Customers rate us excellent!
Special loan for
own "home"
in Norway
21 954 455
Ask about a loan
Effektiv rente i henhold til Forbrukerombudets retningslinjer for markedsføring av boliglån er 6,79% ved et lån på 2 millioner over 25 år, kost kr1 895 969, totalt kr3 895 969.
A special loan is the perfect solution for you if:
- you want to buy your first property in Norway,
- the bank refused you a loan to buy property,
- you have irregular income,
- you do not have creditworthiness,
- you have unpaid debt or inkasso,
- you have been in Norway for too short a time,
- you own property in Norway and want to refinance your loans and credit cards.
Special loan for property purchase
Why is it worth it?
- It's a cheaper solution than monthly rent for an apartment.
- We take into account all your income (including benefits or seasonal earnings) to realistically assess your credit possibilities.
- Inkasso, or lack of a permanent job, does not disqualify your credit possibilities.
- You can count on our flexibility and our search for a solution in your situation.
What conditions must you meet to apply for a special loan?
- The minimum market value of the property must be 750,000 NOK.
- The minimum down payment is 15% of the value of the purchased property; however, instead of a down payment, securing the loan with another property is sufficient.
Refinancing loans and credit cards
If you own property in Norway and want to refinance your loans and credit cards, consolidate all your consumer loans and credits into one mortgage!
- This way you will reduce your monthly expenses.
- We will help you! We will check if this solution will be beneficial for you.
- You will regain transparency and control over your household budget.
apply for refinancing
Conditions for obtaining refinancing:
- ownership of property in Norway with a minimum value of 750,000 NOK,
- loan amount from 250,000 kr, maximum up to 85% of the market value of the house or apartment, in the case of a summer house 75%.
InformantLearn more about special loans
Can the minimum 15% down payment come from a consumer loan or credit cards?
No. If the bank verifies in Gjeldsregisteret that a consumer loan was recently taken out, it will reject the application.
What can be done if we do not have a down payment? What is a Start loan?
In Norway, for people in a more difficult financial situation (e.g., families with children, lower income), a down payment can be applied for from the Kommune. Each Kommune has its own rules and specific conditions to be met. You can apply for a so-called Start Loan there, which is recognized by banks as a down payment. Start loans have low interest rates.
Mortgage refinancing. What is it?
Imagine a situation where you renovate your house and thus increase the value of your property by, for example, 1,000,000 NOK. In such circumstances, can you refinance your mortgage? In some banks, interest rates can be negotiated. At Blue Step, you can apply for refinancing if you have other debts on credit cards and other loans.
Can you apply for a mortgage if you have unpaid debts and inkasso?
Yes, you can. In such cases, we consider your situation individually, analyzing all sources of income.
What about the money we have from selling property in Poland?
It can be used for a down payment. However, you will need to present a Notarial Deed to the bank.
What if the spouse works in Poland? Are his/her earnings taken into account?
Yes, the spouse's income is taken into account. However, he/she must present a relevant certificate.
What is the mortgage application procedure?
After income verification, the client searches for a property and sends it to the bank for acceptance. Only then does he/she make an offer on the property. Not the other way around. Often, clients find a house and then apply for a mortgage. This is the wrong order.
How long is a mortgage offer valid? How much time does the client have to find a suitable property?
The client has 3 months to find a property and make an offer.
Can property be used as a down payment?
We accept collateral in a mortgage as a down payment, but this depends on the free amount of collateral. We cannot always help a client who buys property for investment purposes, but we can review the case.
Copyright © Inventive Logic sp. z o.o. sp. k. 2008 - 2025. All rights reserved. Use of the service implies acceptance of the Terms of Use for special services.
The website uses cookies for the provision of services and in accordance with the Information on personal data processing. You can specify the conditions for storing or accessing cookies in your browser.