Norway Mortgage Calculator
Enter your property value, loan amount, interest rate, and term to get the monthly payment plus a check against Norway's 85% loan-to-value cap and 5x income debt limit.
Use the Norway Mortgage Calculator
Loan Details
Used with income to check the 5x debt-to-income limit.
Enter loan details to see the monthly payment and regulation check.
Monthly Payment
0 kr
interest + principal, annuity loan
Loan-to-Value
0%
Your Equity / Down Payment
0 kr
Total Interest Paid
0 kr
Stress-Test Payment
0 kr
| Year | Start Balance | Interest Paid | Principal Paid | End Balance |
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Summary
This calculator estimates a standard annuity mortgage payment in Norwegian kroner and checks it against Norway's residential lending regulation. It flags the loan-to-value ratio against the current 85% cap for instalment mortgages, compares total debt to 5 times gross annual income, and runs the affordability stress test at the higher of 7% interest or the entered rate plus 3 percentage points. The result includes an amortization schedule showing how the balance, interest, and principal change over the loan term.
How it works
- Enter the property value and the loan amount to establish the loan-to-value ratio.
- Enter the annual interest rate and the loan term in years.
- Optionally enter gross annual household income and other existing debt to check the 5x income limit.
- The current 85% loan-to-value cap for residential instalment mortgages is applied.
- The calculator computes the standard annuity monthly payment, then checks it against the loan-to-value cap, the income-based debt limit, and the stress-test rate.
- A full amortization schedule shows the balance, interest, and principal for each year of the term.
Use cases
- Checking whether a planned loan amount stays within the 85% loan-to-value cap for a residential instalment mortgage.
- Estimating the monthly annuity payment before applying for a boliglån.
- Verifying whether total debt exceeds 5 times gross annual household income.
- Testing the payment at the higher of 7% interest or the entered rate plus 3 percentage points.
- Comparing your planned equity with the minimum implied by the LTV cap.
- Planning a household budget around the estimated monthly interest and principal cost.