{"id":10100,"date":"2023-03-07T12:27:36","date_gmt":"2023-03-07T12:27:36","guid":{"rendered":"https:\/\/eiendomsfinans.no\/bsu\/"},"modified":"2025-12-08T09:49:47","modified_gmt":"2025-12-08T09:49:47","slug":"bsu","status":"publish","type":"post","link":"https:\/\/eiendomsfinans.no\/en\/articles\/bsu\/","title":{"rendered":"BSU"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10100\" class=\"elementor elementor-10100 elementor-3982\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2aa04ee1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"2aa04ee1\" 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-acb28f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"acb28f\" 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-56ec1000 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"56ec1000\" 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-52df76ce elementor-widget elementor-widget-image\" data-id=\"52df76ce\" 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=\"800\" height=\"408\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/par-titter-opp-e1646402170376.jpg\" class=\"attachment-large size-large wp-image-9497\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/par-titter-opp-e1646402170376.jpg 800w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/par-titter-opp-e1646402170376-300x153.jpg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/par-titter-opp-e1646402170376-768x392.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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-1536dfa7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1536dfa7\" 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-77fe59a8 elementor-widget elementor-widget-heading\" data-id=\"77fe59a8\" 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\">BSU - home savings for young people<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-125e0365 elementor-widget elementor-widget-text-editor\" data-id=\"125e0365\" 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>In this article, we consider the main conditions for the BSU scheme and highlight current changes that came in 2021 and which still apply.<\/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-7ed22ee4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7ed22ee4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71a0f662 elementor-widget elementor-widget-heading\" data-id=\"71a0f662\" 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\">March 7, 2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bce5e79 elementor-widget elementor-widget-image\" data-id=\"7bce5e79\" 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-53f7cdc8 elementor-widget elementor-widget-heading\" data-id=\"53f7cdc8\" 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-65ca0442 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"65ca0442\" 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-932f2a0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"932f2a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20849dc elementor-widget elementor-widget-heading\" data-id=\"20849dc\" 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\">Who can save in BSU?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59e474cd elementor-widget elementor-widget-text-editor\" data-id=\"59e474cd\" 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>Housing savings for young people, or BSU, was already introduced in 1992 when Section 16-10 of the Tax Act came into force. The scheme is best known for providing favorable tax deductions when saving for housing. The scheme has seen a number of changes in recent years. In this article, we consider the main conditions for the BSU scheme and highlight current changes that came in 2021 and which still apply.<\/p><p>The purpose of the BSU scheme is to help &#8220;young people&#8221; enter the housing market. According to the scheme, you are a youth up to and including the year you turn 33.<\/p><p>It will not be possible to continue saving from the year you turn 34. However, the BSU account will not automatically be closed, and some banks offer an extended period with a favorable interest rate. When you lose the favorable interest rate, it can be profitable to look at alternative savings methods that give better returns in the long term.<\/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-60e2a373 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"60e2a373\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1699ee9a elementor-widget elementor-widget-text-editor\" data-id=\"1699ee9a\" 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>There is otherwise no lower age limit for using the BSU scheme, but you cannot take advantage of the tax deduction until you have taxable income. Due to the rules on joint taxation with parents, there is no taxable income until the age of 17 at the earliest.<br>The BSU scheme operates on the principle that &#8220;the table catches&#8221;. It is only possible to create one account per person, and it is not possible to create a new BSU account once the previous account has been settled. However, it is possible to move a BSU account from one bank to another.<\/p>\n<p><br><strong>Note:<\/strong> The money you deposit is not tied to the BSU account until the end of the year (31.12). You can therefore choose to withdraw money before 31. 12 the same year they were installed.<\/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-e648f99 elementor-widget elementor-widget-button\" data-id=\"e648f99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/eiendomsfinans.no\/en\/lan-en\/housing-estate\/first-home-loan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read about First Home Loans here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56221f93 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"56221f93\" 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-36fda88a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"36fda88a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27b45148 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"27b45148\" 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=\"768\" height=\"467\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/02\/Eiendomsfinans_om_oss_08-768x467-1.jpg\" class=\"attachment-large size-large wp-image-9438\" alt=\"Said Salimi and Bj\u00f8rn Bergene discuss mortgages\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/02\/Eiendomsfinans_om_oss_08-768x467-1.jpg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/02\/Eiendomsfinans_om_oss_08-768x467-1-300x182.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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<div class=\"elementor-element elementor-element-542373e0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"542373e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c7f6ac elementor-widget elementor-widget-heading\" data-id=\"4c7f6ac\" 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\">Increase in annual savings amount BSU from 2021<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c5ad55 elementor-widget elementor-widget-text-editor\" data-id=\"3c5ad55\" 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>In 2021, the savings amount was increased from NOK 25,000 to NOK 27,500.<\/p><ul class=\"KsbFXc U6u95\"><li data-hveid=\"CAEIABAJ\"><span class=\"T286Pc\" data-sfc-cp=\"\"><strong class=\"Yjhzub\">Annual savings amount:<\/strong> Max 27,500 kr.<\/span><\/li><li data-hveid=\"CAEIABAK\"><span class=\"T286Pc\" data-sfc-cp=\"\"><strong class=\"Yjhzub\">Total savings amount:<\/strong> Max 300,000 kr.<\/span><\/li><li data-hveid=\"CAEIABAL\"><span class=\"T286Pc\" data-sfc-cp=\"\"><strong class=\"Yjhzub\">Tax deduction:<\/strong> 10% of the annual deposit (max. SEK 2,750)<\/span><\/li><\/ul>\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-52432853 elementor-hidden-desktop elementor-widget elementor-widget-image\" data-id=\"52432853\" 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=\"768\" height=\"467\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/02\/Eiendomsfinans_om_oss_08-768x467-1.jpg\" class=\"attachment-large size-large wp-image-9438\" alt=\"Said Salimi and Bj\u00f8rn Bergene discuss mortgages\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/02\/Eiendomsfinans_om_oss_08-768x467-1.jpg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/02\/Eiendomsfinans_om_oss_08-768x467-1-300x182.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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-1be9b05d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1be9b05d\" 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-6021da3b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6021da3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2919d3 elementor-widget elementor-widget-heading\" data-id=\"e2919d3\" 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 permitted under the new scheme:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cde6a elementor-widget elementor-widget-text-editor\" data-id=\"9cde6a\" 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<ul>\n<li>Purchase of a new home for own use<\/li>\n<li>Land purchase<\/li>\n<li>Payment of interest and installments on loans on existing homes<\/li>\n<li>Acquisition of a garage. Given that the acquisition takes place 5 years after you acquire the home. The garage must belong to the home.  <\/li>\n<li>New from 2021: Renovation and maintenance of your own home<\/li>\n<\/ul>\n<p><strong>This falls outside the scheme:<\/strong><\/p>\n<ul>\n<li>Purchase of holiday home<\/li>\n<li>Purchase of second home<\/li>\n<li>Repayment of debt on properties other than your permanent home<\/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-3a343146 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3a343146\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53ada40a elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"53ada40a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"341\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-3.png\" class=\"attachment-large size-large wp-image-20141\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-3.png 480w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-3-300x213.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76e34a2 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"76e34a2\" 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-5d24850a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5d24850a\" 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-4488a0f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"4488a0f\" 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-1c95c930 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1c95c930\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e83bf2 elementor-widget elementor-widget-heading\" data-id=\"6e83bf2\" 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\">What about the interest rates?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf4509 elementor-widget elementor-widget-text-editor\" data-id=\"7cf4509\" 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>There are fairly favorable interest rates on BSU accounts as opposed to ordinary savings accounts.<br>In this regard, it is important to clarify that the interest earned during a year is not included in the calculation of the savings amount when calculating the right to a tax deduction. Interest is also not included when calculating the maximum savings amount of NOK 300,000.<br>Before the age of 34, interest can only be withdrawn when the savings amount is used for housing. After the age of 34, you can withdraw interest earned from the income year in which you turn 34. <\/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-acf30dd elementor-widget elementor-widget-heading\" data-id=\"acf30dd\" 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\">What can you use your BSU savings for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bba8ac6 elementor-widget elementor-widget-text-editor\" data-id=\"5bba8ac6\" 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 many may not be aware of is that breaching the terms of the BSU leads to demands for repayment of previously granted tax deductions. Partial breach, in the same way, gives a partial claim for repayment. It is therefore important to know what the BSU savings can be used for, so that you avoid breaking the terms.<\/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-4100a86a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"4100a86a\" 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-a1af472 elementor-widget elementor-widget-heading\" data-id=\"a1af472\" 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\">New from 2021 - no tax deduction if you already own a home<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26ff211c elementor-widget elementor-widget-text-editor\" data-id=\"26ff211c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Previously, it was possible to <a href=\"https:\/\/www.eiendomsfinans.no\/produkter\/nytt-boliglan\/\">buy a home<\/a> without simultaneously draining the BSU savings account. That way, you could buy a home and at the same time continue to benefit from the tax deductions through the BSU scheme.<\/p>\n<p><br>The purpose of the BSU scheme is to help young people enter the housing market. If you already own a home, you have already achieved the purpose of the scheme. The government therefore considered it necessary to limit the scheme so that users did not receive both in a bag and a sack.<\/p>\n<p><br>With effect from 1. of January 2021, only those who do not already own a home will receive a tax deduction under the BSU scheme. Full and partial ownership are equated here.<\/p>\n<p><br>For the future, it also means that you lose the right to tax deductions if you acquire property before 31 December in the income year. However, the good interest rates remain until the age of 34.<\/p>\n<p> <\/p>\n<p><strong>Note:<\/strong> Ownership as of 31.12 in the income year is decisive and cuts off the right to tax deductions. On the other hand, this means that you take up the right to tax deduction again in the year you sell the home and do not buy a new home at the same time before 31 December. Provided that the BSU account has not been used in the meantime.<\/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-66f871cd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"66f871cd\" 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-659c223d elementor-widget elementor-widget-heading\" data-id=\"659c223d\" 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-5888069e elementor-widget elementor-widget-text-editor\" data-id=\"5888069e\" 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-65c84073 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"65c84073\" 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\">Contact Us<\/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-62b6ac58 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"62b6ac58\" 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-2d584ec1 elementor-widget elementor-widget-heading\" data-id=\"2d584ec1\" 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-12360b6e 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=\"12360b6e\" 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-3984465139\"\n\t\t\t data-layout=\"grid-layout1\"\n\t\t\t data-grid-style=\"tpg-full-height\"\n\t\t\t data-sc-id=\"elementor\"\n\t\t\t data-el-settings=''\n\t\t\t data-el-query=''\n\t\t\t data-el-path=''\n\t\t>\n\t\t\t\t\t\t<div class='tpg-header-wrapper '>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div data-title=\"Loading ...\" class=\"rt-row rt-content-loader grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-29516 post type-post status-publish format-standard hentry category-bergen generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"29516\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-no-thumbnail\">\n\t\t\t\t\t<a data-id=\"29516\" href=\"https:\/\/eiendomsfinans.no\/en\/departments\/bergen\/stian-olsen-jacobsen\/\" class=\"tpg-post-link\" target=\"_self\">\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"29516\" href=\"https:\/\/eiendomsfinans.no\/en\/departments\/bergen\/stian-olsen-jacobsen\/\" class=\"tpg-post-link\" target=\"_self\">Stian Olsen Jakobsen<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tADVISORS Stian OlsenJakobsen Helping you find the right bank, free of charge. Eiendomsfinans works                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"29516\" href=\"https:\/\/eiendomsfinans.no\/en\/departments\/bergen\/stian-olsen-jacobsen\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-28861 post type-post status-publish format-standard has-post-thumbnail hentry category-articles generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"28861\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2026\/02\/Oslokontor-27-of-43-300x200.jpg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"200\"\n                             alt=\"How to refinance your mortgage\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">How to refinance your mortgage<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tHome page How do I refinance my mortgage? &#8211; complete guide Many people consider refinancing                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"28861\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/how-to-refinance-your-mortgage\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-27245 post type-post status-publish format-standard has-post-thumbnail hentry category-articles generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"27245\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"27245\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/11\/autorisert-raadgiver-kreditt-300x225.png\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"225\"\n                             alt=\"Picture of Knut Hagelien who has the distinction authorized advisor credit\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"27245\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" class=\"tpg-post-link\" target=\"_self\">Authorized advisor<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tRead why it pays to use an authorized advisor. Learn how FinAut ensures competence and ethics in the                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"27245\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/authorized-advisor\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10e2d3b elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"10e2d3b\" 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-3635a28 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"3635a28\" 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-6f660f5b elementor-widget elementor-widget-html\" data-id=\"6f660f5b\" 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-79e58fd8 elementor-widget elementor-widget-image\" data-id=\"79e58fd8\" 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>In this article, we consider the main conditions for the BSU scheme and highlight current changes that came in 2021 and which still apply. Who can save in BSU?&#8230;<\/p>\n","protected":false},"author":1,"featured_media":22387,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[166],"tags":[211],"class_list":["post-10100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-bsu-en","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 v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BSU | Who can save in BSU and what are the rules?<\/title>\n<meta name=\"description\" content=\"BSU annual savings are 27,500 - You get a 10% tax deduction on the money you deposit each year, maximum NOK 2,750\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/bsu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BSU | Who can save in BSU and what are the rules?\" \/>\n<meta property=\"og:description\" content=\"BSU annual savings are 27,500 - 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