{"id":10077,"date":"2023-05-15T15:49:33","date_gmt":"2023-05-15T15:49:33","guid":{"rendered":"https:\/\/eiendomsfinans.no\/the-lending-regulations\/"},"modified":"2026-07-07T09:36:43","modified_gmt":"2026-07-07T09:36:43","slug":"the-lending-regulations","status":"publish","type":"page","link":"https:\/\/eiendomsfinans.no\/en\/the-lending-regulations\/","title":{"rendered":"Regulations on Lending"},"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-column-slider-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-column-slider-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-column-slider-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-column-slider-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<h1 class=\"elementor-heading-title elementor-size-default\">Regulations on Lending<\/h1>\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 banks&#8217; practices and their ability to grant loans to customers.<\/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\u2019s new and how the changes affect you as a loan customer. If your loan application was denied before the New Year, you might want to reapply now. Contact us for advice on 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-column-slider-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 7, 2026<\/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&amp;d=mm&amp;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-column-slider-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-column-slider-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 take effect on December 31, 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 established guidelines for how banks can lend money. This is important for ensuring a more sustainable debt situation for most people. Lending practices for<span style=\"text-decoration: underline;\"><strong> <a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/mortgage\/\">mortgage loans<\/a><\/strong><\/span> have been regulated by law since 2015, but in recent years there have been some changes worth noting. As of July 1, 2023, the regulations were expanded to also apply to loans secured by collateral other than a home, such as <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/other-lan\/boat-loan\/\">boat loans <\/a><\/span><\/strong> and<span style=\"text-decoration: underline;\"><strong> car <a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/car-loan\/\">loans<\/a>.<\/strong><\/span>    <\/p>\n<p><\/p>\n<p>Housing prices have risen significantly in recent years, as has household debt. This is why the Ministry of Finance issued a regulation in 2015 governing mortgage lending practices. The Mortgage Lending Regulations have since been further developed and amended several times. The Consumer Loan Regulations were established in 2019, stipulating, among other things, that the maximum term for new <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/eiendomsfinans.no\/en\/loan-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-column-slider-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 ability to make payments: How much does the customer have left to pay toward the loan after other fixed expenses have been paid?<\/li>\n\n<li>Debt-to-Income Ratio: How much debt does the customer have relative to their income?<\/li>\n\n<li>Loan-to-Value Ratio: How large is the loan relative to the value of the home?<\/li>\n\n<li>Requirement to make principal and interest payments on mortgages with a loan-to-value ratio above 60% and all consumer loans<\/li>\n<\/ul>\n\n<p>If you&#8217;re looking to buy a rental property in Oslo, the new lending regulations will work in your favor. You can now borrow up to 90% of the value of a second home in Oslo, compared to the previous limit of 60%. <\/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-column-slider-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-column-slider-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>Home 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-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, amortizing 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 lines<\/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>Requirement for Payment in Installments<\/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-to-Asset 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 (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-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 in the Assessment of Debt Servicing Capacity<\/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 a 7 percent interest rate and a 3 percentage point increase in the interest rate 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-column-slider-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-column-slider-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\">Second home 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>Previously, the maximum loan-to-value ratio for the purchase of a second home was 60%. This requirement has now been repealed, and the general requirement of a maximum loan-to-value ratio of 90% 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\/loan-en\/housing-mortgage\/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-column-slider-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-column-slider-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-column-slider-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-column-slider-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 shall not prevent a customer&#8217;s loan from being refinanced at the same bank or transferred to a new bank. There are certain conditions, and for home loans, these are: <\/p>\n<ul>\n<li>\n<p>that the refinancing amount does not exceed the existing loan<\/p>\n<\/li>\n<li>\n<p>that it is the same property that the bank is taking as collateral, or that the loan-to-value ratio is the same or lower  <\/p>\n<\/li>\n<li>\n<p>has the same term as the existing loan  <\/p>\n<\/li>\n<li>\n<p>have the same or stricter requirements for installment payments.<\/p>\n<\/li>\n<\/ul>\n<p>An existing mortgage can also be replaced with a loan secured by another property. The new loan cannot have a higher loan-to-value ratio than the existing loan, and the loan amount, term, and repayment schedule must be the same. <br><br><\/p>\n<p>For consumer loans and secured loans other than mortgages, the terms are as follows:<\/p>\n<ul>\n<li>\n<p>the new loan is not larger than the existing loan  <\/p>\n<\/li>\n<li>\n<p>that the total amount 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-column-slider-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 major changes to the lending regulations:<\/strong><\/p>\n<p><\/p>\n<p><strong>The requirement for interest rate stress testing is changed:<\/strong><br\/> Previously, banks had to take into account an interest rate increase of 5 percentage points when assessing a customer&#8217;s ability to service their loan. They then took the current floating interest rate as a starting point and added an additional 5 percent. The customer then had to be able to afford to pay this amount if the interest rate rose by 5 percent more than the current interest rate. From January 1, 2023, banks must add a stress rate of at least 3 percent or a total rate of 7 percent when assessing the customer&#8217;s ability to service their loan. Many customers who experienced a rejection of their loan application or received a lower financing certificate than desired before the new year 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 rate 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-column-slider-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 fast 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 dedicated advisor who will help you every step of the way. After<br\/>a pleasant conversation with you, we map out 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\/en\/apply-page\/\">\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-column-slider-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-3167287687\"\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-30450 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-take-the-test generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"30450\">\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    <a data-id=\"30450\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/which-loan-is-right-for-you\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"750\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview_fb.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview_fb.jpg 1000w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview_fb-300x225.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview_fb-768x576.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"30450\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/which-loan-is-right-for-you\/\" class=\"tpg-post-link\" target=\"_self\">Which loan is right for you<\/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\tTake the quiz &#8211; Which type of loan is best for you? You could win a Dyson cordless vacuum                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"30450\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/which-loan-is-right-for-you\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/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-29924 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-take-the-test generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"29924\">\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    <a data-id=\"29924\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/elementor-29919\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"750\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview.jpg 1000w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview-300x225.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/06\/Dyson-preview-768x576.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"29924\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/elementor-29919\/\" class=\"tpg-post-link\" target=\"_self\">Which loan is right for you<\/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\tTake the quiz &#8211; Which type of loan is best for you? You could win a Dyson cordless vacuum                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"29924\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/elementor-29919\/\" class=\"tpg-post-link\" target=\"_self\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/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    <a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1703\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-scaled.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-scaled.jpg 2560w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-300x200.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-1024x681.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-768x511.jpg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-1536x1022.jpg 1536w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-2048x1363.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/a><\/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\t\t<div class=\"post-footer\">\n\t\t\t<div class=\"post-footer\">\n\t\t\t\t<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\">Read the article \u2192<\/a>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/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-column-slider-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-column-slider-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 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 Regulations on Lending The latest lending regulations govern banks&#8217; practices and their ability to grant loans to customers. Here you can read more about what\u2019s new and how the changes affect you as a loan customer. If your loan application was denied before the New Year, you might want to reapply now. Contact &#8230; <a title=\"How to refinance your mortgage\" class=\"read-more\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" aria-label=\"Read more about How to refinance your mortgage\">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 v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Regulations \u2013 Your Financing Options | Real Estate Finance<\/title>\n<meta name=\"description\" content=\"The Lending Regulations govern banks&#039; practices and how much you can borrow. 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