General Assessment

Variable(2018)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: Amendments added to the Financial Institutions Act in 2013
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: 1) Start-up loan above 2) Housing grants are available to households experiencing financial difficulties. Grants can be given to buy and renovate a home, and refinance a mortgage.
Notes: 1800 USD Fee plus the cost of legal services
Notes: 1800 USD public fee plus the cost of legal assistance
Notes: 1800 USD public fee plus the cost of legal assistance
Notes: 1800 USD public fee plus the cost of legal assistance
Notes: 2010 = 100
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013  
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices 
Notes: BSU - Young people's housing savings: for those under 34 yrs old and are saving to buy a home or repay an existing mortgage in a BSU account, there is a 20% tax deduction
Notes: BSU - Young people's housing savings: for those under 34 yrs old and are saving to buy a home or repay an existing mortgage in a BSU account, there is a 20% tax deduction
Notes: BSU - Young people's housing savings: for those under 34 yrs old and are saving to buy a home or repay an existing mortgage in a BSU account, there is a 20% tax deduction
Notes: BSU - Young people's housing savings: for those under 34 yrs old and are saving to buy a home or repay an existing mortgage in a BSU account, there is a 20% tax deduction
Notes: BSU - Young people's housing savings: for those under 34 yrs old and are saving to buy a home or repay an existing mortgage in a BSU account, there is a 20% tax deduction
Notes: BSU - Young people's housing savings: for those under 34 yrs old and are saving to buy a home or repay an existing mortgage in a BSU account, there is a 20% tax deduction
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate 
Notes: Converted from EURO to USD with end of year exchange rate  
Notes: Debt-to-income (DTI) ratio requirement introduced in 2017. Borrowers' total debt must not exceed 5x gross annual income.
Notes: Debt-to-income (DTI) ratio requirement introduced in 2017. Borrowers' total debt must not exceed 5x gross annual income.
Notes: Deductions for certain maintenance costs, municipal taxes, property tax, etc. during a rental period
Notes: Deposit guarantees by Norwegian Banks' Guarantee Fund
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: First introduced
Notes: Housing allowance provides partial coverage of housing expenses for households with low income
Notes: Housing allowance provides partial coverage of housing expenses for households with low income
Notes: Housing allowance provides partial coverage of housing expenses for households with low income
Notes: Housing allowance provides partial coverage of housing expenses for households with low income
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank Loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank Loans
Notes: Inter-bank loans
Notes: Inter-bank Loans
Notes: Inter-bank Loans
Notes: Inter-bank loans.
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages 
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities
Notes: Levied at a municipal level, not present in all municipalities 
Notes: Levied at a municipal level, not present in all municipalities. Municipal property tax rates range between 0.2-0.7%
Notes: Mixed legal system of civil, common, and customary law; Supreme Court can advise on legislative acts
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure, note that 80% lives in Urban Areas
Notes: National numbers, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: National rate, includes non-urban areas
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015) 
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by the central government. It makes market rate loans and handles housing subsidies and grants.
Notes: Norwegian State Housing Bank is funded by the central government. It makes market rate loans and handles housing subsidies and grants.
Notes: Norwegian State Housing Bank is funded by the central government. It makes market rate loans and handles housing subsidies and grants.
Notes: Norwegian State Housing Bank is funded by the central government. It makes market rate loans and handles housing subsidies and grants.
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5%
Notes: Only a stamp duty of 2.5% is levied. Transfer tax generally is not levied.
Notes: Percentage of population, not dwelling units
Notes: Percentage of population, not dwelling units
Notes: Percentage of population, not dwelling units
Notes: Start-up loan available if unable to get financing from private market
Notes: Start-up loan available if unable to get financing from private market
Notes: Start-up loan available if unable to get financing from private market
Notes: Start-up loan available if unable to get financing from private market
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The Financial Supervisory Authority of Norway is the government agency responsible for oversight of financial institutions. The Financial Supervisory Authority is under the supervision of the Ministry of Finance.
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data 
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477