Apply for a preliminary home loan offer or a loan promise

You will get a preliminary loan offer or a loan promise from us quickly

Start by filling in our home loan application, submit it to us and we will invite you to a loan negotiation. After we have met, you will get a preliminary loan offer from us, containing the loan amount and margin we can offer you as well as an estimate of your monthly home loan payment.

Once you find a new home, we can convert the preliminary loan offer into a loan promise, which is binding on us. You can also get a loan promise from us quickly after the loan negotiation if you already know which home you want to buy.

It doesn’t cost you anything to apply for a preliminary loan offer or a loan promise, and you have no obligation to take out the loan from us.

How to prepare for a loan negotiation

What’s the difference between a preliminary loan offer and a loan promise?

A preliminary loan offer is based on the information you provide to us, and you can apply for one even if you haven’t found a new home yet. A preliminary loan offer is valid until further notice, but it doesn’t oblige us to grant you the loan.

A loan promise, on the other hand, is a loan decision that binds us. You can get a loan promise from us once you have found a new home and delivered us the documents requested in the preliminary loan offer. A loan promise is valid for six months, but the margin or fixed rate included in it is valid for one month.

With a preliminary loan offer, you can make a conditional offer on a home

You should apply for a preliminary loan offer well in advance when you start to plan buying your own home. Once you know what you can afford, you can start going to viewings to find your new home.

With a preliminary loan offer, you can make a conditional offer on a home as soon as you have found the perfect one. The offer must be conditional on us granting you a loan. When you get a loan promise, you can make a binding offer to buy the home.

How to make an offer to buy a home

Frequently asked questions about loan offers and loan promises

What does it mean that the loan offer is preliminary?

With a preliminary loan offer, you have no obligation to take out the loan from us and we have no obligation to grant you the loan. The preliminary loan offer will tell you how much you could borrow from us.

Can you withdraw from a preliminary loan offer or a loan promise?

A preliminary loan offer is not binding on us, but a loan promise is. Getting a loan promise requires that we accept your collateral for the loan and check that it is sufficient.

We can change or withdraw from a loan promise in some cases, such as if your financial situation changes in a way that affects your repayment ability.

What conditions does a preliminary loan offer or a loan promise contain?

We will make you a preliminary loan offer based on the information you give us when we negotiate on the loan. With a preliminary loan offer, you have no obligation to take out the loan from us and we have no obligation to grant you the loan.

We can convert the preliminary loan offer into a binding loan promise once you find a home that you want to make an offer on. Getting a loan promise requires that we can accept your collateral for the loan and that we know enough about your loan repayment ability.

What documents do I need to send to you to get a loan promise?

For a loan promise, we will need the details of the home you are planning to buy. If your loan will have a third-party pledge, we will need the details of the pledger and the pledge.

If you own a business, we will also request you to provide your financial statements.

What to do when you have found your new home

How should I compare loan offers from different banks?

When you compare competing loan offers, don’t just look at the margin – also consider how flexible the home loan is and what the bank offers you as a whole.