Loan calculator — annuity and serial loans

Norwegian loans are typically offered as annuity loans (annuitetslån) or serial loans (serielån). Annuity loans have a fixed payment throughout the term; serial loans have fixed principal repayments and a declining interest portion — so the total payment falls over time.

This calculator lets you compare both structures side by side for the same amount, rate and term. Figures are estimates based on standard formulas; actual terms are set by the lender.