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    Home > Finance > Norway eases loan-to-value mortgage limit to 90%
    Finance

    Norway eases loan-to-value mortgage limit to 90%

    Published by Uma Rajagopal

    Posted on December 4, 2024

    2 min read

    Last updated: January 28, 2026

    An image depicting the Norwegian Finance Minister announcing the easing of mortgage loan-to-value limits. This change aims to boost housing market access with a new 90% ratio, impacting borrowers and the economy.
    Norwegian government announces mortgage rule change to 90% loan-to-value - Global Banking & Finance Review
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    Tags:equityMortgagesfinancial stabilityHousing marketinterest rates

    Quick Summary

    OSLO (Reuters) – The Norwegian government will ease its loan-to-value restriction on

    OSLO (Reuters) – The Norwegian government will ease its loan-to-value restriction on mortgage lending, the finance ministry said on Wednesday, loosening a policy that had constrained borrowing and led to a decline in the construction of new homes.

    The revised rule set a maximum loan-to-value mortgage ratio of 90%, up from 85% previously, requiring borrowers to put up 10% equity when buying a home, down from 15% previously.

    “The change will allow more people to enter the housing market,” Finance Minister Trygve Slagsvold Vedum said in a statement.

    First introduced in 2015, the mortgage regulation aims to protect the banking system and the wider economy as well as consumers by limiting the growth in borrowing and preventing the formation of a housing market bubble.

    Norwegian households have the highest level of debt-to-disposable income among OECD countries, standing at 253% in 2022, the latest comparable data showed, up from around 130% at the turn of the century.

    But borrowing has slowed in recent years as interest rates rose and the mortgage regulations restricted lenders, leading to calls from the construction industry and others for a softening of the rules.

    “The current requirements appear to be somewhat stringent when compared with the benefits… This is why we are now adjusting the equity rule,” Vedum said.

    Norway’s Financial Supervisory Authority had argued the loan-to-value rule should remain at 85%, while the central bank had said it could be eased to 90%.

    (Reporting by Terje Solsvik, Editing by Louise Rasmussen and Kim Coghill)

    Frequently Asked Questions about Norway eases loan-to-value mortgage limit to 90%

    1What is loan-to-value?

    Loan-to-value (LTV) is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. It is calculated by dividing the loan amount by the appraised value of the property.

    2What is a mortgage?

    A mortgage is a type of loan specifically used to purchase real estate, where the property itself serves as collateral. Borrowers repay the loan amount along with interest over a specified period.

    3What are interest rates?

    Interest rates are the cost of borrowing money, expressed as a percentage of the loan amount. They can fluctuate based on economic conditions and influence mortgage payments and overall borrowing costs.

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