Finansieringsbevis (mortgage pre-approval / financing certificate)

A finansieringsbevis is your bank's written confirmation of how much you can borrow, typically up to 90 % of the home's value.

A finansieringsbevis is the bank’s written confirmation of how much you can borrow, valid for a set period. Get it before you start bidding, because a bid is binding and you should not bid above what the bank has approved. It reflects utlansforskriften: at most five times income and 90% loan-to-value.

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

Related terms

Egenkapital (equity / down payment) Belåningsgrad (loan-to-value, LTV) Gjeldsgrad (debt-to-income ratio) Utlånsforskriften (Norway's mortgage lending regulation) Bindende bud (binding bid) Budrunde (bidding round)

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