{"id":6502,"date":"2025-06-16T12:52:01","date_gmt":"2025-06-16T12:52:01","guid":{"rendered":"https:\/\/www.motty.no\/?post_type=tjenester&#038;p=6502"},"modified":"2025-06-16T12:52:01","modified_gmt":"2025-06-16T12:52:01","slug":"refinancing","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/en\/consumer-loan-norway\/refinancing","title":{"rendered":"Refinancing"},"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\">Refinancing<\/h1>\n            <p class=\"text-[24px] leading-[1.6] hidden md:block\">\n                Organise your finances &#8211; combine all your financial commitments into one.            <\/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                        Simple application, quick response from the bank.                    <\/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                        Refinancing without collateral for up to NOK 800,000.                    <\/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                        Refinancing with security in property for up to NOK 15 million.                    <\/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=\"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                            Refinance Consumer Loan                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" 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                            Refinance Mortgage                        <\/button>\n                    <\/li>\n                            <\/ul>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"true\"\n                    data-config='{\"locale\":\"en\",\"product\":\"consumerLoan\"}' 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\":\"mortgage\",\"loanMin\":\"100000\",\"loanMax\":\"20000000\",\"loanDefault\":\"2000000\",\"loanStep\":\"50000\"}' 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-69f2a1e13cbbb\" 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 free refinancing 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 loan application with the necessary information.<\/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\/refinancing-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>We send the application to the banks.\nThe banks process the application quickly and efficiently. <\/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\/refinancing-til-slutt.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>Compare interest rates and prices.\nChoose the one that suits you best.\nSign loan offers easily with BankID.  <\/p>            <\/div>\n                    <\/div>\n                <\/div>\n                    <\/div>\n<\/div>\n\n<div id=\"cc-69f2a1e13f14c\" class=\"text_colums-outer-container overflow-hidden\">\n    <div class=\"container mx-auto py-12 px-6 md:py-14 md:px-14 lg:py-[120px] xl:px-28\">\n        <div class=\"flex flex-col flex-wrap md:flex-row gap-12 lg:gap-20\">\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\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\">Here&#8217;s what we need to know<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>How much do you want to borrow?<\/li>\n<li>Name, birth and social security number<\/li>\n<li>Contact information<\/li>\n<li>Annual income and whether you are applying with someone<\/li>\n<li>Your marital status and whether you have children<\/li>\n<li>Place of work and citizenship<\/li>\n<li>All the debt you have now<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p><em>It&#8217;s easy to apply yourself, but remember that we can help you fill in and complete the application. <a href=\"https:\/\/www.motty.no\/en\/contact\">Just ask for help or advice!<\/a><\/em><\/p>\n<\/div>                    <\/div>\n                <\/div>\n                            <div class=\"w-full md:w-[calc(50%-24px)] lg:w-[calc(50%-40px)]\">\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 apply for refinancing?<\/h2><div class=\"content-rte richtext__contents\"><ul>\n<li>You have reached the age of 23<\/li>\n<li>You have a fixed income of at least NOK 230,000<\/li>\n<li>You have lived and taxed in Norway for the last three years<\/li>\n<li>Everyone who applies for a loan is credit assessed<\/li>\n<\/ul>\n<\/div><div class=\"text-[#000] content-rte\"><p><em>All banks in Norway carry out a credit check on everyone who applies for a loan. <a href=\"https:\/\/www.motty.no\/en\/ressurser\/bankordlisten\/kredittsjekk\">What is a credit check?<\/a><\/em><\/p>\n<\/div>                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f2a1e142cc0\" 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\">Apply for refinancing online<\/h2>                        <div class=\"feature__content-subtitle-contents flex flex-col gap-6\">\n                            <h3 class=\"h4 font-recklessregular\">Apply for a loan for refinancing with or without mortgage.  <\/h3><div class=\"feature__content-text space-y-6\"><p>We help you find the lowest interest rate and the best loan terms.<br \/>\nSo you can save money and cut expenses on the high interest and installments you pay today.<\/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 \">Search on<\/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\/refinancing-image.jpg\" alt=\"\" \/>\n                                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"69f2a1e1444eb\" 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                        <div data-product=\"ConsumerLoan\" data-locale=\"no\" 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-69f2a1e144bdc\" 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 refinancing<\/h2><p class=\"md:text-[20px] lg:text-[24px]\">Here we have gathered information about everything you need to know about refinancing.\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 is refinancing?<\/h3>\n<p>We advise you to tackle your financial problems before they get out of hand.<br \/>\nBanks have solutions to help you with your personal finances and debt situation.<br \/>\nRefinancing is an opportunity to combine old small loans with high interest rates, fees and charges into a new loan with lower interest rates and monthly installments.<br \/>\nWhat we help you with is to search for refinancing in many banks at the same time.<br \/>\nThat way, you&#8217;ll find the lowest interest rate and the best loan terms you can get right now.<br \/>\nDon&#8217;t settle for a random refinancing loan.<br \/>\nSearching for the best loan offers from different banks and getting them to compete for you is also a way to save money!<br \/>\nSend us an online application and we&#8217;ll do the rest &#8211; completely free and without obligation.<\/p>\n<h4>When the bank refinances your debt, it works like this:<\/h4>\n<ul>\n<li>Help you get an overview of all your debts and creditors<\/li>\n<li>The bank takes care of the debt and deletes it for you<\/li>\n<li>You&#8217;ll get a brand new loan with lower interest rates and less costs than what you had collected before<\/li>\n<li>Now you only have one invoice to pay each month &#8211; order and control!<\/li>\n<\/ul>\n<h3>How does refinancing work?<\/h3>\n<p>When you refinance, you get a new loan to clear your debts, which are often credit cards and expensive small loans with high interest rates.<br \/>\nExpensive small loans can be profitable to refinance because you pay high interest, installments, fees and charges on each of your loans.<br \/>\nRefinancing works like this: Old debt is erased and replaced with a new loan that has overall lower interest rates and costs than you had before.<br \/>\nExperience shows that there is a lot to save.<\/p>\n<h3>Refinancing of small loans and consumer loans<\/h3>\n<p>Having multiple and different small loans can be more expensive for you than it actually needs to be.<br \/>\nIt&#8217;s a simple job for us to find out if it&#8217;s worthwhile for you to refinance your current debt.<br \/>\nIf you&#8217;re paying high interest rates, fees and installments on several loans or credit cards, you may want to consolidate everything into one new loan with lower interest rates.<br \/>\nThis will save you money and cut your monthly expenses.<br \/>\nAll you need to do to find out if refinancing is profitable for you is to send us a loan application.<br \/>\nOur advisors have good advice, an overview of the possibilities on the market and work for you free of charge.<br \/>\nIt&#8217;s the banks that pay us for the work we do.<\/p>\n<h3>Can I refinance credit card debt?<\/h3>\n<p>You can refinance credit card debt.<br \/>\nIt may also be financially wise to refinance your debt because the interest rates on credit cards are guaranteed to be higher than the interest rate you get on a refinancing loan or consumer loan at the bank.<br \/>\nWe can help you refinance your credit card debt.<\/p>\n<h3>How you can save money<\/h3>\n<p>There are several things that can help you save money on refinancing.<br \/>\nGetting a lower interest rate is one important thing, but don&#8217;t forget that the fees also cost or that the repayment period can be changed to get lower installments.<br \/>\nHere are a few examples:<\/p>\n<ul>\n<li>If you have five creditors and pay a fee of NOK 45 per month to all of them, that&#8217;s NOK 225 per month.<br \/>\nIf you refinance down to just one creditor, you only pay NOK 45.<br \/>\nThat&#8217;s NOK 180 saved every month.<\/li>\n<li>If you have a consumer loan of NOK 100,000 at an effective interest rate of 10.94% over five years, it will cost you NOK 43,023 to borrow the NOK 100,000.<br \/>\nJust by finding a bank that gives you an 8.77% lower effective interest rate, the loan will instead cost NOK 34,288.<br \/>\nIn other words, you&#8217;ll save NOK 8,735 by finding a lower interest rate.<br \/>\nIf you also have several small loans, a total refinancing can save you thousands!<br \/>\nThis way, you can either have more money to spend or have a better chance of paying off your debt faster.<\/li>\n<li>Did you know that you can get an even lower interest rate if you refinance with someone else?<br \/>\nThat&#8217;s because the bank gets more security because there are two of you handling the loan.<br \/>\nA co-borrower can be a cohabitant, spouse, family member or friend.<\/li>\n<\/ul>\n<h3>Save money on your debt in the same loan application<\/h3>\n<p>Remember that when you submit a loan application to us, you&#8217;re not just submitting a request for a desired loan amount.<br \/>\nThe loan application is also a way for you to put us on the case to investigate whether your debts can be bundled to get the lowest interest rate, fees and installments available on the market now.<br \/>\nThe interest rate you got on a loan a long time ago can often be negotiated lower now, and it&#8217;s smart to investigate!<br \/>\nIf you&#8217;re not interested, you can reject any loan offer you receive through us.<br \/>\nTherefore, a loan application is more than an application for a loan, it&#8217;s an application for help to research and find banks that will give you better terms so that you save money and get a better overview of your finances.<\/p>\n<h3>How much can I save?<\/h3>\n<p>There are two ways to save money.<br \/>\nYou can pay off loans as quickly as possible or you can refinance debt with a high interest rate and high installments into a new loan with a lower interest rate and lower costs.<br \/>\nThe interest rates offered by banks vary, but we&#8217;ll do the work of finding the lowest interest rate for you!<br \/>\nExample of what you can save by shortening the repayment period: A loan of SEK 100,000 with a nominal interest rate of 15% and a repayment period of 10 years costs you SEK 100,000 in interest.<br \/>\nIf you cut the repayment period to 3 years, the same loan will cost you NOK 28,000 in interest.<br \/>\nIn addition, you save money on the fees you don&#8217;t have to pay.<\/p>\n<h4>What exactly are small loans?<\/h4>\n<p>The debts we refer to as small loans are debts you have that are not secured by your home or other assets.<br \/>\nSmall loans are called everything from unsecured debt, consumer loans, credit, unsecured refinancing loans, home improvement loans, car loans, restart loans, credit cards and installments on goods you have purchased.<br \/>\nRead more about the collection of small loans.<\/p>\n<h3>Loans for unsecured refinancing<\/h3>\n<p>Obtaining an unsecured loan means that you as a customer do not need to provide the bank with any form of security for the loan.<br \/>\nNormally, the bank will require you to pledge your home or other property as collateral.<br \/>\nBut for unsecured refinancing, you don&#8217;t need this.<br \/>\nBecause the bank doesn&#8217;t get anything from you that they can sell if the loan defaults, they put up the price to compensate for the risk they take.<br \/>\nThat&#8217;s why refinancing loans are more expensive than mortgages, for example.<br \/>\nBut, we can find better interest rates by looking around at the banks!<br \/>\nThis is what we can help you with.<br \/>\nConsolidate your debt so that you only pay one invoice each month and get better interest rates and loan terms than you have now.<\/p>\n<h5>There are several ways to refinance.<\/h5>\n<ol>\n<li>You move a loan from one bank to another because you get a lower interest rate and better terms there.<\/li>\n<li>You refinance a mortgage by increasing the mortgage or repayment period you currently have.<br \/>\nThis gives you access to the money you need for housing purposes, for example.<\/li>\n<li>You consolidate your debt into a new loan with a lower interest rate, less fees and installments than you pay today.<\/li>\n<\/ol>\n<h3>Refinancing with a mortgage costs less<\/h3>\n<p>Many people prefer to refinance with security in their home.<br \/>\nIt may be that you need money for renovation, travel or want to fulfill strong wishes and dreams that require money.<br \/>\nUsing property as security for the bank is more profitable for you than borrowing without security.<br \/>\nYour mortgage bank can be a good place to go to negotiate a lower interest rate and better terms.<br \/>\nHowever, remember that you are free to investigate whether you can get an even better deal at other banks by comparing different loan offers against each other.<br \/>\nEither way, you can easily apply for a mortgage refinancing online through us. <a href=\"https:\/\/www.motty.no\/en\/loan-norway\/mortgage-norway\">Read more about mortgage refinancing<\/a><\/p>\n<h3>Payment reminder and debt collection?<br \/>\nYou still have options for loans<\/h3>\n<p>Sometimes the bank says no to refinancing and increasing the mortgage.<br \/>\nThere may be several reasons for this.<br \/>\nA couple of examples are that you have too high a debt-to-income ratio in relation to the value of your home, or you may have received a payment reminder and debt collection.<br \/>\nRegardless, Motty will assess your application and help you where we see it is possible.<br \/>\nOur advisors know the rules and the market so well that it takes a lot for there not to be a solution for you.<br \/>\nWe work with banks that can delete your payment history, clean up your finances and give you better control and overview.<\/p>\n            <\/div>\n                        <div class=\"mt-6 md:mt-10 p-8 bg-fjellvann-light-green flex rounded-lg highlight__contents-rte\">\n                \n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"size-[60px] mr-4\" width=\"39\" height=\"55\" viewBox=\"0 0 39 55\" fill=\"none\">\n                <path d=\"M33.4156 25.2464C33.4156 17.2747 26.9655 10.8469 19.1239 11.151C11.8358 11.4342 5.98975 17.5973 5.90331 25.0753C5.86128 28.7626 7.19883 32.1297 9.42008 34.6659C11.8683 37.7302 14.4077 41.569 14.4077 45.5308V48.2639H24.9088V45.5308C24.9088 41.569 27.447 37.7302 29.8964 34.6659C32.084 32.1679 33.4144 28.8672 33.4144 25.2464H33.4156Z\" stroke=\"#00074A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M14.1875 52.3848H25.1329\" stroke=\"#00074A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M15.1367 28.8867L19.6597 32.5334L24.1826 28.8867\" stroke=\"#2264DC\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M19.6602 32.5332V40.3399\" stroke=\"#2264DC\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M19.6367 6.77838V1.04492\" stroke=\"#2264DC\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M5.65304 13.1675L1.69922 9.11328\" stroke=\"#2264DC\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <path d=\"M33.6641 13.1675L37.6179 9.11328\" stroke=\"#2264DC\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                <\/svg>\n                                <div class=\"w-full richtext__contents content-rte\">\n                    <h3>Don&#8217;t you have a home?<\/h3>\n<p>Read more about how you can <strong>refinance with a payment reminder<\/strong> without a home.<\/p>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"cta-69f2a1e147244\" 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-69f2a1e1481ef\" 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\/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                        <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        <div class=\"block md:hidden\">\n            <div id=\"post6502\" class=\"swiper archive_swiper\" data-swiper=\"post6502\">\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\/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 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>\n                <div class=\"sp-pagination-post6502 flex justify-center mt-4\"><\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"ra-69f2a1e14bedf\" 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":3611,"menu_order":0,"template":"","class_list":["post-6502","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/6502","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":1,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/6502\/revisions"}],"predecessor-version":[{"id":6509,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/6502\/revisions\/6509"}],"up":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3611"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media?parent=6502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}