedbetalingstid, men det kan v\u00e6re at du ikke vil kunne f\u00e5 en s\u00e5 god rente p\u00e5 et slikt l\u00e5n. Dette skyldes at l\u00e5ngivere vanligvis krever at l\u00e5ntakere har en lenger nedbetalingstid for \u00e5 redusere risikoen for at l\u00e5ntakeren ikke vil kunne betale tilbake l\u00e5net.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690283168\",\"position\":8,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690283168\",\"name\":\"\u00a08. Kan jeg refinansiere et boligl\u00e5n?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, du kan refinansiere et boligl\u00e5n. M\u00e5let med refinansiering av et boligl\u00e5n kan v\u00e6re \u00e5 f\u00e5 en lavere rente, en kortere nedbetalingstid eller \u00e5 f\u00e5 en annen type l\u00e5n, som for eksempel et fastrentel\u00e5n, avdragsfritt l\u00e5n eller boligkreditt. Her kan du lese mer om\u00a0<a href=\\\"https:\\\/\\\/www.eiendomsfinans.no\\\/produkter\\\/refinansiere-boliglan\\\/\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">refinansiering av boligl\u00e5n.<\\\/a><br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690307254\",\"position\":9,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690307254\",\"name\":\"\u00a09. Hva skjer med restgjelden n\u00e5r jeg refinansierer?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"N\u00e5r du refinansierer, betaler du den eksisterende gjelden med pengene du l\u00e5ner gjennom refinansieringen. Om du velger \u00e5 refinansiere all gjeld du har vil restgjelden derfor v\u00e6re null etter at refinansieringen er fullf\u00f8rt.<br\\\/><a href=\\\"javascript:void(0)\\\"><\\\/a>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690323458\",\"position\":10,\"url\":\"https:\\\/\\\/eiendomsfinans.no\\\/en\\\/what-is-refinancing\\\/#faq-question-1682690323458\",\"name\":\"\u00a010. Kan jeg refinansiere et l\u00e5n med en d\u00e5rlig kredittscore?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Det kan v\u00e6re vanskeligere \u00e5 refinansiere et l\u00e5n med en d\u00e5rlig kredittscore, men det er ikke umulig. Vi hjelper deg \u00e5 s\u00f8ke om refinansiering hos en l\u00e5ngiver som tilbyr l\u00e5n til personer med d\u00e5rlig kreditt, men du m\u00e5 forvente \u00e5 betale en h\u00f8yere rente enn hva som er vanlig. Det kan ogs\u00e5 v\u00e6re at du m\u00e5 ha en kausjonist for \u00e5 kunne refinansiere gjelden din.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What is refinancing? | eiendomsfinans.no","description":"What is refinancing? Read what it means to refinance and how you can get help to consolidate loans and reduce costs.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/","og_locale":"en_US","og_type":"article","og_title":"What is refinancing? | eiendomsfinans.no","og_description":"What is refinancing? Read what it means to refinance and how you can get help to consolidate loans and reduce costs.","og_url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/","article_publisher":"https:\/\/www.facebook.com\/eiendomsfinans.no","article_modified_time":"2025-02-11T11:10:48+00:00","og_image":[{"url":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg","type":"","width":"","height":""}],"twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/","url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/","name":"What is refinancing? | eiendomsfinans.no","isPartOf":{"@id":"https:\/\/eiendomsfinans.no\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#primaryimage"},"image":{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#primaryimage"},"thumbnailUrl":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg","datePublished":"2023-04-28T14:49:06+00:00","dateModified":"2025-02-11T11:10:48+00:00","description":"What is refinancing? Read what it means to refinance and how you can get help to consolidate loans and reduce costs.","mainEntity":[{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690162658"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690185969"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690203700"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690222752"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690238275"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690252775"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690268675"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690283168"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690307254"},{"@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690323458"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#primaryimage","url":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg","contentUrl":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/11\/epler-og-kaffekopp-1024x576.jpg"},{"@type":"WebSite","@id":"https:\/\/eiendomsfinans.no\/en\/#website","url":"https:\/\/eiendomsfinans.no\/en\/","name":"Eiendomsfinans","description":"","publisher":{"@id":"https:\/\/eiendomsfinans.no\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/eiendomsfinans.no\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/eiendomsfinans.no\/en\/#organization","name":"Eiendomsfinans Drift AS","alternateName":"Eiendomsfinans Drift AS","url":"https:\/\/eiendomsfinans.no\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/eiendomsfinans.no\/en\/#\/schema\/logo\/image\/","url":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/Eiendomsfinans-logo-350-x-70-px.jpg","contentUrl":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/Eiendomsfinans-logo-350-x-70-px.jpg","width":350,"height":72,"caption":"Eiendomsfinans Drift AS"},"image":{"@id":"https:\/\/eiendomsfinans.no\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/eiendomsfinans.no","https:\/\/www.instagram.com\/eiendomsfinans\/","https:\/\/www.linkedin.com\/company\/eiendomsfinans-as","https:\/\/www.youtube.com\/channel\/UCSzDlk6iPye65p08UE-ljgQ"],"description":"Eiendomsfinans is a financial agent company licensed to provide loans by the Financial Supervisory Authority of Norway. We obtain offers for mortgages and refinancing from several banks on behalf of the customer. ","email":"firmapost@eiendomsfinans.no","telephone":"32880000","legalName":"Eiendomsfinans Drift AS","foundingDate":"1993-09-01","vatID":"987214597","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690162658","position":1,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690162658","name":"\u00a01. Hva er refinansiering?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Refinansiering er prosessen med \u00e5 l\u00e5ne penger fra en ny kreditor for \u00e5 betale en eksisterende gjeld. M\u00e5let med refinansiering er ofte \u00e5 f\u00e5 en bedre rente eller en lavere m\u00e5nedlig betaling p\u00e5 gjelden.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690185969","position":2,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690185969","name":"\u00a02. Hvem kan refinansiere?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"De fleste mennesker kan refinansiere, s\u00e5 lenge de har god kreditt og en stabil inntekt. Det er imidlertid verdt \u00e5 merke seg at noen typer gjeld, som studiel\u00e5n, ikke kan refinansieres.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690203700","position":3,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690203700","name":"\u00a03. Hva b\u00f8r jeg vurdere f\u00f8r jeg refinansierer?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Det er viktig \u00e5 vurdere om refinansiering vil v\u00e6re l\u00f8nnsomt for deg, basert p\u00e5 dine \u00f8konomiske m\u00e5l og situasjon. Du b\u00f8r sammenligne renten p\u00e5 ditt eksisterende l\u00e5n med renten p\u00e5 et refinansieringsl\u00e5n, og vurdere om forskjellen i renten vil v\u00e6re stor nok til at det vil l\u00f8nne seg \u00e5 refinansiere. Du b\u00f8r ogs\u00e5 vurdere eventuelle gebyrer som kan v\u00e6re forbundet med refinansiering, og s\u00f8rge for at du har r\u00e5d til \u00e5 betale dem.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690222752","position":4,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690222752","name":"\u00a04. Hvordan s\u00f8ker jeg om \u00e5 refinansiere?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Du kan s\u00f8ke om \u00e5 refinansiere gjennom Eiendomsfinans via skjemaet \u00f8verst p\u00e5 siden. Du vil vanligvis m\u00e5tte levere informasjon om din \u00f8konomiske situasjon, inkludert inntekt, formue og eksisterende gjeld.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690238275","position":5,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690238275","name":"\u00a05. Er refinansiering alltid l\u00f8nnsomt?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Refinansiering er ikke alltid l\u00f8nnsomt. Hvis du har en lav rente p\u00e5 ditt eksisterende l\u00e5n, kan det v\u00e6re at du ikke vil kunne f\u00e5 en bedre rente gjennom refinansiering. I tillegg kan det v\u00e6re gebyrer forbundet med refinansiering, som kan gj\u00f8re at det ikke l\u00f8nner seg \u00e5 refinansiere selv om du kan f\u00e5 en bedre rente. Det er derfor viktig \u00e5 vurdere om refinansiering vil v\u00e6re l\u00f8nnsomt for deg, basert p\u00e5 dine \u00f8konomiske m\u00e5l og situasjon. Dette hjelper vi deg med \u00e5 regne p\u00e5.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690252775","position":6,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690252775","name":"\u00a06. Kan jeg refinansiere et usikret l\u00e5n?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ja, du kan refinansiere et usikret l\u00e5n, som for eksempel et kredittkortgjeld eller et forbruksl\u00e5n. Det er imidlertid verdt \u00e5 merke seg at usikrede l\u00e5n vanligvis har h\u00f8yere rentesatser enn sikrede l\u00e5n. Her kan du ogs\u00e5 lese mer om refinansiering av l\u00e5n uten sikkerhet ved \u00e5\u00a0<a href=\"https:\/\/www.eiendomsfinans.no\/produkter\/samle-smalan\/\" target=\"_blank\" rel=\"noreferrer noopener\">samle sm\u00e5l\u00e5n<\/a><br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690268675","position":7,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690268675","name":"\u00a07. Kan jeg refinansiere et l\u00e5n med en kort nedbetalingstid?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ja, det er mulig \u00e5 refinansiere et l\u00e5n med en kort nedbetalingstid, men det kan v\u00e6re at du ikke vil kunne f\u00e5 en s\u00e5 god rente p\u00e5 et slikt l\u00e5n. Dette skyldes at l\u00e5ngivere vanligvis krever at l\u00e5ntakere har en lenger nedbetalingstid for \u00e5 redusere risikoen for at l\u00e5ntakeren ikke vil kunne betale tilbake l\u00e5net.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690283168","position":8,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690283168","name":"\u00a08. Kan jeg refinansiere et boligl\u00e5n?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ja, du kan refinansiere et boligl\u00e5n. M\u00e5let med refinansiering av et boligl\u00e5n kan v\u00e6re \u00e5 f\u00e5 en lavere rente, en kortere nedbetalingstid eller \u00e5 f\u00e5 en annen type l\u00e5n, som for eksempel et fastrentel\u00e5n, avdragsfritt l\u00e5n eller boligkreditt. Her kan du lese mer om\u00a0<a href=\"https:\/\/www.eiendomsfinans.no\/produkter\/refinansiere-boliglan\/\" target=\"_blank\" rel=\"noreferrer noopener\">refinansiering av boligl\u00e5n.<\/a><br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690307254","position":9,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690307254","name":"\u00a09. Hva skjer med restgjelden n\u00e5r jeg refinansierer?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"N\u00e5r du refinansierer, betaler du den eksisterende gjelden med pengene du l\u00e5ner gjennom refinansieringen. Om du velger \u00e5 refinansiere all gjeld du har vil restgjelden derfor v\u00e6re null etter at refinansieringen er fullf\u00f8rt.<br\/><a href=\"javascript:void(0)\"><\/a>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690323458","position":10,"url":"https:\/\/eiendomsfinans.no\/en\/what-is-refinancing\/#faq-question-1682690323458","name":"\u00a010. Kan jeg refinansiere et l\u00e5n med en d\u00e5rlig kredittscore?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Det kan v\u00e6re vanskeligere \u00e5 refinansiere et l\u00e5n med en d\u00e5rlig kredittscore, men det er ikke umulig. Vi hjelper deg \u00e5 s\u00f8ke om refinansiering hos en l\u00e5ngiver som tilbyr l\u00e5n til personer med d\u00e5rlig kreditt, men du m\u00e5 forvente \u00e5 betale en h\u00f8yere rente enn hva som er vanlig. Det kan ogs\u00e5 v\u00e6re at du m\u00e5 ha en kausjonist for \u00e5 kunne refinansiere gjelden din.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"eiendoms-admin","author_link":"https:\/\/eiendomsfinans.no\/en\/author\/eiendoms-admin\/"},"rttpg_comment":0,"rttpg_category":false,"rttpg_excerpt":"What is refinancing? Refinancing can be done in several ways: Apply for refinancing here: What is refinancing? Refinancing is the process of getting a new loan to pay off existing loans. This can be done in your existing bank or by checking offers from other banks. Refinancing can be a good option if you want&hellip;","_links":{"self":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/pages\/10021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/comments?post=10021"}],"version-history":[{"count":0,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/pages\/10021\/revisions"}],"wp:attachment":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/media?parent=10021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/categories?post=10021"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/tags?post=10021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}