Housing loan for public employees

Housing loan offer is a membership benefit. The maximum loan is NOK 2.8 million. If you are two members in the household, you can borrow NOK 2.8 million each.

Longer processing times

You can find our current mortgage interest rate here

We are currently receiving a very high number of loan applications for refinancing and home improvements. As a result, processing times are increasing.

Queue for refinancing and home improvement loans

Due to the high demand, we have simplified the first step of the application process for refinancing and home improvement loans:

  1. Click the link to our housing loan application.
  2. You will be taken to an intermediate page where you can register your email address.
  3. We will contact you by email when you can continue with the application process.

Prioritising loans for home purchases

While the waiting time is currently somewhat longer for refinancing and home improvement loans, we prioritise loan applications for the purchase of a home. There is no queue for these applications, and you can log in and go directly to the application.

The normal processing time is two weeks. However, we recommend applying well in advance of the completion date, and no later than 3–4 weeks before completion.

Laster...

Establishment and registration fee

Establishment fee when applying online: 1 800 kr
Establishment fee when using paper application: 2 000 kr
Loan registration fee: 500 kr
Read more about our fees and prices (in Norwegian).

How can you spend the loan amount?

Nøkler / Keys

Buy a new home

You can apply for a housing loan to buy a new home. We do not need first-priority on the housing loan for your new home.

Kalkulator og myntstabel. Illustrasjon.

Refinance a housing loan to get better terms and save money

We can take over your housing loan from other banks. If you are going to buy a home with a short takeover deadline, you should enter into a loan agreement with your current bank and transfer the loan to us afterwards.

Et hus med akkurat påbegynt nybygg. Illustrasjon.

Renovation and rehabilitation

You can apply for a housing loan to renovate or rehabilitate your house, or to build a garage.

En eldre mann gir en nøkkel til en yngre mann. Illustrasjon.

Loans for probate- and inheritance settlement

You can apply for a loan for probate settlement in the event of divorce, or for inheritance settlement, if you are going to be the resident of the home. 

With The Norwegian Public Service Pension Fund's housing loan, you get

.

  • Favourable terms and a competitive interest rate that is equal for all members. You are ensured predictability and security, and you do not have to negotiate conditions or interest rate.
  • The interest rate is set by the authorities up to six times a year. You avoid unexpected fluctuations and surprises.
  • We do not need first-priority on the home housing loan.

Log in and apply for a housing loan

Log in and fill in a housing loan application. Be aware that our loan application documents are all in Norwegian. 

You can sign the loan offer electronically via a link in our reply. We will contact you if we need more information.