Utlånsforskriften (Norway's mortgage lending regulation)

Utlånsforskriften is the rulebook banks must follow: at least 10% equity, loan up to 90% of the home's value, and total debt capped at 5x gross annual income.

Utlansforskriften is the regulation that sets how much you can borrow for a home in Norway. Your total debt may not exceed five times your gross annual income, the loan may not exceed 90% of the property value (so you need 10% equity), and the bank must check that you can service the loan at three percentage points above today’s rate, and at least 7%.

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) Finansieringsbevis (mortgage pre-approval / financing certificate) BSU (boligsparing for ungdom, young people's housing savings)

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