Belåningsgrad (loan-to-value, LTV)

Belåningsgrad is your loan divided by the home's value; in Norway an ordinary mortgage tops out at 90 percent.

Belaningsgrad (loan-to-value) is your loan as a share of the property’s value. A repayment loan may not exceed 90%, and a credit-line loan may not exceed 60%. Above 60% the bank must require amortisation of at least 2.5% of the loan per year.

Read more in the guide Can I afford it? Norwegian lending rules and how much you can borrow (2026) Calculate it yourself Monthly cost

Related terms

Egenkapital (equity / down payment) Gjeldsgrad (debt-to-income ratio) Utlånsforskriften (Norway's mortgage lending regulation) Finansieringsbevis (mortgage pre-approval / financing certificate) Totalpris (total price = asking price + your share of the joint debt)

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