Startlån (municipal start-up loan)

Startlån is a loan from Husbanken that you apply for through your municipality. It is aimed at people who cannot borrow enough at an ordinary bank, often because they lack equity. There is no equity requirement and no fixed national income limit; the requirement is that you can service the loan over time, meaning your budget can carry interest and instalments even when rates rise. The municipality assesses each application individually. Contact the municipality where you want to live to check whether you fit the target group, and have your income and fixed costs ready before you apply.