{"id":8620,"date":"2026-04-14T09:26:49","date_gmt":"2026-04-14T09:26:49","guid":{"rendered":"https:\/\/www.motty.no\/artikler\/uncategorized\/hva-betyr-lan-med-sikkerhet-i-bolig"},"modified":"2026-04-14T09:33:31","modified_gmt":"2026-04-14T09:33:31","slug":"hva-betyr-lan-med-sikkerhet-i-bolig","status":"publish","type":"post","link":"https:\/\/www.motty.no\/en\/artikler\/uncategorized\/hva-betyr-lan-med-sikkerhet-i-bolig","title":{"rendered":"What does a mortgage loan mean?"},"content":{"rendered":"\n<p>If you own a home, the property&#8217;s value may allow you to borrow money at a lower interest rate and with a longer repayment period than with an unsecured loan. In <strong><a href=\"https:\/\/min.motty.no\/login\" rel=\"nofollow noopener\" target=\"_blank\">My Motty<\/a><\/strong>, you can log in to get a simple overview of your home&#8217;s value, your remaining mortgage balance, and how much you may be able to borrow by using your home as collateral. <a href=\"https:\/\/min.motty.no\/login\" rel=\"nofollow noopener\" target=\"_blank\">Log in to My Motty<\/a> to see your borrowing options with home security. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>What is a loan secured by property?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n<p>A loan secured by property means that the bank takes a lien on your home as collateral for the loan. Because the bank has a more secure guarantee, you can often get a <strong>lower interest rate<\/strong>, <strong>higher loan amount<\/strong>, and <strong>longer repayment period<\/strong> than with a standard consumer loan. <\/p>\n\n<p>This may be relevant if you wish to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Gain better control of your finances with lower monthly costs<\/li>\n\n\n\n<li>Refinance expensive debt<\/li>\n\n\n\n<li>Consolidate loans and credits<\/li>\n\n\n\n<li>Renovate your home<\/li>\n\n\n\n<li>Buy a car, boat, or finance other major expenses<\/li>\n<\/ul>\n\n<p>See what your home can offer you in <a href=\"https:\/\/min.motty.no\/login\" rel=\"nofollow noopener\" target=\"_blank\">My Motty<\/a><\/p>\n\n<div style=\"height:47px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"546\" height=\"1024\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2026\/04\/Skjermbilde-2026-04-14-kl.-11.29.27-546x1024.png\" alt=\"\" class=\"wp-image-8628\" style=\"aspect-ratio:0.5332016706057565\" srcset=\"https:\/\/www.motty.no\/wp-content\/uploads\/2026\/04\/Skjermbilde-2026-04-14-kl.-11.29.27-546x1024.png 546w, https:\/\/www.motty.no\/wp-content\/uploads\/2026\/04\/Skjermbilde-2026-04-14-kl.-11.29.27-160x300.png 160w, https:\/\/www.motty.no\/wp-content\/uploads\/2026\/04\/Skjermbilde-2026-04-14-kl.-11.29.27-768x1441.png 768w, https:\/\/www.motty.no\/wp-content\/uploads\/2026\/04\/Skjermbilde-2026-04-14-kl.-11.29.27-819x1536.png 819w, https:\/\/www.motty.no\/wp-content\/uploads\/2026\/04\/Skjermbilde-2026-04-14-kl.-11.29.27.png 890w\" sizes=\"auto, (max-width: 546px) 100vw, 546px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\"><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong><strong>See your options before applying<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p>In <a href=\"https:\/\/min.motty.no\/login\" rel=\"nofollow noopener\" target=\"_blank\"><strong>My Motty<\/strong> <\/a>you can access a simple model showing the development of your home&#8217;s value. There, you can see the original purchase price, how the value may have evolved, and manually enter your remaining mortgage balance. <\/p>\n\n\n\n<p>Then we can estimate how much available collateral you may have in your home \u2013 and whether you may be able to apply for a secured loan.<\/p>\n\n\n\n<p>This gives you a better overview before proceeding, making it easier to assess what might be most profitable for you.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/min.motty.no\/login\" rel=\"nofollow noopener\" target=\"_blank\">Log in to My Motty<\/a> and check your home&#8217;s value<\/strong><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you own a home, the property&#8217;s value may allow you to borrow money at a lower interest rate and with a longer repayment period than with an unsecured loan. In My Motty, you can log in to get a simple overview of your home&#8217;s value, your remaining mortgage balance, and how much you may&#8230;<\/p>\n","protected":false},"author":18,"featured_media":6789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74,31],"tags":[],"class_list":["post-8620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","category-uncategorized"],"acf":{"posts_author":[219],"show_last_updated":false},"_links":{"self":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/posts\/8620","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/comments?post=8620"}],"version-history":[{"count":4,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/posts\/8620\/revisions"}],"predecessor-version":[{"id":8644,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/posts\/8620\/revisions\/8644"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/forfatter\/219"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media\/6789"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media?parent=8620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/categories?post=8620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tags?post=8620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}