{"id":3599,"date":"2024-09-06T11:55:34","date_gmt":"2024-09-06T11:55:34","guid":{"rendered":"https:\/\/www.motty.no\/loan-norway\/mortgage-norway"},"modified":"2025-08-28T11:55:52","modified_gmt":"2025-08-28T11:55:52","slug":"mortgage-norway","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/en\/loan-norway\/mortgage-norway","title":{"rendered":"Home loans"},"content":{"rendered":"\n<div\n    class=\"grid md:grid-cols-2 gap-8 mx-auto container md:px-6 xl:px-28 py-6 items-center\">\n    <div class=\"space-y-10\">\n        <div class=\"space-y-8 md:px-0 px-4\">\n            <h1 class=\"text-[32px] leading-[1.2] md:text-[60px] md:leading-[1.1] md:text-left text-center md:tracking-[-1.2px] font-recklessmedium\">Loans secured by property<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Loans with much lower interest rates and longer repayment periods.            <\/p>\n        <\/div>\n                    <ul class=\"space-y-4 hidden md:block\">\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Loans up to NOK 20 million.                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Repayment period up to 30 years                    <\/li>\n                                    <li class=\"flex items-center text-[20px] leading-[1.4] gap-2\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n                            <circle cx=\"16\" cy=\"16\" r=\"16\" fill=\"#2264DC\" \/>\n                            <path d=\"M9.21094 16.2408L13.5746 20.6045L22.5443 11.6348\" stroke=\"white\" stroke-width=\"1.5\" \/>\n                        <\/svg>\n                        Digital application                    <\/li>\n                            <\/ul>\n                <div class=\"trustpilot-widget w-fit md:block hidden\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n            <script src=\"https:\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\"><\/script>\n        <\/div>\n    <\/div>\n    <div>\n\n    <div data-config='{\"locale\":\"en\"}' data-id=\"application-form-container\" data-current-form=\"0\" class=\"relative bg-fjellvann-medium-beige p-6 md:p-14 md:rounded-lg z-50\">\n                    <ul class=\"flex gap-2 justify-center mb-8\">\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"true\" data-id=\"mortgage\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Mortgage with security                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"consumerLoan\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Mortgage without security                        <\/button>\n                    <\/li>\n                            <\/ul>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"true\"\n                    data-config='{\"locale\":\"en\",\"product\":\"mortgage\",\"loanMin\":\"100000\",\"loanMax\":\"20000000\",\"loanDefault\":\"2000000\",\"loanStep\":\"50000\"}' id=\"application-form-0\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"en\",\"product\":\"consumerLoan\"}' id=\"application-form-1\" data-id=\"application-form\"><\/div>\n                            <div class=\"trustpilot-widget mt-8 md:hidden block\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div id=\"tic-69f268d9ca970\" class=\"text_image_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 lg:py-[120px] xl:px-28\">\n        <h2 class=\"text-center text-[32px] mb-10 md:mb-20 md:text-[40px]\">How to apply for a secured loan online<\/h2>\n                <div class=\"flex flex-col gap-10 flex-wrap md:gap-[35px] sm:flex-row\">\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/02\/forst.svg\" class=\"block mx-auto\" alt=\"Paskola Norvegijoje\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">First<\/h3><p>Fill in the application and send it in.<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/sa.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">So&#8230;<\/h3><p>Compare offers.<\/p>            <\/div>\n                    <\/div>\n                <div class=\"flex flex-col w-full gap-[32px] md:w-[calc(50%-17.5px)] lg:w-[calc(33.33%-25px)]\">\n            <img decoding=\"async\" class=\"h-[142px] w-auto block object-contain\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/bankid.svg\" class=\"block mx-auto\" alt=\"\">                        <div class=\"text_image_columns-header text-center\">\n                <h3 class=\"text-[32px] mb-3\">In the end<\/h3><p>Sign loan offers easily with BankID and the money is paid out.<\/p>            <\/div>\n                    <\/div>\n                <\/div>\n                        <div class=\"mt-20 p-8 rounded-lg flex gap-4 bg-fjellvann-medium-beige items-center text-image-columns-bottom\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"39\" viewBox=\"0 0 34 39\" fill=\"none\">\n            <path d=\"M16.4825 37.8473C14.4745 37.8221 12.8626 36.3904 12.879 35.0412C12.8848 34.5777 13.2489 34.206 13.6942 34.211L19.3558 34.2825C19.8 34.2886 20.1564 34.6684 20.1516 35.1329C20.1361 36.4206 18.4914 37.8715 16.4834 37.8463L16.4825 37.8473Z\" fill=\"#13C27F\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M21.5784 32.5984C21.5844 32.2352 21.3946 31.918 21.1114 31.7589C21.3995 31.6088 21.6003 31.2986 21.6062 30.9354C21.6152 30.4191 21.2276 29.9949 20.7407 29.9858L12.6201 29.8478C12.1332 29.8398 11.7317 30.251 11.7228 30.7673C11.7168 31.1305 11.9066 31.4477 12.1898 31.6068C11.9017 31.7569 11.7009 32.0671 11.695 32.4303C11.689 32.7935 11.8788 33.1107 12.162 33.2698C11.8738 33.4198 11.6731 33.73 11.6671 34.0932C11.6582 34.6095 12.0457 35.0338 12.5327 35.0428L20.6533 35.1809C21.1402 35.1889 21.5416 34.7776 21.5506 34.2613C21.5565 33.8981 21.3667 33.5809 21.0835 33.4218C21.3717 33.2718 21.5724 32.9616 21.5784 32.5984Z\" fill=\"#2264DC\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-miterlimit=\"10\"\/>\n            <path d=\"M26.6955 18.4163C26.7871 12.9086 22.4656 8.36801 17.0443 8.27489C11.623 8.18178 7.15363 12.5722 7.06198 18.0799C7.02059 20.5659 7.87897 22.8548 9.33163 24.6269C9.34937 24.6479 9.43117 24.7331 9.45383 24.7571C11.6555 27.138 12.6686 29.2406 12.6568 29.9534L16.6836 30.0225L20.7104 30.0916C20.7223 29.3807 21.8103 27.3232 24.0819 25.0244C24.1085 24.9974 24.1804 24.9153 24.1923 24.9013C25.7129 23.1782 26.6531 20.9124 26.6945 18.4163H26.6955Z\" fill=\"#F2EBE0\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M13.6064 12.1523C10.9833 13.4641 9.9412 16.6184 11.283 19.1826\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M11.6667 22.3335C12.0684 22.3335 12.394 22.0078 12.394 21.6062C12.394 21.2045 12.0684 20.8789 11.6667 20.8789C11.2651 20.8789 10.9395 21.2045 10.9395 21.6062C10.9395 22.0078 11.2651 22.3335 11.6667 22.3335Z\" fill=\"white\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M16.7578 1V5.84848\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M7.06055 4.39453L9.96964 8.27332\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 12.8789L5.60606 14.3335\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M1 23.06L5.60606 21.6055\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 22.8178L28.3936 21.3633\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M32.9996 12.6367L28.3936 14.0913\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M26.6969 4.15234L24.0303 8.03113\" stroke=\"#00074A\" stroke-width=\"0.484848\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <\/svg>\n            <div class=\"w-[calc(100%-38px)]\">\n                <p><em>The offers stand for approx. 30 days. If you don&#8217;t want the loan anyway, just end the process. Everything is done electronically and efficiently with BankID. <\/em><\/p>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"content__with_logo-69f268d9cda62\" class=\"content__with_logo-outer-container overflow-hidden relative\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:py-[120px] relative z-[5]\">\n        <div class=\"flex items-center\">\n            <div class=\"w-full md:w-1\/2\">\n                <div class=\"w-full h-full p-8 flex flex-col gap-8 overflow-hidden bg-fjellvann-medium-beige border-b-8 border-fjellvann-green rounded-lg\">\n                    <h2 class=\"h2\">Who can get a secured loan?<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>You own a home or other property<\/li>\n<li>You are over 18 years old and have a fixed income<\/li>\n<li>You have lived and taxed in Norway for the last three years<\/li>\n<\/ul>\n<\/div><div class=\"text-fjellvann-medium-blue content-rte bottom__rte\"><p><em><strong>Loan example<\/strong><\/em> Nominal interest rate 7.25%.<br \/>\nEffective interest rate 7.68% for a loan of 2 mill.<br \/>\nover 25 years.<br \/>\nCost: NOK 2,379,341, &#8211; Total: NOK 4,379,431   <\/p>\n<\/div>                <\/div>\n            <\/div>            \n        <\/div>\n    <\/div>\n    <svg class=\"hidden md:block absolute right-0 top-1\/2 -translate-y-1\/2\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"621\" height=\"615\" viewBox=\"0 0 621 615\" fill=\"none\">\n    <path d=\"M420.964 63.3341L420.959 63.3383L420.267 63.9887L420.254 64.0015L420.24 64.0148L403.798 80.4079L324.378 159.591L115.995 367.352V232.451C115.995 168.64 167.27 115.878 231.243 115.508C255.037 115.372 277.205 122.411 295.688 134.598L296.554 135.17L297.29 134.437L377.164 54.8002L378.167 53.8008L377.068 52.908C336.156 19.6623 285.44 1.5728 231.937 1.5728C179.398 1.5728 129.536 19.0086 89.0061 51.1292V2.84766V1.5728H87.7312H3H1.72514V2.84766V231.09V234.565V591.732C1.72514 610.445 24.3987 619.789 37.6538 606.573L64.2586 580.051L63.3586 579.148L64.2588 580.051L86.4442 557.927L457.533 187.951L499.602 146.007C520.926 126.441 548.576 115.625 577.607 115.508C641.608 115.245 694.014 168.645 694.014 232.5V601.704C694.014 607.847 699.019 612.829 705.173 612.829H797.123C803.285 612.829 808.282 607.846 808.282 601.704V231.09C808.282 169.785 784.342 112.15 740.858 68.7961C697.383 25.4521 639.566 1.5728 578.085 1.5728C516.602 1.5728 463.73 23.5139 420.964 63.3341ZM347.872 580.43H349.147H460.873H462.147V579.155V238.59V235.519L459.972 237.687L348.247 349.076L347.872 349.45V349.979V579.155V580.43Z\" stroke=\"#00074A\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n    <\/svg>\n<\/div>\n\n<div id=\"69f268d9ce2c6\" class=\"feature_content-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-10 px-6 md:p-14 xl:p-28\">\n        <div class=\"flex flex-col gap-6 md:flex-row md:items-center md:gap-[40px] lg:gap-[80px]\">\n                            <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(47%-40px)] order-2 md:order-1\">\n                    <div class=\"flex flex-col gap-6 md:gap-8\">\n                        <h2 class=\"h2\">The best loan for homeowners<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">If you own a home or holiday home, you can apply for a loan with a much lower interest rate and longer repayment period.  <\/h3><div class=\"feature__content-text space-y-6\"><p>If you have free market value in your home, you can apply for our best loan option!<\/p>\n<\/div>                        <\/div>\n                                                <div class=\"feature_content-btn\">\n                        <a id=\"\" href=\"#content\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 \">Apply now<\/a>                        <\/div>\n                                            <\/div>\n                <\/div>\n                                        <div class=\"w-full md:w-[calc(50%-20px)] lg:w-[calc(53%-40px)] order-1  md:order-2\">\n                                    <img decoding=\"async\" class=\"rounded-lg overflow-hidden border-b-8 border-b-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/boligjan-image.jpg\" alt=\"\" \/>\n                                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f268d9cfc97\" class=\"feature_content-outer-container overflow-hidden relative\">\n<svg class=\"absolute top-0 left-0 hidden md:block\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"593\" height=\"615\" viewBox=\"0 0 593 615\" fill=\"none\">\n<path d=\"M203.964 63.4865L203.959 63.4906L203.267 64.141L203.254 64.1539L203.24 64.1671L186.798 80.5602L107.378 159.743L-101.005 367.504V232.603C-101.005 168.792 -49.7295 116.031 14.2431 115.66C38.0374 115.524 60.205 122.563 78.6877 134.751L79.5544 135.322L80.2896 134.589L160.164 54.9526L161.167 53.9531L160.068 53.0604C119.156 19.8147 68.44 1.72514 14.9375 1.72514C-37.6024 1.72514 -87.464 19.1609 -127.994 51.2815V3V1.72514H-129.269H-214H-215.275V3V231.243V234.718V591.884C-215.275 610.597 -192.601 619.941 -179.346 606.725L-152.741 580.203L-153.641 579.3L-152.741 580.203L-130.556 558.079L240.533 188.103L282.602 146.16C303.926 126.593 331.576 115.777 360.607 115.66C424.608 115.397 477.014 168.797 477.014 232.652V601.856C477.014 607.999 482.019 612.981 488.173 612.981H580.123C586.285 612.981 591.282 607.999 591.282 601.856V231.243C591.282 169.937 567.342 112.302 523.858 68.9484C480.383 25.6044 422.566 1.72514 361.085 1.72514C299.602 1.72514 246.73 23.6663 203.964 63.4865ZM130.872 580.582H132.147H243.873H245.147V579.307V238.743V235.671L242.972 237.84L131.247 349.229L130.872 349.602V350.131V579.307V580.582Z\" stroke=\"#00074A\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n<\/svg>\n    <div class=\"container mx-auto py-10 px-6 md:p-14 lg:py-28 xl:px-28 relative z-[5]\">\n        <h2 class=\"h2 text-center\">Loan calculator &#8211; How much will the loan cost me?<\/h2>                <div data-product=\"Mortgage\" data-locale=\"en\" data-type=\"loan cost\" class=\"mt-8 bg-fjellvann-medium-beige p-12 rounded-lg max-w-fit mx-auto\" id=\"loan-calculator\"><\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"rt-69f268d9d0c1b\" class=\"richtext_outer-container overflow-hidden\">\n    <div class=\"py-[60px] px-6 md:px-14 lg:py-20 xl:px-28\">\n        <div class=\"content_medium mx-auto flex flex-col gap-6 md:gap-10\">\n                        <div class=\"richtext__outer-header gap-8 flex flex-col content-left\">\n            <h2 class=\"h2\">All about loans secured by property<\/h2><p class=\"md:text-[20px] lg:text-[24px]\">Here we have gathered information about everything you need to know about mortgage loans.\r\nAre you wondering about something we don&#8217;t answer here?\r\nGet in touch and we&#8217;ll help you!  <\/p>            <\/div>\n                        <div class=\"richtext__contents content-rte spacing_content-large\">\n                <h3>What does a mortgage loan mean?<\/h3>\n<p>A loan secured by a property means that you provide the bank with collateral.<br \/>\nYou can call the security a guarantee that the bank will still receive money if you don&#8217;t pay back.<br \/>\nThis collateral is often a property that the bank gets a mortgage on and which they can sell.<br \/>\nWhen you provide the bank with security for a loan, they naturally take less risk when lending money.<br \/>\nThat&#8217;s why they can offer lower interest rates and much longer repayment periods on mortgages than on unsecured loans (e.g. consumer loans).<br \/>\nThe greater the guarantee you provide for the loan, the cheaper your loan can be.<br \/>\nHouses often rise in value every year.<br \/>\nThe value of a car decreases every year.<br \/>\nIf you have a home as collateral for the loan, you get better terms from the bank.<br \/>\nSecured loans are referred to as mortgages, loans secured on homes, loans secured on cars, loans secured on plots of land or other property such as cabins, 2.<br \/>\nmortgages and mortgage loans.<\/p>\n<h3>Can I own the property myself?<\/h3>\n<p>To apply for a secured loan, you must be able to provide the bank with security.<br \/>\nTo be eligible for a secured loan, you must own a home or other property alone or together with someone (cohabitant, partner or spouse).<br \/>\nCollateral can also be approved in e.g. your parents&#8217; or other close family&#8217;s property, in which case they must approve this by signing mortgage documents.<\/p>\n<h3>Do I have to put up my home as security for the loan?<\/h3>\n<p>To get a secured loan with a low interest rate and long repayment period, you must be able to provide security for the loan.<br \/>\nThe home you own then acts as a secure guarantee for the bank.<br \/>\nIf you are unwilling or unable to pledge your home, other property or objects as security for the loan, you can apply for a consumer loan.<br \/>\nIf you own the home together with someone else, they must also give their consent for the home you own together to be used as security for the loan.<br \/>\nCollateral can also be approved in, for example, your parents&#8217; or other close family&#8217;s property, in which case they must approve this by signing mortgage documents.<\/p>\n<h3>Security in housing results in lower interest rates<\/h3>\n<p>When banks have real estate as collateral, they can offer lower interest rates and much longer repayment periods than for unsecured loans.<br \/>\nBanks are more confident about lending large sums when they have a mortgage and security in a valuable property.<br \/>\nIf the loan is defaulted on, in the worst case the bank can realize the property to cover the debt.<br \/>\nThis reassures the bank and therefore you can get a cheaper loan.<\/p>\n<h3>Renovation loans secured by property<\/h3>\n<p>Do you need money to renovate your home, or invest in a cabin, boat, car or something else?<br \/>\nYou can do all this without asking for an expensive consumer loan with high interest rates and a short repayment period.<br \/>\nIf you own a home, its market value can give you the opportunity to borrow money with our best loan option.<br \/>\nIf you apply for a loan secured by a property, we&#8217;ll help you every step of the way to decide what is most profitable for you in your situation.<br \/>\nRead more about home improvement loans here.<\/p>\n<h3>Who can get a loan secured by a home?<\/h3>\n<p>If you are over 18 years of age, have a fixed income and can provide collateral, you can apply for a mortgage.<br \/>\nCan&#8217;t provide security?<br \/>\n&#8211; <a href=\"https:\/\/www.motty.no\/en\/refinancing-norway\/unsecured-loan\">Apply for an unsecured loan here<\/a>.<br \/>\nApplying for a loan via Motty is free and without obligation.<\/p>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cta-69f268d9d46d7\" class=\"calltoaction-outer-container overflow-hidden globalcta\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28\">\n        <div class=\"rounded-lg bg-fjellvann-medium-beige py-14 px-5 md:px-[50px] lg:px-[100px]\">\n            <div class=\"flex flex-col-reverse gap-10 md:gap-[57px] md:flex-row md:items-center\">\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(592px)]\">\n                                        <div class=\"flex flex-col gap-6 text-center md:text-left\">\n                    <h2 class=\"h2 max-w-[592px]\">Still wondering about something?<\/h2><p class=\"text-[18px] md:text-[24px] font-recklessregular\">Contact us and we will help you! We are always available for a chat.<\/p>                    <\/div>\n                                                            <div class=\"mt-10\">\n                            <a id=\"\" href=\"\/kontakt\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Kontakt<\/a>                    <\/div>\n                                    <\/div>\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(100%-620.5px)]\">\n                    <img decoding=\"async\" class=\"w-[174px] h-auto mx-auto md:m-0 md:w-full md:h-full object-cover\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/faq_prefooter.svg\" alt=\"faq_prefooter\" \/>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"slb-69f268d9d5c71\" class=\"services__link-block-outer-container\">\n    <div class=\"max-w-[1080px] mx-auto py-6 px-0 md:px-14 md:py-16 xl:px-28 \">\n        <div class=\"hidden md:flex md:flex-wrap md:gap-8 md:items-center md:justify-center\">\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/en\/loan-norway\/car-loan\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/billan.svg\" alt=\"\"\/><span>Car loan<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/en\/loan-norway\/personal-loan\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-uten-sikkerhet.svg\" alt=\"\"\/><span>Cheap personal loan without collateral<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/en\/loan-norway\/renovation-loan\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-til-oppussing.svg\" alt=\"\"\/><span>Home renovation loan in Norway<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/spesial-lan\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Spesiallan.svg\" alt=\"\"\/><span>Spesiall\u00e5n &#8211; for deg som sliter med \u00e5 f\u00e5 l\u00e5n<\/span>            <\/a>\n                        <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/hyttelan-med-sikkerhet-i-bolig\">\n            <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Hyttelan.svg\" alt=\"\"\/><span>Hyttel\u00e5n med sikkerhet i bolig<\/span>            <\/a>\n                    <\/div>\n        <div class=\"block md:hidden\">\n            <div id=\"post3599\" class=\"swiper archive_swiper\" data-swiper=\"post3599\">\n                <div class=\"swiper-wrapper\">\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/en\/loan-norway\/car-loan\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/billan.svg\" alt=\"\"\/><span>Car loan<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/en\/loan-norway\/personal-loan\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-uten-sikkerhet.svg\" alt=\"\"\/><span>Cheap personal loan without collateral<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/en\/loan-norway\/renovation-loan\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Lan-til-oppussing.svg\" alt=\"\"\/><span>Home renovation loan in Norway<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/spesial-lan\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Spesiallan.svg\" alt=\"\"\/><span>Spesiall\u00e5n &#8211; for deg som sliter med \u00e5 f\u00e5 l\u00e5n<\/span>                        <\/a>\n                    <\/div>\n\n                                        <div class=\"swiper-slide w-fit\">\n                            <a class=\"flex items-center justify-between gap-[10px] py-[14px] px-[18px] rounded border border-fjellvann-medium-blue bg-fjellvann-medium-beige hover:bg-fjellvann-light-beige transition-colors\" href=\"https:\/\/www.motty.no\/lan\/hyttelan-med-sikkerhet-i-bolig\">\n                        <img decoding=\"async\" class=\"w-5 h-auto block\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/Hyttelan.svg\" alt=\"\"\/><span>Hyttel\u00e5n med sikkerhet i bolig<\/span>                        <\/a>\n                    <\/div>\n\n                                    <\/div>\n                <div class=\"sp-pagination-post3599 flex justify-center mt-4\"><\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"ra-69f268d9d9f78\" class=\"related_articles-outer-container\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:pt-14 lg:pb-28\">\n        <div class=\"flex flex-col text-center gap-8\">\n                        <h2 class=\"h2\">Articles about loans<\/h2>\n                    <\/div>\n                <div class=\"mt-14 flex flex-col gap-14 items-center\">\n            <div class=\"flex flex-col gap-8 flex-wrap md:flex-row\">\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/gjeldsregisteret\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/6Namnlo-st-1-1920w.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/gjeldsregisteret\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvor mye har du i gjeld? Slik sjekker du<\/h3><p>Hvor mye har du i gjeld? Slik sjekker du&nbsp; \u00c5 ha oversikt over gjelden din er&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forskjell-selveier-andel\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/pexels-photo-129494-1920w.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forskjell-selveier-andel\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hva er forskjellen p\u00e5 andel-, aksje- og selveierleilighet?<\/h3><p>Andelsleilighet gir bruksrett gjennom borettslag med fellesgjeld og fellesutgifter, selveierleilighet gir full eiendomsrett uten fellesgjeld, og&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forhandle-med-kreditorer\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/pexels-mikhail-nilov-6963847-1920w.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/okonomitips\/forhandle-med-kreditorer\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Hvordan forhandle med kreditorer?<\/h3><p>N\u00e5r gjelden kjennes tung og vanskelig, kan det \u00e5 forhandle med kreditoren v\u00e6re en l\u00f8sning. Vi&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <\/div>\n            <a id=\"\" href=\"https:\/\/www.motty.no\/en\/articles\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Show more articles<\/a>        <\/div>\n            <\/div>\n<\/div>\n","protected":false},"featured_media":0,"parent":2891,"menu_order":0,"template":"","class_list":["post-3599","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester"}],"about":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/types\/tjenester"}],"version-history":[{"count":3,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3599\/revisions"}],"predecessor-version":[{"id":6919,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3599\/revisions\/6919"}],"up":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/2891"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media?parent=3599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}