{"id":10096,"date":"2023-03-07T12:16:00","date_gmt":"2023-03-07T12:16:00","guid":{"rendered":"https:\/\/eiendomsfinans.no\/how-much-can-i-get-in-a-mortgage\/"},"modified":"2025-12-08T10:04:15","modified_gmt":"2025-12-08T10:04:15","slug":"how-much-can-i-get-in-a-mortgage","status":"publish","type":"post","link":"https:\/\/eiendomsfinans.no\/en\/articles\/how-much-can-i-get-in-a-mortgage\/","title":{"rendered":"How much can I get in a mortgage?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10096\" class=\"elementor elementor-10096 elementor-3947\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-515decc8 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"515decc8\" 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-36804feb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"36804feb\" 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-1a7a2dec elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"1a7a2dec\" 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-48391b18 elementor-widget elementor-widget-image\" data-id=\"48391b18\" 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=\"585\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/jentemedpc268k-e1644927357732-1024x585.jpg\" class=\"attachment-large size-large wp-image-9491\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/jentemedpc268k-e1644927357732-1024x585.jpg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/jentemedpc268k-e1644927357732-300x171.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/jentemedpc268k-e1644927357732-768x439.jpg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/jentemedpc268k-e1644927357732.jpg 1280w\" 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-c01a826 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"c01a826\" 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-2a471392 elementor-widget elementor-widget-heading\" data-id=\"2a471392\" 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\">How much can I <br>get in a mortgage?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1269e5f3 elementor-widget elementor-widget-text-editor\" data-id=\"1269e5f3\" 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=\"p1\">How much you can borrow is a complicated calculation with several factors. Here we give you more information about how much you can expect to get in mortgages<\/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-6a594575 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"6a594575\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38a896f elementor-widget elementor-widget-heading\" data-id=\"38a896f\" 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\">December 8, 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-385d5cec elementor-widget elementor-widget-image\" data-id=\"385d5cec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/b998b8dcae5b1421d3025c1b83cca7d212760a80f9432b620a47b8440a4ceff2?s=96&#038;d=mm&#038;r=g\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30fd5df7 elementor-widget elementor-widget-heading\" data-id=\"30fd5df7\" 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-27b684cd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"27b684cd\" 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-6d379f8c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"6d379f8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94abb7c elementor-widget elementor-widget-heading\" data-id=\"94abb7c\" 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\">How much can I get in a mortgage?\n<br>- that's a question many people wonder<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c40eec0 elementor-widget elementor-widget-text-editor\" data-id=\"c40eec0\" 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=\"p1\">How much you can get in mortgages or how much you can borrow in relation to your income depends on a number of things, but as a general rule, all banks apply the limits in the <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.regjeringen.no\/no\/tema\/okonomi-og-budsjett\/finansmarkedene\/utlansforskriften\/id2791101\/\"><span class=\"s1\">Lending Regulations.<\/span><\/a><\/span><\/p>\n<p> <\/p>\n<p class=\"p1\"><b>There are 2 particularly important elements here:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">The customer must not have more debt in total than a maximum of 5 times the annual gross income (if there are 2 or more people who are going to borrow together, the total income before tax applies)<\/li>\n<li class=\"li1\">The loan granted for the purchase of a home must not exceed 90% of the home&#8217;s purchase price or value.<\/li>\n<\/ul>\n<p class=\"p1\">How banks calculate a customer&#8217;s liquidity is quite different. It is important that you have a few thousand to spare each month, even with an interest rate that is 5% higher than today&#8217;s actual interest rate. This is called &#8220;stress interest&#8221;.<br><br><\/p>\n<p class=\"p1\"><b>Other things that come into play are:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Number of cars<\/li>\n<li class=\"li1\">Number of children under the age of 18<\/li>\n<li class=\"li1\">What type of other loans you have<\/li>\n<li class=\"li1\">How long you have been employed in your current job<\/li>\n<li class=\"li1\">How long you have lived in your current home<\/li>\n<li class=\"li1\">Education<\/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-4270ba0b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"4270ba0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7fca18 elementor-widget elementor-widget-heading\" data-id=\"c7fca18\" 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\">How much can I borrow?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bff0e5e elementor-widget elementor-widget-text-editor\" data-id=\"6bff0e5e\" 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=\"p1\">Many people wonder how much they can get in loans, and most often mortgages.<\/p>\n<p class=\"p1\">The simple answer that often comes up is that you can borrow up to 5 times your gross income. This is not necessarily true. Some customers with a high fixed salary can probably expect a maximum loan based on 5 times their gross income, but for the vast majority it is income minus costs that gives the answer to how much loan you are granted.<\/p>\n<p> <\/p>\n<p class=\"p1\">The banks do not base themselves on the current interest rate level, but must take into account a future interest rate level. They must be sure that the customer can tolerate a 3% higher interest rate than today&#8217;s floating interest rate. When the interest rate is on the way up, this surcharge the customer must bear rises in parallel. It will therefore be more difficult to get a loan.<\/p>\n<p> <\/p>\n<p class=\"p1\">Another thing many people forget is that how much you can borrow, i.e. this 5 times, includes <b>all<\/b> loans. Student loans, car loans, boat loans and consumer loans\/credit cards must be included in the calculation. For example, if he has NOK 650,000 in total debt excluding mortgages, this must be included in the calculation.<\/p>\n<p> <\/p>\n<p class=\"p1\">For example, if you have a credit card that has not been used, but has a credit limit of NOK 50,000, then the credit limit is also debt that must be included in the calculation.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3faacfa5 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"3faacfa5\" 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-33996196 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"33996196\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-023114a elementor-widget elementor-widget-heading\" data-id=\"023114a\" 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\">How much you can borrow is a complicated calculation with several factors.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-155e3edc elementor-widget elementor-widget-text-editor\" data-id=\"155e3edc\" 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=\"p1\">One factor is that you must satisfy the requirement for a total loan of a maximum of 5 times gross income.<\/p>\n<p class=\"p1\"><br>Another factor is that the banks cannot grant loans for the purchase of a home beyond 90% of the value of the home.<\/p>\n<p class=\"p1\"><br>A third factor is that you have the liquidity to pay for the loan even if the interest rate rises by 3%.<\/p>\n<p> <\/p>\n<p class=\"p1\">The banks have often incorporated these requirements into a calculation model that varies from bank to bank. The vast majority emphasize:<\/p>\n<ul>\n<li class=\"p1\">wage income<\/li>\n<li class=\"p1\">any rental income or other income <\/li>\n<li class=\"p1\">existing debt<\/li>\n<li class=\"p1\">new loan you are applying for<\/li>\n<li class=\"p1\">number of properties you own<\/li>\n<li class=\"p1\">how many people the household consists of<\/li>\n<li class=\"p1\">number of cars you have<\/li>\n<li class=\"p1\">how long you have been employed in your current job<\/li>\n<li class=\"p1\">how long you have lived in your current home<\/li>\n<li class=\"p1\">and a whole lot more.<\/li>\n<\/ul>\n<p class=\"p1\"><strong>In short,<\/strong> there&#8217;s no simple formula for what you can borrow, but we can make it easy for you as a customer;<\/p>\n<p> <\/p>\n<p class=\"p1\">You can contact us today and get an answer to this &#8211; completely free of charge.<\/p>\n<p class=\"p1\">We offer a personal advisor who knows which bank you are best suited to and who is familiar with the different banks&#8217; calculation models.  <strong>If you want to know exactly how much your income means you can borrow, contact us today!<\/strong><\/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-234f0393 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"234f0393\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24ec97d3 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"24ec97d3\" 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=\"689\" height=\"1024\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/Skjermbilde-2023-10-31-kl.-10.17.33-689x1024.png\" class=\"attachment-large size-large wp-image-12312\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/Skjermbilde-2023-10-31-kl.-10.17.33-689x1024.png 689w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/Skjermbilde-2023-10-31-kl.-10.17.33-202x300.png 202w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/Skjermbilde-2023-10-31-kl.-10.17.33-768x1142.png 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/Skjermbilde-2023-10-31-kl.-10.17.33-1033x1536.png 1033w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/Skjermbilde-2023-10-31-kl.-10.17.33.png 1118w\" sizes=\"(max-width: 689px) 100vw, 689px\" \/>\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-509a9eb0 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"509a9eb0\" 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-56707a80 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"56707a80\" 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-4512f312 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"4512f312\" 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-8eeba92 elementor-widget elementor-widget-text-editor\" data-id=\"8eeba92\" 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=\"p1\" style=\"text-align: center;\"><b>FAQ &#8211; frequently asked questions about loans<\/b><\/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-f784e73 elementor-widget elementor-widget-n-accordion\" data-id=\"f784e73\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2590\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2590\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What does liquidity mean? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2590\" class=\"elementor-element elementor-element-45b8c53a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"45b8c53a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce1643 elementor-widget elementor-widget-text-editor\" data-id=\"2ce1643\" 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=\"p1\">Liquidity is the same as the ability to pay for itself. Liquidity ratio says something about income in relation to expenses<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2591\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2591\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is stress rate? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2591\" class=\"elementor-element elementor-element-36faf8d2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"36faf8d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50e92414 elementor-widget elementor-widget-text-editor\" data-id=\"50e92414\" 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=\"p1\">The banks are required to check that the customer can withstand an interest rate increase of at least 3% (or a total interest rate of 7%) in order to be able to offer the loan. This means that if you apply for a loan that has an interest rate of 4% today, the bank must make sure that you are also able to pay off the loan every month even if the interest rate increases to 7%.<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2592\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2592\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What does debt ratio mean? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2592\" class=\"elementor-element elementor-element-3b42d973 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"3b42d973\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78b4fa96 elementor-widget elementor-widget-text-editor\" data-id=\"78b4fa96\" 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=\"p1\">Debt ratio is all the debt you have in total (including joint debt to housing associations) divided by gross income. The total debt must not be higher than five times gross annual income. This applies not only to mortgage debt <a href=\"https:\/\/eiendomsfinans.no\/en\/loan-en\/mortgage\/\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><b>mortgage<\/b><\/span><\/span><\/a>but also <span class=\"s1\"><b><a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/new-consumer-loan\/\"><span style=\"text-decoration: underline;\">consumer loans<\/span><\/a><\/b><\/span>, credit cards, student loans, <a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/car-loan\/\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><b>car loans<\/b><\/span><\/span><\/a> and the like.<br><br><\/p>\n<p class=\"p1\">If you earn NOK 450,000, you must not have debts that in total exceed NOK 2,250,000. If you have a car loan of NOK 150,000, you cannot borrow more than a maximum of NOK 2,100,000 in mortgages. If you are 2 people who earn 450,000 each, you can have a total debt of up to 4,500,000.<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2593\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2593\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does a mortgage cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2593\" class=\"elementor-element elementor-element-2bede6ce e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"2bede6ce\" 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-5976b3f1 elementor-widget elementor-widget-text-editor\" data-id=\"5976b3f1\" 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=\"p1\">It differs from bank to bank. There are also large differences in the banks&#8217; fees, which affects the effective interest rate. It does not help to have a slightly lower mortgage interest rate if the bank&#8217;s term fee and establishment fee are high. Hos <span style=\"text-decoration: underline;\"><strong>F<\/strong><a style=\"font-family: -apple-system, system-ui, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol';\" href=\"https:\/\/www.finansportalen.no\/bank\/boliglan\/\"><span class=\"s1\"><b>inansportalen<\/b><\/span><\/a><\/span><span style=\"font-family: -apple-system, system-ui, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol';\"> <\/span><span style=\"font-size: inherit; font-family: -apple-system, system-ui, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol';\">you can compare the banks&#8217; interest rates. The vast majority of banks offer the best interest rates to young home buyers under the age of 34.<\/span><\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2594\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2594\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Should I choose fixed interest? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2594\" class=\"elementor-element elementor-element-6b5235c0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"6b5235c0\" 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-2ae735cc elementor-widget elementor-widget-text-editor\" data-id=\"2ae735cc\" 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=\"p1\">You should choose a fixed interest rate if you are very worried about an interest rate rise. Few people manage to fool the bank by speculating on fixed interest rates, but we have also seen cases where it has been beneficial. The vast majority of loans are most affordable with floating interest rates over time, but sometimes it can be worth a few extra kroner to avoid financial worries.<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2595\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2595\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I borrow more if I have rental income? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2595\" class=\"elementor-element elementor-element-3db6ab7f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"3db6ab7f\" 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-368730df elementor-widget elementor-widget-text-editor\" data-id=\"368730df\" 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=\"p1\">Yes you can. Here there are some differences in how the different banks calculate how much more you can borrow due to rental income. Contact us and we will set up an example for you. For tax-free rental income, you can start from approx. 80 months&#8217; rental income in additional loans. If you have 7,000 per month. rental income, you can expect to be able to borrow approx. 560,000 extra. As I said, big variations &#8211; contact us for a concrete answer to your particular case.<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2596\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2596\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What must be the security to buy property number 2 in Oslo? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2596\" class=\"elementor-element elementor-element-35a9e3a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"35a9e3a\" 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-13eeb09 elementor-widget elementor-widget-text-editor\" data-id=\"13eeb09\" 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=\"p1\">This is called <a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/housing-estate\/secondary-residence\/\"><span style=\"text-decoration: underline;\">secondary residence<\/span><\/a>. Secondary housing in Oslo previously required 40% equity or 40% secured in another residential property, but this rule has been removed. The rules are now the same as for primary housing (the one you live in). Maximum 90% of the value in loans.  <\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2597\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2597\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much equity do I need to have to get a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2597\" class=\"elementor-element elementor-element-20eeacc e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"20eeacc\" 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-2de10d1 elementor-widget elementor-widget-text-editor\" data-id=\"2de10d1\" 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=\"p1\">The main rule is that you must have 10% equity + costs (read more about costs below). If you lack all or part of this sum in your own account, this can be replaced with security in the residence of, for example, parents or someone in the immediate family. This is called <a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/housing-estate\/mortgage-with-guarantor\/\"><span style=\"text-decoration: underline;\">encashment<\/span><\/a>.<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2598\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2598\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do student loans affect the application for a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2598\" class=\"elementor-element elementor-element-17d97ab e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"17d97ab\" 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-ccbaa44 elementor-widget elementor-widget-text-editor\" data-id=\"ccbaa44\" 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=\"p1\">The mortgage regulations state that a customer must not have more debt than 5 times their annual gross income. Student loans also take a part of this cake, but are still seen more leniently than, for example, car loans. Student loans are the cheapest loan you can get and can be canceled if you die. You also have the right to cancel interest and postpone payment in a number of cases. You can read more about this on NAV&#8217;s website: <a href=\"https:\/\/lanekassen.no\/nb-NO\/gjeld-og-betaling\/arbeidsledig-aap-syk-og-lav-inntekt\"><span class=\"s1\"><b>deletion of student loans<\/b><\/span><\/a><span class=\"s2\">.<\/span><\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2599\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2599\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much income do I have to have to get a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2599\" class=\"elementor-element elementor-element-d0b81dd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"d0b81dd\" 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-500ab05 elementor-widget elementor-widget-text-editor\" data-id=\"500ab05\" 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=\"p1\">Here there are differences from bank to bank, contact us and we will quickly calculate this for you. The main rule for all banks is that the customer should not have more total debt than a maximum of 5 times annual gross income, should be able to pay the loan even if the interest rate is 5 percent higher than the current interest rate and have 10 percent equity (or real guarantee).<\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-25910\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-25910\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is additional collateral mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-25910\" class=\"elementor-element elementor-element-73ae7d1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"73ae7d1\" 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-e102bea elementor-widget elementor-widget-text-editor\" data-id=\"e102bea\" 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=\"p1\">Additional security is when the bank is allowed to take a mortgage on a property in addition to the property you are buying. This is also called bailment. If you lack 15 percent equity, this can be used. Then the bank takes a mortgage (security) on the property you buy, but also gets security for 15-20 per cent in, for example, your parents&#8217; home. Those who own this property become <a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/housing-estate\/mortgage-with-guarantor\/\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><b>real estate developers<\/b><\/span>.<\/span><\/a><\/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\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-25911\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-25911\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a surety? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-25911\" class=\"elementor-element elementor-element-a8e6f23 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"a8e6f23\" 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-4702c80 elementor-widget elementor-widget-text-editor\" data-id=\"4702c80\" 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=\"p1\">If you do not have 10 percent equity, you can use a secured creditor. In this case, the bank receives a mortgage (security) in the property you buy, but also receives security for 10-15 percent in, for example, your parents&#8217; home.  Those who own that home become real estate sureties.  <a href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/housing-estate\/mortgage-with-guarantor\/\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><b>Please read more about bail here.<\/b><\/span><\/span><\/a><\/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\t\t\t<\/details>\n\t\t\t\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-76cb291c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"76cb291c\" 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-7f300746 elementor-widget elementor-widget-heading\" data-id=\"7f300746\" 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-14e36b3e elementor-widget elementor-widget-text-editor\" data-id=\"14e36b3e\" 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-2c4532f7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2c4532f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/eiendomsfinans.no\/soknad\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply for a mortgage<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fea0278 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"6fea0278\" 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-713660c0 elementor-widget elementor-widget-heading\" data-id=\"713660c0\" 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-128d8d6 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=\"128d8d6\" 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-1781189604\"\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-24773 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-co-borrower generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"24773\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"24773\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/co-borrower\/\" class=\"tpg-post-link\" target=\"_self\">                        <img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/medlantaker_header-300x198.jpg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"198\"\n                             alt=\"Co-borrower\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"24773\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/co-borrower\/\" class=\"tpg-post-link\" target=\"_self\">Co-borrower<\/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 is a co-borrower? If you take out a loan together with someone, this is called a co-borrower                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"24773\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/co-borrower\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-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\t\t\t\t\t<a data-id=\"18902\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/equity-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/12\/Tom-Kenneth_Andreas_Jonas_camilla-300x208.jpg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"208\"\n                             alt=\"Equity mortgage\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"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        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <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\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10160 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-pre-qualificationletter generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10160\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"10160\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/proof-of-financing\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/10\/header_finansieringsbevis-300x176.jpg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"176\"\n                             alt=\"Boy and girl standing with their backs turned looking at a house at sunset\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10160\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/proof-of-financing\/\" class=\"tpg-post-link\" target=\"_self\">Financing certificate<\/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\tAre you planning to sell your home? If so, it can be beneficial to carry out small and simple                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10160\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/proof-of-financing\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a913b4f elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"6a913b4f\" 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-e591979 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"e591979\" 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-2e0c27df elementor-widget elementor-widget-html\" data-id=\"2e0c27df\" 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-90fb384 elementor-widget elementor-widget-image\" data-id=\"90fb384\" 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>How much can you expect to be granted in mortgages? Here you can read about how the bank calculates your borrowing capacity <\/p>\n","protected":false},"author":1,"featured_media":9491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[166],"tags":[188],"class_list":["post-10096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-how-much-can-i-get-in-loans","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"acf":{"superoffice_client":"","superoffice_token":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How much can I get in a mortgage? |<\/title>\n<meta name=\"description\" content=\"How much you can borrow is a complicated calculation. 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Here you can read about how the bank calculates your borrowing capacity","_links":{"self":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/posts\/10096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/comments?post=10096"}],"version-history":[{"count":0,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/posts\/10096\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/media\/9491"}],"wp:attachment":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/media?parent=10096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/categories?post=10096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/tags?post=10096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}