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Norway Mortgage Calculator

Calculate your Norwegian mortgage payments, compare loan options, and determine what you can afford in Norway

Loan Details
Enter your mortgage information to get accurate calculations

300 000 kr

20.0% of home price (60 000 kr)

Additional Costs
Monthly expenses beyond mortgage

3 000 kr

1 200 kr

Required if down payment < 20% (0 kr)

0 kr

Extra Payments
Pay off your mortgage faster

Monthly Payment

1 517 kr

Principal & Interest

Total Monthly

1 867 kr

Including all costs

Total Interest

306 107 kr

Over life of loan

Total Cost

546 107 kr

Principal + Interest

Payment Breakdown

Total Cost

546 107 kr
Over 30 years

Principal

240 000 kr
43.9% of total

Interest

306 107 kr
56.1% of total

Payment Breakdown

Principal43.9%
240 000 kr
Interest56.1%
306 107 kr
Interest vs Principal Ratio
You'll pay 56% in interest
That's 66 107 kr more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
11 517 kr217 kr1 300 kr239 783 kr
11 517 kr230 kr1 287 kr237 317 kr
21 517 kr246 kr1 271 kr234 455 kr
31 517 kr262 kr1 255 kr231 401 kr
41 517 kr280 kr1 237 kr228 143 kr
51 517 kr298 kr1 219 kr224 666 kr
61 517 kr318 kr1 199 kr220 957 kr
71 517 kr340 kr1 177 kr216 999 kr
81 517 kr362 kr1 155 kr212 776 kr
91 517 kr387 kr1 130 kr208 270 kr
101 517 kr413 kr1 104 kr203 463 kr
111 517 kr440 kr1 077 kr198 333 kr
121 517 kr470 kr1 047 kr192 860 kr
131 517 kr501 kr1 016 kr187 021 kr
141 517 kr535 kr982 kr180 790 kr
151 517 kr571 kr946 kr174 142 kr
161 517 kr609 kr908 kr167 049 kr
171 517 kr650 kr867 kr159 481 kr
181 517 kr693 kr824 kr151 405 kr
191 517 kr740 kr777 kr142 790 kr
201 517 kr789 kr728 kr133 597 kr
211 517 kr842 kr675 kr123 788 kr
221 517 kr898 kr619 kr113 323 kr
231 517 kr958 kr559 kr102 156 kr
241 517 kr1 023 kr494 kr90 242 kr
251 517 kr1 091 kr426 kr77 530 kr
261 517 kr1 164 kr353 kr63 967 kr
271 517 kr1 242 kr275 kr49 495 kr
281 517 kr1 325 kr192 kr34 054 kr
291 517 kr1 414 kr103 kr17 579 kr
301 517 kr1 509 kr8 kr0 kr

Norway Mortgage Calculator Guide

Our comprehensive Norwegian mortgage calculator is designed specifically for the Norwegian housing market. Whether you're buying your first home in Oslo, Bergen, Trondheim, or anywhere across Norway, our calculator accounts for Norwegian-specific factors like property tax, stamp duty, and mortgage regulations.

Norwegian Mortgage Features

First-Time Buyer:Calculate first-time home buyer benefits and reduced stamp duty.
Fixed & Variable Rates:Calculate fixed and variable rate mortgages with competitive rates.
Long-term Mortgages:Support for mortgages up to 30-35 years with flexible terms.
Property Tax Calculator:Automatic property tax calculations based on assessed value.
Stamp Duty Calculator:Calculate stamp duty and registration fees.
Property Insurance:Calculate property and liability insurance premiums.

Norway Mortgage Market Overview

The Norwegian mortgage market offers various loan types including fixed-rate, variable-rate, and tracker mortgages. Current mortgage rates vary by lender, credit score, and loan type, typically ranging from 3-6% depending on the loan type. Our calculator helps you understand the true cost of homeownership including property tax, stamp duty, and insurance to make informed decisions about your home purchase across Norway.