Housing allowance, loans and grants

If you have trouble paying your rent or financing the purchase of a home, you may be eligible for housing allowance or a start-up loan from your municipality. The Norwegian State Housing Bank also finances building of new homes and reconstruction projects.

Housing allowance

The housing allowance scheme is a government financed support scheme for partial coverage of housing expenses for households with low incomes.

Read more about requirements and how to apply.

Start-up loan

The start-up loan is a favourable loan scheme offered by most municipalities, primarily intended for first-home buyers and households with special needs.

Read more about requirements and how to apply.

Loan from the Housing Bank

You can apply for a loan from the Housing Bank to build or upgrade a house. The prerequisite is that you plan to meet high standards of environmental sustainability or accessibility.

Read more on requirements and how to apply.

Interest rates

Housing Bank interest rates are set in accordance with, and follow the fluctuations of, interest rates in the money market. Experience shows that on average, our interest rates are 0,5-1,0 percentage points below normal market rates.

Read more about our current interest rates.

Please note that most municipalities add an extra 0,25-0,5 percentage points to the Norwegian State Housing Bank's nominal interest rates to cover administration costs and potential losses on start-up loans.