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Your mortgage


LOAN / Do you know how much more expensive your mortgage has become since the first rate hike?

This article was translated by Google and R.E.

These days, interest rates are raised so frequently that you hardly have time to keep up with the changes. The previous interest rate hike happened as recently as last week, and was also a double interest rate jump.

But this is not the end of visas, the interest rate will rise further.

Because already on Monday 26 September, DNB came out and revealed that the mortgage interest rate will rise to a corresponding level. It is still not to be overlooked that the latest interest rate hike, and the one to come, is of such a large level that ordinary consumers will not have time to digest before they have to make an effort again.

According to Nettavisen, it is actually the case that some have not had the full effect of the interest rate hike that came before the summer holidays, until now.

Tips: Always look for the best and lowest interest rates before taking out a loan

This is how the process of an interest rate increase is simply explained

At a few bullet points, the process of an interest rate increase can be explained in a simple way:

· When Norges Bank increases the interest rate level, this is done with immediate effect

· Ordinary banks give it a few days before they choose to follow the interest rate hike

· Loan customers will then have a notice period of at least six weeks before the full effect of the interest rate increase is seen

An interest rate increase also does not have full effect from the first due date, this is usually due to the fact that the interest rate increase usually takes place in the middle of the month.

Household finances are experiencing recent upswings

If you take as a starting point normal interest rate increases of 0,25 percentage points, it will not be felt to a large extent for most household economies. However, the situation is completely different when interest rate increases are as large as they are now.

Since Norges Bank started raising the interest rate a year ago, it has been increased by as much as 2,25 percentage points, and 1,5 percentage points since June alone.

Most indicate further interest rate hikes

With the current policy rate of 2,25 per cent, Norges Bank will not stop there. It is assumed that the key interest rate will rise quite a bit more, and by winter it could be up to 3 per cent.

In other words, an increase of 0,75 percentage points from the current interest rate of 2,25 percent.

Are you considering a loan? Use a loan calculator before you take out a loan!





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