{"id":10077,"date":"2023-05-15T15:49:33","date_gmt":"2023-05-15T15:49:33","guid":{"rendered":"https:\/\/eiendomsfinans.no\/the-lending-regulations\/"},"modified":"2025-07-14T13:41:42","modified_gmt":"2025-07-14T13:41:42","slug":"the-lending-regulations","status":"publish","type":"page","link":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/","title":{"rendered":"The lending regulations"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10077\" class=\"elementor elementor-10077 elementor-8508\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32524ddd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"32524ddd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-764cf15e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"764cf15e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d9badc2 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"5d9badc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f55731 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"7f55731\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/eiendomsfinans.no\/en\/\"><span class=\"hfe-breadcrumbs-text\">Home page<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f51e9c elementor-widget elementor-widget-image\" data-id=\"5f51e9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1-1024x768.jpeg\" class=\"attachment-large size-large wp-image-9833\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1-1024x768.jpeg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1-300x225.jpeg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1-768x576.jpeg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1.jpeg 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-485c1574 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"485c1574\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5814dc elementor-widget elementor-widget-heading\" data-id=\"4b5814dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The lending regulations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f8ace8 elementor-widget elementor-widget-text-editor\" data-id=\"78f8ace8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The latest lending regulations govern the banks&#8217; practices and options for granting a customer a loan.<\/strong><\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-291bd44 elementor-widget elementor-widget-text-editor\" data-id=\"291bd44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p id=\"h-her-kan-du-lese-mer-om-hva-som-er-nytt-og-hvordan-endringene-pavirker-deg-som-lanekunde-om-du-fikk-avslag-pa-din-lanesoknad-for-nyttar-bor-du-kanskje-soke-pa-nytt-na-kontakt-oss-for-gode-rad-rundt-dette\">Here you can read more about what&#8217;s new and how the changes affect you as a loan customer. If your loan application was rejected before the new year, you should perhaps apply again now. Contact us for good advice about this.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40f8a6a9 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"40f8a6a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71545191 elementor-widget elementor-widget-heading\" data-id=\"71545191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">July 14, 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47daf75b elementor-widget elementor-widget-image\" data-id=\"47daf75b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/b998b8dcae5b1421d3025c1b83cca7d212760a80f9432b620a47b8440a4ceff2?s=96&#038;d=mm&#038;r=g\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c441d09 elementor-widget elementor-widget-heading\" data-id=\"4c441d09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">eiendoms-admin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ef364e1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"3ef364e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6a273306 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"6a273306\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdcc04f elementor-widget elementor-widget-heading\" data-id=\"fdcc04f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The new lending regulations apply from 31. December 2024.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71ef9966 elementor-widget elementor-widget-text-editor\" data-id=\"71ef9966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Ministry of Finance has set a framework for how banks can lend money. This is important to ensure a more sustainable debt situation for most people. The lending practice for<span style=\"text-decoration: underline;\"><strong> <a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/mortgage\/\">mortgages<\/a><\/strong><\/span> has been governed by regulations since 2015, but in recent years there have been some changes that are worth noting. From 1. July 2023, the regulation was extended to also apply to loans secured by collateral other than housing, such as <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/eiendomsfinans.no\/en\/other-lan\/boat-loan\/\">boat loans <\/a><\/span><\/strong> and<span style=\"text-decoration: underline;\"><strong> <a href=\"https:\/\/eiendomsfinans.no\/en\/car-loan\/\">car loans<\/a>.<\/strong><\/span><\/p>\n<p><\/p>\n<p>House prices have increased a lot in recent years and so has household debt. This is the reason why in 2015 the Ministry of Finance made a regulation regulating lending practices for mortgages. Since then, the Mortgage Regulations have been further developed and amended several times. The consumer loan regulations were established in 2019, where it was decided that the maximum maturity of new <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/eiendomsfinans.no\/en\/new-consumer-loan\/\">consumer loans<\/a> <\/strong><\/span>should be 5 years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-409f1d00 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"409f1d00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f568f3 elementor-widget elementor-widget-heading\" data-id=\"7f568f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Among other things, the regulation sets requirements for:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35ba2ede elementor-widget elementor-widget-text-editor\" data-id=\"35ba2ede\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div>\n<div>\n<ul>\n<li>The customer&#8217;s serviceability, how much does the customer have left over to pay the loan after other fixed costs have been paid?<\/li>\n\n<li>Debt ratio: How much debt does the customer have in relation to income?<\/li>\n\n<li>Loan-to-value ratio: How large is the loan in relation to the home&#8217;s value?<\/li>\n\n<li>Requirement to pay installments on mortgages with a loan-to-value ratio of over 60% and all consumer loans<\/li>\n<\/ul>\n\n<p>For those of you who want to buy a rental property in Oslo, the new lending regulations will benefit you. You can now borrow up to 90% of the value of a second home in Oslo, compared with 60% previously.<\/p>\n<\/div>\n<\/div>\n<p><\/p>\n<div aria-hidden=\"true\"> <\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-349daed e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"349daed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6904a9c elementor-widget elementor-widget-heading\" data-id=\"6904a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Requirements in the Lending Regulations:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7291deb e-grid e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"7291deb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08894e3 elementor-widget elementor-widget-text-editor\" data-id=\"08894e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mortgage<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7696d39 elementor-widget elementor-widget-text-editor\" data-id=\"7696d39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Consumer loans<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa3fdb0 elementor-widget elementor-widget-text-editor\" data-id=\"fa3fdb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Other mortgages<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5aa2f elementor-widget elementor-widget-text-editor\" data-id=\"4b5aa2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Maximum loan-to-value ratio, repayment loan<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2142f62 elementor-widget elementor-widget-text-editor\" data-id=\"2142f62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>90 percent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e85d2d0 elementor-widget elementor-widget-text-editor\" data-id=\"e85d2d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1abc11a elementor-widget elementor-widget-text-editor\" data-id=\"1abc11a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca12507 elementor-widget elementor-widget-text-editor\" data-id=\"ca12507\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Maximum loan-to-value ratio, credit facilities<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f934e elementor-widget elementor-widget-text-editor\" data-id=\"a6f934e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>60 percent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e35d9f elementor-widget elementor-widget-text-editor\" data-id=\"7e35d9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32d0ae7 elementor-widget elementor-widget-text-editor\" data-id=\"32d0ae7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd09e50 elementor-widget elementor-widget-text-editor\" data-id=\"cd09e50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Demand for installment payment<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22df43b elementor-widget elementor-widget-text-editor\" data-id=\"22df43b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Loans with a loan-to-value ratio above 60 percent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8dd2c4 elementor-widget elementor-widget-text-editor\" data-id=\"c8dd2c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All loans<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-967fd09 elementor-widget elementor-widget-text-editor\" data-id=\"967fd09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee1ca91 elementor-widget elementor-widget-text-editor\" data-id=\"ee1ca91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Maximum debt ratio<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0501a68 elementor-widget elementor-widget-text-editor\" data-id=\"0501a68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>500 percent (all debt combined)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abce448 elementor-widget elementor-widget-text-editor\" data-id=\"abce448\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dea8526 elementor-widget elementor-widget-text-editor\" data-id=\"dea8526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14b50cf elementor-widget elementor-widget-text-editor\" data-id=\"14b50cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Interest rate stress test when assessing serviceability<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebce793 elementor-widget elementor-widget-text-editor\" data-id=\"ebce793\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The higher of 7 percent interest and an interest rate increase of 3 percentage points on the customer&#8217;s total debt<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7085a3 elementor-widget elementor-widget-text-editor\" data-id=\"b7085a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ffa46e elementor-widget elementor-widget-text-editor\" data-id=\"2ffa46e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9593ac elementor-widget elementor-widget-text-editor\" data-id=\"f9593ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Flexibility quota<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6097036 elementor-widget elementor-widget-text-editor\" data-id=\"6097036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>10 percent<br>(8 percent in Oslo)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2364bf7 elementor-widget elementor-widget-text-editor\" data-id=\"2364bf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5 percent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92a8c8e elementor-widget elementor-widget-text-editor\" data-id=\"92a8c8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>10 percent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a18921a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"3a18921a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7dc0abaf e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"7dc0abaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdcd907 elementor-widget elementor-widget-heading\" data-id=\"cdcd907\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Secondary residence in Oslo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c483bb elementor-widget elementor-widget-text-editor\" data-id=\"5c483bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The previous requirement for the purchase of a secondary home was a maximum loan-to-value ratio of 60%. This has now been abolished and the general requirement of a maximum 90% loan-to-value ratio will also apply to loans for the purchase of a second or third home in Oslo.  <\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a03cf8 elementor-widget elementor-widget-button\" data-id=\"0a03cf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/housing-estate\/secondary-residence\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read about loans for second homes here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c74f0ca e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"2c74f0ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7591d212 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"7591d212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"341\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-3.png\" class=\"attachment-large size-large wp-image-20141\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-3.png 480w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-3-300x213.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5400bfe4 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"5400bfe4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bd2242b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4bd2242b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ae43ac e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"8ae43ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7faac5b6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"7faac5b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54a51311 elementor-widget elementor-widget-heading\" data-id=\"54a51311\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinancing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65752841 elementor-widget elementor-widget-text-editor\" data-id=\"65752841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p id=\"tocNode_7\">The regulation should not prevent the customer&#8217;s loan from being refinanced in the same bank or moved to a new bank. There are some conditions and for mortgages these are; <\/p>\n<ul>\n<li>\n<p>that the refinancing is not larger than the existing loan<\/p>\n<\/li>\n<li>\n<p>that it is the same property that the bank receives a mortgage on, or has a similar or lower loan-to-value ratio  <\/p>\n<\/li>\n<li>\n<p>has the same maturity as existing loans  <\/p>\n<\/li>\n<li>\n<p>have the same or stricter requirements for installment payments.<\/p>\n<\/li>\n<\/ul>\n<p>Existing mortgages can also be replaced with a loan secured on another property. The new loan cannot have a higher loan-to-value ratio than the existing loan and the size of the loan, term and installments must be the same. <br><br><\/p>\n<p>For consumer loans and mortgages other than home loans, the terms are:<\/p>\n<ul>\n<li>\n<p>the new loan is not higher than the existing loan  <\/p>\n<\/li>\n<li>\n<p>that the sum of interest, fees and other costs does not increase.<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50eb879e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"50eb879e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a83882e elementor-widget elementor-widget-text-editor\" data-id=\"5a83882e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-contrast-2-color has-text-color has-link-color\" style=\"font-size: 25px;\"><strong>More information about the biggest changes in the lending regulations:<\/strong><\/p>\n<p><\/p>\n<p><strong>The requirement for interest rate stress tests is changing:<\/strong><br>Previously, banks had to take into account an interest rate increase of 5 percentage points when assessing the customer&#8217;s ability to pay. They then used today&#8217;s floating interest rate and the plus of an extra 5 per cent as a starting point. The customer then had to be able to afford to pay this sum if the interest rate rose by 5 per cent more than the current interest rate. From 01. From January 2023, banks must add a stress interest rate of at least 3 per cent or a total interest rate of 7 per cent when assessing the customer&#8217;s serviceability. Many customers who, before the New Year, had their loan application rejected or received a lower financing certificate than they wanted, should apply again now.<\/p>\n<p><\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><strong>Current interest rate on the customer&#8217;s debt:<\/strong><\/td>\n<td><strong>Interest the bank must calculate:<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Higher than 4 percent<\/td>\n<td>Interest rate + 3 percentage points<\/td>\n<\/tr>\n<tr>\n<td>Less than 4 percent<\/td>\n<td>7 percentage points<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2969d201 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"2969d201\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dfba3d9 elementor-widget elementor-widget-heading\" data-id=\"7dfba3d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Free and quick case management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f450bdd elementor-widget elementor-widget-text-editor\" data-id=\"7f450bdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With us, you will be assigned a permanent advisor who will help you throughout. After<br>a pleasant conversation with you, we map your financial situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d42131 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2d42131\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/eiendomsfinans.no\/soknad\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply for a mortgage<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33269b8b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"33269b8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5de9a04c elementor-widget elementor-widget-heading\" data-id=\"5de9a04c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">This is what we can help you with<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65e63cda img_hover_animation_img_no_effect readmore-btn-only-text title_position_default title_hover_border_default title-default grid-hover-overlay-type-always tpg-el-box-border-enable tpg-border-bottom-disable elementor-widget elementor-widget-tpg-grid-layout\" data-id=\"65e63cda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tpg-grid-layout.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"rt-container-fluid rt-tpg-container tpg-el-main-wrapper clearfix grid-layout1-main \"\n\t\t\t id=\"rt-tpg-container-2691543990\"\n\t\t\t data-layout=\"grid-layout1\"\n\t\t\t data-grid-style=\"tpg-full-height\"\n\t\t\t data-sc-id=\"elementor\"\n\t\t\t data-el-settings=''\n\t\t\t data-el-query=''\n\t\t\t data-el-path=''\n\t\t>\n\t\t\t\t\t\t<div class='tpg-header-wrapper '>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div data-title=\"Loading ...\" class=\"rt-row rt-content-loader grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-29516 post type-post status-publish format-standard hentry category-bergen generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"29516\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-no-thumbnail\">\n\t\t\t\t\t<a data-id=\"29516\" href=\"https:\/\/eiendomsfinans.no\/en\/departments\/bergen\/stian-olsen-jacobsen\/\" class=\"tpg-post-link\" target=\"_self\">\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"29516\" href=\"https:\/\/eiendomsfinans.no\/en\/departments\/bergen\/stian-olsen-jacobsen\/\" class=\"tpg-post-link\" target=\"_self\">Stian Olsen Jakobsen<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tADVISORS Stian OlsenJakobsen Helping you find the right bank, free of charge. Eiendomsfinans works                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"29516\" href=\"https:\/\/eiendomsfinans.no\/en\/departments\/bergen\/stian-olsen-jacobsen\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-28861 post type-post status-publish format-standard has-post-thumbnail hentry category-articles generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"28861\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">                        <img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-300x200.jpg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"200\"\n                             alt=\"How to refinance your mortgage\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">How to refinance your mortgage<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tHome page How do I refinance my mortgage? &#8211; complete guide Many people consider refinancing                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-27245 post type-post status-publish format-standard has-post-thumbnail hentry category-articles generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"27245\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"27245\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/11\/autorisert-raadgiver-kreditt-300x225.png\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"225\"\n                             alt=\"Picture of Knut Hagelien who has the distinction authorized advisor credit\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"27245\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" class=\"tpg-post-link\" target=\"_self\">Authorized advisor<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tRead why it pays to use an authorized advisor. Learn how FinAut ensures competence and ethics in the                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"27245\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2b209a elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"e2b209a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-122472ad e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"122472ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a7a0b32 elementor-widget elementor-widget-html\" data-id=\"4a7a0b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src='https:\/\/online4.superoffice.com\/Cust30170\/CS\/scripts\/customer.fcgi?action=form&id=F-eC7gSjnU' defer><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d3686bc elementor-widget elementor-widget-image\" data-id=\"2d3686bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"341\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4.png\" class=\"attachment-full size-full wp-image-20147\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4.png 480w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4-300x213.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home page The lending regulations The latest lending regulations govern the banks&#8217; practices and options for granting a customer a loan. Here you can read more about what&#8217;s new and how the changes affect you as a loan customer. If your loan application was rejected before the new year, you should perhaps apply again now. &#8230; <a title=\"Authorized advisor\" class=\"read-more\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" aria-label=\"Read more about Authorized advisor\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-10077","page","type-page","status-publish","hentry","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"acf":{"superoffice_client":"","superoffice_token":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The lending regulations | which changes affect your loan options?<\/title>\n<meta name=\"description\" content=\"The lending regulations govern the banks&#039; practice and possibilities for granting a customer a loan. 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Here is the most important thing.","og_url":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/","article_publisher":"https:\/\/www.facebook.com\/eiendomsfinans.no","article_modified_time":"2025-07-14T13:41:42+00:00","og_image":[{"width":1536,"height":1152,"url":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1.jpeg","type":"image\/jpeg"}],"twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/","url":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/","name":"The lending regulations | which changes affect your loan options?","isPartOf":{"@id":"https:\/\/eiendomsfinans.no\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/#primaryimage"},"image":{"@id":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/#primaryimage"},"thumbnailUrl":"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/05\/husogparagraf-1536x1152-1-1024x768.jpeg","datePublished":"2023-05-15T15:49:33+00:00","dateModified":"2025-07-14T13:41:42+00:00","description":"The lending regulations govern the banks' practice and possibilities for granting a customer a loan. 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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"}}]}},"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":"Uncategorized","rttpg_excerpt":"Home page The lending regulations The latest lending regulations govern the banks&#8217; practices and options for granting a customer a loan. Here you can read more about what&#8217;s new and how the changes affect you as a loan customer. If your loan application was rejected before the new year, you should perhaps apply again now.&hellip;","_links":{"self":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/pages\/10077","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=10077"}],"version-history":[{"count":0,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/pages\/10077\/revisions"}],"wp:attachment":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/media?parent=10077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/categories?post=10077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/tags?post=10077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}