{"id":10818,"date":"2023-03-08T17:13:41","date_gmt":"2023-03-08T17:13:41","guid":{"rendered":"https:\/\/eiendomsfinans.no\/julianne-skovli-gasvaer\/"},"modified":"2025-09-10T11:31:57","modified_gmt":"2025-09-10T11:31:57","slug":"julianne-skovli-gasvaer","status":"publish","type":"page","link":"https:\/\/eiendomsfinans.no\/en\/departments\/administration\/julianne-skovli-gasvaer\/","title":{"rendered":"Julianne Skovli G\u00e5sv\u00e6r"},"content":{"rendered":"
\n
\n
\n\n

Refinancing <\/strong><\/h2>\n\n\n\n

– apply for loans in several banks<\/h2>\n\n\n
\n
\"Boy<\/figure>\n<\/div>\n\n\n

– Apply for refinancing in several banks– The service is free and non binding– Choose the loan with best conditions<\/strong><\/p>\n\n\n\n

<\/p>\n\n\n\n

By combining loans in a refinance, you can achieve a lower interest rate, reduced monthly expenses and get a better financial overview. With the help of Eiendomsfinans, we do the whole job for you. You submit your application and documentation once. We calculate and optimize your loan application against several banks. You then choose the offer that suits you best.<\/p>\n\n\n\n

\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div><\/div>\n\n
\n
\n\t\r\n\n\n<\/div><\/div>\n\n\n

<\/p>\n\n\n\n

Loan example mortgage:<\/strong> Loan 4 million eff. interest 5.93%, over 25 years. Cost: NOK 3,566,546. Total: NOK 7,566,546.<\/p>\n\n<\/div><\/div><\/div>\n<\/div>\n<\/div>

<\/svg><\/div><\/div><\/div>
\n

[trustindex data-widget-id=19774121212a434d272614fe9f9]<\/p>\n\n\n\n

<\/div>\n\n\n\n

Different forms of refinancing:<\/h2>\n\n<\/div><\/div>
\n
\n
\n
\n
\"Young<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing of mortgages<\/strong><\/h3>\n\n\n\n

Apply to refinance the mortgage<\/a><\/strong> to obtain better interest rates or borrowing on housing. We help you with the loan application and choice of bank.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"Hand<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing consumer debt<\/strong><\/strong><\/h3>\n\n\n\n

Combine several loans into one, or apply for better terms? You obtain a lower interest rate on the refinancing of consumer debt if you have security in real estate, but this is not a requirement. In any case, it is smart to consolidate expensive small loans and credit card debt into an unsecured refinancing loan<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"young<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing with payment note<\/strong><\/strong><\/h3>\n\n\n\n

Do you want to refinance a loan with a payment notice, or do you need help finding out who you owe money to? With us, you get help to clear up debts and delete comments. You must be able to offer a security on property you own, or with a guarantor to get refinancing with payment notes.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"mother<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing restart loan<\/strong><\/strong><\/strong><\/h3>\n\n\n\n

For restart loans<\/a><\/strong> , the bank accepts that you have payment notices or debt collection. You must be able to offer security in housing. The restart loan is used to pay off loans with notes and you can consolidate all debts into one loan.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"father<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing to a special loan<\/strong><\/strong><\/h3>\n\n\n\n

Special loan<\/strong><\/a> is a loan for you who cannot get a loan from a traditional bank. Some loan applicants have difficulties in getting a loan approved in traditional banks, even though their income should be good enough to get a loan approved. For example self-employed, non-traditional professions or more than 2 patrons.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"lady<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing expensive small loans<\/strong><\/strong><\/strong><\/h3>\n\n\n\n

Refinancing to collect expensive small loans makes a lot of sense. Only one bill and usually a much lower interest rate. We help you calculate how much you can save on this.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"man<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing credit card<\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>Credit card refinancing<\/a> gives you more benefits than just savings. You get a tidy overview of your bills, less expenses and better options with the banks if you want to apply for other loans. Refinancing a credit card can quickly give you a more spacious economy so that you can pay it off faster.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"mother,<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Mortgage refinancing<\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

Home loan refinancing – are you looking for better interest rates, or do you want to combine several small loans into your home loan? In any case, we will help you with a good solution.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"Said<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing to home equity credit line<\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

Boligkreditt is a nice and flexible solution, but what is the difference between this and an interest-free loan?<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"girl<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing debt collection<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>Refinancing debt collection is possible if you can provide security in a property you, or close family members, own. Together with you, we look at possible solutions.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"Filip<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing to stop forced sales<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>Get help to avoid forced sales<\/a> .<\/strong> There are several banks and several ways to solve financial challenges. We work with all the banks that offer debt refinancing with payment notices: Bank 2, Bluestep, Nordax, MyBank, Balansebank, Svea and Kraft Bank.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"man<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing without collateral<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>As a rule, it is financially smart to combine several small loans and credits into one loan. You can refinance loans without collateral if you have no payment marks.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"Said<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing calculator<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>Try our refinancing calculator. Add up all the loans you have today and calculate the monthly cost.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"Young<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Refinancing with security in housing<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>When you own a home, there are many banks and solutions for refinancing with security in the home. We are happy to help you choose a bank and product.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n
\n
\n
\"Camilla<\/figure>\n<\/div>\n<\/div><\/div><\/div>\n\n
\n\n

Help with debt refinancing<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n

<\/a><\/a><\/a><\/strong>Here you can read more about us at Eiendomsfinans and why you should use an adviser for help with debt refinancing.<\/p>\n\n\n

\n
\n\n
\n
APPLY NOW<\/a><\/div>\n<\/div>\n\n<\/div><\/div>\n\n
\n\nREAD MORE<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>
\n
\n\n

Frequently asked questions about refinancing<\/a> :<\/p>\n\n\n

\n\n
What is refinancing?<\/strong>

Refinancing is the process of borrowing money from a new creditor to pay off an existing debt. The goal of refinancing is often to get a better interest rate or a lower monthly payment on the debt.<\/p> <\/div>

Who can refinance?<\/strong>

Most people can refinance, as long as they have good credit and a stable income. However, it is worth noting that some types of debt, such as student loans, cannot be refinanced.<\/p> <\/div>

What should I consider before refinancing?<\/strong>

It is important to assess whether refinancing will be profitable for you, based on your financial goals and situation. You should compare the interest rate on your existing loan with the interest rate on a refinancing loan, and assess whether the difference in the interest rate will be large enough to make it worthwhile to refinance. You should also consider any fees that may be associated with refinancing and make sure you can afford them.<\/p> <\/div>

How do I apply for refinancing?<\/strong>

You can apply for refinancing through Eiendomsfinans via the form at the top of the page. You will usually need to provide information about your financial situation, including income, assets and existing debts.<\/p> <\/div>

Is refinancing always profitable?<\/strong>

Refinancing is not always profitable. If you have a low interest rate on your existing loan, you may not be able to get a better interest rate through refinancing. In addition, there may be fees associated with refinancing, which may make it not worthwhile to refinance even if you can get a better interest rate. It is therefore important to assess whether refinancing will be profitable for you, based on your financial goals and situation. We help you calculate this.<\/p> <\/div>

Can I refinance an unsecured loan?<\/strong>

Yes, you can refinance an unsecured loan, such as a credit card debt or a consumer loan. However, it is worth noting that unsecured loans usually have higher interest rates than secured loans. Here you can also read more about refinancing unsecured loans by collecting small loans.<\/a><\/strong><\/p> <\/div>

Can I refinance a loan with a short repayment period?<\/strong>

Yes, it is possible to refinance a loan with a short repayment period, but you may not be able to get such a good interest rate on such a loan. This is because lenders usually require borrowers to have a longer repayment period to reduce the risk that the borrower will not be able to repay the loan.<\/p> <\/div>

Can I refinance a mortgage?<\/strong>

Yes, you can refinance a mortgage. The aim of refinancing a home loan may be to get a lower interest rate, a shorter repayment period or to get a different type of loan, such as a fixed-rate loan, interest-free loan or home equity credit line<\/a><\/strong> . Here you can read more about mortgage refinancing<\/a><\/strong> .<\/p> <\/div>

What happens to the remaining debt when I refinance?<\/strong>

When you refinance, you pay off the existing debt with the money you borrow through the refinance. If you choose to refinance all the debt you have, the remaining debt will therefore be zero after the refinancing has been completed.<\/p> <\/div>

Can I refinance a loan with a bad credit score?<\/strong>

It may be more difficult to refinance a loan with a bad credit score, but it is not impossible. We help you apply for refinancing with a lender that offers loans to people with bad credit, but you must expect to pay a higher interest rate than usual. You may also need a guarantor to refinance your debt. Read more about restart loans here.<\/a><\/strong><\/p> <\/div> <\/div>\n\n<\/div>\n\n

\n\n\n