{"id":10088,"date":"2023-09-09T12:34:20","date_gmt":"2023-09-09T12:34:20","guid":{"rendered":"https:\/\/eiendomsfinans.no\/annuity-loan-or-serial-loan\/"},"modified":"2026-07-07T10:06:33","modified_gmt":"2026-07-07T10:06:33","slug":"annuity-loan-or-serial-loan","status":"publish","type":"post","link":"https:\/\/eiendomsfinans.no\/en\/articles\/annuity-loan-or-serial-loan\/","title":{"rendered":"Annuity loan or serial loan?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10088\" class=\"elementor elementor-10088 elementor-4646\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-677345e6 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=\"677345e6\" 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-2c39a3f8 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=\"2c39a3f8\" 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-1a9c8836 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"1a9c8836\" 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-75be316d elementor-widget elementor-widget-image\" data-id=\"75be316d\" 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=\"613\" height=\"380\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/boliglan_mor_og_sonn_723x409-e1747059003550.webp\" class=\"attachment-large size-large wp-image-21734\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/boliglan_mor_og_sonn_723x409-e1747059003550.webp 613w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/05\/boliglan_mor_og_sonn_723x409-e1747059003550-300x186.webp 300w\" sizes=\"(max-width: 613px) 100vw, 613px\" \/>\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-5af0cb54 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=\"5af0cb54\" 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-52fbfaa0 elementor-widget elementor-widget-heading\" data-id=\"52fbfaa0\" 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\">Annuity loan or serial loan?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50e395fa elementor-widget elementor-widget-text-editor\" data-id=\"50e395fa\" 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>What&#8217;s actually best for you, and which type of loan should you choose?<\/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-49578ba1 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=\"49578ba1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7442f17c elementor-widget elementor-widget-heading\" data-id=\"7442f17c\" 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\">September 9, 2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237bd0eb elementor-widget elementor-widget-image\" data-id=\"237bd0eb\" 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-66d13d67 elementor-widget elementor-widget-heading\" data-id=\"66d13d67\" 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-ab47564 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=\"ab47564\" 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-62711592 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=\"62711592\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f810b5c elementor-widget elementor-widget-text-editor\" data-id=\"f810b5c\" 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>An annuity loan is the most common type of loan. With this type of loan, you pay the same monthly amount throughout the entire term of the loan, provided that the interest rate remains stable. The monthly payment consists of principal and interest. At the beginning, the principal portion is smaller, and the interest portion is larger. As the loan is paid down, the principal portion increases, and the interest portion decreases.    <\/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-94ea2a0 elementor-widget elementor-widget-text-editor\" data-id=\"94ea2a0\" 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>An <strong>annuity loan<\/strong> has equal monthly payments, which makes the product predictable. That\u2019s why it\u2019s a good fit if you value predictability and want a little more financial flexibility. An annuity loan is a good option for those buying their first home, renovating, or starting a family.  <\/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-03cadad elementor-widget elementor-widget-text-editor\" data-id=\"03cadad\" 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>Alternatively, an annuity loan with a shorter term may be at least as advantageous as a serial loan. It may also be a good fit for you if you have future plans or are aware of upcoming changes in your financial situation, such as retiring before the loan is paid off. <\/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-16befbac 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=\"16befbac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46a50ac2 elementor-widget elementor-widget-text-editor\" data-id=\"46a50ac2\" 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>A <strong>step-down loan<\/strong> may be right for you if you\u2019re borrowing less than your borrowing capacity allows, because you can easily afford the payments. With a step-down loan, you pay off the loan with higher monthly payments at the beginning, but your payments will gradually decrease as the loan is paid down.<\/p>\n<p> <\/p>\n<p>The principal portion remains the same each month, but the interest portion decreases. As a result, the monthly payment to the bank gets smaller with each payment. If you can afford to maintain the large payments at the beginning of a serial loan, you\u2019ll pay less interest in total over 25 years than you would with an annuity loan of the same term.  <\/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-dc32709 elementor-widget elementor-widget-button\" data-id=\"dc32709\" 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\/refinancing\/\">\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\">Refinancing<\/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 class=\"elementor-element elementor-element-d98ea0a elementor-widget elementor-widget-button\" data-id=\"d98ea0a\" 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\/intermediate-financing\/\">\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\">Intermediate financing<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92330b1 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=\"92330b1\" 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-6f132373 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6f132373\" 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-7452322e 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=\"7452322e\" 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-165631f3 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=\"165631f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6525e2f elementor-widget elementor-widget-heading\" data-id=\"6525e2f\" 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\">Annuity loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a002bef elementor-widget elementor-widget-text-editor\" data-id=\"a002bef\" 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>Here is a visual illustration of an <strong>annuity loan<\/strong>, showing how each annual payment consists of a combination of <strong>interest<\/strong> and <strong>principal<\/strong> over time:<\/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-ce5e675 elementor-widget elementor-widget-image\" data-id=\"ce5e675\" 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=\"629\" height=\"377\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/annuitetslaan.webp\" class=\"attachment-large size-large wp-image-23289\" alt=\"Graph showing an annuity loan\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/annuitetslaan.webp 629w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/annuitetslaan-300x180.webp 300w\" sizes=\"(max-width: 629px) 100vw, 629px\" \/>\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-4f6e7539 elementor-widget elementor-widget-text-editor\" data-id=\"4f6e7539\" 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>Explanation:<br><br><\/strong><\/p>\n<ul>\n<li><strong>Total annual payment<\/strong> (blue line): This amount remains constant throughout the term of the loan.<\/li>\n<li><strong>Interest portion<\/strong> (orange line): Starts high because interest is calculated based on the entire loan amount, but decreases as the debt is paid down.<\/li>\n<\/ul>\n<p><strong>Amortization<\/strong> Rate (green<\/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-bc67535 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=\"bc67535\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f21f040 elementor-widget elementor-widget-heading\" data-id=\"f21f040\" 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\">Serial loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b25530f elementor-widget elementor-widget-text-editor\" data-id=\"b25530f\" 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>Here is a visual illustration of an <strong>installment loan<\/strong>, showing how the payments change over time:<\/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-d766e5 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"d766e5\" 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=\"629\" height=\"377\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/serielan.webp\" class=\"attachment-large size-large wp-image-23291\" alt=\"Graf som viser seriel\u00e5n\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/serielan.webp 629w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/serielan-300x180.webp 300w\" sizes=\"(max-width: 629px) 100vw, 629px\" \/>\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-aa4baa6 elementor-widget elementor-widget-text-editor\" data-id=\"aa4baa6\" 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>Explanation:<\/strong><\/p>\n<ul>\n<li><strong>Total payment<\/strong> (blue line): Starts high and gradually decreases, because interest is calculated based on an ever-decreasing outstanding balance.<\/li>\n<li><strong>Interest portion<\/strong> (orange line): Decreases steadily as the loan is paid off.<\/li>\n<li><strong>Amortization rate<\/strong> (green line): Remains constant each year, which is typical for serial loans.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f684fe9 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=\"6f684fe9\" 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-85039d elementor-widget elementor-widget-heading\" data-id=\"85039d\" 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-571b3d2d elementor-widget elementor-widget-text-editor\" data-id=\"571b3d2d\" 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-1a4e1853 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1a4e1853\" 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-6fd837d8 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=\"6fd837d8\" 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-50b28464 elementor-widget elementor-widget-heading\" data-id=\"50b28464\" 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-7488c443 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=\"7488c443\" 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-3274697297\"\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-18902 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-equity-mortgage generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"18902\">\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=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-mortgage\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1108\" height=\"768\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla.jpg 1108w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-300x208.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-1024x710.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-768x532.jpg 768w\" sizes=\"auto, (max-width: 1108px) 100vw, 1108px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">Equity 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\tHow much equity do you need to buy a home? Do you have to have everything in an account, or are                         <\/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=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-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<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-14535 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-freedom-of-installments generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"14535\">\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=\"14535\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/freedom-of-installments\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/12\/EFwallpaper_kaffe.jpg\" class=\"rt-img-responsive wp-post-image\" alt=\"open laptop with the logo of eiendomsfinans and a coffee mug\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/12\/EFwallpaper_kaffe.jpg 1920w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/12\/EFwallpaper_kaffe-300x169.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/12\/EFwallpaper_kaffe-1024x576.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/12\/EFwallpaper_kaffe-768x432.jpg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/12\/EFwallpaper_kaffe-1536x864.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"14535\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/freedom-of-installments\/\" class=\"tpg-post-link\" target=\"_self\">Deferral of payments<\/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\tWhat does an interest-only period mean? Here\u2019s a guide for those who aren\u2019t very familiar with the                         <\/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=\"14535\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/freedom-of-installments\/\" 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-10174 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-the-snowball-method generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10174\">\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=\"10174\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/try-the-snowball-method-of-paying-off-debt\/\" class=\"tpg-post-link\" target=\"_self\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"960\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg\" class=\"rt-img-responsive wp-post-image\" alt=\"A girl is crouching in a park and throwing a snowball\" loading=\"lazy\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg 1920w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-300x150.jpeg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1024x512.jpeg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-768x384.jpeg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1536x768.jpeg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/a><\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10174\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/try-the-snowball-method-of-paying-off-debt\/\" class=\"tpg-post-link\" target=\"_self\">Try the snowball method for paying off debt<\/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\tThe snowball method is a way of paying off debt that turns out to be both faster and more motivating.                        <\/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=\"10174\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/try-the-snowball-method-of-paying-off-debt\/\" 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-6ef19618 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=\"6ef19618\" 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-9717c9f 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=\"9717c9f\" 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-65f3ef82 elementor-widget elementor-widget-html\" data-id=\"65f3ef82\" 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-780d0a74 elementor-widget elementor-widget-image\" data-id=\"780d0a74\" 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>Annuity loans or serial loans\u2014which is best for you, and what\u2019s the main difference?<\/p>\n","protected":false},"author":1,"featured_media":9608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[166],"tags":[167],"class_list":["post-10088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-annuity-loan-or-serial-loan","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 v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Annuity Loan or Serial Loan? | Real Estate Finance<\/title>\n<meta name=\"description\" content=\"Annuity Loan or Serial Loan\u2014Which Should You Choose? 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