Green mortgage
A mortgage for individuals who own or are buying an energy-efficient home rated A or B.
Diese Finanzierungsmöglichkeit ist derzeit auf Englisch beschrieben.
MelhusBanken lends up to 90% of the purchase price or approved value of an A/B-rated home. You repay the borrowed money to the bank, with interest and fees.
The published nominal interest rate starts at 5.54%; the effective rate, which reflects borrowing costs including fees, starts at 5.79%. These are starting rates. The bank’s example is a NOK 2 million loan over 25 years, with borrowing costs of NOK 1,727,821 and total repayments of NOK 3,727,821.
The establishment fee is 0.25% of the loan, with a minimum of NOK 3,000 and maximum of NOK 7,500. There is a NOK 65 monthly fee and a NOK 1,200 fee for handling each item of security. Registration costs NOK 545. Minor loan changes cost nothing; simple changes cost NOK 500 and other loan changes NOK 750.
Repayments contain principal instalments, which reduce the loan balance, and interest. The bank explains that a serial loan has equal principal instalments, while an annuity loan has equal monthly payments with the balance between interest and principal changing as the loan is repaid.
Eligibility
- You must own or be buying a home with energy rating A or B.
- You must have your salary paid into an account with MelhusBanken. This requirement applies to all its mortgages.
- The amount you can borrow depends on your ability to repay. The bank assesses your income, other debt and family situation.
- Late-payment interest is listed at 11.75% and overdraft interest at 18%. Reminder and collection fees are NOK 38 and NOK 105 respectively.
How to apply
- Status
- Laufende Antragstellung
- Beschränkungen dieser Antragsrunde
- For owners or buyers of A/B-rated homes. Contact the named mortgage adviser to discuss a fresh application.[^c1][^c2][^c6]
Contact MelhusBanken’s mortgage adviser Ellen Eid Nørstrud at en@melhusbanken.no or +47 918 45 364 to discuss an application for an A/B-rated home. The green mortgage page invites applicants to book an adviser meeting and lists this contact route.