From 66716194e88fcfd03df8017be7b20e75d65d582e Mon Sep 17 00:00:00 2001
From: Sergey Sinica <sergey@sinica.me>
Date: Tue, 21 Jul 2015 16:42:45 +0300
Subject: [PATCH] initial commit

---
 .gitignore                                    |   12 +
 JS scripts/FreeLoanJS.html                    | 5593 ++++++++++++
 JS scripts/boliglandata.js                    |  543 ++
 JS scripts/compareSunLaanFreeLoan.html        |  349 +
 JS scripts/creditcarddata.js                  |  359 +
 JS scripts/creditcarddataToJson.html          |   47 +
 JS scripts/freeCard.htm                       | 3555 ++++++++
 JS scripts/jquery-2.0.3.min.js                |    6 +
 pom.xml                                       |   49 +
 .../finansportalen/freecalc/Freecalc.gwt.xml  |    7 +
 .../freecalc/common/AnnuityLoanPeriod.java    |   77 +
 .../freecalc/common/Period.java               |   40 +
 .../freecalc/common/SerialLoanPeriod.java     |   22 +
 .../finansportalen/freecalc/common/Utils.java |   53 +
 .../freecalc/freecard/calc/FreeCard.java      | 1027 +++
 .../freecard/calc/RateAnnuityCalc.java        |  736 ++
 .../freecard/result/FreeCardResult.java       |   82 +
 .../freecalc/freeloan/calc/FreeLoan.java      | 2922 ++++++
 .../freeloan/calc/FreeLoanException.java      |   64 +
 .../freeloan/calc/IntervallengthCalc.java     |  530 ++
 .../calc/IntervallengthSeparateCalc.java      |  602 ++
 .../freeloan/calc/PriceStorageStep.java       |  108 +
 .../freeloan/result/AnnuityLoanResult.java    |   29 +
 .../freeloan/result/FreeLoanResult.java       |   71 +
 .../freeloan/result/SerialLoanResult.java     |   20 +
 .../finansportalen/freecalc/FreeCalcTest.java |  136 +
 .../freecalc/freecard/FreeCardTest.java       |  565 ++
 .../freecalc/freecard/FreeCardTestInput.java  |  371 +
 .../freecalc/freecard/JsonProduct.java        |  316 +
 .../freecalc/freecard/JsonResult.java         |   61 +
 .../freecalc/freeloan/FreeLoanTest.java       |  698 ++
 .../freecalc/freeloan/JsonProduct.java        |  240 +
 .../freecalc/freeloan/JsonResult.java         |   70 +
 .../freecalc/freeloan/JsonResultPeriod.java   |  139 +
 .../resources/freecard/creditcarddata.json    | 7856 +++++++++++++++++
 .../resources/freecard/testCase1Results.json  | 2501 ++++++
 .../resources/freecard/testCase2Results.json  | 2501 ++++++
 .../resources/freecard/testCase3Results.json  | 2501 ++++++
 .../resources/freecard/testCase4Results.json  | 1117 +++
 .../freeloan/annuityLoanJSResults.json        |  520 ++
 .../annuityLoanJSResultsDiffParams1.json      |  541 ++
 .../annuityLoanJSResultsDiffParams2.json      |  541 ++
 .../annuityLoanJSResultsDiffParams3.json      |  518 ++
 .../annuityLoanJSResultsDiffParams4.json      |  541 ++
 .../freeloan/boliglan_published.json          |    1 +
 .../freeloan/serialLoanJSResults.json         |  518 ++
 .../serialLoanJSResultsDiffParams1.json       |  541 ++
 .../serialLoanJSResultsDiffParams2.json       |  414 +
 .../serialLoanJSResultsDiffParams3.json       |  518 ++
 .../serialLoanJSResultsDiffParams4.json       |  541 ++
 50 files changed, 41169 insertions(+)
 create mode 100644 .gitignore
 create mode 100644 JS scripts/FreeLoanJS.html
 create mode 100644 JS scripts/boliglandata.js
 create mode 100644 JS scripts/compareSunLaanFreeLoan.html
 create mode 100644 JS scripts/creditcarddata.js
 create mode 100644 JS scripts/creditcarddataToJson.html
 create mode 100644 JS scripts/freeCard.htm
 create mode 100644 JS scripts/jquery-2.0.3.min.js
 create mode 100644 pom.xml
 create mode 100644 src/main/java/no/finansportalen/freecalc/Freecalc.gwt.xml
 create mode 100644 src/main/java/no/finansportalen/freecalc/common/AnnuityLoanPeriod.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/common/Period.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/common/SerialLoanPeriod.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/common/Utils.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freecard/calc/FreeCard.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freecard/calc/RateAnnuityCalc.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freecard/result/FreeCardResult.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoan.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoanException.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthCalc.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthSeparateCalc.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/calc/PriceStorageStep.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/result/AnnuityLoanResult.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/result/FreeLoanResult.java
 create mode 100644 src/main/java/no/finansportalen/freecalc/freeloan/result/SerialLoanResult.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/FreeCalcTest.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freecard/FreeCardTest.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freecard/FreeCardTestInput.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freecard/JsonProduct.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freecard/JsonResult.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freeloan/FreeLoanTest.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freeloan/JsonProduct.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freeloan/JsonResult.java
 create mode 100644 src/test/java/no/finansportalen/freecalc/freeloan/JsonResultPeriod.java
 create mode 100644 src/test/resources/freecard/creditcarddata.json
 create mode 100644 src/test/resources/freecard/testCase1Results.json
 create mode 100644 src/test/resources/freecard/testCase2Results.json
 create mode 100644 src/test/resources/freecard/testCase3Results.json
 create mode 100644 src/test/resources/freecard/testCase4Results.json
 create mode 100644 src/test/resources/freeloan/annuityLoanJSResults.json
 create mode 100644 src/test/resources/freeloan/annuityLoanJSResultsDiffParams1.json
 create mode 100644 src/test/resources/freeloan/annuityLoanJSResultsDiffParams2.json
 create mode 100644 src/test/resources/freeloan/annuityLoanJSResultsDiffParams3.json
 create mode 100644 src/test/resources/freeloan/annuityLoanJSResultsDiffParams4.json
 create mode 100644 src/test/resources/freeloan/boliglan_published.json
 create mode 100644 src/test/resources/freeloan/serialLoanJSResults.json
 create mode 100644 src/test/resources/freeloan/serialLoanJSResultsDiffParams1.json
 create mode 100644 src/test/resources/freeloan/serialLoanJSResultsDiffParams2.json
 create mode 100644 src/test/resources/freeloan/serialLoanJSResultsDiffParams3.json
 create mode 100644 src/test/resources/freeloan/serialLoanJSResultsDiffParams4.json

diff --git a/.gitignore b/.gitignore
new file mode 100644
index 0000000..aa69622
--- /dev/null
+++ b/.gitignore
@@ -0,0 +1,12 @@
+*/bin
+*/target
+*/.classpath
+*/.project
+*/.settings
+target
+/.project
+/.settings
+.idea
+*.iml
+*.classpath
+out
\ No newline at end of file
diff --git a/JS scripts/FreeLoanJS.html b/JS scripts/FreeLoanJS.html
new file mode 100644
index 0000000..28ad17d
--- /dev/null
+++ b/JS scripts/FreeLoanJS.html	
@@ -0,0 +1,5593 @@
+<html><head>
+<meta http-equiv="content-type" content="text/html; charset=UTF-8">
+<title>Test boliglånsrente</title>
+<!-- <script type="text/javascript" charset="iso-8859-1" src="FreeLoan%201.1_files/boliglandata.js"></script>  -->
+<script type="text/javascript" charset="iso-8859-1" src="boliglandata.js"></script>
+<!--comment>Det er en egen feed på "http://www.finansportalen.no/feed/v2/boliglansrenter.js" for den portable kalkulatoren. Men her er ikke
+renteberegningsmetoden angitt (kalkulatoren forutsetter etterskudd). Derfor en separat feed for uttesting</comment-->
+<script> 
+<!--
+
+
+
+/*      
+
+                                                                                                            
+                                                                                                            
+FFFFFFFFFFFFFFFFFFFFFF                                                          LLLLLLLLLLL                                                                 
+F::::::::::::::::::::F                                                          L:::::::::L                                                                 
+F::::::::::::::::::::F                                                          L:::::::::L                                                                 
+FF::::::FFFFFFFFF::::F                                                          LL:::::::LL                                                                 
+  F:::::F       FFFFFFrrrrr   rrrrrrrrr       eeeeeeeeeeee        eeeeeeeeeeee    L:::::L                  ooooooooooo     aaaaaaaaaaaaa  nnnn  nnnnnnnn    
+  F:::::F             r::::rrr:::::::::r    ee::::::::::::ee    ee::::::::::::ee  L:::::L                oo:::::::::::oo   a::::::::::::a n:::nn::::::::nn  
+  F::::::FFFFFFFFFF   r:::::::::::::::::r  e::::::eeeee:::::ee e::::::eeeee:::::eeL:::::L               o:::::::::::::::o  aaaaaaaaa:::::an::::::::::::::nn 
+  F:::::::::::::::F   rr::::::rrrrr::::::re::::::e     e:::::ee::::::e     e:::::eL:::::L               o:::::ooooo:::::o           a::::ann:::::::::::::::n
+  F:::::::::::::::F    r:::::r     r:::::re:::::::eeeee::::::ee:::::::eeeee::::::eL:::::L               o::::o     o::::o    aaaaaaa:::::a  n:::::nnnn:::::n
+  F::::::FFFFFFFFFF    r:::::r     rrrrrrre:::::::::::::::::e e:::::::::::::::::e L:::::L               o::::o     o::::o  aa::::::::::::a  n::::n    n::::n
+  F:::::F              r:::::r            e::::::eeeeeeeeeee  e::::::eeeeeeeeeee  L:::::L               o::::o     o::::o a::::aaaa::::::a  n::::n    n::::n
+  F:::::F              r:::::r            e:::::::e           e:::::::e           L:::::L         LLLLLLo::::o     o::::oa::::a    a:::::a  n::::n    n::::n
+FF:::::::FF            r:::::r            e::::::::e          e::::::::e        LL:::::::LLLLLLLLL:::::Lo:::::ooooo:::::oa::::a    a:::::a  n::::n    n::::n
+F::::::::FF            r:::::r             e::::::::eeeeeeee   e::::::::eeeeeeeeL::::::::::::::::::::::Lo:::::::::::::::oa:::::aaaa::::::a  n::::n    n::::n
+F::::::::FF            r:::::r              ee:::::::::::::e    ee:::::::::::::eL::::::::::::::::::::::L oo:::::::::::oo  a::::::::::aa:::a n::::n    n::::n
+FFFFFFFFFFF            rrrrrrr                eeeeeeeeeeeeee      eeeeeeeeeeeeeeLLLLLLLLLLLLLLLLLLLLLLLL   ooooooooooo     aaaaaaaaaa  aaaa nnnnnn    nnnnnn
+
+
+FREELOAN  - loan functions made for Finansportalen.no by Jon Erland Madsen. 
+
+
+
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        DERVIATION OF FORMULAS USED IN FREELOAN                     <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      DERVIATION OF FORUMLA FOR THE PRESENT VALUUE OF A SERIAL LOAN           ////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+SERIAL LOAN
+
+A serial loan is a loan for which the debt is repaid in equal installments on each interest due date. As the outstanding debt decreases 
+throughout the maturity of the loan, the interest payments, and hence the overall payments, get lower for each due date.
+
+
+THE PLAN
+
+First, we dervie the formula for the present value of a serial loan. Then we transform this formula to a function that we can differentiate.
+The differentiate function is used during the iterations we have to undertake in order to compute the interest rate.
+
+
+THE PRESENT VALUTE
+
+During the derivation, we use these symbols:
+
+l =     net loan received by the borrower  - (what the borrower actually receives might be different from the booked principal)
+i =     the index of the actual term
+n =     the number of loan terms
+r = nominal interest rate per term
+e =     effective interest rate per term
+f =     fee paid every term/due date
+s =     sum start fees / orginations fees (paid at the start of the loan period)
+a =     installment per term. In a serial loan, this amount is the same for each term
+
+
+Installment each term is computed from the gross principal - the amount that the borrower initially receives plus eventual start fees:
+
+
+    a = (l+s)/n 
+
+
+Each due date, we pay this installment plus interest on the outstanding debt plus eventual periodical fee. Here, for term number 'i':
+
+
+    a + a*(n-i+1)*r + f
+
+
+In order to compute the present value of this payment, we must divide by a discount factor that contains the effective interest rate, 'e'.
+
+When the interest rate is written as decimal rate (5% written 0,05), the discount factor could be written:
+
+
+    (1+e)
+
+
+The discounted payment for period 'i', thus, is:
+
+
+    (a + a*(n-i+1)*r + f) / (1+e)^i
+
+
+For simpler notation, we introduce the help symbol 'k':
+
+
+    k = 1/(1+e)
+
+
+The payment on due date number 'i', thus:
+
+
+    (a + a*(n-i+1)*r + f)*k^i
+
+
+The present value of all the periodical payments is: 
+
+
+    PV = (a + t + a*(n-1+1)*r)*k^1 + (a + t + a*(n-2+1)*r)*k^2 +...+ (a + t + a*(n-n+1)*r)*k^n
+
+
+Generally, the present value of payment number 'i':
+
+
+    (a + t + a*(n-i+1)*r )*k^i
+
+
+As payments are made at the end of each term, so that interest is accumulated before the payment, there is no payment in 
+period zero. Ther first payment is at the end of period one. Thus, we sum up all the payments from i = 1 until i = n:
+
+
+    PV = ∑ (a + t + a*(n-i+1)*r )*k^i
+
+
+Could be written:
+
+
+    PV =( ∑ (a+t)*k^i) + (a * r *∑(n-i+1)*k^i)
+    
+
+The first expression after the equal sign is a geometric progression (the nominal installment and the fee is the same in all terms). The last 
+expression is not, as 'i' changes from term to term. But we can still rearrange a little:
+
+
+    PV = (∑ (a+t)*k^i)  + (a * r *∑n*k^i) + (a * r * ∑(-i+1)*k^i) 
+
+
+We are going to perform iterations, where we compute the present value of the sequence for a number of guesses on the discount factor 'k'. 
+(Our ultimate goal is to find the effective interest rate, easily found when we know 'k'). As the formula looks now, we would have to 
+compute every term of the loan. Neither could we differentiate a function with the sum sign ∑, so that Newton's method (more on that later) 
+would not be immediately applicable. Hence, we will try try to get rid of the ∑s.
+
+
+The two first of the three expressions to the right of the equal sign are geometric progressions. The third, we shall develop a little further:
+
+
+    (a * r * ∑(i+1)*k^i)
+
+
+Someone walking this path before, discovered that this expression has common features with the power rule for differentiation:
+
+
+|*******************************************************************************|
+|                                       |
+|   RULE FOR DIFFERENTIATION OF (k^i)':                 |
+|                                       |
+|   (k^i)' = i*k^(i-1)                          |
+|                                       |
+|   (http://en.wikipedia.org/wiki/Power_rule)               |
+|                                       |
+|_______________________________________________________________________________|
+
+
+Thus (k^(i+1))' = (i+1)*k^i
+
+
+In order to benefit from this, we must rearrange the present value expression above:
+
+
+    PV = (∑ (a+t)*k^i)  + (a * r *∑n*k^i) + (a * r * ∑(-i+1)*k^i) 
+
+
+The last term:
+
+
+    (a * r * ∑(-i+1)*k^i) = - (a * r * ∑(i-1)*k^i)      // Extracted -1
+
+
+    (a * r * ∑(i-1)*k^i) = (a * r * ∑(i+1)*k^i) - (a * r * ∑2*k^i)  // (i+1) = (i-1) + 2
+
+
+    (a * r * ∑(-i+1)*k^i) = (a * r * ∑2*k^i) - (a * r * ∑(i+1)*k^i)
+
+
+The present value of a series of payments thus becomes:
+
+
+    PV = (∑ (a+t)*k^i)  + (a * r *∑n*k^i)  + (a * r * ∑2*k^i) - (a * r * ∑(i+1)*k^i) 
+
+
+The last term now equals the differential of another term - conf. the rule above: f(x) = y^n -> f'(x) = n*y^(n-1)
+
+
+    (a * r * ∑(i+1)*k^i) = a * r * ∑(k^(i+1))'
+
+
+Furthermore, if we look at the the right hand side, we can swap derivation and summation:
+
+
+    a * r * ∑(k^(i+1))' = a * r * (∑k^(i+1))'
+
+
+
+|*******************************************************************************|
+|                                       |
+|                                       |
+|   FORMULA FOR ∑k^(i+1) -  (THE SUM OF A SPECIAL GEOMETRIC PROGRESSON)     |
+|                                       |
+|   Inside the sum sign, we now have a geometric progression. Summed from   |
+|   i = 1 until i = n  it looks like this:                  |
+|                                       |
+|           sum = ∑k^(i+1)                      |                                       |
+|                                       |
+|       I   sum = k^2 + k^3 + ... + k^(n + 1)           |
+|                                       |
+|   We form a new progression by multiplying all terms by k:        |
+|                                       |
+|       II  sum) * k = k^3 + k^4 +... + k^(n + 2)           |
+|                                       |
+|   We subtract I fra II:                           |
+|                                       |
+|       II - I  sum * k - sum = k^(n + 2) - k^2             |
+|                                       |
+|       II - I  (k - 1) * sum = k^(n + 2) - k^2             |
+|                                       |
+|           sum = (k^(n + 2) - k^2) / (k - 1)           |   
+|                                       |   
+|           ∑k^(i+1) = (k^(n + 2) - k^2) / (k - 1)          |   
+|                                       |
+|                                       |
+*********************************************************************************
+
+
+Now, we combine three expressions. First, the original sequence:
+
+
+    I   PV = (∑ (a+t)*k^i)  + (a * r *∑n*k^i)  + (a * r * ∑2*k^i) - (a * r * ∑(i+1)*k^i)
+
+The last term in the expression can be written as the derived of another function:
+
+    II  ∑(i+1)*k^i = (∑k^(i+1))'
+
+We can swap the content of the right hand paranthesis with the sum formula we just derived:
+
+    III (∑k^(i+1))' = ((k^(n+2) - k^2) / (k-1))'    
+
+The right hand side of III is a quotient - one function of 'k' divided by another. We perform the differentiation according to the rules 
+for the differentiation of a quotient:
+
+
+
+|*******************************************************************************|
+|                                       |
+|   RULE FOR DIFFERENTIATION OF QUOTIENT                    |
+|                                       |
+|   f(x) = t/n                              |
+|                                       |
+|   f(x)' = (t'*n - t*n')/ n^2                      |
+|                                       |
+|   (http://en.wikipedia.org/wiki/Quotient_rule)                |
+|                                       |
+*********************************************************************************
+
+
+
+    III     (∑k^(i+1))' = ((((n+2)*k^(n+1) - 2*k)*(k-1)) - (k^(n+2) - k^2)) / (k-1)^2 
+
+
+We can now insert this expression into the expression for the present value of the whole sequence:
+
+
+    I + III PV = (∑ (a+t)*k^i)  + (a * r *∑n*k^i)  + (a * r * ∑2*k^i) - (a * r * ((((n+2)*k^(n+1) - 2*k)*(k-1)) - (k^(n+2) - k^2)) / (k-1)^2 ) 
+
+
+The sum signs in the first parantheseses could be replaced with the formula for the sum. We will again make at taylormade version of this:
+
+
+
+|*******************************************************************************|
+|                                       |
+|   FORMULAS FOR THE SUM OF THREE SPECIAL GEOMETRIC PROGRESSONS     |
+|                                       |
+|                                       |
+|   For ∑ (a+t)*k^i:                            |
+|                                       |
+|   ∑ (a+t)*k^i is a geometric progression. Summed up from i = 1 until      |
+|   i = n, it looks like this:                      |
+|                                       |
+|           sum = ∑(a+t)*k^i                    |
+|                                       |
+|       I   sum = (a+t)*k^1 + (a+t)*k^2 + ... + (a+t)*k^n       |
+|                                       |
+|   We create a new progression by multiplying all terms in I by 'k':   |
+|                                       |
+|       II  sum * k = (a+t)*k^2 + (a+t)*k^3 +... + (a+t)*k^(n + 1)| |
+|                                       |
+|   We subtract II from I:                          |
+|                                       |
+|       II - I  sum * k - sum = (a+t)*k^(n + 1) - (a+t)*k       |
+|                                       |
+|       II - I  (k - 1) * sum = (a+t)*(k^(n + 1) - k)           |
+|                                       |
+|           sum = (a+t)*(k^(n + 1) - k) / (k - 1)           |
+|                                       |
+|                                       |
+|   For a*r*∑n*k^i:                             |
+|                                       |
+|   For the second sum sign, a*r*∑n*k^i, the formula correspondingly is:    |
+|                                       |
+|           sum = a*r*n*(k^(n + 1) - k) / (k - 1)           |
+|                                       |
+|                                       |
+|   For a*r*∑2*k^i:                             |
+|                                       |
+|   For the third sum sign, a*r*∑2*k^i, the formula becomes:        |
+|                                       |
+|           sum = a*r*2*(k^(n + 1) - k) / (k - 1)           |
+|                                       |
+|                                       |
+*********************************************************************************
+
+    
+We insert these too into I + III and get the dream expression:
+
+
+    PV = ((a+t)*(k^(n + 1) - k) / (k - 1))  + a * r * n *(k^(n + 1) - k) / (k - 1) + a * r *2*(k^(n + 1) - k) / (k - 1) - (a * r * ((((n+2)*k^(n+1) - 2*k)*(k-1)) - (k^(n+2) - k^2)) / (k-1)^2) 
+
+
+Rearranged:
+
+
+    PV = (((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2) 
+
+
+
+
+|********************************************************************************************************************************************************
+|                                                                           |
+|   THE PRESENT VALUE OF A SERIAL LOAN                                                      |
+|                                                                           |
+|   PV = (((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2)     |
+|                                                                           |
+|                                                                           |
+*********************************************************************************************************************************************************
+
+
+The beauty within this ugliness, is that the summation sign ∑ is gone. The computer finds 'PV' in a wink. The function is also differentiable.
+
+
+
+NEWTON'S METHOD - THE TANGENT LINE POINTS IN THE GENERAL DIRECTION OF THE TARGET
+
+IN the forumula above, 'k' is the only unknown. The other variables should transpire from the bank's price list. No formula can give the discount 
+rate 'k' directly. We have to make a guess as to what 'k' might be, compute the present value given that guess, compare the resulting present value 
+to the original loan that we received and make a new guess for 'k', thus gradually narrowing the solution area.
+
+The problem might be viewed as a function line in a chart with 'k' on one axis and 'PV' on the other. But our function is "uni-directional". We
+can compute 'PV' when we know 'k', but not the other way around. We have to move 'k' back and forth along its axis until we hit 'PV' with the 
+exactness we want. If we envisage this as a mechanical, two dimentional system, we would achieve this pretty quick. But the best mathematical method
+was made by Newton. It is described in Wikipedia, where there is also (in 2013) a very good animated illustration of the method:
+
+http://en.wikipedia.org/wiki/Newton%27s_method
+
+(Although the method is strikingly simple, almost self-evident, it achives an satisfactory accuracy within normally only 4 iterations. Other methods,
+as dividing the possibility area in two, deciding within wich half the answer will reside, and repeating this, normally requires 20-40 iterations
+to reach the same excactness).
+
+To use Newton's method, we first must transform the formula above, that is valid only for one 'k', into a continous function. Thereafter, we 
+will differentiate this function.
+
+
+
+    PV = (((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2)  
+
+    f(k) =  (((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2)  - PV
+
+
+So exactly what is our 'PV'? It is the sum we actually walked out of the bank with the day we took up the loan. Often, the bank will write another 
+amount in its papers - the difference might be fees - but that is irrelevant here. In order to find the effective interest rate, We are only 
+interested in what you actually payed and what you actually received. We call the sum you rreceived 'loan_net':
+
+
+    f(k) =  (((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2) - loan_net
+
+
+The effective interest rate is "hidden" within 'k'. Hence, we differentiate with respect to 'k'. Some algebra might follow:
+
+
+    f(k) =  (((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2) - loan_net
+
+
+    The expression is big, and we will differentiate the three terms to the right of the equal sign seperately. We shall name The two 
+    first, that contain 'k', 'f1(k)' og 'f2(k)':
+
+
+        f(k) = f1(k) + f2(k) - loan_net
+
+        f(k)' = f1(k)' + f2(k)' // The differentiated constant 'loan_net' equals zero
+
+        f1(k) = ((a + t) + a * r * (n + 2)) * (k^(n + 1)-k)/(k - 1)     // The first term in the expression f(k) above
+
+        f2(k) = (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)) / (k - 1)^2)  // The second term in f(k) - note the omission of the minus sign
+
+
+    Both the terms f1(k) and f2(k) are quotients and must be differentiated according to the rule: 
+    f(x) = t/n -> f(x)' = (t'*n - t*n')/ n^2 (http://en.wikipedia.org/wiki/Quotient_rule):  
+
+
+        We identify nominator and denominater in 'f1(k)' og 'f2(k)':
+
+
+        f1t(k) = ((a+t) + a* r *(n + 2))*(k^(n + 1) - k)            // Nominator first term
+
+        f1n(k) = k - 1                              // Denominator first term
+
+        f2t(k) = a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2))// Nominator second term
+
+        f2n(k) = (k-1)^2                            // Denominator second term
+
+
+        The function we now call 'f2t(k)' contains a term where two functions of 'k' are multiplied with each other. Hence, we split
+        'f2t(k)' in order to differentiate the parts separately:
+
+
+
+            f2t(k) = a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2))   
+
+            Inside the expression, there is a product of two functions of 'k' that we will call 'P':
+
+            P = ((n + 2)*k^(n + 1) - 2*k)*(k - 1)
+            
+            f2t(k) = a * r *(P - (k^(n + 2) - k^2))
+
+
+            |*******************************************************************************|
+            |                                       |
+            |   RULE FOR DIFFERENTIATION OF PRODUCT:                    |
+            |                                       |
+            |   f(x) = a(k) * b(k)                          |
+            |                                       |
+            |   f(x)' = a(k)'*b(k) + a(k)*b(k)'                     |
+            |                                       |
+            |   (http://en.wikipedia.org/wiki/Product_rule)             |
+            |                                       |
+            *********************************************************************************
+
+            
+            P' = ((n + 1)*(n + 2)*k^n - 2)*(k - 1) + ((n + 2)*k^(n + 1) - 2*k)
+
+            f2t(k)' = a * r *(P' - (n+2)*k^(n + 1) + 2*k)
+
+            We put P' back in:
+
+            f2t(k)' = a * r *(((n + 1)*(n + 2)*k^n - 2)*(k - 1) + ((n + 2)*k^(n + 1) - 2*k) - (n+2)*k^(n + 1) + 2*k)
+
+    
+        Then, we differentiate the four sub-functions:
+
+
+    
+            f1t(k) = ((a+t) + a* r *(n + 2))*(k^(n + 1) - k)            // Nominator first term
+
+            f1n(k) = k - 1                              // Denominator first term
+
+            f2t(k) = a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2))// Nominator second term
+
+            f2n(k) = (k-1)^2                            // Denominator second term
+
+
+
+            f1t(k)' = ((a+t) + a * r * (n + 2)) * ((n+1)*k^n - 1)
+
+            f1n(k)' = 1
+
+            f2t(k)' = a * r *(((n + 1)*(n + 2)*k^n - 2)*(k - 1) + ((n + 2)*k^(n + 1) - 2*k) - (n+2)*k^(n + 1) + 2*k)
+
+            f2n(k)' = 2 * (k - 1)
+
+
+    Its time to reassamble the parts: 
+
+
+        f(k)' = f1(k)' + f2(k)'
+
+        f(k)' = (f1t(k)' * f1n(k) - f1t(k) * f1n(k)') / f1n(k)^2 + (f2t(k)' * f2n(k) - f2t(k) * f2n(k)') / f2n(k)^2
+
+
+    We write the differentiated of the first term, f1(k)', according to the quotient rule f(x) = t/n -> f(x)' = (t'*n - t*n')/ n^2:
+
+
+        f1(k)' = (f1t(k)' * f1n(k) - f1t(k) * f1n(k)') / f1n(k)^2
+
+        f1(k)' = (((a+t) + a * r * (n + 2)) * ((n+1)*k^n - 1) * (k - 1 ) - ((a+t) + a* r *(n + 2))*(k^(n + 1) - k)) / (k - 1)^2
+
+
+    The second term, f2(k)',folloowing the same recipe:
+
+
+        f2(k)' = (f2t(k)' * f2n(k) - f2t(k) * f2n(k)') / f2n(k)^2
+
+        f2(k)' = ((a * r *(((n + 1)*(n + 2)*k^n - 2)*(k - 1) + ((n + 2)*k^(n + 1) - 2*k) - (n+2)*k^(n + 1) + 2*k))*((k-1)^2) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)))*2 * (k - 1))/(k-1)^4
+
+
+And then, the whole, differentiated function:
+
+
+    f(k)' = f1(k)' + f2(k)' // The general rule, but..
+
+    f(k)' = f1(k)' - f2(k)' // .. We omitted the minus sign in front of f2(k) to make differentiation simpler. Here, it comes back:
+
+    f(k)' = (((a+t) + a * r * (n + 2)) * ((n+1)*k^n - 1) * (k - 1 ) - ((a+t) + a* r *(n + 2))*(k^(n + 1) - k)) / (k - 1)^2 - ((a * r *(((n + 1)*(n + 2)*k^n - 2)*(k - 1) + ((n + 2)*k^(n + 1) - 2*k) - (n+2)*k^(n + 1) + 2*k))*((k-1)^2) - (a * r *((((n + 2)*k^(n + 1) - 2*k)*(k - 1)) - (k^(n + 2) - k^2)))*2 * (k - 1))/(k-1)^4
+
+
+We now have a formula for the present value of a serial loan, containing all but one variable that we should be able to read directly
+from the bank's price list: The effective interest rate. We can compute the effective interest rate by repeated guesses, where Newton's
+method, requiering that we differentiate the formula, gives the best estimate of the next guess.
+
+When we've found the discount factor 'k', we can compute the effective interest rate through the formula k = 1/(1+e) -> e = 1/k - 1
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      (END - DERVIATION OF FORUMLA FOR THE PRESENT VALUUE OF A SERIAL LOAN)           ////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      DERIVATION OF A FORMULA FOR ANNUITY-IMMDEIDATE      ////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+ANNUITY IMMEDIATE (OR ORDINARY ANNUITIES) PAID AT THE END OF EACH PERIOD
+ 
+"An annuity is a terminating "stream" of fixed payments, i.e., a collection of payments to be periodically made over a specified period of 
+time" (Wikipedia). 
+
+The fixed payments contain both an interest part and an installment part, but as the loan is gradually repaid on each interest due date, the 
+installment share of each annuity grows and the interest share shrinks.
+
+"If the payments are made at the end of the time periods, so that interest is accumulated before the payment, the annuity is called an 
+annuity-immediate, or ordinary annuity "(Wikipedia).
+
+The derivation below applies to ordinary annuities.
+
+
+NOTATION / ASSUMPTIONS
+
+
+It will be easier to read the expressions when we use the short form of the variable names:
+
+
+|*******************************************************************************|
+|               | Symbol        | Variable name     |
+|_______________________________|_______________________|_______________________|
+| Loan, original principal *    | PV            | loan          |
+| Nominal, term interest rate   | r         | rate          |
+| Number of payments        | n         | termnumber        |
+| Periodical payment        | a         | annuity       |
+|               |           |           |
+|*******************************************************************************|
+
+
+* The bank computes the annuity out of your original debt to the bank - the principal at the start of the loan. This might deviate
+from the amount you actually receive. Fees could make up the difference. 
+
+The present value of a loan is smaller than the sum of your payments, as a dollar paid later feels less painful than one paid now. This is why
+borrowers are willing to pay more back than they receive. Lenders are willing to wait for their money, given that they receive more later.
+
+The word "annuity" implies annual payments. But monthly payments are more common now, and "math-wise" the length of the periods is irrelevant. 
+All that we demand, is that the periods have the same length (or, to be very precise - that the periodical interes rate is the same for all
+periods).
+
+If the annual interest rate is 5%, the present value of an annuity 'a' payable in one year is PV = a/1,05
+
+The present value of this annuity plus a similar annuity payable in two years will be PV = a/1,05 + a/(1,05)^2
+
+We use '^' as notation for "in the power of", as in Excel spreadsheets.
+
+(This math procedure, dividing each term with a growth factor, is called "to discount").
+
+We imagine the interest rate 'r' on decimal form, so that five percent is written 0,05. Generally, the growth factor is written '(1+r)'
+
+We presume annuity-immediate, so that the first payment is made at the end of the first period. Hence, we have no zero term, as you
+often have in Math books' examples.
+
+
+
+ANNUITY FORMULA
+
+We formulate the sequence of payments thus, saying that the present value is the sum of all the discounted payments. In this general 
+case, we don't know exactly how many terms there are, so we leave a gap in the middle: 
+ 
+
+I   PV = a/(1+r) + a/((1+r)^2) + a/((1+r)^3) + .. + a/((1+r)^n)
+
+
+All terms on the right hand side have a common growth factor, '1/(1+r)'. In order to make the expressions more easy to read, we introduce 
+the variable 'k':
+
+
+k = 1/(1+r)
+
+We substitue 'k' for '1/(1+r)':
+
+
+I   PV = a*k + a*k^2 + a*k^3 + .. + a*k^n
+
+
+We introduce a second equation, similar to the first, but where we have multiplied all terms by 'k':
+
+
+II  PV*k = a*k^2 + a*k^3 + a*k^4 + .. + a*k^(n+1)
+
+
+We subtract II from I. Many of the terms of the two sequences are the same and disappear. We are left with:
+
+
+PV - PV*k = a*k - a*k^(n+1)
+
+
+This expression can be rearranged, here with respect to the annuity 'a':
+
+=>  PV (1 - k) = a (k - k^(n+1))
+
+=>  PV = a (k - k^(n+1))/(1 - k)
+
+=>  a = PV (1 - k)/(k - k^(n+1))
+
+In javascript notation:
+
+a = PV * (1 - k) / (k - Math.pow(k,n+1));   
+
+
+WHen we subsitute the symbols for the variable names in the table above, we get:
+
+
+annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));
+
+    
+
+
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-IMMEDIATE:                      |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));      |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      (END - DERIVATION OF A FORMULA FOR ANNUITY-IMMDEIDATE)       ///////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      DERIVATION OF A FORMULA FOR ANNUITY-DUE         ////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+ANNUITY-DUE - WHERE THE ANNUITIES ARE PAID IN ADVANCE - AT THE BEGINNING OF EACH PERIOD
+ 
+For definitions, see derivation of annuity-due. The difference from annuity-immediate, is that the first period is period zero (the moment we 
+receive the loan)
+
+
+ANNUITY FORMULA
+
+
+PV -> The present value of an annuity-due payment stream (when we compute effective interest rate, the present value is the initil size of the loan).
+a  -> The annuity in an annuity-due stream
+r  -> The periodic interest rate
+n  -> Number of payment periods
+
+We formulate the sequence of payments thus, saying that the present value is the sum of all the discounted payments. In this general 
+case, we don't know exactly how many terms there are, so we leave a gap in the middle. The first payment shall not be discounted, as no time
+has passed and no interest accured yet.
+
+In order for the loan to run 'n' periods, since we start in period zero, the last payment happens in period 'n-1':
+ 
+
+I   PV = a + a/(1+r) + a/((1+r)^2) + a/((1+r)^3) + .. + a/((1+r)^(n-1))
+
+
+All terms on the right hand side have a common growth factor, '1/(1+r)'. In order to make the expressions more easy to read, we introduce 
+the variable 'k':
+
+k = 1/(1+r)
+
+We substitue 'k' for '1/(1+r)':
+
+
+I   PV = a + a*k + a*k^2 + a*k^3 + .. + a*k^(n-1)
+
+
+We introduce a second equation, similar to the first, but where we have multiplied all terms by 'k':
+
+
+II  PV*k = a*k + a*k^2 + a*k^3 + a*k^4 + .. + a*k^n
+
+
+We subtract II from I. Many of the terms of the two sequences are the same and disappear. We are left with:
+
+
+I - II  PV - PV*k = a - a*k^n
+
+
+This expression can be rearranged:
+
+
+=>  PV * (1 - k) = a * (1 - k^n)
+
+=>  PV = a * (1 - k^n)/(1 - k)
+
+=>  a = Pd * (1 - k)/(1 - k^n)
+
+
+In javascript notation:
+
+
+PV = a * (1 - Math.pow(k,n))/(1 - k); // (The traditional way to write the sum of a geometric progression)
+
+a = PV * (1 - k) / (1 - Math.pow(k,n)); 
+
+
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-DUE:                        |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));        |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      (END - DERIVATION OF A FORMULA FOR ANNUITY-DUE)          ///////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+
+
+
+
+
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        (END - DERVIATION OF FORMULAS USED IN FREELOAN)                 <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
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+
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+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        COMMON FUNCTIONS                                <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+
+
+
+
+
+function roundoff(number, direction, presision)
+{
+/*
+
+Rounds 'nummber' according to the parameters 'presision' and 'direction':
+
+direction =>    0, false or absent: Normal rounding rules apply 1: Rounds up 2: Rounds down
+presision =>    0, false or absent: Rounds to two decimals 1: Rounds to integer
+
+*/
+
+var roundfact;
+
+if (!presision || presision == 0) roundfact = 100; else roundfact = 1;
+
+if (direction == 1) return Math.ceil(number*roundfact)/roundfact;
+
+else if (direction == 2) return Math.floor(number*roundfact)/roundfact;
+
+else return Math.round(number*roundfact)/roundfact;
+
+/* END function roundoff() */}
+
+
+
+
+
+
+/*¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        (END - COMMON FUNCTIONS)                            <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+
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+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function freeLoan(
+received,       // OBLIGATORY: The loan amount received by the borrower. (Due to fees, this might deviate from the principal in the bank's books).
+
+// NEW IN VERSION 1.1.: (new parameter 'firstpayment')
+firstpayment,       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' >0, the number of periods are computed*)
+numberofperiods,    // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+// END - NEW IN VERSION 1.1.
+
+periods_per_year,   // OBLIGATORY: In order to compute annual, effective interest rate, som connection to years must be made.
+serial,         // 0, 'false' or omitted: Annuity loan. 'true'/'on'/1 = Serial loan.
+balloon,        // 0, 'false' or omitted: Zero. Integer > 0: The planned residual value of the loan ("balloon") to be paid when the loan period is over.
+interestonly_periods,   // 0, 'false' or omitted: zero. Integer > 0: The initial interest-only period wanted by the borrower
+round_direction,    // 0, 'false' or omitted: Annuities are rounded after normal rules  1: Rounded up 2. Rounded down
+round_presision,    // 0, 'false' or omitted: Payment rounded to nearest 1/100  1: ..rounded to nearest integer
+remainder_handling, // 0, 'false' or omitted: The "global" remainder at the end of the loan period is payed / compensated with the last payment 1: ..is ignored
+ignore_origination, // 0, 'false' or omitted: Origination fee added to the loan and included in the computation. 1 or true: Computation performed without origination fee **)
+annuity_due,        // 0, 'false' or omitted or "immediate":  Annuity-immediate 1, "true" or "due": Annuity_due ***)
+capitalization_freq,    // 0, 'false' or omitted: 12 (Capitalization 12 times a year). Integer>0: Any number of capitalizations per year.
+interestonly_periods_max,// 0, 'false' or omitted: 0. Integer >= 0: The maximal interest only-period offered by the bank. In years. 
+fee_processing,     // 0, 'false' or omitted: 0. Number >= 0: Processing fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period.  ****)
+fee_document,       // 0, 'false' or omitted: 0. Number >= 0: Document preparation fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period. ****)
+fee_percentage,     // 0, 'false' or omitted: 0 .Number >= 0: Percentage fee: One-time fee to be payed at the beginning of the loan period computed out of the principle (gross loan). 2 = 2%. ****)
+fee_period_perc,    // 0, 'false' or omitted: No percentage fee. Integer: Percentage. Loans given as a credit line have a periodical has a fee as a percentage of principal PER PERIOD 
+rate_thresholds,    // 0, 'false' or omitted: No - intial interest rate is fixed for the whole loan for the whole loan period. 1 or 'true': Rate might change *****)
+rate_segments,      // 0, 'false' or omitted: No - all segments of the loan has the same interes rate. 1 or 'true': Every segment might have separate interest rates. ******)
+price_storage,      // OBLIGATORY: The parmeter 'price_storage' is a two-dimentional array. It must have at least one interest rate, in 'price_storage[1][4]'. 'price_storage[0]' is not expected nor used.*******)
+accuracy)       // OBLIGATORY (FOR ADMINISTRATOR) 0: Fast, inaccurate 1: Normal 2: Extremely accurate. Only for serial loans. Does not apply to annuity loans.
+/*
+
+// NEW IN VERSION 1.1.: (new parameter 'firstpayment' in this documentation)
+freeLoan(received,firstpayment, numberofperiods,periods_per_year,serial,residual,interestonly_periods,round_direction,round_presision,remainder_handling,ignore_origination,annuity_due,capitalization_freq,interestonly_periods_max,fee_processing,fee_document,fee_percentage,fee_period_perc,rate_thresholds,rate_segments,price_storage,accuracy)   
+// END - NEW IN VERSION 1.1.    
+
+
+    
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      WHAT THE FUNCTION DOES:     ////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+The function computes effective annual percentage rate (EAPR) for a loan. As a side product, other values that could come useful are 
+computed too. All results are returned in the array 'result', which is defined differently for serial loans and annuity loans.
+
+
+The content of 'result' for an annuity loan:
+
+
+result[0] -> Effective annual interest rate
+result[1] -> residue: What is left of the loan in the last term due to rounding
+result[2] -> The array 'interval_data', that contains:
+    
+    result[2][x][0] -> payment          Net periodic payment, exclusive of fees, rounded
+    result[2][x][1] -> number of terms;         The number of periodic payments it takes to pay down this segment of the loan
+    result[2][x][2] -> periodic fee         Practical to have here
+    result[2][x][3] -> adjusted lower segment limit Since the number of periods must be and integer, you rarely hit the segment limit 
+                            accurately. The next segments limits must be adjusted accordingly.
+    result[2][x][4] -> upper segment limit      Normally the same as 'price_storage[step][2]', but could also be adjusted
+    result[2][x][5] -> remainder;           Fractions of cents we pay to little or too much each time due to rounding
+
+// NEW IN VERSION 1.1.:(result[3] added. 'firstpayment' explained)
+result[3] -> Number of periods for payback.If the annuity - 'firstpayment' - is present, this variable should contain the number of terms.
+
+firstpayment,       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' >0, the number of periods are computed*)
+numberofperiods,    // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+// END - NEW IN VERSION 1.1.
+
+
+The content of 'result' for a serial loan:
+
+
+result[0] -> effective annual interest rate
+result[1] -> remainder
+result[2] -> array with one 'i' for every single payment during the whole loan period:
+
+    result[2][i][0]  -> The whole rounded payment for period 'i', included installment and fees. 
+    result[2][i][1]  -> The installment for peroid 'i'
+    result[2][i][2]  -> The fee for period 'i'
+
+// NEW IN VERSION 1.1.: (result[3] added)
+result[3] -> Number of periods for payback.If the first payment - 'firstpayment' - is present, this variable should contain the number of terms.
+// END - NEW IN VERSION 1.1.
+
+The function handles three different types of loan segments:
+
+
+i)      Normal: The interest rate for the whole loan is determined by the initial size of the principal when the loan is given. The rate does not 
+    change during the loan period. This is the most common and the simplest model.
+
+ii)     Thresholds: The interest rate for the whole loan changes when the principal passes certain thresholds (the parameter 
+    'rate_thresholds' == true). For instance, for a loan on 1,5 million, the rate might be 3.5% until it is paid off below 1 million, 
+    when the interes rate might rise to 3.75%. But there is only one rate at the time for the whole loan.
+
+iii)    Concurrent rates: Separate segments of the loan have different interest rates at the same time. All installments are deducted from the 
+    uppermost segment of the loan. This segment, thus, is payed dowm first. For instance, ther rate for the segment between 0 and 500,000 
+    could be 4%, between 500,000 and 1,000,000 i could be 3.5% and above 1,000,000 it could be 3%. All applying at the same time. 
+    (The parameter 'rate_segments' == true)
+
+
+PARMETERS:
+
+(See the corresponding asterisks in the parameter list at the beginning of the function):
+
+// NEW IN VERSION 1.1.: ('firstpayment' and period mode explained)
+*) One of the two parameters 'firstpayment' or 'numberofperiods' must have a value. If both have a value, 'numberofperiods' is used. Not all
+values for 'firstpayment' will be big enough to encompass a down payment of the loan and will thus result in an error.
+
+The function does not return the number of periods for loans that run with multiple, concurrent interest rates in different segments 
+('rate_segments' == true). 
+
+When there is an initial period where only interest is paid ('interestonly_periods' > 0) and the function computes periods, the interest only
+periods are added to the payment time. The reason is that if it is subtracted, as is otherwise the case, the periodic payments increase in the
+down payment period. Here, they would increase to an amount bigger than the user has indicated he wants as as his periodical payment.
+
+The combination of a chosen payment/annuity and a loan that changes interest rate after thresholds are passed is possible, but almost
+surrealistic. This combination will result in an error.
+// END - NEW IN VERSION 1.1.
+
+**) 'ignore_origination': Several charges could be incurred when taking a loan. These fees and charges have different names. Some are a 
+percentage of the loan, some are a fixed sum. If the 'ignore_origination' variable is TRUE, these fees are ignored when computing effective 
+interest rate. It is logically correct to include them ('ignore_origination' = false), but fhe function is able to do both.
+
+***) 'annuity-due' == false implies Annuity-immediate:
+Annuity-immediate (interest in arrears): Equal payments are made at the end of each period. This is the most common annuity loan model.
+Annuity-due (interest in advance): Payments are made at the beginning of each period. For annuity loans, we presuppose that the whole of
+the annuity is paid in advance. For serial loans, only the interest is paid in advance.
+
+The annuity period could deviate from the payment period. For instance, the loan might have four annuities a year, but still be paid 
+monthly.
+
+****) Origination fees: There might be several one-time fees payable at the beginning of the loan period: Arrangement fee, processing fee, 
+application fee, origination fee, appraisal fee, credit report fee, tax service fee, underwriting fee, document preparation fee, wire 
+transfer fee, office administration fee and many others. This function allows two parameters for fees of a fixed sum, called 'fee_processing' 
+and 'fee_document'. 
+
+Together, these one-time fees are referred to as "origination fees".
+firstpayment,       // ALTERNATIVELY: Either this first payment or 'numberofperiods' is obligatory. *)
+numberofperiods,    // ALTERNATIVELY: Either this loan time or 'firstpayment" is obligatory. This function only computes loans that are given over whole years.
+
+(There are normally recurring / periodical fees as well. One is in the variable 'fee_period_perc'. Others are in the array 'price_storage').
+
+There is also a parameter for a one-time percentage fee due at the beginning of the loan period: 'fee_percentage'. This if often the case
+for open credit facilities. We make the presumption that the loan is drawn to the credit limit at the start of the loan period, so that this 
+percentage is simply computed from the initial principal.
+
+*****) Normally, you are offered one interest rate for the whole loan sum for the whole loan period. But in some loan contracts the interest
+rate changes when the loan is payed down beyond certain thresholds. This is signalled with 'rate_thresholds' == true.
+
+******) Even if the interest rate might change when the principal passes certain thresholds, you normally have only one interest rate at
+the time. But there are loan contracts where the loan might run with separate intrest rates in each segment. For instance, ther rate
+for the segment between 0 and 500,000 could be 4%, between 500,000 and 1,000,000 i could be 3.5% and above 1,000,000 it could be 3%. All 
+applying at the same time. This is the case when 'rate_segments' == true.
+
+*******) OBLIGATORY: The parameter 'price_storage' is a two-dimentional array - a matrix. Each row in the matrix consists of four elements:
+
+price_storage[step][1]  -> Lower limit for the rate segment #step. Omitted/empty: Interpreted as zero.
+price_storage[step][2]  -> Upper limit for the rate segment #step. Omitted/empty/"Unlimited": Interpreted as indefinite.
+price_storage[step][3]  -> The periodical fee for each payment in segment #step.
+price_storage[step][4]  -> OBLIGATORY: The annual interest rate in the segment (as % per anno) 
+
+At least one interest rate, expected in 'price_storage[1][4]', is obligatory.
+
+'price_storage[0]' is not expected and not used. 
+
+Each segment/step is defined by a lower and upper limit. Det lowest segment comes first, at 'step' == 1. We presuppose that the segments
+don't overlap. 
+
+
+
+SECTIONS
+
+The function 'annuityLoan()'consists of seven separate, numbered sections:
+
+1)      Preparation and adaption of data
+2)  An eventual residual/balloon payment
+3)      The number of periods in each interval
+4)  An eventual interest-only period
+5)  Global residue 
+6)  Effective interest rate 
+7)  Result reporting
+
+
+
+EXTERNAL FUNCTIONS USED
+
+In addition to the built-in fuctions of the programming language, 'freeLoan' utilizews two main external functions:
+
+function serialLoan()
+function annuityLoan()
+
+// NEW IN VERSION 1.1.:
+The latter uses three subfunctions:
+function termnum_annu()
+// END - NEW IN VERSION 1.1.
+
+function intervallength()
+function intervallength_separate()
+
+Both use
+
+function roundoff()
+
+
+
+ERRORS
+
+
+When an error is encountered - illegal parameter values, missing convergence, division with zero etc - no array is returned. Instead, the 
+function returns a single, negative integer, -1, -2, -3 etc. Errors can thus be caught with the function Array.isArray(obj).
+
+
+-1: Longer interest-only period requested than the bank offers.
+-2: First segment in the obligatory parameter array 'price_storage' undefined
+-3: The requested residual/balloon smaller than the smallest laon amount offered
+-4: The requested residual/balloon bigger than the biggest laon amount offered
+-5: No interval detected  (normally because the loan amount is too big or too small) 
+-6: NO convergence, for instance due to zero loan periods or -100% nominal interest rate 
+-7: Combination not supported: FreeLoan dose not support concurrent, separate interest rates and annuities in advance.
+-8: Too small periodic payment: If the user has chosen a payment too small to pay down the loan.
+    
+Negative interest rates are still possible, but they are then returned in the result array 'res'.
+
+
+
+TERMINOLOGY
+
+These terms will be encoutered through FreeLoan:
+
+"Principal": The remaining debt at any point during the loan period. The principal at the beginning of the loan period might differ from the 
+amount the borrower receives, as the bank might add fees to the debt. (Some sources define the principal only as the size of the intital loan).
+
+"Installment": A payment that dimishes the principal during the loan period. (Some sources use this term for all payments, including interest.
+Here, only down payments of the principal are meant).
+
+"Term": A regular payment, normally composed of installment, interest rate and fees, made by the borrower after taking the loan.
+
+"Received": The money the borrower actually receives when taking a loan. This might be lower than the debt booked with the bank. Fees make
+out the difference.
+
+"Loan period": The period from the loan is taken until it has been completely paid back. 
+
+"Capitalization": The process of computing accrued interest and fees. Normally, the bank will do this at all agreed payment dates. In that
+case, the capitalization frequency is the same as the payment frequency. But sometimes they are not. For instance, quarterly capitalization 
+and monthly payments are not unusual.
+
+"Segment": A 'segment' is a part of a loan currently running with a certain interest rate. For example the part of the loan between one and
+two millions when this is the upper and lower limits for a rate step.
+
+"Interval": An 'interval' is a period in time, for example the number of periods it takes for the principal to be payed down from one segment
+threshold to the next. 
+
+In the simplest and most common loans, there is only one segment and one interval.
+
+
+
+THE PLAN
+
+Most indata checks are performed here in the main function. Then one of the two main sub functions, function serialLoan() or 
+function annuityLoan() are called. They return the results in an array.
+
+
+INPUT CONTROL PRIOR TO CALLING FREELOAN
+
+The combination of an initial interest free period and running the calculator in period mode might produce absurd results, for instance
+payback periods of thousands of years. So this combination should be avoided.
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      1) PREPARATION AND ADAPTION OF DATA:              //////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+*/
+
+{
+
+/* INNDATA CONTROL - ERRORS CAUSING INTERRUPTION
+
+Indata control are pressupposedly performed outside of the function. But also a little here. If the the customer wants a longer period when 
+he only pays interest than the bank offers, the error number -1 is returned: */
+
+    
+    if (interestonly_periods && interestonly_periods>0) // The user wishes a period where only interest is payed
+        {
+
+        if (!interestonly_periods_max || interestonly_periods > interestonly_periods_max) {
+            resultAsJSON += getErrorResultJSON(-1);
+            return -1;
+        }
+
+        }
+
+
+// The parameter 'price_storage' is an array. It must have at least one element: 
+
+
+    if (price_storage.length < 1 ) {
+        resultAsJSON += getErrorResultJSON(-2);
+        return -2;
+    }
+
+
+// We convert en empty 'remainder_handling' to zero:
+
+
+    if (!remainder_handling || isNaN(remainder_handling)) remainder_handling = 0;
+
+
+//  We convert an enventual empty residual to zero.. */
+
+
+    if (!balloon || isNaN(balloon)) balloon = 0;
+
+
+// .. and return an error number if the requested residual/ballon payment is smaller than the smallest loan offered by the bank:
+
+
+    if (balloon < price_storage[1][1]) {
+        resultAsJSON += getErrorResultJSON(-3);
+        return -3;
+    }
+
+
+// We also return an error value if the residual/ballon payment is bigger than the upper limit of the loan product:  */
+
+
+    if (price_storage[price_storage.length-1][2] > 0 && balloon > price_storage[price_storage.length-1][2]) {
+        resultAsJSON += getErrorResultJSON(-4);
+        return -4;
+    }
+
+
+/* If we - while searching through 'price_storage' - don't find any loan segment, we return error number -5
+
+The annity formula we use will produce division by zero if the number of periods are zero or the nominal periodical interest rate is
+
+-100%. We call this a "convergence error" and it is given the error number -6 
+
+
+Freloan is not able to compute the effecive interest rate for a loan running with different interest rates at the same time if 
+the loan is an annuity loan with annuity-due - annuities in advance. When 'rate_segments == true', 'annuity_due == true' and 
+'serial == false' at the same time, error code -7 is returned. (IMPORTANT: To avoid hundreds of error messages, this test should ideally 
+be performed before calling FreeLoan) 
+
+    
+We first verify the parameters: */
+
+    if (!annuity_due || annuity_due == "" || annuity_due == 0) annuity_due = false; else annuity_due = true;
+
+    
+    if (!rate_segments || rate_segments == "" || rate_segments == 0) rate_segments = false; else rate_segments = true;
+
+    
+    if (!serial || serial == "" || serial == 0) serial = false; else serial= true;
+
+
+    if (rate_segments && annuity_due && !serial) {
+        resultAsJSON += getErrorResultJSON(-7);
+        return -7;
+    }
+
+
+// NEW IN VERSION 1.1.:
+/* Correspondingly, FreeLoan does not support the combination of a user chosen periodic payment and loan models where different interest
+rates run in concurrent loan segments: */
+
+    if (!isNaN(firstpayment) && firstpayment != 0 && rate_segments) {
+        resultAsJSON += getErrorResultJSON(-9);
+        return -9;
+    }
+// END - NEW IN VERSION 1.1.
+
+
+/* DATA IN A FORMAT SUITABLE FOR OUR FORMULAS:
+
+
+The function uses a default capitalization frequency of 12 (monthly) - although an error message might be more appropriate.. */
+
+
+    if (!capitalization_freq || capitalization_freq == "" || capitalization_freq == 0)  capitalization_freq = 12;
+
+
+// The result is returned in the array 'result':
+// NEW IN VERSION 1.1.: Parameter 'firstpayment' added. Direct 'return' of function result.
+
+
+    if (isNaN(serial) == false && serial != false && serial != 0) {
+        result = serialLoan(received,firstpayment,numberofperiods,periods_per_year,balloon,interestonly_periods,round_direction,round_presision,remainder_handling,ignore_origination,annuity_due,capitalization_freq,interestonly_periods_max,fee_processing,fee_document,fee_percentage,fee_period_perc,rate_thresholds,rate_segments,price_storage,accuracy);    
+        //resultAsJSON += getSerialResultJSON(result);
+    } else {
+        result = annuityLoan(received,firstpayment,numberofperiods,periods_per_year,balloon,interestonly_periods,round_direction,round_presision,remainder_handling,ignore_origination,annuity_due,capitalization_freq,interestonly_periods_max,fee_processing,fee_document,fee_percentage,fee_period_perc,rate_thresholds,rate_segments,price_storage);
+        //resultAsJSON += getAnnuityResultJSON(result);
+    }
+    
+// END - NEW IN VERSION 1.1.
+
+    return result;
+
+/* END freeLoan() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        EFFECTIVE INTEREST RATE FOR ANNUITY LOANS                   <<<<<<< ++++|++++ >>>>>>            
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+function annuityLoan(
+received,       // OBLIGATORY: The loan amount received by the borrower. (Due to fees, this might deviate from the principal in the bank's books).
+
+// NEW IN VERSION 1.1.: 
+firstpayment,       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' >0, the number of periods are computed*)
+numberofperiods,    // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+// END - NEW IN VERSION 1.1.
+
+periods_per_year,   // OBLIGATORY: In order to compute annual, effective interest rate, som connection to years must be made.
+balloon,        // 0, 'false' or omitted: Zero. Integer > 0: The planned residual value of the loan ("balloon") to be paid when the loan period is over.
+interestonly_periods,   // 0, 'false' or omitted: zero. Integer > 0: The initial interest-only period wanted by the borrower
+round_direction,    // 0, 'false' or omitted: Annuities are rounded after normal rules  1: Rounded up 2. Rounded down
+round_presision,    // 0, 'false' or omitted: Payment rounded to nearest 1/100  1: ..rounded to nearest integer
+remainder_handling, // 0, 'false' or omitted: The "global" remainder at the end of the loan period is payed / compensated with the last payment 1: ..is ignored
+ignore_origination, // 0, 'false' or omitted: Origination fee added to the loan and included in the computation. 1 or true: Computation performed without origination fee *)
+advance,        // 0, 'false' or omitted: 0. Annuity-immediate 1, "true" or "due": Annuity_due **)
+capitalization_freq,    // 0, 'false' or omitted: 12 (Capitalization 12 times a year). Integer>0: Any number of capitalizations per year.
+interestonly_periods_max,   // 0, 'false' or omitted: 0. Integer >= 0: The maximal interest only-period offered by the bank. In years. 
+fee_processing,     // 0, 'false' or omitted: 0. Number >= 0: Processing fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period.  ****)
+fee_document,       // 0, 'false' or omitted: 0. Number >= 0: Document preparation fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period. ****)
+fee_percentage,     // 0, 'false' or omitted: 0 .Number >= 0: Percentage fee: One-time fee to be payed at the beginning of the loan period computed out of the principle (gross loan). 2 = 2%. ****)
+fee_period_perc,    // 0, 'false' or omitted: No percentage fee. Integer: Percentage. Loans given as a credit line have a periodical has a fee as a percentage of principal PER PERIOD 
+rate_thresholds,    // 0, 'false' or omitted: No - intial interest rate is fixed for the whole loan for the whole loan period. 1 or 'true': Rate might change *****)
+rate_segments,      // 0, 'false' or omitted: No - all segments of the loan has the same interes rate. 1 or 'true': Every segment might have separate interest rates. ******)
+price_storage)      // OBLIGATORY: The parmeter 'price_storage' is a two-dimentional array. It must have at least one interest rate, in 'price_storage[1][4]'. 'price_storage[0]' is not expected nor used.*******)
+
+/*
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      WHAT THE FUNCTION DOES:     ////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+The function computes effective annual percentage rate (EAPR) for an annuity loan. As a side product, other values that could come useful are 
+computed too. All results are returned in the array 'res':
+
+
+res[0] -> Effective, annual interest rate
+res[1] -> Remainder: What is left of the loan at the end of the payment period, to be payed/renumerated with the last payment
+res[2] -> Array with the results from the computation of loan intervals (of which there must be at least one):
+    res[3][x][1] -> Annuity: The annuity of the x'th interval, rounded without periodic fee 
+    res[3][x][2] -> Periods: The number of periods the x'th interval consists of
+    res[3][x][3] -> Fee: The periodical fee of all payments in the x'th interval
+    res[3][x][4] -> Principal: Principal at the end of the x'th interval
+    res[3][x][5] -> Remainder: Remainder after rounding the annuity of the x'th interval 
+
+// NEW IN VERSION 1.1.: 
+res[3] -> Number of terms. If the parameter 'firstpayment' is present, this variable contains the number of terms it takes to pay back the loan.
+// END - NEW IN VERSION 1.1.
+
+The function handles three different types of loan segments:
+
+
+i)      The interest rate for the whole loan is determined by the initial size of the principal when the loan is given. The rate does not 
+    change during the loan period. This is the most common and the simplest model.
+
+ii)     The interest rate for the whole loan changes when the principal passes certain thresholds (the parameter 'rate_thresholds' == true)
+
+iii)    Separate segments of the loan have different interest rates at the same time. All installments are deducted from the uppermost segment 
+    of the loan. This segment, thus, is payed dowm first. For instance, ther rate for the segment between 0 and 500,000 could be 4%, between 
+    500,000 and 1,000,000 i could be 3.5% and above 1,000,000 it could be 3%. All applying at the same time. 
+    (The parameter 'rate_segments' == true)
+
+
+PARAMETERS:
+
+See the corresponding definitions in the main function freeLoan()
+
+
+
+// NEW IN VERSION 1.1.: (corrected function name)
+SECTIONS IN 'annuityLoan()':
+// END - NEW IN VERSION 1.1.
+
+The function consists of seven separate, numbered sections:
+
+1)      Preparation and adaption of data
+2)  An eventual residual/balloon payment
+3)      The number of periods in each interval
+4)  An eventual interest-only period
+5)  Global residue 
+6)  Effective interest rate 
+7)  Result reporting
+
+
+
+EXTERNAL FUNCTIONS USED
+
+// NEW IN VERSION 1.1.:
+In addition to the built-in fuctions of the programming language, 'annuityloan' utilizes five external functions:
+function termnum_annu()
+// END - NEW IN VERSION 1.1.
+
+function termnum_annu()
+function intervallength()
+function intervallength_separate()
+function roundoff()
+
+
+
+ERRORS
+
+
+See the error definitions in the main function freeLoan()
+
+
+THE PLAN
+
+The interest rate is computed by iterations. Before performing the iterations, we need to know the annity and over how many periods it runs. When 
+we have a loan that changes interest rate during the payment period, we could have adjacent intervals with different annuities. The function
+also supports parallell interest rates. 
+
+Hence, all the relevant annuities, number of periods and remainders are first computed and stored in the array 'interval_data'.
+
+Generally, we use the function parmeters to compute the values in 'interval_data' before we use the values in 'interval_data' to compute the 
+result(s) that will be returned in the array 'res'.
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      1) PREPARATION AND ADAPTION OF DATA:              //////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+*/
+
+{
+
+/* 
+
+ DATA IN A FORMAT SUITABLE FOR OUR FORMULAS:
+
+It is mathematically correct to take all fees into consideration when computing effective interest rate. But the function also supports
+the ommittance of the start/orgination fees: */
+    
+
+    var principal;
+
+    if (ignore_origination) principal = eval(received);         
+    else 
+        {
+
+        principal = (eval(received) + eval(fee_document)) * (100+fee_percentage) / 100; // What the user receives plus fees
+
+        // Compensation for unexplained error: 'fee_processing' sometimes evaluates to 'undefined':
+
+        if (!isNaN(eval(fee_processing))) principal +=fee_processing;
+
+        }
+
+// Error if the residual/ballon payment is greater than the principal: 
+
+
+    if (balloon > principal) return -3;
+
+    
+/* Total number of calculation periods are the total number of periods, 'numberofperiods'  divided by 'periods_per_year' to find the number 
+of years. We then multiply this by the capitalization frequency, 'capitalization_freq' to find the number of calculation periods.
+
+*/
+
+
+    var calculation_periods = numberofperiods/periods_per_year*capitalization_freq; // periods_per_year
+    
+
+// The number of intial interest-only periods (where no installments are paid):
+
+
+    var installment_grace_periods = interestonly_periods/periods_per_year*capitalization_freq; 
+    
+
+// The number of "normal" periodical payments that include installment:
+
+
+    var installment_periods = calculation_periods - installment_grace_periods;  
+
+
+/* 'rate_divisor' is the divisor the nominal, annual interest rate must be divided by to obtain the periodic interest rate. For instance, a
+nominal interest rate of 6% equals a nominal monthly decimal rate of 0,005 => 6/1200. */
+
+
+    var rate_divisor = 100*capitalization_freq;
+
+
+/* If the user has chosen to a periodic payment,'firstpayment', rather than the number of periods: */ 
+
+// NEW IN VERSION 1.1.:
+
+    if (!isNaN(firstpayment) && firstpayment != 0)
+        {
+        // alert(principal*price_storage[1][4]/rate_divisor);
+
+        /* If 'firstpayment' is smaller than the interest rate part, the payment cannot service the loan: */
+
+        if (principal*price_storage[1][4]/rate_divisor > firstpayment) return -8;
+
+        /* If 'firstpayment' equals the interest rate part, we can service the loan only if the balloon equals the principal: */
+
+        else
+
+        if (principal*price_storage[1][4]/rate_divisor == firstpayment && principal != balloon) return -8;
+
+        }
+
+
+// END - NEW IN VERSION 1.1.
+
+/* 
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      2) AN EVENTUAL RESIDUAL (BALLOON PAYMENT):        //////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+The residual/balloon payment is the eventual part of the loan that is not payed back through the periodic payments, but rather through a 
+"balloon" payment at the end of the loan period. 
+
+We subtract the balloon from all segment limits before computing the annuity and the length of the payment period for each segment.
+
+ADJUSTMENT OF SEGMENT LIMITS:
+
+When the loan has a planned balloon, we divide it in two:
+
+    - The balloon is treated as an interest-only loan
+
+    - The other part of the loan is treated as an ordinary annuity loan
+
+But by doing this, the limits for each loan segment in 'price_storage' will no longer encompass the correct loan amount. If the loan is to have a 
+planned residual (balloon payment) we thus make an adjusted copy of 'price_storage' where the amount 'balloon' are subtracted from all the limit
+values. 
+
+We place these adjusted limits in a new array called 'price_storage_cop'.
+
+
+*/  
+
+
+    var interest_amount_res = 0;        // The interest amount for the residual (balloon) for each periodic payment
+
+    var price_storage_cop = new Array;  // A copy of 'price_storage' with adjusted segment limits
+
+    var principal_ann;          // The remaining principal (less balloon) to be serviced as an annuity loan
+
+    principal_ann = principal - balloon;    
+
+    if (balloon > 0)
+        {
+        
+        
+
+        var nr = 1; // 'price_storage_cop' could have fewer steps than the original 'price_storage'
+
+        for (i=1;i<price_storage.length;i++) 
+            {
+
+            
+            /* If the balloon is lower than the upper limit for the segment, or we are in the first (lower) segment - where an 
+            empty value is interpreted as "unlimited" -  this is a relevant segment: */
+
+
+            if (balloon <= price_storage[i][2] || price_storage[i][2]=="") 
+                {
+
+                price_storage_cop[nr] = new Array;
+
+                if (price_storage[i][1] > balloon) price_storage_cop[nr][1] = price_storage[i][1] - balloon;
+                else price_storage_cop[nr][1] = 0;
+                    
+                /* price_storage[i][2] is the upper limit of the segment. If it's greater than the balloon:*/
+
+                if (price_storage[i][2] >= balloon) price_storage_cop[nr][2] = price_storage[i][2] - balloon;
+
+                /* An empty limit is interpreted as "unlimited". We copy it over: */
+
+                else if (price_storage[i][2] = "") price_storage_cop[nr][2] == "";
+
+                /* A negativ upper limit is impossible. HMMMM. KAN GI GAL MATTE..? We assign it the value zero: */
+
+                else price_storage_cop[nr][2] = 0;
+
+                price_storage_cop[nr][3] = price_storage[i][3]; // The periodic fee is the same
+                price_storage_cop[nr][4] = price_storage[i][4]; // The interest rate is the same
+
+                    
+                if (price_storage_cop[nr][2] != 0) nr++;    // If there is one more segment..
+
+                }
+
+            }
+
+        // PERIODICAL INTEREST AMOUNT for the balloon:
+
+        if (rate_segments) 
+            {
+
+
+            /* When 'rate_segments' == true, and the balloon spans more then one segment in 'price_storage', the interest rate amount 
+            for the balloon is computed using more than one interest rate. However, since the size of the residual/balloon does not
+            change throught the loan period, the periodical interest rate amount does not either. 
+
+            We first search for the highest interest rate segment that overlaps the resiudal. We can infer this from the length of the
+            two arrays/matrixes 'price_storage' and 'price_storage_cop'. If they have the same length, this means that the balloon 
+            is computed with one interest rate only, and this rate is the same as the lowest rate in 'price_storage'. If 'price_storage'
+            if one segment longer, there is probably two interest rates for 'balloon' */
+
+            var start = price_storage.length - price_storage_cop.length + 1;    // +1 guarantees at least one run-through
+
+            var high;
+
+            for (i=start;i>0; i--)
+                {
+
+                if (balloon > price_storage[i][1] || price_storage[i][1] == "") 
+                    {
+
+                    if (price_storage[i][2] == "") high = balloon; else high = price_storage[i][2]; // "" => unlimted
+
+                    if (balloon > high) interest_amount_res += (high - price_storage[i][1])* price_storage[i][4]/rate_divisor;
+                    else
+                    interest_amount_res += (balloon - price_storage[i][1])* price_storage[i][4]/rate_divisor;
+                    
+
+                    }
+                }
+
+
+            }
+
+        }
+
+
+        // In order for the algoritm to be stringent, we use 'price_storage_cop' also when there is no balloon:
+
+        else price_storage_cop = price_storage.slice(); // Slice() copies the whole array: 'price_storage_cop' is a copy of 'price_storage'
+
+
+
+
+/*
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      3) THE NUMBER OF PERIODS IN EACH INTERVAL:          ////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+    
+In order to compute the effective interest rate, we have to know the amount of every payment between the lender and the borrower and on what 
+time they occur. 
+
+This part of the program determines how many payments are made with each interest rate (most often, there is only one) and what the payment in 
+that interval is.
+
+(When there is only one interest rate, there is of course only one period -  the whole loan period - and one annuity/payment amount).
+
+The values are stored in the array/matrix 'interval_data', which subsequently will be used during the iterations in order to compute the 
+effective interest rate.
+
+We find nominal interest rates, fees and segment limits in the function parmeter array 'price_storage'. In this section, we use an adjusted copy, 
+called 'price_storage_cop'. The segment limits in 'price_storage_cop' might have been reduced by the size of an eventual residual/balloon 
+payment.
+
+Two external functions, 'intervall()' and 'intervall_separate()', computes the number of payments in each interval. They return this number in an 
+array were the annuity / periodic payment is also computed.
+
+We traverse the array 'price_storage_cop' backwords, because the principal is highest at the beginning, normally overlapping the higher segments 
+of 'price_storage_cop', eventually being paid down to lower segments.
+
+The thresholds are not passed unless we pay installments, so we are searching for the number of periods only in the segments of the loan where 
+installments are paid. An interest-only period is handled later.
+
+All annuities are composed by an interest part and and installment part. For each term, the installment is subtracted from the principal.
+
+When the principal passes an eventual segment threshold, we should change to the next interest rate. We notice at which time this happens, and 
+store this number of periods in 'interval_data'. We also store the annuity of the interval in 'interval_data'.
+
+*/
+
+    var interval_data = new Array();        // An array/matrix that stores intermediate values in a structured form
+
+/*  
+
+Each row in the array/matrix 'interval_data':
+
+interval_data[x][0] -> payment              Net periodic payment, exclusive of fees, rounded
+interval_data[x][1] -> number of terms;         The number of periodic payments it takes to pay down this segment of the loan
+interval_data[x][2] -> periodic fee             Practical to have here
+interval_data[x][3] -> adjusted lower segment limit     Since the number of periods must be and integer, you rarely hit the segment limit 
+                                accurately. The next segments limits must be adjusted accordingly.
+interval_data[x][4] -> upper segment lomit      Normally the same as 'price_storage[step][2]', but could also be adjusted
+interval_data[x][5] -> remainder;           Fractions of cents we pay to little or too much each time due to rounding // OBSOLETE/ UNNECESSARY?
+
+*/  
+    
+
+    var periods_remaining = installment_periods;    // Periodic payments left of the overall loan period
+    var lowlimit;                   // Lower limit for the current loan segment
+    var highlimit;                  // Upper limit for the current loan segment
+    var interest_segment;               // Interest rate in the current loan segment
+    var interval = 0;               // Index of the current segment in 'price_storage'
+    var highest_segment = 1;            // Index of the the highest index in 'price_storage'
+    var lowest_segment = 1;             // Index of the the lowest index in 'price_storage' 
+    var rate_am_int_only = 0;           // Periodic interest amount in an interest-only period
+    var found = false;              // Set to 'true' to interrupt the traversing of 'price_storage'
+    var i = price_storage_cop.length-1;     // Index of the current segment/row in 'price_storage' 
+    var segm_lowlim;                // Intermediate variable (storage of lower segment limit)
+    var segm_highlim;               // Intermediate variable (storage of upper segment limit)
+    var upper;                  // Intermediate variable (storage of upper segment limit)
+    var step;                   // Intermediate variable (number of relevant segments in 'price_storage')
+    var annuity_unrounded = 0;          // Intermediate variable
+    var nextsegment;                // Intermediate variable
+
+
+    while (i>=1 && found == false)
+        {
+
+        // We make room for five data for each row in the array/matrix 'interval_data[x][y]' (see above):
+
+
+            interval_data[i] = new Array(5);    
+
+
+        // The lower limit of the segment, 'price_storage_cop[x][y]', derived from 'price_storage[x][y]' - a parameter to the function:
+
+
+            segm_lowlim = price_storage_cop[i][1];  // Current segment's lower limit 
+                                
+
+        // If segm_lowlim does not exixt in segment 1, it is interpreted as the segment starting on zero:
+
+
+            if ((!segm_lowlim || segm_lowlim == "") && i == 1) segm_lowlim = 0;
+
+
+        // If segm_highlim does not exist, it is interpreted as unlimited 
+
+
+            if (!price_storage_cop[i][2]) segm_highlim = ""; else segm_highlim = price_storage_cop[i][2];   // Current segment's upper limit 
+    
+
+        /* Now having detected the lower and upper limit of the segment, we check if any part of the principal lays inside the interval.
+        We use 'principal_ann', less an eventual residual/ballon payment, as our principal: */
+
+
+            if (((principal_ann>=segm_lowlim && segm_lowlim !== "") && (principal_ann<=segm_highlim || segm_highlim == "" || segm_highlim == "Unlimited")) || interval>0) 
+                {
+
+                /* 
+                
+                Interpretation of the above conditions:     
+
+                a) principal_ann>=segm_lowlim && segm_lowlim !== "":
+
+                If the principal is greater than or equals the lower limit of the current segment, and the current segment is 
+                set, this might be a segment that overlaps the whole or part of the loan.
+
+                b) principal_ann<=segm_highlim || segm_highlim == "" || segm_highlim == "Unlimited": 
+
+                If additionally the principal is less or equal to the upper segment limit, or the upper limit is not set 
+                (signifying an unlimited loan segment), we have found a segment that encompasses the whole or part of the 
+                loan.
+
+                c) 'interval' > 0:
+
+                If we already found a valid segment in an earlier loop, then we now that this segment is part of the loan 
+                (since we transverse the array from above)
+
+                If the interest rate is the same throughout the loan  ('rate_thresholds' == false), we don't have to check
+                any more segments. We just retrive this rate from 'price_storage_cop'.
+        
+                This is not the case if 'rate_segments' == true. Then we must use all relevant segments in 'price_storage_cop'.
+
+                */
+
+                if (!rate_segments)     // Parameter of the function: If there cannot be separate, parallell rates .. 
+                    {
+            
+                    if (!rate_thresholds)   // Parameter of the function: If the interest rate does not change ..
+                        {
+
+                        /* IF ONLY ONE INTEREST RATE..
+
+                        In this case, there is only one interest segment - consisting of all periods (see
+                        type i) in the introductory comments to this function).
+
+                        The interest rate is the same throughout the loan  ('rate_thresholds' == false), we don't have 
+                        to check any more segments. We just retrive this rate from 'price_storage_cop' in the current 
+                        segment and stop the looping */
+
+    
+
+                            step = 1;           // Number of segments in the loan
+
+                            lowlimit = 0;           // Low limit of the one segment
+
+                            highlimit = principal_ann;  // High limit of the one segment
+    
+                            found = true;           // End looping
+
+                            /* When there are more than one segment, the variable 'periods_remaining' will be 
+                            updated for each call of the function 'interval_length'. But not here, where there
+                            is only one interest rate. 
+
+                            When the first payment, rather than the number of loan terms, are given. We compute
+                            the number of loan terms here and store the value in the variable 'periods_remaining' by means 
+                            of the external function 'termnum_annu()':*/
+
+                            
+                        }
+                    else
+                        {
+
+                        /* IF ONLY ONE INTEREST RATE AT THE TIME..
+
+                        The interest rate for the whole loan might change when certain thresholds are overstepped (see
+                        type ii) in the introductory comments to this function).*/
+
+
+                            step = i; // All relevant segments will be used during the computation
+
+
+
+                        /* We store the number of relevant segments. There are always at least one. Since we are counting
+                        backwords, from the upper segment,  'highest_segment' - that was initially set to '1' - is set 
+                        only once:  */
+
+
+                            if (highest_segment == 1) highest_segment = i;
+            
+                            lowlimit = segm_lowlim;     // For the current segment
+
+                            if (segm_highlim == "" || principal_ann<=segm_highlim) highlimit = principal_ann;
+
+
+
+                        /* Since the number of periods in each intervall must be an integer, we will hardly ever
+                        find a number of periods that make the principal being paid down to precisely the lower 
+                        segment limit. Normally, our installments will have paid the principal down below the limit by
+                        some cents. This remaining principal must be set as the new upper limit of the next segment.
+
+                        We must check whether such a limit was set in the former segment. Since we are looping 
+                        backwords, the former segment is the segment 'step+1'.
+
+                        If such a new limit was set, it will be the new high limit of the current segment.
+
+                        */
+                    
+
+                            else if ((eval(step)+eval(1)) < interval_data.length && interval_data[step+1][3] > 0) 
+                            highlimit = (eval(interval_data[step+1][3]));
+                            else highlimit = segm_highlim;
+
+                
+                        }
+
+
+                    /*  ..IN BOTH CASES:
+
+                    In element 4 in 'price_storage_cop' lies the interest rate of the current segment:*/
+
+
+                        interest_segment = price_storage_cop[i][4];
+
+
+                    /* Interest amount from an eventual balloon:
+
+                    In order for the external function 'intervallength()' to be able to round the periodic payments 
+                    correctly, we must know the interest amount for the balloon. When 'rate_segments' == false, as 
+                    in this part of the program, the interest amount of the balloon is computed with the same 
+                    interest rate at the rest of the loan:   */
+
+
+                        interest_amount_res = balloon * interest_segment/ rate_divisor;
+
+
+                    /* The function 'intervallength' computes how many periods it takes to pay down the current segment. 
+                    
+                    // NEW IN VERSION 1.1.:
+
+                    If the value for the number of periods - 'numberofperiods' - is not given, but 'firstpayment' is given
+                    instead, we must first compute the number of periods - here expected in the parameter 'periods_remaining'.
+                    For this purpose, we use the function 'termnum_annu()': */
+
+
+                        if (firstpayment != "") // If the user has entered the annuity rather than the number of payments
+                                {
+
+                                /* Only the net part of the payment - when fees are deducted - are used by the bank
+                                to service the loan. We thus have to deduct the fixed fee and the eventual percentage fee. 
+                                We also deduct the interest of an eventual ballon: */
+
+                                var netpayment = (firstpayment * 12/capitalization_freq) - price_storage_cop[i][3] - highlimit*fee_period_perc/100 - interest_amount_res;
+
+                                /* Here, 'periods_remaining' is not given, so we must compute it: */
+
+                                periods_remaining = termnum_annu(highlimit ,netpayment ,price_storage_cop[i][4]/rate_divisor , advance);
+
+                                
+                                }
+
+                    // END - NEW IN VERSION 1.1.
+                    /* The function 'intervallength' computes how many periods it takes to pay down the current segment. 
+                    It also computes other useful numbers and return them as a row in the array/matrix 'interval_data' 
+                    (see the definition of the elements in 'interval_data' further above): */
+
+
+                        interval_data[step] = intervallength(highlimit,interest_segment,lowlimit,periods_remaining,round_direction,round_presision,rate_divisor,interest_amount_res,advance); 
+
+                        if (interval_data[step] == -6) return -6;   // Error: Failing convergence 
+
+                            
+                    }
+
+                else 
+
+                    {
+
+                    /* ALL SEGMENTS WITH SEPARATE, PARALLELL INTEREST RATES..
+
+
+                    'rate_segments' == 'true' means the interest rate for the whole loan might change when certain thresholds 
+                    are overstepped (see type iii) in the introductory comments to this function). */
+
+                        step = i;
+
+                    /* In order for the function 'intervallength_separate()' to be able to compute the whole payment of the 
+                    interval - the sum of the payments in the separate, parallell segments - it must have information of all
+                    segments. 
+
+                    This information resides in the function parameter 'price_storage' and the derived version we use here - 
+                    'price_storage_cop'. But a subtle problem arises: Since the number of periods in each intervall must be 
+                    an integer, we will hardly ever find a number of periods that make the principal being paid down to 
+                    precisely the lower segment limit. Normally, our installments will have paid the principal down below 
+                    the limit by some cents. This remaining principal must be set as the new upper limit of the next 
+                    segment.
+
+                    We must check whether such a limit was set in the former segment. Since we are looping  backwords, the 
+                    former segment is the segment 'step+1'.                 
+                
+
+                    We store the number of relevants segments. Since 'highest_segment' is initiated to '1', it will be set 
+                    only once: */
+
+
+                        if (highest_segment == 1) highest_segment = i;
+
+            
+                    /* If the upper limt is not set, eller the principal is smaller than the maximum limit, the highest 
+                    limit equals the principal: */
+
+
+                        if (segm_highlim == "" || principal_ann<=segm_highlim) price_storage_cop[step][2] = principal_ann;
+
+                
+                    /* In 'interval_data[x][3]' for the former segment lies the real, functional lower limit of that segment. We 
+                    check whether it exists. If it does, it is also the upper limit for the current segment:  */
+
+
+                        nextsegment = eval(step)+eval(1);
+
+                        if (nextsegment < interval_data.length && interval_data[nextsegment][3] && interval_data[nextsegment][3] > 0 && interval_data[nextsegment][3] != "Infinity") 
+                        price_storage_cop[step][2] = interval_data[nextsegment][3];
+
+                    /* Now, we can invoke the function 'intervallength_separate()' that returns a fully computed row in 
+                    the matrix 'interval_data': */
+                
+                        interval_data[step] = intervallength_separate(price_storage_cop,step,periods_remaining,round_direction,round_presision,rate_divisor,interest_amount_res,advance);
+
+                        if (interval_data[step] == -6) return -6;   // Error: Failing convergence 
+
+                
+                    if (installment_grace_periods > 0)
+
+                        {
+                        /* No installment is being paid in an interest-only period. We just have to sum up the interest
+                        amounts of all parallell segments overlapping the whole loan.
+
+                        An empty, upper limit for a segment is intepreted as "unlimited":
+                        */
+
+
+                            if (price_storage_cop[step][2] > principal_ann || price_storage_cop[step][2] == "" || price_storage_cop[step][2] == 0) upper = principal_ann; else upper = price_storage_cop[step][2];
+
+                    
+                        /* 'rate_am_int_only' - the periodic interest amount during an interest only-period will be used
+                        in the section for 'installment_grace_periods' below: */
+                    
+                            rate_am_int_only += (upper - price_storage_cop[step][1]) * price_storage_cop[step][4]/rate_divisor; 
+
+                    
+                        }
+
+
+            
+                    }               
+
+                if (balloon > 0)
+
+                    {
+
+                    /*  If this loan has a residual/ballon, the periodic payment we have computed is too low. It does
+                    not contain the interest amount for the part of the loan where only interest is paid.
+
+                    We have to add this amount here. 'interval_data[step][0]' contains the rounded periodic payment.
+
+                    Since it in somE cases impacts the rounding, we add the remainder. We find the remainder in  
+                    'interval_data[step][5]'.
+
+                    But if the remainer is to be ignored - 'remainder_handling == 1', we simply round the remainer as
+                    if is. */
+
+
+                        if (remainder_handling != 0) // If the remainder after paying off the loan is not to be ignored
+                            {
+                
+
+                            annuity_unrounded = interval_data[step][0] + interest_amount_res + interval_data[step][5];
+
+                
+                        /* As we now have added the interest amount for the balloon, we round again and subsitute the 
+                        old remainder with the new: */
+
+                 
+                            interval_data[step][0] = roundoff(annuity_unrounded, round_direction, round_presision);
+
+
+                        /* The remainder when rounding the periodical payment was computed either in the function 
+                        'intervallength()' or the function 'intervallength_separate()' and is placed in 
+                        'interval_data[step][5]'
+
+                        But when we computed a new periodical periodical payment, we rounded again and thus get a new
+                        remainder. */
+
+
+                            interval_data[step][5] = annuity_unrounded - interval_data[step][0]; 
+
+                            }
+
+                        else interval_data[step][0] = roundoff(interval_data[step][0] + interest_amount_res, round_direction, round_presision);
+
+        
+                    }
+
+            
+            
+                /* In order to have all data  relevant for the interest rate computation in one place, we also add the
+                periodical fee to 'interval_data': */
+
+
+                    interval_data[step][2]  = price_storage_cop[step][3];
+
+
+                /* Some loans might have a periodical fee that is computed as a percentage of the credit limit instead of or
+                in addition to the fixed fee. We make the presumption that the loan is drawn fully to the credit limit at
+                the beginning of the loan period, so that the fee is always computed from the intial principal (the initial
+                laon plus fees: */
+
+
+                    if (fee_period_perc) interval_data[step][2] += principal*fee_period_perc/100;
+
+                
+                
+                    periods_remaining -= interval_data[step][1];
+
+                    interval++;
+            
+
+                }
+
+            i--;    // We loop the array 'price_storage_cop' backwards
+        }
+
+
+// if (price_storage[1][4] == 4 && price_storage.length>2) alert(interval_data);    
+
+// STOP if no interval is detected, usually because the loan amount is too big or too small:
+
+if (interval == 0) return -5;
+
+/* 
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      4) AN EVENTUAL INTEREST-ONLY PERIOD:        ////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+// NEW IN VERSION 1.1.:
+ASSYMETRIC MODES:
+
+when there is an initial interest-only period, the symmetry brakes between period mode and payment mode. When there is 'firstpayment' provided 
+by the user (period mode), this payment is interpreted as having to cover the highest payment during the whole payment period. When there is an 
+intial interest free period, this will NOT be the first payment, but one of the payments after he starts paying off the loan. In payment mode, 
+however, we return the first payment.
+
+// END - NEW IN VERSION 1.1.
+
+
+*/
+
+var unrounded;
+
+if (installment_grace_periods)
+    {
+
+
+    /* In the array/matrix 'interval_data[x][y]', we now have stored all the information we need in order to compute the effective interest 
+    rate, beginning in row one (x = 1). Corresponding information about an interest-only period will be put in a new last row of the matrix.
+        
+    */
+
+
+        highest_segment++;  // We get a new step in the staircase, and increment the counter.
+
+
+    /* The periodic interest amount paid during the interest-only periods, 'rate_am_int_only', was only computed for loans with separate, 
+    parallell interest rates: */
+
+
+        if (rate_segments) unrounded = rate_am_int_only + interest_amount_res;
+    
+
+     // Otherwise, the periodic interest amount is simply the interest rate in the highest relevant segment, 'interest_segment', multiplied with the principal:
+
+
+        else unrounded = principal * interest_segment/rate_divisor;
+
+
+    // We create the new matrix row and fill it with data:
+
+
+        interval_data[highest_segment] = new Array(5);
+
+
+        interval_data[highest_segment][0] = roundoff(unrounded, round_direction, round_presision);
+
+
+    // The number of terms/periods we pay this periodic payment:
+
+
+        interval_data[highest_segment][1] = installment_grace_periods;
+
+
+    // The size of the principal at the end of the interval. Here, it's the same as at the beginning, since no installments are paid:
+
+
+        interval_data[highest_segment][3] = principal_ann; 
+
+
+    // The interest-only period can only run from the beginning of the loan period. Then, the principal is yet not paid down:
+
+
+        interval_data[highest_segment][4] = principal_ann; 
+
+        
+    // Remainder when rounding the periodic payment: 
+
+
+        interval_data[highest_segment][5] = unrounded - interval_data[highest_segment][0];
+
+
+    // The periodic fee is set to the same amount as for the first ordinary annuity period:
+
+
+        interval_data[highest_segment][2] = price_storage[highest_segment-1][3];
+
+
+    // There could also be a periodic fee computed as a percentage of the principal:
+
+        
+        if (fee_percentage) interval_data[highest_segment][2] += principal*fee_percentage/100;
+
+    }
+
+
+
+
+
+/*
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      5) GLOBAL REMAINDER     ////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+
+
+
+COMPUTING THE GLOBAL REMAINDER
+
+When computing an annuity, we typically get numbers as 234.938267484958. This is not payable in a bank. 234.94 is, but these slightly too big
+annuity will make us overshoot the target payment at the end of the loan period (we pay a little too much).
+
+This amount is the "global residue". It is either ignored or compensated. It it is compensated, this is normally done with the last payment in 
+the loan period. Freeloan also supports it being compensated for in the first payment.
+
+*/
+
+
+    var disko,residue,gross_last;   
+
+
+//round_presision, 0, 'false' or omitted: Payment rounded to nearest 1/100 1: Rounded to nearest integer
+
+
+    if (round_presision == 1) disko = 1; else disko = 100;  // 'disko' is a divisor used when rounding
+
+
+/* 'interval_data[1][3]' contains the remaining principal at the end of each loan interval. When the last segment is paid, the remaining principal
+will be the global residue for the whole loan. The last segment to be paid is segment 1. (Of course, normally there is only one segment).
+
+We will now compute the non-rounded, last payment in the loan, included remainder and balloon. We call it 'gross_last'.
+
+'gross_last' is the sum of:
+
+
+'interval_data[1][0]'   -> the rounded annuity      
+
+'interval_data[1][5]'   -> the remainder after rounding the annuity, stored in 
+ 
+'interval_data[1][3]'   -> the non-raounded remainder of the principal after all periodic paymenst are made
+
+'balloon'       -> an eventuelt residual/ballon payment (stored in the variable 'balloon')
+    
+'interval_data[i][2]'   -> the periodic fee 
+
+
+When there is more than one segment, we pay the loan "backwords" through the array 'interval_data'. The last interval's values are always in 
+row 1. Hence, we use 'interval_data[1][x]' to compute the precise global residue:  */
+
+
+    gross_last = interval_data[1][0]+interval_data[1][5]+interval_data[1][3]+eval(balloon)+interval_data[1][2];
+
+
+/* The residue to be paid/compensated for with the last payment is the last payment - 'gross_last' - minus the rounded, ordinary payment: */
+
+
+    if (remainder_handling == 0 || !remainder_handling || remainder_handling == "") residue = Math.round(gross_last*disko)/disko-(interval_data[1][0]+interval_data[1][2]);
+
+
+// ..if the residue is just ignored:
+
+
+    else residue = Math.round(balloon*disko)/disko  // The planned residual/balloon is never ignored and always payed with the last payment.
+
+
+
+/*
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      6) EFFECTIVE INTEREST RATE:     ////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+As we now have an array/matrix containing all amounts due and the number of periods they should be paid, we can compute the effective interest
+rate.
+
+We apply the annuity formula:
+
+
+1) ANNUITY-IMMEDIATE
+
+(When 'advance == true')
+
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-IMMEDIATE:                      |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));      |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+We want to compute 'rate'.
+
+We use other variable names:
+
+payment = principal * (1 - k) / (k - Math.pow(k,calculation_periods+1));    
+
+We rearrange it with respect to 'principal':
+
+payment/principal =  (1 - k) / (k - Math.pow(k,calculation_periods+1));
+
+=> principal * (1-k) = payment * (k - Math.pow(k,calculation_periods+1));
+
+=> principal = payment * (k - Math.pow(k,calculation_periods+1))/ (1-k);
+
+We want the right hand expression to be a present value equal to 'principal'. For computation purposes, we thus call the principal 'PV':
+
+PV = payment * (k - Math.pow(k,calculation_periods+1))/ (1-k);
+
+We formerly computed the values for the array 'interval_data'. This array is two-dimentional. In each row (representing a rate segement) the
+three first elements contain:
+
+interval_data[i][0] -> annuity
+interval_data[i][1] -> the number of payments in this interval
+interval_data[i][2] -> periodic fee in the segment
+
+For each interval/step we shall now compute the present value of the stream of payments from the beginning to the end of the interval.
+
+We do that by subtracting the present value of one stream of payments from another:
+
+
+1) A strem of payments with the current periodical amount running from the first payment in the loan to the last payment in the interval:
+
+payment * (k - Math.pow(k,interval_end+1))/ (1-k)
+
+2) Minus a strem of payments with the same amount running from the first payment in the loan to the first payment in the interval:
+
+payment * (k - Math.pow(k,interval_start+1))/ (1-k)
+
+
+The present value of the payment stream from the beginning to the end of the interval transpires by subtracting the second expression from the first:
+
+PV = payment * (k - Math.pow(k,interval_end+1))/ (1-k) - payment * (k - Math.pow(k,interval_start+1))/ (1-k)
+
+We simplify:
+
+=> PV = (payment * k - payment * Math.pow(k,interval_end+1) - payment * k + payment * Math.pow(k,interval_start+1))/ 1-k
+
+The terms 'payment * k' falls against each other, and we get:
+
+=> (payment * Math.pow(k,interval_start+1) - payment * Math.pow(k,interval_end+1)) / 1-k
+
+We can isolate 'payment / (1 - k)':
+
+PV = (payment/(1-k)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1));
+
+'k' (the discount factor) is the unknown entity in our expression. The other variables are known.
+
+
+
+ 
+2) ANNUITY-DUE
+
+(When 'advance == false')
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-DUE:                        |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));        |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+
+We reason the same way as for annuity-immediate, but use the annuity-due formula
+
+PV = payment * (1 - Math.pow(k,termnumber))/(1 - k);
+
+So that our present value becomes:
+
+PV = payment * (1 - Math.pow(k,interval_end))/ (1-k) - payment * (1 - Math.pow(k,interval_start))/ (1-k)
+
+And the algebra:
+
+PV = payment/(1-k) - payment * Math.pow(k,interval_end)/(1-k) - payment/(1-k) + payment * Math.pow(k,interval_start)/(1-k)
+
+The first and third term falls, leaving:
+
+PV = payment * Math.pow(k,interval_start)/(1-k) - payment * Math.pow(k,interval_end)/(1-k)
+
+Common factor payment/(1-k) put ouside:
+
+PV = payment/(1-k) * (Math.pow(k,interval_start) -  Math.pow(k,interval_end))
+
+
+
+
+************************************************************************************************************************************************
+
+
+
+NEWTON'S METHOD - DIFFERENTIATION
+
+No formula gives us the effective interest rate directly. We find it by trying a likely value for 'k', adjusting it until we get the interest
+rate with the accuracy we want. Newton's method shortenes this try and fail process. It postulates that our 'k' will be found close to where the
+tangent to the curve in the present PV/k point crosses the k-axes: 
+
+http://en.wikipedia.org/wiki/Newton%27s_method
+
+The graph is in the PV/k space. A value of 'k' will give a value of 'PV': PV = f(k).
+
+The steepness of the tangent line is given by the differentiated function with respect to 'k':
+
+PV = (payment/(1-k)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1));
+
+For easier differentiation, we handle the two expressions on each side of the multiplication sign separately. We call them 'A' and 'B';
+
+PV = A*B; where
+
+A = payment/(1-k);
+
+B = Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1);
+
+One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+
+PV' = A'*B + A*B'   
+
+We fist differietiate 'A' separately according to the Quotient rule:
+
+A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+
+The differntiated of the constant 'payment' is 0. The differentiated of the variable 'k' er 1:
+
+=> A' = - payment* (1-k)' / (1-k)^2
+
+=> A' = payment / Math.pow(1-k,2)
+
+Then we differentiate 'B' according to the Power rule (y = x^n => y' = n*x^(n-1)):
+
+B = Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1);
+
+B' = (interval_start+1)*Math.pow(k,interval_start) - (interval_end+1) * Math.pow(k,interval_end)
+
+We then assemble the whole differentiated PV according to the Product rule:
+
+PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1)) + (payment/(1-k))*((interval_start+1)*Math.pow(k,interval_start) - (interval_end+1) * Math.pow(k,interval_end));
+
+As there is no notation for the differentiated in the programming language, we rename the differentiated PV' 'PV_dif':
+
+PV_dif = PV' 
+
+
+
+ANNUITY-DUE
+
+
+(When 'advance == false')
+
+We reason the same way:
+
+PV = payment/(1-k) * (Math.pow(k,interval_start) -  Math.pow(k,intervallslutt))
+
+A = payment/(1-k);
+
+B = Math.pow(k,interval_start) -  Math.pow(k,interval_end);
+
+One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+
+PV' = A'*B + A*B'   
+
+We fist differietiate 'A' separately according to the Quotient rule:
+
+A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+
+Den dervierte av konstanten 'payment' er 0. Den deriverte av variablen 'k' er 1:
+
+=> A' = - payment* (1-k)' / (1-k)^2
+
+=> A' = - payment / Math.pow(1-k,2)
+
+Then we differentiate 'B' according to the Power rule:
+
+B = Math.pow(k,interval_start) - Math.pow(k,interval_end);
+
+B' = interval_start * Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1)
+
+We then assemble the whole differentiated PV' according to the Product rule:
+
+PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start) - Math.pow(k,interval_end)) + (payment/(1-k))*(interval_start*Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1));
+
+As there is no notation for the differentiated in the programming language, we rename the differentiated PV' 'PV_dif':
+
+PV_dif = PV' 
+
+************************************************************************************************************************************************
+
+
+
+ITERATIONS:
+
+
+We have two, pretty much identical, alternative while-loops for computing annuity-due and annuity-immediate, respectively. Instead, we could have
+performed frequent if-test inside the loops, but this would probably have impaired performance more.
+
+When the function is called, at least one nominal interest rate will be among the parameters - the rate in the lowest segment. We skal use this 
+rate as our first guess as to what the effective interest rate might be.
+
+THe function does not use interest rate directly, only via the discount factor 'k' */
+
+
+    var k = 1 / (1+price_storage[1][4]/rate_divisor);   // First suggestion: The array 'price_storage' is a parameter to the function
+
+    var rounds = 0; // Counts the number of iterations
+    var PV = 0; // The present value
+    var PV_dif = 0; // the differiented of the present value
+    var payment;    // The peridoical payment in the annuity loan, included fees
+    var y = 1;  // 'y' is the function value that we want to make close to '0'. Givaen av value so we can enter the 'while'-loop.
+
+    var interval_start; // The number of payments from the start of the loan period until the interval starts
+    var interval_end;   // The number of payments from the start of the loan period until the interval ends
+
+
+    if (advance)    // Annuities paid at the beginning of each period - annuity-due
+
+        {
+
+        while (Math.abs(y) > 0.000001 && rounds<100)    // Here, we set the accuracy we want.
+            {
+
+            PV = 0;     // The present value of the payments
+            PV_dif = 0; // The differentiated of the present value
+        
+            interval_start = 0;
+            interval_end = 0;
+
+            
+            /* Now, we compute the present value 'PV' and the corresponding differetiated 'PV_dif' for each interval of the loan, given the 
+            current guess for the discount factor 'k.
+
+            In the case where the loan runse with different interest rates in succeeding intervals, we sum the present value for each. We 
+            also sum their differentiated values. */
+
+            for (i=highest_segment;i>0;i--) 
+                {
+
+                /* In order to compute the effective interest rate, we must compare all we pay with all we receive. Hence, we must 
+                include eventual fees in the periodic payments. The fee is in 'interval_data[i][2]': */
+
+                payment = eval(interval_data[i][0])+eval(interval_data[i][2]);
+
+                interval_start = interval_end;  // The end of the former interval is the start of this
+
+                interval_end += interval_data[i][1];    // The upper limit of this interval
+                            
+                PV += payment/(1-k) * (Math.pow(k,interval_start) -  Math.pow(k,interval_end));
+
+                /* The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply sum the 
+                differentiated in each interval */
+            
+                PV_dif += (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start) - Math.pow(k,interval_end)) + (payment/(1-k)) * (interval_start * Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1));
+
+                    
+                }
+        
+            /* One payment - the residue - is so far missing. We add the present value of the residue to the present value of
+            the other payments. If it is paid in the last period, it must be discounted to find the present value.
+            The residue is already rounded. In annuity-due (annuities in advance) the last payment is in period 'calculation_periods-1': */
+
+
+                PV += residue*Math.pow(k,calculation_periods-1); 
+
+
+            /* We also want to add the differentiated of the residue to the differiented of the other payments. 
+
+            The residue is a function of 'k', and we use the Power rule (http://en.wikipedia.org/wiki/Power_rule): 
+
+            y = x^n => y' = n*x^(n-1): 
+
+            PV_res = residue*Math.pow(k,calculation_periods-1) => PV_res_dif = residue*(calculation_periods-1)*Math.pow(k, calculation_periods-2);
+
+            */
+
+
+        
+                PV_dif += residue * (calculation_periods -1) * Math.pow(k, calculation_periods-2);  
+    
+                y = PV-received;                // Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+        
+                delta = -y/PV_dif;              // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+                if (eval(k)+eval(delta) != 1) k += delta;   // We increase/decrease 'k' (the annuity function crashes at k=1)
+
+                rounds++;
+        
+        
+            }
+
+        }
+    else        // Annuities paid at the end of each period - annuity-immediate - "normal" annuities.
+        {
+
+        while (Math.abs(y) > 0.000001 && rounds<100)    // Here, we set the accuracy we are looking at.
+            {
+
+            PV = 0;     // The present value of the payments
+            PV_dif = 0; // The differentiated of the present value
+        
+            interval_start = 0;
+            interval_end = 0;
+
+            
+            /* Now, we compute the present value 'PV' and the corresponding differetiated 'PV_dif' for each interval of the loan, given the 
+            current guess for the discount factor 'k.
+
+            In the case where the loan runse with different interest rates in succeeding intervals, we sum the present value for each. We 
+            also sum their differentiated values. */
+
+            for (i=highest_segment;i>0;i--) 
+                {
+
+                /* In order to compute the effective interes rate, we must compare all we pay with all we receive. Hence, we must 
+                include eventual fees in the periodic payments. The fee is in 'interval_data[i][2]': */
+
+                payment = eval(interval_data[i][0])+eval(interval_data[i][2]);
+
+                interval_start = interval_end;  // The end of the former interval is the start og this
+
+                interval_end += interval_data[i][1];    // The upper limit of this interval
+                            
+                PV += payment/(1-k) * (Math.pow(k,eval(interval_start)+eval(1)) - Math.pow(k,eval(interval_end)+eval(1)));
+
+                /* The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply sum the 
+                differentiated in each interval */
+            
+                PV_dif += (payment/ Math.pow(1-k,2)) * (Math.pow(k,eval(interval_start)+eval(1)) - Math.pow(k,eval(interval_end)+eval(1))) + (payment/(1-k))*((eval(interval_start)+eval(1))*Math.pow(k,interval_start) - (eval(interval_end)+eval(1)) * Math.pow(k,interval_end));
+            
+                    
+                }
+        
+            /* One payment - the residue - is so far missing. We add the present value of the residue to the present value of
+            the other paymen. If it is paid in the last period, it must be discounted to find the present value.
+
+            The residue was rounded when we computed it earlier: */
+
+
+                PV += residue*Math.pow(k,calculation_periods); 
+
+
+
+            /* We also want to add the differentiated of the residue to the differiented of the other payments. 
+
+            The residue is a function of 'k', and we use the Power rule (http://en.wikipedia.org/wiki/Power_rule): 
+
+            y = x^n => y' = n*x^(n-1): 
+
+            PV_res = residue*Math.pow(k,calculation_periods) => PV_res_dif = residue*calculation_periods*Math.pow(k, calculation_periods-1);
+
+            */
+
+
+        
+                PV_dif += residue*calculation_periods*Math.pow(k, calculation_periods-1);   
+    
+                y = PV-received;                // Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+        
+                delta = -y/PV_dif;              // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+                if (eval(k)+eval(delta) != 1) k += delta;   // We increase/decrease 'k' (the annuity function crashes at k=1)
+
+                rounds++;
+        
+        
+            }
+
+        }
+
+/* 'k' is a discouting factor that was defined as k = 1/(1+e) where 'e' is the periodic, effective interest rate as decimal fraction. (1+e) is
+the growth rate for each period. Hence, the growth rate for a year is (1+e)^12 (if there are 12 capitalizations per year). The effective, 
+annual interest rate in decimal fraction, thus, is ((1+e)^12)-1. In percentage: er = (((1+e)^12)-1)*100. 
+Since k = 1/(1+e)  => (1+e) = 1/k, we substiute and get er = ((1/k)^12-1)*100: */
+
+
+    er = (Math.pow(1/k,capitalization_freq) - 1)*100; // 'er' is the effective annual interest rate - the principal result of the function
+
+
+/* 
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      7)  RESULT REPORTING            ////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+
+The function primarily computes the effective interest rate. But as a bi-product, several other avalues were computed along the way. These could
+come handy during the result presentation - for instance the length of the intervals, the fees, the balloon.
+
+It is natural to return these values as a multidimentional array.
+
+The array 'res' had these values:
+
+res[0] -> Effective annual interest rate
+res[1] -> residue: What is left of the loan in the last term due to rounding
+res[2] -> The array 'interval_data', that contains:
+    
+    interval_data[x][0] -> payment              Net periodic payment, exclusive of fees, rounded
+    interval_data[x][1] -> number of terms;         The number of periodic payments it takes to pay down this segment of the loan
+    interval_data[x][2] -> periodic fee             Practical to have here
+    interval_data[x][3] -> adjusted lower segment limit     Since the number of periods must be and integer, you rarely hit the segment limit 
+                                accurately. The next segments limits must be adjusted accordingly.
+    interval_data[x][4] -> upper segment limit      Normally the same as 'price_storage[step][2]', but could also be adjusted
+    interval_data[x][5] -> remainder;           Fractions of cents we pay to little or too much each time due to rounding
+
+*/
+
+    res = new Array(3);
+    res[0] = er;
+    res[1] = residue+" / "+rounds;  
+    res[2] = interval_data; 
+
+    /* Normally, we pay more the last periods when there is an inital interest only-period. But when the borrower has specified that he is able
+    to pay only a maximum sum - 'firstpayment' - per month, we have to prolong the payment period instead: */
+    
+    res[3] = 0; // res[3] contains the number of payback periods.
+
+// NEW IN VERSION 1.1.:
+    if (rate_thresholds && firstpayment > 0)    // Where there are several intervals, we sum them up
+        {
+
+        for (i=1;i<interval_data.length;i++) if (interval_data[i][1]) res[3] += Number(interval_data[i][1]);
+        res[3] += installment_grace_periods;
+
+        }
+    else res[3] = interval_data[1][1]+installment_grace_periods;    // The payback period in number of payments
+// END - NEW IN VERSION 1.1.
+
+    return res;
+
+
+/* END function annuityLoan() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+// NEW IN VERSION 1.1.: (The whole function termnum_annu() is new in 1.1.)
+
+function termnum_annu(loan ,annuity ,rate ,due)
+{
+/*
+WHAT IT DOES:
+
+The function returns the number of periods it will take to pay down 'loan' to zero given the periodic payment 'annuity' and the 
+periodic interest rate 'rate'. Either when annuities are paid in advance ('due' = true) or by ordinary annuities, paid in arrears.
+
+PARAMETERS:
+
+loan        ->  The size of the gross loan, included orgination fees.
+annuity     ->  The periodic (often monthly) payment
+rate        ->  Nominal, periodic interest rate
+due     ->  TRUE if the annuities are paid in advance (annuity due)
+
+
+DERIVATION: 
+
+1) Annuity immediate:
+
+For ordinary annuities (annuities in arrears / annuity immediate) the formula is
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-IMMEDIATE:                      |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));      |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+'rate' being the periodical interest rate in decimal form.
+
+(k - Math.pow(k,termnumber+1)) * annuity = loan * (1 - k) 
+
+k - Math.pow(k,termnumber+1)  = loan * (1 - k) / annuity
+
+Math.pow(k,termnumber+1)  = k - (loan * (1 - k) / annuity) 
+
+C = k - (loan * (1 - k) / annuity) 
+
+Math.pow(k,termnumber+1)  = C
+
+The logarithm rule for exponential functions:  log a^x = x * log a
+
+log k *(termnumber+1) = log C
+
+termnumber+1 = log C / log k
+
+termnumber = log C / log k - 1
+
+
+2) Annuity due:
+
+For annuities in advance / annuity due, the formula is:
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-DUE:                        |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));        |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+
+annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));
+
+where k = 1 / (1 + r), 'r' being the periodical interest rate in decimal form.
+
+(1 - Math.pow(k,termnumber)) * annuity = loan * (1 - k) 
+
+1 - Math.pow(k,termnumber)  = loan * (1 - k) / annuity
+
+Math.pow(k,termnumber)  = 1 - (loan * (1 - k) / annuity) 
+
+C = 1 - (loan * (1 - k) / annuity) 
+
+Math.pow(k,termnumber)  = C
+
+The logarithm rule for exponential functions:  log a^x = x * log a
+
+log k * termnumber = log C
+
+termnumber = log C / log k
+
+DECIMALS: Per definition, period numbers must be integers. This rounding must happen outside this
+function, as it returns a decimal number.
+
+*/
+
+var k = 1 / (1 + rate);
+
+if (due) 
+    {
+    var C = 1 - (loan * (1 - k) / annuity);
+    return Math.log(C) / Math.log(k);
+    }
+else
+    {
+    var C = k - (loan * (1 - k) / annuity);
+    return Math.log(C) / Math.log(k) - 1;
+    }
+
+
+/* END termnum_annu() */}
+
+
+
+
+// END - NEW IN VERSION 1.1.
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function intervallength(upperlimit,rate,lowerlimit,periods,round_direction,round_presision,rate_divisor,interest_amount_res,advance)
+{
+/*
+WHAT THE FUNCTION DOES:
+
+It computes how many periods it takes to pay the segment's principal 'upperlimit' down to the amount 'lowerlimit' at the given interest
+rate and the given number of periods ('periods') that are left of the loan period.
+
+As its result, the function returns an array with five elements:
+
+answer[0] = periodic peyment;   Rounded according to the rules given in the paremeters
+answer[1] = number of periods;  Number of periods it takes to pay 
+answer[2] = "";         (reserved for the fee - will be inserted by the calling function)
+answer[3] = adjusted lower limit;   As the number of periods must be an integer, one normally passes the original loan limit
+answer[4] = upperlimit;     Same as the paramter
+answer[5] = rest;       Some cents / fractions of cents that are left of the periodic payment after rounding
+
+The number of periods cannot be a decimal number. The answer is thus rounded up to the nearest integer, because we want to make sure that
+the principal in the interval is payed down. (When there is subsequent intervals, the interest rate does not change before the principal
+limit is surpassed).
+
+When the number of periods are rounded up, we don't "hit" the principal limit accurately. Normally, the loan will be payed further down - the 
+remaining principal is lower than the limit. This remaining principal is computed and returned in 'answer[3]'.
+
+When we compute the number of periods, we don't include periodical fees, because these fees don't affect the remaining principal in the 
+bank's books.
+
+The peridical payment is rounded before the computations begin.
+
+
+PARAMETERS
+
+'upperlimit'        The size of the principal in this segment.
+'rate'          Nominal, annual interest rate. RATE CANNOT BE ZERO (!= 0)
+'lowerlimit'        Remaining principal after the interval is over.
+'periods'   The remaing number of periodical payments for the whole loan when the function is called. CANNOT BE ZERO (!= 0)
+'round_direction,   0, 'false' or omitted: Annuities are rounded after normal rules  1: Rounded up 2. Rounded down
+'round_presision,   0, 'false' or omitted: Payment rounded to nearest 1/100 1: Rounded to nearest integer
+'rate_divisor'      Factor the nominell annual rate in prosent is divided by to obtain the rate in decimal fraction
+'interest_amount_res'   The interest from an eventual residual/balloon added to eache period payment.
+'advance'       Bolean. If 'false', we use normal annuities (annuity-immediate). Otherwise annuities in advance (annuity-due).
+
+
+
+DERIVATION OF FORMULAS
+
+a) ANNUITY-IMMEDIATE
+
+Consider a loan of 2.5 millions, where you pay 3.95% as long as the remaining principal is greater than 2 millions. You pay 4.05% when 
+the loan is between 1 million and 2 millions. You pay 4.15% if the loan is paid off below 1 million. The example loan runs for 20 years 
+with monthly payments, 240 payments in all:
+
+ 
+We can easily compute the first annuity, using the annuity formula:
+
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-IMMEDIATE:                      |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));      |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+It will be 15,083.72
+
+At some point, the first threshold 2,000,000 will be passed, and the rate changes. But how many periods will this take?
+
+We know that if we pay 15.083.72 per month in 240 months, we will have paid the 2,5 million. The present value over 240
+terms is 2,5 millions:
+
+
+    PV(240) = 2,5 millons
+
+
+After an unknown number of periods – x –, we will pass the 2 million threshold. Then, the present value of the remaining loan will be 
+2 millions.
+
+
+    PV(x) = 2 millons
+
+    PV(240) - PV(x) = 500,000
+
+
+We rearrange the annuity formula with respect to the loan:
+
+capital = annuity * (k – k^(termnum+1)) /(1 - k) 
+
+
+2,000,000 = annuity * (k – k^(x+1)) /(1 - k)
+
+We call 2,000,000 ‘PV’ and the annuity ‘a’:
+
+    PV = a * (k – k^(x+1)) /(1 - k)
+=>  (PV * (1 – k)/a )= (k – k^(x+1)) 
+=>  (PV * (1 – k)/a) –k  = – k^(x+1) 
+=>  (PV * (1 – k)/a) –k  = – k^(x+1) 
+
+We multiply by -1:
+
+    k – (PV * (1 – k)/a)  =  k^(1+x)
+
+The whole left side consists of constants. We can set
+
+    II  C = k – (PV * (1 – k)/a)
+    I+II    C = k^(1+x)
+
+Taking the logarithm of both sides:
+
+    log(C) = (1 + x) * log (k) 
+=>  log(C) = log (k)+ (x * log (k))
+=>  (log(C) - log (k))/log(k) = x
+
+*********************************************************************************
+|                                       |
+|   TERM NUMBER FORMULA FOR ANNUITY-IMMEDIATE               |
+|                                       |
+|                                       |
+|   terms = (log(C)- log (k))/log(k)                    |
+|                                       |
+|                                       |
+|   where:                                  |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|   C = k – (PV * (1 – k)/a)                        |
+|                                       |
+|   a = annuity                             |
+|                                       |
+|   PV = present value (capital/loan/principal)             |
+|                                       |
+|                                       |
+|                                       |
+*********************************************************************************
+
+
+Subsituting the variable names:
+
+    nomrate = 3.95%
+    r = nomrate/1200
+    k = 1/(1+r)
+=>  k = 0.996719133
+
+    PV = 2,000,000
+    a = 15,083.72
+=>  x = 174.515769
+
+Thus, with an annuity of 15,083.72, the present value is 2,000,000 if the loan runs 174.515769 terms/payments.
+ 
+
+As term numbers in the real world are always integers, we have to round this number down in order to be certain that the 2 million threshold is 
+passed, and the interest rate thus can change.
+
+174,515769 => 174
+
+The number of periods in the first interval, where the loan runs with an interes rate of 3.95%, is thus 240 – 174 = 66.
+We repeat this procedure with eventual subsequent intervals.
+
+
+
+b) ANNUITY-DUE
+
+For loans where the annuities are paid in advance, annuity-due, we make a similar derivation:
+
+*********************************************************************************
+|                                       |
+|   FORMULA FOR ANNUITY-DUE:                        |
+|                                       |
+|                                       |
+|   annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));        |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|                                       |
+*********************************************************************************
+
+We use short forms of the variable names:
+
+    a = PV * (1-k) / (1 - Math.pow(k,x))
+=>  (1 - Math.pow(k,x)) = PV * (1-k) / a
+=>  - Math.pow(k,x) = (PV * (1-k) / a) - 1
+=>  1 - (PV * (1-k) / a) = Math.pow(k,x)
+
+
+The whole left side consists of constants. We can set
+
+    II  C = 1 – (PV * (1 – k)/a)
+    I+II    C = k^x
+
+Taking the logarithm of both sides:
+
+    log(C) = x * log (k) 
+=>  x = log(C)/ log(k) 
+
+
+*********************************************************************************
+|                                       |
+|   TERM NUMBER FORMULA FOR ANNUITY-DUE                 |
+|                                       |
+|                                       |
+|   terms = log(C)/ log(k)                          |
+|                                       |
+|                                       |
+|   where:                                  |
+|                                       |
+|                                       |
+|   k = 1/(1+rate);                             |
+|                                       |
+|   C = 1 – (PV * (1 – k)/a)                        |
+|                                       |
+|   a = annuity                             |
+|                                       |
+|   PV = present value (capital/loan/principal)             |
+|                                       |
+|                                       |
+|                                       |
+*********************************************************************************
+
+NB! These two formulas don't support negative interest rate, as that would lead to a k < 1
+
+And log(k) is not defines for negative values of 'k'.
+
+
+ */
+
+
+    
+    var PV, k, fullannuity, C, a, remaintime, remainder;
+        
+    PV = upperlimit-lowerlimit;
+
+    k = 1/(1+rate/rate_divisor);
+    
+    if (k < 0) return -6; // Negative interest rate not supported
+
+    if (advance)
+        {
+
+        if (periods != 1) fullannuity = upperlimit * (1 - k) / (1 - Math.pow(k,periods));
+        else return -6;// 'periods' = 1 would give divitions with zero
+    
+        // In order to find the correct number of periods, we must use the actually paid - rounded - annuities:
+
+        a = roundoff(fullannuity, round_direction, round_presision);
+
+        C = 1 - (lowerlimit * (1 - k)/a);
+
+        remaintime = Math.log(C)/Math.log(k); 
+
+        }
+    else
+        {
+
+        if (periods != 0) fullannuity = upperlimit * (1 - k) / (k - Math.pow(k,periods+1));
+        else return -6; // 'periods' = 0 would give divitions with zero
+    
+        // In order to find the correct number of periods, we must use the actually paid - rounded - annuities:
+
+        a = roundoff(fullannuity, round_direction, round_presision);
+
+        C = k - (lowerlimit * (1 - k)/a);
+
+        remaintime = (Math.log(C) - Math.log(k))/Math.log(k);
+
+        }
+
+
+/* As the time elapsed in this interval is 'elapsed' = 'periods' minus 'remaintime', we must round 'remaintime' DOWN to 
+be certain the threshold is really passed: */
+
+    
+    remaintime = Math.floor(remaintime);
+
+
+    var remainder = fullannuity - a; // The differenve between the unrounded and rounded annuity
+
+
+/* REMAINING PRINCIPAL
+
+
+This is one of the most subtle/tricky parts of FreeLoan.
+
+We can only pay rounded annuities. One thousandth of a cent does not exist.
+
+The present value of the rounded payments do not exactly match the present value of the theoretical payments writtten with an 'infinite'
+number of decimal fractions.
+
+But the bank will still deduct the installment part of the annuity from the booked principal. For each term, these two values will differ.
+
+This discrepancy will follow us through the whole computation if we apply the annuity formula directly in order to find the remaining
+principal.
+
+We find the remaining principal by:
+
+o Computing the principal 'upperlimit_adjusted' using the rounded annuity 'annuity_true' 
+o Computing 'deviation' - the difference between 'upperlimit_adjusted' and 'upperlimit' - the latter a parameter to the function
+o Computing 'remainingprincipal' as the sum of the present value at the end of the interval using 'annuity_true' and the forward discounted
+deviation.
+    
+
+In case the loan has a residual/ballon part that remains at the end of the loan period, the interest amount for an eventual such part of the 
+loan is found in the parameter 'interest_amount_res'. It must be taken into account when rounding:
+
+*/
+    
+
+    var fullannuityround = roundoff(fullannuity + interest_amount_res, round_direction, round_presision); // Interest on residual + annuity
+
+    var annuity_true = fullannuityround - interest_amount_res;  // The rounded payment minus the unrounded interest amount
+
+    var elapsed = periods - remaintime; // The number of periods it takes to pay the principal lower than 'lowerlimit'
+
+
+
+
+/* We apply the annuity formula again:
+
+annuity = principal * (1 - k) / (k - Math.pow(k,calculation_periods+1))
+
+.. with respect to the principal:
+
+principal = annuity * (k - Math.pow(k,calculation_periods+1))/ (1 - k) 
+
+.. if we got an annuity-due (payment in advance) loan:
+
+principal = annuity * (1 - Math.pow(k,calculation_periods))/ (1 - k) 
+
+The adjusted principal, 'upperlimit_adjusted' deviates a little from 'upperlimit', as the former is computed with rounded annuities:*/
+
+
+    var upperlimit_adjusted;
+
+    if (advance) upperlimit_adjusted = annuity_true * (1 - Math.pow(k,periods))/ (1 - k);
+    else upperlimit_adjusted = annuity_true * (k - Math.pow(k,periods+1))/ (1 - k);
+
+
+/* We call our small deviation - the difference between the inital principal computed with rounded and unrounded payments - 'deviation': */
+
+
+    var deviation = upperlimit - upperlimit_adjusted; 
+
+
+/* As time passes, this initial, small error will be charged with interest and grows. At any point in time, the remainding debt will be the
+present value of the rounded, ordinary payments, plus the value of the rate-incurred deviation: */
+
+
+    var remainingprincipal;
+
+    if (advance) remainingprincipal = annuity_true * (1 - Math.pow(k,remaintime))/ (1 - k) + deviation * Math.pow(1+rate/rate_divisor,elapsed-1);
+    else remainingprincipal = annuity_true * (k - Math.pow(k,remaintime+1))/ (1 - k) + deviation * Math.pow(1+rate/rate_divisor,elapsed);
+
+/* FIVE ANSWERS
+
+We will return both the annuity and the number of periods it took to pay the loan down to 'lowerlimit' from 'upperlimit' with that
+annity. We also wish to keep the new, adjusted value of the "outgoing" principal. */
+
+    var answer = new Array(5);
+    answer[0] = a;
+    answer[1] = elapsed;        // The real result of the function - the number of periods it takes to pay down this segment of the loan
+    answer[2] = "";         // Reserved for the fee - inserted by calling function.
+    answer[3] = remainingprincipal; // The remaining principal
+    answer[4] = upperlimit;     // Same as the parameter
+    answer[5] = remainder;      // Cents/fractions of cents we pay too much or too little at each annuity due to rounding
+    
+    return answer;
+
+/* END function intervallength() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function intervallength_separate(segmentarray,step,periods_remaining,round_direction,round_presision,rate_divisor,interest_amount_res)
+{
+
+/*
+
+WHAT THE FUNCTION DOES
+
+The function 'intervallength_separate()' computes how many payments are needed to pay down the loan from the upper to the lower loan lomit of 
+the loan segment 'step', provided all segments of the loan are served as annuity loans with different interest rates, but installments from 
+all segments are only used to reduce/pay down the upper segment 'step'.
+
+The difference from 'function intervallength()' is that the latter computes the number of payments in interecals where the interest rate
+at any one time is the same for all parts of the loan. Here, in 'intervallength_separate', parallell interest rates could be used in 
+different segments at the same time.
+
+As the installments also in other segments than segment 'step' are reducing the principal, we need information about all segments.
+
+As its result, the function returns an array with five elements: 
+
+answer[0] = annuity;                // Rounded according to rouding rules provided as parameters.
+answer[1] = number of periods;          // The number of periods it takes to pay down segment 'step'
+answer[2] = "";                 // (For the periodical fee - added by calling function)
+answer[3] = adusted remaining principal;    // Since the number of periods must be an integer, on misses the intended principal slightly
+answer[4] = ovregrense;             // Taken from the parameter 'segmentarray'
+answer[5] = rest;               // Some cents/fraction of cents that remains of the annuity after rounding
+
+The number of periods must be an integer. This effects the the remaining principal. It is computed and returned in answert[3]
+Terminbeløpet inneholder ikke termingebyr, da termingebyret ikke påvirker hovedstolen i bankens regnskap.
+
+Terminbeløpet avrundes etter regler gitt ved funksjonens parametere 'round_direction', 'round_presision' og 'rate_divisor'.
+
+
+PARAMETERS: 
+
+'segmentarray' is a matrix with one row for each segment of the loan. Each segment, for instance segment 'x', have these values:
+'segmentarray': En matrise med en rad for hvert segment. Hvert segment, her segment 'x', har verdiene:
+
+    segmentarray[x][1]  -> OBLIGATORY: Lower limt for the principal in the segment.
+    segmentarray[x][2]  -> OBLIGATORY: Upper limt for the principal in the segment.
+    segmentarray[x][3]  -> The periodical fee in the segment
+    segmentarray[x][4]  -> OBLIGATORY: The interest rate in the segment in percent. 6,3% per anno -> 6,3 
+
+
+    Det øverste/siste/dyreste segmentet skal ligge sist - med høyest plassnummer - i 'segmentarray'.
+
+    'step'          -> OBLIGATORY: Index for the segment we are computing the number of payment periods for
+    'periods_remaining' -> OBLIGATORY: Number of payment periods remaing of the whole loan.
+    'round_direction,   0, 'false' or omitted: Annuities are rounded after normal rules  1: Rounded up 2. Rounded down
+    'round_presision,   0, 'false' or omitted: Payment rounded to nearest 1/100 1: Rounded to nearest integer
+    'rate_divisor:'     Factor we devide the annual percentage interest rate by to obtain the periodical decimal fraction rate..
+
+
+
+
+METHOD
+
+
+We search for the number of periodic payment  - 'periods' - neccesary to pay down the the principal in the segment 'step'.
+
+At the end of 'term', while all segments of the loan run as separate annuity loans, the value of the whole loan - principal -  should be
+paid down by the size of the segment 'periods'. Due to rounding, we will not precicely hit the amount.
+
+This amount, thus, will be the sum of the installments. The sum, in other words, is known. But we don't know the part-installments in 
+each segment. Hence, we cannot compute 'periods' directly. We have to do it through iterations.
+
+We use Newton's method in order to obtaing effectiv iterations. It's described here:
+
+http://en.wikipedia.org/wiki/Newton%27s_method
+
+We need a guess, a start value for the number of periods we are looking for. We use the interest rates and the initial size of the segments
+to compute an weighted average interest rate */
+
+
+    var segment, weight;
+    var weighted_rate = 0;
+    var start_principal = segmentarray[step][2]-segmentarray[1][1]; // Principal in the interval at the start. (Step zero is not used).
+
+    for (i=step;i>0;i--)    // We run through all the steps
+        {
+
+        segment = segmentarray[i][2]-segmentarray[i][1];
+        weight = segment/start_principal;
+        weighted_rate += segmentarray[i][4]*weight;
+    
+        }
+
+
+/* Then we can use the function 'intervallength' to make an estimate for the number of periods it will take to pay the loan down to the 
+wished size. THe estimate is done as if there were no segments, only one homogenous loan: */
+
+
+
+    var periods;
+
+    if (step > 1) periods = intervallength(segmentarray[step][2],weighted_rate,segmentarray[step][1],periods_remaining,round_direction,round_presision,rate_divisor,interest_amount_res)[1];
+
+    else periods = periods_remaining;
+
+
+/* If there is only one segment, the number of steps wquals the remaing number of periods for the whole loan. The function 'intervallength'
+resurns an array. The number of periods ar ein element 1, that we have kept in the variable 'periods' in the sentence above.
+
+Before we perform the iteration, we also want to compute the annity in each segment, plus a growth factor, 'k',  derived from the interest rate.
+
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+///////////////////////////////////  DERIVASJON AV 'sum avdrag' ////////////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+METHOD:
+
+By the annuity formule, we can find out how many periods are required to pay al loan down to zero. Here, we won't neccesarily pay the loan to
+zero, but to a lower limit for the segment that is given in 'segmentarray'. 
+
+The number of periods it takes to pay the loan down to zero is in the parameter 'periods_remaining'.
+
+We use the annuity in the intervall and compute how many periods it would take to pay the remaining loan to zero.
+
+The difference must be the number of peroids it would take to pay down the principal to the remaining loan.
+
+Newton's method dictates that we differentialte the function with respect to the number of periods.
+
+We use the annuity formula:
+
+*********************************************************************************
+|                                       |
+|                                       |
+|   annuity = principal* (1 - k) / (k - Math.pow(k,calculation_periods+1))  |
+|                                       |
+|                                       |
+|   where                                   |
+|                                       |
+|                                       |
+|   k = 1/(1+rate)                              |
+|                                       |
+|                                       |
+*********************************************************************************
+
+We will rephrase this with respect to principal:
+
+
+    principal = annuity * (k - Math.pow(k,eval(calculation_periods)+eval(1))) / (1 - k);
+
+
+We want to compute how long time it would take to pay the remaining loan down to zero, and use other variable names:
+
+
+    endprincipal = annuity* (k - Math.pow(k,eval(resttid)+eval(1))) / (1 - k);
+
+
+During the iterations, we sum up the installments that are paid in each segment during the period. This sum is the size of the
+princiapal at the beginning minus an eventual residue at the end:
+
+
+    sum_installments += segment - endprincipal;
+
+We will differetiate with respect to the time variable 'remaintime". 'segment' is a constant - the derivative of a constant is zero.
+We thus consentrate on the variable 'endprincipal', which is a function of 'remaintime'
+
+
+    endprincipal = annuity* (k - Math.pow(k,eval(remaintime)+eval(1))) / (1 - k);
+
+
+    endprincipal = annuity* k / (1 - k)  -  annuity* Math.pow(k,eval(remaintime)+eval(1))) / (1 - k);
+
+
+Differeentiation rules are on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+
+The first term - annuity* k / (1 - k) - consists of constants with a derivative = 0. The other term is an exponential function.
+
+To differentiate the expontential function: f(x) = a^x   => f'(x) = a^x * ln(a) 
+
+In javascript, the natural logartim for a is computed with the function Math.log(a)
+
+
+    endprincipal' =  - annuity* Math.pow(k,eval(remaintime)+eval(1)) * Math.log(k) / (1-k);
+
+
+For a simpler expression
+
+
+    comptime = eval(remaintime)+eval(1)
+
+
+    endprincipal' =  - annuity* Math.pow(k,eval(comptime) * Math.log(k) / (1-k);
+
+
+
+'endprincipal' contains the remaining principal after the period we are looking at. Installments paid in the period are 
+'period_inst'. This amount is the principal at the start of eacrh period - 'startprincipal' - minus the principal at the end, 'endprincipal':
+
+
+    period_inst = startprincipal - endprincipal;
+
+
+As startprincipal is a constant, it "disappears" then differentiating:
+
+
+    period_inst' = -endprincipal'
+
+
+We subsitute for "endprincipal'" that we just computed:
+
+    period_inst' = annuity* Math.pow(k,eval(comptime) * Math.log(k) / (1-k);
+
+We will sum all 'period_inst'-amounts in the variable 'sum_installments'. The derived of 'sum_installments' we shall call 'angle'.
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+///////////////////////////////////  ITERATIONS ////////////////////////////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+*/
+
+
+    var sum_installments = 0;                   // Paid installment summed over all the segments
+    var sum_annuity= 0;                     // The sum of the annuities (installment and interest) in each interval
+    var diff = 1;                           // The difference between computed and wanted installment sum 
+    var angle = 0;                          // The sum of the differentiated functions
+    var downpaid = segmentarray[step][2]-segmentarray[step][1]; // The size of this segment ('step')
+    var comptime, k;
+
+// Vi beregner først annuiteten i hvert segment, som ikke vil forandre seg gjennom iterasjonene: 
+
+for (i=step;i>0;i--)
+    {
+
+    // The principal that is reduced through the installments in segment 'i':
+
+
+        segmentarray[i][5] = segmentarray[i][2] - segmentarray[i][1];   
+
+
+    // The dicounting factor used in the annuity formula (called 'k' in the expression) for segment 'i':
+
+        
+        segmentarray[i][6] = 1 / (eval(1) + eval(segmentarray[i][4] / rate_divisor));   
+
+
+    // Annuity in segment 'i':
+
+
+        segmentarray[i][7] = segmentarray[i][5] * (1 - segmentarray[i][6]) / (segmentarray[i][6] - Math.pow(segmentarray[i][6],eval(periods_remaining)+eval(1))); 
+
+
+    // To be used in result-reporting:
+
+
+        sum_annuity+= segmentarray[i][7];   
+
+    }
+
+
+/* We have already made a rough estimate over how many periods it will take to pay down the loan to a level where the segment 'step' has
+been paid. We will use this value as the initial guess when searching for 'remaintime': */
+
+
+    var remaintime = periods_remaining - periods;
+
+
+/* 'remaintime' is the only unknown variable in the following iterations*/
+
+    var rounds = 0;
+
+    while (Math.abs(diff) > 0.001 && rounds<100)
+        {
+
+        sum_installments = 0;
+        angle = 0;
+
+        for (i=step;i>0;i--)
+            {
+        
+            comptime = eval(remaintime)+eval(1);    // Help variable
+
+            k = segmentarray[i][6];             // The discount factor of segment 'i'
+
+            startprincipal = segmentarray[i][5];        // The principal in  segment 'i' at the start of 'periods'
+
+            endprincipal = segmentarray[i][7] * (k - Math.pow(k,comptime)) / (1 - k); // Remaining principal at the end of 'periods'
+
+            period_inst = startprincipal - endprincipal;    // Installment in the period 'periods' in segment 'i'
+
+            sum_installments += period_inst;        // We sum the installments for each segment here.
+
+            angle += segmentarray[i][7] * Math.pow(k,comptime) * Math.log(k) / (1-k); // Summing the differentiated 
+
+            }
+
+        /* We then compute the differnce between 'sum_installments' and the facit 'downpaid' (the principal of segment 'step'). The two shall become equal. */
+    
+
+        diff = sum_installments - downpaid;
+
+
+        /* 'diff' is a function of 'remaintime'. We seek to find a 'remaintime' which makes 'diff' close to zero. Since 'downpaid' is
+        a constant, the differntiated of the function 'diff' is the derived of 'sum_installments'. We have already computed the 
+        differentiated of 'sum_installments'. It is commpounded in the variable 'angle'. So now, we can compute hoe much we will
+        add or subtract from 'remaintime' to get 'diffæ closer to zero: */
+    
+    
+        remaintime += -diff/angle;
+
+        rounds++;
+
+        }
+
+/* THE NUMBER OF PERIODS MUST BE AN INTEGER
+
+Our number for remaining periods after the current term is over, is so far a decimal fraction. There are noe corresponing payment stream in 
+reality. Payments normally only accur at whole periods, so the answer must be an integer.
+
+In order to compute the number of periods it takes to pay down the current segment, we subtract 'remaintimæ' from 'periods_remaining': THe 
+number of periods remainig at the start of the interval minus the periods remaing at the end. 
+
+This number must be rounded up. But to achieve this, we first round 'remaintimæ' down */
+
+
+    remaintime = Math.floor(remaintime);            // Integer
+
+    var theseperiods = periods_remaining-remaintime;    // The main function result
+
+/* 
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+///////////////////////////////////  RESULT REPORTING  /////////////////////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+FIVE ANSWeRS:
+
+We will return |both the number of periods it takes to pay down 'segment'. This is stored in  'theseperiods'. We will also return the new adusted
+lower limit for the segment. Finally, we adjust for rounding. We thus return an array as function result.
+
+REMAINING PRINCIPAL / ADJUSTED LOWER LIMIT
+
+With several parallell segments, different parts og the loan un with separate annities. But the installment part of the annuities are subtracted
+only from the current segment 'step'. In order to compute the remaining principal accurately, we have to transverse all the periods of the 
+segment (the reason for this, is that every period's installment must be computes separatelt after the periodic payment is rounded. Otherwise, 
+we would have used the annuity formula). 
+
+For the segments that are not paid down in the interval, the installment part does not change through the interval. Hence, we start by 
+determing the sum of these installments (if this is not the last segment, wher only the one segment is paid down). */
+
+
+    var other_installment = 0;
+
+    var other_principal = 0;
+
+    var other_annuity = 0;
+
+    var other_rateamount = 0;
+
+    var segmentannuitet;
+
+    var segmentrate;
+
+    var segmentprincipal;
+
+    var segmentrateamount;
+
+
+
+    for (i=step-1;i>0;i--)
+        {
+
+        segmentannuity = segmentarray[i][7];            // The segment's annuity
+
+        segmentrate = segmentarray[i][4] / rate_divisor;    // The segments interest rate
+
+        segmentprincipal = segmentarray[i][5];          // The segment's initial principal
+
+        segmentrateamount = segmentprincipal * segmentrate; // The segment's interest amount (for each payment)
+
+        other_rateamount += segmentrateamount;          // The other segments' interest amount
+
+        other_annuity += segmentannuity;            // The other segments' annuities
+
+        other_installment -= segmentrateamount;         // The other segments' installments
+
+        other_principal += segmentprincipal;            // The other segments' principal
+        
+        }   
+
+
+    // Then we transverse all payments, compute the installment on subtract it from the principal of the segment:
+
+    
+    partprinc = segmentarray[step][2] - other_principal;    // Dette segmentets hovedstol (opprinnelige lånebeløp)
+
+    intannuity = segmentarray[step][7] + other_annuity; // Segmentets annuitet pluss øvrige segmenters annuitet
+
+    segmentrate = segmentarray[step][4] / rate_divisor; // Segmentets terminrente
+
+    
+    for (j=1;j<=periods;j++)
+        {
+
+
+        segmentrateamount = partprinc * segmentrate;        // Segmentets rentebeløp
+
+        interest_segmentbelop = segmentrateamount + other_rateamount + interest_amount_res; // Trinnets rentebeløp
+
+        trinnavdrag = roundoff(intannuity + interest_amount_res, round_direction, round_presision) - interest_segmentbelop; // Kunden kan bare betale avrundede annuiteter.
+
+        partprinc -= trinnavdrag;
+        
+                            
+        } 
+
+    
+    gjenstol = other_principal + partprinc; // Den delen av hovedstolen som ikke ble avdratt pluss resten av stolen som ble avdratt (som kan være negativ)
+
+    var answer = new Array(5);
+
+    answer[0] = roundoff(sum_annuity, round_direction, round_presision); // Annuiteten avrundet etter gjeldende avrundingsparametere.
+
+    answer[1] = theseperiods; // Hovedsvaret funksjonen gir: Hvor mange terminer det tar å betale ned segmentet 'step'
+
+    answer[2] = ""; // Reservert til termingebyret - som legges inn av kallende funksjon
+
+    answer[3] = gjenstol;   // Gjenværende hovedstol ved slutten av lånet.
+
+    answer[4] = segmentarray[step][2]; // "Inngående balanse" for hovedstolen
+
+    answer[5] = sum_annuity - answer[0]; // Positivt tall: Vi har betalt for lite. Negativt: vi har betalt for myerest; 
+
+    return answer;
+
+/* END function intervallength_separate() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        (END EFFECTIVE INTEREST RATE FOR ANNUITY LOANS)                 <<<<<<< ++++|++++ >>>>>>            
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        EFFEKTIVE INTEREST RATE SERIAL LOAN                     <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+
+
+function serialLoan(
+received,       // OBLIGATORY: The loan amount received by the borrower. (Due to fees, this might deviate from the principal in the bank's books).
+
+// NEW IN VERSION 1.1.: 
+firstpayment,       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' >0, the number of periods are computed*)
+numberofperiods,    // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+// END - NEW IN VERSION 1.1.
+
+periods_per_year,   // OBLIGATORY: In order to compute annual, effective interest rate, som connection to years must be made.
+balloon,        // 0, 'false' or omitted: Zero. Integer > 0: The planned residual value of the loan ("balloon") to be paid when the loan period is over.
+interestonly_periods,   // 0, 'false' or omitted: zero. Integer > 0: The initial interest-only period wanted by the borrower
+round_direction,    // 0, 'false' or omitted: Annuities are rounded after normal rules  1: Rounded up 2. Rounded down
+round_presision,    // 0, 'false' or omitted: Payment rounded to nearest 1/100 1: Rounded to nearest integer
+remainder_handling, // 0, 'false' or omitted: The "global" residue after the loan is payed / compensated with the last payment  1: Is ignored
+ignore_origination, // 0, 'false' or omitted: Origination fee added to the loan and included in the computation. 1 or true: Computation performed without origination fee *)
+advance,        // 0, 'false' or omitted: 0. Annuity-immediate (interest in arrears) 1, Annuity_due (Payment in advance) **)
+capitalization_freq,    // 0, 'false' or omitted: 12 (Capitalization 12 times a year). Integer>0: Any number of capitalizations per year.
+interestonly_periods_max,   // 0, 'false' or omitted: 0. Integer >= 0: The maximal interest only-period offered by the bank. In years. 
+fee_processing,     // 0, 'false' or omitted: 0. Number >= 0: Processing fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period.  ****)
+fee_document,       // 0, 'false' or omitted: 0. Number >= 0: Document preparation fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period. ****)
+fee_percentage,     // 0, 'false' or omitted: 0 .Number >= 0: Percentage fee: One-time fee to be payed at the beginning of the loan period computed out of the principle (gross loan). 2 = 2%. ****)
+fee_period_perc,    // 0, 'false' or omitted: No percentage fee. Integer: Percentage. Loans given as a credit line have a periodical has a fee as a percentage of principal PER PERIOD 
+rate_thresholds,    // 0, 'false' or omitted: No - intial interest rate is fixed for the whole loan for the whole loan period. 1 or 'true': Rate might change *****)
+rate_segments,      // 0, 'false' or omitted: No - all segments of the loan has the same interes rate. 1 or 'true': Every segment might have separate interest rates. ******)
+price_storage,      // OBLIGATORY: The parmeter 'price_storage' is a two-dimentional array. It must have at least one interest rate, in 'price_storage[1][4]'. 'price_storage[0]' is not expected nor used.*******)
+accuracy)       // OBLIGATORY: 0: Acceptable accuray, high performance 1: Normal accuracy, normal performance 2: Very high accuracy, low performance
+
+/* 
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      WHAT THE FUNCTION DOES:     ////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+The function computes effective interest rate for a serial loan. As a side product, other values that could come useful are computed too. All
+results are returned in the array 'res':
+
+
+res[0] -> effective annual interest rate
+res[1] -> remainder
+res[2] -> array with one 'j' for every single payment during the whole loan period:
+
+    res[2][i][0]  -> The whole rounded payment for period 'i', included installment and fees. 
+    res[2][i][1]  -> The installment for peroid 'i'
+    res[2][i][2]  -> The fee for period 'i'
+
+// NEW IN VERSION 1.1.: 
+res[3] -> Number of periods (terms) when 'fistpayment' is given instead of 'numberofperiods'
+// END - NEW IN VERSION 1.1.
+
+The function handles three different types of loan segments:
+
+
+i)      The interes rate for the whole loan is determined by the initial size of the principal when the loan is given. The rate does not 
+    change during the loan period. This is the most common and the simplest model.
+
+ii)     The interest rate for the whole loan changes when the principal passes certain thresholds (the parameter 'rate_thresholds' == true)
+
+iii)    Separate segments of the loan have different interest rates at the same time. All installments are deducted from the uppermost segment 
+    of the loan. This segment, thus, is payed dowm first. For instance, ther rate for the segment between 0 and 500,000 could be 4%, between 
+    500,000 and 1,000,000 i could be 3.5% and above 1,000,000 it could be 3%. All applying at the same time. 
+    (The parameter 'rate_segments' == true)
+
+
+
+PARMETERS:
+
+See the corresponding definitions in the main function freeLoan().
+
+
+SECTIONS IN 'serialloan_effrate()':
+
+The function consists of seven separate, numbered sections:
+
+1)      Preparation and adaption of data
+2)  Computation of all period payments and the remainder
+3)      computation or the effective interest rate
+4)  Result reporting
+
+
+
+EXTERNAL FUNCTIONS USED
+
+
+function roundoff()
+
+
+
+ERROR CODES
+
+
+See the definitions in the main function freeLoan().
+
+
+
+THE PLAN
+
+The interest rate is computed by iterations. Before performing the iterations, we need to know the size of every payment and the time on when
+it is paid. When we have a loan that changes interest rate during the payment period, we could have subsequent intervals with different rates. 
+The function also supports parallell interest rates. 
+
+Hence, all the payments, rounded and placed in their respective period must be computed and stored in the array 'interval_data'.
+
+Generally, we use the function parmeters to compute the values in 'interval_data' before we use the values in 'interval_data' to compute the 
+result(s) that will be returned in the array 'res'.
+
+// NEW IN VERSION 1.1.: 
+ASSUMPTION FOR "PERIOD MODE"
+
+In "period mode", when the first payment is known and we compute the number of periods, we assume that the first payment is the greatest of
+all payments during the loan period. This would be true in all normal cases, but wrong if the interest rate increases dramatically after a
+while.
+
+// END - NEW IN VERSION 1.1.
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+//////////////////////////      1) PREPARATION AND ADAPTION OF DATA:              //////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+*/
+
+{
+
+/* 
+
+
+DATA IN A FORMAT SUITABLE FOR OUR FORMULAS:
+
+It is mathematically correct to take all fees into consideration when computing effective interest rate. But the function also supports
+the ommittance of the start/orgination fees: */
+    
+
+    var principal;
+
+    if (ignore_origination) principal = eval(received);         
+    else 
+        {
+
+        principal = (eval(received) + eval(fee_document)) * (100+fee_percentage) / 100; // What the user receives plus fees
+
+        // Compensation for unexplained error: 'fee_processing' sometimes evaluates to 'undefined':
+
+        if (!isNaN(eval(fee_processing))) principal +=fee_processing;
+
+        }
+
+
+// Error if the balloon is greater than the principal:
+
+
+    if (balloon > principal) return -3;
+
+    
+/* Total number of calculation periods are the total number of periods, 'numberofperiods'  divided by 'periods_per_year' to find the number 
+of years. We then multiply this by the capitalization frequency, 'capitalization_freq' to find the number of calculation periods.
+
+*/
+
+// MOVED IN VERSION 1.1.: (An error was also corrected: The 'while' statment was while (found = false) )
+
+/* 'rate_divisor' is the divisor the nominal, annual interest rate must be divided by to obtain the periodic interest rate. For instance, a
+nominal interest rate of 6% equals a nominal monthly decimal rate of 0,005 => 6/1200. */
+
+
+    var rate_divisor = 100*capitalization_freq;
+
+
+/* What is the upper segment n 'price_storage'? The function '.length' returns the length inclusive element zero, that is not in use. The last
+element, thus, is  'element.length-1': */
+
+
+    var num_segm = price_storage.length-1;  
+
+
+/* Identifying the lowest segment that contains the upper loan amount limit: */
+
+    var found = false;
+
+
+    while (found == false)
+        {
+
+        if (principal > price_storage[num_segm][1] || num_segm == 1) found = true; 
+        else num_segm--;
+
+        }
+
+// END - MOVED IN VERSION 1.1.
+
+// NEW IN VERSION 1.1.:
+
+var termnumber;
+
+    if (firstpayment != "") 
+        {
+
+        /* Computing the number of periods of a serial loan is simple. It is the net loan dividied by the net
+        installment. The net installment it the net first payment - 'netpayment' - minus the interest part.
+
+        First, we must deduct fees from the payment, as these are not going towards paying off the loan: */
+
+        var netpayment = (firstpayment * 12/capitalization_freq) - price_storage[num_segm][3] - principal*fee_period_perc/100;
+
+        /* Then, we deduct the first interest payment. ('price_storage[1][4]' contains the first annual, nominal rate).
+
+        If there is an initial interest-only period, the number of terms are either undetermed, or 'fistpayment' must be assumed 
+        
+        to mean the fist payment of the period after the interest-only period, when we are starting to pay off the loan. 
+
+        */
+
+        var netinstall = netpayment - price_storage[num_segm][4]/rate_divisor*principal;
+
+        // If the net payment does not cover the interest rate, the loan cannot be payed back:
+
+        if (netinstall < 0) return -8;
+
+        // The number of periods are simply the principal divided on the periodical installment:
+
+        termnumber = Math.ceil((principal - balloon) / netinstall); // Not sure if normal rounding is correct here, but..
+
+        }               
+    
+
+    else termnumber = numberofperiods;
+
+var calculation_periods = Math.ceil(termnumber/periods_per_year*capitalization_freq); 
+
+
+//alert(netinstall+" "+price_storage[num_segm][4]/rate_divisor*principal); 
+    
+// END - NEW IN VERSION 1.1.
+
+
+// The number of intial interest-only periods (where no installments are paid):
+
+
+    var installment_grace_periods = interestonly_periods/periods_per_year*capitalization_freq; 
+    
+
+// The number of "normal" periodical payments that include installment:
+
+
+    var installment_periods = calculation_periods - installment_grace_periods;  
+
+
+
+/* 
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+///////////////////////////////////  2) COMPUTATION OF ALL PERIOD PAYMENTS AND THE REMAINDER    ////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+IN THIS SECTION:
+
+In this section, we compute the periodic payments. In a serial loan all payments are different. If the amounts were not rounded, we could have 
+used the formula for serial loans. But in the real world, we cannot pay amounts with many decimal fractions, only whole currenty units and cents.
+Hence, we must compute on the basis of the rounded sums that are acutally paid. This requires transversing the loan period by period, computing
+all payments separately.
+
+Each payment normally consists of three parts:
+
+o The interest part
+o The installment part
+o The fee part
+
+In a serial loan, the installment is the same for all payments: The principal divided on the number of payment periods.
+
+We store the values in the intermediate array 'per_pay' (for "periodical payment"). Further down, 'per_pay' is used for the computation of 
+effective interest rate.
+
+The content of 'per_pay' for period 'i' is:
+
+pay_per[i][0]   -> The interest amount for the part of the loan for which installments are NOT paid in this period 
+pay_per[i][1]   -> The interest amount for the part of the loan for which installments are paid in this period
+pay_per[i][2]   -> The whole payment for this period, included installment and fees. 
+
+
+Some of the computed data will be stored in sub-res, which is part of result reporting:
+
+
+FOR RESULTREPORTING
+
+When we must compute all payments anyway, we might as well return them in the function result, so that they could be used for instance
+for a graph.
+
+We want to return the whole period payment and specify the installment part and the fee part:
+
+sub_res[i][0]   -> The whole rounded payment for period 'i', included installment and fees. 
+sub_res[i][1]   -> The installment for period 'i'
+sub_res[i][2]   -> The fee for period 'i'
+
+
+
+Example: If the loan has 12 annual payments and runs for 20 years, there will be 240 different rows in 'pay_per'.
+
+
+
+*/          
+
+
+// The part of the payment that makes the principal smaller. In serial loan, the same for all periods:
+
+
+    var installment;    
+    
+
+ // 'installment_periods' = 0 means only interest
+
+        
+    if (installment_periods != 0)  installment = (principal-balloon)/installment_periods;
+    else installment = 0;
+
+
+// Remaining principal after each installment. Before we start subtracting installments, the whole intial principal remains:
+
+
+    var rem_princ = principal;
+
+    
+
+    if (!round_presision || round_presision == 0) pres = 100;   // Divisor indicating the requested presicion when rounding..
+    else if (round_presision == 1) pres = 1;            // ..only two or zero decimal fractions in payments.
+
+
+
+
+
+/* COMPUTING IN ADVANCE NUMBERS THAT ARE USED OFTEN: If the loan is concurrently running with different interes rates in different segments, all 
+installments are still subtracted only from the uppermost, remaining segment. Hence, during the periods it takes to pay down the segment, the 
+interest and fees in the other segments are the same for all periods in the interval.  In order to avoid computing this in each period, we compute 
+the amounts in advance and put them in the array 'segm_int_am': 
+
+The interest amount for the part of the loan for which installments are NOT paid in this period:
+
+*/
+
+
+
+    var segm_size;          // The size of the part of the principal that is in this segment
+
+    var segm_int_am = new Array();  //  "Segment's interest amount"
+
+    for (i = 1;i < num_segm;i++)
+        {
+
+        /* (The array 'price_storage' is a parameter to the function. See definition above).
+        If the upper limit in the segment is smaller than the principal, or emtpy (which means 'unlimted' in FreeLoan): */
+
+        if (price_storage[i][2] <= principal || price_storage[i][2] == "" || i == 1) 
+            {
+
+            /* If different interest rates are applied concurrently in different segments, the interest rate amount is computed
+            with the separate segment rate: */
+
+            if (rate_segments) 
+                {
+
+                // "Unlimited" as the upper limit means the segment size equals the principal minus the segment's lower limit: 
+
+                if (price_storage[i][2] == "") segment = principal-price_storage[i][1];
+
+                // Otherwise, the upper minus the lower limit:  
+                else segment = price_storage[i][2]-price_storage[i][1];         
+
+                segm_int_am[i] =  segment * price_storage[i][4]/rate_divisor;       // The interest amount of the segment
+
+                // Adderes til tidligere beregnede rentebeløp i høyere segmenter
+                if (i > 1) segm_int_am[i] += segm_int_am[i-1];              
+
+                }
+            else    
+                {
+
+                /* The same interest rate is applied for the whole remaining principal. This rate is the highest relevant segment's. 
+                As the  whole loan is encompassed, we don't need to add up the segments. */
+            
+                if (price_storage[i][2] == "") segm_size = principal;       // "Ulimited' means the principal
+                else segm_size = price_storage[i][2];               // Segment equals the upper segment limit
+            
+                // The segmentrate above, for the part of the loan currently serviced, is applied to the rest of the loan:
+
+                if (i < num_segm) segm_int_am[i] = segm_size * price_storage[eval(1)+eval(i)][4]/rate_divisor;  
+
+                // If there are no more segments, the current interest rate applies:    
+                else segm_int_am[i] = segm_size[i] * price_storage[1][4]/rate_divisor;  
+
+                }
+
+            }
+        }
+
+    var pay_per = new Array(calculation_periods);   // Two dimentional array where we store the periodical payments. See definition above.
+
+    var sub_res = new Array(calculation_periods);   // Two dimentional array for certain parts of the result. See definition above.
+
+    var rem_segm = 0;       // What currently remains of the principal in the segment
+
+    var now_segm = num_segm;    // The start segment 
+
+    var fee_per;            // Periodic fee for the current period
+    
+    var paym_per;           // Payment for the current period
+
+    var int_per;            // Interest payment for the current period
+
+    var inst_per;           // Installment for the current period
+
+    var adj_inst;           // When the payment is rounded, the remainder is deducted from /added to the principal.
+
+    var first;          // The first period of the loan
+
+// If interest should be paid in advance, we start at period zero, otherwise at period one:
+
+    if (advance) first = 0; else first = 1;
+
+// We traverse the whole loan, period by period:
+
+    for (i=first;i<=calculation_periods;i++)
+        {
+
+        // 1. In what segment are we? We started at the top, and change for each principal limit we pass.
+
+
+            if (now_segm > 1 && rem_princ < price_storage[now_segm][1]) now_segm--;
+
+
+        // 2. Remaining principal in the segment (the part that is payed down in payment 'i'):
+
+
+            if (now_segm == 1 || !rate_thresholds) rem_segm = rem_princ;            // Remaining principal in this segment 
+            else rem_segm = rem_princ - price_storage[now_segm-1][2];
+
+
+        // 3. The interest amount for this payment in this segment of the loan:
+
+
+            pay_per[i] = new Array;
+
+            if (!rate_thresholds) 
+                {
+        
+                /* When the interest rate cannot change during the loan, it is determined by the rate when you took up the loan. 
+                We find this rate in 'price_storage[num_segm][4]'. (The array 'price_storage' is a parameter to the function. 
+                See above.). */ 
+
+                termren = price_storage[num_segm][4]/rate_divisor;      
+                pay_per[i][0] = 0;
+
+
+                }
+            else 
+                {
+
+            // WHen the interst rate can change during the loan, it is determined by the number of the segment we're in - 'now_segm':
+
+
+                termren = price_storage[now_segm][4]/rate_divisor;
+
+
+            // 4. The interest amount for the part of the loan for which installments are NOT paid in this period:
+
+    
+                if (now_segm > 1) pay_per[i][0] = segm_int_am[now_segm-1];      
+                else pay_per[i][0] = 0;
+
+        
+                }
+
+
+            pay_per[i][1] = rem_segm * termren; //   The interest amount for the part of the loan for which installments ARE paid in this period
+
+
+        /* The total interest amount for this period. In a loan with interest paid in advance, there is no interest payment in 
+        the very last payment: */
+
+
+            if (advance && i == calculation_periods) int_per = 0; else int_per = pay_per[i][0] + pay_per[i][1];
+
+
+        /* 5. Then we are ready to compute the periodical payment, including the period's installment:
+
+        Firstly, period zero exists only in interest-in-advance loans. The way we have defined it, there is not installment (payoff of 
+        the capital) in period zero: */
+
+
+            if (i==0) inst_per = 0; else inst_per = installment;
+
+
+        // Secondly, if we are not in an interest-only period..         
+
+
+            if (i > installment_grace_periods) paym_per = int_per + inst_per;
+    
+
+        // .. interest-only period:
+
+
+            else paym_per = int_per;    
+                    
+
+        // 6. We add the periodical fee (the segment's fee is used):
+
+
+            fee_per = price_storage[now_segm][3];
+
+
+        /* For certain loans, there is a fee as a percentage of the borrowing limit. Here, we interpret this as a percentage of the intial 
+        principal: */   
+
+
+            fee_per += fee_period_perc * principal;
+
+
+            paym_per += fee_per;
+
+    
+        /* 7. Rounding
+
+
+        The periodic payment is rounded according to the rules given as parameters to the function: 'round_direction' og (via 'pres') 
+        'round_presision':*/
+
+    
+            if (round_direction == 0) pay_per[i][2] = Math.round(paym_per * pres) / pres;   // Normal rounding
+            else
+            if (round_direction == 1) pay_per[i][2] = Math.ceil(paym_per * pres) / pres;    // Rounded up
+            else
+            if (round_direction == 2) pay_per[i][2] = Math.floor(paym_per * pres) / pres;   // Rounded down
+
+
+        /* The remainder of the periodic payment after rounding is added to / subtracted from the principal: */
+
+            adj_inst = pay_per[i][2] - int_per - fee_per; // Adjusted installment after rounding.
+
+
+
+        /* 8. The remaining principal.
+
+        We subtract the installment part of the payment from the remaining principal:*/
+
+
+            rem_princ -= adj_inst;
+
+
+        // For result reporting:
+
+            sub_res[i] = new Array();
+            sub_res[i][0] = pay_per[i][2];      // The whole rounded payment for period 'i', included installment and fees. 
+            sub_res[i][1] = adj_inst;       // The installment for peroid 'i'
+            sub_res[i][2] = fee_per;        // The fee for period 'i'
+            
+    
+        }
+
+
+
+    /* When all periods are paid, the remaining principal contains the compounded rounding errors and an eventual residual/balloon payment.
+    For rounding purposes, We add the last ordinary payment and the ramaining principal, round them and subtract the ordinary payment again to
+    find the remaining principal: */
+
+
+        var remainder;
+
+        if (remainder_handling == 0) remainder = Math.round((rem_princ + paym_per) * pres)/pres - pay_per[calculation_periods][2];
+
+
+    // If reminader_handling != 0 the compounded rounding errors are ignored:
+
+
+        else remainder = Math.round((eval(balloon) + paym_per) * pres)/pres - pay_per[calculation_periods][2];
+
+
+// if (Math.round(sub_res[1][0]) == 26750) alert(remainder+" "+termnumber+" "+calculation_periods);
+/* 
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+///////////////////////////////////  3) COMPUTATION OF EFFECTIVE INTEREST RATE   ///////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+The effective interest rate does not transpire directly through a formula. I must be found through repeated guesses, where you try to move your
+guess closer to the answer for each iteration.
+
+The best algorithm is Newton's method:
+
+Newton's method is well described in Wikipedia: http://en.wikipedia.org/wiki/Newton%27s_method
+
+Where 'PV' is the present value and 'k' a growth/discount factor, Newton's method regards the problem as finding the point where the function 
+graph in the PV/k space crosses the 'k'-line. At the point for our guess, the tangent to the graph points in approximately the right direction, 
+says Newton.
+
+But to find the gradient of the tangent, we must differentiate the function. Because we have rounded payments, we can't use the function for 
+serial loans. Hence, we don't have a function to differentiate. So we do the second best, we use the s e c a n t. 
+
+We select at point close to 'k' as the second point where the secant line intersects the graph. If these two points are very close, the secant will 
+have approximately the same gradient as the tangent.
+
+Testing indicates that the number of iterations are about the same as when applying Newton's method. 
+
+4-5 guesses are normally sufficient to achieve an accuracy of ten decimal fractions.
+
+
+As our first guess for the growth factor 'k', we will use the nominal interest rate in the lowest segment, segment 1. To convert to decimal 
+rate, we divide by 100. We add 1 to obtain a growth factor, and compute the n'th root of this factor, n being the number of capitalisations 
+annually: */
+
+
+
+    var s = Math.pow(eval(price_storage[1][4]/100)+eval(1),1/capitalization_freq)-1;
+    
+
+
+// From the rate 's', we compute our first guess for the discount/growth factor 'k', which is the unknown in the subsequent iterations:
+
+
+    var k; 
+
+    if (s != -1) k = 1 / (eval(1) + eval(s));   // Initiall guess: Nominal rate = effective rate
+    else return -1;                 // Division by zero -> error
+
+
+    var g = k - k/1000000;  // The other point where the secant crosses the graph, 'g', that is one millionth smaller than 'k' 
+
+    var NV_round;       // The present value of the periodic payments, discounted with the best guess 'k'
+    var NV_round_alt;   // The present value of the periodic payments, discounted with the marginally smaller 'g'
+
+    var NV_rem;     // The present value of the remainder, discounted with the best guess 'k'
+    var NV_rem_alt;     // The present value of the remainder, discounted with the marginally smaller 'g'
+
+    var y;          //  'y' is the present value of all payments minus the initial principal
+    var z;          // Function value close to 'y', constitutes one of the coordinates for the alternative point
+
+    var grad;       // The gradient for the secant throught the two points y/k og z/g.
+
+    var inc;        // The increase (increment) we give 'k' in order to get closer to result
+                
+    var rounds = 0;     // Counts the iterations
+
+    /* For each iteration, we compare the present value of all our expenses with the value of what we receive. By running more
+    iterations, we can get this differenve - y  - as small as we want. But accuract impairs speed, and the administator can
+    choose the accuracy. From this choice, we set the maximal value of 'y' here called 'comp': */
+
+    var comp;
+
+    if (accuracy == 0) comp = Math.round(principal/5000);       
+    else        
+    if (accuracy == 1) comp = principal/50000000;
+
+    else comp = principal/50000000000000;
+
+    y = comp+1;     // In order for the iterations to start, 'y' must have a value greater than 'comp'
+
+
+    while (Math.abs(y)>comp && rounds < 100)    // 4-5 iterations are normally enough - we limit it at 100.
+        {
+
+        // Present values are computed again in each iteration:
+
+
+            NV_round = 0;       
+            NV_round_alt = 0;   
+            NV_rem = 0; 
+            NV_rem_alt = 0;     
+
+
+        // We traverse the array with all the periodic payments and compute the present value:
+
+
+            for (i=first;i<=calculation_periods;i++)
+                {
+
+                        
+                // The present value of the rounded periodic payment with discount factor 'k', our principal guess:
+
+
+                    NV_round += pay_per[i][2] * Math.pow(k,i);      
+            
+            
+                // The present value of the rounded periodic payment with alternative discount factor 'g':
+
+
+                    NV_round_alt += pay_per[i][2] * Math.pow(g,i);  
+                    
+        
+                }
+
+        
+// CORRECTED IN VERSION 1.1.: Corrected bug. Wrong exponent ('temnumber') was used in version 1.0.
+            
+        // Computing the present value of the remainder:
+
+
+            NV_rem = remainder * Math.pow(k , calculation_periods);
+
+            
+        // Computing the present value of the remainder with alternative discount factor:
+                
+
+            NV_rem_alt = remainder * Math.pow(g , calculation_periods);
+                        
+// END - CORRECTED IN VERSION 1.1.
+
+
+
+        /* We try to make 'y' - the differenve between the present value of all payments minus the initial principal as close to zero as
+        possible: */
+
+
+            y = eval( NV_round) + eval(NV_rem)   - received;
+            
+
+        // A value close to 'y', being one of the coordinates for the second slice point of the secant:
+
+
+            z = eval( NV_round_alt) + eval(NV_rem_alt)   - received ;   
+    
+            grad = (z-y)/(g-k);     // The gradient for a line (the secant) running through the two function points 
+
+            inc = -y/grad;          // Increment based on the secant's gradient
+
+            k += inc;           // We increase 'k' by the increment, hoping to make 'y' closer to zero
+
+            g = k - k/100000000000;     // We also update the value of 'g', used to make the other intersection point 
+        
+            rounds++;
+
+        }
+
+
+/* 
+
+
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+///////////////////////////////////  4) RESULT REPORTING      //////////////////////////////////////////////////////////////////////////////
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+
+e = effective periodical interest rate
+er = effective annual interest rate
+
+k = 1/ 1 + e
+k (1+e) = 1
+1/k = 1 + e
+e = 1/k - 1
+
+er = (((1/k)^capitalization_freqr)-1)*100
+
+In javascript notation:
+
+er = (Math.pow(1/k,capitalization_freq)-1)*100;
+
+The principal function result is the effective annural interest rate. But as a bi-produkt, several other enteties are computed too. THey could
+come handy in a result presentation.
+
+They are returned in the array 'res', that has these values:
+
+res[0] -> effective annual interest rate
+res[1] -> remainder
+res[2] -> array with one 'j' for every single payment during the whole loan period:
+
+    res[2][i][0]  -> The whole rounded payment for period 'i', included installment and fees. 
+    res[2][i][1]  -> The installment for peroid 'i'
+    res[2][i][2]  -> The fee for period 'i'
+
+res[3] -> The number of periods when 'period mode' was chosen.
+*/  
+
+
+    var er = (Math.pow(1/k,capitalization_freq)-1)*100; // Effective annual interest rate in percent
+
+    var res = new Array(4);
+
+    res[0] = er;    
+
+    res[1] = remainder+" / "+rounds;
+
+    res[2] = sub_res; //  The whole array 'sub_res' containing the values described aboce
+
+    res[3] = termnumber;
+
+
+    return res;
+
+
+/* END function serialLoan() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        (END EFFECTIVE INTEREST RATE SERIAL LOAN)                   <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+
+
+
+
+
+
+
+/*¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+<<<<<<< ++++|++++ >>>>>>        (END FREELOAN)                                  <<<<<<< ++++|++++ >>>>>>
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤
+¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤¤*/
+
+
+
+
+
+
+
+
+
+
+
+/////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////
+/// BELOW IS THE TEST MODULE FOR FREELOAN (NOT A PART OF FREELOAN ITSELF)
+/////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////
+
+
+
+
+
+
+
+
+
+ 
+
+function indata_clean(streng,us_numberformat)
+{
+/* 
+o Converts from  Norwegian/French number format to US/UK number format
+o Removes blanks
+*/
+var innstreng = new String(streng);
+var renset;
+if (us_numberformat == false)
+    {
+ 
+    /* '\xn' treffer den hexadesimale karakteren 'n'. Norsk punktum har koden '2E'. '\x2E' treffer derfor norsk punktum. 
+    Flagget 'g' betyr 'søk i hele strengen'. Skal det settes flagg, må søkestrengen innledes og avsluttes med '/'.
+    Rekkefølgen i utbyttingen er ikke tilfeldig */
+ 
+    renset = innstreng.replace(/\x2E/g, "");    // Replaces period/norwegian thousand delimiter (.) with nothing
+    renset = renset.replace(",", ".");      // Replaces Norwegiang comma (,) with angloamerican (.)
+ 
+    }
+else renset = innstreng;
+renset = renset.replace(/\s/g,"");          // '\s' matches blanks, line shift etc. 'replace(/\s/g,"")' replaced with nothing
+return renset;
+/* END function indata_clean() */}
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+function outdata_clean(streng,us_numberformat)
+{
+// Performs the opposite operations of 'indata_clean()'
+var utstreng = new String(streng);
+if (us_numberformat == false) return utstreng.replace(/\x2E/g, ",");    // Replaces us/uk commas with norw./french
+else return utstreng;
+return renset;
+/* END function utdata_rens() */}
+
+
+
+
+
+
+function thousandDiv(tall,us_numberformat)
+{
+// Divides long numbers in groups of three and plave the appropriate delimiter between the groups.
+if (us_numberformat) tusenskille =",";else tusenskille = ".";
+if (isNaN(tall) == false)
+    {
+    var tall = new String(tall);
+    var lengde = tall.length;
+    var nytall = "";
+    while (lengde > 3)
+        {
+ 
+        nytall = tusenskille+tall.substring(lengde-3,lengde)+nytall;
+        lengde = lengde-3;
+ 
+        }
+    if (lengde>0) nytall = tall.substring(0,lengde)+nytall;
+    return nytall;
+    }
+else return tall;
+/* END function thousandDiv() */}
+
+
+
+
+ 
+////////////////// FUNCTIONS FOR QUICK-SORT: /////////////////////////////////
+
+
+/* Denne elegante utgaven av Quick Sort bygger i det vesentlige på en algoritme kopiert
+fra 
+
+http://en.literateprograms.org/Quicksort_(JavaScript)?action=history&offset=20070102180347
+
+Jeg har føyd til et par paranteser for at den skal kunne sortere matriser.
+
+Fra 'literateprograms' er også denne lisensen:
+
+Copyright (c) 2010 the authors listed at the following URL, and/or
+the authors of referenced articles or incorporated external code:
+http://en.literateprograms.org/Quicksort_(JavaScript)?action=history&offset=20070102180347
+ 
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+he following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
+IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY
+CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT,
+TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE
+SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
+
+*/
+
+
+
+
+function partition(array, begin, end, pivot, kolonne)
+{
+    var piv=array[pivot][kolonne];  // Her er VERDIEN som skal sammenliknes
+    array.swap(pivot, end-1);   // Her byttes verdiene på de to arrayplassene
+    var store=begin;        // 'store' lagrer her indeksen for hvor denne delen av arrayet starter
+    var ix;
+    for(ix=begin; ix<end-1; ++ix) 
+        {
+        if(array[ix][kolonne]<=piv) 
+            {       // Om veriden ved index 'ix' er mindre eller lik verdien ved index 'piv'
+            array.swap(store, ix);
+            ++store;
+            }
+        }
+
+    array.swap(end-1, store);
+
+    return store;
+
+/* END function partition() */}
+
+
+
+
+
+
+Array.prototype.swap=function(a, b)
+{
+    var tmp=this[a];
+    this[a]=this[b];
+    this[b]=tmp;
+/* 'prototype.swap'*/}
+
+
+
+
+
+
+function qsort(array, begin, end, kolonne)
+{
+    if(end-1>begin) {
+        var pivot=begin+Math.floor(Math.random()*(end-begin));
+
+        pivot=partition(array, begin, end, pivot, kolonne);
+
+        qsort(array, begin, pivot, kolonne);
+        qsort(array, pivot+1, end, kolonne);
+    }
+/* END function qsort() */}
+
+
+
+
+function quick_sort(array, kolonne)
+{
+// 'kolonne' er den kolonnen matrisen skal sorteres etter.
+
+qsort(array, 1, array.length, kolonne); // Den første raden - rad null - er overskrifter og skal ikke inngå i sorteringen
+
+return array;
+
+/* END function quick_sort() */}
+
+
+
+
+
+
+////////////////// END - FUNCTIONS FOR QUICK-SORT //////////////////////////
+
+
+
+
+
+function polediagram(data,normalize)
+{
+// From http://html5laboratory.com/creating-a-bar-chart-with-canvas.php
+
+graph(data);
+
+        function graph(data) {                          
+            var graphCanvas = document.getElementById('graphSpace');
+            // Ensure that the element is available within the DOM
+            if (graphCanvas && graphCanvas.getContext) {
+                // Open a 2D context within the canvas
+                var context = graphCanvas.getContext('2d');
+                context.clearRect(0,0,context.canvas.width,context.canvas.height);
+
+                // Bar chart data
+                /* var data = new Array(5);
+                data[0] = "Rome,200";
+                data[1] = "Dublin,120";
+                data[2] = "London,80";
+                data[3] = "Berlin,230";
+                data[4] = "Valetta,345";*/
+                
+                // Draw the bar chart
+                drawBarChart(context, data, 50, 100, (graphCanvas.height - 20), 50);
+            }
+        }
+        
+        // drawBarChart - draws a bar chart with the specified data
+        function drawBarChart(context, data, startX, barWidth, chartHeight, markDataIncrementsIn) {
+            // Draw the x and y axes
+            context.lineWidth = "1.0";
+            // var startY = 380;
+            var startY = 480;
+            drawLine(context, startX, startY, startX, 30); 
+            drawLine(context, startX, startY, 570, startY);         
+            context.lineWidth = "0.0";
+            var maxValue = 0;
+            for (var i=0; i<data.length; i++) {
+                // Extract the data
+                var values = data[i].split(",");
+                var name = values[0];
+                var height = parseInt(values[1]/normalize);
+                if (parseInt(height) > parseInt(maxValue)) maxValue = height;
+                // Write data to chart
+                context.fillStyle = "#b90000";
+                drawRectangle(context, startX + (i * barWidth) + i, (chartHeight - height), barWidth, height, true);
+                // Add the column title to the x-axis
+                context.textAlign = "left";
+                context.fillStyle = "#000";
+                context.fillText(name, startX + (i * barWidth) + i, chartHeight + 10, 200);             
+            }
+            // Add some data markers to the y-axis
+            var numMarkers = Math.ceil(maxValue  / markDataIncrementsIn);
+            context.textAlign = "right";
+            context.fillStyle = "#000";
+
+            normalizedIncrement = markDataIncrementsIn*normalize;
+            normalizedValue = 0;
+
+            var markerValue = 0;
+            for (var i=0; i<numMarkers; i++) {      
+                context.fillText(normalizedValue, (startX - 5), (chartHeight - markerValue), 50);
+                markerValue += markDataIncrementsIn;
+                
+                normalizedValue += normalizedIncrement;
+                
+            }
+        }       
+        
+        // drawLine - draws a line on a canvas context from the start point to the end point 
+        function drawLine(contextO, startx, starty, endx, endy) {
+            contextO.beginPath();
+            contextO.moveTo(startx, starty);
+            contextO.lineTo(endx, endy);
+            contextO.closePath();
+            contextO.stroke();
+        }
+        
+        // drawRectanle - draws a rectangle on a canvas context using the dimensions specified
+        function drawRectangle(contextO, x, y, w, h, fill) {            
+            contextO.beginPath();
+            contextO.rect(x, y, w, h);
+            contextO.closePath();
+            contextO.stroke();
+            if (fill) contextO.fill();
+        }   
+
+/* END function polediagram() */}
+
+
+
+
+
+
+
+
+
+
+
+function graph(nr)
+{
+/* Makes a graph with data from product number 'nr' */
+
+var res = testbench(nr);
+
+/* We shall draw using the function 'polediagram()' that requires a text array as parameter. Every element is a text where
+the label and the column hight is divided by a delimiter: "Termin 0-34, 5252" 
+
+In 'res' we now have an array like this:
+
+res[0] -> effective annual interest rate
+res[1] -> remainder
+res[2][j] -> array with one 'j' for each segment that is used:
+    res[2][j] = new Array();
+    res[2][j][0] = interval_data[i][0];     // x'th interval's periodic payment, rounded without fee
+    res[2][j][1] = interval_data[i][1];     // The number of periods the x'th interval consists of
+    res[2][j][2] = interval_data[i][2]; // The periodic fee in the x'th interval
+    res[2][j][3] = interval_data[i][3]; // Remaining pricipal at the end of the x'th interval (adjusted lower segment limit)
+    res[2][j][4] = interval_data[i][4]; // Principal at the start of the x'th interval (upper segment lomit)
+
+*/
+
+var kr,i;
+i = res[2].length-2; // Element zero is requires in 'polediagram()'
+enhet = 1;
+var data = new Array(i);
+for (j=1;j<res[2].length;j++) 
+    {
+    kr = res[2][j][0]+res[2][j][2];
+    /* The column height is maximum 500. Hence, we "normalize" the amount, so that the highest column will be approximately 500: */
+    unit = Math.round(kr/5000)*10;
+    if (Math.round(kr/4000)*10 > unit) unit= Math.round(kr/4000)*10;
+    data[i] = res[2][j][1]+" x "+thousandDiv(Math.round(kr),false)+","+Math.round(kr);
+    i--;
+    }
+document.getElementById("graph_heading").innerHTML = boliglansmatrise[nr][1];
+polediagram(data,unit);
+
+/* END function 'graph()*/}
+
+
+
+
+
+
+
+
+
+
+function emptytozero(parameter)
+{
+/*In the matrix 'boliglansmatrise' data might be ruined or misrepresented. In that case, we use nil. */
+
+if (!isNaN(parameter)) return parameter;
+else if (typeof parameter === 'undefined' || typeof nr == 'undefined' || !parameter || parameter =="" || parameter ==" ") return 0;
+
+/*END function emptytozero()*/}
+
+
+
+
+
+
+
+function errortext(feilnr)
+
+// NEW IN VERSION 1.1: (Added "Error code" in returned text. Added error #-8)
+{if (feilnr == -1) return "Error code -1: Request for longer interest-only period than the bank offers";
+else if (feilnr == -2) return "Error code -2: First loan segment not defined";
+else if (feilnr == -3) return "Error code -3: balloon smaller than smallest loan offered";
+else if (feilnr == -4) return "Error code -4: balloon bigger than biggest loan offered"
+else if (feilnr == -5) return "Error code -5: No segment found (normally because the requested loan amount is too small or too big)";
+else if (feilnr == -6) return "Error code -6: Failing convergence at zero periods or -100% nominal interest rate";
+else if (feilnr == -7) return "Error code -7: Freeloan does not support the combination of separate, concurrent interest rate segments and annuities in advance.";
+else if (feilnr == -8) return "Error code -8: The chosen periodic payment is too small to cover the interest on the loan.";
+else if (feilnr == -9) return "Error code -9: The combination of separate, concurrent interest rate segments and user chosen periodic payment is not supported.";
+// END - NEW IN VERSION 1.1.
+
+/* END function errortext() */} 
+
+
+
+
+
+
+
+
+function testbench(nr)
+{
+/* Testng the functions 'serialloan_effrat(e)' and 'annuityloan_effrate()' for all house loans in Finansportalen as they appear
+in the external javascript array at 'http://jiffymade.com/dev/fp/boliglandata.js'
+
+
+*/
+
+// START TIMER:
+
+var dd = new Date();
+var ms1 = dd.getTime(); 
+
+// FOR TESTING:
+
+var refusebank = ""; 
+
+// FOR COMPUTATION:
+
+var i,fee_processing,fee_document,fee_percentage;
+var trinn1_minbel,trinn1_maksbel,trinn1_termgeb,trinn1_nom_rente,terminsvar;
+    
+var remainder_handling,round_presision,round_direction,ignore_origination,received,numberofperiods,periods_per_year,interestonly_periods;
+var residual,serialloan,annuity_due,rate_thresholds,rate_segments,textout,outtext,refuse,errorvalue,capitalization_freq,interestonly_periods_max;
+var fee_processing, fee_document, fee_percentage, fee_period_perc, resu;
+
+
+textout = new Array();
+outtext = "";
+refuse = 0;
+errorvalue = "";
+
+// DATA FROM USER:
+
+received = indata_clean(document.getElementById("a").value, false);             // The net amount actually received by the borrower
+
+// NEW IN VERSION 1.1:
+firstpayment = indata_clean(document.getElementById("fp").value, false);        // First payment - this OR 'numberofperiods' must have a value, not both.
+// END - NEW IN VERSION 1.1.
+
+numberofperiods = indata_clean(document.getElementById("b").value, false);      // Number of payment periods - this OR 'firstpayment' must have a value, not both.
+periods_per_year = document.getElementById("pa").value;     // How many peyment periods per year? indata_clean(streng,us_numberformat)
+interestonly_periods = document.getElementById("af").value; // Number of initial periods when only interest is paid
+residual = document.getElementById("sb").value;         // Part of the loan paid back in the last period
+serialloan = document.getElementById("sl").selectedIndex;   // 0: Annuity loan 1: Serial loan
+
+// In this test module, we decide the rounding rules. But normally, these must be decided in by the banks:
+
+round_direction = document.getElementById("avre").selectedIndex;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down
+round_presision =  document.getElementById("avpr").selectedIndex;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit
+remainder_handling =  document.getElementById("avpl").selectedIndex;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored
+ignore_origination =  document.getElementById("etab").selectedIndex;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees
+annuity_due = document.getElementById("f").selectedIndex;           // 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)
+            
+
+rate_thresholds = document.getElementById("tr_ski").selectedIndex;      // 0: Rate never changes 1: Rate changes at certain thresholds.     
+rate_segments = document.getElementById("tr_sep").selectedIndex;        // 0: Different rates cannot run concurrently in different segments 1: They can
+
+var accuracy = document.getElementById("acc").selectedIndex;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate
+
+
+// PLAYING WITH 'CANVAS' IN HTML5:
+
+var start,stop,graph,first;
+
+// If the parameter 'nr' is missing, all loans shall be computed:
+
+if (!nr || typeof nr === "undefined") 
+    {
+
+    start = 1;
+    var stop = boliglansmatrise.length;
+    graph = false;
+    }
+
+else
+// If the parameter 'nr' is an integer, only this loan shall be computed:
+    {
+
+    start = nr;
+    stop = eval(nr) + eval(1);
+    graph = true;
+
+    }
+
+var tell = 1; // Not all products make it to the result list. Hence, the list has its own counter.
+
+/* When interest is paid in advance, the first payment is in period zero. (This applies only to serial loans, where we have
+computed every single payment of the loan */
+
+if (!serialloan && annuity_due && rate_segments)
+    {
+    alert("The combination of separate, concurrent interest rates, annuity loan and annuity-due is not supported.");
+    return "";
+
+    }
+
+
+if (annuity_due) first = 0;else first = 1;
+resultAsJSON = "[";
+for (i=start;i<stop;i++)
+    {
+
+    // DATA FROM THE LOAN DATA BASE 'boliglandata.js':
+    
+    capitalization_freq = 12 / emptytozero(boliglansmatrise[i][6]);     // The number of capitalizations every year
+    interestonly_periods_max = emptytozero(boliglansmatrise[i][7])*12;  // The price list in Finansportalen uses whole years. FreeLoan period lengths at your choice.
+    fee_processing = emptytozero(boliglansmatrise[i][8]);           // Processing fee - fixed
+    fee_document = emptytozero(boliglansmatrise[i][9]/100*100);     // Document fee - fixed
+    fee_percentage = emptytozero(0);                    // Origination fee as a percentage of the initial principal
+    fee_period_perc = emptytozero(boliglansmatrise[i][11]);         // A periodic fee as a percentage of the inintial principal (the size of the loan facility)
+    resu = new Array();                         // The external funcions return the resultS as an array 
+
+
+
+    /* The interest rate functions handle a rate ladder with as many steps/segments we wish. Every step has four elements: The minimum 
+    threshold for the step (lower limit), the maximum threshold, the periodical fee and the nominal interest rate in the segment.
+
+    In this test version, we use the current format of Finansportalen.no, that only allows a maximum of five interest rate segments.
+
+    We read these step data from the array 'boliglansmatrise', in the external file 'boliglandata.js', where we find them from element 11, 
+    and put them into the array 'price_storage':*/
+
+    resu[i] = new Array();  
+    var price_storage = new Array();    
+    for (j=1;j<=5;j++)  // Finansportalen currently has maksimum five steps, althoug freeLoan allows an unlimited number
+        {   
+        if (boliglansmatrise[i][eval(7)+(j*4)+eval(4)] !="")    // If there is an interest rate for the segment
+            {
+
+            price_storage[j] = new Array(4);
+            price_storage[j][1] = boliglansmatrise[i][eval(7)+(j*4)+eval(1)];   // Minimum limit for the segment
+            price_storage[j][2] = boliglansmatrise[i][eval(7)+(j*4)+eval(2)];   // Maximum limit for the segment
+
+
+            if (price_storage[j][2] == "Ubegrenset") price_storage[j][2] = "Unlimited";// Freeloan speaks English:(
+
+
+            price_storage[j][3] = boliglansmatrise[i][eval(7)+(j*4)+eval(3)];   // Periodic fee in the segment
+
+            if (price_storage[j][3] == "") price_storage[j][3] = 0;         // .. it must be a number..
+
+            price_storage[j][4] = boliglansmatrise[i][eval(7)+(j*4)+eval(4)];   // Nominal interest rate in the segment
+
+            /* DIRTY TRICK: ADJUSTMENT OF ADJACENT INTERVALS: In Finansportalen, the tradition dictates that interest rate
+            segments are reported with a gap between them. Segment one might be the interval 0 - 999.999 and the next
+            1.000.000 - 1.999.999. The gap will produce a small error when computing the interest rate. Hence, we "correct"
+            the upper limt to the lower loimt in the next segment: */
+
+            if (j>1 && (price_storage[j-1][2] || price_storage[j][1])) price_storage[j-1][2] = price_storage[j][1];
+
+
+            }       
+        }
+
+
+    if (!ignore_origination) principal = eval(received)+eval(fee_processing)+eval(fee_document)+eval(fee_percentage * (eval(received)+eval(fee_processing)+eval(fee_document)));
+    else principal = received;
+
+
+    if (price_storage[1][1] <= principal)   // I the loan the user requests is not smaller than the lower limit for this loan
+        {   
+        
+        /* Even if the lowest allowed loan is for instance 500.000, the loan will still normally be paid down to a lower amount
+        during the payment period. The minimum limt only applies to a new loan. But what interest rate applies then?
+
+        We presuppose that this is the same as the rate for the lowest segment. Consequently, for computation purposes, we
+        adjust the lowest limit to zero: */
+
+        if (price_storage[1][1] > 0) price_storage[1][1] = 0;
+
+        // HERE, THE FREELOAN FUNCTION IS CALLED:
+
+        // NEW IN VERSION 1.1: (parameter 'firstpayment' added)
+        resu = freeLoan(received,firstpayment,numberofperiods,periods_per_year,serialloan,residual,interestonly_periods,round_direction,round_presision,remainder_handling,ignore_origination,annuity_due,capitalization_freq,interestonly_periods_max,fee_processing,fee_document,fee_percentage,fee_period_perc,rate_thresholds,rate_segments,price_storage,accuracy) 
+        // END - NEW IN VERSION 1.1.
+        
+        // If this is only the computation of a single loan, we don't proceed to make a list:
+        if (graph) return resu;
+
+        /*
+        Both 'serialloan_effrate()' and 'annuityloan_effrate()' return an array as the function result.
+
+        ANNUITIES: The content of the result array 'resu' when returned from 'annuityloan_effrate()':
+
+        resu[0] -> effective annual interest rate
+        resu[1] -> remainder
+        resu[2][j] -> array with one 'j' for each segment that is used:
+
+        
+            res[2][j] = new Array();
+            res[2][j][0] = interval_data[i][0];     // x'th interval's periodic payment, rounded without fee
+            res[2][j][1] = interval_data[i][1];     // The number of periods the x'th interval consists of
+            res[2][j][2] = interval_data[i][2]; // The periodic fee in the x'th interval
+            res[2][j][3] = interval_data[i][3]; // Remaining pricipal at the end of the x'th interval (adjusted lower segment limit)
+            res[2][j][4] = interval_data[i][4]; // Principal at the start of the x'th interval (upper segment lomit)
+
+
+
+        // NEW IN VERSION 1.1:
+        resu[3] -> The number of periods, when this, rather than the annuity, is computed
+        // END - NEW IN VERSION 1.1.
+
+        SERIAL: The definition of 'resu' as returned from 'serialloan_effrate()':
+
+        resu[0] -> effective annual interest rate
+        resu[1] -> remainder
+        resu[2] -> array with one 'j' for every single payment during the whole loan period:
+
+
+            resu[2][i][0]   -> The interest amount for the part of the capital that is NOT payed off in the period 
+            resu[2][i][1]   -> The interest amount for the part of the capital that IS payed off in the period
+            resu[2][i][2]   -> The whole periodic payment, installment ant periodical fee included 
+            resu[2][i][3]   -> The remainder for this payment
+
+        resu[3] -> Installment (the same amount in every payment during the whole installment period).
+    
+        */
+
+        
+        if (Array.isArray(resu))    // Error values are returned as a simple string, genuine results as arrays
+            {
+
+            textout[tell] = new Array();            // THere will be a list
+            textout[tell][0] = boliglansmatrise[i][1];  // Bank name
+            textout[tell][1] = "<a href="+boliglansmatrise[i][0]+" title='Click for details'>"+boliglansmatrise[i][3]+"</a>"; // Url to Finansportalen details
+
+            if (capitalization_freq !=12)
+                {
+                if (capitalization_freq == 4) textout[tell][1] += " (quarterly capitalization)";
+                else if (capitalization_freq == 2) textout[tell][1] += " (half-yearly capitalization)";
+                else if (capitalization_freq == 1) textout[tell][1] += " (annualy capitalization)";
+                else if (capitalization_freq == 3) textout[tell][1] += " (4-monthly capitalization)";
+
+                }
+
+            /* DEVIATING CAPITALIZATION: Here, we presuppose full payment at the capitalization periods. Otherwise, there might be too few periodical fees.
+            
+            When reporting the first payment, it will be in posistion zero for a serial loan with interest paid in advance. For annuity loans, we have
+            computed eventual segments "backwords" so the first payment is in the last array element used - element 'resu[2].length-1'.
+
+            */
+
+            // NEW IN VERSION 1.1: 
+            if (firstpayment > 0) textout[tell][2] = resu[3]; // The number of periods, rather then the first payment, were computed.
+            else
+            // END - NEW IN VERSION 1.1.
+
+            if (serialloan) textout[tell][2] = thousandDiv(outdata_clean(resu[2][first][0],false));     // First payment serial loan
+            else                                                // First payment annuity loan
+                {
+
+                //The annuity for the first term is in the last array row used. But under certain conditions, it could be emtpy. 
+ 
+                bb = resu[2].length-1;  // First payment annuity loan is normally always in 'resu[2][1]'
+
+                while (!(bb in resu[2]) || isNaN(resu[2][bb][0]) && bb>1) bb--;                 
+
+                textout[tell][2] = thousandDiv(outdata_clean((resu[2][bb][0]+resu[2][bb][2]),false));               
+
+
+                }
+
+
+
+            textout[tell][3] = resu[0];     // Effekctive annual interest rate (THE MAIN RESULT OF FREELOAN)
+            textout[tell][4] = i;       // Reference to row number in the array 'boliglansmatrise'      
+            textout[tell][5] = resu[1];     // The "global remainder": Ballon plus rounding "error"
+
+        
+            tell++;
+
+            }
+        else 
+            {
+            errorvalue += "<br>"+errortext(resu);
+
+            // NEW IN VERSION 1.1: (Improvement unrelated to periodic payment)
+            errorvalue += " (Product: "+boliglansmatrise[i][1]+" "+boliglansmatrise[i][3]+")";
+            // END - NEW IN VERSION 1.1.
+
+            if (resu == -1) errorvalue += " Max. offered interste-only periods: "+interestonly_periods_max+ " Requested interest-only periods: "+interestonly_periods+")";
+            else if (resu == -3) errorvalue += " Requested residual: "+residual+". Maximal loan: "+price_storage[price_storage.length-1][2]+")";
+            else if (resu == -5) errorvalue += " Requested loan "+received+". Maximal loan: "+price_storage[price_storage.length-1][2]+")";
+            }
+        
+        }
+        else 
+        {
+        refuse++;
+        if(refuse == 17) {
+            // just for breakpoint because of invalid input data
+            sdfs =1;
+        }
+        refusebank+="Bank "+refuse+" "+boliglansmatrise[i][1]+" "+boliglansmatrise[i][3]+"<br>";
+        }
+    }
+
+
+resultAsJSON = resultAsJSON.slice(0,-2);
+resultAsJSON += "]";
+console.log(resultAsJSON);
+
+// STOP TIMER:
+
+var dd = new Date();
+var ms2 = dd.getTime(); 
+var timetext,reporttext;
+
+timetext = "(Time used to traverse the "+boliglansmatrise.length+" loans in the list was "+(ms2-ms1)+" milliseconds)<br>";
+
+reporttext = "A total of "+boliglansmatrise.length+" products were detected, of which "+tell+" are in the main list above. "+refuse+" did not offer the loan sum and the following gave errors: "+errorvalue;
+
+// NEW IN VERSION 1.1: 
+if (firstpayment > 0) textout[0] = new Array("<b>Provider</b>","<b>Product name</b>","<b>Periods</b>","<b>Effective interest rate</b>");
+else textout[0] = new Array("<b>Provider</b>","<b>Product name</b>","<b>First payment</b>","<b>Effective interest rate</b>");
+// END - NEW IN VERSION 1.1.
+
+textout = quick_sort(textout, 3);
+
+outtext = "<table>";
+
+
+
+outtext += "<tr><td>"+textout[0][0]+"</td><td>"+textout[0][1]+"</td><td align=right>"+textout[0][2]+"</td><td>"+textout[0][3]+"</td><td><b>Click for graph</b></td><td><b>Residual / Iterations</b></td></tr>";
+
+for (i=1;i<textout.length;i++) outtext += "<tr><td>"+textout[i][0]+"</td><td>"+textout[i][1]+"</td><td align=right>"+textout[i][2]+"</td><td>"+outdata_clean(Math.round(textout[i][3]*100000000000000000)/100000000000000000, false)+"</td><td><a href=javascript:void(0) onClick=graph("+textout[i][4]+")>Graph</a></td><td>"+textout[i][5]+"</td></tr>";
+
+outtext += "</table>";
+
+document.getElementById('allediv').innerHTML = timetext+"<br>"+outtext+"<br>"+reporttext;
+
+
+/* END function testbench() */}
+
+
+
+
+
+function getSerialResultJSON(result) {
+    var JSONresult = {
+            effectiveInterestRate: result[0],
+            resitude: result[1],
+            paybackPeriodCount: result[3],
+            periods: []
+    };
+    
+    for(var i = 1; i < result[2].length; i++) {
+        JSONresult.periods[i] = {
+                serPayment: result[2][i][0],
+                serInstallment: result[2][i][1],
+                serFee: result[2][i][2]
+        }
+    }
+    
+    return JSON.stringify(JSONresult) + ",\n";
+}
+
+function getErrorResultJSON(num) {
+    return JSON.stringify({error: num}) + ",\n";
+}
+
+
+
+function getAnnuityResultJSON(result) {
+    var JSONresult;
+    
+    
+    if(!isNaN(result)) {
+        JSONresult = {
+                error: result
+        };
+    } else {
+        JSONresult = {
+                error: 0,
+                effectiveInterestRate: result[0],
+                resitude: result[1],
+                paybackPeriodCount: result[3],
+                periods: []
+        };
+        
+        
+        for(var i = 1; i < result[2].length; i++) {
+            if(result[2][i] == undefined) {
+                JSONresult.periods[i] = null;
+            } else if (result[2][i][0] != undefined) {
+                JSONresult.periods[i] = {
+                        annPayment: result[2][i][0],
+                        annNumberOfTerms: result[2][i][1],
+                        annPeriodicFee: result[2][i][2],
+                        annLowerSegmentLimit: result[2][i][3],
+                        annUpperSegmentLimit: result[2][i][4],
+                        annRemainder: result[2][i][5]
+                }
+            } else {
+                JSONresult.periods[i] = {
+                        annPayment: 0,
+                        annNumberOfTerms: 0,
+                        annPeriodicFee: 0,
+                        annLowerSegmentLimit: 0,
+                        annUpperSegmentLimit: 0,
+                        annRemainder: 0
+                }
+            }
+        }
+    }
+    
+    return JSON.stringify(JSONresult) + ",\n";
+    
+}
+
+
+
+
+function dis(active, passive)
+{
+if (active.value != "") document.getElementById(passive).value = "";
+/*END dis()*/}
+
+
+
+
+
+
+
+
+ -->
+</script>
+<style>
+body {font-family: arial; font-size: 9pt}
+table {font-size: 9pt}
+h2 {font-size: 16pt}
+input[type="button"] {width: 350px}
+input[type="text"] {width: 220pt; text-align:right}
+.gul {background: #ffff99}
+.ros  {background: #99ffff}
+#graphSpace { margin-left:80px; }
+</style>
+</head>
+<body>
+<h2>FreeLoan test module</h2>
+Yellow fields for the user, the other fields for the bank.<br>
+<a href="http://jiffymade.com/dev/fp/lag_boliglan_data.php">Refresh house loan data</a> (takes a few seconds).&nbsp;<a href="http://www.jiffymade.com/dev/fp/freeLoan_short.docx">Short documentation</a>&nbsp;&nbsp;<a href="http://www.jiffymade.com/dev/fp/freeLoan_long.docx">Long documentation</a><br><br>
+
+<br>
+<table>
+<tbody><tr class="gul"><td>Loan amount </td><td><input id="a" value="1500000" type="text"></td></tr>
+<tr class="gul" title="0/blank/false OR positive integer"><td>Residue / balloon</td><td><input id="sb" value="0" type="text"></td></tr>
+<tr class="gul"><td>Number of periods </td><td><input id="b" value="240" onchange="dis(this,'fp')" type="text"></td></tr>
+<tr class="gul"><td>OR first payment </td><td><input id="fp" onchange="dis(this,'b')" type="text"></td></tr>
+<tr class="gul"><td>Payments per year </td><td><input id="pa" value="12" type="text"></td></tr>
+<tr class="gul" title="0/blank/false = No interest-free period, Integer = Number of initial (leading) interest-only periods"><td>Interest-only periods </td><td><input id="af" value="0" type="text" width="350"></td></tr>
+<tr class="gul"><td>Serial loan</td><td><select id="sl" style="{width: 220pt;}"><option selected="selected" value="0">Annuity loan</option><option value="1">Serial loan</option></select></td></tr>
+<tr class="gul"><td>Immediate / due </td><td><select id="f" style="{width: 220pt;}"><option selected="selected" value="0">Payment immediate (at the end of periods)</option><option value="1">Payment due (at the beginning of periods)</option></select></td></tr>
+<tr><td>Rounding direction </td><td><select id="avre" style="{width: 350pt;}"><option selected="selected" value="0">Payments rounded according to normal rounding rules</option><option value="1">Payments are rounded up</option><option value="2">Payments are rounded down</option></select></td></tr>
+<tr><td>Rounding precision </td><td><select id="avpr" style="{width: 350pt;}"><option selected="selected" value="0">Payments rounded to nearest cent</option><option value="1">Payments rounded to nearest currency unit</option></select></td></tr>
+<tr><td>Placement of remainder </td><td><select id="avpl" style="{width: 350pt;}"><option selected="selected" value="0">Payed / renumerated with the last payment</option><option value="1">Ignored</option></select></td></tr>
+<tr><td>Treatment of origination fees </td><td><select id="etab" style="{width: 350pt;}"><option selected="selected" value="0">Fees added to the loan</option><option value="1">Fees ignored</option></select></td></tr>
+<tr><td>Rate can change during the loan period? </td><td><select id="tr_ski" style="{width: 350pt;}"><option selected="selected" value="0">No: One and the same rate throughout the loan period</option><option value="1">Yes: The rate can change at certain principal thresholds</option></select></td></tr>
+<tr><td>Parallell loan segments with separate rates? </td><td><select id="tr_sep" style="{width: 350pt;}"><option selected="selected" value="0">No: Only one interest rate in each period</option><option value="1">Yes, there could be several rates at the same time, one in each segment</option></select></td></tr>
+<tr class="ros"><td>FOR ADMINISTRATOR: Accuracy for serial loans </td><td><select id="acc" title="The serial loan module is slow. When traffic is high, accuracy could be traded for speed" style="{width: 350pt;}"><option value="0">Low: Normally correct to the cent, fast</option><option selected="selected" value="1">Normal: Correct to ten decimal fractions, medium fast</option><option value="2">High: Correct to 15 decimal fractions, could be slow</option></select></td></tr>
+
+</tbody></table>
+<input onclick="onClick=testbench()" value="Compute" type="button">
+<br>
+<!--input type=button value="Vis bare lån med trapperente" onClick=testbench(-1)-->
+<br>
+<div id="allediv">
+</div>
+
+    <article>
+        <h1 id="graph_heading"></h1>        
+        <canvas id="graphSpace" width="800" height="500"></canvas>      
+    </article>
+
+
+</body></html>
\ No newline at end of file
diff --git a/JS scripts/boliglandata.js b/JS scripts/boliglandata.js
new file mode 100644
index 0000000..ed4dcd7
--- /dev/null
+++ b/JS scripts/boliglandata.js	
@@ -0,0 +1,543 @@
+boliglansmatrise = new Array();
+boliglansmatrise[0] = new Array("0: Klikk for flere detaljer","1: Leverand�r: ","2: Produktpakke: ","3: Produktnavn: ","4: Vilk�r for produktpakken","5: Renteberegning (forskudd/etterskudd)","6: Kapitaliseringsperiode (i m�neder?)","7: Maksimal avdragsrfi periode (i �r?)","8: Etableringsgebyr","9: Depotgebyr ","10: Rammel�n","11: Provisjon ","12: Minimums l�nebel�p ","13: Maksimalt l�nebel�p ","14: Termingebyr","15: Rente ","16: Minimums l�nebel�p ","17: Maksimalt l�nebel�p ","18: Termingebyr","19: Rente ","20: Minimums l�nebel�p ","21: Maksimalt l�nebel�p ","22: Termingebyr","23: Rente ","24: Minimums l�nebel�p ","25: Maksimalt l�nebel�p ","26: Termingebyr","27: Rente ","28: Minimums l�nebel�p ","29: Maksimalt l�nebel�p ","30: Termingebyr","31: Rente ");
+boliglansmatrise[1] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159226","Hol Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178287","Boligl�n 75% flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",0,"",25,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[2] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159232","Hol Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178287","Boligl�n 80% flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,3,1500,500,"nei","",0,"",25,4.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[3] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=141665","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/173663","Fleksil�n - 70% - Fordel bank","Fordel bank","etterskudd",1,10,750,950,"ja","",0,999999,70,4.40,1000000,1999999,70,3.85,2000000,"",70,3.60,"","","","","","","","");
+boliglansmatrise[4] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=141670","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/173663","F�rstehjemsl�n - Fordel bank","Fordel bank","etterskudd",1,5,750,950,"nei","",0,1999999,50,3.40,2000000,"",50,3.40,"","","","","","","","","","","","");
+boliglansmatrise[5] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159240","Hol Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178287","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"ja","",0,"",25,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[6] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159237","Hol Sparebank","tag:finansportalen.no,2011-10-14:feed/bank/produktpakke/178294","F�rstehjemsl�n","BSU &amp; l�nnskonto","etterskudd",1,1,750,500,"nei","",0,"",25,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[7] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49505","SpareBank 1 S�re Sunnm�re","","Bustadl�n","Ingen","etterskudd",1,0,1500,500,"nei","",0,999999,50,4.50,1000000,1999999,50,4.25,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[8] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=155332","Sparebanken Pluss","tag:finansportalen.no,2011-09-23:feed/bank/produktpakke/153295","Ungdomsl�n - f�rstehjemsl�n ","Ungdomsl�n m/BSU","etterskudd",1,0,2500,1000,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[9] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46291","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Ordin�re boligl�n","Brukskonto","etterskudd",1,5,2000,0,"nei","",0,"",35,4.25,"","","","","","","","","","","","","","","","");
+boliglansmatrise[10] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50471","Orkdal Sparebank","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/726","Kronl�n (flexil�n)","Kronkunde","etterskudd",1,0,1000,1000,"ja",0.00,0,"",60,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[11] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49561","Orkdal Sparebank","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153117","F�rstehjemsl�n","BSU-sparing","etterskudd",1,10,1000,1000,"nei",0.00,200000,"",35,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[12] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49181","Storebrand Bank ASA","tag:finansportalen.no,2009-12-07:feed/bank/produktpakke/1194","60 % Boligl�n flytende rente","StorebrandKonto","etterskudd",1,10,1000,750,"nei","",0,999999,50,4.80,1000000,1999999,50,4.40,2000000,"",50,4.10,"","","","","","","","");
+boliglansmatrise[13] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129888","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129861","Flexil�n 60% ISSB Ung","ISSB Ung 18 - 30","etterskudd",1,5,750,750,"ja","",0,"",0,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[14] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45851","SpareBank 1 �stfold Akershus","","Boligl�n","Ingen","etterskudd",1,0,1500,1000,"nei","",1,499999,35,4.70,500000,999999,35,4.45,1000000,2000000,35,3.95,2000001,"",35,3.85,"","","","");
+boliglansmatrise[15] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46685","Sparebanken Vest","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179890","75 % - fast rente - 3 �r","Brukskonto med l�nnsinngang","etterskudd",1,10,1000,1000,"nei","",250000,"",40,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[16] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129550","Storebrand Bank ASA","tag:finansportalen.no,2009-12-07:feed/bank/produktpakke/1194","75 % Boligl�n flytende rente","StorebrandKonto","etterskudd",1,10,1000,750,"nei","",0,999999,50,5.05,1000000,1999999,50,4.55,2000000,"",50,4.35,"","","","","","","","");
+boliglansmatrise[17] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49569","Harstad Sparebank","tag:finansportalen.no,2012-09-15:feed/bank/produktpakke/201467","60 %-l�n","Brukskonto med l�nnsinngang","etterskudd",1,30,2000,0,"nei","",0,999999,50,4.40,1000000,1999999,50,4.00,2000000,"",50,3.65,"","","","","","","","");
+boliglansmatrise[18] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46581","Surnadal Sparebank","","Terra Boligkreditt 60%","Ingen","etterskudd",1,0,1650,300,"nei","",1500000,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[19] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46387","Gjensidige Bank ASA","tag:finansportalen.no,2011-11-10:feed/bank/produktpakke/160543","F�rstehjemsl�n","Basis","etterskudd",1,5,750,950,"nei","",0,1999999,50,3.80,2000000,"",50,3.80,"","","","","","","","","","","","");
+boliglansmatrise[20] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156235","SpareBank 1 SMN","","Fastrentel�n 85% 10 �r","Ingen","etterskudd",1,5,1950,"","nei","",1000000,"",40,5.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[21] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49311","SpareBank 1 SR-Bank","tag:finansportalen.no,2009-05-05:feed/bank/produktpakke/172228","Smart Boligl�n","Smart-l�n og Alltid","etterskudd",1,10,1900,1000,"nei","",2000000,"",50,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[22] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46115","Helgeland Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/568","Boligl�n Helgeland Total","Helgeland Total","etterskudd",1,10,1500,750,"nei","",0,999999,50,4.70,1000000,1999999,50,4.30,2000000,"",50,3.95,"","","","","","","","");
+boliglansmatrise[23] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46117","Helgeland Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/181073","Boligl�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,750,"nei","",0,999999,50,4.95,1000000,1999999,50,4.55,2000000,"",50,4.20,"","","","","","","","");
+boliglansmatrise[24] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46105","Helgeland Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/568","Ungbol�n","Helgeland Total","etterskudd",1,10,1500,750,"nei","",0,999999,50,3.90,1000000,"",50,3.60,"","","","","","","","","","","","");
+boliglansmatrise[25] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46305","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Boligl�n pluss","Brukskonto","etterskudd",1,5,2000,0,"nei","",2000000,"",35,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[26] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49713","Skudenes &amp; Aakra Sparebank","tag:finansportalen.no,2012-05-05:feed/bank/produktpakke/188740","BSU-l�n","Kundeforhold og BSU","etterskudd",1,1,2000,400,"nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[27] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45779","Danske Bank","tag:finansportalen.no,2012-05-08:feed/bank/produktpakke/189070","Fastrentel�n 10 �r 75 % ","Aktiv dagligbank","etterskudd",1,0,1200,1000,"nei","",0,"",45,4.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[28] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45849","SpareBank 1 �stfold Akershus","tag:finansportalen.no,2011-12-19:feed/bank/produktpakke/166591","Flexil�n","Pluss (VISA m leg.)","etterskudd",1,0,1500,1000,"ja","",1500000,"",60,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[29] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46823","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Fastrentel�n 70% 3 �r","Brukskonto","etterskudd",1,5,2000,0,"nei","",0,"",35,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[30] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46135","Fornebu Sparebank","tag:finansportalen.no,2010-04-29:feed/bank/produktpakke/490","Fornebul�net","Totalkundeprogram","etterskudd",1,5,2250,750,"nei","",0,"",50,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[31] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=230630","Vestre Slidre Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179609","60% l�n","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,500,"nei","",0,999999,35,4.40,1000000,"",35,4.10,"","","","","","","","","","","","");
+boliglansmatrise[32] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46343","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178115","Boligl�n 75%","Brukskonto med l�nnsinngang","etterskudd",1,5,1500,800,"nei","",0,999999,30,4.95,1000000,1999999,30,4.45,2000000,"",30,4.15,"","","","","","","","");
+boliglansmatrise[33] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46339","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/802","Boligl�n LO Fav�r 75 % av verdi","LO Fav�r","etterskudd",1,5,1500,800,"nei","",0,999999,30,4.65,1000000,1999999,30,4.15,2000000,"",30,3.85,"","","","","","","","");
+boliglansmatrise[34] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46337","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/800","Boligl�n Privat Ekstra 75%","Privat Ekstra","etterskudd",1,5,1500,800,"nei","",0,999999,30,4.65,1000000,1999999,30,4.15,2000000,"",30,3.85,"","","","","","","","");
+boliglansmatrise[35] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142218","Kvinesdal Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178381","1833L�net gjennom Terra BoligKreditt","1833l�net","etterskudd",1,10,1500,300,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[36] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50033","H�land og Setskog Sparebank","tag:finansportalen.no,2010-07-12:feed/bank/produktpakke/107330","60% flytende rente","AKTIV ","etterskudd",1,5,1500,"","nei","",0,"",35,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[37] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50029","H�land og Setskog Sparebank","tag:finansportalen.no,2010-07-12:feed/bank/produktpakke/107330","F�rstehjemsl�n","AKTIV ","etterskudd",1,5,0,"","nei","",0,"",35,3.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[38] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=158782","Hjelmeland Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178399","Boligl�n innenfor 60%","Brukskonto med l�nnsinngang","etterskudd",1,5,1000,750,"nei","",0,"",50,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[39] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46583","Surnadal Sparebank","","L�n 80%","Ingen","etterskudd",1,0,1650,300,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[40] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46635","Din Bank (Sparebanken �st)","","Boligl�n 60%","Ingen","etterskudd",1,5,0,0,"nei","",0,"",0,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[41] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49307","SpareBank 1 SR-Bank","tag:finansportalen.no,2009-05-05:feed/bank/produktpakke/172228","Smart Flexil�n","Smart-l�n og Alltid","etterskudd",1,10,1900,1000,"ja","",2000000,"",70,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[42] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=218009","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Ordin�rt l�n 75 % - flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[43] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46565","SpareBank 1 SMN","tag:finansportalen.no,2012-05-04:feed/bank/produktpakke/188706","Flexil�n","LO-fav�r","etterskudd",1,5,1950,0,"ja","",1000000,1999999,75,4.30,2000000,2999999,75,4.00,3000000,"",75,4.00,"","","","","","","","");
+boliglansmatrise[44] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46327","Sandnes Sparebank","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/808","Boligl�n Ung","Basis Ung","etterskudd",1,5,2000,"","nei","",0,999999,45,4.35,1000000,1999999,45,4.00,2000000,"",45,3.55,"","","","","","","","");
+boliglansmatrise[45] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46329","Sandnes Sparebank","tag:finansportalen.no,2008-01-04:feed/bank/produktpakke/810","Nedbetalingsl�n","Basis","etterskudd",1,0,2000,"","nei","",0,999999,45,4.55,1000000,1999999,45,4.20,2000000,"",45,3.80,"","","","","","","","");
+boliglansmatrise[46] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46293","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Flexil�n pluss","Brukskonto","etterskudd",1,0,2000,0,"ja","",2000000,"",50,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[47] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49731","Fana Sparebank","tag:finansportalen.no,2009-11-16:feed/bank/produktpakke/1172","75 % -l�n","L�nns/Brukskonto","etterskudd",1,5,1000,1000,"nei","",0,499999,50,4.60,500000,999999,50,4.35,1000000,99999999,50,3.85,"","",50,"","","","","");
+boliglansmatrise[48] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=157245","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122710","Bustadl�n Ung - So Bra","So Bra","etterskudd",1,5,1000,1000,"nei","",0,"",40,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[49] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=157247","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122710","Fleksil�n 70 % - So Bra","So Bra","etterskudd",1,10,1000,1000,"ja","",0,1000000,40,4.50,1000000,2000000,40,4.25,2000000,"",40,4.00,"","","","","","","","");
+boliglansmatrise[50] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129867","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","L�n innanfor 80%","Brukskonto med l�nnsinngang","etterskudd",1,5,750,750,"nei","",0,"",35,4.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[51] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129865","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","L�n innanfor 85%","Brukskonto med l�nnsinngang","etterskudd",1,5,750,750,"nei","",0,"",35,5.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[52] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46785","OBOS L�n &amp; Spar (Oslo Bolig og Sparelag)","tag:finansportalen.no,2010-03-10:feed/bank/produktpakke/528","80% - l�n","Medlemsskap i OBOS","etterskudd",1,0,950,0,"nei","",0,"",35,4.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[53] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46783","OBOS L�n &amp; Spar (Oslo Bolig og Sparelag)","tag:finansportalen.no,2010-03-10:feed/bank/produktpakke/528","Fleksil�n","Medlemsskap i OBOS","etterskudd",1,10,950,0,"ja","",0,499999,50,4.25,500000,999999,50,3.85,1000000,1999999,50,3.70,2000000,"",50,3.45,"","","","");
+boliglansmatrise[54] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=102418","Tolga-Os Sparebank","tag:finansportalen.no,2013-01-02:feed/bank/produktpakke/212743","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,0,"ja","",0,1999999,50,4.30,2000000,"",50,4.30,"","","","","","","","","","","","");
+boliglansmatrise[55] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46701","Sparebanken Narvik","","60% - flytende rente","Ingen","etterskudd",1,10,2000,500,"nei","",2000000,"",50,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[56] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46699","Sparebanken Narvik","","80 % flytende rente","Ingen","etterskudd",1,10,2000,500,"nei","",2000000,"",50,4.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[57] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46697","Sparebanken Narvik","tag:finansportalen.no,2009-05-19:feed/bank/produktpakke/173064","Ungdomsl�n","Ubekymra Ung","etterskudd",1,10,2000,500,"nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[58] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46751","Aasen Sparebank","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153037","F�rstehjemsl�n","BSU-sparing","etterskudd",1,10,700,600,"nei","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[59] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46613","Evje og Hornnes Sparebank","tag:finansportalen.no,2012-05-11:feed/bank/produktpakke/189383","Boligl�n innenfor 60%","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,0,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[60] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139834","Etnedal Sparebank","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213039","Boligl�n innenfor 60 %","Brukskonto med l�nnsinngang","etterskudd",1,1,1500,600,"nei","",0,999999,30,3.95,1000000,1999999,30,3.85,2000000,"",30,3.65,"","","","","","","","");
+boliglansmatrise[61] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139838","Etnedal Sparebank","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213039","Boligl�n innenfor 80 %","Brukskonto med l�nnsinngang","etterskudd",1,1,1500,600,"nei","",0,"",30,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[62] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46323","SpareBank 1 SR-Bank","tag:finansportalen.no,2009-05-05:feed/bank/produktpakke/172228","Smart F�rstehjemsl�n","Smart-l�n og Alltid","etterskudd",1,10,1900,1000,"nei","",2000000,"",50,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[63] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=218013","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2008-04-15:feed/bank/produktpakke/608","Boligl�n 75 % Ekstra","Ekstra","etterskudd",1,0,375,500,"nei","",0,1999999,50,4.05,2000000,"",50,3.75,"","","","","","","","","","","","");
+boliglansmatrise[64] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46437","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/205608","Boligl�n 80% flytende rente","Oppdal Aktiv voksen","etterskudd",1,0,1000,600,"nei","",0,"",35,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[65] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47161","Haugesund Sparebank","","Boligl�n innenfor 80%","Ingen","etterskudd",1,5,1400,500,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[66] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47157","Haugesund Sparebank","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153081","Boligl�n BSU innenfor 85%","BSU-sparing","etterskudd",1,5,1400,500,"nei","",0,1999999,35,3.95,2000000,"",35,3.75,"","","","","","","","","","","","");
+boliglansmatrise[67] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=118633","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213031","Bustadl�n for unge","Brukskonto med l�nnsinngang","etterskudd",1,5,1500,500,"nei","",0,3500000,40,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[68] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=118631","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213031","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,5,1500,500,"ja","",0,3500000,40,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[69] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=157241","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122708","Bustadl�n - 75 % - So Bra Total","So Bra Total","etterskudd",1,5,1000,1000,"nei","",0,1000000,40,4.40,1000000,2000000,40,4.15,2000000,"",40,3.90,"","","","","","","","");
+boliglansmatrise[70] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=157251","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122708","Fleksil�n 70 % - So Bra Total","So Bra Total","etterskudd",1,5,1000,1000,"ja","",0,1000000,40,4.50,1000000,2000000,40,4.25,2000000,"",40,4.00,"","","","","","","","");
+boliglansmatrise[71] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50399","Drangedal og T�rdal Sparebank","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178238","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,750,"ja","",0,"",50,4.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[72] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46855","Meldal Sparebank","tag:finansportalen.no,2013-05-15:feed/bank/produktpakke/232379","F�rstehjemsl�n","Totalkunde","etterskudd",1,5,1000,500,"nei","",0,"",35,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[73] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139842","Etnedal Sparebank","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213039","F�rstehjemsl�n","Brukskonto med l�nnsinngang","etterskudd",1,1,1500,600,"nei","",0,"",30,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[74] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46139","Fornebu Sparebank","tag:finansportalen.no,2010-04-29:feed/bank/produktpakke/490","Boligl�n 60%","Totalkundeprogram","etterskudd",1,30,2250,750,"nei","",0,999999,35,4.60,1000000,1999999,35,4.05,2000000,"",35,3.90,"","","","","","","","");
+boliglansmatrise[75] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=218017","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2008-04-15:feed/bank/produktpakke/608","Ungdomsl�n 75 % Ekstra","Ekstra","etterskudd",1,0,375,500,"nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[76] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46237","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 60% 10 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[77] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50071","Fana Sparebank","tag:finansportalen.no,2009-11-16:feed/bank/produktpakke/1172","Fleksil�n","L�nns/Brukskonto","etterskudd",1,0,1000,1000,"ja","",0,499999,70,4.70,500000,999999,70,4.45,1000000,99999999,70,3.95,"","","","","","","","");
+boliglansmatrise[78] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=158751","Nes Prestegjelds Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/179925","Boligl�n innenfor 70%","Brukskonto med l�nnsinngang","etterskudd",1,5,5000,0,"nei","",200000,"",35,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[79] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142081","Vik Sparebank","tag:finansportalen.no,2013-01-30:feed/bank/produktpakke/218198","Bustadl�n Ung","BSU og brukskonto","etterskudd",1,5,1200,"","nei","",0,"",30,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[80] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48507","Haltdalen Sparebank","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/128086","Fastrente, 3 �r","AktivPluss","etterskudd",1,5,1500,"","nei","",0,"",35,4.15,"","","","","","","","","","","","","","","","");
+boliglansmatrise[81] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46617","Aurskog Sparebank","tag:finansportalen.no,2012-09-12:feed/bank/produktpakke/200972","utover 80% - flytende rente","Konto med l�nnsinngang","etterskudd",1,10,2000,2000,"nei","",50000,2000000,35,4.08,"","","","","","","","","","","","","","","","");
+boliglansmatrise[82] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47825","Aurland Sparebank","tag:finansportalen.no,2012-09-13:feed/bank/produktpakke/201108","60% - flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,0,"nei","",1000000,"",35,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[83] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=158796","Hjelmeland Sparebank","tag:finansportalen.no,2007-12-17:feed/bank/produktpakke/178394","F�rstehjemsl�n m/ panti i bolig m/ BSU sparing","BSU &amp; l�nnskonto","etterskudd",1,5,1000,750,"nei","",0,"",50,3.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[84] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=158793","Hjelmeland Sparebank","tag:finansportalen.no,2011-06-07:feed/bank/produktpakke/140846","Boligl�n 80 % Alt p� ein stad","Alt p� ein stad","etterskudd",1,5,1000,750,"nei","",0,"",50,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[85] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47159","Haugesund Sparebank","","Fleksibelt boligl�n","Ingen","etterskudd",1,0,1400,500,"ja",0.016,0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[86] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45755","Danske Bank","tag:finansportalen.no,2012-05-08:feed/bank/produktpakke/189070","Fastrentel�n 5 �r 75 % ","Aktiv dagligbank","etterskudd",1,0,1200,1000,"nei","",0,"",45,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[87] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45925","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/854","Boligl�n m/ Fastrente 10 �r","Fordel Pluss","etterskudd",1,10,2000,"","nei","",250000,"",50,4.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[88] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46781","OBOS L�n &amp; Spar (Oslo Bolig og Sparelag)","tag:finansportalen.no,2010-03-10:feed/bank/produktpakke/528","F�rstehjemsl�n","Medlemsskap i OBOS","etterskudd",1,5,950,0,"nei","",0,"",35,3.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[89] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142169","Vik Sparebank","tag:finansportalen.no,2013-01-30:feed/bank/produktpakke/218200","Eika Boligkreditt","Brukskonto","etterskudd",1,10,1200,"","nei","",0,"",35,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[90] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49515","Tinn Sparebank","","Boligkreditt 75%","Ingen","etterskudd",1,10,1500,0,"nei","",0,999999,40,4.45,1000000,1999999,40,4.05,2000000,"",40,3.80,"","","","","","","","");
+boliglansmatrise[91] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48223","Gildesk�l Sparebank","","1. prioritets boligl�n innenfor 80% av takst","Ingen","etterskudd",1,5,1000,750,"nei","",0,"",35,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[92] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49509","Tinn Sparebank","","Flexi-l�n 70 %","Ingen","etterskudd",1,10,2500,0,"ja","",0,999999,50,4.50,1000000,1999999,50,4.15,2000000,"",50,3.95,"","","","","","","","");
+boliglansmatrise[93] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49507","Tinn Sparebank","","Ungdomsl�n","Ingen","etterskudd",1,10,1000,0,"nei","",0,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[94] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46837","�rland Sparebank","tag:finansportalen.no,2007-12-10:feed/bank/produktpakke/772","Boligl�n","Totalkunde","etterskudd",1,10,1500,1000,"nei","",2000000,"",40,4.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[95] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48075","Voss Veksel- og Landmandsbank ASA","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/178551","Bustadl�n innanfor 80%","Brukskonto med l�nnsinngang","etterskudd",1,5,1000,0,"nei","",0,"",15,4.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[96] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49015","B� Sparebank","tag:finansportalen.no,2012-11-29:feed/bank/produktpakke/209210","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,0,750,750,"ja","",0,"",50,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[97] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46207","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 60% 7 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[98] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46127","Hjartdal og Gransherad Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178262","F�rstehjemsl�n","Brukskonto med l�nnsinngang","etterskudd",1,2,2000,750,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[99] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50397","Drangedal og T�rdal Sparebank","tag:finansportalen.no,2011-10-16:feed/bank/produktpakke/157084","F�rstehjemsl�n","BSU-sparing","etterskudd",1,0,1750,750,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[100] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49137","Arendal og Omegns Sparekasse","tag:finansportalen.no,2009-10-13:feed/bank/produktpakke/201094","F�rstehjemsl�n","BSU og konto","etterskudd",1,0,1000,500,"nei","",0,"",35,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[101] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46325","Sandnes Sparebank","tag:finansportalen.no,2008-01-04:feed/bank/produktpakke/810","Rammel�n - Kongekonto","Basis","etterskudd",1,0,5000,0,"ja","",0,999999,50,4.75,1000000,1999999,50,4.40,2000000,"",50,4.00,"","","","","","","","");
+boliglansmatrise[102] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=112650","Rindal Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178415","BSU-l�n","BSU &amp; l�nnskonto","etterskudd",1,0,500,500,"nei","",500000,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[103] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156391","�rskog Sparebank","tag:finansportalen.no,2012-11-14:feed/bank/produktpakke/208783","60% Bustad","Aktiv N�rkunde 18-67 �r/Totalkunde","etterskudd",1,0,1250,750,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[104] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46459","Sparebanken Hemne","","Flexil�n","Ingen","etterskudd",1,10,1500,1000,"ja","",0,999999,50,4.30,1000000,1999999,50,4.20,2000000,"",50,4.00,"","","","","","","","");
+boliglansmatrise[105] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116771","Andebu Sparebank","tag:finansportalen.no,2012-11-13:feed/bank/produktpakke/208735","F�rstehjemsl�n","Hovedbank","etterskudd",1,5,1500,0,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[106] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46929","H�nefoss Sparebank","","Boligl�n","Ingen","etterskudd",1,5,1750,0,"nei","",2000000,"",35,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[107] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50065","SkagerakDirektebank.no (Bamble og Langesund Sparebank)","tag:finansportalen.no,2012-02-24:feed/bank/produktpakke/178500","Flexi-l�n inntil 70 % av verdi","Brukskonto med l�nnsinngang","etterskudd",1,5,0,0,"ja","",0,9999999,35,3.79,"","","","","","","","","","","","","","","","");
+boliglansmatrise[108] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=158815","Nes Prestegjelds Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/179925","Boligl�n innenfor 80%","Brukskonto med l�nnsinngang","etterskudd",1,5,5000,0,"nei","",200000,"",35,4.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[109] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50395","Drangedal og T�rdal Sparebank","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178238","60% - flytende rente Terra Boligkreditt","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",500000,1999999,35,4.05,2000000,"",35,3.85,"","","","","","","","","","","","");
+boliglansmatrise[110] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=102416","Tolga-Os Sparebank","tag:finansportalen.no,2013-01-02:feed/bank/produktpakke/212743","60 % l�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,0,"nei","",0,1999999,40,3.95,2000000,"",40,3.85,"","","","","","","","","","","","");
+boliglansmatrise[111] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=102420","Tolga-Os Sparebank","tag:finansportalen.no,2013-01-02:feed/bank/produktpakke/212743","F�rstehjemsl�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,0,"nei","",0,1999999,40,3.60,2000000,"",40,3.60,"","","","","","","","","","","","");
+boliglansmatrise[112] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156394","�rskog Sparebank","tag:finansportalen.no,2012-11-14:feed/bank/produktpakke/208793","BSU-l�n","BSU-sparing","etterskudd",1,0,1250,750,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[113] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=141555","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/173663","Boligl�n - 75% - Fordel bank","Fordel bank","etterskudd",1,5,750,950,"nei","",0,999999,50,4.25,1000000,1999999,50,3.70,2000000,"",50,3.45,"","","","","","","","");
+boliglansmatrise[114] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46235","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 60% 3 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[115] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=118624","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213031","Boligl�n","Brukskonto med l�nnsinngang","etterskudd",1,5,1500,500,"nei","",0,499999,40,4.60,500000,999999,40,4.35,1000000,1499999,40,4.10,1500000,5000000,40,3.85,"","","","");
+boliglansmatrise[116] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46145","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2009-02-05:feed/bank/produktpakke/716","LO Fav�r boligl�n","LOfav�r","etterskudd",1,0,0,0,"nei","",1500000,"",40,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[117] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46143","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2009-02-05:feed/bank/produktpakke/714","Privat Ekstra boligl�n","Privat Ekstra","etterskudd",1,0,1750,0,"nei","",1500000,"",40,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[118] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46151","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178091","Boligl�n","Brukskonto","etterskudd",1,5,1750,0,"nei","",1500000,"",40,4.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[119] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142868","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","Boligkreditt","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",200000,999999,35,4.20,1000000,1999999,35,4.10,2000000,"",35,3.80,"","","","","","","","");
+boliglansmatrise[120] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46835","�rland Sparebank","tag:finansportalen.no,2007-12-10:feed/bank/produktpakke/772","Smartl�n","Totalkunde","etterskudd",1,0,1500,1000,"ja","",2000000,"",40,4.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[121] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142212","Kvinesdal Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178378","60 % boligl�n Terra Boligkreditt","Fordelsl�n","etterskudd",1,10,1500,300,"nei","",2000000,"",35,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[122] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142215","Kvinesdal Sparebank","tag:finansportalen.no,2012-01-15:feed/bank/produktpakke/169709","75 % rammel�n","Kvinesdal Sparebank Lojal","etterskudd",1,5,1500,300,"ja","",0,"",0,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[123] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156441","Marker Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178437","F�rstehjemsl�n","Brukskonto med l�nnsinngang","etterskudd",1,5,0,0,"nei","",2000000,"",35,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[124] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50333","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2011-02-18:feed/bank/produktpakke/130131","75%","Helkunde","etterskudd",1,5,1000,750,"nei","",0,999999,50,4.40,1000000,1999999,50,4.10,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[125] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=126929","SpareBank 1 Buskerud-Vestfold","","Boligl�n for unge","Ingen","etterskudd",1,5,2500,"","nei","",0,"",30,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[126] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=126927","SpareBank 1 Buskerud-Vestfold","","Flexil�n","Ingen","etterskudd",1,0,2500,"","ja","",1,999999,60,4.80,1000000,1999999,60,4.30,2000000,"",60,4.00,"","","","","","","","");
+boliglansmatrise[127] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46467","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/205608","Boligl�n 60% flytende rente","Oppdal Aktiv voksen","etterskudd",1,10,1000,600,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[128] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46435","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/205608","Fleksil�n ramme innenfor 60%","Oppdal Aktiv voksen","etterskudd",1,5,1000,600,"ja","",0,"",75,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[129] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50081","Skudenes &amp; Aakra Sparebank","","Fleksil�n","Ingen","etterskudd",1,10,2000,400,"ja",0.033,0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[130] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49355","S�gne og Greipstad Sparebank","tag:finansportalen.no,2012-05-31:feed/bank/produktpakke/190322","75% - boligl�n flytende rente","Konto","etterskudd",1,0,2000,500,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[131] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49359","S�gne og Greipstad Sparebank","tag:finansportalen.no,2012-05-31:feed/bank/produktpakke/190322","70% - fleksil�n flytende rente","Konto","etterskudd",1,10,2000,500,"ja","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[132] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49357","S�gne og Greipstad Sparebank","tag:finansportalen.no,2012-11-14:feed/bank/produktpakke/208776","85% - ungdomsl�n med flytende rente","BSU &amp; l�nnskonto","etterskudd",1,0,2000,500,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[133] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46137","Fornebu Sparebank","tag:finansportalen.no,2010-04-29:feed/bank/produktpakke/490","Boligl�n 80%","Totalkundeprogram","etterskudd",1,30,2250,750,"nei","",0,999999,50,5.10,1000000,1999999,50,4.80,2000000,"",50,4.45,"","","","","","","","");
+boliglansmatrise[134] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49511","Tinn Sparebank","","Boligkreditt 60%","Ingen","etterskudd",1,10,1000,"","nei","",0,999999,40,4.35,1000000,1999999,40,3.95,2000000,"",40,3.70,"","","","","","","","");
+boliglansmatrise[135] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=153362","Hegra Sparebank","","L�n med pant i bolig og/eller fritidsbolig 85%","Ingen","etterskudd",1,10,1500,1000,"nei","",0,999999,50,4.35,1000000,1999999,50,4.05,2000000,"",50,3.75,"","","","","","","","");
+boliglansmatrise[136] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50189","Blaker Sparebank","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178211","Boligkreditt","Brukskonto med l�nnsinngang","etterskudd",1,0,1500,"","ja","",0,1999999,30,4.00,2000000,"",30,3.70,"","","","","","","","","","","","");
+boliglansmatrise[137] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47893","Luster Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/704","Nyetablering 85%","nettobank ungdom","etterskudd",1,5,1000,500,"nei","",1,749999,35,3.95,750000,1499999,35,3.75,1500000,"",35,3.50,"","","","","","","","");
+boliglansmatrise[138] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49625","Haltdalen Sparebank","tag:finansportalen.no,2011-10-16:feed/bank/produktpakke/157105","F�rstehjemsl�n","BSU-sparing","etterskudd",1,0,1500,"","nei","",0,"",35,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[139] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46205","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 80% 5 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[140] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=118627","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2013-01-04:feed/bank/produktpakke/213031","Boligl�n innenfor 85%","Brukskonto med l�nnsinngang","etterskudd",1,5,1500,500,"nei","",0,499999,40,5.10,500000,999999,40,4.85,1000000,1499999,40,4.60,1500000,3500000,40,4.35,"","","","");
+boliglansmatrise[141] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=178914","Nes Prestegjelds Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/179925","Fleksil�n","Brukskonto med l�nnsinngang","etterskudd",1,10,5000,0,"ja","",200000,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[142] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49795","KLP Banken AS","","Boligkreditt - 70%","Ingen","etterskudd",1,10,2000,"","ja","",0,999999,150,4.15,1000000,1999999,150,4.05,2000000,9999999,150,3.95,"","","","","","","","");
+boliglansmatrise[143] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159448","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Boligl�n - 75% ","Medlem i KLP","etterskudd",1,5,1250,0,"nei","",0,999999,30,4.00,1000000,1999999,30,3.90,2000000,"",30,3.80,"","","","","","","","");
+boliglansmatrise[144] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49797","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Litt Extra - Seniorl�n for de over 60 �r","Medlem i KLP","etterskudd",1,30,1250,"","ja","",0,9999999,0,5.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[145] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129876","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129861","L�n innanfor 60% ISSB Ung","ISSB Ung 18 - 30","etterskudd",1,5,750,750,"nei","",0,"",35,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[146] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129871","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129863","L�n innanfor 85% ISSB Total","ISSB Total","etterskudd",1,5,750,750,"nei","",0,"",35,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[147] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48697","Krager� Sparebank","tag:finansportalen.no,2012-05-10:feed/bank/produktpakke/189308","Boligl�n 60 %","Brukskonto med l�nnsinngang","etterskudd",1,10,2500,"","nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[148] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156432","Marker Sparebank","","Boligl�n Terra BoligKreditt","Ingen","etterskudd",1,10,1500,0,"nei","",200000,999999,35,3.80,1000000,1999999,35,3.60,2000000,"",35,3.50,"","","","","","","","");
+boliglansmatrise[149] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50415","SpareBank 1 Ringerike Hadeland","tag:finansportalen.no,2013-02-04:feed/bank/produktpakke/218423","Flexil�n","Bruks eller l�nnskonto","etterskudd",1,0,750,1250,"ja","",500000,999999,70,4.55,1000000,1999999,70,4.25,2000000,"",70,3.90,"","","","","","","","");
+boliglansmatrise[150] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46299","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Flexil�n innenfor 70%","Brukskonto","etterskudd",1,0,2000,0,"ja","",100000,"",50,4.25,"","","","","","","","","","","","","","","","");
+boliglansmatrise[151] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47917","R�rosbanken R�ros Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179628","Boligl�n - flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,1750,"","nei","",0,"",50,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[152] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159466","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Boligkreditt 70%","Medlem i KLP","etterskudd",1,10,1250,0,"ja","",0,999999,90,4.00,1000000,1999999,90,3.90,2000000,9999999,90,3.80,"","","","","","","","");
+boliglansmatrise[153] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159456","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Boligl�n - 85%","Medlem i KLP","etterskudd",1,0,1250,0,"nei","",0,999999,30,4.35,1000000,1999999,30,4.25,2000000,"",30,4.15,"","","","","","","","");
+boliglansmatrise[154] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=107374","Hegra Sparebank","","Ungdomsl�n til f�rste bolig innenfor 85 %","Ingen","etterskudd",1,10,1000,1000,"nei","",0,999999,50,4.05,1000000,1999999,50,3.95,2000000,"",50,3.75,"","","","","","","","");
+boliglansmatrise[155] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139602","Tysnes Sparebank","tag:finansportalen.no,2011-04-18:feed/bank/produktpakke/139813","Flexil�n","Tysnes Aktiv Totalkunde","etterskudd",1,10,1500,0,"ja","",0,"",50,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[156] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156492","Str�mmen Sparebank","tag:finansportalen.no,2008-12-22:feed/bank/produktpakke/974","Spiro Pluss boligl�n for deg under 34 �r","Spiro Pluss","etterskudd",1,5,0,500,"nei","",100000,"",30,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[157] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=120006","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","","Boligkreditt/flexil�n","Ingen","etterskudd",1,10,1000,1000,"ja","",0,999999,0,4.80,1000000,1999999,0,4.45,2000000,"",0,4.00,"","","","","","","","");
+boliglansmatrise[158] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50611","Selbu Sparebank","","Boligl�n 75 %","Ingen","etterskudd",1,5,2000,1000,"nei","",0,999999,50,4.25,1000000,1999999,50,4.15,2000000,"",50,3.95,"","","","","","","","");
+boliglansmatrise[159] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=106303","Hjartdal og Gransherad Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178262","60% - flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,2000,750,"nei","",0,"",35,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[160] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49765","KLP Banken AS","","Boligl�n - 75% - flytende","Ingen","etterskudd",1,5,2000,0,"nei","",0,999999,50,4.15,1000000,1999999,50,4.05,2000000,9999999,50,3.95,"","","","","","","","");
+boliglansmatrise[161] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159478","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Fritidsbolig - 75%","Medlem i KLP","etterskudd",1,5,1250,0,"nei","",0,999999,30,4.30,1000000,1999999,30,4.20,2000000,9999999,30,4.10,"","","","","","","","");
+boliglansmatrise[162] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48669","Orkdal Sparebank","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/726","60% Eika Boligkreditt","Kronkunde","etterskudd",1,10,1000,1000,"nei","",200000,999999,35,3.75,1000000,"",35,3.75,"","","","","","","","","","","","");
+boliglansmatrise[163] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159577","Tr�gstad Sparebank","tag:finansportalen.no,2012-11-22:feed/bank/produktpakke/209063","F�rstehjemsl�n","BSU &amp; l�nnskonto","etterskudd",1,10,1500,0,"nei","",0,499999,35,3.75,500000,999999,35,3.70,1000000,1999999,35,3.65,2000000,"",35,3.60,"","","","");
+boliglansmatrise[164] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49937","Verdibanken ASA","","Nedbetalingsl�n 60 %","Ingen","etterskudd",1,5,500,750,"nei","",0,"",45,3.69,"","","","","","","","","","","","","","","","");
+boliglansmatrise[165] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46631","Din Bank (Sparebanken �st)","","Flexikreditt 70 %","Ingen","etterskudd",1,20,0,0,"ja","",0,4000000,0,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[166] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46833","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2008-04-15:feed/bank/produktpakke/608","Flexil�n 70 % - flytende rente","Ekstra","etterskudd",1,0,375,500,"ja","",0,1999999,70,4.15,2000000,"",70,3.85,"","","","","","","","","","","","");
+boliglansmatrise[167] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49803","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2012-06-13:feed/bank/produktpakke/196264","Boligl�n standard","Brukskonto med l�nnsinngang","etterskudd",1,3,1500,"","nei","",0,1200000,25,4.70,1200000,2000000,25,4.60,2000001,"",25,4.05,"","","","","","","","");
+boliglansmatrise[168] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46457","Sparebanken Hemne","","Boligl�n","Ingen","etterskudd",1,10,1500,1000,"nei","",0,999999,50,4.25,1000000,1999999,50,4.15,2000000,"",50,3.95,"","","","","","","","");
+boliglansmatrise[169] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46083","Hjartdal og Gransherad Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178262","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,0,2000,750,"ja","",0,"",50,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[170] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47163","Veg�rshei Sparebank","","60% - Terra Boligkreditt","Ingen","etterskudd",1,10,1500,"","nei","",200000,1999999,35,3.80,2000000,"",35,3.80,"","","","","","","","","","","","");
+boliglansmatrise[171] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49223","Sparebank 1 Nordvest","","Boligl�n","Ingen","etterskudd",1,0,1600,"","nei","",0,1000000,35,4.50,1000000,2000000,35,4.30,2000000,"",35,4.00,"","","","","","","","");
+boliglansmatrise[172] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48373","R�rosbanken R�ros Sparebank","tag:finansportalen.no,2011-09-06:feed/bank/produktpakke/149774","F�rstehjemsl�n","BSU-sparing","etterskudd",1,0,1500,"","nei","",0,"",50,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[173] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159496","Time Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/201801","Boligl�n Ung","Ska Sei 20 - 22 �r","etterskudd",1,0,2000,250,"nei","",500000,"",40,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[174] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49491","Lillesands Sparebank","","Flexil�n","Ingen","etterskudd",1,0,1000,750,"ja","",0,1999999,30,3.95,2000000,"",30,3.70,"","","","","","","","","","","","");
+boliglansmatrise[175] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46555","Askim Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/574","Aktiv Ung Voksen F�rstehjemsl�n","Aktiv Ung Voksen","etterskudd",1,0,1500,1000,"nei","",0,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[176] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46585","Surnadal Sparebank","","L�n 60 %","Ingen","etterskudd",1,0,1650,300,"nei","",1500000,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[177] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46535","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/196258","Flexil�n","Helkunde Privat Ekstra","etterskudd",1,5,1500,"","ja","",500000,"",25,4.25,"","","","","","","","","","","","","","","","");
+boliglansmatrise[178] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46531","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/196258","Flexil�n over 2 mill","Helkunde Privat Ekstra","etterskudd",1,5,1500,"","ja","",2000000,"",50,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[179] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129873","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129863","L�n innanfor 60% ISSB Total","ISSB Total","etterskudd",1,5,750,750,"nei","",0,"",35,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[180] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129878","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129861","L�n innanfor 85% ISSB Ung","ISSB Ung 18 - 30","etterskudd",1,5,750,750,"nei","",0,"",35,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[181] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46677","Skudenes &amp; Aakra Sparebank","","Boligl�n 75 %","Ingen","etterskudd",1,1,2000,400,"nei","",0,999999,50,4.40,1000000,1999999,50,4.10,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[182] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=200919","Lillestr�mBanken (Lillestr�m Sparebank)","","60% Terra BoligKreditt","Ingen","etterskudd",1,0,1000,600,"nei","",200000,499999,35,4.75,500000,999999,35,4.30,1000000,1999999,35,3.95,2000000,"",35,3.60,"","","","");
+boliglansmatrise[183] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=230633","Vestre Slidre Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179609","80%","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,500,"nei","",0,"",35,4.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[184] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46553","Askim Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/574","Aktiv Ung Voksen L�n","Aktiv Ung Voksen","simulert_forskudd",1,0,1500,1000,"nei","",0,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[185] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46559","Askim Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/590","Askim Aktiv L�n","Askim Aktiv","etterskudd",1,0,1500,1000,"nei","",0,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[186] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46557","Askim Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/590","Flexil�n","Askim Aktiv","etterskudd",1,0,1500,1000,"ja","",0,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[187] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46729","Bien Sparebank AS","tag:finansportalen.no,2008-01-10:feed/bank/produktpakke/1244","Seniorl�net LittExtra","Honn�r","etterskudd",1,30,1500,1000,"ja","",0,"",25,5.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[188] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48743","SpareBank 1 S�re Sunnm�re","","Flexil�n innanfor 70 %","Ingen","etterskudd",1,0,1500,500,"ja","",0,999999,60,4.70,1000000,1999999,60,4.40,2000000,"",60,3.95,"","","","","","","","");
+boliglansmatrise[189] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=120009","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","","Boligl�n 60%","Ingen","etterskudd",1,10,1000,1000,"nei","",0,999999,35,4.70,1000000,1999999,35,4.15,2000000,"",35,3.90,"","","","","","","","");
+boliglansmatrise[190] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=120012","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","","Boligl�n for unge","Ingen","etterskudd",1,10,1000,1000,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[191] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116758","Andebu Sparebank","tag:finansportalen.no,2012-11-13:feed/bank/produktpakke/208735","Boligl�n - 60%","Hovedbank","etterskudd",1,5,1500,0,"nei","",0,999999,35,4.55,1000000,1999999,35,4.10,2000000,"",35,3.80,"","","","","","","","");
+boliglansmatrise[192] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=149788","Andebu Sparebank","tag:finansportalen.no,2012-11-13:feed/bank/produktpakke/208735","Boligl�n 75 %","Hovedbank","etterskudd",1,15,1500,0,"nei","",0,999999,65,4.55,1000000,1999999,65,4.10,2000000,"",65,3.80,"","","","","","","","");
+boliglansmatrise[193] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159847","Storebrand Bank ASA","tag:finansportalen.no,2011-02-08:feed/bank/produktpakke/129553","75 % Boligl�n fast rente 3 �r","Helkunde","etterskudd",1,10,1000,750,"nei","",200000,10000000,50,4.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[194] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142829","Rindal Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178419","Boligl�n i TBK 60%","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,500,"nei","",500000,"",35,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[195] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46689","Voss Sparebank","","Bustadl�n 60% Flytande rente","Ingen","etterskudd",1,0,2000,0,"nei","",0,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[196] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49617","Aurskog Sparebank","tag:finansportalen.no,2012-09-12:feed/bank/produktpakke/200972","Fleksil�n ","Konto med l�nnsinngang","etterskudd",1,0,2000,2000,"ja","",50000,2000000,35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[197] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=126924","SpareBank 1 Buskerud-Vestfold","","Boligl�n","Ingen","etterskudd",1,5,2500,"","nei","",1,999999,30,4.70,1000000,1999999,30,4.20,2000000,"",30,3.90,"","","","","","","","");
+boliglansmatrise[198] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49533","Sparebanken Vest","tag:finansportalen.no,2007-12-05:feed/bank/produktpakke/1138","70 % - Rammel�n (flexil�n) - fordel","Vestavinn","etterskudd",1,0,1000,1000,"ja","",0,499999,60,5.20,500000,999999,60,4.60,1000000,"",60,4.00,"","","","","","","","");
+boliglansmatrise[199] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156358","SpareBank 1 S�re Sunnm�re","","Fastrentel�n 3 �rs binding","Ingen","etterskudd",1,0,1500,500,"nei","",0,499999,50,4.40,500000,999999,50,4.20,1000000,"",50,4.10,"","","","","","","","");
+boliglansmatrise[200] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50601","Selbu Sparebank","","BLU boligl�n for ungdom","Ingen","etterskudd",1,10,2000,1000,"nei","",0,"",50,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[201] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129885","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129863","Flexil�n 70% ISSB Total","ISSB Total","etterskudd",1,5,750,750,"ja","",0,"",0,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[202] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50363","Blaker Sparebank","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178211","60%","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,500,"nei","",0,1999999,30,4.00,2000000,"",30,3.70,"","","","","","","","","","","","");
+boliglansmatrise[203] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46669","Voss Sparebank","","Fleksil�n","Ingen","etterskudd",1,99,2000,0,"ja","",100000,"",60,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[204] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46687","Voss Sparebank","tag:finansportalen.no,2012-02-13:feed/bank/produktpakke/177718","Fyrsteheimsl�n m/BSU","BSU","etterskudd",1,5,2000,0,"nei","",0,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[205] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47135","Sunndal Sparebank","tag:finansportalen.no,2011-04-11:feed/bank/produktpakke/135379","Boligl�n","Helkundeforhold","etterskudd",1,5,1900,900,"nei","",0,"",40,3.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[206] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49855","Sparebanken Vest","tag:finansportalen.no,2007-12-05:feed/bank/produktpakke/1138","Boligl�n for unge","Vestavinn","etterskudd",1,10,1000,1000,"nei","",1,"",40,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[207] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46171","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2008-04-15:feed/bank/produktpakke/608","Ungdomsl�n 85 % Ekstra","Ekstra","etterskudd",1,0,375,500,"nei","",0,"",100,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[208] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50609","Selbu Sparebank","","Flexil�n","Ingen","etterskudd",1,0,2000,1000,"ja","",0,999999,50,4.55,1000000,1999999,50,4.45,2000000,"",50,4.25,"","","","","","","","");
+boliglansmatrise[209] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49893","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-05-21:feed/bank/produktpakke/189821","Flexil�n","Totalkunde/Hovedbankforbindelse","etterskudd",1,10,1000,900,"ja","",0,999999,50,4.20,1000000,1999999,50,4.00,2000000,"",50,3.75,"","","","","","","","");
+boliglansmatrise[210] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129883","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129863","Flexil�n 60% ISSB Total","ISSB Total","etterskudd",1,5,750,750,"ja","",0,"",0,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[211] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129890","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129861","Flexil�n 70% ISSB Ung","ISSB Ung 18 - 30","etterskudd",1,5,750,750,"ja","",0,"",0,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[212] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46475","Eidsberg Sparebank","tag:finansportalen.no,2012-09-14:feed/bank/produktpakke/201375","Ungdomsl�n","Aktiv Ung Voksen","etterskudd",1,5,1500,500,"nei","",300000,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[213] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49725","KLP Banken AS","","Fastrente 3 �r - 75%","Ingen","etterskudd",1,5,2000,"","nei","",0,9999999,50,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[214] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49787","KLP Banken AS","","Fritidsbolig - 75% - flytende","Ingen","etterskudd",1,5,2000,"","nei","",0,999999,50,4.45,1000000,1999999,50,4.35,2000000,9999999,50,4.25,"","","","","","","","");
+boliglansmatrise[215] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142865","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","60% - L�n med pant i andelsbolig","Brukskonto med l�nnsinngang","etterskudd",1,5,1750,500,"nei","",0,999999,35,4.85,1000000,1999999,35,4.35,2000000,"",35,4.00,"","","","","","","","");
+boliglansmatrise[216] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49859","Lillesands Sparebank","","Boligl�n","Ingen","etterskudd",1,0,1000,750,"nei","",0,1999999,30,3.95,2000000,"",30,3.70,"","","","","","","","","","","","");
+boliglansmatrise[217] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139545","Swedbank Norge NUF","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/948","Boligkreditt 60% fra 1 million kroner","Swedbank Privat pakke","etterskudd",1,10,1750,0,"ja","",1000000,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[218] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139548","Swedbank Norge NUF","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/948","Boligkreditt 60% under 1 million kroner","Swedbank Privat pakke","etterskudd",1,10,1750,0,"ja","",0,999999,35,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[219] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139559","Swedbank Norge NUF","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/948","Boligl�n 60% fra 1 million kroner","Swedbank Privat pakke","etterskudd",1,10,1750,0,"nei","",1000000,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[220] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139562","Swedbank Norge NUF","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/948","Boligl�n 60% under 1 million kroner","Swedbank Privat pakke","etterskudd",1,10,1750,0,"nei","",0,999999,35,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[221] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139565","Swedbank Norge NUF","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/948","Boligl�n 75% fra 1 million kroner","Swedbank Privat pakke","etterskudd",1,10,1750,0,"nei","",1000000,"",35,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[222] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139568","Swedbank Norge NUF","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/948","Boligl�n 75% under 1 million kroner","Swedbank Privat pakke","etterskudd",1,10,1750,0,"nei","",0,999999,35,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[223] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50191","Blaker Sparebank","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178211","80%","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,500,"nei","",0,"",30,4.29,"","","","","","","","","","","","","","","","");
+boliglansmatrise[224] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46493","Blaker Sparebank","tag:finansportalen.no,2010-04-29:feed/bank/produktpakke/502","F�rstehjemsl�n","BSU-sparing","etterskudd",1,0,0,0,"nei","",0,"",30,4.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[225] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142842","Rindal Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178419","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,5,500,500,"ja","",0,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[226] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47887","Soknedal Sparebank","tag:finansportalen.no,2013-01-02:feed/bank/produktpakke/212647","F�rstehjemsl�n, med BSU","BSU","etterskudd",1,5,2000,0,"nei","",100000,"",30,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[227] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156003","SpareBank 1 SMN","","Fastrentel�n 85% 5 �r ","Ingen","etterskudd",1,5,1950,"","nei","",1000000,"",40,4.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[228] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50419","SpareBank 1 Ringerike Hadeland","tag:finansportalen.no,2013-02-04:feed/bank/produktpakke/218423","Boligl�n 75%","Bruks eller l�nnskonto","etterskudd",1,0,750,1250,"nei","",0,1000000,50,4.55,1000001,1999999,50,4.15,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[229] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46303","Sparebanken Hedmark","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153049","Boligl�n til unge","BSU eller annen sparing","etterskudd",1,5,2000,0,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[230] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225595","Melhusbanken (Melhus Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/746","MelhusBanken BLU","TotalKunde","etterskudd",1,0,1500,500,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[231] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225587","Melhusbanken (Melhus Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/746","Boligl�n","TotalKunde","etterskudd",1,5,1500,500,"nei","",2000000,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[232] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49165","Storebrand Bank ASA","tag:finansportalen.no,2009-12-07:feed/bank/produktpakke/1194","60 % Boligkreditt","StorebrandKonto","etterskudd",1,10,1000,750,"ja","",0,999999,75,4.85,1000000,1999999,75,4.45,2000000,"",75,4.15,"","","","","","","","");
+boliglansmatrise[233] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=166261","Storebrand Bank ASA","tag:finansportalen.no,2009-12-07:feed/bank/produktpakke/1194","70 % Boligkreditt","StorebrandKonto","etterskudd",1,10,1000,750,"ja","",0,999999,75,4.85,1000000,1999999,75,4.60,2000000,"",75,4.40,"","","","","","","","");
+boliglansmatrise[234] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225770","Berg Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/594","Boligl�n nr.1","Stamkunde Pluss","etterskudd",1,0,750,750,"nei","",1,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[235] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225776","Berg Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/594","Flexil�n/rammeKreditt","Stamkunde Pluss","etterskudd",1,0,750,750,"ja","",1,999999,50,4.55,1000000,1999999,50,4.30,2000000,"",50,4.00,"","","","","","","","");
+boliglansmatrise[236] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=200927","Lillestr�mBanken (Lillestr�m Sparebank)","","Flexil�n","Ingen","etterskudd",1,0,1800,600,"ja","",0,999999,50,4.70,1000000,1999999,50,4.20,2000000,"",50,3.85,"","","","","","","","");
+boliglansmatrise[237] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=200921","Lillestr�mBanken (Lillestr�m Sparebank)","","F�rstehjemsl�n","Ingen","etterskudd",1,0,2400,600,"nei","",200000,499999,45,3.60,500000,999999,45,3.60,1000000,1999999,45,3.60,2000000,"",45,3.60,"","","","");
+boliglansmatrise[238] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46597","Eidsberg Sparebank","tag:finansportalen.no,2012-09-14:feed/bank/produktpakke/201373","Aktiv Ekstra Fleksil�n 60%","Aktiv Ekstra","etterskudd",1,0,1500,500,"ja","",500000,999999,50,4.50,1000000,1999999,50,4.15,2000000,"",50,3.85,"","","","","","","","");
+boliglansmatrise[239] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49727","KLP Banken AS","","Fastrente 10 �r - 75%","Ingen","etterskudd",1,5,2000,"","nei","",0,9999999,50,4.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[240] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46627","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-05-21:feed/bank/produktpakke/189821","Fastrente 3 �r 75%","Totalkunde/Hovedbankforbindelse","etterskudd",1,0,1000,900,"nei","",0,"",30,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[241] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46625","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-05-21:feed/bank/produktpakke/189821","Fastrente 5 �r 75%","Totalkunde/Hovedbankforbindelse","etterskudd",1,0,1000,900,"nei","",0,"",30,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[242] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48691","Krager� Sparebank","tag:finansportalen.no,2012-01-28:feed/bank/produktpakke/172906","F�rstehjemsl�n - inntil 85% av verdi","Krager� Total","etterskudd",1,5,2500,"","nei","",0,"",35,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[243] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=232686","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","Fastrentel�n 5 �r","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",200000,"",35,4.15,"","","","","","","","","","","","","","","","");
+boliglansmatrise[244] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48463","Haltdalen Sparebank","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/128086","Terra Boligkreditt 60%","AktivPluss","etterskudd",1,0,1500,"","nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[245] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46545","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Boligl�n","Hovedkunde","etterskudd",1,5,3000,500,"nei","",0,999999,50,4.70,1000000,1999999,50,4.10,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[246] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46717","Grue Sparebank","tag:finansportalen.no,2012-05-19:feed/bank/produktpakke/189729","60 % - flexil�n","Konto","etterskudd",1,10,1500,"","ja",0.10,0,"",0,4.25,"","","","","","","","","","","","","","","","");
+boliglansmatrise[247] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46713","Grue Sparebank","tag:finansportalen.no,2012-05-19:feed/bank/produktpakke/189729","80 %-l�n","Konto","etterskudd",1,0,1500,0,"nei","",100000,"",35,4.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[248] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46497","Grue Sparebank","tag:finansportalen.no,2012-05-19:feed/bank/produktpakke/189725","Boligl�n til ungdom","BSU og konto","etterskudd",1,0,1500,0,"nei","",100000,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[249] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=200923","Lillestr�mBanken (Lillestr�m Sparebank)","","L�n med pant i fast eiendom innenfor 80% av takst","Ingen","etterskudd",1,5,1800,600,"nei","",0,1000000,45,4.50,1000000,1999999,45,4.00,2000000,"",45,3.65,"","","","","","","","");
+boliglansmatrise[250] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46149","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2009-02-05:feed/bank/produktpakke/132269","Boligl�n for ungdom","Ungdom Total","etterskudd",1,0,1750,0,"nei","",0,"",40,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[251] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46845","�rland Sparebank","tag:finansportalen.no,2007-12-10:feed/bank/produktpakke/740","Boligl�n til Ungdom","Totalkunde Ungdom","etterskudd",1,10,1500,1000,"nei","",1000000,"",40,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[252] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=151632","Bien Sparebank AS","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/900","Bien Boligl�n for Unge (BBU)","BienPluss","etterskudd",1,5,0,2000,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[253] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116703","SpareBank 1 SMN","","Fastrentel�n 3 �r","Ingen","etterskudd",1,5,1950,"","nei","",1000000,"",40,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[254] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116708","SpareBank 1 SMN","","Fastrentel�n 7 �r","Ingen","etterskudd",1,5,1950,"","nei","",1000000,"",40,4.67,"","","","","","","","","","","","","","","","");
+boliglansmatrise[255] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159146","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2008-04-15:feed/bank/produktpakke/608","Boligl�n 80 % Ekstra","Ekstra","etterskudd",1,0,375,500,"nei","",0,1999999,100,4.12,2000000,"",100,3.82,"","","","","","","","","","","","");
+boliglansmatrise[256] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49943","Verdibanken ASA","","F�rstehjemsl�n 80 %","Ingen","etterskudd",1,0,500,750,"nei","",0,"",45,4.16,"","","","","","","","","","","","","","","","");
+boliglansmatrise[257] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49935","Verdibanken ASA","","Nedbetalingsl�n 80 %","Ingen","etterskudd",1,5,500,750,"nei","",0,"",45,4.26,"","","","","","","","","","","","","","","","");
+boliglansmatrise[258] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49723","KLP Banken AS","","Fastrente 5 �r - 75%","Ingen","etterskudd",1,5,2000,"","nei","",0,9999999,50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[259] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49945","Verdibanken ASA","","F�rstehjemsl�n 60 %","Ingen","etterskudd",1,0,500,750,"nei","",0,"",45,3.59,"","","","","","","","","","","","","","","","");
+boliglansmatrise[260] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=151733","Tysnes Sparebank","tag:finansportalen.no,2011-04-18:feed/bank/produktpakke/139813","TUL�n - inntil 85%","Tysnes Aktiv Totalkunde","etterskudd",1,2,1500,0,"nei","",0,"",35,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[261] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=139608","Tysnes Sparebank","tag:finansportalen.no,2011-04-18:feed/bank/produktpakke/139813","Boligl�n - Inntil 85% ","Tysnes Aktiv Totalkunde","etterskudd",1,10,3000,0,"nei","",0,"",70,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[262] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=152196","Tysnes Sparebank","tag:finansportalen.no,2011-04-18:feed/bank/produktpakke/139813","Boligl�n - inntil 60% ","Tysnes Aktiv Totalkunde","etterskudd",1,2,1500,0,"nei","",0,"",35,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[263] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48105","Aurland Sparebank","tag:finansportalen.no,2012-09-13:feed/bank/produktpakke/201108","80% - flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,1000,0,"nei","",1000000,"",35,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[264] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46633","Din Bank (Sparebanken �st)","","Boligl�n 70 %","Ingen","etterskudd",1,5,0,0,"nei","",0,6000000,0,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[265] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46309","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2008-01-09:feed/bank/produktpakke/762","Flexil�n/rammel�n","Privat Ekstra","etterskudd",1,0,1250,1250,"ja","",0,499990,75,5.15,500000,999999,75,4.80,1000000,1999999,75,4.45,2000000,"",75,4.05,"","","","");
+boliglansmatrise[266] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225592","Melhusbanken (Melhus Sparebank)","","Flexil�n","Ingen","etterskudd",1,0,1000,500,"ja","",0,"",50,4.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[267] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225605","Orkdal Sparebank","","60% EikaBoligkreditt","Ingen","etterskudd",1,10,1000,1000,"nei","",200000,"",35,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[268] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=166263","Storebrand Bank ASA","tag:finansportalen.no,2011-02-08:feed/bank/produktpakke/129553","70 % Boligkreditt helkunde","Helkunde","etterskudd",1,10,1000,750,"ja","",0,999999,75,4.50,1000000,1999999,75,4.10,2000000,"",75,3.80,"","","","","","","","");
+boliglansmatrise[269] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49179","Storebrand Bank ASA","tag:finansportalen.no,2011-02-08:feed/bank/produktpakke/129553","75 % Boligl�n helkunde flytende rente","Helkunde","etterskudd",1,10,1000,750,"nei","",0,999999,50,4.45,1000000,1999999,50,4.05,2000000,"",50,3.75,"","","","","","","","");
+boliglansmatrise[270] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116766","Andebu Sparebank","tag:finansportalen.no,2012-11-13:feed/bank/produktpakke/208735","Fleksil�n","Hovedbank","etterskudd",1,30,1500,0,"ja","",0,999999,50,4.80,1000000,1999999,50,4.30,2000000,"",50,4.05,"","","","","","","","");
+boliglansmatrise[271] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225773","Berg Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/594","Boligl�n Terra BoligKreditt","Stamkunde Pluss","etterskudd",1,10,1500,750,"nei","",1,999999,35,4.40,1000000,1999999,35,4.10,2000000,"",35,3.85,"","","","","","","","");
+boliglansmatrise[272] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46157","SpareBank 1 SR-Bank","","Fastrentel�n 3 �r","Ingen","etterskudd",1,10,1900,1000,"nei","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[273] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=165783","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2011-02-18:feed/bank/produktpakke/130131","Fastrentel�n- 3 �r","Helkunde","etterskudd",1,10,1000,750,"nei","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[274] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46849","SpareBank 1 SR-Bank","","Fastrentel�n 5 �r","Ingen","etterskudd",1,10,1900,1000,"nei","",0,"",50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[275] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=232683","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","Fastrentel�n 3 �r","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",200000,"",35,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[276] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=232688","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","Fastrentel�n 10 �r","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",200000,"",35,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[277] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142872","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","Fleksil�n","Brukskonto med l�nnsinngang","etterskudd",1,5,1750,500,"ja","",0,999999,35,4.85,1000000,1999999,35,4.35,2000000,"",35,4.00,"","","","","","","","");
+boliglansmatrise[278] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47827","Aurskog Sparebank","tag:finansportalen.no,2012-09-12:feed/bank/produktpakke/200972","60% - flytende rente","Konto med l�nnsinngang","etterskudd",1,10,2000,2000,"nei","",50000,2000000,35,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[279] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=201365","B� Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179910","Boligl�n for unge","Boligl�n for ungdom","etterskudd",1,0,1500,750,"nei","",1,"",40,3.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[280] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142916","Seljord Sparebank","tag:finansportalen.no,2012-08-13:feed/bank/produktpakke/198211","Vest-Telemark l�net","Tilflytting","etterskudd",1,0,1950,500,"nei","",2000000,"",50,3.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[281] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225629","Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/534","75% - totalkunde","Totalkunde","etterskudd",1,0,1250,1000,"nei","",0,499999,35,4.60,500000,999999,35,4.55,1000000,1999999,35,4.10,2000000,"",35,3.80,"","","","");
+boliglansmatrise[282] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225635","Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/534","Fleksil�n - totalkunde","Totalkunde","etterskudd",1,0,1250,1000,"ja",0.00,0,499999,50,4.70,500000,999999,50,4.65,1000000,1999999,50,4.20,2000000,"",50,3.90,"","","","");
+boliglansmatrise[283] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228874","Sparebanken M�re","tag:finansportalen.no,2008-06-27:feed/bank/produktpakke/1074","M�re Boligkreditt","M�re Verdi","etterskudd",1,5,800,1000,"ja","",0,999999,35,4.60,1000000,1999999,35,4.35,2000000,"",35,4.00,"","","","","","","","");
+boliglansmatrise[284] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228871","Sparebanken M�re","tag:finansportalen.no,2008-06-27:feed/bank/produktpakke/1074","M�re Boligl�n","M�re Verdi","etterskudd",1,0,800,1000,"nei","",0,999999,30,4.50,1000000,1999999,30,4.25,2000000,"",30,3.90,"","","","","","","","");
+boliglansmatrise[285] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228876","Sparebanken M�re","tag:finansportalen.no,2012-01-26:feed/bank/produktpakke/172732","M�re Ung Boligl�n","M�re Ung","etterskudd",1,0,800,1000,"nei","",0,"",30,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[286] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=165791","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2011-02-18:feed/bank/produktpakke/130131","Fastrentel�n- 5 �r","Helkunde","etterskudd",1,10,1000,750,"nei","",0,"",50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[287] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=232710","Sparebanken S�r","","Byggel�n bolig","Ingen","etterskudd",1,0,2500,2500,"nei",0.33,0,"",0,7.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[288] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=232712","Sparebanken S�r","","Byggel�n bolig (konvertering til Husbanken)","Ingen","etterskudd",1,0,2500,2500,"nei",0.33,0,"",0,7.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[289] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=201445","Haltdalen Sparebank","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/128086","Fastrente, 5 �r","AktivPluss","etterskudd",1,5,1500,"","nei","",0,"",35,4.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[290] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=201449","Haltdalen Sparebank","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/128086","Fastrente, 10 �r","AktivPluss","etterskudd",1,5,1500,"","nei","",0,"",35,5.15,"","","","","","","","","","","","","","","","");
+boliglansmatrise[291] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=201447","Haltdalen Sparebank","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/128086","Fastrente, 7 �r","AktivPluss","etterskudd",1,5,1500,"","nei","",0,"",35,4.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[292] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46495","Bjugn Sparebank","","F�rstehjemsl�n","Ingen","etterskudd",1,10,1500,500,"nei","",0,"",40,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[293] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156360","SpareBank 1 S�re Sunnm�re","","Fastrentel�n 10 �rs binding","Ingen","etterskudd",1,0,1500,500,"nei","",0,499999,50,5.25,500000,999999,50,5.05,1000000,"",50,4.95,"","","","","","","","");
+boliglansmatrise[294] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=196988","Gjensidige Bank ASA","tag:finansportalen.no,2011-11-10:feed/bank/produktpakke/160543","Fastrentel�n 5 �r - 75%","Basis","etterskudd",1,5,750,950,"nei","",100000,10000000,50,4.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[295] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225642","Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","","Ungdomsl�n","Ingen","etterskudd",1,0,1250,1000,"nei",0.00,2000000,"",35,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[296] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46715","Grue Sparebank","tag:finansportalen.no,2012-05-19:feed/bank/produktpakke/189729","60 %-l�n","Konto","etterskudd",1,10,1500,0,"nei","",0,999999,35,4.50,1000000,1999999,35,4.10,2000000,"",35,3.80,"","","","","","","","");
+boliglansmatrise[297] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225779","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129164","60% Flytende Rente Fordel","Fordel","etterskudd",1,0,1000,750,"nei","",0,500000,35,5.05,500000,1000000,35,4.80,1000000,2000000,35,4.35,2000000,"",35,3.95,"","","","");
+boliglansmatrise[298] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225787","Larvikbanken Brunlanes Sparebank","","60% Flytende Rente ordin�r","Ingen","etterskudd",1,0,1000,750,"nei","",0,500000,35,5.35,500000,1000000,35,5.10,1000000,2000000,35,4.65,2000000,"",35,4.25,"","","","");
+boliglansmatrise[299] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225799","Larvikbanken Brunlanes Sparebank","","80% Flytende Rente ordin�r","Ingen","etterskudd",1,0,1000,750,"nei","",0,500000,35,5.80,500000,1000000,35,5.55,1000000,2000000,35,5.20,2000000,"",35,4.80,"","","","");
+boliglansmatrise[300] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225813","Larvikbanken Brunlanes Sparebank","","Boligkreditt 60 % ordin�r","Ingen","etterskudd",1,10,1000,750,"ja","",0,500000,35,5.15,500000,1000000,35,5.00,1000000,2000000,35,4.60,2000000,"",35,4.20,"","","","");
+boliglansmatrise[301] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225817","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129164","Flexil�n Fordel","Fordel","etterskudd",1,0,1000,750,"ja","",0,500000,65,5.10,500000,1000000,65,4.85,1000000,2000000,65,4.40,2000000,"",65,4.00,"","","","");
+boliglansmatrise[302] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225829","Larvikbanken Brunlanes Sparebank","","Flexil�n ordin�r","Ingen","etterskudd",1,0,1000,750,"ja","",0,500000,65,5.40,500000,1000000,65,5.15,1000000,2000000,65,4.70,2000000,"",65,4.30,"","","","");
+boliglansmatrise[303] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225835","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129164","Startl�n Fordel","Fordel","etterskudd",1,0,1000,750,"nei","",1,"",35,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[304] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225843","Larvikbanken Brunlanes Sparebank","","Startl�n ordin�r","Ingen","etterskudd",1,0,1000,750,"nei","",1,"",35,4.15,"","","","","","","","","","","","","","","","");
+boliglansmatrise[305] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=196990","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/182071","Fastrentel�n 3 �r - 75%-Fordel org","Fordel org","etterskudd",1,5,0,0,"nei","",100000,10000000,50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[306] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228939","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122708","Fastrente - 10 �r / 75 %","So Bra Total","etterskudd",1,5,1000,1000,"nei","",250000,"",40,5.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[307] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=233411","Bud Fr�na og Hustad Sparebank","","BFU Boligl�n for ungdom","Ingen","etterskudd",1,0,1500,500,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[308] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=174406","Gildesk�l Sparebank","","1. prioritets boligl�n innenfor 60%","Ingen","etterskudd",1,5,1000,750,"nei","",0,"",35,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[309] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=196986","Gjensidige Bank ASA","tag:finansportalen.no,2011-11-10:feed/bank/produktpakke/160543","Fastrentel�n 3 �r - 75%","Basis","etterskudd",1,5,750,950,"nei","",100000,10000000,50,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[310] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=197174","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/182071","Fastrentel�n 5 �r - 75% Fordel org","Fordel org","etterskudd",1,5,0,0,"nei","",100000,10000000,50,4.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[311] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225783","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129166","60% Flytende Rente Fordel Pluss","Fordel pluss","etterskudd",1,0,1000,750,"nei","",0,500000,35,4.95,500000,1000000,35,4.70,1000000,2000000,35,4.25,2000000,"",35,3.85,"","","","");
+boliglansmatrise[312] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225791","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129164","80% Flytende Rente Fordel","Fordel","etterskudd",1,0,1000,750,"nei","",0,500000,35,5.50,500000,1000000,35,5.25,1000000,2000000,35,4.90,2000000,"",35,4.50,"","","","");
+boliglansmatrise[313] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225795","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129166","80% Flytende Rente Fordel Pluss","Fordel pluss","etterskudd",1,0,1000,750,"nei","",0,500000,35,5.40,500000,1000000,35,5.15,1000000,2000000,35,4.80,2000000,"",35,4.40,"","","","");
+boliglansmatrise[314] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50549","Stadsbygd Sparebank","tag:finansportalen.no,2013-02-11:feed/bank/produktpakke/220878","Fleksil�n","Brukskonto med l�nnsinngang ","etterskudd",1,0,1000,750,"ja","",0,"",65,4.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[315] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50555","Stadsbygd Sparebank","tag:finansportalen.no,2008-08-19:feed/bank/produktpakke/177090","F�rstehjemsl�n","FRI UNGDOM 18 - 25 �r","etterskudd",1,0,1000,750,"nei","",0,"",35,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[316] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228941","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122710","Fastrente - 10 �r / 85 %","So Bra","etterskudd",1,5,1000,1000,"nei","",250000,"",40,5.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[317] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46331","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/800","Flexil�n 70%","Privat Ekstra","etterskudd",1,5,1500,800,"ja","",0,999999,60,4.65,1000000,1999999,60,4.15,2000000,"",60,3.85,"","","","","","","","");
+boliglansmatrise[318] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=233413","Bud Fr�na og Hustad Sparebank","","Eika Boligkreditt Boligl�n","Ingen","etterskudd",1,0,1500,500,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[319] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225805","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129164","Boligkreditt 60 % Fordel","Fordel","etterskudd",1,10,1000,750,"ja","",0,500000,35,4.85,500000,1000000,35,4.70,1000000,2000000,35,4.30,2000000,"",35,3.90,"","","","");
+boliglansmatrise[320] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225809","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129166","Boligkreditt 60 % Fordel Pluss","Fordel pluss","etterskudd",1,10,1000,750,"ja","",0,500000,35,4.75,500000,1000000,35,4.60,1000000,2000000,35,4.20,2000000,"",35,3.80,"","","","");
+boliglansmatrise[321] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225823","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129166","Flexil�n Fordel Pluss","Fordel pluss","etterskudd",1,0,1000,750,"ja","",0,500000,65,5.00,500000,1000000,65,4.75,1000000,2000000,65,4.30,2000000,"",65,3.90,"","","","");
+boliglansmatrise[322] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225839","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129166","Startl�n Fordel Pluss","Fordel pluss","etterskudd",1,0,1000,750,"nei","",1,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[323] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228943","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122708","Fastrente - 3 �r / 75 %","So Bra Total","etterskudd",1,3,1000,1000,"nei","",250000,"",40,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[324] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228945","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122710","Fastrente - 3 �r / 85 %","So Bra","etterskudd",1,3,1000,1000,"nei","",250000,"",35,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[325] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228949","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122710","Fastrente - 5 �r / 85 %","So Bra","etterskudd",1,5,1000,1000,"nei","",250000,"",40,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[326] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46639","Hegra Sparebank","","L�n med pant i bolig og/eller fritidsbolig 60%","Ingen","etterskudd",1,10,1500,1000,"nei","",0,999999,50,4.35,1000000,1999999,50,4.05,2000000,"",50,3.75,"","","","","","","","");
+boliglansmatrise[327] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=171845","Sparebanken S�r","","Fastrentel�n 5 �r","Ingen","etterskudd",1,0,3000,0,"nei","",0,999999,50,5.40,1000000,1999999,50,4.85,2000000,"",50,4.55,"","","","","","","","");
+boliglansmatrise[328] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221560","BN Bank ASA","","Seniorl�n","Ingen","etterskudd",1,30,1500,0,"ja","",0,"",0,5.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[329] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156355","SpareBank 1 S�re Sunnm�re","","Fastrentel�n 5 �rs binding","Ingen","etterskudd",1,0,1500,500,"nei","",0,499999,50,4.65,500000,999999,50,4.45,1000000,"",50,4.35,"","","","","","","","");
+boliglansmatrise[330] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225886","Fana Sparebank","tag:finansportalen.no,2009-11-16:feed/bank/produktpakke/1172","60 % -l�n","L�nns/Brukskonto","etterskudd",1,5,1000,1000,"nei","",0,99999999,50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[331] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50073","Fana Sparebank","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153053","BSU-l�n","BSU eller annen sparing","etterskudd",1,5,1000,1000,"nei","",0,499999,50,4.35,500000,999999,50,4.10,1000000,99999999,50,3.60,"","","","","","","","");
+boliglansmatrise[332] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49899","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-05-21:feed/bank/produktpakke/189821","75% flytende rente","Totalkunde/Hovedbankforbindelse","etterskudd",1,0,1000,900,"nei","",0,999999,30,4.20,1000000,1999999,30,4.00,2000000,"",30,3.75,"","","","","","","","");
+boliglansmatrise[333] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=228947","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2010-11-11:feed/bank/produktpakke/122708","Fastrente - 5 �r / 75 %","So Bra Total","etterskudd",1,5,1000,1000,"nei","",250000,"",40,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[334] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=158811","Hjelmeland Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178399","Flexil�n ","Brukskonto med l�nnsinngang","etterskudd",1,5,1000,750,"ja","",0,"",0,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[335] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225967","Flekkefjord Sparebank","","Boligkreditt (Fleksil�n)","Ingen","etterskudd",1,0,1000,500,"ja","",0,"",50,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[336] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225969","Flekkefjord Sparebank","","Boligl�n","Ingen","etterskudd",1,5,1000,500,"nei","",0,"",0,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[337] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=180898","Sparebanken �st","","Flexil�n 70 %","Ingen","etterskudd",1,10,0,0,"ja","",0,"",0,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[338] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48859","Danske Bank","tag:finansportalen.no,2012-05-08:feed/bank/produktpakke/189070","Boligkreditt 70 % ","Aktiv dagligbank","etterskudd",1,0,1200,1000,"ja","",0,"",75,4.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[339] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48627","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/854","Boligl�n m/ Fastrente 3 �r","Fordel Pluss","etterskudd",1,10,2000,"","nei","",250000,"",50,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[340] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45919","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/854","Boligl�n m/Fastrente 5 �r","Fordel Pluss","etterskudd",1,10,2000,"","nei","",250000,"",50,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[341] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221601","Str�mmen Sparebank","","Litt Extra L�n","Ingen","etterskudd",1,30,1500,"","ja","",0,"",0,5.15,"","","","","","","","","","","","","","","","");
+boliglansmatrise[342] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=222818","DNB Bank ASA","tag:finansportalen.no,2010-12-15:feed/bank/produktpakke/124762","Boligl�n Ung ","Helkunde","etterskudd",1,5,750,1000,"nei","",0,1999999,50,3.60,2000000,"",50,3.60,"","","","","","","","","","","","");
+boliglansmatrise[343] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=222820","DNB Bank ASA","tag:finansportalen.no,2010-12-15:feed/bank/produktpakke/124762","Rammel�n ","Helkunde","etterskudd",1,5,750,1000,"ja","",0,499999,70,4.50,500000,999999,70,4.50,1000000,1999999,70,4.20,2000000,"",70,3.90,"","","","");
+boliglansmatrise[344] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46113","Helgeland Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/568","Helgeland Fleksibel","Helgeland Total","etterskudd",1,10,1500,750,"ja","",400000,999999,75,4.80,1000000,1999999,75,4.40,2000000,"",75,4.05,"","","","","","","","");
+boliglansmatrise[345] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47029","Eiendomskreditt AS","","65% - fast til 2018. Inkluderer gratisfordeler","Ingen","etterskudd",3,5,0,0,"nei","",200000,999999,0,4.30,1000000,"",0,4.20,"","","","","","","","","","","","");
+boliglansmatrise[346] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221603","Lillestr�mBanken (Lillestr�m Sparebank)","","Litt Extra","Ingen","etterskudd",1,30,1600,"","ja","",0,"",0,5.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[347] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225971","Flekkefjord Sparebank","","Byggel�n Bolig","Ingen","etterskudd",3,0,1000,500,"ja","",0,"",0,5.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[348] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=225973","Flekkefjord Sparebank","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153040","F�rstehjemsl�n","BSU eller annen sparing","etterskudd",1,5,1000,500,"nei","",0,"",0,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[349] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49587","Landkreditt Bank AS","tag:finansportalen.no,2011-05-13:feed/bank/produktpakke/138665","Boligkreditt","Landkreditt hovedbank","etterskudd",3,15,0,0,"ja",0.00,1000000,8000000,0,3.95,"","",0,"","","","","","","","","","","","","");
+boliglansmatrise[350] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49591","Landkreditt Bank AS","tag:finansportalen.no,2011-05-13:feed/bank/produktpakke/138665","Boligl�n","Landkreditt hovedbank","etterskudd",1,5,0,0,"nei","",0,999999,0,4.15,1000000,"",0,3.85,"","",0,"","","","","","","","","");
+boliglansmatrise[351] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46333","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2011-10-14:feed/bank/produktpakke/156941","BSU l�n","BSU-sparing","etterskudd",1,5,1500,800,"nei","",0,999999,30,4.35,1000000,1999999,30,3.85,2000000,"",30,3.55,"","","","","","","","");
+boliglansmatrise[352] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221596","Fornebu Sparebank","","LittExtra","Ingen","etterskudd",1,30,2250,750,"ja","",0,"",0,5.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[353] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=222816","DNB Bank ASA","tag:finansportalen.no,2010-12-15:feed/bank/produktpakke/124762","Boligl�n 75 % ","Helkunde","etterskudd",1,5,750,1000,"nei","",0,499999,50,4.40,500000,999999,50,4.40,1000000,1999999,50,4.10,2000000,"",50,3.80,"","","","");
+boliglansmatrise[354] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221598","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","","Litt Extra Seniorl�n","Ingen","etterskudd",1,30,1000,1000,"ja","",0,"",0,5.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[355] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229379","Landkreditt Bank AS","tag:finansportalen.no,2011-05-13:feed/bank/produktpakke/138665","F�rstehjemsl�n","Landkreditt hovedbank","etterskudd",1,0,0,"","nei","",0,8000000,0,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[356] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=185483","�fjord Sparebank","tag:finansportalen.no,2012-04-23:feed/bank/produktpakke/185461","Boligkreditt","Helkunde","etterskudd",1,10,1000,500,"ja","",0,1999999,0,4.30,2000000,"",0,4.00,"","","","","","","","","","","","");
+boliglansmatrise[357] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=208450","Din Bank (Sparebanken �st)","","Flexikreditt 60 %","Ingen","etterskudd",1,20,0,0,"ja","",0,4000000,0,3.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[358] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=222795","Sparebanken �st","","Fastrente 3 �r","Ingen","etterskudd",1,5,750,500,"nei","",0,"",40,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[359] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224219","Totens Sparebank","tag:finansportalen.no,2012-05-10:feed/bank/produktpakke/189311","Boligl�n innenfor 75 % av verdigrunnlag","Brukskonto med l�nnsinngang","etterskudd",1,10,2000,0,"nei","",0,999999,50,4.60,1000000,1999999,50,4.15,2000000,"",50,3.85,"","","","","","","","");
+boliglansmatrise[360] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224226","Totens Sparebank","tag:finansportalen.no,2012-05-10:feed/bank/produktpakke/189311","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,0,1500,750,"ja","",0,999999,60,4.80,1000000,1999999,60,4.35,2000000,"",60,4.05,"","","","","","","","");
+boliglansmatrise[361] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224558","Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","","60% l�n","Ingen","etterskudd",1,10,2500,"","nei","",1000000,"",50,4.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[362] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224568","Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","","Boligkreditt 60%","Ingen","etterskudd",1,10,2500,"","ja","",2000000,"",100,4.50,"","","","","","","","","","","","","","","","");
+boliglansmatrise[363] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224699","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/854","Boligl�n UNG med Fordel Pluss","Fordel Pluss","etterskudd",1,10,0,"","nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[364] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224701","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/856","Boligl�n UNG med Fordel","Fordel","etterskudd",1,10,0,"","nei","",0,"",50,4.15,"","","","","","","","","","","","","","","","");
+boliglansmatrise[365] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224703","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/1286","Boligl�n UNG med Basis","Basis","etterskudd",1,10,0,"","nei","",0,"",50,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[366] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224705","Nordea (Nordea Bank Norge ASA)","","Boligl�n UNG","Ingen","etterskudd",1,10,0,"","nei","",0,"",50,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[367] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221884","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178073","Boligl�n ","Grepa brukskonto uten m�nedspris","etterskudd",1,5,1500,500,"nei","",0,499999,40,4.60,500000,999999,40,4.35,1000000,1499999,40,4.10,1500000,5000000,40,3.85,"","","","");
+boliglansmatrise[368] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47913","R�rosbanken R�ros Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179628","Fleksil�n","Brukskonto med l�nnsinngang","etterskudd",1,0,1750,"","ja","",0,"",50,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[369] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229477","DNB Bank ASA","","Fastrentel�n- 3 �r ","Ingen","etterskudd",1,5,750,1000,"nei","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[370] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45759","Danske Bank","tag:finansportalen.no,2012-05-08:feed/bank/produktpakke/189070","Fastrentel�n 3 �r 75 % ","Aktiv dagligbank","etterskudd",1,0,1200,1000,"nei","",0,"",45,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[371] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229615","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Fastrente 3 �r 75%","Medlem i KLP","etterskudd",1,5,1250,"","nei","",0,9999999,30,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[372] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229618","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Fastrente 5 �r 75%","Medlem i KLP","etterskudd",1,5,1250,"","nei","",0,9999999,30,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[373] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=185488","�fjord Sparebank","tag:finansportalen.no,2012-04-23:feed/bank/produktpakke/185461","Boligl�n 85 %","Helkunde","etterskudd",1,10,1000,500,"nei","",0,1999999,35,4.20,2000000,"",35,3.90,"","","","","","","","","","","","");
+boliglansmatrise[374] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=185564","�fjord Sparebank","tag:finansportalen.no,2012-04-23:feed/bank/produktpakke/185461","F�rstehjemsl�n","Helkunde","etterskudd",1,0,1000,500,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[375] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224679","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/1286","Boligkreditt Basis","Basis","etterskudd",1,10,2000,"","ja","",100000,999999,50,5.00,1000000,1999999,50,4.65,2000000,"",50,4.65,"","","","","","","","");
+boliglansmatrise[376] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49619","Aurskog Sparebank","tag:finansportalen.no,2012-09-12:feed/bank/produktpakke/200972","75 % - flytende rente","Konto med l�nnsinngang","etterskudd",1,10,2000,2000,"nei","",50000,2000000,35,3.91,"","","","","","","","","","","","","","","","");
+boliglansmatrise[377] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46419","Aurskog Sparebank","tag:finansportalen.no,2011-06-01:feed/bank/produktpakke/139720","F�rstehjemsl�n","UNG33","etterskudd",1,5,0,2000,"nei","",50000,"",35,3.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[378] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49211","Danske Bank","tag:finansportalen.no,2012-05-08:feed/bank/produktpakke/189070","F�rstehjemsl�n","Aktiv dagligbank","etterskudd",1,0,1200,1000,"nei","",0,"",45,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[379] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=180819","Youngbank.no (Sparebanken �st)","","Boligl�n 70 %","Ingen","etterskudd",1,10,750,500,"nei","",0,"",40,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[380] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46405","Gjensidige Bank ASA","tag:finansportalen.no,2011-11-10:feed/bank/produktpakke/160543","Boligl�n - 75%","Basis","etterskudd",1,5,750,950,"nei","",0,999999,50,4.50,1000000,1999999,50,4.10,2000000,"",50,3.95,"","","","","","","","");
+boliglansmatrise[381] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182077","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/182071","Boligl�n - 75% - Fordel org.","Fordel org","etterskudd",1,5,0,0,"nei","",0,999999,50,4.15,1000000,1999999,50,3.60,2000000,"",50,3.35,"","","","","","","","");
+boliglansmatrise[382] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46391","Gjensidige Bank ASA","tag:finansportalen.no,2011-11-10:feed/bank/produktpakke/160543","Fleksil�n - 70%","Basis","etterskudd",1,10,750,950,"ja","",0,999999,70,4.65,1000000,1999999,70,4.25,2000000,"",70,4.10,"","","","","","","","");
+boliglansmatrise[383] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182084","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/182071","Fleksil�n - 70% - Fordel org.","Fordel org","etterskudd",1,10,0,0,"ja","",0,999999,70,4.30,1000000,1999999,70,3.75,2000000,"",70,3.50,"","","","","","","","");
+boliglansmatrise[384] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182066","Gjensidige Bank ASA","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/182071","F�rstehjemsl�n - Fordel org.","Fordel org","etterskudd",1,5,0,0,"nei","",0,1999999,50,3.30,2000000,"",50,3.30,"","","","","","","","","","","","");
+boliglansmatrise[385] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=180900","Sparebanken �st","","I Steget","Ingen","etterskudd",1,10,750,500,"nei","",100000,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[386] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=180831","Youngbank.no (Sparebanken �st)","","Boligl�n ","Ingen","etterskudd",1,10,750,500,"nei","",0,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[387] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=180859","Youngbank.no (Sparebanken �st)","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179868","F�rstehjemsl�n","youngbank-konto og BSU","etterskudd",1,10,750,500,"nei","",0,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[388] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=213233","Cultura Sparebank","tag:finansportalen.no,2013-03-06:feed/bank/produktpakke/221831","Klimal�n","L�nnskontobank","etterskudd",1,0,1500,"","nei","",100000,"",0,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[389] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46663","Soknedal Sparebank","tag:finansportalen.no,2013-03-07:feed/bank/produktpakke/222620","Terra Boligkreditt 60 %","Brukskonto med l�nnsinngang","etterskudd",1,1,2000,0,"nei","",1000000,"",30,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[390] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46615","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2011-02-18:feed/bank/produktpakke/130131","Boligl�n Ung (BLU)","Helkunde","etterskudd",1,2,1000,750,"nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[391] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116706","SpareBank 1 SMN","","Fastrentel�n 5 �r","Ingen","etterskudd",1,5,1950,"","nei","",1000000,"",40,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[392] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49309","SpareBank 1 SR-Bank","tag:finansportalen.no,2009-05-05:feed/bank/produktpakke/172228","Smart Boligl�n 1.000.000","Smart-l�n og Alltid","etterskudd",1,10,1900,1000,"nei","",1000000,"",50,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[393] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=208467","BN Bank ASA","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178223","Boligkreditt 70 %","Brukskonto med l�nnsinngang","etterskudd",1,30,1500,500,"ja","",0,1999999,70,4.05,2000000,"",70,3.85,"","","","","","","","","","","","");
+boliglansmatrise[394] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=208475","BN Bank ASA","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178223","Boligl�n 85 %","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",0,1999999,30,4.45,2000000,"",30,4.25,"","","","","","","","","","","","");
+boliglansmatrise[395] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46469","Klepp Sparebank","tag:finansportalen.no,2011-03-22:feed/bank/produktpakke/133370","Vardel�n","Varde","etterskudd",1,10,2250,"","nei","",200000,"",50,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[396] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46529","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/196261","F�rstehjemsl�n","Helkunde Privat Ekstra med BSU","etterskudd",1,3,1500,"","nei","",0,"",25,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[397] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49785","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2008-01-09:feed/bank/produktpakke/762","Boligl�n 75% flytende","Privat Ekstra","etterskudd",1,0,1250,1250,"nei","",0,499999,35,5.05,500000,999999,35,4.70,1000000,1999999,35,4.35,2000000,"",35,3.95,"","","","");
+boliglansmatrise[398] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=116225","Storebrand Bank ASA","tag:finansportalen.no,2011-02-08:feed/bank/produktpakke/129553","F�rstehjemsl�n","Helkunde","etterskudd",1,10,1000,750,"nei","",0,1999999,50,3.84,2000000,"",50,3.65,"","","","","","","","","","","","");
+boliglansmatrise[399] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=213241","Cultura Sparebank","tag:finansportalen.no,2013-03-06:feed/bank/produktpakke/221831","Milj�boligl�n til Shelterhus 85%","L�nnskontobank","etterskudd",1,0,1000,"","nei","",100000,999999,0,3.95,1000000,"",0,3.30,"","","","","","","","","","","","");
+boliglansmatrise[400] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46637","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-05-21:feed/bank/produktpakke/189821","Boligl�n for unge","Totalkunde/Hovedbankforbindelse","etterskudd",1,0,1000,900,"nei","",500000,"",30,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[401] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221891","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178073","Bustadl�n for unge ","Grepa brukskonto uten m�nedspris","etterskudd",1,5,1500,500,"nei","",0,3500000,40,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[402] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221888","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178073","Boligl�n innenfor 85% ","Grepa brukskonto uten m�nedspris","etterskudd",1,5,1500,500,"nei","",0,499999,40,5.10,500000,999999,40,4.85,1000000,1499999,40,4.60,1500000,3500000,40,4.35,"","","","");
+boliglansmatrise[403] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=167945","SkagerakDirektebank.no (Bamble og Langesund Sparebank)","tag:finansportalen.no,2012-02-24:feed/bank/produktpakke/178500","Ungdomsl�n inntil 85 % av verdi","Brukskonto med l�nnsinngang","etterskudd",1,2,0,0,"nei","",0,9999999,35,3.54,"","","","","","","","","","","","","","","","");
+boliglansmatrise[404] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49791","Grong Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/179932","Boligl�n innenfor 60%","Brukskonto med l�nnsinngang","etterskudd",1,10,750,0,"nei","",0,999999,35,4.15,1000000,1999999,35,3.85,2000000,"",35,3.70,"","","","","","","","");
+boliglansmatrise[405] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49361","SpareBank 1 SR-Bank","","Fastrentel�n 10 �r","Ingen","etterskudd",1,10,1900,1000,"nei","",0,"",50,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[406] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=180890","Sparebanken �st","","Boligl�n ","Ingen","etterskudd",1,10,750,500,"nei","",50000,"",40,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[407] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46147","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178091","Flexil�n","Brukskonto","etterskudd",1,0,1750,0,"ja","",0,"",60,4.05,"","","","","","","","","","","","","","","","");
+boliglansmatrise[408] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=222797","Sparebanken �st","","Fastrente 5 �r","Ingen","etterskudd",1,5,750,500,"nei","",0,"",40,4.35,"","","","","","","","","","","","","","","","");
+boliglansmatrise[409] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=208471","BN Bank ASA","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178223","Boligl�n 75 %","Brukskonto med l�nnsinngang","etterskudd",1,10,1500,500,"nei","",0,1999999,30,3.95,2000000,"",30,3.75,"","","","","","","","","","","","");
+boliglansmatrise[410] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224223","Totens Sparebank","tag:finansportalen.no,2011-10-28:feed/bank/produktpakke/158858","Boligl�n til unge","TotalKunde","etterskudd",1,0,1500,750,"nei","",0,"",50,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[411] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224572","Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","","Boligkreditt 70%","Ingen","etterskudd",1,10,2500,"","ja","",2000000,"",100,4.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[412] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224687","Nordea (Nordea Bank Norge ASA)","","Boligl�n &lt; 75%","Ingen","etterskudd",1,10,2000,"","nei","",0,999999,50,4.90,1000000,1999999,50,4.55,2000000,"",50,4.55,"","","","","","","","");
+boliglansmatrise[413] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224689","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/1286","Boligl�n Basis &lt; 75%","Basis","etterskudd",1,10,2000,"","nei","",0,999999,50,4.90,1000000,1999999,50,4.55,2000000,"",50,4.55,"","","","","","","","");
+boliglansmatrise[414] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224691","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/856","Boligl�n Fordel &lt; 75%","Fordel","etterskudd",1,10,2000,"","nei","",0,999999,50,4.70,1000000,1999999,50,4.35,2000000,"",50,4.35,"","","","","","","","");
+boliglansmatrise[415] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224693","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/854","Boligl�n Fordel Pluss &lt; 75%","Fordel Pluss","etterskudd",1,10,2000,"","nei","",0,999999,50,4.50,1000000,1999999,50,4.15,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[416] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224695","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2010-06-10:feed/bank/produktpakke/102826","Boligl�n Premium &lt; 75%","Premium","etterskudd",1,10,2000,"","nei","",0,999999,50,4.50,1000000,1999999,50,4.15,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[417] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224697","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2010-06-10:feed/bank/produktpakke/102826","Boligl�n UNG med Premium","Premium","etterskudd",1,10,0,"","nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[418] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49531","Sparebanken Vest","tag:finansportalen.no,2007-12-05:feed/bank/produktpakke/1138","75 % - flytende rente - fordel","Vestavinn","etterskudd",1,10,1000,1000,"nei","",0,499999,40,5.10,500000,999999,40,4.50,1000000,"",40,3.90,"","","","","","","","");
+boliglansmatrise[419] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=183757","Etne Sparebank","tag:finansportalen.no,2009-12-11:feed/bank/produktpakke/1196","F�rsteheimsl�n","Fordelsprogram","etterskudd",1,0,1000,0,"nei","",0,"",30,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[420] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=183751","Etne Sparebank","tag:finansportalen.no,2009-12-11:feed/bank/produktpakke/1196","80% - flytende rente","Fordelsprogram","etterskudd",1,0,1000,"","nei","",0,"",30,4.10,"","","","","","",30,"","","","","","","","","");
+boliglansmatrise[421] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46411","Eiendomskreditt AS","","65% - fast til 2016. Inkluderer gratisfordeler","Ingen","etterskudd",3,5,0,0,"nei","",200000,999999,0,3.90,1000000,"",0,3.80,"","",0,"","","",0,"","","","","");
+boliglansmatrise[422] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46417","Eiendomskreditt AS","","65% - fast til 2022. Inkluderer gratisfordeler","Ingen","etterskudd",3,5,0,0,"nei","",200000,999999,0,5.00,1000000,"",0,4.90,"","",0,"","","",0,"","","","","");
+boliglansmatrise[423] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47101","Sparebanken Hemne","","Boligl�n 80 %","Ingen","etterskudd",1,10,1500,1000,"nei","",0,999999,50,5.05,1000000,1999999,50,4.95,2000000,"",50,4.75,"","","","","","","","");
+boliglansmatrise[424] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47125","Sparebanken Hemne","tag:finansportalen.no,2012-01-29:feed/bank/produktpakke/173015","F�rstehjemsl�n","BSU-sparing","etterskudd",1,10,1500,1000,"nei","",0,"",50,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[425] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=213245","Cultura Sparebank","tag:finansportalen.no,2013-03-06:feed/bank/produktpakke/221831","Milj�boligl�n til Svanemerket hus 85%","L�nnskontobank","etterskudd",1,0,1000,"","nei","",100000,999999,0,4.10,1000000,"",0,3.45,"","","","","","","","","","","","");
+boliglansmatrise[426] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=221893","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178073","Flexil�n ","Grepa brukskonto uten m�nedspris","etterskudd",1,5,1500,500,"ja","",0,3500000,40,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[427] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=188771","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","L�n innanfor 60%","Brukskonto med l�nnsinngang","etterskudd",1,5,750,750,"nei","",0,"",35,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[428] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50063","SkagerakDirektebank.no (Bamble og Langesund Sparebank)","tag:finansportalen.no,2012-02-24:feed/bank/produktpakke/178500","Boligl�n inntil 75 % av verdi","Brukskonto med l�nnsinngang","etterskudd",1,2,0,0,"nei","",0,9999999,35,3.74,"","","","","","","","","","","","","","","","");
+boliglansmatrise[429] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229479","DNB Bank ASA","","Fastrentel�n- 5 �r ","Ingen","etterskudd",1,5,750,1000,"nei","",0,"",50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[430] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229481","DNB Bank ASA","","Fastrentel�n- 10 �r","Ingen","etterskudd",1,5,750,1000,"nei","",0,"",50,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[431] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=165787","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2011-02-18:feed/bank/produktpakke/130131","Fastrentel�n 10 �r","Helkunde","etterskudd",1,10,1000,750,"nei","",0,"",50,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[432] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229612","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","Fastrente 10 �r 75%","Medlem i KLP","etterskudd",1,5,1250,"","nei","",0,9999999,30,4.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[433] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=166710","SpareBank 1 �stfold Akershus","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153094","Boligl�n Ung","BSU-sparing","etterskudd",1,0,1500,1000,"nei","",0,"",35,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[434] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224562","Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","","80% l�n","Ingen","etterskudd",1,1,2500,"","nei","",1000000,"",50,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[435] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224922","Sparebanken S�r","","Flexil�n","Ingen","etterskudd",1,5,3000,0,"ja","",0,999999,50,4.50,1000000,1999999,50,4.25,2000000,"",50,3.85,"","","","","","","","");
+boliglansmatrise[436] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224925","Sparebanken S�r","","F�rstehjemsl�n","Ingen","etterskudd",1,5,3000,0,"nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[437] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46683","Sparebanken Vest","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179890","75 % - fast rente - 5 �r","Brukskonto med l�nnsinngang","etterskudd",1,10,1000,1000,"nei","",250000,"",40,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[438] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46681","Sparebanken Vest","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179890","75% - fast rente - 8 �r","Brukskonto med l�nnsinngang","etterskudd",1,10,1000,1000,"nei","",250000,"",40,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[439] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224677","Nordea (Nordea Bank Norge ASA)","","Boligkreditt","Ingen","etterskudd",1,10,2000,"","ja","",100000,999999,50,5.00,1000000,1999999,50,4.65,2000000,"",50,4.65,"","","","","","","","");
+boliglansmatrise[440] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224681","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/856","Boligkreditt Fordel","Fordel","etterskudd",1,10,2000,"","ja","",200000,999999,50,4.80,1000000,1999999,50,4.45,2000000,"",50,4.45,"","","","","","","","");
+boliglansmatrise[441] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224683","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/854","Boligkreditt Fordel Pluss","Fordel Pluss","etterskudd",1,10,2000,"","ja","",200000,999999,50,4.60,1000000,1999999,50,4.25,2000000,"",50,3.90,"","","","","","","","");
+boliglansmatrise[442] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224685","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2010-06-10:feed/bank/produktpakke/102826","Boligkreditt Premium","Premium","etterskudd",1,10,2000,"","ja","",100000,999999,50,4.60,1000000,1999999,50,4.25,2000000,"",50,3.90,"","","","","","","","");
+boliglansmatrise[443] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224917","Sparebanken S�r","","Boligl�n","Ingen","etterskudd",1,5,3000,0,"nei","",0,999999,50,4.60,1000000,1999999,50,4.05,2000000,"",50,3.85,"","","","","","","","");
+boliglansmatrise[444] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182521","Vang Sparebank","tag:finansportalen.no,2009-12-02:feed/bank/produktpakke/1190","Ubekymra 80%","Ubekymra","etterskudd",1,5,1500,500,"nei","",0,499999,35,4.40,500000,999999,35,3.95,1000000,1999999,35,3.70,2000000,"",35,3.60,"","","","");
+boliglansmatrise[445] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=174662","Bjugn Sparebank","tag:finansportalen.no,2008-01-11:feed/bank/produktpakke/616","Boligl�n","Voksen","etterskudd",1,10,1500,500,"nei","",0,"",40,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[446] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182518","Vang Sparebank","tag:finansportalen.no,2012-02-28:feed/bank/produktpakke/178651","Boligl�n 80 %","Brukskonto med l�nnsinngang","etterskudd",1,5,1500,500,"nei","",0,499999,35,5.20,500000,999999,35,5.00,1000000,1999999,35,4.45,2000000,"",35,4.20,"","","","");
+boliglansmatrise[447] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=112667","Rindal Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178419","Boligl�n 60%","Brukskonto med l�nnsinngang","etterskudd",1,0,500,500,"nei","",500000,"",40,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[448] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46543","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Flexil�n","Hovedkunde","etterskudd",1,20,3000,500,"ja","",0,999999,75,4.70,1000000,1999999,75,4.10,2000000,"",75,3.80,"","","","","","","","");
+boliglansmatrise[449] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46539","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Livsl�psl�n","Hovedkunde","etterskudd",1,30,3000,500,"nei","",0,999999,50,4.70,1000000,1999999,50,4.10,2000000,"",50,3.80,"","","","","","","","");
+boliglansmatrise[450] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49485","Lillesands Sparebank","tag:finansportalen.no,2011-09-05:feed/bank/produktpakke/149726","Boligsparing - BSU","BSU-sparing","etterskudd",1,0,1000,750,"nei","",0,1999999,30,3.75,2000000,"",30,3.50,"","","","","","","","","","","","");
+boliglansmatrise[451] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224945","Kl�bu Sparebank","tag:finansportalen.no,2011-10-16:feed/bank/produktpakke/178358","F�rstehjemsl�n","BSU &amp; l�nnskonto","etterskudd",1,10,1750,750,"nei","",1,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[452] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224949","Kl�bu Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178349","Terra Boligkreditt 60%","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,750,"nei","",0,1999999,35,4.10,2000000,"",35,3.85,"","","","","","","","","","","","");
+boliglansmatrise[453] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182627","Skandiabanken","","Boligkreditt","Ingen","etterskudd",1,0,0,0,"ja","",100000,"",0,3.735,"","","","","","","","","","","","","","","","");
+boliglansmatrise[454] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224957","Kl�bu Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178349","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,50,1750,750,"ja","",0,1999999,35,4.55,2000000,"",35,4.35,"","","","","","","","","","","","");
+boliglansmatrise[455] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46567","SpareBank 1 SMN","tag:finansportalen.no,2012-05-04:feed/bank/produktpakke/188706","Boligl�n","LO-fav�r","etterskudd",1,5,1950,0,"nei","",1000000,1999999,40,4.20,2000000,2999999,40,3.90,3000000,"",40,3.90,"","","","","","","","");
+boliglansmatrise[456] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46465","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2011-02-24:feed/bank/produktpakke/130640","BAU - Boligl�n Aktiv Ung","Oppdal Aktiv Ung 18:34","etterskudd",1,0,1000,600,"nei","",0,"",35,3.55,"","","","","","","","","","","","","","","","");
+boliglansmatrise[457] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=208854","Valle Sparebank","","1. prioritet pantel�n bustad","Ingen","etterskudd",1,0,2000,500,"nei","",0,"",35,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[458] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129869","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","L�n innanfor 60% Eika Boligkreditt","Brukskonto med l�nnsinngang","etterskudd",1,5,750,750,"nei","",0,"",35,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[459] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=188768","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129863","L�n innanfor 60% Eika Boligkreditt ISSB Total","ISSB Total","etterskudd",1,5,750,750,"nei","",0,"",35,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[460] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229622","KLP Banken AS","","Litt Extra, Seniorl�n for de over 60 �r","Ingen","etterskudd",1,30,2000,"","ja","",0,9999999,0,5.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[461] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159841","Storebrand Bank ASA","tag:finansportalen.no,2011-02-08:feed/bank/produktpakke/129553","75 % Boligl�n fast rente 10 �r","Helkunde","etterskudd",1,10,1000,750,"nei","",200000,10000000,50,5.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[462] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=159845","Storebrand Bank ASA","tag:finansportalen.no,2011-02-08:feed/bank/produktpakke/129553","75 % Boligl�n fast rente 5 �r","Helkunde","etterskudd",1,10,1000,750,"nei","",200000,10000000,50,4.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[463] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229709","Vik Sparebank","tag:finansportalen.no,2013-01-30:feed/bank/produktpakke/218208","Bustadl�n 60% total","Totalkunde","etterskudd",1,5,1200,"","nei","",0,"",30,3.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[464] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229711","Vik Sparebank","tag:finansportalen.no,2013-01-30:feed/bank/produktpakke/218200","Bustadl�n 60%","Brukskonto","etterskudd",1,5,1200,"","nei","",0,"",30,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[465] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46741","Time Sparebank","","Flexil�n","Ingen","etterskudd",1,0,2500,250,"ja","",2000000,"",40,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[466] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182615","Skandiabanken","","Boligl�n 85 %","Ingen","etterskudd",1,20,0,0,"nei","",100000,1999999,0,3.977,2000000,"",0,3.687,"","","","","","","","","","","","");
+boliglansmatrise[467] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46233","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 60% 5 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[468] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46173","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 80% 3 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[469] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=183754","Etne Sparebank","tag:finansportalen.no,2009-12-11:feed/bank/produktpakke/1196","Flexil�n","Fordelsprogram","etterskudd",1,10,1000,"","ja",0.017,0,"",50,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[470] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50413","SpareBank 1 Ringerike Hadeland","tag:finansportalen.no,2012-05-10:feed/bank/produktpakke/153044","BSU-l�n","BSU-sparing","etterskudd",1,0,750,1250,"nei","",1,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[471] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49369","Stadsbygd Sparebank","tag:finansportalen.no,2013-02-11:feed/bank/produktpakke/220878","Boligl�n &lt;60 % (boligkreditt)","Brukskonto med l�nnsinngang ","etterskudd",1,10,1000,500,"nei","",0,"",35,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[472] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=226925","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","Flexil�n 70 %","Brukskonto med l�nnsinngang","etterskudd",1,5,750,750,"ja","",0,"",0,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[473] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48845","Danske Bank","tag:finansportalen.no,2012-05-08:feed/bank/produktpakke/189070","Boligl�n 75 % ","Aktiv dagligbank","etterskudd",1,0,1200,1000,"nei","",0,"",45,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[474] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=144116","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Fastrentel�n 10 �rs binding","Hovedkunde","etterskudd",1,5,3000,500,"nei","",0,"",50,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[475] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=144112","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Fastrentel�n 3 �rs binding","Hovedkunde","etterskudd",1,5,3000,500,"nei","",0,"",50,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[476] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=144114","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Fastrentel�n 5 �rs binding","Hovedkunde","etterskudd",1,5,3000,500,"nei","",0,"",50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[477] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=230636","Vestre Slidre Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179611","BLU - boligl�n ungdom","BSU &amp; l�nnskonto","etterskudd",1,0,1000,500,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[478] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48129","Arendal og Omegns Sparekasse","tag:finansportalen.no,2009-10-13:feed/bank/produktpakke/1164","Flexil�n","Brukskonto","etterskudd",1,0,1000,500,"ja","",0,"",50,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[479] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142862","Odal Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179620","60% - Flytende","Brukskonto med l�nnsinngang","etterskudd",1,5,1750,500,"nei","",0,999999,35,4.85,1000000,1999999,35,4.35,2000000,"",35,4.00,"","","","","","","","");
+boliglansmatrise[480] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46549","Bien Sparebank AS","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/900","Boligl�n innenfor 85 % - flytende renter","BienPluss","etterskudd",1,5,1000,1000,"nei","",0,999999,35,4.25,1000000,1999999,35,4.00,2000000,"",35,3.80,"","","","","","","","");
+boliglansmatrise[481] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=216458","Sparebanken S�r","","Fastrentel�n 10 �r","Ingen","etterskudd",1,0,3000,0,"nei","",0,999999,50,6.15,1000000,1999999,50,5.60,2000000,"",50,5.30,"","","","","","","","");
+boliglansmatrise[482] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182524","Vang Sparebank","tag:finansportalen.no,2009-12-02:feed/bank/produktpakke/178759","Ubekymra f�rstehjemsl�n inntil 85 %","Ubekymra etablert eller f�rstehjemsl�ner","etterskudd",1,5,1500,500,"nei","",0,"",35,3.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[483] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182527","Vang Sparebank","tag:finansportalen.no,2009-12-02:feed/bank/produktpakke/1190","Ubekymra over 80 %","Ubekymra","etterskudd",1,5,1500,500,"nei","",0,499999,35,5.00,500000,999999,35,4.50,1000000,1999999,35,4.45,2000000,"",35,4.40,"","","","");
+boliglansmatrise[484] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182607","Skandiabanken","","Boligl�n 75 %","Ingen","etterskudd",1,20,0,0,"nei","",100000,1999999,0,3.735,2000000,"",0,3.445,"","","","","","","","","","","","");
+boliglansmatrise[485] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=156445","Marker Sparebank","tag:finansportalen.no,2012-02-23:feed/bank/produktpakke/178437","Slusel�n (rammel�n)","Brukskonto med l�nnsinngang","etterskudd",1,5,1000,500,"ja","",200000,2000000,50,4.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[486] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=216769","SpareBank 1 S�re Sunnm�re","","Bustadl�n Ung","Ingen","etterskudd",1,0,1500,500,"nei","",0,"",50,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[487] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46231","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 80% 10 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,5.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[488] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224953","Kl�bu Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178349","70%-l�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,750,"nei","",0,1999999,35,4.55,2000000,"",35,4.35,"","","","","","","","","","","","");
+boliglansmatrise[489] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=224960","Kl�bu Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178349","85%-l�n","Brukskonto med l�nnsinngang","etterskudd",1,10,1750,750,"nei","",0,1999999,35,4.90,2000000,"",35,4.75,"","","","","","","","","","","","");
+boliglansmatrise[490] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48917","Sparebanken Pluss","tag:finansportalen.no,2008-04-10:feed/bank/produktpakke/1056","Nedbetalingsl�n 75%","Plusskunde Total","etterskudd",1,0,2000,1000,"nei","",0,999999,35,4.60,1000000,1999999,35,4.20,2000000,"",35,3.90,"","","","","","","","");
+boliglansmatrise[491] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48913","Sparebanken Pluss","tag:finansportalen.no,2008-04-10:feed/bank/produktpakke/1056","Flexil�n 70%","Plusskunde Total","etterskudd",1,0,2000,1000,"ja","",500000,999999,35,4.65,1000000,1999999,35,4.25,2000000,"",35,3.95,"","","","","","","","");
+boliglansmatrise[492] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47075","Eiendomskreditt AS","","65% - flytende. Inkluderer gratisfordeler","Ingen","etterskudd",3,5,0,0,"nei","",200000,999999,0,4.30,1000000,1999999,0,4.05,2000000,"",0,3.80,"","",0,"","","","","");
+boliglansmatrise[493] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46307","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2012-05-10:feed/bank/produktpakke/173937","F�rstehjemsl�n - flytende innenfor 85%","Xtrm 18 - 30","etterskudd",1,5,1250,1250,"nei","",100000,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[494] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=167943","SkagerakDirektebank.no (Bamble og Langesund Sparebank)","tag:finansportalen.no,2012-02-24:feed/bank/produktpakke/178500","Boligl�n innenfor 85 % av verdi","Brukskonto med l�nnsinngang","etterskudd",1,2,0,0,"nei","",0,9999999,35,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[495] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46109","Grong Sparebank","tag:finansportalen.no,2010-05-04:feed/bank/produktpakke/482","F�rstehjemsl�n","F�rstehjemsl�n","etterskudd",1,10,750,0,"nei","",0,999999,50,3.95,1000000,1999999,50,3.65,2000000,"",50,3.65,"","","","","","","","");
+boliglansmatrise[496] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46595","Eidsberg Sparebank","tag:finansportalen.no,2012-09-14:feed/bank/produktpakke/201373","Aktiv Ekstra 60%","Aktiv Ekstra","etterskudd",1,10,1500,500,"nei","",500000,999999,50,4.50,1000000,1999999,50,4.15,2000000,"",50,3.85,"","","","","","","","");
+boliglansmatrise[497] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=226978","Tr�gstad Sparebank","","Boligl�n opp til 2 mill.","Ingen","etterskudd",1,10,1000,500,"nei","",0,1999999,35,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[498] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=226955","Tr�gstad Sparebank","","Flexil�n","Ingen","etterskudd",1,5,1000,500,"ja","",0,1500000,50,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[499] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182866","Bamble og Langesund Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/180058","Boligl�n 75%","Brukskonto med l�nnsinngang","etterskudd",1,10,1000,900,"nei","",0,999999,35,4.44,1000000,1999999,35,4.04,2000000,"",35,3.79,"","","","","","","","");
+boliglansmatrise[500] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182863","Bamble og Langesund Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/180058","Flexil�n 70%","Brukskonto med l�nnsinngang","etterskudd",1,5,1000,900,"ja","",0,999999,75,4.64,1000000,1999999,75,4.24,2000000,"",75,3.99,"","","","","","","","");
+boliglansmatrise[501] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182858","Bamble og Langesund Sparebank","tag:finansportalen.no,2012-03-09:feed/bank/produktpakke/180058","Ungdomsl�n 85%","Brukskonto med l�nnsinngang","etterskudd",1,2,1000,900,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[502] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=117441","KLP Banken AS","","Boligl�n - 85% - flytende","Ingen","etterskudd",1,0,2000,"","nei","",0,999999,50,4.50,1000000,1999999,50,4.40,2000000,"",50,4.30,"","","","","","","","");
+boliglansmatrise[503] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46787","OBOS L�n &amp; Spar (Oslo Bolig og Sparelag)","tag:finansportalen.no,2010-03-10:feed/bank/produktpakke/528","75% - l�n","Medlemsskap i OBOS","etterskudd",1,0,950,0,"nei","",0,499999,35,4.25,500000,999999,35,3.85,1000000,1999999,35,3.70,2000000,"",35,3.45,"","","","");
+boliglansmatrise[504] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46841","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Fastrentel�n 70% 5 �r","Brukskonto","etterskudd",1,5,2000,0,"nei","",0,"",35,4.20,"","","","","","","","","","","","","","","","");
+boliglansmatrise[505] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=229717","Vik Sparebank","tag:finansportalen.no,2013-01-30:feed/bank/produktpakke/218200","Bustadl�n 85%","Brukskonto","etterskudd",1,5,1200,"","nei","",0,"",30,4.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[506] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46175","Spydeberg Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179647","Boligl�n 60 %","Brukskonto med l�nnsinngang","etterskudd",1,0,1500,0,"nei","",0,"",35,3.95,"","","","","","","","","","","","","","","","");
+boliglansmatrise[507] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46739","Spydeberg Sparebank","tag:finansportalen.no,2012-03-08:feed/bank/produktpakke/179647","Flexil�n","Brukskonto med l�nnsinngang","etterskudd",1,0,500,600,"ja","",0,"",35,4.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[508] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46123","Spydeberg Sparebank","tag:finansportalen.no,2012-11-14:feed/bank/produktpakke/208773","F�rstehjemsl�n Aktiv Ung Bolig","Hovedbank","etterskudd",1,10,500,600,"nei","",0,"",35,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[509] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=187878","Aasen Sparebank","tag:finansportalen.no,2013-01-03:feed/bank/produktpakke/212788","60 % l�n","Brukskonto med l�nnsinngang","etterskudd",1,10,700,600,"nei","",2000000,"",35,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[510] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142875","Odal Sparebank","tag:finansportalen.no,2011-10-14:feed/bank/produktpakke/156956","Boligl�n for unge under 34 �r","BSU-sparing","etterskudd",1,5,1750,500,"nei","",0,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[511] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46527","Bien Sparebank AS","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/900","BienRammel�n 70%","BienPluss","etterskudd",1,10,1000,1000,"ja","",0,999999,50,4.35,1000000,1999999,50,4.10,2000000,"",50,3.90,"","","","","","","","");
+boliglansmatrise[512] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=182552","SpareBank 1 Gudbrandsdal","","75% Privat Ekstra Boligkreditt","Ingen","etterskudd",1,5,1500,800,"nei","",0,999999,30,4.55,1000000,1999999,30,4.05,2000000,"",30,3.75,"","","","","","","","");
+boliglansmatrise[513] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=216460","Sparebanken S�r","","Fastrentel�n 3 �r","Ingen","etterskudd",1,0,3000,0,"nei","",0,999999,50,5.05,1000000,1999999,50,4.50,2000000,"",50,4.20,"","","","","","","","");
+boliglansmatrise[514] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47023","Gjerstad Sparebank","tag:finansportalen.no,2012-09-14:feed/bank/produktpakke/201427","Boligl�n Terra boligkreditt","Brukskonto med l�nnsinngang","etterskudd",1,10,1000,500,"nei","",1500000,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[515] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49567","Harstad Sparebank","tag:finansportalen.no,2008-06-10:feed/bank/produktpakke/656","F�rstehjemsl�n","AKTIV UNG","etterskudd",1,10,2000,"","nei","",0,"",50,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[516] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46473","Statens Pensjonskasse","tag:finansportalen.no,2009-09-01:feed/bank/produktpakke/1140","Boligl�n inntil 80 %","medlemsfordel statsansatte","etterskudd",1,5,1700,"","nei","",0,1700000,30,2.227,"","","","","","","","","","","","","","","","");
+boliglansmatrise[517] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=45997","Voss Veksel- og Landmandsbank ASA","tag:finansportalen.no,2011-01-24:feed/bank/produktpakke/178551","Bustadl�n innanfor 60%","Brukskonto med l�nnsinngang","etterskudd",1,5,1000,0,"nei","",0,"",15,3.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[518] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=189251","Nesset Sparebank","tag:finansportalen.no,2013-01-02:feed/bank/produktpakke/212707","F�rstehjemsl�n","BSU","etterskudd",1,1,1500,500,"nei","",0,"",50,3.65,"","","","","","","","","","","","","","","","");
+boliglansmatrise[519] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=189248","Nesset Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/1188","80 % boligl�n","Totalkunde","etterskudd",1,1,1500,500,"nei","",0,"",50,4.30,"","","","","","","","","","","","","","","","");
+boliglansmatrise[520] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=189245","Nesset Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/1188","60 % boligl�n","Totalkunde","etterskudd",1,1,1500,500,"nei","",0,"",50,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[521] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=153075","Str�mmen Sparebank","tag:finansportalen.no,2012-05-19:feed/bank/produktpakke/189743","1. prioritet innenfor 60% Terra Boligkreditt","Konto med l�nnsinngang","etterskudd",1,0,1500,"","nei","",100000,"",35,3.60,"","","","","","","","","","","","","","","","");
+boliglansmatrise[522] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=48153","Luster Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/704","F�rsteheimsl�n","nettobank ungdom","etterskudd",1,5,1000,500,"nei","",0,749999,35,3.95,750000,1499999,35,3.75,1500000,"",35,3.50,"","","","","","","","");
+boliglansmatrise[523] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=123223","Luster Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/706","Fleksil�n","Nettobank","etterskudd",1,5,1000,500,"ja","",1,749999,50,4.15,750000,1499999,50,3.85,1500000,"",50,3.60,"","","","","","","","");
+boliglansmatrise[524] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47137","Sunndal Sparebank","tag:finansportalen.no,2011-04-11:feed/bank/produktpakke/135379","F�rstehjemsl�n","Helkundeforhold","etterskudd",1,5,1800,900,"nei","",0,"",40,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[525] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46643","Sunndal Sparebank","tag:finansportalen.no,2011-04-11:feed/bank/produktpakke/135379","Rammel�n","Helkundeforhold","etterskudd",1,0,2200,900,"ja","",0,"",40,3.40,"","","","","","","","","","","","","","","","");
+boliglansmatrise[526] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=145197","SpareBank 1 SMN","","Fastrentel�n 10 �r","Ingen","etterskudd",1,5,1950,"","nei","",1000000,"",40,5.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[527] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=131063","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","Smartl�n Ung","Hovedkunde","etterskudd",1,5,3000,500,"nei","",0,999999,50,4.60,1000000,"",50,3.60,"","","","","","","","","","","","");
+boliglansmatrise[528] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46217","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Ordin�rt l�n 80 % - flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",100,4.42,"","","","","","","","","","","","","","","","");
+boliglansmatrise[529] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46229","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","Fastrente 80% 7 �r","Brukskonto med l�nnsinngang","etterskudd",1,0,750,1000,"nei","",0,"",50,4.85,"","","","","","","","","","","","","","","","");
+boliglansmatrise[530] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=183748","Etne Sparebank","tag:finansportalen.no,2009-12-11:feed/bank/produktpakke/1196","60% - flytende rente","Fordelsprogram","etterskudd",1,0,1000,0,"nei","",0,"",30,4.10,"","","","","","","","","","","","","","","","");
+boliglansmatrise[531] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46537","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/196258","Boligl�n","Helkunde Privat Ekstra","etterskudd",1,3,1500,0,"nei","",0,1200000,25,4.45,1200000,2000000,25,4.35,2000000,"",25,3.80,"","","","","","","","");
+boliglansmatrise[532] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=129881","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","Flexil�n 60 %","Brukskonto med l�nnsinngang","etterskudd",1,5,750,750,"ja","",0,"",0,4.45,"","","","","","","","","","","","","","","","");
+boliglansmatrise[533] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=226970","Tr�gstad Sparebank","","Boligl�n l�n over 2 mill","Ingen","etterskudd",1,10,1000,500,"nei","",2000000,"",35,3.80,"","","","","","","","","","","","","","","","");
+boliglansmatrise[534] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46825","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","Fastrentel�n 70% 10 �r","Brukskonto","etterskudd",1,5,2000,0,"nei","",0,"",35,4.75,"","","","","","","","","","","","","","","","");
+boliglansmatrise[535] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=142075","Vik Sparebank","tag:finansportalen.no,2013-01-30:feed/bank/produktpakke/218200","Fleksil�n 60%","Brukskonto","etterskudd",1,5,1200,0,"ja","",0,"",100,4.00,"","","","","","","","","","","","","","","","");
+boliglansmatrise[536] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=46703","Time Sparebank","","Boligl�n","Ingen","etterskudd",1,10,2500,250,"nei","",2000000,"",40,3.70,"","","","","","","","","","","","","","","","");
+boliglansmatrise[537] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=216789","Boligkreditt.no (Sparebanken �st Boligkreditt AS)","","Boligl�n 70 %","Ingen","etterskudd",1,5,0,0,"nei","",0,1999999,0,3.54,2000000,6000000,0,3.34,"","","","","","","","","","","","");
+boliglansmatrise[538] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=187853","Aasen Sparebank","tag:finansportalen.no,2012-05-11:feed/bank/produktpakke/189331","Aktivl�n","Aktivkunde","etterskudd",1,0,700,600,"ja","",0,"",50,4.25,"","","","","","","","","","","","","","","","");
+boliglansmatrise[539] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=47885","Luster Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/706","Bustadl�n","Nettobank","etterskudd",1,5,1000,500,"nei","",1,749999,35,4.15,750000,1499999,35,3.95,1500000,"",35,3.70,"","","","","","","","");
+boliglansmatrise[540] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=50269","Bjugn Sparebank","tag:finansportalen.no,2008-01-11:feed/bank/produktpakke/616","Boligkreditt","Voksen","etterskudd",1,0,1500,500,"ja","",0,"",60,3.90,"","","","","","","","","","","","","","","","");
+boliglansmatrise[541] = new Array("http://www.finansportalen.no/Bank/Boligl%C3%A5n/Boligl%C3%A5n+produktdetaljer?key=49017","B� Sparebank","tag:finansportalen.no,2012-11-29:feed/bank/produktpakke/209210","60% flytende rente","Brukskonto med l�nnsinngang","etterskudd",1,0,1500,"","nei","",2000000,"",40,3.45,"","","","","","","","","","","","","","","","");
diff --git a/JS scripts/compareSunLaanFreeLoan.html b/JS scripts/compareSunLaanFreeLoan.html
new file mode 100644
index 0000000..b063d0d
--- /dev/null
+++ b/JS scripts/compareSunLaanFreeLoan.html	
@@ -0,0 +1,349 @@
+<!DOCTYPE html>
+<html>
+<head>
+<meta charset="UTF-8">
+<title>FreeLoan SunLaan comparison tool</title>
+<script src="jquery-2.0.3.min.js"></script>
+<style>
+h4 {
+    margin-top: 60px;
+    margin-bottom: 0;
+}
+
+h4:first-child {
+    margin-top: 0;
+}
+
+.notInSet {
+    background-color: red;
+}
+
+.resultContainer > div {
+    margin-top: 30px;
+    background-color: #CCC;
+}
+
+.resultContainer > div > div:first-child {
+    font-weight: bold;
+    margin-bottom: 15px;
+    font-size: 19px;
+}
+
+.resultsTable td, .resultsTable th {
+    padding: 3px 15px;
+    width: 183px;
+}
+
+.removeResults {
+    float: right;
+    display: block;
+}
+</style>
+
+<script type="text/javascript">
+$(function() {
+    var testDomain = "localhost:8080";
+    var base = "/services/kalkulator/";
+    
+    $("#mortgage").submit(function() {
+        var url = getMortgageLink($(this).serialize());
+        compareJsons(url, "boliglan", doDiffMortgages);
+        return false;
+    });
+    
+    $("#smallLoan").submit(function() {
+        var url = getSmallLoanLink($(this).serialize());
+        compareJsons(url, "smalan", doDiffSmallLoans);
+        return false;
+    });
+    
+    $("#creditCard").submit(function() {
+        var url = getCreditCardLink($(this).serialize());
+        compareJsons(url, "kredittkort", doDiffCreditCards);
+        return false;
+    });
+    
+    
+    function getMortgageLink(formValues) {
+        return base +
+             "boliglan?howManyRoads=" + new Date().getTime() + "&kalkulatortype=laan&laan_type=bolig" +
+             "&rente=flytende_rente&rentebindingAr=&avdragsfrihet=utenAvdragsfrihet&avdragsfrihetAr=&standardlan=ja&rammelan=ja&forstehjemslan=ja&rentetak=ja" +
+             "&visProduktpakker=ja&visUtenProduktpakker=ja&nasjonalt=ja&regionalt=ja&fastrente1_3=ja&fastrente3_5=ja" +
+             "&fastrente5_10=ja&fastrente10=ja&" + formValues;
+    }
+    
+    
+    function getSmallLoanLink(formValues) {
+        return base + "smalan?howManyRoads=" + new Date().getTime() + "&kalkulatortype=laan&billan=ja&billankaskofritt=ja&sikretBillan=ja&klimaBillan=ja" + 
+                "&under7mBatlan=ja&over7mBatlan=ja&forbrukslan=ja&visProduktpakker=ja&visUtenProduktpakker=ja&nasjonalt=ja&regionalt=ja&" + formValues;
+    }
+    
+    function getCreditCardLink(formValues) {
+        return base + "kredittkort?howManyRoads=" + new Date().getTime() + "&kalkulatortype=kredittkort&populertBruksmonster=&populertGrunndata=" +
+                "&uttak_egen_bank_i_apningstid=0&uttak_egen_bank_etter_apningstid=1&uttak_annen_bank_i_apningstid=0&uttak_annen_bank_etter_apningstid=0" +
+                "&uttak_butikk=0&varekjop=10&uttak_utland=1&varekjop_utland=3&reiseforsikring=ja&andreFordeler=ja&visProduktpakker=ja&visUtenProduktpakker=ja" +
+                "&nasjonalt=ja&regionalt=ja&" + formValues;
+    }
+    
+    
+    
+    function compareJsons(url, product, diffFunction) {
+        var protocol = "http://";
+        var productionData = null;
+        var testData = null;
+        
+        $(".resultContainer").empty();
+        
+        $.getJSON(protocol + testDomain + base + product + "/foreign?url=" + encodeURIComponent(url), function(data) {
+            productionData = data;
+            if(testData != null) {
+                diffFunction(productionData, testData, product);
+            }
+        });
+        
+        $.getJSON(protocol + testDomain + url, function(data) {
+            testData = data;
+            if(productionData != null) {
+                diffFunction(productionData, testData, product);
+            }
+        });
+    }
+    
+    function doDiffMortgages(productionData, testData, product) {
+        doDiff(productionData, testData, "mortgageResults", product, "effektivRente", "mndbelop", "totalkostnad");
+    }
+    
+    function doDiffSmallLoans(productionData, testData, product) {
+        doDiff(productionData, testData, "smallLoanResults", product, "effektivRente", "mndBelop", "totaleKostnader");
+    }
+    
+    function doDiffCreditCards(productionData, testData, product) {
+        doDiff(productionData, testData, "creditCardResults", product, "effektiv_rente", "mndBelop", "totaltInnbetalt");
+    }
+    
+    function doDiff(productionData, testData, resultDivId, product, effInterestRate, monthlyPayment, totalPayment) {
+        
+        var testMap = {};
+        
+        $.each(testData.data, function () {
+            testMap[getProductId(this[product].href)] = this;
+        });
+        
+        $.each(productionData.data, function () {
+            var id = getProductId(this[product].href);
+            var $container = addResultContainer(resultDivId, this[product].produktnavn, id);
+            if(!(id in testMap)) {
+                notInTestResultSet($container);
+            } else {
+                testProduct = testMap[id];
+                
+                var $tbody = addResultHeader($container);
+                
+                if(product != "kredittkort") {
+	                var totalMonthCountThis = getTotalMonthCount(this["lopetidAr"], this["lopetidMnd"]);
+	                var totalMonthCountTest = getTotalMonthCount(testProduct["lopetidAr"], testProduct["lopetidMnd"]);
+                }
+                
+                var thisNominalPercentage = null;
+                var testNominalPercentage = null;
+                var nominellRente = "nominellRente";
+                
+                
+                if(nominellRente in this) {
+                    thisNominalPercentage = this[nominellRente];
+                    testNominalPercentage = testProduct[nominellRente];
+                } else if (nominellRente in this[product]) {
+                    thisNominalPercentage = this[product][nominellRente];
+                    testNominalPercentage = testProduct[product][nominellRente];
+                }
+                
+                if(thisNominalPercentage != null) {
+                    addResultRow($tbody, "Nominal percentage", formatNumber(thisNominalPercentage), formatNumber(testNominalPercentage));
+                }
+                
+                addResultRow($tbody, "Effective interest rate", formatNumber(this[effInterestRate]), formatNumber(testProduct[effInterestRate]));
+                if(product != "kredittkort") {
+                    addResultRow($tbody, "Months to pay", totalMonthCountThis, totalMonthCountTest);
+                }
+                addResultRow($tbody, "Monthly payment", formatNumber(this[monthlyPayment]), formatNumber(testProduct[monthlyPayment]));
+                addResultRow($tbody, "Total payment", formatNumber(this[totalPayment]), formatNumber(testProduct[totalPayment]));
+                
+                delete testMap[id];
+            }
+        });
+        
+        $.each(testMap, function (id, value) {
+            $container = addResultContainer(resultDivId, value[product].produktnavn, id);
+            notInProductionResultSet($container);
+        });
+    }
+    
+    function getTotalMonthCount(yearCount, monthCount) {
+        return parseInt(yearCount) * 12 + parseInt(monthCount);
+    }
+    
+    function addResultContainer(divId, productName, productId) {
+        var $container = $("<div>").append($("<div>").text("Name: " + productName + "; Id: " + productId));
+        $container.append($("<a>").attr("href", "#").addClass("removeResults").text("Remove all results"));
+        $("#" + divId).append($container);
+        return $container;
+    }
+    
+    function addResultHeader($container) {
+        $table = $("<table>").addClass("resultsTable").append(
+                      $("<tbody>").append(
+                              $("<tr>").append($("<th>").text("Property")
+                                      ).append($("<th>").text("Production")
+                                      ).append($("<th>").text("Test")
+                                      ).append($("<th>").text("Difference"))));
+        $container.append($table);
+        return $table.find("tbody");
+    }
+    
+    function addResultRow($tbody, propertyName, productionValue, testValue) {
+        $row = $("<tr>")
+        $row.append($("<td>").text(propertyName));
+        $row.append($("<td>").text(toFixed(productionValue)));
+        $row.append($("<td>").text(toFixed(testValue)));
+        $row.append($("<td>").text(toFixed(productionValue - testValue)));
+        $tbody.append($row);
+    }
+    
+    function toFixed(value) {
+        return parseFloat(value).toFixed(3);
+    }
+    
+    function notInTestResultSet($container) {
+        notInSet($container, "Not in a test result set");
+    }
+    
+    function notInProductionResultSet($container) {
+        notInSet($container, "Not in a production result set");
+    }
+    
+    function notInSet($container, text) {
+        $container.append($("<div>").addClass("notInSet").text(text));
+    }
+    
+    function formatNumber(number) {
+        return number.replace(",", ".").replace(/\s|%/g, "");
+    }
+    
+    function getProductId(url) {
+        var regexp = /\d+$/;
+        return "$" + regexp.exec(url);
+    }
+    
+    
+    
+    $(document).on("click", ".removeResults", function () {
+        $(".resultContainer").empty();
+    });
+    
+});
+</script>
+
+</head>
+<body>
+    <h4>Boliglån</h4>
+    <form action="" method="GET" id="mortgage">
+        <div class="calcInput">
+            <div>
+                Lånebeløp <input type="text" name="lanebelop">
+            </div>
+            <div>
+                Boligverdi <input type="text" name="kjopesum">
+            </div>
+            <div>
+                <input type="radio" name="lopetidtermin" value="m_lopetid" checked="checked">Løpetid <input type="radio" value="m_terminbelop"
+                    name="lopetidtermin">Terminbeløp
+            </div>
+            <div>
+                <input type="text" name="lopetidtermin_value">
+            </div>
+            <div>
+                <input type="radio" checked="checked" value="annuitet" name="nedbetaling"> Annuitet
+                <input type="radio" value="serie" name="nedbetaling"> Serie
+            </div>
+            <div>
+                Alde (frivillige felt) <input type="text" name="alderstilbudAr"> <input type="checkbox" value="ja" name="pensjonist"> Pensjonist
+            </div>
+            <div>
+                <input type="submit" value="Sammenlign">
+            </div>
+        </div>
+    </form>
+
+    <div id="mortgageResults" class="resultContainer"></div>
+
+    
+    <h4>Smålån</h4>
+    <form action="" method="GET" id="smallLoan">
+        <div class="calcInput">
+            <div>
+                Jeg vil låne til
+                <select name="lanetype">
+                    <option value="bil">Ny bil</option>
+                    <option value="bat">Ny båt</option>
+                    <option value="caravan">Ny caravan</option>
+                    <option value="mc">Ny MC</option>
+                    <option value="forbruk">Annet</option>
+                </select>
+            </div>
+            <div>
+                Lånebeløp <input type="text" name="lanebelop">
+            </div>
+            <div>
+                Kjøpesum <input type="text" name="kjopesum">
+            </div>
+            <div>
+                <input type="radio" value="m_lopetid" name="lopetidtermin" checked="checked"> Løpetid
+                <input type="radio" value="m_terminbelop" name="lopetidtermin"> Terminbeløp
+            </div>
+            <div>
+                <input type="text" name="lopetidtermin_value">
+                <select name="periode">
+                    <option value="Måneder">Måneder</option>
+                    <option value="År">År</option>
+                </select>
+            </div>
+            <div>
+                Alder (frivillige felt)
+                <input type="text" name="alderstilbudAr">
+                <input type="checkbox" name="student" value="ja"> Student
+            </div>
+            <div>
+                <input type="submit" value="Sammenlign">
+            </div>
+        </div>
+
+        <div id="smallLoanResults" class="resultContainer"></div>
+    </form>
+
+
+
+    <h4>Kredittkort</h4>
+    <form action="" method="GET" id="creditCard">
+        <div class="calcInput">
+            <div>
+                Beløp pr gang <input type="text" name="grunndata_belop">
+            </div>
+            <div>
+                <input type="radio" value="m_lopetid" name="lopetidtermin" checked="checked"> Løpetid
+                <input type="radio" value="m_terminbelop" name="lopetidtermin"> Terminbeløp
+            <div>
+                <input type="text" name="lopetidtermin_value">
+            </div>
+            </div>
+            <div>
+                Din bruttoinntekt (frivillige felt) <input type="text" name="inntekt">
+            </div>
+            <div>
+                <input type="submit" value="Sammenlign">
+            </div>
+        </div>
+    </form>
+
+    <div id="creditCardResults" class="resultContainer"></div>
+</body>
+</html>
\ No newline at end of file
diff --git a/JS scripts/creditcarddata.js b/JS scripts/creditcarddata.js
new file mode 100644
index 0000000..044200b
--- /dev/null
+++ b/JS scripts/creditcarddata.js	
@@ -0,0 +1,359 @@
+creditmatrix = new Array();
+creditmatrix[0] = new Array("0: Click for details","1: Supplier: ","2: Product bundle: ","3: Product name: ","4: Conditions for the product bundle ","5: Card name ","6: Annual fee, fixed amount ","7: Annual fee in percent ","8: Nominal interest rate","9: Interest period ","10: Interest free period ","11: Term (period) payback fee ","12: Minmum loan amount ","13: Withdrawal other bank outside business hours ","14: Withdrawal other bank during business hours ","15: Withdrawal own bank outside business hours ","16: Withdrawal other bank during business hours ","17: Transaction fee when Withdrawing cash in domestic shop ","18: Rate computing withdrawal (from usage date/from billing date) ","19: Withdrawal abroad percent  ","20: Withdrawal abroad transaction fee ","21: Withdrawal abroad currency margin ","22: Rate computing purchase (from usage date/from billing date) ","23: Purchase fee ","24: Purchase fee abroad ","25: Minimum payment per term in percent ","26: Minimum payment per term in crowns ");
+creditmatrix[1] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=128027","Pareto Bank ASA","tag:finansportalen.no,2012-08-10:feed/bank/produktpakke/198227","","Minsteinnskudd","Mastercard Platinum",0.00,0,1.80,"mnd",45,0.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[2] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38796","GE Money Bank NUF","","","","MasterCard",0.00,0,19.80,"aar",45,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[3] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38208","Santander Red (Santander Consumer Bank AS)","","","","Santander Red",0.00,0,14.89,"aar",50,0.00,"",30.00,30.00,30.00,30.00,1.00,"uttak",1.00,30.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[4] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39068","Sparebank 1 Nordvest","tag:finansportalen.no,2007-12-17:feed/bank/produktpakke/916","","Honn�r","SpareBank 1 Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[5] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38812","Flexi Visa (Santander Consumer Bank AS)","","","","Flexi Visa",0.00,0,21.50,"aar",50,0.00,"",40.00,40.00,40.00,40.00,1.00,"uttak",1.00,40.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[6] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39252","Sparebank 1 Nordvest","","","","Mastercard/Visa",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[7] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39016","Sparebanken Pluss","","","","Plusskort Reserve",0.00,0,1.50,"mnd",0,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,29.00,1.75,"uttak",2.50,2.50,0.00,0.00);
+creditmatrix[8] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39282","Sparebanken Pluss","tag:finansportalen.no,2008-04-10:feed/bank/produktpakke/1056","","Plusskunde Total","Plusskort Reserve",0.00,0,1.50,"mnd",0,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,20.00,1.75,"uttak",0.00,0.00,0.00,0.00);
+creditmatrix[9] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172436","Totens Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/169754","","Honn�rkunder","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[10] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174579","SpareBank 1 Buskerud-Vestfold","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174567","","LO Fav�r","SpareBank 1 Gold",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[11] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173990","Sparebank 1 Nordvest","tag:finansportalen.no,2012-02-02:feed/bank/produktpakke/173980","","Ung voksen","Mastercard/Visa",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[12] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174582","SpareBank 1 Buskerud-Vestfold","tag:finansportalen.no,2012-06-05:feed/bank/produktpakke/194563","","Senior","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[13] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39186","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/598","","Ung/Student","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[14] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38108","Spydeberg Sparebank","","","","Terra gullkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[15] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38896","Evje og Hornnes Sparebank","","","","Terra Gold Visa",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[16] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174457","Evje og Hornnes Sparebank","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174452","","Honn�r","Terra Gold Visa",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[17] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38204","Hol Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[18] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39180","Aasen Sparebank","","","","TerraGold Visa/Mastercard",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[19] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38898","Arendal og Omegns Sparekasse","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[20] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173762","Arendal og Omegns Sparekasse","tag:finansportalen.no,2011-09-29:feed/bank/produktpakke/153541","","Student","Terra Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[21] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38114","Kvinesdal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[22] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39222","Aasen Sparebank","tag:finansportalen.no,2007-12-10:feed/bank/produktpakke/556","","Senior","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[23] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39220","Aasen Sparebank","tag:finansportalen.no,2007-12-10:feed/bank/produktpakke/554","","Student","TerraGold Visa/Mastercard",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[24] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39096","Grong Sparebank","tag:finansportalen.no,2008-10-01:feed/bank/produktpakke/564","","Plusskunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[25] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39132","Grong Sparebank","tag:finansportalen.no,2008-03-10:feed/bank/produktpakke/1226","","Student utland","Terra Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[26] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205045","Lillestr�mBanken (Lillestr�m Sparebank)","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159529","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[27] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39136","Grong Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/1230","","totalkunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[28] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173146","Grong Sparebank","tag:finansportalen.no,2012-01-29:feed/bank/produktpakke/173144","","Fordelskunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[29] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39276","Grong Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[30] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39080","Grong Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/173139","","Atten25","Terra Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[31] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39196","Sunndal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[32] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39462","Askim Sparebank","tag:finansportalen.no,2013-01-03:feed/bank/produktpakke/590","","Askim Aktiv","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[33] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38006","Fornebu Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[34] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=127866","Askim Sparebank","","","","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[35] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177257","Vestre Slidre Sparebank","tag:finansportalen.no,2012-02-12:feed/bank/produktpakke/177243","","UngdomTotal 18 - 25 �r","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[36] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177265","Vestre Slidre Sparebank","tag:finansportalen.no,2012-02-12:feed/bank/produktpakke/177238","","Honn�rTotal","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[37] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39032","Vestre Slidre Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/980","","Totalkunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[38] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39034","Vestre Slidre Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[39] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38154","Nes Prestegjelds Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[40] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=129856","�fjord Sparebank","","","","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[41] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174538","Gjerstad Sparebank","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174533","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[42] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38160","Gjerstad Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[43] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=185572","�fjord Sparebank","tag:finansportalen.no,2012-04-23:feed/bank/produktpakke/185461","","Helkunde","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[44] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=265170","�fjord Sparebank","tag:finansportalen.no,2013-01-01:feed/bank/produktpakke/264933","","�fjordUng 18 - 24 �r","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",0.00,0.00,0.00,0.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[45] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174459","Evje og Hornnes Sparebank","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174450","","Atten33","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[46] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38018","Klepp Sparebank","tag:finansportalen.no,2011-03-22:feed/bank/produktpakke/133370","","Varde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[47] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174961","Klepp Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[48] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205101","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2012-02-08:feed/bank/produktpakke/174971","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[49] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204765","Lillestr�mBanken (Lillestr�m Sparebank)","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159532","","Aktiv","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[50] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204769","Lillestr�mBanken (Lillestr�m Sparebank)","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[51] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205083","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129164","","Fordel","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[52] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205090","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2011-02-01:feed/bank/produktpakke/129166","","Fordel pluss","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[53] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205078","Larvikbanken Brunlanes Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[54] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205096","Larvikbanken Brunlanes Sparebank","tag:finansportalen.no,2010-08-12:feed/bank/produktpakke/115299","","R�tter","Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[55] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38144","Meldal Sparebank","tag:finansportalen.no,2007-12-07:feed/bank/produktpakke/756","","Aktiv Ung Voksen","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[56] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38894","Melhusbanken (Melhus Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/746","","TotalKunde","Terra Visa Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[57] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38140","Meldal Sparebank","tag:finansportalen.no,2007-12-07:feed/bank/produktpakke/752","","Aktiv Voksen","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[58] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38138","Meldal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[59] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38908","Melhusbanken (Melhus Sparebank)","","","","Terra Visa Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[60] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39260","Odal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[61] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172950","Odal Sparebank","tag:finansportalen.no,2012-01-28:feed/bank/produktpakke/172947","","Ung 18 - 26 �r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[62] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205087","Ofoten Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[63] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174490","Ofoten Sparebank","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174487","","Ungdomskunde 18 - 23 �r","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[64] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172936","Odal Sparebank","tag:finansportalen.no,2012-01-28:feed/bank/produktpakke/172930","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[65] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174481","Ofoten Sparebank","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174475","","Honn�rkunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[66] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174433","Rindal Sparebank","tag:finansportalen.no,2008-11-24:feed/bank/produktpakke/1300","","Aktiv Privat","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[67] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38794","R�rosbanken R�ros Sparebank","tag:finansportalen.no,2009-11-30:feed/bank/produktpakke/1202","","18-26","Terra VIVO",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[68] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39480","Rindal Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/778","","Honn�rkonto","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[69] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39482","Rindal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[70] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174426","Rindal Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/174422","","Ungkonto 18 - 25 �r","Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[71] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38590","R�rosbanken R�ros Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[72] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178524","Str�mmen Sparebank","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153072","","Fordelskunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[73] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172892","Str�mmen Sparebank","tag:finansportalen.no,2012-01-28:feed/bank/produktpakke/172885","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[74] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=159554","Surnadal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[75] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38942","Surnadal Sparebank","tag:finansportalen.no,2009-04-14:feed/bank/produktpakke/952","","Senior","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[76] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173124","Surnadal Sparebank","tag:finansportalen.no,2007-12-07:feed/bank/produktpakke/970","","Studentpakke","Terra ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[77] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173119","Surnadal Sparebank","tag:finansportalen.no,2012-01-29:feed/bank/produktpakke/173116","","Voksen","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[78] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174529","Time Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/174526","","Honn�rkonto","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[79] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=201008","Time Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/201801","","Ska Sei 20 - 22 �r","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[80] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38084","Time Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[81] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=201012","Time Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/201799","","Ska Sei 18 �r","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[82] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38086","Time Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/964","","Studentkonto","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[83] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39472","Tolga-Os Sparebank","","","","Terra Gold og Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[84] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38620","Tysnes Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[85] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178654","Vang Sparebank","tag:finansportalen.no,2012-02-28:feed/bank/produktpakke/178651","","Brukskonto med l�nnsinngang","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[86] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38602","Vang Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[87] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38596","Vang Sparebank","tag:finansportalen.no,2009-12-02:feed/bank/produktpakke/178759","","Ubekymra etablert eller f�rstehjemsl�ner","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[88] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173838","Vang Sparebank","tag:finansportalen.no,2012-02-01:feed/bank/produktpakke/178764","","Ubekymra student eller nyetablert","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[89] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38884","Hjartdal og Gransherad Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[90] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39384","Bjugn Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[91] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39368","Bjugn Sparebank","tag:finansportalen.no,2010-01-27:feed/bank/produktpakke/174497","","Ungdom 18 - 25 �r","Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[92] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=201040","Time Sparebank","tag:finansportalen.no,2012-09-12:feed/bank/produktpakke/201031","","Fordelskonto","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[93] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38116","Bud Fr�na og Hustad Sparebank","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/612","","Honn�rpakke","Terra Gold Kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[94] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38120","Bud Fr�na og Hustad Sparebank","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/634","","Studentpakke","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[95] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39414","Bud Fr�na og Hustad Sparebank","tag:finansportalen.no,2008-01-28:feed/bank/produktpakke/614","","BFH Totalkunde Pluss","Terra Gold Kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[96] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173774","Bud Fr�na og Hustad Sparebank","","","","Terra Gold Kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[97] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38122","Bud Fr�na og Hustad Sparebank","tag:finansportalen.no,2009-01-23:feed/bank/produktpakke/610","","L�nnskonto Totalkunde","Terra Gold Kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[98] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=136829","Selbu Sparebank","tag:finansportalen.no,2008-10-01:feed/bank/produktpakke/127040","","SELBUPAKKEN","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[99] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=136831","Selbu Sparebank","tag:finansportalen.no,2008-01-14:feed/bank/produktpakke/127036","","TOTALPAKKEN","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[100] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39094","SkagerakDirektebank.no (Bamble og Langesund Sparebank)","","","","Terra kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[101] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174552","Luster Sparebank","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174544","","Honn�r","MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[102] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=37992","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[103] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=37988","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2009-02-05:feed/bank/produktpakke/708","","Ungdom 18 Pluss","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[104] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173948","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2012-02-02:feed/bank/produktpakke/173946","","LO Fav�r","SpareBank 1 Gold",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[105] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=37986","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2009-02-05:feed/bank/produktpakke/716","","LOfav�r","LOfav�r MasterCard",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,0.00,250.00);
+creditmatrix[106] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=37990","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2009-02-05:feed/bank/produktpakke/714","","Privat Ekstra","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,0.00,250.00);
+creditmatrix[107] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39250","Sparebank 1 Nordvest","tag:finansportalen.no,2007-12-17:feed/bank/produktpakke/912","","Lo-Fav�r","LOfav�r MasterCard",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[108] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173919","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2012-02-02:feed/bank/produktpakke/173917","","Honn�r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[109] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173912","SpareBank 1 N�tter�y (N�tter� Sparebank)","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[110] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173953","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2008-01-09:feed/bank/produktpakke/762","","Privat Ekstra","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[111] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173941","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2008-01-09:feed/bank/produktpakke/173933","","Xtrm Student","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[112] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38014","SpareBank 1 N�tter�y (N�tter� Sparebank)","tag:finansportalen.no,2012-05-10:feed/bank/produktpakke/173937","","Xtrm 18 - 30","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[113] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=176076","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-02-09:feed/bank/produktpakke/176078","","Godt voksen (60 �r +)","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[114] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=176067","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-02-09:feed/bank/produktpakke/176037","","Ung Voksen (18-25)","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[115] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39286","Sparebanken Pluss","tag:finansportalen.no,2008-04-10:feed/bank/produktpakke/1060","","Plusskunde Basis","Plusskort Reserve",0.00,0,1.50,"mnd",0,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,20.00,1.75,"uttak",0.00,0.00,0.00,0.00);
+creditmatrix[116] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172917","Krager� Sparebank","tag:finansportalen.no,2012-01-28:feed/bank/produktpakke/172910","","Krager� 18 - 34 �r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[117] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39404","Krager� Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[118] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172915","Krager� Sparebank","tag:finansportalen.no,2012-01-28:feed/bank/produktpakke/172906","","Krager� Total","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[119] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=265353","SpareBank 1 SR-Bank","tag:finansportalen.no,2013-10-09:feed/bank/produktpakke/265388","","Alltid ","SpareBank 1 Gold (Visa og MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[120] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=245975","SpareBank 1 SR-Bank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/890","","Alltid LO","SpareBank 1 MasterCard",0.00,0,18.30,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[121] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=37998","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2012-05-30:feed/bank/produktpakke/190267","","Konto","Terra Gull",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[122] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173072","Sparebanken Narvik","tag:finansportalen.no,2012-01-29:feed/bank/produktpakke/173070","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[123] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=128015","Sparebanken Narvik","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[124] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38430","Sparebanken Narvik","tag:finansportalen.no,2009-05-19:feed/bank/produktpakke/1072","","Ubekymra","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[125] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205587","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2011-02-24:feed/bank/produktpakke/130640","","Oppdal Aktiv Ung 18:34","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[126] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173066","Sparebanken Narvik","tag:finansportalen.no,2009-05-19:feed/bank/produktpakke/173064","","Ubekymra Ung","Terra ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[127] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205585","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2011-12-01:feed/bank/produktpakke/164617","","Oppdal Aktiv Senior","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[128] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=205611","Oppdalsbanken (Opdals Sparebank)","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/205608","","Oppdal Aktiv voksen","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[129] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=142386","Drangedal og T�rdal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[130] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=245986","SpareBank 1 SR-Bank","tag:finansportalen.no,2013-10-09:feed/bank/produktpakke/265398","","Alltid Pluss","SpareBank 1 Gold (Visa og MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[131] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38566","365Direkte AS (Danske Bank)","","","","365Privat",0.00,0,1.69,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[132] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178093","SpareBank 1 Lom og Skj�k (Lom og Skj�k Sparebank)","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178091","","Brukskonto","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[133] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38626","Tysnes Sparebank","tag:finansportalen.no,2007-12-13:feed/bank/produktpakke/174397","","Tysnes Aktiv Senior","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[134] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=136411","Tysnes Sparebank","tag:finansportalen.no,2011-04-18:feed/bank/produktpakke/139813","","Tysnes Aktiv Totalkunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[135] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39148","Sparebanken DIN (�tt Sparebank)","tag:finansportalen.no,2012-11-29:feed/bank/produktpakke/209210","","Brukskonto med l�nnsinngang","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[136] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38254","Landkreditt Bank AS","","","","Visa Kredittkort",0.00,0,15.50,"aar",45,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[137] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39456","Veg�rshei Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[138] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38798","GE Money Bank NUF","","","","MasterCard Gold",0.00,0,14.88,"aar",45,0.00,"",20.00,20.00,20.00,20.00,1.00,"uttak",1.00,20.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[139] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39142","H�land og Setskog Sparebank","","","","Terra Visa/Mastercard",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[140] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38152","Tinn Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/1116","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[141] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177369","Tinn Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/177356","","Ung voksen","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[142] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38552","Helgeland Sparebank","tag:finansportalen.no,2013-01-01:feed/bank/produktpakke/568","","Helgeland Total","Helgeland Gull",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[143] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=197099","BB Finans ASA","","","","Credits Visa Kredittkort",0.00,0,1.66,"mnd",51,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[144] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174912","Helgeland Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/174910","","Honn�r","Helgeland Gull",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[145] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38548","Helgeland Sparebank","","","","Helgeland Gull",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[146] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204883","Nesset Sparebank","","","","Terra Gold ",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[147] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38618","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/842","","aKtiv","aKtiv MasterCard",0.00,0,18.00,"aar",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[148] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38606","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/840","","aKtiv Gull","aKtiv Gull MasterCard",0.00,0,18.00,"aar",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[149] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=127011","Nordlandsbanken (DNB ASA)","tag:finansportalen.no,2012-02-09:feed/bank/produktpakke/127003","","aKtiv Student","aKtiv Student MasterCard (valgfritt produkt)",0.00,0,18.00,"aar",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[150] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173036","Sparebanken Hemne","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/183088","","Aktiv UNG","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[151] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38750","Sparebanken Hemne","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[152] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38748","Sparebanken Hemne","tag:finansportalen.no,2007-12-05:feed/bank/produktpakke/926","","Senior","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[153] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38564","Danske Bank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/852","","ANSA Pluss","Fokus Pluss MasterCard",0.00,0,1.62,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[154] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39100","Sandnes Sparebank","","","","Visa Reservekort",0.00,0,1.49,"mnd",0,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,30.00,2.00,"uttak",3.00,4.00,0.00,0.00);
+creditmatrix[155] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39102","Sandnes Sparebank","","","","Visa Reservekort",0.00,0,1.49,"mnd",0,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,30.00,2.00,"uttak",3.00,4.00,0.00,0.00);
+creditmatrix[156] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=159432","Bank Norwegian AS","","","","Norwegian kredittkort",0.00,0,1.71,"mnd",45,45.00,"",39.00,39.00,39.00,39.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[157] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=215484","Sandnes Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/129423","","Basis Pluss","Visa Gullkort",0.00,0,19.00,"aar",45,0.00,"",30.00,30.00,30.00,30.00,0.50,"uttak",0.50,30.00,2.00,"faktura",3.00,4.00,2.50,250.00);
+creditmatrix[158] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38632","re:member card (EnterCard Norge AS)","","","","re:member uten �rsgebyr",0.00,0,1.80,"mnd",52,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[159] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=216406","Blaker Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[160] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178213","Blaker Sparebank","tag:finansportalen.no,2012-02-21:feed/bank/produktpakke/178211","","Brukskonto med l�nnsinngang","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[161] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=216421","Sparebanken DIN (�tt Sparebank)","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[162] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172271","Aurskog Sparebank","","","","Terra Visa Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[163] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39352","Aurskog Sparebank","tag:finansportalen.no,2012-09-26:feed/bank/produktpakke/201993","","Honn�r","Visa Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[164] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=218105","AS Financiering","tag:finansportalen.no,2013-01-29:feed/bank/produktpakke/218107","","YX fordelskunde","YX Visa",0.00,0,21.50,"aar",50,35.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[165] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38790","Hegra Sparebank","tag:finansportalen.no,2008-04-30:feed/bank/produktpakke/133950","","Hegra FRI Total","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[166] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38616","Etnedal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[167] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38608","Etnedal Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/640","","Totalkunde","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[168] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38614","Etnedal Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/638","","Ungdom","Terra VIVO",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[169] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38610","Etnedal Sparebank","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/642","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[170] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39064","S�gne og Greipstad Sparebank","","","","Visa Ekstra",0.00,0,17.80,"aar",0,0.00,"",6.00,6.00,2.00,0.00,0.00,"uttak",0.00,25.00,1.75,"uttak",1.00,2.00,4.00,300.00);
+creditmatrix[171] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173229","SpareBank 1 Ringerike Hadeland","tag:finansportalen.no,2012-01-29:feed/bank/produktpakke/173203","","LO Fav�r","LOfav�r MasterCard",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[172] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173090","Hegra Sparebank","tag:finansportalen.no,2012-01-29:feed/bank/produktpakke/173084","","Senior","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[173] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=189670","Sparebanken Sogn og Fjordane","","","","Visa Gold",0.00,0,1.55,"mnd",45,0.00,"",30.00,30.00,30.00,30.00,1.00,"uttak",1.00,30.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[174] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38788","Hegra Sparebank","","","","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[175] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38792","Hegra Sparebank","tag:finansportalen.no,2008-04-30:feed/bank/produktpakke/133954","","Hegra FRI Ung 18-25 �r","Eika Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[176] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38806","Hegra Sparebank","tag:finansportalen.no,2008-04-30:feed/bank/produktpakke/133948","","Hegra FRI Senior","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[177] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=221146","Vik Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[178] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39188","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[179] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178171","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178169","","Brukskonto med l�nnsinngang","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[180] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39190","Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","tag:finansportalen.no,2008-04-15:feed/bank/produktpakke/608","","Ekstra","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[181] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178845","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178075","","Grepa brukskonto med m�nedspris","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[182] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178852","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/178073","","Grepa brukskonto uten m�nedspris","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[183] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38028","SpareBank 1 Hallingdal Valdres","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[184] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38030","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2008-01-04:feed/bank/produktpakke/1284","","18t30","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[185] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38034","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2008-01-04:feed/bank/produktpakke/788","","LO fav�r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[186] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=221926","SpareBank 1 Hallingdal Valdres","tag:finansportalen.no,2012-02-19:feed/bank/produktpakke/221853","","Grepa over 67 �r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[187] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38738","Arendal og Omegns Sparekasse","tag:finansportalen.no,2009-10-13:feed/bank/produktpakke/1166","","Ungdom 18 - 21 �r","Terra Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[188] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38892","Voss Veksel- og Landmandsbank ASA","","","","Terra Gold Kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[189] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177160","H�land og Setskog Sparebank","tag:finansportalen.no,2010-07-12:feed/bank/produktpakke/177149","","AKTIV UNG 18 - 20 �r","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[190] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177145","H�land og Setskog Sparebank","tag:finansportalen.no,2010-07-12:feed/bank/produktpakke/107330","","AKTIV ","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[191] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39366","Orkdal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[192] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172345","Fana Sparebank","","","","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[193] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=133169","Flekkefjord Sparebank","","","","Visa Gull",600.00,0,21.62,"aar",45,35.00,"",27.00,27.00,27.00,27.00,2.00,"uttak",0.50,27.00,1.75,"faktura",2.00,2.00,2.50,250.00);
+creditmatrix[194] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39042","Fana Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/636","","Honn�r","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[195] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=134078","Fana Sparebank","tag:finansportalen.no,2009-01-01:feed/bank/produktpakke/136617","","Vardekonto","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[196] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174866","Flekkefjord Sparebank","tag:finansportalen.no,2012-02-08:feed/bank/produktpakke/174859","","Honn�r","Visa Gull",600.00,0,21.62,"aar",45,35.00,"",27.00,27.00,27.00,27.00,2.00,"uttak",0.50,27.00,1.75,"faktura",2.00,2.00,2.50,250.00);
+creditmatrix[197] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39318","Luster Sparebank","","","","MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[198] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178117","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2012-02-20:feed/bank/produktpakke/178115","","Brukskonto med l�nnsinngang","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[199] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39206","SpareBank 1 Gudbrandsdal","","","","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[200] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39204","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/1334","","LO Fav�r","SpareBank 1 Visa Gold",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[201] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39202","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/800","","Privat Ekstra","SpareBank 1 Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[202] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39200","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/732","","Privat Pluss","SpareBank 1 Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[203] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39224","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/728","","Ungdom 18+","SpareBank1 Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[204] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173799","SpareBank 1 Gudbrandsdal","tag:finansportalen.no,2012-01-31:feed/bank/produktpakke/173791","","Honn�r","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[205] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39150","SpareBank 1 Ringerike Hadeland","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[206] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38706","SpareBank 1 Ringerike Hadeland","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/770","","Privat Ekstra","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[207] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38712","SpareBank 1 Ringerike Hadeland","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/768","","P� Egne Ben","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[208] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38810","Gebyrfri.no (Santander Consumer Bank AS)","","","","Gebyrfri Visa",0.00,0,26.40,"aar",50,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[209] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39284","Sparebanken Pluss","tag:finansportalen.no,2007-12-13:feed/bank/produktpakke/1058","","Plusskunde Senior","Reservekort",0.00,0,1.65,"mnd",0,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.50,29.00,2.00,"uttak",0.00,2.50,0.00,0.00);
+creditmatrix[210] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39290","Sparebanken Pluss","tag:finansportalen.no,2008-06-24:feed/bank/produktpakke/1062","","Plusskunde 18-28","Reservekort",0.00,0,1.50,"mnd",0,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.50,29.00,2.00,"uttak",0.00,2.50,0.00,0.00);
+creditmatrix[211] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39128","Bien Sparebank AS","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/900","","BienPluss","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[212] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38040","Bien Sparebank AS","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[213] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38038","Bien Sparebank AS","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/1248","","BienStudent","Terra ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[214] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39126","Bien Sparebank AS","tag:finansportalen.no,2008-01-10:feed/bank/produktpakke/1244","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[215] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=209071","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","tag:finansportalen.no,2012-11-22:feed/bank/produktpakke/209055","","Prioritert Ung","Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[216] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38932","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/692","","Total student","Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[217] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38928","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","","","","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[218] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=209075","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","tag:finansportalen.no,2012-11-22:feed/bank/produktpakke/209052","","Prioritert","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[219] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174951","Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","tag:finansportalen.no,2008-06-09:feed/bank/produktpakke/690","","Total Student med forsikring","Vivo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[220] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38342","Soknedal Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[221] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204794","Indre Sogn Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178302","","Brukskonto med l�nnsinngang","Visa Gold og MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[222] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204802","Indre Sogn Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/174801","","Honn�r","Visa Gold og MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[223] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204820","Indre Sogn Sparebank","","","","Visa Gold og MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[224] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204822","Indre Sogn Sparebank","tag:finansportalen.no,2011-02-11:feed/bank/produktpakke/129863","","ISSB Total","Visa Gold og MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[225] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38854","H�nefoss Sparebank","","","","VISA/MASTER GOLD",0.00,0,1.83,"mnd",45,35.00,"",0.00,0.00,0.00,0.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[226] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38570","Danske Bank","tag:finansportalen.no,2012-11-26:feed/bank/produktpakke/846","","Gold Total","Gold Total MasterCard",0.00,0,1.58,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[227] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38574","Danske Bank","tag:finansportalen.no,2013-01-01:feed/bank/produktpakke/208841","","Danske 24/7","Fokus MasterCard",0.00,0,1.62,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[228] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38572","Danske Bank","tag:finansportalen.no,2013-01-01:feed/bank/produktpakke/208843","","Danske 24/7 Ung","Fokus MasterCard",0.00,0,1.62,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[229] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38568","Danske Bank","tag:finansportalen.no,2012-11-26:feed/bank/produktpakke/844","","Platinum Privat","Platinum MasterCard",0.00,0,1.54,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[230] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38776","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-09-03:feed/bank/produktpakke/874","","Fri Bruk ansatt i partnerbedrift","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[231] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38772","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-09-03:feed/bank/produktpakke/870","","Fri Bruk ektefelle/samboer","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[232] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38784","SpareBank 1 Nord-Norge","","","","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[233] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38778","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-09-03:feed/bank/produktpakke/876","","Fri Bruk 18 - 30 �r","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[234] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38786","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-09-03:feed/bank/produktpakke/866","","Fri Bruk volum","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[235] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=104440","Andebu Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[236] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38064","Sparebanken S�r","tag:finansportalen.no,2013-04-30:feed/bank/produktpakke/1098","","Student","S�r MasterCard",0.00,0,1.71,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,0.00,"faktura",0.00,35.00,1.75,"faktura",0.00,0.00,2.00,300.00);
+creditmatrix[237] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38074","Sparebanken S�r","","","","S�r MasterCard",0.00,0,1.71,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,0.00,"faktura",0.00,35.00,1.75,"faktura",0.00,0.00,2.00,300.00);
+creditmatrix[238] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=232593","Andebu Sparebank","tag:finansportalen.no,2012-11-13:feed/bank/produktpakke/208735","","Hovedbank","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[239] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174704","Andebu Sparebank","tag:finansportalen.no,2010-01-01:feed/bank/produktpakke/153537","","Honn�rkunder","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[240] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=104427","Andebu Sparebank","tag:finansportalen.no,2010-01-01:feed/bank/produktpakke/174691","","Banken Hime 18 - 26 �r","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[241] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38078","Sparebanken S�r","tag:finansportalen.no,2013-04-30:feed/bank/produktpakke/1168","","Ekstra","S�r MasterCard",0.00,0,1.71,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,0.00,"faktura",0.00,35.00,1.75,"faktura",0.00,0.00,2.00,300.00);
+creditmatrix[242] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38070","Sparebanken S�r","tag:finansportalen.no,2013-04-30:feed/bank/produktpakke/1096","","Total","S�r MasterCard",0.00,0,1.71,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,0.00,"faktura",0.00,35.00,1.75,"faktura",0.00,0.00,2.00,300.00);
+creditmatrix[243] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=233192","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2013-04-12:feed/bank/produktpakke/122708","","So Bra Total","Visa Gold",0.00,0,1.55,"mnd",45,0.00,"",30.00,30.00,30.00,30.00,1.00,"faktura",1.00,30.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[244] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38080","Sparebanken S�r","tag:finansportalen.no,2007-12-12:feed/bank/produktpakke/944","","Seniorkunde","S�r MasterCard",0.00,0,1.71,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,0.00,"faktura",0.00,35.00,1.75,"faktura",0.00,0.00,2.00,300.00);
+creditmatrix[245] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=233189","Sparebanken Sogn og Fjordane","tag:finansportalen.no,2012-12-05:feed/bank/produktpakke/122710","","So Bra","Visa Gold",0.00,0,1.55,"mnd",45,0.00,"",30.00,30.00,30.00,30.00,1.00,"uttak",1.00,30.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[246] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38190","DNB Bank ASA","","","","DnB NOR Master Card",250.00,0,1.60,"mnd",45,20.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[247] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=136499","DNB Bank ASA","tag:finansportalen.no,2012-01-01:feed/bank/produktpakke/1184","","SAGA Gull","Saga Gold MasterCard",0.00,0,1.50,"mnd",45,0.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[248] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=136502","DNB Bank ASA","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/830","","SAGA Platinum","Saga Platinum MasterCard",0.00,0,1.50,"mnd",45,0.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[249] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38918","Harstad Sparebank","tag:finansportalen.no,2008-06-10:feed/bank/produktpakke/656","","AKTIV UNG","ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[250] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=137157","DNB Bank ASA","tag:finansportalen.no,2011-04-21:feed/bank/produktpakke/136488","","Leve ","Leve MasterCard - valgfritt for kunder 18-20 �r",0.00,0,1.55,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[251] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38914","Harstad Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[252] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38912","Harstad Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/650","","Total","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[253] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=139578","Swedbank Norge NUF","tag:finansportalen.no,2013-01-01:feed/bank/produktpakke/948","","Swedbank Privat pakke","Swedbank MasterCard",0.00,0,21.62,"aar",45,25.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[254] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38916","Harstad Sparebank","tag:finansportalen.no,2007-12-03:feed/bank/produktpakke/654","","Honn�rkonto","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[255] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177103","Stadsbygd Sparebank","tag:finansportalen.no,2012-10-29:feed/bank/produktpakke/205308","","Honn�r","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[256] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38910","Stadsbygd Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[257] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178351","Kl�bu Sparebank","tag:finansportalen.no,2012-02-22:feed/bank/produktpakke/178349","","Brukskonto med l�nnsinngang","Terra Gold/ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[258] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38730","Storebrand Bank ASA","tag:finansportalen.no,2009-12-07:feed/bank/produktpakke/1194","","StorebrandKonto","MasterCard Black ",0.00,0,1.60,"mnd",45,0.00,"",50.00,50.00,50.00,50.00,0.00,"faktura",0.00,50.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[259] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178360","Kl�bu Sparebank","tag:finansportalen.no,2011-10-16:feed/bank/produktpakke/178358","","BSU &amp; l�nnskonto","Terra Gold/ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[260] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39056","Kl�bu Sparebank","","","","Terra Gold/ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[261] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178082","Sparebanken Hedmark","tag:finansportalen.no,2011-09-21:feed/bank/produktpakke/153049","","BSU eller annen sparing","MasterCard Gold",0.00,0,21.62,"aar",50,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[262] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38802","Sparebanken Hedmark","","","","MasterCard Gold",0.00,0,21.62,"aar",50,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[263] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172890","Str�mmen Sparebank","tag:finansportalen.no,2008-12-22:feed/bank/produktpakke/974","","Spiro Pluss","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[264] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177111","Stadsbygd Sparebank","tag:finansportalen.no,2008-08-19:feed/bank/produktpakke/177090","","FRI UNGDOM 18 - 25 �r","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[265] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38766","Haugesund Sparebank","tag:finansportalen.no,2007-12-05:feed/bank/produktpakke/646","","Studentkonto","Mastercard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[266] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177216","Haugesund Sparebank","tag:finansportalen.no,2013-10-14:feed/bank/produktpakke/177210","","Spire 18 - 25 �r","Mastercard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[267] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=171867","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/171857","","Fordel Pluss over 65 �r","Privat MasterCard",0.00,0,19.50,"aar",45,35.00,"",40.00,40.00,40.00,40.00,2.00,"uttak",2.00,40.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[268] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39406","Sparebanken Vest","","","","Visa Gull utenfor Vestavinn",300.00,0,19.05,"aar",45,25.00,"",30.00,30.00,30.00,30.00,1.00,"uttak",1.00,30.00,1.75,"faktura",0.00,0.00,2.00,200.00);
+creditmatrix[269] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39410","SpareBank 1 Buskerud-Vestfold","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/174565","","Ung voksen 18 - 30 �r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[270] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39322","SpareBank 1 Buskerud-Vestfold","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/1176","","Privat Ekstra","SpareBank1 Gold ",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[271] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39316","SpareBank 1 Buskerud-Vestfold","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[272] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174584","SpareBank 1 Buskerud-Vestfold","tag:finansportalen.no,2007-12-06:feed/bank/produktpakke/174560","","Student 18 - 30 �r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[273] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38002","Haugesund Sparebank","tag:finansportalen.no,2007-12-05:feed/bank/produktpakke/648","","Seniorkonto","Mastercard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[274] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38746","Haugesund Sparebank","","","","Mastercard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[275] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38560","Sparebanken �st","","","","Visa Gull",425.00,0,18.00,"aar",45,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,30.00,2.00,"faktura",0.00,2.50,0.00,0.00);
+creditmatrix[276] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173634","Sparebanken �st","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/164662","","Nye Kompass Privat","Visa Gull",425.00,0,18.00,"aar",45,0.00,"",7.00,7.00,0.00,0.00,0.00,"uttak",0.50,30.00,2.00,"faktura",0.00,2.50,0.00,0.00);
+creditmatrix[277] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39010","Sparebanken M�re","tag:finansportalen.no,2008-01-11:feed/bank/produktpakke/172723","","M�reavtalen uten �rspris","M�re reservekort Visa",0.00,0,1.59,"mnd",0,0.00,"",7.00,7.00,3.00,0.00,0.50,"uttak",0.50,30.00,1.75,"faktura",1.75,1.75,4.00,400.00);
+creditmatrix[278] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=128040","Sparebanken M�re","","","","M�re Visa Gold",300.00,0,1.67,"mnd",45,0.00,"",7.00,7.00,3.00,3.00,0.50,"uttak",0.50,30.00,1.75,"faktura",3.00,3.00,2.50,250.00);
+creditmatrix[279] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39014","Sparebanken M�re","tag:finansportalen.no,2008-06-27:feed/bank/produktpakke/1074","","M�re Verdi","M�re Verdi VISA Gold",0.00,0,1.67,"mnd",0,0.00,"",40.00,40.00,40.00,40.00,0.50,"uttak",0.50,40.00,1.75,"faktura",0.00,0.00,4.00,300.00);
+creditmatrix[280] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172757","Sparebanken M�re","tag:finansportalen.no,2008-06-27:feed/bank/produktpakke/172754","","M�re Verdi for deg over 67 �r","M�re Verdi VISA Gold",0.00,0,1.67,"mnd",0,0.00,"",40.00,40.00,40.00,40.00,0.50,"uttak",0.50,40.00,1.75,"faktura",0.00,0.00,4.00,300.00);
+creditmatrix[281] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174598","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174591","","Honn�r","Privat Ekstra SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[282] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38092","SpareBank 1 Modum (Modum Sparebank)","","","","SpareBank 1 Kredittkort",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[283] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38090","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/1272","","Privat Ekstra","Privat Ekstra SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[284] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38094","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/174613","","Student 18 - 25 �r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[285] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174609","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2007-12-14:feed/bank/produktpakke/174611","","Ung 18 - 25 �r","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[286] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174619","SpareBank 1 Modum (Modum Sparebank)","tag:finansportalen.no,2012-02-04:feed/bank/produktpakke/174589","","LO Fav�r","LOfav�r MasterCard",0.00,0,19.28,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[287] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172185","SpareBank 1 SR-Bank","","","","SpareBank 1 Gold (Visa og MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[288] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172211","SpareBank 1 SR-Bank","tag:finansportalen.no,2013-10-09:feed/bank/produktpakke/265383","","Senior 70+ Alltid","SpareBank 1 Gold (Visa og MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[289] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=173173","Danske Bank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/173170","","Honn�r","365 Privat MasterCard",0.00,0,1.69,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[290] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38058","Voss Sparebank","tag:finansportalen.no,2008-04-28:feed/bank/produktpakke/986","","Honn�r","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[291] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38060","Voss Sparebank","","","","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[292] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38056","Voss Sparebank","tag:finansportalen.no,2008-02-07:feed/bank/produktpakke/177078","","Voss Ung 18 - 26 �r","Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[293] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39386","Danske Bank","","","","365 Privat MasterCard",0.00,0,1.69,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.50,"uttak",1.50,35.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[294] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39320","Luster Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/706","","Nettobank","MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[295] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39230","Luster Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/704","","nettobank ungdom","MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[296] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=198314","KLP Banken AS","tag:finansportalen.no,2011-11-01:feed/bank/produktpakke/159442","","Medlem i KLP","KLP Mastercard",0.00,0,18.50,"aar",45,25.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[297] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38562","EnterCard Norge AS (EnterCard AB)","","","","SpareBank1 MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[298] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38634","EnterCard Norge AS (EnterCard AB)","","","","Sparebank1 Visa Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[299] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38978","Lillesands Sparebank","","","","Master Card",0.00,0,1.80,"mnd",45,25.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[300] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=237512","Eika Kredittbank AS","","","","Vivo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[301] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=237351","Eika Kredittbank AS","","","","Visa Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[302] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=204816","Indre Sogn Sparebank","tag:finansportalen.no,2013-08-08:feed/bank/produktpakke/129861","","ISSB Ung 18 - 30","Visa Gold og MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[303] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38150","Tinn Sparebank","","","","Terra Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[304] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172313","Etne Sparebank","tag:finansportalen.no,2012-01-22:feed/bank/produktpakke/172300","","Senior","MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[305] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38938","Etne Sparebank","","","","MasterCard Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[306] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172317","Etne Sparebank","tag:finansportalen.no,2012-01-22:feed/bank/produktpakke/172308","","Ungdom 18 - 25 �r","MasterCard Gold",0.00,0,21.62,"",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[307] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39438","Tr�gstad Sparebank","","","","Eika MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[308] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=238000","Marker Sparebank","tag:finansportalen.no,2013-01-02:feed/bank/produktpakke/212652","","Aktiv","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"faktura",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[309] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38110","Marker Sparebank","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/514","","Aktiv Ung Voksen","Vivo for ungdom",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"faktura",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[310] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=177226","Marker Sparebank","","","","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"faktura",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[311] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=239346","Vik Sparebank","tag:finansportalen.no,2012-04-26:feed/bank/produktpakke/185618","","Ungdom/Student","Vivo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[312] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=239351","Vik Sparebank","tag:finansportalen.no,2012-04-26:feed/bank/produktpakke/185623","","Honn�r","Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[313] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39430","Tr�gstad Sparebank","tag:finansportalen.no,2012-03-26:feed/bank/produktpakke/172551","","Krone+","Eika MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[314] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172563","Tr�gstad Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/172541","","Honn�r","Eika MasterCard Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[315] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=166810","SpareBank 1 �stfold Akershus","tag:finansportalen.no,2011-12-01:feed/bank/produktpakke/166591","","Pluss (VISA m leg.)","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,0.00,0.00);
+creditmatrix[316] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=166812","SpareBank 1 �stfold Akershus","tag:finansportalen.no,2011-12-01:feed/bank/produktpakke/166667","","Pluss (VISA uten leg.)","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,0.00,0.00);
+creditmatrix[317] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38196","SpareBank 1 �stfold Akershus","tag:finansportalen.no,2007-12-04:feed/bank/produktpakke/162593","","Ung 18 - 24","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[318] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=128029","SpareBank 1 �stfold Akershus","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[319] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=241985","Tr�gstad Sparebank","tag:finansportalen.no,2013-04-11:feed/bank/produktpakke/229154","","Ung Voksen","VIVO Kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[320] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=242023","Shell MasterCard (Ikano Bank AB publ. Norway Branch)","","","","Shell MasterCard",0.00,0,21.50,"aar",50,45.00,"",0.00,0.00,0.00,0.00,4.00,"faktura",4.00,0.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[321] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38526","Grue Sparebank","","","","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[322] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38736","Grue Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/662","","Ungdom 18 - 25 �r","Eika ViVo",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[323] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38406","Gildesk�l Sparebank","tag:finansportalen.no,2013-08-30:feed/bank/produktpakke/242247","","Totalkunde","Visa/Mastercard Gold ",0.00,0,1.83,"mnd",45,0.00,"",25.00,25.00,25.00,25.00,1.00,"faktura",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[324] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=135533","Bamble og Langesund Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/576","","Honn�r","Eika kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[325] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=135512","Bamble og Langesund Sparebank","","","","Terra kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[326] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=182582","Skandiabanken","","","","Kredittkort",50.00,0,13.46,"aar",50,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,400.00);
+creditmatrix[327] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172420","Totens Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/172405","","Ungdom 18 - 33 �r","Vivo - Eika kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",0.50,27.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[328] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172355","Totens Sparebank","","","","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[329] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172352","Totens Sparebank","tag:finansportalen.no,2011-09-22:feed/bank/produktpakke/158858","","TotalKunde","Eika Gold",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[330] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=245717","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-09-03:feed/bank/produktpakke/868","","Fri Bruk LO-medlem","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[331] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38780","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-09-03:feed/bank/produktpakke/878","","Fri Bruk","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[332] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172230","SpareBank 1 SR-Bank","tag:finansportalen.no,2009-05-05:feed/bank/produktpakke/172228","","Smart-l�n og Alltid","SpareBank 1 Gold (Visa og MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[333] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=172252","SpareBank 1 SR-Bank","tag:finansportalen.no,2012-01-22:feed/bank/produktpakke/172250","","Smart kapitalkonto og Alltid","SpareBank 1 Gold (Visa og MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[334] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39124","Askim Sparebank","tag:finansportalen.no,2013-01-03:feed/bank/produktpakke/574","","Aktiv Ung Voksen","ViVo kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[335] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39116","Askim Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/588","","Honn�r","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[336] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=136537","DNB Bank ASA","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/828","","Student 18 - 34","Student Master Card",0.00,0,1.55,"mnd",45,0.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,1.75,"faktura",0.00,0.00,3.00,200.00);
+creditmatrix[337] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=237805","TwoCards (Eika Kredittbank AS)","","","","TwoCard kredittkort",0.00,0,1.83,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[338] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39182","Sparebanken Vest","tag:finansportalen.no,2013-09-18:feed/bank/produktpakke/1138","","Vestavinn","Visa Gull",0.00,0,19.05,"aar",45,25.00,"",30.00,30.00,30.00,30.00,1.00,"uttak",1.00,30.00,1.75,"faktura",0.00,0.00,2.00,200.00);
+creditmatrix[339] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=216478","OBOS L�n (Eika Kredittbank AS)","tag:finansportalen.no,2013-01-19:feed/bank/produktpakke/216480","","Medlemsskap i OBOS","OBOS MasterCard",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[340] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=237754","NAF Xtra (Eika Kredittbank AS)","tag:finansportalen.no,2013-07-18:feed/bank/produktpakke/237758","","NAF medlemsskap med veihjelp","NAF Xtra",0.00,0,1.83,"mnd",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[341] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39024","Eidsberg Sparebank","tag:finansportalen.no,2012-09-14:feed/bank/produktpakke/201373","","Aktiv Ekstra","Terra Gold",0.00,0,1.83,"mnd",45,0.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[342] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=252296","SpareBank 1 Nord-Norge","tag:finansportalen.no,2012-03-27:feed/bank/produktpakke/182448","","Hovedkunde Fri Bruk","SpareBank 1 Gold (Visa eller MasterCard)",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[343] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39464","Berg Sparebank","","","","Visa Gold",0.00,0,1.83,"mnd",45,0.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[344] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39304","Berg Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/596","","Senior","Visa Gold",0.00,0,1.83,"mnd",45,0.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[345] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39302","Berg Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/594","","Stamkunde Pluss","Visa Gold",0.00,0,1.83,"mnd",45,0.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[346] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=39300","Berg Sparebank","tag:finansportalen.no,2007-12-11:feed/bank/produktpakke/592","","Ung Pluss","Vivo",0.00,0,1.83,"mnd",45,0.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[347] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=242061","Ikano Bank AB (publ.), Norway Branch","","","","Ikano Visa",0.00,0,19.20,"aar",50,0.00,"",35.00,35.00,35.00,35.00,1.00,"faktura",1.00,75.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[348] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=242012","Ikano Bank AB (publ.), Norway Branch","","","","IKEA Kort",0.00,0,18.96,"aar",50,45.00,"",0.00,0.00,0.00,0.00,0.00,"uttak",0.00,0.00,0.00,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[349] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=129850","�fjord Sparebank","tag:finansportalen.no,2010-01-29:feed/bank/produktpakke/194535","","Fastpris voksen","Gold kredittkort",0.00,0,1.83,"mnd",45,35.00,"",25.00,25.00,25.00,25.00,1.00,"uttak",1.00,25.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[350] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=257633","SpareBank 1 Telemark (Sparebanken Telemark)","","","","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[351] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=257637","SpareBank 1 Telemark (Sparebanken Telemark)","tag:finansportalen.no,2012-05-21:feed/bank/produktpakke/189821","","Totalkunde/Hovedbankforbindelse","SpareBank 1 Gold",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,2.50,250.00);
+creditmatrix[352] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38550","Helgeland Sparebank","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/570","","Helgeland Extra","Helgeland Gull",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[353] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=174919","Helgeland Sparebank","tag:finansportalen.no,2012-01-01:feed/bank/produktpakke/174906","","Helgeland Total 18 - 30 �r","Helgeland Gull",0.00,0,21.62,"aar",45,35.00,"",35.00,35.00,35.00,35.00,1.00,"uttak",1.00,35.00,1.75,"faktura",0.00,0.00,3.00,100.00);
+creditmatrix[354] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=178079","Sparebanken Hedmark","tag:finansportalen.no,2008-09-02:feed/bank/produktpakke/942","","Brukskonto","MasterCard Gold",0.00,0,19.92,"aar",50,35.00,"",29.00,29.00,29.00,29.00,0.50,"faktura",0.50,29.00,1.75,"faktura",0.00,0.00,3.00,300.00);
+creditmatrix[355] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38646","Statoil MasterCard (SEB Kort AB Oslofilialen NUF)","","","","Statoil MasterCard",0.00,0,22.50,"aar",45,0.00,"",0.00,0.00,0.00,0.00,4.00,"uttak",4.00,0.00,2.00,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[356] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=38732","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/858","","Check-in","Privat MasterCard",95.00,0,19.50,"aar",45,0.00,"",0.00,0.00,0.00,0.00,2.00,"uttak",2.00,0.00,1.75,"faktura",0.00,0.00,3.00,250.00);
+creditmatrix[357] = new Array("http://www.finansportalen.no/Bank/Kredittkort/Kredittkort+produktdetaljer?key=171855","Nordea (Nordea Bank Norge ASA)","tag:finansportalen.no,2008-01-01:feed/bank/produktpakke/854","","Fordel Pluss","Visa Gold",0.00,0,19.00,"aar",45,0.00,"",0.00,0.00,0.00,0.00,1.50,"uttak",1.50,0.00,1.75,"faktura",0.00,0.00,3.00,250.00);
diff --git a/JS scripts/creditcarddataToJson.html b/JS scripts/creditcarddataToJson.html
new file mode 100644
index 0000000..e5c7304
--- /dev/null
+++ b/JS scripts/creditcarddataToJson.html	
@@ -0,0 +1,47 @@
+<!DOCTYPE html>
+<html>
+<head>
+    <script type="text/javascript" charset="iso-8859-1" src="creditcarddata.js"></script>
+    <script>
+    var creditCards = [];
+    for(var i = 0; i < creditmatrix.length - 1; i++) {
+        var curCreditCard = creditmatrix[i + 1];
+        creditCards[i] = {
+                issuer: curCreditCard[1],
+                cardname: curCreditCard[5],
+                an_ff: emptytozero(curCreditCard[6]), // Fixed annual fee for holding the credit card, always paid in advance
+                an_pf: emptytozero(curCreditCard[7]), // Percentage annual fee for holding the credit card, as percentage of the credit limit, paid in advance
+                nom_rate_purc: emptytozero(curCreditCard[8]), // Nominal interest rate for purchases (for everything unless a separate rate for cash is provided)
+                rateperiod_purc: curCreditCard[9], // The scope of the provided interest rate - month ("mnd") or year ("aar")
+                interestfree_days: emptytozero(curCreditCard[10]), // Maximum number of interest free days for purchases
+                pe_ff: emptytozero(curCreditCard[11]), // Fixed periodic fee to be paid with any downpay term, normally monthly.
+                cw_hb_bh_ff: emptytozero(curCreditCard[16]), // Fixed fee, cash withdrawal from own bank during opening hours
+                cw_hb_oh_ff: emptytozero(curCreditCard[15]), // Fixed fee, cash withdrawal from own bank outside opening hours
+                cw_ob_bh_ff: emptytozero(curCreditCard[14]), // Fixed fee, cash withdrawal from other bank during opening hours
+                cw_ob_oh_ff: emptytozero(curCreditCard[13]), // Fixed fee, cash withdrawal from other bank outside opening hours
+                cw_do_pf: emptytozero(curCreditCard[17]), // Percentage fee, domestic cash withdrawal as a percentage of the withdrawal
+                cw_eu_pf: emptytozero(curCreditCard[19]), // Percentage fee, cash withdrawal abroad as a percentage of the withdrawal (in addition to an eventual currency fee)
+                cw_eu_ff: emptytozero(curCreditCard[20]), // Fixed fee, cash withdrawal abroad (fixed sum)
+                ex_eu_pf: emptytozero(curCreditCard[21]), // Percentage exchange fee, cash withdrawal abroad (percentage)
+                pu_do_ff: emptytozero(curCreditCard[23]), // Fixed fee purchase, domestically
+                pu_eu_ff: emptytozero(curCreditCard[24]), // Fixed fee purchase abroad
+                minpay_perc: emptytozero(curCreditCard[25]), // Minimum, monthly payment as a percentage of used credit
+                minpay_units: emptytozero(curCreditCard[26]) // Minimum, monthly payment in currency units (for example NOK) 
+        };
+    }
+    
+    console.log(JSON.stringify(creditCards, null, "\t"));
+    
+    
+    function emptytozero(parameter) {
+        if (!isNaN(parameter)) return parameter;
+        else if (typeof parameter === 'undefined' || typeof nr == 'undefined' || !parameter || parameter =="" || parameter ==" ") return 0;
+    } 
+    
+    
+    </script>
+</head>
+<body>
+
+</body>
+</html>
\ No newline at end of file
diff --git a/JS scripts/freeCard.htm b/JS scripts/freeCard.htm
new file mode 100644
index 0000000..f3acbbe
--- /dev/null
+++ b/JS scripts/freeCard.htm	
@@ -0,0 +1,3555 @@
+<html><head>
+<meta http-equiv="content-type" content="text/html; charset=windows-1252">
+<title>freeCard</title>
+<script type="text/javascript" charset="iso-8859-1" src="creditcarddata.js"></script>
+<script> 
+<!--
+
+
+
+/* 		
+
+                                                                                                            
+                                                                                                                                                        dddddddd
+    ffffffffffffffff                                                                      CCCCCCCCCCCCC                                                 d::::::d
+   f::::::::::::::::f                                                                  CCC::::::::::::C                                                 d::::::d
+  f::::::::::::::::::f                                                               CC:::::::::::::::C                                                 d::::::d
+  f::::::fffffff:::::f                                                              C:::::CCCCCCCC::::C                                                 d:::::d 
+  f:::::f       ffffffrrrrr   rrrrrrrrr       eeeeeeeeeeee        eeeeeeeeeeee     C:::::C       CCCCCC  aaaaaaaaaaaaa  rrrrr   rrrrrrrrr       ddddddddd:::::d 
+  f:::::f             r::::rrr:::::::::r    ee::::::::::::ee    ee::::::::::::ee  C:::::C                a::::::::::::a r::::rrr:::::::::r    dd::::::::::::::d 
+ f:::::::ffffff       r:::::::::::::::::r  e::::::eeeee:::::ee e::::::eeeee:::::eeC:::::C                aaaaaaaaa:::::ar:::::::::::::::::r  d::::::::::::::::d 
+ f::::::::::::f       rr::::::rrrrr::::::re::::::e     e:::::ee::::::e     e:::::eC:::::C                         a::::arr::::::rrrrr::::::rd:::::::ddddd:::::d 
+ f::::::::::::f        r:::::r     r:::::re:::::::eeeee::::::ee:::::::eeeee::::::eC:::::C                  aaaaaaa:::::a r:::::r     r:::::rd::::::d    d:::::d 
+ f:::::::ffffff        r:::::r     rrrrrrre:::::::::::::::::e e:::::::::::::::::e C:::::C                aa::::::::::::a r:::::r     rrrrrrrd:::::d     d:::::d 
+  f:::::f              r:::::r            e::::::eeeeeeeeeee  e::::::eeeeeeeeeee  C:::::C               a::::aaaa::::::a r:::::r            d:::::d     d:::::d 
+  f:::::f              r:::::r            e:::::::e           e:::::::e            C:::::C       CCCCCCa::::a    a:::::a r:::::r            d:::::d     d:::::d 
+ f:::::::f             r:::::r            e::::::::e          e::::::::e            C:::::CCCCCCCC::::Ca::::a    a:::::a r:::::r            d::::::ddddd::::::dd
+ f:::::::f             r:::::r             e::::::::eeeeeeee   e::::::::eeeeeeee     CC:::::::::::::::Ca:::::aaaa::::::a r:::::r             d:::::::::::::::::d
+ f:::::::f             r:::::r              ee:::::::::::::e    ee:::::::::::::e       CCC::::::::::::C a::::::::::aa:::ar:::::r              d:::::::::ddd::::d
+ fffffffff             rrrrrrr                eeeeeeeeeeeeee      eeeeeeeeeeeeee          CCCCCCCCCCCCC  aaaaaaaaaa  aaaarrrrrrr               ddddddddd   ddddd
+                                                                                                                                                                
+                                                                                                                                                                
+                                                                                            
+
+
+freeCard 1.0 - loan functions for credit cards made for Finansportalen.no by Jon Erland Madsen.	
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>>  		DERVIATION OF FORMULAS USED IN FREECARD					 	<<<<<<< ++++|++++ >>>>>>
+������������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		DERIVATION OF A FORMULA FOR ANNUITY-IMMDEIDATE		////////////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+ANNUITY IMMEDIATE (OR ORDINARY ANNUITIES) PAID AT THE END OF EACH PERIOD
+ 
+"An annuity is a terminating "stream" of fixed payments, i.e., a collection of payments to be periodically made over a specified period of 
+time" (Wikipedia). 
+
+The fixed payments contain both an interest part and an installment part, but as the loan is gradually repaid on each interest due date, the 
+installment share of each annuity grows and the interest share shrinks.
+
+"If the payments are made at the end of the time periods, so that interest is accumulated before the payment, the annuity is called an 
+annuity-immediate, or ordinary annuity "(Wikipedia).
+
+The derivation below applies to ordinary annuities.
+
+
+NOTATION / ASSUMPTIONS
+
+
+It will be easier to read the expressions when we use the short form of the variable names:
+
+
+|*******************************************************************************|
+|				| Symbol		| Variable name		|
+|_______________________________|_______________________|_______________________|
+| Loan, original principal *	| PV			| loan			|
+| Nominal, term interest rate	| r			| rate			|
+| Number of payments		| n			| termnumber		|
+| Periodical payment		| a			| annuity		|
+|				|			|			|
+|*******************************************************************************|
+
+
+* The bank computes the annuity out of your original debt to the bank - the principal at the start of the loan. This might deviate
+from the amount you actually receive. Fees could make up the difference. 
+
+The present value of a loan is smaller than the sum of your payments, as a dollar paid later feels less painful than one paid now. This is why
+borrowers are willing to pay more back than they receive. Lenders are willing to wait for their money, provided they receive more later.
+
+The word "annuity" implies annual payments. But monthly payments are more common now, and "math-wise" the length of the periods is irrelevant. 
+All that we demand, is that the periods have the same length (or, to be very precise - that the periodical interes rate is the same for all
+periods).
+
+If the annual interest rate is 5%, the present value of an annuity 'a' payable in one year is PV = a/1,05
+
+The present value of this annuity plus a similar annuity payable in two years will be PV = a/1,05 + a/(1,05)^2
+
+We use '^' as notation for "in the power of", as in Excel spreadsheets.
+
+(This math procedure, dividing each term with a growth factor, is called "to discount").
+
+We imagine the interest rate 'r' on decimal form, so that five percent is written 0,05. Generally, the growth factor is written '(1+r)'
+
+We presume annuity-immediate, so that the first payment is made at the end of the first period. Hence, we have no zero term, as you
+often have in Math books' examples.
+
+
+
+ANNUITY FORMULA
+
+We formulate the sequence of payments thus, saying that the present value is the sum of all the discounted payments. In this general 
+case, we don't know exactly how many terms there are, so we leave a gap in the middle: 
+ 
+
+I	PV = a/(1+r) + a/((1+r)^2) + a/((1+r)^3) + .. + a/((1+r)^n)
+
+
+All terms on the right hand side have a common growth factor, '1/(1+r)'. In order to make the expressions more easy to read, we introduce 
+the variable 'k':
+
+
+k = 1/(1+r)
+
+We substitue 'k' for '1/(1+r)':
+
+
+I	PV = a*k + a*k^2 + a*k^3 + .. + a*k^n
+
+
+We introduce a second equation, similar to the first, but where we have multiplied all terms by 'k':
+
+
+II	PV*k = a*k^2 + a*k^3 + a*k^4 + .. + a*k^(n+1)
+
+
+We subtract II from I. Many of the terms of the two sequences are the same and disappear. We are left with:
+
+
+PV - PV*k = a*k - a*k^(n+1)
+
+
+This expression can be rearranged, here with respect to the annuity 'a':
+
+=>	PV (1 - k) = a (k - k^(n+1))
+
+=>	PV = a (k - k^(n+1))/(1 - k)
+
+=>	a = PV (1 - k)/(k - k^(n+1))
+
+In javascript notation:
+
+a = PV * (1 - k) / (k - Math.pow(k,n+1));	
+
+
+WHen we subsitute the symbols for the variable names in the table above, we get:
+
+
+annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));
+
+	
+
+
+
+*********************************************************************************
+|										|
+|	FORMULA FOR ANNUITY-IMMEDIATE:						|
+|										|
+|										|
+|	annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));		|
+|										|
+|										|
+|	where									|
+|										|
+|										|
+|	k = 1/(1+rate);								|
+|										|
+|										|
+*********************************************************************************
+
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		(END - DERIVATION OF A FORMULA FOR ANNUITY-IMMDEIDATE)		 ///////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		DERIVATION OF A FORMULA FOR ANNUITY-DUE			////////////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+ANNUITY-DUE - WHERE THE ANNUITIES ARE PAID IN ADVANCE - AT THE BEGINNING OF EACH PERIOD
+ 
+Important: This is NOT a formula for interest paid in advance. For definitions, see derivation of annuity-immediate. The difference from 
+annuity-immediate is that the first period is period zero (the moment we receive the loan). There is no interest on this first payment.
+
+
+ANNUITY FORMULA
+
+
+PV -> The present value of an annuity-due payment stream (when we compute effective interest rate, the present value is the initil size of the loan).
+a  -> The annuity in an annuity-due stream
+r  -> The periodic interest rate
+n  -> Number of payment periods
+
+We formulate the sequence of payments thus, saying that the present value is the sum of all the discounted payments. In this general 
+case, we don't know exactly how many terms there are, so we leave a gap in the middle. The first payment shall not be discounted, as no time
+has passed and no interest accured yet.
+
+In order for the loan to run 'n' periods, since we start in period zero, the last payment happens in period 'n-1':
+ 
+
+I	PV = a + a/(1+r) + a/((1+r)^2) + a/((1+r)^3) + .. + a/((1+r)^(n-1))
+
+
+All terms on the right hand side have a common growth factor, '1/(1+r)'. In order to make the expressions more easy to read, we introduce 
+the variable 'k':
+
+k = 1/(1+r)
+
+We substitue 'k' for '1/(1+r)':
+
+
+I	PV = a + a*k + a*k^2 + a*k^3 + .. + a*k^(n-1)
+
+
+We introduce a second equation, similar to the first, but where we have multiplied all terms by 'k':
+
+
+II	PV*k = a*k + a*k^2 + a*k^3 + a*k^4 + .. + a*k^n
+
+
+We subtract II from I. Many of the terms of the two sequences are the same and disappear. We are left with:
+
+
+I - II	PV - PV*k = a - a*k^n
+
+
+This expression can be rearranged:
+
+
+=>	PV * (1 - k) = a * (1 - k^n)
+
+=> 	PV = a * (1 - k^n)/(1 - k)
+
+=>	a = PV * (1 - k)/(1 - k^n)
+
+
+In javascript notation:
+
+
+PV = a * (1 - Math.pow(k,n))/(1 - k); 
+
+a = PV * (1 - k) / (1 - Math.pow(k,n));	
+
+
+
+*********************************************************************************
+|										|
+|	FORMULA FOR ANNUITY-DUE:						|
+|										|
+|										|
+|	annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));		|
+|										|
+|										|
+|	where									|
+|										|
+|										|
+|	k = 1/(1+rate);								|
+|										|
+|										|
+*********************************************************************************
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		(END - DERIVATION OF A FORMULA FOR ANNUITY-DUE)  		 ///////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+
+
+
+
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>>  		(END - DERVIATION OF FORMULAS USED IN FREELOAN)				 	<<<<<<< ++++|++++ >>>>>>
+������������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>> 		COMMON FUNCTIONS								<<<<<<< ++++|++++ >>>>>>
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+
+
+
+
+function roundoff(number, direction, presision)
+{
+/*
+
+Rounds 'nummber' according to the parameters 'presision' and 'direction':
+
+direction =>	0, false or absent: Normal rounding rules apply 1: Rounds up 2: Rounds down
+presision =>	0, false or absent: Rounds to two decimals 1: Rounds to integer
+
+*/
+
+var roundfact;
+
+if (!presision || presision == 0) roundfact = 100; else roundfact = 1;
+
+if (direction == 1) return Math.ceil(number*roundfact)/roundfact;
+
+else if (direction == 2) return Math.floor(number*roundfact)/roundfact;
+
+else return Math.round(number*roundfact)/roundfact;
+
+/* END function roundoff() */}
+
+
+
+
+
+
+/*����������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>>  		(END - COMMON FUNCTIONS)							<<<<<<< ++++|++++ >>>>>>
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*����������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>> 		EFFECTIVE INTEREST RATE								<<<<<<< ++++|++++ >>>>>> 		 	
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+
+
+
+
+
+
+
+function rateAnnuity(received, calculation_periods, paymentarray, highest_segment, residue, capitalization_freq, guessrate, advance )
+{
+/*
+
+WHAT THE FUNCTION DOES:
+
+For an ordered stream of payments in the array 'paymentarray', the function computes the effective, annual interest rates through iterations.
+
+The function returns one single number - the effective, annual interest rate in the common format: 3,521% pro anno -> 3.521
+
+
+PARAMETERS:
+
+received		-> The loan amount the borrower actually receives, net origination (start) fees.
+calculation_periods	-> The total number of periodic payments the loan spans.
+paymentarray 		-> Array containing all payments of the loan in each interval of the loan (an interval normally spans many payment terms) 
+
+	paymentarray[x][0] 	-> payment	 			Net periodic payment, exclusive of fees, rounded
+	paymentarray[x][1] 	-> number of payment terms; 		The number of periods these payments are valid for
+	paymentarray[x][2] 	-> periodic fee 			Practical to have here
+	paymentarray[x][3] 	-> adjusted lower segment limit 	Since the number of periods must be and integer, you rarely hit the segment limit accurately. The next segments limits must be adjusted accordingly.
+	paymentarray[x][4] 	-> upper segment limit		
+	paymentarray[x][5] 	-> remainder; 				Fractions of cents we pay to little or too much each time due to rounding // OBSOLETE/ UNNECESSARY?
+
+residue			-> Due to rounding errors, a small amount could be due or outstanding at the end of the loan payment period.
+highest_segment		-> The number of the highest 'x' in paymentarray that contains data.
+capitalization_freq	-> How many times each year the loan is capitalized. 12 (monthly) is most common, but other frequencies are supported.
+guessrate 		-> The iterations need an interest rate to start with. A guess for the periodic interest rate in decimal form
+advance			-> When 'true', the terms are payed in advance ("Annuity due"). Otherwise, payments in arrears - ordinary annuities
+
+
+We apply the annuity formula:
+
+
+1) ANNUITY-IMMEDIATE
+
+(When 'advance == false')
+
+
+*********************************************************************************
+|										|
+|	FORMULA FOR ANNUITY-IMMEDIATE:						|
+|										|
+|										|
+|	annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));		|
+|										|
+|										|
+|	where									|
+|										|
+|										|
+|	k = 1/(1+rate);								|
+|										|
+|										|
+*********************************************************************************
+
+We want to compute 'rate'.
+
+We use other variable names:
+
+payment = principal * (1 - k) / (k - Math.pow(k,calculation_periods+1));	
+
+We rearrange it with respect to 'principal':
+
+payment/principal =  (1 - k) / (k - Math.pow(k,calculation_periods+1));
+
+=> principal * (1-k) = payment * (k - Math.pow(k,calculation_periods+1));
+
+=> principal = payment * (k - Math.pow(k,calculation_periods+1))/ (1-k);
+
+We want the right hand expression to be a present value equal to 'principal'. For computation purposes, we thus call the principal 'PV':
+
+PV = payment * (k - Math.pow(k,calculation_periods+1))/ (1-k);
+
+We formerly computed the values for the array 'interval_data'. This array is two-dimentional. In each row (representing a rate segement) the
+three first elements contain:
+
+interval_data[i][0] -> annuity
+interval_data[i][1] -> the number of payments in this interval
+interval_data[i][2] -> periodic fee in the segment
+
+For each interval/step we shall now compute the present value of the stream of payments from the beginning to the end of the interval.
+
+We do that by subtracting the present value of one stream of payments from another:
+
+
+1) A strem of payments with the current periodical amount running from the first payment in the loan to the last payment in the interval:
+
+payment * (k - Math.pow(k,interval_end+1))/ (1-k)
+
+2) Minus a strem of payments with the same amount running from the first payment in the loan to the first payment in the interval:
+
+payment * (k - Math.pow(k,interval_start+1))/ (1-k)
+
+
+The present value of the payment stream from the beginning to the end of the interval transpires by subtracting the second expression from the first:
+
+PV = payment * (k - Math.pow(k,interval_end+1))/ (1-k) - payment * (k - Math.pow(k,interval_start+1))/ (1-k)
+
+We simplify:
+
+=> PV = (payment * k - payment * Math.pow(k,interval_end+1) - payment * k + payment * Math.pow(k,interval_start+1))/ 1-k
+
+The terms 'payment * k' falls against each other, and we get:
+
+=> (payment * Math.pow(k,interval_start+1) - payment * Math.pow(k,interval_end+1)) / 1-k
+
+We can isolate 'payment / (1 - k)':
+
+PV = (payment/(1-k)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1));
+
+'k' (the discount factor) is the unknown entity in our expression. The other variables are known.
+
+
+
+ 
+2) ANNUITY-DUE
+
+(When 'advance == true')
+
+*********************************************************************************
+|										|
+|	FORMULA FOR ANNUITY-DUE:						|
+|										|
+|										|
+|	annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));		|
+|										|
+|										|
+|	where									|
+|										|
+|										|
+|	k = 1/(1+rate);								|
+|										|
+|										|
+*********************************************************************************
+
+
+We reason the same way as for annuity-immediate, but use the annuity-due formula
+
+PV = payment * (1 - Math.pow(k,termnumber))/(1 - k);
+
+So that our present value becomes:
+
+PV = payment * (1 - Math.pow(k,interval_end))/ (1-k) - payment * (1 - Math.pow(k,interval_start))/ (1-k)
+
+And the algebra:
+
+PV = payment/(1-k) - payment * Math.pow(k,interval_end)/(1-k) - payment/(1-k) + payment * Math.pow(k,interval_start)/(1-k)
+
+The first and third term falls, leaving:
+
+PV = payment * Math.pow(k,interval_start)/(1-k) - payment * Math.pow(k,interval_end)/(1-k)
+
+Common factor payment/(1-k) put ouside:
+
+PV = payment/(1-k) * (Math.pow(k,interval_start) -  Math.pow(k,interval_end))
+
+
+
+
+************************************************************************************************************************************************
+
+
+
+NEWTON'S METHOD - DIFFERENTIATION
+
+No formula gives us the effective interest rate directly. We find it by trying a likely value for 'k', adjusting it until we get the interest
+rate with the accuracy we want. Newton's method shortens this try and fail process. It postulates that our 'k' will be found close to where the
+tangent to the curve in the present PV/k point crosses the k-axes: 
+
+http://en.wikipedia.org/wiki/Newton%27s_method
+
+The graph is in the PV/k space. A value of 'k' will give a value of 'PV': PV = f(k).
+
+The steepness of the tangent line is given by the differentiated function with respect to 'k':
+
+PV = (payment/(1-k)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1));
+
+For easier differentiation, we handle the two expressions on each side of the multiplication sign separately. We call them 'A' and 'B';
+
+PV = A*B; where
+
+A = payment/(1-k);
+
+B = Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1);
+
+One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+
+PV' = A'*B + A*B'	
+
+We fist differietiate 'A' separately according to the Quotient rule:
+
+A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+
+The differntiated of the constant 'payment' is 0. The differentiated of the variable 'k' er 1:
+
+=> A' = - payment* (1-k)' / (1-k)^2
+
+=> A' = payment / Math.pow(1-k,2)
+
+Then we differentiate 'B' according to the Power rule (y = x^n => y' = n*x^(n-1)):
+
+B = Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1);
+
+B' = (interval_start+1)*Math.pow(k,interval_start) - (interval_end+1) * Math.pow(k,interval_end)
+
+We then assemble the whole differentiated PV according to the Product rule:
+
+PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1)) + (payment/(1-k))*((interval_start+1)*Math.pow(k,interval_start) - (interval_end+1) * Math.pow(k,interval_end));
+
+As there is no notation for the differentiated in the programming language, we rename the differentiated PV' 'PV_dif':
+
+PV_dif = PV' 
+
+
+
+ANNUITY-DUE
+
+
+(When 'advance == true')
+
+We reason the same way:
+
+PV = payment/(1-k) * (Math.pow(k,interval_start) -  Math.pow(k,intervallslutt))
+
+A = payment/(1-k);
+
+B = Math.pow(k,interval_start) -  Math.pow(k,interval_end);
+
+One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+
+PV' = A'*B + A*B'	
+
+We fist differietiate 'A' separately according to the Quotient rule:
+
+A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+
+Den dervierte av konstanten 'payment' er 0. Den deriverte av variablen 'k' er 1:
+
+=> A' = - payment* (1-k)' / (1-k)^2
+
+=> A' = - payment / Math.pow(1-k,2)
+
+Then we differentiate 'B' according to the Power rule:
+
+B = Math.pow(k,interval_start) - Math.pow(k,interval_end);
+
+B' = interval_start * Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1)
+
+We then assemble the whole differentiated PV' according to the Product rule:
+
+PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start) - Math.pow(k,interval_end)) + (payment/(1-k))*(interval_start*Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1));
+
+As there is no notation for the differentiated in the programming language, we rename the differentiated PV' 'PV_dif':
+
+PV_dif = PV' 
+
+************************************************************************************************************************************************
+
+
+
+ITERATIONS:
+
+
+We have two, pretty much identical, alternative while-loops for computing annuity-due and annuity-immediate, respectively. Instead, we could have
+performed frequent if-test inside the loops, but this would probably have impaired performance more.
+
+When the function is called, at least one nominal interest rate will be among the parameters - the rate in the lowest segment. We skal use this 
+rate as our first guess as to what the effective interest rate might be.
+
+THe function does not use interest rate directly, only via the discount factor 'k' */
+
+
+	var k = 1 / (1+guessrate/100); 	// First suggestion: The array 'price_storage' is a parameter to the function
+	var rounds = 0;	// Counts the number of iterations
+	var PV = 0;	// The present value
+	var PV_dif = 0;	// the differiented of the present value
+	var payment;
+	var y = 1; 	// 'y' is the function value that we want to make close to '0'. Givaen av value so we can enter the 'while'-loop.
+
+	var interval_start;	// The number of payments from the start of the loan period until the interval starts
+	var interval_end;	// The number of payments from the start of the loan period until the interval ends
+
+
+
+
+
+	if (advance) 	// ANNUITIES IN ADVANCE: Annuities paid at the beginning of each period - annuity-due:
+
+		{
+
+		while (Math.abs(y) > 0.000001 && rounds<100)	// Here, we set the accuracy we want.
+			{
+
+			PV = 0;		// The present value of the payments
+			PV_dif = 0;	// The differentiated of the present value
+		
+			interval_start = 0;
+			interval_end = 0;
+
+			
+			/* Now, we compute the present value 'PV' and the corresponding differetiated 'PV_dif' for each interval of the loan, given the 
+			current guess for the discount factor 'k.
+
+			In the case where the loan runse with different interest rates in succeeding intervals, we sum the present value for each. We 
+			also sum their differentiated values. */
+
+			for (i=highest_segment;i>0;i--) 
+				{
+
+				/* In order to compute the effective interest rate, we must compare all we pay with all we receive. Hence, we must 
+				include eventual fees in the periodic payments. The fee is in 'paymentarray[i][2]': */
+
+
+				payment = eval(paymentarray[i][0])+eval(paymentarray[i][2]);
+
+				interval_start = interval_end;	// The end of the former interval is the start of this
+
+				interval_end += paymentarray[i][1]; 	// The upper limit of this interval
+							
+				PV += payment/(1-k) * (Math.pow(k,interval_start) -  Math.pow(k,interval_end));
+
+				/* The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply sum the 
+				differentiated in each interval */
+			
+				PV_dif += (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start) - Math.pow(k,interval_end)) + (payment/(1-k)) * (interval_start * Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1));
+
+					
+				}
+		
+			/* One payment - the residue - is so far missing. We add the present value of the residue to the present value of
+			the other payments. If it is paid in the last period, it must be discounted to find the present value.
+			The residue is already rounded. In annuity-due (annuities in advance) the last payment is in period 'calculation_periods-1': */
+
+
+				PV += residue * Math.pow(k,calculation_periods-1); 
+
+
+			/* We also want to add the differentiated of the residue to the differiented of the other payments. 
+
+			The residue is a function of 'k', and we use the Power rule (http://en.wikipedia.org/wiki/Power_rule): 
+
+			y = x^n => y' = n*x^(n-1): 
+
+			PV_res = residue*Math.pow(k,calculation_periods-1) => PV_res_dif = residue*(calculation_periods-1)*Math.pow(k, calculation_periods-2);
+
+		 	*/
+
+
+		
+				PV_dif += residue * (calculation_periods -1) * Math.pow(k, calculation_periods-2);	
+	
+				y = PV-received;				// Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+		
+				delta = -y/PV_dif; 				// The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+				if (eval(k)+eval(delta) != 1) k += delta; 	// We increase/decrease 'k' (the annuity function crashes at k=1)
+
+				rounds++;
+		
+		
+			}
+
+		}
+
+	else		// "NORMAL" ANNUITIES: Annuities paid at the end of each period - annuity-immediate:
+
+		{
+
+		while (Math.abs(y) > 0.000001 && rounds<100)	// Here, we set the accuracy we are looking at.
+			{
+
+			PV = 0;		// The present value of the payments
+			PV_dif = 0;	// The differentiated of the present value
+		
+			interval_start = 0;
+			interval_end = 0;
+
+			
+			/* Now, we compute the present value 'PV' and the corresponding differetiated 'PV_dif' for each interval of the loan, given the 
+			current guess for the discount factor 'k.
+
+			In the case where the loan runse with different interest rates in succeeding intervals, we sum the present value for each. We 
+			also sum their differentiated values. */
+
+			for (i=highest_segment;i>0;i--) 
+				{
+
+				/* In order to compute the effective interesT rate, we must compare all we pay with all we receive. Hence, we must 
+				include eventual fees in the periodic payments. The fee is in 'paymentarray[i][2]': */
+
+				payment = eval(paymentarray[i][0])+eval(paymentarray[i][2]);
+
+				interval_start = interval_end;	// The end of the former interval is the start og this
+
+				interval_end += paymentarray[i][1]; 	// The upper limit of this interval
+							
+				PV += payment/(1-k) * (Math.pow(k,eval(interval_start)+eval(1)) - Math.pow(k,eval(interval_end)+eval(1)));
+
+				/* The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply sum the 
+				differentiated in each interval */
+			
+				PV_dif += (payment/ Math.pow(1-k,2)) * (Math.pow(k,eval(interval_start)+eval(1)) - Math.pow(k,eval(interval_end)+eval(1))) + (payment/(1-k))*((eval(interval_start)+eval(1))*Math.pow(k,interval_start) - (eval(interval_end)+eval(1)) * Math.pow(k,interval_end));
+			
+				
+				}
+		
+			/* One payment - the residue - is so far missing. We add the present value of the residue to the present value of
+			the other paymen. If it is paid in the last period, it must be discounted to find the present value.
+
+			The residue was rounded when we computed it earlier: */
+
+
+				PV += residue * Math.pow(k,calculation_periods); 
+
+
+
+			/* We also want to add the differentiated of the residue to the differiented of the other payments. 
+
+			The residue is a function of 'k', and we use the Power rule (http://en.wikipedia.org/wiki/Power_rule): 
+
+			y = x^n => y' = n*x^(n-1): 
+
+			PV_res = residue*Math.pow(k,calculation_periods) => PV_res_dif = residue*calculation_periods*Math.pow(k, calculation_periods-1);
+
+		 	*/
+
+
+		
+				PV_dif += residue * calculation_periods * Math.pow(k, calculation_periods-1);	
+	
+				y = PV-received;				// Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+		
+				delta = -y/PV_dif; 				// The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+				if (eval(k)+eval(delta) != 1) k += delta; 	// We increase/decrease 'k' (the annuity function crashes at k=1)
+
+				rounds++;
+
+		
+		
+			}
+
+
+		}
+
+
+/* 'k' is a discouting factor that was defined as k = 1/(1+e) where 'e' is the periodic, effective interest rate as decimal fraction. (1+e) is
+the growth rate for each period. Hence, the growth rate for a year is (1+e)^12 (if there are 12 capitalizations per year). The effective, 
+annual interest rate in decimal fraction, thus, is ((1+e)^12)-1. In percentage: er = (((1+e)^12)-1)*100. 
+Since k = 1/(1+e)  => (1+e) = 1/k, we substiute and get er = ((1/k)^12-1)*100: */
+
+
+	return (Math.pow(1/k,capitalization_freq) - 1)*100; // the effective annual interest rate - the principal result of freeLoan
+
+
+/* END 'rateAnnuity()' */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*����������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>> 		(END EFFECTIVE INTEREST RATE)					<<<<<<< ++++|++++ >>>>>> 		 	
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/*����������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>> 		EFFECTIVE INTEREST RATE FOR CREDIT CARDS					<<<<<<< ++++|++++ >>>>>> 		 	
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+function creditCard(
+received_cash,		// EITHER.. The cash withdrawn on the card during the period, included all the transaction dependent fees.
+received_purchase,	// ..AND/OR: The purchases done with the card during the period, included all the transaction dependent fees.
+numberofmonths,		// OBLIGATORY.
+interestfree_days,	// 0, 'false' or omitted: zero. Integer > 0: The initial interest-free period (only applied to purchases) in number of days
+round_direction,	// 0, 'false' or omitted: Annuities are rounded after normal rules  1: Rounded up 2. Rounded down
+round_presision,	// 0, 'false' or omitted: Payment rounded to nearest 1/100  1: ..rounded to nearest integer
+remainder_handling,	// 0, 'false' or omitted: The "global" remainder at the end of the loan period is payed / compensated with the last payment 1: ..is ignored 
+ignore_origination,	// 0, 'false' or omitted: Origination fee added to the loan and included in the computation. 1 or true: Computation performed without origination fee 
+fee_cash_transaction,	// 0, 'false' or omitted: 0. Number >= 0: Sum of all transaction fees for cash withdrawals
+fee_purc_transaction,	// 0, 'false' or omitted: 0. Number >= 0: Sum of all transaction fees for purchases
+fee_origination,	// 0, 'false' or omitted: 0. Number >= 0: Processing fees: Sum of eventual inital one-time fees to be payed at the beginning of the loan period. 
+fee_annual,		// 0, 'false' or omitted: 0 .Number >= 0: Fixed fee: Annual, fixed fee.
+fee_period,		// 0, 'false' or omitted: 0 .Number >= 0: Fixed fee. Loans given as a credit line might have a periodical (monthly) fixed fee
+rate_cash,		// OBLIGATORY: Interest rate for cash withdrawals might differ from interest on purchases
+rate_purchase,		// OBLIGATORY: Interest rate for purchases might differ from interest on cash withdrawals
+minpay_perc, 		// The minimum, monthly payment as a percentage of current debt
+minpay_units)		// The minimum, monthly payment in currency units (for instance NOK).
+
+/*
+
+
+The function supports two different interest rates for different parts of the credit card charges - cash withdrawals and purchases.
+
+The function supports an optional interest free period for purchases.
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		WHAT THE FUNCTION DOES:		////////////////////////////////////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+The function computes effective annual percentage rate (EAPR) under two assumptions:
+
+
+a) According to a regulation issued by the Norwegian Consumer Ombudsman: 
+
+http://www.forbrukerombudet.no/asset/4757/1/4757_1.pdf
+
+Here, all charges are assumed made the first day and paid back in 12 monthly annuities. An eventual interest free period or other advantages 
+(cash back) should not be taken into account.
+
+In marketing, the banks should present an EAPR computet as the effective interest rate resulting from a loan of 15.000 NOK. This should consist 
+of 10 purchases in Norway, 3 purchases outside Norway, 1 cash withdrawal in Norway and 1 cash withdrawal outside Norway, each of 1.000 NOK. All 
+made the first day the customer has the card.
+
+Although the user can choose other sums and usage pattern in the calculator, the computation method is still regarded as binding, and the 
+calculator always returns this "government rate" as one of the results.
+
+The total payment is not covered by the regulation. The payment sums could thus be computed under more realistic conditions.
+
+(The Norwegian regulation is an application of a EU directive: 
+
+http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2008:133:0066:0092:EN:PDF)
+
+
+b) As above, but with a more realistic payback stream.
+
+freeCard 1.0 also computes the effective interest rate when the interest-free period is taken into account and where the normally delayed payment
+(15 - 20 days after the end of the month) is considered.
+
+But even this more "realistic" method assumes that all charges are made the first day. So it is not completely realistic. One could envisage a
+future version where the usage was assumed spread out in time; charges made evenly or stocastically.
+
+
+NOT IN THIS VERSION
+
+There are two variables currently harvested in the Datafanger that we don't use here:
+
+Renteberegning varekj�p ved kreditt    	Fakturadato/uttaksdato (rate computation when purchasing - on billday/on purchase day)
+Renteberegning uttak ved kreditt    	Fakturadato/uttaksdato	(rat computation when withdrawing cash - on bill day/on withdrawal day)
+
+Whatever time the interest runs from, will not override the Consumer Ombudsman's model. Furthermore, when there is an interest free period 
+for purchases, interest will not be computed until the end of this period anyway.
+
+Finally, I don't think interest computation from bill day could ever pertain to cash withdrawals. It is dificult to imagine that the 
+banks would "give away" free interest days for cash (for purchases, the shops pay for the interest free days).
+
+
+RESULT
+
+The function returns an array; 'res':
+
+res[0] -> Effective, annual interest rate without taking an eventual interest free period into account ("government template")
+res[1] -> The monthly payment, when we apply the "government template"
+res[2] -> Effective, annual interest rate when taking an eventual interest free period into account
+res[3] -> The monthly payment when we take the interest free period into account
+res[4] -> The remainder
+	
+
+
+The function handles only monthly payments and only annuity loans in arrears (annuity-immediate, or ordinaray annuities).
+
+
+SECTIONS
+
+1)  	Preparation and adaption of data
+2)	The annuities
+3) 	Effective interest rate
+4) 	Result reporting
+
+
+EXTERNAL FUNCTIONS USED
+
+function roundoff()
+function rateAnnuity()
+
+
+
+THE PLAN: THREE ANNUITY SERIES
+
+The interest rate is computed by iterations. Before performing the iterations, we need to know each monthly payment. 
+
+Hence, all the relevant Payments, number of periods and remainders are first computed.
+
+There might be different interest rates for cash withdrawals and purchases. In the case of interest free days, they usually only pertain to
+purchases, not to cash withdrawals. The two streams might have to be treated differently. 
+
+Moreover, there are annual fees not fitting into the model with monthly annuities.
+
+We thus make three annuitiy series:
+
+1) 	The annuities paid back to the card company for cash withdrawal
+2)	The annuities paid back to the card company for purchases
+3) 	The annuity series consisting of annual fees
+
+As there is often an interest free period for purchases, but not for cash withdrawals, this model also allows us to compute a more realistic
+interest rate computation, in addition to the model given in the public regulation.
+
+(In a perfect world, we should be able to randomly spread out the purchases and withdrawal along the time line, for again to
+achieve a more realistic picture of the usage pattern. This last wish is incomaptible with annuities, of course. A feature with evenly spread
+charges to the card would, however be relatively easy to compute. But not in this version.)
+
+
+ERROR CODES:
+
+When the computed payment is smaller than the minimum payment reqired in the parameters 'minpay_perc' and 'minpay_payment', the loan must be 
+paid back faster than the user has requested. It is less confusing to ask the user to select a shorter payback period than to first compute the
+minimum payback time and then compute the effective interest rate. Hence, in these cases we return an error code:
+
+-1	=>	With the chosen payback time, the annuity will fall below the required minimum payment.
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		1) PREPARATION AND ADAPTION OF DATA:			  //////////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+ASSUMPTIONS
+
+a) Fees added to debt: Credit card fees are not paid cash, but assumed added to the debt. 
+b) Origination fee added to the cash withdrawal part of the debt: We presume here that the fixed start fee which we have called 'fee_origination' 
+will be added to the cash withdrawal part of the loan. The reason for this is twofold: Firstly, there might be a interest free period for 
+purchases. This does not happen for cash withdrawals. Secondly, the cash withdrawal might have a higher interest rate than the purchase. 
+The lender would probably place the fee in this higher rate segment.
+
+*/
+
+{
+
+	var loan_purchase = eval(received_purchase) + eval(fee_purc_transaction); 	
+
+	
+ 	var loan_cash = eval(received_cash) + eval(fee_cash_transaction)  + eval(fee_origination);	
+
+	
+
+/* There is also an annual fee ('fee_annual'). This is handled further down as an annual payment stream.
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		2) THE ANNUITIES						////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+	
+
+We first compute the present value of the three annuities when no allowance is made for the interest-free period. We use the formulas we've
+already derived:
+
+
+
+*********************************************************************************
+|										|
+|	FORMULA FOR ANNUITY-IMMEDIATE:						|
+|										|
+|										|
+|	annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));		|
+|										|
+|										|
+|	where									|
+|										|
+|										|
+|	k = 1/(1+rate);								|
+|										|
+|										|
+*********************************************************************************
+
+Annual fees are paid at the beginning of the year. Hence, we need the annuity-due version of the annuity formula too:
+
+
+*********************************************************************************
+|										|
+|	FORMULA FOR PRESENT VALUE (included payment at time zero):		|
+|										|
+|										|
+|	pv = annuity * (1 - Math.pow(k,termnumber+1)) / (1 - k) 		|
+|										|
+|										|
+|	where									|
+|										|
+|										|
+|	k = 1/(1+rate);								|
+|										|
+|										|
+*********************************************************************************
+
+
+
+We use our variable names:
+
+termnumber -> numberofmonths
+loan 	-> loan_cash and loan_purchase
+
+*/
+
+
+	var purchase_annuity;
+
+	var cash_annuity;
+
+
+// Our version of the annuity formula utilzes the number of periods plus one:
+
+
+	var plusmonth = eval(numberofmonths)+eval(1);
+
+
+// The annuity for cash withdrawals. We add the annual fee to the "official" interest rate, hence signalling that it has the same foundation and effect:
+
+
+	var kc = 1 / (1 + eval(rate_cash)/1200);	// 'k' from the formula above, for cash withdrawals. 
+
+	if (loan_cash > 0) cash_annuity = loan_cash * (1 - kc) / (kc - Math.pow(kc,plusmonth));
+	else cash_annuity = 0;
+
+
+// The annuity for purchases. We add the annual fee to the "official" interest rate, 
+
+
+	var kp = 1 / (1 + eval(rate_purchase)/1200);	// 'k' from the formula above, for purchases. 
+
+	if (loan_purchase  > 0) purchase_annuity = loan_purchase * (1 - kp) / (kp - Math.pow(kp,plusmonth));// Interest in arrears for the "government" computation
+	else purchase_annuity = 0;				
+
+
+	var ka = 1 / (1 + rate_cash/100);		// Annual discount factor
+
+	var years = Math.floor(numberofmonths/12);	// How many annual fees must we pay?
+
+
+/* The ensuing logic is subtle: The annual fee is charged at the beginning of the first year, but payed with the normal annuities.
+Henve, the present value of it does not equal the nominal sum. */
+
+
+	var annualfee_pv = fee_annual * (1 - Math.pow(ka,years)) / (1 - ka); 		// Present value of annuities in advance.
+
+	var annual_annuity = annualfee_pv  * (1 - kc) / (kc - Math.pow(kc,plusmonth));	// Monthly payments in arrear
+
+
+// The sum of the three annuities, included periodic fees. 
+
+
+	var sumannuity = cash_annuity + purchase_annuity + annual_annuity + fee_period;
+
+	var rounded_annuity = roundoff(sumannuity, round_direction, round_presision);
+
+
+/*
+
+MONTHLY, MINIMUM PAYMENT
+
+Consider the parameters to the function:
+
+minpay_perc	=>	The minimum, monthly payment as a percentage of current debt
+minpay_units	=>	The minimum, monthly payment in nominal currency units (for instance NOK or GBP).
+
+Most card issuers demand that the borrower pays back a minimum payment each month. Normally, this payment is a 
+percentage of the credit charged to the card, 'minpay_perc'. Neither should this ammount fall below the fixed sum
+'minpay_units'.
+
+a) As this function 'creditCard()' only handles annuity loans, the payments are equal in all periods. If the first payment 
+is smaller than the threshold in 'minpay_units', all are. In this case, the minimum payment will take the place of the 
+computed annuity. The effect would be a shorter payback time than the calculator's user has requested.
+
+As this is a user input, it is not "our job" to recalculate the periode. Instead, we will return an error message: 
+Choose a shorter payback period!
+
+b) Likewise, if the minimum percentage of the initial debt exeeds the annuity, the payback period will be shorter!
+
+As the debt shrinks with time in our model, the minimum percentage will not exeed the annuities later if they don't do
+it initally.
+
+*/
+
+
+	var initaldebt = loan_cash + loan_purchase + fee_annual; // What is charged to the card, included fees.
+	
+	var minfee_perc = minpay_perc / 100 * initaldebt;	// Computing the minimum percentage payment in the first term
+
+	if (minpay_units > sumannuity || minfee_perc > sumannuity) return - 1;
+
+
+/*
+
+We are going to use a rate computing function - rateAnnuity() - that expects an array as one of the parameters.
+
+Each row in the array/matrix 'interval_data':
+
+interval_data[x][0] -> payment	 			Periodic payment, rounded
+interval_data[x][1] -> number of terms; 		The number of periodic payments it takes to pay down the loan
+interval_data[x][2] -> periodic fee 			Already included
+interval_data[x][3] -> adjusted lower segment limit 	Not relevant here							
+interval_data[x][4] -> upper segment lomit		Not relevant here
+interval_data[x][5] -> remainder; 			Fractions of cents we pay to little or too much each time due to rounding 
+
+
+*/
+
+
+		
+	var interval_data = new Array();		
+	interval_data[1] = new Array();
+
+	interval_data[1][0] = rounded_annuity;									
+	interval_data[1][1] = eval(numberofmonths);
+	interval_data[1][2] = 0;
+	interval_data[1][3] = 0;
+	interval_data[1][4] = eval(received_cash)+eval(received_purchase);
+	interval_data[1][5] = sumannuity - rounded_annuity; 
+
+
+/*
+
+	
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		3) EFFECTIVE INTEREST RATE:		////////////////////////////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+THE "GOVERNMENT FORMULA":
+
+A Norwegian public regulation decides the general algoritm for computing the effective interest rate for credit cards. One of the statutes is 
+that all withdrawals and purchases shall be considered to have been made the first day.  This is our present value. We are looking for an 
+interest rate that makes the present value of the monhly payback stream equal to this present value. 
+
+To compute the effective interest rate, we use the function rateAnnuity from freeLoan:
+
+rateAnnuity(received, calculation_periods, paymentarray, highest_segment, residue, capitalization_freq, guessrate, advance )
+
+ */
+
+
+	var rate_guess = rate_purchase/12;	// All credit cards have at least an interest rate for purchases
+
+	var received = eval(received_purchase) + eval(received_cash);
+
+	var er = rateAnnuity(received, numberofmonths, interval_data, 1, 0, 12, rate_guess, false );
+
+
+/*
+
+
+
+
+THE "ADVANCED" FORMULA
+
+Most credit cards don't charge interest for purchases before after 45 / 50 days, while cash withdrawals are charged 
+with interest from the first day. 
+
+The "government formula" does not take this into consideration, as it is adapted to a public regulations deciding 
+how effective interest on credit cards should be computed: Every charge to the card - purchases and withdrawals are 
+assumed to be made the first day. Thereafter, the card is not charged more and the debt is paid back in monthly 
+annuities in arrears at the end of each month. 
+
+The guide states that an eventual interest free period should be ignored in this computation.
+
+But the user might still want to see a more realistic computation. We can take the interest free period into account 
+by treating the payback stream from the purchases differently: We apply the present value formula for annuities due -  
+the first installment being paid at once, in time zero, at the very start of the time line. This will emulate that 
+there is no interest before the payment takes place. These annuities should be the ones actually paid.
+
+We compute the sommon annuity for the other elements, the payments pertaing to cash withdrawals and fees, "normally", 
+treating these as annuities in arrears. 
+
+I might be neccecary to augment this latter payment stream further, by the time from the bill is issued until the due
+date. The annuity in arrears already takes 30 interest rate bearing days into consideration, but there might be 15/20
+more. 
+
+(These additional days will be computed with the nominal interest rate computed by the 'bank-method': The aritmetic
+average of the interest rate. By this method, when the monthly interest rate is 1%, the rate for half a month is simply
+1/2%. This is not mathematically correct, but it is the way the banks normally do it, so we must emulate that here in 
+order to obtain the actual payments.)
+
+There are not two payment streams, only one. Both the interest-bearing cash withdrawals and the temporarily interest 
+free purchases are served with the same monthly payback stream, starting after 45 / 50 days. 
+
+Hence, we sum the payments, getting one payment stream and finding the present value of this.
+
+But the normal present value in arrears formula stipulates that our observation point lays one month before the first 
+payment.
+
+We, thus, have to further discount the payment stream with the 15/20 days longer, first period.
+
+We have already computed the annuity for purchases, using the normal annuity formula with annuities in arrears. Now, 
+we recompute it with the annities in advance-formula:
+
+
+	annu_purch = loan_purchase * (1 - kp) / (1 - Math.pow(kp,numberofmonths));	// Applying the formula for annuities in advance
+
+	annu_other = sumannuity - purchase_annuity; 					// Subtracting the old "purchase annuity", computed above, stipulating annuities in arrears
+
+	annu = annu_purch + annu_other;
+
+
+We are searching for an annual, effective interest rate. But since the payments are monthly, it is practical to first 
+find the monthly interest rate, 'r', which is a desimal number (0,015 means 1,5%). Each monthly amount should be 
+multiplied with 1,015 (1 + r) to obtain the next.
+
+If something grows by 1,5% each month, how much does it grow by in one day?
+
+If we assume daily capitalization:
+
+	(1 + rd) = (1 + r) ^ (1/30)			// The daily growth rate is the 30th root of the monthly growth rate
+
+Discouting means dividing by the growth factor, or multiplying by 1 / (1 + r). We call this factor k: 
+
+
+	As k = 1 / (1 + r) => (1 + r) = 1/k		// The monthly growth factor
+
+	(1 + r)^(1/30) = (1/k)^(1/30)			// The daily growth factor
+
+
+We now have the annuity stream. We first find the preliminary present value as such:
+
+	pv_p = annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)
+
+With its monthly scope, this is the present value one month ahead of the first payment.
+
+But the payment stream in reality starts later.
+
+	extra_days = due_days - 30 		// The number of days we shall discount the computed present value by
+
+We will first compute the growth factor for the extra days. It is the daily growth factor, '(1/k)^(1/30)', raised by the 
+number of extra days:
+
+	extra_growth = ((1/k)^(1/30))^extra_days
+
+I follows as normal computation rules that (a^m)^n = a^(m * n), Thus..
+
+	extra_growth = (1/k)^(1/30 * extra_days) = (1/k)^(extra_days/30)
+
+The discount rate is the inverse of the growth rate: 1/ (1 + r) = k
+
+Hence, we make a new discount rate, ke,  for the 'extra_days' number of days:
+
+	ke = 1 / ((1/k)^(extra_days/30))
+
+Or, in Javascript:
+
+	ke = 1 / Math.pow(1/k,extra_days/30)
+
+
+We still maintain the assumption that all charges to the card are made the first day. Thus, the present value equals 
+the nominal, received sum. 
+
+The annuity formula gives us the payment stream that starts 30 days after we get the card. But the due date is slightly later, 
+normally 15-20 days into the next month. The bank will charge interest up to payment day, so we must discount the preliminary
+present value we found, 'pv_p', with these extra days to obtain the present value.
+
+received = pv_p * ke		// Discounted with the extra days. We substitute pv_p with its formula:
+
+received = (annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)) * ke	// We substitute 'ke' by 'ke = 1 / Math.pow(1/k,extra_days/30)', as derived above:
+
+received = (annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)) * 1 / Math.pow(1/k,extra_days/30)		
+
+=> (annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)) / Math.pow(1/k,extra_days/30) - received = 0; 
+
+y = (annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)) / Math.pow(1/k,extra_days/30) - received;	// Assuming a continous function
+
+In order to use Newton's method (http://en.wikipedia.org/wiki/Newton%27s_method), we must also find the derived of the function - y'
+
+This is of course great fun, as we have a function with another function as one of its variables. 
+
+We'll proceed stepwise, by breaking up y in its parts and treat the parts  separately. First in its two main derivable factors:
+
+	y = (annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)) / Math.pow(1/k,extra_days/30) - received;
+
+	a = annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)
+
+	b =   Math.pow(1/k,extra_days/30)
+
+	When we have found the derivatives of a and b, we can apply the product rule:
+
+	y' = (a'*b - a * b') / b^2
+
+	First a
+	
+	a = annu * (k - Math.pow(k,numberofmonths+1)) / (1 - k)
+
+	a consists of functions both in its nominator and denominator. We treat these separartely too:
+
+		a_no = annu * (k - Math.pow(k,numberofmonths+1))
+
+		a_de = (1 - k)
+
+	We are looking to apply the quotient rule:
+
+	a' = (a_no' * a_de - a_no * a_de') / a_de ^2
+
+	First the derivatives:
+
+		a_no = annu * (k - Math.pow(k,numberofmonths+1))
+
+		a_no' = annu * (1 - (numberofmonths+1) * Math.pow(k,numberofmonths))
+
+		a_de =  (1-k)
+
+		a_de' =  -1
+
+	a' = ((annu * (1 - (numberofmonths+1) * Math.pow(k,numberofmonths))) * (1-k) - annu * (k - Math.pow(k,numberofmonths+1)) * -1) / Math.pow(1 - k, 2)
+
+	a' = ((annu * (1 - (numberofmonths+1) * Math.pow(k,numberofmonths))) * (1-k) + annu * (k - Math.pow(k,numberofmonths+1))) / Math.pow(1 - k, 2)
+
+	(For convenience, we have already computed 'numberofmonths + 1' above, in the variable 'plusmonth'
+
+	Then b:
+
+	b =   Math.pow(1/k,extra_days/30)
+
+	Applying the chain & power rule:
+
+
+	*********************************************************************************
+	|										|
+	|	Combining the Chain Rule and the Power Rule				|
+	|										|
+	|	y = f(x) = [u(x)]^n							|
+	|										|
+	|	f'(x) = n * [u(x)]^n-1 * u'(x)						|
+	|										|
+	*********************************************************************************
+
+	b' = extra_days/30 * Math.pow(1/k,(extra_days/30)-1) * -1/Math.pow(k,2)		// The last term is the derivative of 1/k, which is -1/k^2
+
+	b' = - extra_days/30 * Math.pow(1/k,(extra_days/30)-1)/Math.pow(k,2)		
+
+We are approacthing our functions. Remember the quotient rule:
+
+y' = (a'* b - a * b') / b^2		// We substitute the right hand factors with their formulas:
+
+y' = ((annu * (1 - plusmonth * Math.pow(k,numberofmonths))) * (1-k) + annu * (k - Math.pow(k,plusmonth))) / Math.pow(1 - k, 2) * Math.pow(1/k,extra_days/30) - (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) * - (extra_days/30 * Math.pow(1/k,(extra_days/30)-1)/Math.pow(k,2))) / Math.pow(Math.pow(1/k,extra_days/30))^2
+
+The term 'Math.pow(Math.pow(1/k,extra_days/30))^2' can be transformed to 'Math.pow(1/k,extra_days/30 * 2) = Math.pow(1/k,extra_days/15)'. Hence..
+
+y' = ((annu * (1 - plusmonth * Math.pow(k,numberofmonths))) * (1-k) + annu * (k - Math.pow(k,plusmonth))) / Math.pow(1 - k, 2) * Math.pow(1/k,extra_days/30) - (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) * - (extra_days/30 * Math.pow(1/k,(extra_days/30)-1)/Math.pow(k,2))) / Math.pow(1/k,extra_days/15)
+
+y = (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) / Math.pow(1/k,extra_days/30) - received;
+
+Simple as that :)
+
+The payments are computed with the bank's interest rate. All discounting is done with ours: The computed, effective interest rate derived through
+iterations.
+
+
+Before we can compute the effective interest rate, we must compute the annuity:
+
+*/
+
+	
+
+	var due_days = 45;					// Normal number of days from the first day in the month until the bill is due? HARDCODED!
+
+	if (interestfree_days > 30) extra_days = interestfree_days - 30; 
+	else extra_days = due_days - 30; 
+	
+	var annu_purch = loan_purchase * (1 - kp) / (1 - Math.pow(kp,numberofmonths));	// Applying the formula for annuities in advance
+
+
+/* The value of the annuity pertaining to cash withdrawals and annual fee must accrue interest for another 15 / 20 days, 
+to be payed at the same day as the interest free purchase charges. To this end, we subtract the old "purchase annuity", 
+computed above. We also subtract the periodic fee, as that should not accrue interest. It should have its nominal
+value at payday: */
+
+
+	var annu_other = sumannuity - purchase_annuity - fee_period; 	
+	
+	var extra_rate = rate_cash / 36000 * extra_days;	// The interest accrued for the period from the end of the month until the bill is due
+
+	var annu_other_inc = annu_other * (1 + extra_rate) 	// The annuity for cash withdrawals, augmented with interest until the bill is due - for another 15/20 days.
+
+	var annu_unrounded = annu_purch + annu_other_inc + fee_period; // As we are no on the correct day, we add the nominal value of the periodic fee again
+
+	var annu = roundoff(annu_unrounded, round_direction, round_presision); // The monthly annuity, taking 30 interest free days for purchases into account
+
+	
+//	CONTROLLING FOR THE MINIMUM MONTHLY PAYMENT:
+
+
+	if (minpay_units > annu) return - 1;			// We intrerupt the computation if the minimum payment exeeds the computed annuity
+
+
+
+/*
+
+COMPUTING THE REMAINDER
+
+When computing an annuity, we typically get numbers as 234.938267484958. This is not payable in a bank. 234.94 is, but these slightly too big
+annuity will make us overshoot the target payment at the end of the loan period (we pay a little too much).
+
+This amount is the remainder. It is either ignored or compensated. It it is compensated, this is normally done with the last payment in 
+the loan period. 
+
+We first compute the present value of the remainder. Then we compute the forward value, the value when it is actually to be paid, with the 
+last payment.
+
+But we normally cannot pay the remainder either. We can pay only the rounded reminder.
+
+To investigate how the remainder affects our computation of effective interest rate, we then again has to compute the present value of the 
+amount that is actually to be paid..
+
+*/
+
+
+	var k =  kp; 	// The fist suggestion of monthly discount rate is set to the nominal discount rate for purchases.
+
+	if (remainder_handling == 0)	//  The remainder to be compensated / charged with the last payment
+
+		{
+
+			var pv_rounded = (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) / Math.pow(1/k,extra_days/30);
+
+			var pv_unrounded = (annu_unrounded * (k - Math.pow(k,plusmonth)) / (1 - k)) / Math.pow(1/k,extra_days/30); // Negative number: In customer's favour
+
+		
+		// The unrounded present value of the remainder is the difference between these:
+
+
+			var grossremainder_pv = pv_unrounded - pv_rounded; 
+
+
+		// The forward value of the remainder (amount to be paid with the last term):
+
+			var remainder_fv = grossremainder_pv * Math.pow(1/k, numberofmonths) * Math.pow(1/k,extra_days/30); 
+
+
+		/* We find the remainder we shall actually pay by summing the unrounded annuity with the unrounded remainder. We then subtract the rounded
+		annuity and round what is left. In this latter operation, we round to the nearest number, as we assume the intention of this remainder is
+		to correct rounding errors done previously.  */
+
+
+			var remainder = roundoff(roundoff(annu_unrounded + remainder_fv, round_direction, round_presision) - annu, round_direction, round_presision);
+
+
+		/* Now, we have found the actually paid/rounded remainder in the last term. The present value of it is will vary with the effective interest
+		rate we find. This present value must be included when we do the iterations:
+
+			remainder_pv = remainder * ( Math.pow(k, numberofmonths) * Math.pow(k,extra_days/30)); 
+
+		=>	remainder_pv = remainder * ( Math.pow(k, numberofmonths+extra_days/30);
+
+
+		Where the exponentials can be summed: */
+
+
+
+			var exp = eval(numberofmonths)+ eval(extra_days/30);
+
+			//var remainder_pv = remainder * Math.pow(k, exp);
+
+
+
+		/* We'll also need the differentiated of the present value of the remainder to add to the differentiated of the present value of the whole loan. We use the quotient rule.
+		Bearing in mind that 'remainder' now is a constant. */
+
+	
+			//remainder_pv_dif = - remainder * (numberofmonths + extra_days/30) * Math.round(1/k, numberofmonths + extra_days/30 - 1) / Math.round(1/k, numberofmonths + extra_days/30 + 2);
+
+		}
+
+	else 	
+
+		{
+
+		var remainder = 0;					// The remainder to be ignored
+
+		var exp = eval(numberofmonths)+ eval(extra_days/30);	// Still used in one of the formulas
+
+		}	
+
+
+
+// THE ITERATIONS
+
+
+	var rounds = 0;	// Counts the number of iterations
+
+	var y = 1; 	// 'y' is the function value that we want to make close to '0'. Given av positive value here, so we can enter the 'while'-loop.
+
+	var y_dif; 	// 'y' differentiated
+	
+	while (Math.abs(y) > 0.00001 && rounds<100)	// Here, we set the accuracy we want.
+		{
+
+			y =  (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) * Math.pow(k,extra_days/30) - received;
+
+		
+		// We add the present value of the remainder 'remainder_pv':
+
+
+			y += remainder * Math.pow(k, exp);
+	
+			y_dif = ((annu * (1 - plusmonth * Math.pow(k,numberofmonths)) * (1-k) + annu * (k - Math.pow(k,plusmonth))) / Math.pow(1 - k, 2) * Math.pow(1/k,extra_days/30) +  annu * (k - Math.pow(k,plusmonth)) / (1 - k) *     extra_days/30 * Math.pow(1/k,(extra_days/30)-1)/Math.pow(k,2)) /  Math.pow(1/k,extra_days/15);
+
+
+		// We add the differentiated of the present value of the remainder 'remainder_pv_dif':
+
+
+			y_dif += remainder * exp * Math.pow(k, exp - 1);
+
+			delta = -y/y_dif; 				// The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+			if (eval(k)+eval(delta) != 1) k += delta; 	// We increase/decrease 'k' (the annuity function crashes at j==1)
+	
+			rounds++;
+				
+		}
+
+
+var er_a = (Math.pow(1/k, 12) - 1) * 100;	// The effective, annual interest rate with the "advanced" model
+
+/* 
+
+
+������������������������������������������������������������������������������������������������������������������������������������������������
+//////////////////////////		4)  RESULT REPORTING			////////////////////////////////////////////////////////////////
+������������������������������������������������������������������������������������������������������������������������������������������������
+
+
+We return the array 'res' with these values:
+
+*/
+
+	res = new Array(3);
+	res[0] = er;			// Effective, annual interest rate according to the "government template"		
+	res[1] = rounded_annuity;	// Annuity according to the "government template"
+	res[2] = er_a; 			// Effective, annual interest rate when taking interest-free period into account
+	res[3] = annu;			// Annuity when taking interest-free period into account
+	res[4] = remainder;		// Remainder
+
+
+	return res;
+
+
+/* END function creditCard() */}
+
+
+
+
+
+
+
+
+
+
+/*����������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>> 		END EFFECTIVE INTEREST RATE FOR CREDIT CARDS					<<<<<<< ++++|++++ >>>>>> 		 	
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+
+/*����������������������������������������������������������������������������������������������������������������������������������������������
+������������������������������������������������������������������������������������������������������������������������������������������������
+<<<<<<< ++++|++++ >>>>>>  		(END FREECARD)			  					  	<<<<<<< ++++|++++ >>>>>>
+������������������������������������������������������������������������������������������������������������������������������������������������
+����������������������������������������������������������������������������������������������������������������������������������������������*/
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+/////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////
+/// BELOW IS THE TEST MODULE FOR FREECARD (NOT A PART OF FREECARD ITSELF)
+/////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////
+
+
+
+
+
+
+
+
+
+ 
+
+function indata_clean(streng,us_numberformat)
+{
+/* 
+o Converts from  Norwegian/French number format to US/UK number format
+o Removes blanks
+o FOR NUMBERS ONLY: Empty values set to zero
+*/
+var innstreng = new String(streng);
+var renset;
+if (us_numberformat == false)
+	{
+ 
+	/* '\xn' treffer den hexadesimale karakteren 'n'. Norsk punktum har koden '2E'. '\x2E' treffer derfor norsk punktum. 
+	Flagget 'g' betyr 's�k i hele strengen'. Skal det settes flagg, m� s�kestrengen innledes og avsluttes med '/'.
+	Rekkef�lgen i utbyttingen er ikke tilfeldig */
+ 
+	renset = innstreng.replace(/\x2E/g, "");	// Replaces period/norwegian thousand delimiter (.) with nothing
+	renset = renset.replace(",", ".");		// Replaces Norwegiang comma (,) with angloamerican (.)
+ 
+	}
+else renset = innstreng;
+renset = renset.replace(/\s/g,"");			// '\s' matches blanks, line shift etc. 'replace(/\s/g,"")' replaced with nothing
+if (renset.length == 0 || isNaN(renset)) renset = 0;	// Empty and non-numericals set to zero
+return renset;
+/* END function indata_clean() */}
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+
+
+
+
+
+
+
+
+ 
+ 
+
+ 
+ 
+function outdata_clean(streng,us_numberformat)
+{
+// Performs the opposite operations of 'indata_clean()'
+var utstreng = new String(streng);
+if (us_numberformat == false) return utstreng.replace(/\x2E/g, ",");	// Replaces us/uk commas with norw./french
+else return utstreng;
+return renset;
+/* END function utdata_rens() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function thousandDiv(tall,us_numberformat)
+{
+// Divides long numbers in groups of three and plave the appropriate delimiter between the groups.
+if (us_numberformat) tusenskille =",";else tusenskille = ".";
+if (isNaN(tall) == false)
+	{
+	var tall = new String(tall);
+	var lengde = tall.length;
+	var nytall = "";
+	while (lengde > 3)
+		{
+ 
+		nytall = tusenskille+tall.substring(lengde-3,lengde)+nytall;
+		lengde = lengde-3;
+ 
+		}
+	if (lengde>0) nytall = tall.substring(0,lengde)+nytall;
+	return nytall;
+	}
+else return tall;
+/* END function thousandDiv() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+ 
+////////////////// FUNCTIONS FOR QUICK-SORT: /////////////////////////////////
+
+
+/* Denne elegante utgaven av Quick Sort bygger i det vesentlige p� en algoritme kopiert
+fra 
+
+http://en.literateprograms.org/Quicksort_(JavaScript)?action=history&offset=20070102180347
+
+Jeg har f�yd til et par paranteser for at den skal kunne sortere matriser.
+
+Fra 'literateprograms' er ogs� denne lisensen:
+
+Copyright (c) 2010 the authors listed at the following URL, and/or
+the authors of referenced articles or incorporated external code:
+http://en.literateprograms.org/Quicksort_(JavaScript)?action=history&offset=20070102180347
+ 
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+he following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
+IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY
+CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT,
+TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE
+SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
+
+*/
+
+
+
+
+function partition(array, begin, end, pivot, kolonne)
+{
+	var piv=array[pivot][kolonne]; 	// Her er VERDIEN som skal sammenliknes
+	array.swap(pivot, end-1);	// Her byttes verdiene p� de to arrayplassene
+	var store=begin;		// 'store' lagrer her indeksen for hvor denne delen av arrayet starter
+	var ix;
+	for(ix=begin; ix<end-1; ++ix) 
+		{
+		if(array[ix][kolonne]<=piv) 
+			{		// Om veriden ved index 'ix' er mindre eller lik verdien ved index 'piv'
+			array.swap(store, ix);
+			++store;
+			}
+		}
+
+	array.swap(end-1, store);
+
+	return store;
+
+/* END function partition() */}
+
+
+
+
+
+
+Array.prototype.swap=function(a, b)
+{
+	var tmp=this[a];
+	this[a]=this[b];
+	this[b]=tmp;
+/* 'prototype.swap'*/}
+
+
+
+
+
+
+function qsort(array, begin, end, kolonne)
+{
+	if(end-1>begin) {
+		var pivot=begin+Math.floor(Math.random()*(end-begin));
+
+		pivot=partition(array, begin, end, pivot, kolonne);
+
+		qsort(array, begin, pivot, kolonne);
+		qsort(array, pivot+1, end, kolonne);
+	}
+/* END function qsort() */}
+
+
+
+
+function quick_sort(array, kolonne)
+{
+// 'kolonne' er den kolonnen matrisen skal sorteres etter.
+
+qsort(array, 1, array.length, kolonne); // Den f�rste raden - rad null - er overskrifter og skal ikke inng� i sorteringen
+
+return array;
+
+/* END function quick_sort() */}
+
+
+
+
+
+
+////////////////// END - FUNCTIONS FOR QUICK-SORT //////////////////////////
+
+
+
+
+
+function polediagram(data,normalize)
+{
+// From http://html5laboratory.com/creating-a-bar-chart-with-canvas.php
+
+graph(data);
+
+		function graph(data) {							
+			var graphCanvas = document.getElementById('graphSpace');
+			// Ensure that the element is available within the DOM
+			if (graphCanvas && graphCanvas.getContext) {
+				// Open a 2D context within the canvas
+				var context = graphCanvas.getContext('2d');
+				context.clearRect(0,0,context.canvas.width,context.canvas.height);
+
+				// Bar chart data
+				/* var data = new Array(5);
+				data[0] = "Rome,200";
+				data[1] = "Dublin,120";
+				data[2] = "London,80";
+				data[3] = "Berlin,230";
+				data[4] = "Valetta,345";*/
+				
+				// Draw the bar chart
+				drawBarChart(context, data, 50, 100, (graphCanvas.height - 20), 50);
+			}
+		}
+		
+		// drawBarChart - draws a bar chart with the specified data
+		function drawBarChart(context, data, startX, barWidth, chartHeight, markDataIncrementsIn) {
+			// Draw the x and y axes
+			context.lineWidth = "1.0";
+			// var startY = 380;
+			var startY = 480;
+			drawLine(context, startX, startY, startX, 30); 
+			drawLine(context, startX, startY, 570, startY);			
+			context.lineWidth = "0.0";
+			var maxValue = 0;
+			for (var i=0; i<data.length; i++) {
+				// Extract the data
+				var values = data[i].split(",");
+				var name = values[0];
+				var height = parseInt(values[1]/normalize);
+				if (parseInt(height) > parseInt(maxValue)) maxValue = height;
+				// Write data to chart
+				context.fillStyle = "#b90000";
+				drawRectangle(context, startX + (i * barWidth) + i, (chartHeight - height), barWidth, height, true);
+				// Add the column title to the x-axis
+				context.textAlign = "left";
+				context.fillStyle = "#000";
+				context.fillText(name, startX + (i * barWidth) + i, chartHeight + 10, 200);				
+			}
+			// Add some data markers to the y-axis
+			var numMarkers = Math.ceil(maxValue  / markDataIncrementsIn);
+			context.textAlign = "right";
+			context.fillStyle = "#000";
+
+			normalizedIncrement = markDataIncrementsIn*normalize;
+			normalizedValue = 0;
+
+			var markerValue = 0;
+			for (var i=0; i<numMarkers; i++) {		
+				context.fillText(normalizedValue, (startX - 5), (chartHeight - markerValue), 50);
+				markerValue += markDataIncrementsIn;
+				
+				normalizedValue += normalizedIncrement;
+				
+			}
+		}		
+		
+		// drawLine - draws a line on a canvas context from the start point to the end point 
+		function drawLine(contextO, startx, starty, endx, endy) {
+			contextO.beginPath();
+			contextO.moveTo(startx, starty);
+			contextO.lineTo(endx, endy);
+			contextO.closePath();
+			contextO.stroke();
+		}
+		
+		// drawRectanle - draws a rectangle on a canvas context using the dimensions specified
+		function drawRectangle(contextO, x, y, w, h, fill) {			
+			contextO.beginPath();
+			contextO.rect(x, y, w, h);
+			contextO.closePath();
+			contextO.stroke();
+			if (fill) contextO.fill();
+		}	
+
+/* END function polediagram() */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function graph(nr)
+{
+/* Makes a graph with data from product number 'nr' */
+
+var res = testbench(nr);
+
+/* We shall draw using the function 'polediagram()' that requires a text array as parameter. Every element is a text where
+the label and the column hight is divided by a delimiter: "Termin 0-34, 5252" 
+
+In 'res' we now have an array like this:
+
+res[0] -> effective annual interest rate
+res[1] -> remainder
+res[2][j] -> array with one 'j' for each segment that is used:
+	res[2][j] = new Array();
+	res[2][j][0] = interval_data[i][0]; 	// x'th interval's periodic payment, rounded without fee
+	res[2][j][1] = interval_data[i][1]; 	// The number of periods the x'th interval consists of
+	res[2][j][2] = interval_data[i][2];	// The periodic fee in the x'th interval
+	res[2][j][3] = interval_data[i][3];	// Remaining pricipal at the end of the x'th interval (adjusted lower segment limit)
+	res[2][j][4] = interval_data[i][4];	// Principal at the start of the x'th interval (upper segment lomit)
+
+*/
+
+var kr,i;
+i = res[2].length-2; // Element zero is requires in 'polediagram()'
+enhet = 1;
+var data = new Array(i);
+for (j=1;j<res[2].length;j++) 
+	{
+	kr = res[2][j][0]+res[2][j][2];
+	/* The column height is maximum 500. Hence, we "normalize" the amount, so that the highest column will be approximately 500: */
+	unit = Math.round(kr/5000)*10;
+	if (Math.round(kr/4000)*10 > unit) unit= Math.round(kr/4000)*10;
+	data[i] = res[2][j][1]+" x "+thousandDiv(Math.round(kr),false)+","+Math.round(kr);
+	i--;
+	}
+document.getElementById("graph_heading").innerHTML = boliglansmatrise[nr][1];
+polediagram(data,unit);
+
+/* END function 'graph()*/}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function emptytozero(parameter)
+{
+/*In the matrix 'boliglansmatrise' data might be ruined or misrepresented. In that case, we use nil. */
+
+if (!isNaN(parameter)) return parameter;
+else if (typeof parameter === 'undefined' || typeof nr == 'undefined' || !parameter || parameter =="" || parameter ==" ") return 0;
+
+/*END function emptytozero()*/}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function cardBench(nr)
+{
+
+/* Testing the credit card function creditCard() with 'live' data from Finansportalen.
+
+
+NAMING CONVENTIONS
+
+Type of fee:
+
+ff - fixed fee
+pf - percentage fee
+ex - exchange fee
+pe - periodic fee (for instance per month, not per transaction)
+
+
+Segment:
+
+lo - low (from low limit)
+hi - high (to high limit)
+
+
+Type of transaction:
+
+cw - cash withdrawal
+pu - purchase
+tr - transfer to account
+mo - mobile payment
+cu - currency withdrawal
+bi - paying bills in the internet bank with your credit card
+
+
+Where:
+
+hb - home bank (user's current bank) cash machine
+ch - at the counter of home bank
+ob - other bank's cash machine
+co - at the counter of other bank
+sh - in a shop
+do - domestically
+eu - abroad, inside europe
+wo - outside europe
+
+
+When:
+
+bh - business hours
+oh - other hours
+
+
+Minimum rule:
+
+mi - the combined fixed and percentage fee can not be lower
+
+
+Segment number:
+
+01, 02, 03 etc
+
+
+Example:
+
+pu_wo_ff_01 	- fixed fee for purchase outside europe, segment one
+pu_wo_pf_01 	- percentage fee for purchase outside europe, segment one
+pu_wo_lo_01 	- lower amount limit for fixed fee for purchase outside europe, segment one
+pu_wo_hi_01 	- higher amount limit for fixed fee for purchase outside europe, segment one
+pu_wo_mi_01 	- minimum amount in fee for the transaction fee for purchase outside europe (sum of fixed and percentage fee)
+pu_wo_ex_01 	- percentage currency exchange fee for purchase outside europe in addition to other fees.
+
+pu_wo		- purchase outside europe
+cw_wo		- cash withdrawals outside Europe
+cw_ch		- cash withdrawal at the counter of home bank
+cw_co		- cash withdrawal at the counter of other bank	
+cu_hb		- currency withdrawal in own bank (cash machine)
+cw_sh		- cash withdrawal in a shop
+tr		- transfer money from your credit card to your ordinary bank account
+bi		- fee for paying bills in the internet bank with the creditcard
+mo		- fee for paying with the mobile phone in a shop
+pu_do 		- fee for domestic purchases
+pu_eu 		- fee for purchases abroad, but within Europe
+o		- origination fee (one time fee at the startup of the card)
+pb		- paper bill in the snail mail
+
+*/
+
+var monthscope;
+
+/* The current Finansportalen Credit Card Calculator computes the intital debt as the sum of the first month's domestic usage and the 
+first year's use abroad. Another approach is to sum up all usage for one year, which is the alternative of this test client: */
+
+if (document.getElementById("fin").checked) monthscope = 1; else monthscope = 12;	// Current Finansportalen scope used?
+		
+
+// Usage pattern, entered by user in the calculator:
+
+
+var am_cw_hb_bh = indata_clean(document.getElementById("am_cw_hb_bh").value, false); 	// Typical withdrawal amount from own bank ("home bank") during business hours
+var nr_cw_hb_bh = document.getElementById("nr_cw_hb_bh").selectedIndex * monthscope;	// x times 
+var am_cw_hb_oh = indata_clean(document.getElementById("am_cw_hb_oh").value, false); 	// Typical withdrawal from own bank when closed
+var nr_cw_hb_oh = document.getElementById("nr_cw_hb_oh").selectedIndex * monthscope;	// x times
+var am_cw_ch = indata_clean(document.getElementById("am_cw_ch").value, false); 		// Typical withdrawal amount from own bank at the counter
+var nr_cw_ch = document.getElementById("nr_cw_ch").selectedIndex * monthscope;		// x times
+var am_cw_sh = indata_clean(document.getElementById("am_cw_sh").value, false); 		// Typical cash withdrawal in a shop
+var nr_cw_sh = document.getElementById("nr_cw_sh").selectedIndex * monthscope;		// x times
+var am_cu_hb = indata_clean(document.getElementById("am_cu_hb").value, false); 		// Typical foreign currency amount withdrawal in own banks cash machine
+var nr_cu_hb = document.getElementById("nr_cu_hb").selectedIndex * monthscope;		// x times
+var am_cw_ob_bh = indata_clean(document.getElementById("am_cw_ob_bh").value, false); 	// Typical withdrawal from other bank during business hours
+var nr_cw_ob_bh = document.getElementById("nr_cw_ob_bh").selectedIndex * monthscope;	// x times
+var am_cw_ob_oh = indata_clean(document.getElementById("am_cw_ob_oh").value, false); 	// Typical withdrawal from other bank when closed
+var nr_cw_ob_oh = document.getElementById("nr_cw_ob_oh").selectedIndex * monthscope;	// x times
+var am_cw_co = indata_clean(document.getElementById("am_cw_co").value, false); 		// Typical withdrawal from other bank at the counter
+var nr_cw_co = document.getElementById("nr_cw_co").selectedIndex * monthscope;		// x times
+var am_cw_eu = indata_clean(document.getElementById("am_cw_eu").value, false); 		// Typical withdrawal abroad, but inside Europe
+var nr_cw_eu = document.getElementById("nr_cw_eu").selectedIndex;			// x times
+var am_cw_wo = indata_clean(document.getElementById("am_cw_wo").value, false); 		// Typical withdrawal outside Europe
+var nr_cw_wo = document.getElementById("nr_cw_wo").selectedIndex;			// x times
+var am_pu_do = indata_clean(document.getElementById("am_pu_do").value, false); 		// Purchase domestically 
+var nr_pu_do = document.getElementById("nr_pu_do").selectedIndex;			// x times
+var am_pu_eu = indata_clean(document.getElementById("am_pu_eu").value, false); 		// Purchase abroad, but inside Europe
+var nr_pu_eu = document.getElementById("nr_pu_eu").selectedIndex;			// x times
+var am_pu_wo = indata_clean(document.getElementById("am_pu_wo").value, false); 		// Purchase outside Europe
+var nr_pu_wo = document.getElementById("nr_pu_wo").selectedIndex;			// x times
+var am_tr = indata_clean(document.getElementById("am_tr").value, false); 		// Transfer from credit card to ordinary account 1)
+var nr_tr = document.getElementById("nr_tr").selectedIndex;				// x times
+var am_bi = indata_clean(document.getElementById("am_bi").value, false); 		// Payment of bills from the credit card account 1)
+var nr_bi = document.getElementById("nr_bi").selectedIndex;				// x times
+var am_mo = indata_clean(document.getElementById("am_mo").value, false); 		// Payment with mobile phone 1)
+var nr_mo = document.getElementById("nr_mo").selectedIndex;				// x times
+var payb_months = indata_clean(document.getElementById("pt").value, false); 		// Loan to be paid down to zero over this number of months
+
+
+
+// Illustrative fees, entered by us in calculator (currently not in database, but planned for a new "Datafanger"):
+
+var ans = readfees(am_cw_wo, 'cw_wo');
+var cw_wo_ff = ans[0];	// Fixed fee for cash withdrawals abroad outside Europe
+var cw_wo_pf = ans[1];	// Percentage fee for cash withdrawals abroad outside Europe
+
+ans = readfees(am_pu_wo, 'pu_wo');
+var pu_wo_ff = ans[0];	// Fixed fee purchase abroad outside Europe
+var pu_wo_pf = ans[1];	// Percentage fee purchase  abroad outside Europe
+
+ans = readfees(am_cw_ch, 'cw_ch');
+var cw_ch_ff = ans[0];	// Fixed fee for cash withdrawal at own bank's counter
+var cw_ch_pf = ans[1];	// Percentage fee for cash withdrawal at own bank's counter
+
+ans = readfees(am_cw_co, 'cw_co');
+var cw_co_ff = ans[0];	// Fixed fee for cash withdrawal at other bank's counter
+var cw_co_pf = ans[1];	// Percentage fee for cash withdrawal at other bank's counter
+
+ans = readfees(am_cu_hb, 'cu_hb');
+var cu_hb_ff = ans[0];	// Fixed fee for currency withdrawal in own bank's cash machine. (NOT an exchange fee).
+var cu_hb_pf = ans[1];	// Percentage fee for currency withdrawal in own bank's cash machine. (NOT an exchange fee).
+
+ans = readfees(am_tr, 'tr');
+var tr_ff = ans[0];	// Fixed fee for transfering cash from credit card to bank account
+var tr_pf = ans[1];	// Percentage fee for transfering cash from credit card to bank account
+
+ans = readfees(am_bi, 'bi');
+var bi_ff = ans[0];	// Fixed fee when paying bills from the credit card in the internet bank
+var bi_pf = ans[1];	// Percentage fee when paying bills from the credit card in the internet bank
+
+ans = readfees(am_mo, 'mo');
+var mo_ff = ans[0];	// Fixed fee when paying with the mobile phone, charging the credit card
+var mo_pf = ans[1];	// Percentage fee when paying with the mobile phone, charging the credit card
+	
+ans = readfees(am_cw_sh, 'cw_sh');
+var cw_sh_ff = ans[0];	// Fixed fee when withdrawing cash in a shop
+var cw_sh_pf = ans[1];	// Percentage fee when withdrawing cash in a shop
+
+ans = readfees(am_pu_eu, 'pu_eu');
+var pu_eu_ff = ans[0];	// Fixed fee for international purchases inside Europe 
+var pu_eu_pf = ans[1];	// Percentage fee for international purchases inside Europe 
+
+ans = readfees(am_cw_wo, 'cw_wo');
+var cw_wo_ff = ans[0];	// Fixed fee for cash withdrawals outside Europe 
+var cw_wo_pf = ans[1];	// Percentage fee for cash withdrawals outside Europe 
+
+var pe_pf = indata_clean(document.getElementById("pe_pf_01").value, false);		// Periodic (monthly) fee as percentage of credit limit ONLY PERCENTAGE IN INTERFACE!!!
+
+var pu_do_pf = indata_clean(document.getElementById("pu_do_pf_01").value, false);	// Percentage fee for domestic purchases
+
+var pb_ff = indata_clean(document.getElementById("pb_ff").value, false); // Fee for receiving paper bills in the snail mail
+
+var o_ff = indata_clean(document.getElementById("o_ff").value, false);			// Origination fee (one-time fixed fee paid when establishing the credit line)
+
+var round_direction = document.getElementById("round_rule").selectedIndex;		// Nearest, up, or down?
+
+var round_presision = document.getElementById("round_pres").selectedIndex;		// Nearest whole currency unit og 1/100 of this?
+
+var remainder_handling = document.getElementById("rem_place").selectedIndex;		// Add remainder to last term og discard?
+
+
+
+// Miscancellous:
+
+var paperbill = document.getElementById("snail").checked;				// Monthly bills in the snail mail? (Yes/No)	RATHER AS USER DATA?
+var creditlimit = indata_clean(document.getElementById("limit").value, false);		// My real or assumed credit limit		RATHER AS USER DATA?
+
+
+// Administrator rules:
+
+var cash_increase = indata_clean(document.getElementById("ic").value, false); 		// Increase cash interest rate by this amount (as an illustration) 2)
+var include_currency = document.getElementById("currfee").checked; 			// As default, currency exchange fees are not included in effective interest rate, only in total payment. If 'include_currency' == true, it is included also in effective rate.
+
+
+// Net cash withdrawals and net purchases (before fees):
+
+
+var sum_cash = am_cw_hb_bh * nr_cw_hb_bh;	// Cash withdrawal and fees from own bank during business hours
+sum_cash += am_cw_hb_oh * nr_cw_hb_oh;		// Cash withdrawal and fees from own bank outside business hours
+sum_cash += am_cw_ch * nr_cw_ch;		// Cash withdrawal and fees when withdrawing at counter at own bank
+sum_cash += am_cw_sh * nr_cw_sh;		// Cash withdrawal and fees when withdrawing cash in a shop
+sum_cash += am_cu_hb * nr_cu_hb;		// Domestic currency withdrawal in own bank's machine
+sum_cash += am_cw_ob_bh * nr_cw_ob_bh;		// Domestic cash machine withdrawal during other bank's opening hours	
+sum_cash += am_cw_ob_oh * nr_cw_ob_oh;		// Domestic cash machine withdrawal when other bank is closed	
+sum_cash += am_cw_co * nr_cw_co;		// Domestic withdrawal at the counter of other bank
+sum_cash += am_cw_eu * nr_cw_eu;		// Cash withdrawal in Europe outside Norway
+sum_cash += am_cw_wo * nr_cw_wo;		// Cash withdrawal outside Europe
+
+// Transfer to own account and bill payment are currently categorized as cash withdrawals: MUST BE MAPPED TO CURRENT DB VALUES
+
+sum_cash += am_tr * nr_tr;			// Transfer to own account from credit card account
+sum_cash += am_bi * nr_bi;			// Bill payment from credit card account
+
+
+var sum_purc = am_pu_do * nr_pu_do;		// Domestic purchase	
+sum_purc += am_pu_eu * nr_pu_eu;		// Purchase in Europe (except home country)	
+sum_purc += am_pu_wo * nr_pu_wo;		// Purchase outside Europa
+
+// Mobile payment is currently categorized as a purchase:
+
+sum_purc += am_mo * nr_mo;		// Mobile payment
+
+
+// Variables outside the loop:
+
+var i;
+var resarray = new Array();
+var num_cards = creditmatrix.length;
+
+// Variables which are assigned new values for each bank while looping through the database:
+
+var issuer, cardname, an_ff, an_pf, nom_rate_purc, rateperiod_purch, rateperiod_purch, interestfree_days;
+var pe_ff, cw_hb_bh_ff, cw_hb_oh_ff, cw_ob_bh_ff, cw_ob_oh_ff;
+var cw_do_pf, cw_eu_pf, cw_eu_ff, ex_eu_pf, pu_do_ff, pu_eu_ff;
+
+var pfee_change;
+var sum_cash_trans_fees, sum_purc_trans_fees, nom_rate_cash;
+var term_fee;	 
+
+
+// The loop:
+var pureResults = [];
+for (i=1;i<num_cards;i++)
+	{
+
+	// Reading card prices and terms from database 'creditmatrix' into the variables:
+
+
+	issuer = emptytozero(creditmatrix[i][1]);
+	cardname = emptytozero(creditmatrix[i][3]);
+	an_ff = emptytozero(creditmatrix[i][6]);		// Fixed annual fee for holding the credit card, always paid in advance
+	an_pf  = emptytozero(creditmatrix[i][7]);		// Percentage annual fee for holding the credit card, as percentage of the credit limit, paid in advance
+	nom_rate_purc = emptytozero(creditmatrix[i][8]);	// Nominal interest rate for purchases (for everything unless a separate rate for cash is provided)
+	rateperiod_purc  = creditmatrix[i][9];			// The scope of the provided interest rate - month ("mnd") or year ("aar")
+	interestfree_days = emptytozero(creditmatrix[i][10]);	// Maximum number of interest free days for purchases
+	pe_ff = emptytozero(creditmatrix[i][11]);		// Fixed periodic fee to be paid with any downpay term, normally monthly.
+	cw_hb_bh_ff = emptytozero(creditmatrix[i][16]);		// Fixed fee, cash withdrawal from own bank during opening hours
+	cw_hb_oh_ff = emptytozero(creditmatrix[i][15]); 	// Fixed fee, cash withdrawal from own bank outside opening hours
+	cw_ob_bh_ff = emptytozero(creditmatrix[i][14]); 	// Fixed fee, cash withdrawal from other bank during opening hours
+	cw_ob_oh_ff = emptytozero(creditmatrix[i][13]);  	// Fixed fee, cash withdrawal from other bank outside opening hours
+	cw_do_pf = emptytozero(creditmatrix[i][17]); 		// Percentage fee, domestic cash withdrawal as a percentage of the withdrawal
+	cw_eu_pf = emptytozero(creditmatrix[i][19]);  		// Percentage fee, cash withdrawal abroad as a percentage of the withdrawal (in addition to an eventual currency fee)
+	cw_eu_ff = emptytozero(creditmatrix[i][20]);  		// Fixed fee, cash withdrawal abroad (fixed sum)
+	ex_eu_pf = emptytozero(creditmatrix[i][21]); 		// Percentage exchange fee, cash withdrawal abroad (percentage)
+	pu_do_ff = emptytozero(creditmatrix[i][23]); 		// Fixed fee purchase, domestically
+	pu_eu_ff = emptytozero(creditmatrix[i][24]);		// Fixed fee purchase abroad
+	minpay_perc = emptytozero(creditmatrix[i][25]); 	// Minimum, monthly payment as a percentage of used credit
+	minpay_units = emptytozero(creditmatrix[i][26]);	// Minimum, monthly payment in currency units (for example NOK)
+
+
+	// Should we include the currency exchange fee in the computation of effective interest rate? (It's still included in the total sum payed)
+
+	if (include_currency) pfee_change = ex_eu_pf; else pfee_change = 0;
+
+
+	// Fallback to common fees if illustrative fields (planned for a new "Datafanger") are empty:
+
+	if (cw_wo_ff == "" || cw_wo_ff == "0") cw_wo_ff = cw_eu_ff;		// General 'european' fixed cash withdrawal fee is applied to all foreign countries	
+	if (cw_wo_pf == "" || cw_wo_pf == "0") cw_wo_pf = cw_eu_pf;		// General 'european' percentual cash withdrawal fee is applied to all foreign countries
+	if (pu_wo_ff == "" || pu_wo_ff == "0") pu_wo_ff = pu_eu_ff;		// General 'european' fixed purchase fee is applied to all foreign countries	
+	if (pu_wo_pf == "" || pu_wo_pf == "0") pu_wo_pf = pu_eu_pf;		// General 'european' percentual purchase fee is applied to all foreign countries
+	if (cw_ch_ff == "" || cw_ch_ff == "0") cw_ch_ff = cw_hb_bh_ff;		// Normal fixed atm fee, when no separate fee is provided for withdrawal at own bank's counter
+	if (cw_ch_pf == "" || cw_ch_pf == "0") cw_ch_pf = cw_do_pf;		// Normal perc. atm fee, when no separate fee is provided for withdrawal at own bank's counter
+	if (cw_sh_ff == "" || cw_sh_ff == "0") cw_sh_ff = cw_hb_bh_ff;		// Normal fixed atm fee, when no separate fee is provided for withdrawal in a shop
+	if (cw_sh_pf == "" || cw_sh_pf == "0") cw_sh_pf = cw_do_pf;		// Normal perc. atm fee, when no separate fee is provided for withdrawal in a shop
+	if (cu_hb_ff == "" || cu_hb_ff == "0") cu_hb_ff = cw_hb_bh_ff;		// Normal fixed atm fee, when no separate fee is provided for currency withdrawal
+	if (cu_hb_pf == "" || cu_hb_pf == "0") cu_hb_pf = cw_do_pf;		// Normal perc. atm fee, when no separate fee is provided for currency withdrawal
+	if (cw_co_ff == "" || cw_co_ff == "0") cw_co_ff = cw_hb_bh_ff;		// Normal fixed atm fee, when no separate fee is provided for withdrawal at other bank's counter
+	if (cw_co_pf == "" || cw_co_pf == "0") cw_co_pf = cw_do_pf;		// Normal perc. atm fee, when no separate fee is provided for withdrawal at other bank's counter
+	if (pu_wo_ff == "" || pu_wo_ff == "0") pu_wo_ff = pu_eu_ff;		// Normal fixed fee for purchases abroad applied if no separate "extraeuropean" fee is provided	
+	if (pu_wo_pf == "" || pu_wo_pf == "0") pu_wo_pf = pu_eu_pf;		// Normal perc. fee for purchases abroad applied if no separate "extraeuropean" fee is provided	
+	if (mo_ff == "" || mo_ff == "0") mo_ff = pu_do_ff;			// Normal fixed fee for purchases with mobile phone if no separate fee is provided
+	if (mo_pf == "" || mo_pf == "0") mo_pf = pu_do_pf;			// Normal perc. fee for purchases with mobile phone if no separate fee is provided
+	
+
+	// (If fee for transfer to own account and fee for bill payment is not provided, it will here be considered free - nil)
+	
+	// Cash withdrawal transaction dependant fees, using function 'sumfees(sum, times, fixedfee, percentfee)':
+
+	sum_cash_trans_fees = sumfees(am_cw_hb_bh, nr_cw_hb_bh, cw_hb_bh_ff, cw_do_pf);			// Fee, cash withdrawal and fees from own bank during business hours
+	sum_cash_trans_fees += sumfees(am_cw_hb_oh, nr_cw_hb_oh, cw_hb_oh_ff, cw_do_pf);		// Fee, cash withdrawal and fees from own bank outside opening hours
+	sum_cash_trans_fees += sumfees(am_cw_ch, nr_cw_ch,  cw_ch_ff,  cw_ch_pf);			// Fee, cash withdrawal and fees when withdrawing at counter at own bank
+	sum_cash_trans_fees += sumfees(am_cw_sh, nr_cw_sh, cw_sh_ff, cw_sh_pf);				// Fee, cash withdrawal and fees when withdrawing cash in a shop
+	sum_cash_trans_fees += sumfees(am_cu_hb, nr_cu_hb, cu_hb_ff, eval(cu_hb_pf)+eval(pfee_change));	// Fee, domestic currency withdrawal in own bank's machine
+	sum_cash_trans_fees += sumfees(am_cw_ob_bh, nr_cw_ob_bh, cw_ob_bh_ff, cw_do_pf);		// Fee, domestic cash machine withdrawal during other bank's opening hours	
+	sum_cash_trans_fees += sumfees(am_cw_ob_oh, nr_cw_ob_oh, cw_ob_oh_ff, cw_do_pf);		// Fee, domestic cash machine withdrawal when other bank is closed	
+	sum_cash_trans_fees += sumfees(am_cw_co, nr_cw_co, cw_co_ff, cw_co_pf);				// Fee, domestic withdrawal at the counter of other bank
+	sum_cash_trans_fees += sumfees(am_cw_eu, nr_cw_eu, cw_eu_ff, eval(cw_eu_pf)+eval(pfee_change));	// Fee, cash withdrawal in Europe outside Norway
+	sum_cash_trans_fees += sumfees(am_cw_wo, nr_cw_wo, cw_wo_ff, eval(cw_wo_pf)+eval(pfee_change));	// Fee, cash withdrawal outside Europe
+
+
+	// Fees for transfer to own account and bill payment are currently categorized as cash withdrawals:
+
+	sum_cash_trans_fees += sumfees(am_tr, nr_tr, tr_ff, tr_pf);					// Transfer to own account from credit card account
+	sum_cash_trans_fees += sumfees(am_bi, nr_bi, bi_ff, bi_pf);					// Bill payment from credit card account
+
+
+	// Transaction fees pertaining to purchases:
+
+	sum_purc_trans_fees = sumfees(am_pu_do, nr_pu_do, pu_do_ff, pu_do_pf);				// Domestic purchase fees	
+	sum_purc_trans_fees += sumfees(am_pu_eu, nr_pu_eu, pu_eu_ff, eval(pu_eu_pf)+eval(pfee_change));	// Fee, purchase in Europe (except home country) f	
+	sum_purc_trans_fees += sumfees(am_pu_wo, nr_pu_wo, pu_wo_ff, eval(pu_wo_pf)+eval(pfee_change));	// Fee, purchase outside Europa
+	sum_purc_trans_fees += sumfees(am_mo, nr_mo, mo_ff, mo_pf);					// Fee, mobile payment
+
+
+	/* For each monthly payment, there might be "payback fees": One fixed fee is common. There are also companies charging a monthly fee as a 
+	a percentage of the credit limit. Normal fees usually pertain to the debt being serviced electronically. If you want a paper bill, there is
+	an additional fee for that. We collect all these sums, that don't change during the payment period, in the variable 'term_fee':*/
+
+	term_fee = eval(pe_ff) + (pe_pf * creditlimit / 100); // Term fee
+
+	if (paperbill) term_fee += eval(pb_ff); // Paper bill fee
+
+	/* The percentage annual fee, an_pf, is computed as a fraction of the credit limit. The credit limit is assumed fixed throughout the loan period, thus the 
+	fee is fixed too. Hence, we can add it to the fixed fee: */
+
+	ann_fee = an_ff +  (an_pf * creditlimit / 100);
+
+	
+	/*  Annual interest rates for purchase and cash withdrawal
+
+	Mathematically, it is incorrect to simply multiply the monthly interest rate with 12 to obtain the annual interest rate. This is still done here, 
+	in order to mirror what both the companies that report monthly rate and the companies that report annual rate actually do: A company reporting
+	6% annual, nominal interest rate will charge 0.5% per month (6/12). This is not mathematically correct, as this method does not encompass the 
+	compounded interest rate at each capitalization within each year. But as long as this is how the bank actually acts, we will only be able to 
+	compute the correct monthly payment by doing likewise. For symmetry, we also multiply monthly rates with 12. */	
+
+	if (rateperiod_purc == "mnd") nom_rate_purc = nom_rate_purc * 12;	// "mnd" means month. As of July 2013, this is the common rate for purchase and withdrawals.	
+
+
+	// Separate nominal rate for cash withdrawals is currently not harvested. But for testing, we can add a common increment in the calculator:
+
+	if (isNaN(cash_increase) || cash_increase == 0) nom_rate_cash = nom_rate_purc;
+	else nom_rate_cash = eval(nom_rate_purc) + eval(cash_increase);
+
+	// Using function creditCard(cash, purchase, numberofmonths, interestfree_days, round_direction, round_presision, remainder_handling, ignore_origination, fee_cash_transaction, fee_purc_transaction,fee_origination, fee_annual, fee_period, rate_cash, rate_purchase)
+	
+	er = creditCard(sum_cash, sum_purc, payb_months, interestfree_days, round_direction, round_presision, remainder_handling, false, sum_cash_trans_fees, sum_purc_trans_fees, o_ff, ann_fee, term_fee, nom_rate_cash, nom_rate_purc, minpay_perc, minpay_units);
+    pureResults.push(er);
+	
+	/* The function returns an array:
+
+	er[0] -> Effective, annual interest rate without taking an eventual interest free period into account ("government template")
+	er[1] -> The monthly payment, when we apply the "government template"
+	er[2] -> Effective, annual interest rate when taking an eventual interest free period into account
+	er[3] -> The monthly payment when we take the interest free period into account
+	er[4] -> The remainder
+
+
+	Putting the results into a result array / matrix: */
+
+	resarray[i] = new Array();
+
+	resarray[i][0] = "<a href="+creditmatrix[i][0]+">"+creditmatrix[i][1]+"</a>";
+
+	if (!Array.isArray(er)) resarray[i][1] = 1000000;	// function 'creditCard()' returned an error code
+	else
+		{
+	
+	
+		resarray[i][1] = eval(er[3]);	// The monthly payment when we take the interest free period into account
+	
+		resarray[i][2] = eval(er[1]);	// Monthly payback amount, computed according to the government method
+	
+		resarray[i][3] = eval(er[0]);	// Effective, annual interest rate (EAPR), computed according to the government method
+
+		var total = er[1] * payb_months;// THe monthly payback, multiplied with the number of months
+
+		total += eval(er[4]);		// Adding the remainder (netgative number -> in favour of the customer)
+	
+		resarray[i][4] = total; 	// The total sum paid is the (annuity x number of periods) + remainder
+	
+		resarray[i][5] = eval(er[2]);	// Effective, annual interest rate when taking an eventual interest free period into account
+
+		}
+	}
+
+var jsonResultFormat = [];
+for(var i = 0; i < pureResults.length; i++) {
+    var curResult = pureResults[i];
+    if(isNaN(curResult)) {
+	    jsonResultFormat.push({
+	        governmentEffectiveRate: curResult[0],
+	        governmentMonthlyPayment: curResult[1],
+	        effectiveRate: curResult[2],
+	        monthlyPayment: curResult[3],
+	        remainder: curResult[4]
+	    });
+    } else {
+        jsonResultFormat.push({
+            error: -11
+        });
+    }
+}
+
+console.log(JSON.stringify(jsonResultFormat, null, "\t"));
+
+// Sorting resultmatrix 'resarray':
+
+resarray = quick_sort(resarray, 1);
+
+// Placing values from 'resarray' into the html table 'tabletext':
+
+var tabletext = "<table><tr><td>Net cash withdrawals: </td><td align=right>"+sum_cash+"</td><td>&nbsp;</td><td>Net purchases: </td><td align=right>"+sum_purc+"</td><td colspan=2>&nbsp;</td></tr>";
+tabletext +="<tr><td colspan = 7>&nbsp;</td></tr>";
+tabletext +='<tr style="font-weight: bold; vertical-align:text-top"><td>Company</td><td title="Monthly payback amount, computed according to a model provided by the consumer ombudsman">Government rules payment</td><td title="Effective, annual interest rate (EAPR), computed according to a model provided by the consumer ombudsman">Government rules rate</td><td title="Monthly payment where the interest free period is taken into account.">"Real" payment</td><td title="Effective interest rate where the interest free period is taken into account.">"Real" rate</td><td title="According to a realistic payback schedule, interest free periods taken into account">Total amount paid</td></tr>';
+
+for (i=1;i<resarray.length;i++) 
+	{
+
+	if (resarray[i][1] == 1000000) tabletext +="<tr><td>"+resarray[i][0]+"</td><td colspan = 6>Velg kortere l�petid!  / Choose shorter payback period!</td></tr>";
+
+	else tabletext +="<tr><td>"+resarray[i][0]+"</td><td>"+resarray[i][2]+"</td><td>"+resarray[i][3]+"</td><td>"+resarray[i][1]+"</td><td>"+resarray[i][5]+"</td><td>"+resarray[i][4]+"</td></tr>\r\n";
+
+	}
+
+	tabletext +="</table>";
+
+// Writing 'tabletext'out in a 'div':
+
+document.getElementById("sumfield").innerHTML = tabletext;
+
+/* END function 'cardBench()' */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function readfees(usesum, feename)
+{
+/* Reads and computes fees orginataing from "administrator" user interface. In this preliminary test client, the fixed fee and the percentage
+fee are both returned as price and percentage, respectively. This is the case, even it there might be several segments of the fee. */
+
+var fixedfee, pecentagefee,currencyfee;
+
+var highname = feename+"_hi_01";
+if (document.getElementById(highname)) var highlimit = document.getElementById(highname).value; // Normally "Unlimited", but might have a value, in which case there are more segments.
+
+var fixedname = feename+"_ff_01";
+if (document.getElementById(fixedname)) fixedfee = document.getElementById(fixedname).value;
+else fixedfee = 0;
+
+var percentname = feename+"_pf_01";
+if (document.getElementById(percentname)) percentagefee = document.getElementById(percentname).value;
+else percentagefee = 0;
+
+var currname = feename+"_ex_01";
+if (document.getElementById(currname)) currencyfee = document.getElementById(currname).value;
+else currencyfee = 0;
+
+if (feename == "pe_pf") alert(feename);
+
+i=2;
+
+while (isNaN(highlimit) == false && eval(highlimit) < usesum) // If "highlimit" is numeric, and the value smaller than our withdrawal / purchase..
+	{
+
+	highname = feename+"_hi_0"+i;
+ 	highlimit = document.getElementById(highname).value; // Normally "Unlimited", but might have a value, in which case there are more segments.
+
+	fixedname = feename+"_ff_0"+i;
+	fixedfee = document.getElementById(fixedname).value;
+
+	percentname = feename+"_pf_0"+i;
+	percentagefee = document.getElementById(percentname).value;
+
+	currname = feename+"_ex_0"+i;
+	currencyfee = document.getElementById(currname).value;
+
+	i++;
+
+	}
+
+ff = fixedfee;					// We don't sum the fixed fee over the segments. Only one is valid.
+pf = (eval(percentagefee) + eval(currencyfee));	// These two fees are percentages of the same amount
+
+var minname = feename+"_mi_0"+(i-1);
+var minvalue = eval(document.getElementById(minname).value);
+
+var sumfees = eval(ff) + eval(pf * usesum/100);
+
+/* If the sum of the percentage fee and the fixed fee does not surpass the minimum fee, we use the minimum fee as fixed fee
+and set the percentage fee to zero. In other words: In our interpretation, the minimum applies to the sum of all fees. */
+
+if (sumfees < minvalue) answ = new Array(minvalue, 0);
+else answ = new Array(ff, pf);
+
+return answ;
+
+/* END function 'readfees()'*/}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function showandadd(sum, times, fixedfee, percentfee, postname, prodnr)
+{
+if (sum > 0 && times > 0) return (eval(sum) + eval(fixedfee) + sum*percentfee/100) * times;
+
+else return 0;
+
+/*END 'showandadd' */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function sumfees(sum, times, fixedfee, percentfee)
+{
+if (times > 0 && sum > 0) return  times * (eval(fixedfee) + eval(sum*percentfee/100));
+else return 0;
+
+/*END 'sumfees' */}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function addaRow(caller)
+{
+/* This function adds a row in the preliminary "datafanger" for this test client. The purpose is to be able to present fees in different
+segments of the withdrawal / purchase amount */
+
+// We retrive the number of the input the caller resides in:
+
+var idnum = eval((caller.id.substring(caller.id.length-2,caller.id.length)).valueOf());
+
+// The new row is going to have one number higher:
+
+idnum++;
+
+if (idnum < 10) idnum = "0"+idnum;					// Increasing id number by one
+
+var cellnums = caller.parentNode.parentNode.parentNode.cells.length; 	// The grand-grand father of the input element is the table row
+var clonerow = caller.parentNode.parentNode.parentNode.cloneNode(true);	// Row copied from the calling row
+var newRow = caller.parentNode.parentNode.parentNode.parentNode.insertRow(eval(caller.parentNode.parentNode.parentNode.rowIndex)+eval(1));
+
+// We fill the new row with cells copied from the first:
+
+var oldChild, newChild, newC;
+
+for (i=0;i<cellnums;i++) 
+	{
+
+	oldChild = newRow.insertCell(i);
+	newChild = clonerow.cells[i].cloneNode(true);
+	newC = newRow.replaceChild(newChild,oldChild);
+	if (i == 0) 
+		{
+		newRow.cells[i].setAttribute('title', 'The upper limit of the last/highest segment must be "Unlimited".'); 
+		newRow.cells[i].innerHTML = "";	// The added rows don't need to copy the lead text
+		}
+	}
+
+// We give the new input elements new id's:
+
+var inputnum = newRow.getElementsByTagName('input').length;
+
+var oldId, oldIdTxt, minid, maxid;
+
+for (i=0;i<inputnum;i++) 
+	{
+
+	oldId = newRow.getElementsByTagName('input')[i].getAttribute("id");		// Retrive the id of the input element in the old row
+
+	oldIdTxt = oldId.substring(0 , oldId.length-2);					// Retrive the text part of the id (that always ends in a two digit number)
+
+	newRow.getElementsByTagName('input')[i].setAttribute("id", oldIdTxt+idnum);	// Give the corresponding input element in the new row new id
+
+	if (oldId.indexOf("lo") !=-1) minid = oldIdTxt+idnum;	// Remember the id of the input containing the minimum value
+		
+	if (oldId.indexOf("hi") !=-1) maxid = oldIdTxt+idnum;	// Remember the id of the input containing the maximum value
+
+	}
+
+// Assigning the maximum value of the old row to the minimum value in the new:
+
+document.getElementById(minid).value = document.getElementById(maxid).value;
+
+document.getElementById(maxid).value = "Unlimited";
+
+
+// Attaching some style to the new row:
+
+newRow.setAttribute('class', 'grey');
+
+
+// Adding a close-option to the new row
+
+newRow.cells[cellnums-1].innerHTML='<a target=javascript(void) onClick=deleteaRow(this) style="font-weight: bold; color: red;"><b><u>&nbsp;x&nbsp;</u></b></a>';
+
+
+// The old row should not be able to create a new row:
+
+var oldinput =  caller.parentNode.parentNode.parentNode.cells[2].getElementsByTagName('input')[0];
+
+oldinput.setAttribute("onchange", "");
+
+
+// Only the new row should have a closing option. It the old had one, we remove it:
+
+
+if (caller.parentNode.parentNode.parentNode.cells[cellnums-1].getElementsByTagName('a')[0])
+	{
+
+	var oldclose = caller.parentNode.parentNode.parentNode.cells[cellnums-1].getElementsByTagName('a')[0];
+
+	oldclose.outerHTML = "";
+
+	}
+
+
+/* END function 'addaRow()'*/}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+function deleteaRow(caller)
+{
+/* This function deletes a row in the preliminary "datafanger" for this test client.  */
+
+// We retrive the number of the input the caller resides in:
+
+var thisrow = caller.parentNode.parentNode.parentNode.rows[caller.parentNode.parentNode.rowIndex];	// A reference to this row
+var prevrow = caller.parentNode.parentNode.parentNode.rows[caller.parentNode.parentNode.rowIndex-1];	// A reference to the previous row
+	
+var thisId = thisrow.cells[2].childNodes[0].getElementsByTagName('input')[0].id;			// The id of cells[2]'s input element in this row
+var preId = prevrow.cells[2].childNodes[0].getElementsByTagName('input')[0].id;				// The id of cells[2]'s input element in the previous row
+
+var thisIdNum = eval(thisId.substring(thisId.length-2,thisId.length).valueOf());			// The appended number at the end of the id.
+
+
+waste = caller.parentNode.parentNode;
+waste.parentNode.removeChild(waste); 
+
+/* We want new rows - that are designed to present additional fee segments - to be opened chronogically and closed in the opposite sequence.
+
+Thus, only the last created row will have a closing option. And only the same row can create a new row under it. 
+
+If 'idnum' is higher than two, the deleting order orginates from a row previously created with addaRow() where the previous
+
+row lacks a closing option. For the user to be able to close it, we must add bot a closing and a "create new" option to the previous row. */
+
+
+if (thisIdNum > 2) prevrow.cells[prevrow.cells.length-1].innerHTML='<a target=javascript(void) onClick=deleteaRow(this) style="font-weight: bold; color: red;"><b><u>&nbsp;x&nbsp;</u></b></a>';
+
+if (thisIdNum > 1) document.getElementById(preId).setAttribute("onChange", "addaRow(this)");
+
+
+
+
+}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+ -->
+</script>
+<style>
+body {font-family: arial; font-size: 9pt}
+table {font-size: 9pt;width: 1000px}
+h2 {font-size: 16pt}
+input[type="text"] {width: 100px; text-align:right}
+select {width: 400px}
+.gul {background: #ffffdd}
+.grey {background: #dedede}
+.ros  {background: #99ffff}
+.labeltext {width: 430px}
+.numselect {width:40px;text-align:left}
+#graphSpace { margin-left:80px; }
+</style>
+</head>
+<body>
+
+
+
+
+
+<h2>Credit card</h2>
+<a href="http://jiffymade.com/dev/fp/lag_kredittkort_data.php">Refresh credit card data</a> (takes a few seconds).
+<table border="0">
+<tbody><tr class="gul"><td colspan="8" class="labeltext"><b><i>Cash withdrawals:</i></b></td></tr>
+
+
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic cash machine withdrawal during own bank's opening hours</td><td style="{width:120px}"><input id="am_cw_hb_bh" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_hb_bh" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic cash machine withdrawal from own bank when it is closed</td><td><input id="am_cw_hb_oh" value="1000" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_hb_oh" class="numselect"><option value="0">0</option><option selected="selected" value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic cash withdrawal at the counter of own bank</td><td><input id="am_cw_ch" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_ch" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic cash withdrawal in shop</td><td><input id="am_cw_sh" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_sh" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic currency withdrawal in own bank's machine</td><td><input id="am_cu_hb" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cu_hb" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic cash machine withdrawal during other bank's opening hours</td><td><input id="am_cw_ob_bh" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_ob_bh" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic cash machine withdrawal when other bank is closed</td><td><input id="am_cw_ob_oh" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_ob_oh" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each domestic withdrawal at the counter of other bank</td><td><input id="am_cw_co" type="text"></td><td colspan="2">Withdrawals per month</td><td title="The number of withdrawals per month"><select id="nr_cw_co" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each cash withdrawal in Europe outside Norway</td><td><input id="am_cw_eu" value="1000" type="text"></td><td colspan="2">Withdrawals per year</td><td title="The number of withdrawals per year"><select id="nr_cw_eu" class="numselect"><option value="0">0</option><option selected="selected" value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is withdrawn each time."><td colspan="3" class="labeltext">Each cash withdrawal outside Europe</td><td><input id="am_cw_wo" <="" td="" type="text"></td><td colspan="2">Withdrawals per year</td><td title="The number of withdrawals per year"><select id="nr_cw_wo" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul"><td colspan="8" class="labeltext"><i><b>Purchases:</b></i></td></tr>
+
+<tr class="gul" title="Provide the typical amount that is used for purchase each time."><td colspan="3" class="labeltext">Each domestic purchase</td><td><input id="am_pu_do" value="1000" type="text"></td><td colspan="2">Purchases per month</td><td title="The number of purchases per month"><select id="nr_pu_do" class="numselect"><option value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option selected="selected" value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is used for purchase each time."><td colspan="3" class="labeltext">Each purchase in Europe outside Norway</td><td><input id="am_pu_eu" value="1000" type="text"></td><td colspan="2">Purchases per year </td><td title="The number of purchases per year"><select id="nr_pu_eu" class="numselect"><option value="0">0</option><option value="1">1</option><option value="2">2</option><option selected="selected" value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that is used for purchase each time."><td colspan="3" class="labeltext">Each purchase outside Europe</td><td><input id="am_pu_wo" type="text"></td><td colspan="2">Purchases per year </td><td title="The number of purchases per year"><select id="nr_pu_wo" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul"><td colspan="8" class="labeltext"><i><b>Bills, mobile, transfer:</b></i></td></tr>
+
+<tr class="gul" title="Provide the typical amount you might transfer from the credit card to your ordinary bank account (currently unsupported in Datafanger)."><td colspan="3" class="labeltext">Each transfer to account</td><td><input id="am_tr" type="text"></td><td colspan="2">Transfers per year </td><td title="The number of transfers per year"><select id="nr_tr" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul" title="Provide the typical size of the ordinary bills you pay with the credit card (currently unsupported in Datafanger)."><td colspan="3" class="labeltext">Each bill payment</td><td><input id="am_bi" type="text"></td><td colspan="2">Bills per year </td><td title="Bills paid per year"><select id="nr_bi" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Provide the typical amount that you pay with mobile payment in the shop (currently unsupported in Datafanger)."><td colspan="3" class="labeltext">Each mobile payment</td><td><input id="am_mo" type="text"></td><td colspan="2">Mobile payments per year </td><td title="The number of mobile payments per year"><select id="nr_mo" class="numselect"><option selected="selected" value="0">0</option><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5</option><option value="6">6</option><option value="7">7</option><option value="8">8</option><option value="9">9</option><option value="10">10</option></select></td><td>&nbsp;</td></tr>
+
+<tr class="gul" title="Months from you aquire the card until debt is paid down to zero"><td colspan="3" class="labeltext">Payback time (in number of months)</td><td colspan="4"><input id="pt" value="12" type="text"></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Most issures charge you extra if you want paper bills via snail mail."><td colspan="3" class="labeltext">Monthly bills in the snail mail?</td><td align="right"><input id="snail" type="checkbox">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td><td colspan="3"></td><td>&nbsp;</td></tr>
+<tr class="gul" title="Some fees might be a function of the card's credit limit (as opposed to currently drawn credit)."><td colspan="3" class="labeltext">Credit limit</td><td colspan="4"><input id="limit" value="100.000" type="text"></td><td>&nbsp;</td></tr>
+
+<tr class="grey"><td colspan="8" class="labeltext"><i><b>For test purposes: Manually enter fees currently not collected in Datafanger</b></i></td></tr>
+
+
+<!--
+
+Naming conventions:
+
+
+Type of fee:
+
+ff - fixed fee
+pf - percentage fee
+ex - exchange fee
+pe - periodic fee (for instance per month, not per transaction)
+
+
+Segment:
+
+lo - low (from low limit)
+hi - high (to high limit)
+
+
+Type of transaction:
+
+cw - cash withdrawal
+pu - purchase
+tr - transfer to account
+mo - mobile payment
+cu - currency withdrawal
+bi - paying bills in the internet bank with your credit card
+
+
+Where:
+
+hb - home bank (user's current bank) cash machine
+ch - at the counter of home bank
+ob - other bank's cash machine
+co - at the counter of other bank
+sh - in a shop
+do - domestically
+eu - abroad, inside europe
+wo - outside europe
+
+
+When:
+
+bh - business hours
+oh - other hours
+
+
+Minimum rule:
+
+mi - the combined fixed and percentage fee can not be lower
+
+
+Segment number:
+
+01, 02, 03 etc
+
+
+Example:
+
+pu_wo_ff_01 	- fixed fee for purchase outside europe, segment one
+pu_wo_pf_01 	- percentage fee for purchase outside europe, segment one
+pu_wo_lo_01 	- lower amount limit for fixed fee for purchase outside europe, segment one
+pu_wo_hi_01 	- higher amount limit for fixed fee for purchase outside europe, segment one
+pu_wo_mi_01 	- minimum amount in fee for the transaction fee for purchase outside europe (sum of fixed and percentage fee)
+pu_wo_ex_01 	- percentage currency exchange fee for purchase outside europe in addition to other fees.
+
+pu_wo		- purchase outside europe
+cw_ch		- cash withdrawal at the counter of home bank
+cw_co		- cash withdrawal at the counter of other bank	
+cu_hb		- currency withdrawal in own bank (cash machine)
+cw_sh		- cash withdrawal in a shop
+tr		- transfer money from your credit card to your ordinary bank account
+bi		- paying bills in the internet bank with the creditcard
+mo		- paying with the mobile phone in a shop
+pu_do 		- fee for domestic purchases
+pu_eu 		- fee for purchases abroad, but within Europe
+o		- origination fee (one time fee at the startup of the card)
+cw_wo		- cash withdrawals outside Europe
+pb		- paper bill in the snail mail
+
+-->
+
+
+<tr class="grey">
+<td>&nbsp;</td>
+<td title="The lowest transaction amount from which this fee amounts. ">Amount - low limit</td>
+<td title="The highest transaction amount from which this fee amounts. A positive integer adds a new row to the table">Amount - high limit </td>
+<td title="Fixed fee for each transaction (withdrawal/purchase).">Fixed fee</td>
+<td title="Fee as a percentage of the withdrawal/purchase.">Percentage fee</td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount.">Minimum fee</td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee.">Exchange fee</td>
+<td>&nbsp;</td>
+</tr>
+
+<tr class="grey">
+<td title="Dedicated fee for purchase outside Europe. Currently, this is not supported by Datafanger, but we can simulate the effect here. If the field is empty, the general fee for purchases abroad is used.">Fee for purchases outside Europe </td>
+<td title="Empty or 0 = zero"><nobr>From <input id="pu_wo_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited."><nobr>To <input id="pu_wo_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="pu_wo_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="pu_wo_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="pu_wo_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="pu_wo_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Dedicated fee for cash withdrawal at the counter of own bank. Currently, this is not supported by Datafanger, but we can simulate the effect here. If the field is empty, the cash machine fee is used.">Fee when withdrawing cash at the counter of own bank</td>
+<td title="Empty or 0 = zero"><nobr>From <input id="cw_ch_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="cw_ch_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="cw_ch_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="cw_ch_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="cw_ch_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="cw_ch_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Dedicated fee for cash withdrawal at the counter of other bank. Currently, this is not supported by Datafanger, but we can simulate the effect here. If the field is empty, the cash machine fee is used.">Fee when withdrawing cash at the counter of other bank</td>
+<td title="Empty or 0 = zero"><nobr>From <input id="cw_co_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="cw_co_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="cw_co_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="cw_co_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="cw_co_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="cw_co_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+<tr class="grey">
+<td title="Dedicated fee for withdrawing foreign currency in own bank" s="" cash="" machine="" (domestically).="" currently,="" this="" is="" not="" supported="" by="" datafanger,="" but="" we="" can="" simulate="" the="" effect="" here.="" if="" field="" empty,="" ordinary="" fee="" used..'="">Fee when withdrawing currency in own bank's cash machine </td>
+<td title="Empty or 0 = zero"><nobr>From <input id="cu_hb_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="cu_hb_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="cu_hb_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="cu_hb_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="cu_hb_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="cu_hb_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Dedicated fee for withdrawing cash in a shop. Currently, this is not supported by Datafanger, but we can simulate the effect here.">Fee when withdrawing cash in a shop </td>
+<td title="Empty or 0 = zero"><nobr>From <input id="cw_sh_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="cw_sh_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="cw_sh_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="cw_sh_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="cw_sh_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="cw_sh_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Some cards have a fee when you transfer money from the credit card to your bank account. Currently, this is not supported by Datafanger, but we can simulate the effect here.">Fee for each transfer to account</td>
+<td title="Empty or 0 = zero"><nobr>From <input id="tr_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="tr_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="tr_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="tr_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="tr_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="tr_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Some cards have dedicated fee for paying bills in the internet bank with your credit card. Currently, this is not supported by Datafanger, but we can simulate the effect here.">Fee when bills are paid in the internet bank with credit card </td>
+<td title="Empty or 0 = zero"><nobr>From <input id="bi_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="bi_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="bi_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="bi_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="bi_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="bi_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Some cards have a dedicated fee when you pay with the mobile phone in a shop (but charge your card). Currently, this is not supported by Datafanger, but we can simulate the effect here.">Fee when credit card is charged with the mobile phone </td>
+<td title="Empty or 0 = zero"><nobr>From <input id="mo_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="mo_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="mo_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="mo_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="mo_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="mo_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="A periodical fixed fee currently has a field in the database, but there might also be a fee as percentage of credit (for each payment term) - currently not harvested from the companies.">Periodic fee as percentage of credit limit </td>
+<td title="Empty or 0 = zero"><nobr>From <input id="pe_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="pe_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="pe_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="pe_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="pe_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="pe_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Dedicated fee for cash withdrawals outside Europe. Currently, this is not supported by Datafanger, but we can simulate the effect here. If the field is empty, the general fee for cash withdrawals abroad is used.">Fee for cash withdrawal outside Europe</td>
+<td title="Empty or 0 = zero"><nobr>From <input id="cw_wo_lo_01" value="0" type="text"> NOK</nobr></td>
+<td title="Empty, &quot;Unlimited&quot; or 0 = unlimited. A positive integer adds a new row to the table"><nobr>To <input id="cw_wo_hi_01" value="Unlimited" onchange="addaRow(this)" type="text"> </nobr></td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="cw_wo_ff_01" value="0" type="text"> NOK</nobr></td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="cw_wo_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="cw_wo_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="cw_wo_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Currently, there is a fixed fee for purchases in the database. But the data model should accomodate a percentage fee as well.">Fee as percentage of domestic purchase </td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="pu_do_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="pu_do_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="pu_do_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Currently, there is a common fee for all international purchases in the database. But we might in the future also need a field for a percentage fee for purchases abroad, but inside Europa.">Fee as percentage of purchase abroad, inside Europe </td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="Fee as a percentage of the withdrawal/purchase."><nobr><input id="pu_eu_pf_01" value="0" type="text">%</nobr></td>
+<td title="When there is a percentage fee, but also ar rule saying that the fee could not be smaller than a certain minimum amount."><nobr><input id="pu_eu_mi_01" value="0" type="text"> NOK</nobr></td>
+<td title="An eventual exchange fee in additon to the other fixed - and percentage fee."><nobr><input id="pu_eu_ex_01" value="0" type="text"> %</nobr></td>
+<td>&nbsp;</td>
+</tr>
+
+
+<tr class="grey">
+<td title="Origination fee is a one-time fee paid at the time of establishing the credit line. Currently harvested neither in Datafanger nor in Test client.">One-time origination fee</td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="Fixed fee for each withdrawal/purchase."><nobr><input id="o_ff" value="0" type="text"> NOK</nobr></td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td>&nbsp;</td>
+</tr>
+
+<tr class="grey">
+<td title="Dedicated fee for receiving paper bills in the mail. Currently, this is not supported by Datafanger, but we can simulate the effect here. If the field is empty, zero is assumed.">Fee for paper bill pr. snail mail</td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="Fixed fee for each bill."><nobr><input id="pb_ff" value="0" type="text"> NOK</nobr></td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td title="">&nbsp;</td>
+<td>&nbsp;</td>
+</tr>
+
+<tr class="grey"><td>Rounding direction </td><td>&nbsp;</td><td>&nbsp;</td><td colspan="3"><select id="round_rule"><option selected="selected" value="0">Payments rounded according to normal rounding rules</option><option value="1">Payments are rounded up</option><option value="2">Payments are rounded down</option></select></td><td colspan="2">&nbsp;</td></tr>
+<tr class="grey"><td>Rounding precision </td><td>&nbsp;</td><td>&nbsp;</td><td colspan="3"><select id="round_pres"><option selected="selected" value="0">Payments rounded to nearest cent</option><option value="1">Payments rounded to nearest currency unit</option></select></td><td colspan="2">&nbsp;</td></tr>
+<tr class="grey"><td>Placement of remainder </td><td>&nbsp;</td><td>&nbsp;</td><td colspan="3"><select id="rem_place"><option selected="selected" value="0">Payed / renumerated with the last payment  </option><option value="1">Ignored</option></select></td><td colspan="2">&nbsp;</td></tr>
+
+
+<tr class="ros"><td colspan="8" class="labeltext"><i><b>Administrator settings: Play around with presumptions</b></i></td></tr>
+
+<tr class="ros" title="Some cards have different interest rates for purchase and casth withdrawal. Currently, this is not supported by Datafanger, but we can simulate the effect here."><td colspan="3" class="labeltext">Increase interest rate for cash withdrawal by</td><td colspan="2"><input id="ic" type="text"> %</td><td>&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td></tr>
+<tr class="ros" title="Effective interest rate is computed as if all purchases and withdrawals were done the first day. But for the computation of total payback amount, we can make more realistic assumptions."><td colspan="3" class="labeltext">Deduct days from interest free days</td><td colspan="3"><input id="dd" type="text"></td><td>&nbsp;</td><td>&nbsp;</td></tr>
+<tr class="ros" title="Finansportalen's credit card calculator equals the inital debt to the first month's usage for all transactions but foreign purchases, where the annual usage is used. Unchecking means that first year's usage is used for both."><td colspan="3" class="labeltext">Initial debt computed as Finansportalen 2013</td><td align="right"><input id="fin" checked="checked" type="checkbox">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td><td colspan="2">&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td></tr>
+<tr class="ros" title="It seems that the public regulation on how one should compute effective interest rate exempts currency exchange fees, probably because you would have to pay them anyway."><td colspan="3" class="labeltext">Include currency exchange fees in computation of effective interest rate</td><td align="right"><input id="currfee" type="checkbox">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td><td colspan="1">&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td></tr>
+
+</tbody></table>
+
+<input onclick="onClick=cardBench()" value="Compute" type="button">
+<div id="sumfield"></div>
+<br>
+<div id="carddiv">
+</div>
+
+
+
+<article>
+	<h1 id="graph_heading"></h1>		
+	<canvas id="graphSpace" width="800" height="500"></canvas>		
+</article>
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+</body></html>
\ No newline at end of file
diff --git a/JS scripts/jquery-2.0.3.min.js b/JS scripts/jquery-2.0.3.min.js
new file mode 100644
index 0000000..2be209d
--- /dev/null
+++ b/JS scripts/jquery-2.0.3.min.js	
@@ -0,0 +1,6 @@
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+//@ sourceMappingURL=jquery-2.0.3.min.map
+*/
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diff --git a/pom.xml b/pom.xml
new file mode 100644
index 0000000..a6085e0
--- /dev/null
+++ b/pom.xml
@@ -0,0 +1,49 @@
+<project xmlns="http://maven.apache.org/POM/4.0.0" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+	xsi:schemaLocation="http://maven.apache.org/POM/4.0.0 http://maven.apache.org/maven-v4_0_0.xsd">
+	<modelVersion>4.0.0</modelVersion>
+   
+    <name>freelan</name>
+	<groupId>no.finansportalen</groupId>
+	<artifactId>free-loan</artifactId>
+	<version>0.0.1-SNAPSHOT</version>
+	<packaging>jar</packaging>
+
+	<dependencies>
+		<dependency>
+			<groupId>junit</groupId>
+			<artifactId>junit</artifactId>
+            <version>4.7</version>
+			<scope>test</scope>
+		</dependency>
+		<dependency>
+			<groupId>com.google.code.gson</groupId>
+			<artifactId>gson</artifactId>
+            <version>2.2.4</version>
+			<scope>test</scope>
+		</dependency>
+	</dependencies>
+
+    <build>
+        <resources>
+            <resource>
+                <directory>src/main/java</directory>
+            </resource>
+            <resource>
+                <directory>src/main/resources</directory>
+            </resource>
+        </resources>
+        <plugins>
+            <plugin>
+                <groupId>org.apache.maven.plugins</groupId>
+                <artifactId>maven-compiler-plugin</artifactId>
+                <version>3.0</version>
+                <configuration>
+                    <source>1.6</source>
+                    <target>1.6</target>
+                    <encoding>UTF-8</encoding>
+                </configuration>
+            </plugin>
+        </plugins>
+    </build>
+
+</project>
\ No newline at end of file
diff --git a/src/main/java/no/finansportalen/freecalc/Freecalc.gwt.xml b/src/main/java/no/finansportalen/freecalc/Freecalc.gwt.xml
new file mode 100644
index 0000000..531c1fe
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/Freecalc.gwt.xml
@@ -0,0 +1,7 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<!DOCTYPE module PUBLIC "-//Google Inc.//DTD Google Web Toolkit 2.5.1//EN" "http://google-web-toolkit.googlecode.com/svn/tags/2.5.1/distro-source/core/src/gwt-module.dtd">
+<module>
+
+    <source path=""/>
+	
+</module>
\ No newline at end of file
diff --git a/src/main/java/no/finansportalen/freecalc/common/AnnuityLoanPeriod.java b/src/main/java/no/finansportalen/freecalc/common/AnnuityLoanPeriod.java
new file mode 100644
index 0000000..82a37d9
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/common/AnnuityLoanPeriod.java
@@ -0,0 +1,77 @@
+package no.finansportalen.freecalc.common;
+
+public class AnnuityLoanPeriod extends Period {
+
+    /**
+     * The number of periodic payments it takes to pay down this segment of the loan
+     */
+    private double numberOfTerms;
+
+    /**
+     * Adjusted lower segment limit Since the number of periods must be and integer, you rarely hit the segment limit
+     * accurately. The next segments limits must be adjusted accordingly.
+     */
+    private double lowerSegmentLimit;
+
+    /**
+     * Upper segment limit. Normally the same as periodicFee, but could also be adjusted
+     */
+    private double upperSegmentLimit;
+
+    /**
+     * Remainder; Fractions of cents we pay to little or too much each time due to rounding
+     */
+    private double remainder;
+    
+    
+    
+    
+    
+    
+
+    /**
+     * @return The number of periodic payments it takes to pay down this segment of the loan
+     */
+    public double getNumberOfTerms() {
+        return numberOfTerms;
+    }
+
+    public void setNumberOfTerms(double numberOfTerms) {
+        this.numberOfTerms = numberOfTerms;
+    }
+
+    /**
+     * @return Adjusted lower segment limit Since the number of periods must be and integer, you rarely hit the segment limit
+     * accurately. The next segments limits must be adjusted accordingly.
+     */
+    public double getLowerSegmentLimit() {
+        return lowerSegmentLimit;
+    }
+
+    public void setLowerSegmentLimit(double lowerSegmentLimit) {
+        this.lowerSegmentLimit = lowerSegmentLimit;
+    }
+
+    /**
+     * @return Upper segment limit. Normally the same as periodicFee, but could also be adjusted
+     */
+    public double getUpperSegmentLimit() {
+        return upperSegmentLimit;
+    }
+
+    public void setUpperSegmentLimit(double upperSegmentLimit) {
+        this.upperSegmentLimit = upperSegmentLimit;
+    }
+
+    /**
+     * @return Remainder; Fractions of cents we pay to little or too much each time due to rounding
+     */
+    public double getRemainder() {
+        return remainder;
+    }
+
+    public void setRemainder(double remainder) {
+        this.remainder = remainder;
+    }
+
+}
diff --git a/src/main/java/no/finansportalen/freecalc/common/Period.java b/src/main/java/no/finansportalen/freecalc/common/Period.java
new file mode 100644
index 0000000..c46d122
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/common/Period.java
@@ -0,0 +1,40 @@
+package no.finansportalen.freecalc.common;
+
+public abstract class Period {
+
+    /**
+     * Net periodic payment, exclusive of fees, rounded OR The whole rounded payment for period 'i', included installment and fees
+     */
+    private double payment;
+    
+    /**
+     * periodic fee OR The fee for period 'i'
+     */
+    private double periodicFee;
+    
+    
+    
+    /**
+     * @return Net periodic payment, exclusive of fees, rounded OR The whole rounded payment for period 'i', included installment and fees
+     */
+    public double getPayment() {
+        return payment;
+    }
+
+    public void setPayment(double payment) {
+        this.payment = payment;
+    }
+    
+    /**
+     * @return periodic fee OR The fee for period 'i'
+     */
+    public double getPeriodicFee() {
+        return periodicFee;
+    }
+    
+    public void setPeriodicFee(double periodicFee) {
+        this.periodicFee = periodicFee;
+    }
+    
+    
+}
diff --git a/src/main/java/no/finansportalen/freecalc/common/SerialLoanPeriod.java b/src/main/java/no/finansportalen/freecalc/common/SerialLoanPeriod.java
new file mode 100644
index 0000000..e6126c5
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/common/SerialLoanPeriod.java
@@ -0,0 +1,22 @@
+package no.finansportalen.freecalc.common;
+
+public class SerialLoanPeriod extends Period {
+
+    /**
+     *  The installment for period 'i'
+     */
+    private double installment;
+    
+
+    
+    /**
+     *  @return The installment for period 'i'
+     */
+    public double getInstallment() {
+        return installment;
+    }
+
+    public void setInstallment(double installment) {
+        this.installment = installment;
+    }
+}
diff --git a/src/main/java/no/finansportalen/freecalc/common/Utils.java b/src/main/java/no/finansportalen/freecalc/common/Utils.java
new file mode 100644
index 0000000..6c9cdd5
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/common/Utils.java
@@ -0,0 +1,53 @@
+package no.finansportalen.freecalc.common;
+
+
+public class Utils {
+
+    public static enum RoundDirection {
+        NORMAL, UP, DOWN
+    }
+
+    public static enum Accuracy {
+        FAST, NORMAL, EXTREMELY_ACCURATE
+    }
+
+    public static AnnuityLoanPeriod[] copyArray(AnnuityLoanPeriod[] origin, int length) {
+        int howMatchToTakeFromOrigin = origin == null ? 0 : Math.min(origin.length, length);
+        AnnuityLoanPeriod[] res = new AnnuityLoanPeriod[length];
+        for(int i = 0; i < howMatchToTakeFromOrigin; i++) {
+            res[i] = origin[i];
+        }
+        return res;
+    }
+
+    /**
+     * 
+     * Rounds 'nummber' according to the parameters 'presision' and 'direction':
+     * 
+     * @param number number to round
+     * @param direction NORMAL: Normal rounding rules apply UP: Rounds up DOWN: Rounds down
+     * @param roundToInteger false: Rounds to two decimals 1: Rounds to integer
+     */
+    public static double roundoff(double number, RoundDirection direction, boolean roundToInteger) {
+    
+        double roundfact;
+    
+        if (!roundToInteger) {
+            roundfact = 100;
+        } else {
+            roundfact = 1;
+        }
+    
+        if (direction == RoundDirection.UP) {
+            return Math.ceil(number * roundfact) / roundfact;
+        } else if (direction == RoundDirection.DOWN) {
+            return Math.floor(number * roundfact) / roundfact;
+        } else {
+            return Math.round(number * roundfact) / roundfact;
+        }
+    
+    }
+    
+    
+
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freecard/calc/FreeCard.java b/src/main/java/no/finansportalen/freecalc/freecard/calc/FreeCard.java
new file mode 100644
index 0000000..11f1578
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freecard/calc/FreeCard.java
@@ -0,0 +1,1027 @@
+package no.finansportalen.freecalc.freecard.calc;
+
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+import no.finansportalen.freecalc.common.Utils;
+import no.finansportalen.freecalc.common.Utils.RoundDirection;
+import no.finansportalen.freecalc.freecard.result.FreeCardResult;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException.FreeLoanExceptionType;
+
+import java.util.ArrayList;
+import java.util.List;
+
+/**
+ * <p>
+ * <b>OVERVIEW</b>
+ * </p>
+ * 
+ * <p>
+ * The calculator supports two different interest rates for different parts of the credit card charges - cash
+ * withdrawals and purchases.
+ * </p>
+ * 
+ * <p>
+ * The calculator supports an optional interest free period for purchases.
+ * </p>
+ * 
+ * <br>
+ * <p>
+ * The function 'calculate()' computes effective annual percentage rate (EAPR) under two assumptions:
+ * </p>
+ * 
+ * 
+ * <br>
+ * <p>
+ * a) According to a regulation issued by the Norwegian Consumer Ombudsman:<br>
+ * <a href="http://www.forbrukerombudet.no/asset/4757/1/4757_1.pdf">http://www.forbrukerombudet.no/asset/4757/1/4757_1.pdf</a>
+ * </p>
+ * 
+ * 
+ * <p>
+ * Here, all charges are assumed made the first day and paid back in 12 monthly annuities. An eventual interest free
+ * period or other advantages (cash back) should not be taken into account.
+ * </p>
+ * 
+ * <p>
+ * In marketing, the banks should present an EAPR computet as the effective interest rate resulting from a loan of
+ * 15.000 NOK. This should consist of 10 purchases in Norway, 3 purchases outside Norway, 1 cash withdrawal in Norway
+ * and 1 cash withdrawal outside Norway, each of 1.000 NOK. All made the first day the customer has the card.
+ * </p>
+ * 
+ * <p>
+ * Although the user can choose other sums and usage pattern in the calculator, the computation method is still regarded
+ * as binding, and the calculator always returns this "government rate" as one of the results.
+ * </p>
+ * 
+ * <p>
+ * The total payment is not covered by the regulation. The payment sums could thus be computed under more realistic
+ * conditions.
+ * </p>
+ * 
+ * <p>
+ * (The Norwegian regulation is an application of a EU directive:<br>
+ * <a href="http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2008:133:0066:0092:EN:PDF">
+ *  http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2008:133:0066:0092:EN:PDF
+ * </a>)
+ * </p>
+ * 
+ * <br>
+ * <p>
+ * b) As above, but with a more realistic payback stream.
+ * </p>
+ * 
+ * <p>
+ * freeCard 1.0 also computes the effective interest rate when the interest-free period is taken into account and where
+ * the normally delayed payment (15 - 20 days after the end of the month) is considered.
+ * </p>
+ * 
+ * <p>
+ * But even this more "realistic" method assumes that all charges are made the first day. So it is not completely
+ * realistic. One could envisage a future version where the usage was assumed spread out in time; charges made evenly or
+ * stocastically.
+ * </p>
+ * 
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * <b>NOT IN THIS VERSION</b>
+ * </p>
+ * 
+ * <p>
+ * There are two variables currently harvested in the Datafanger that we don't use here:
+ * </p>
+ * 
+ * <p>
+ * Renteberegning varekjøp ved kreditt Fakturadato/uttaksdato (rate computation when purchasing - on billday/on purchase
+ * day) Renteberegning uttak ved kreditt Fakturadato/uttaksdato (rat computation when withdrawing cash - on bill day/on
+ * withdrawal day)
+ * </p>
+ * 
+ * <p>
+ * Whatever time the interest runs from, will not override the Consumer Ombudsman's model. Furthermore, when there is an
+ * interest free period for purchases, interest will not be computed until the end of this period anyway.
+ * </p>
+ * 
+ * <p>
+ * Finally, I don't think interest computation from bill day could ever pertain to cash withdrawals. It is dificult to
+ * imagine that the banks would "give away" free interest days for cash (for purchases, the shops pay for the interest
+ * free days).
+ * </p>
+ * 
+ * <p>
+ * The calculator handles only monthly payments and only annuity loans in arrears (annuity-immediate, or ordinaray
+ * annuities).
+ * </p>
+ * 
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * <b>SECTIONS</b>
+ * </p>
+ * 
+ * <ol>
+ * <li>Preparation and adaption of data</li>
+ * <li>The annuities</li>
+ * <li>Effective interest rate</li>
+ * <li>Result reporting</li>
+ * </ol>
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * <b>THE PLAN: THREE ANNUITY SERIES</b>
+ * </p>
+ * 
+ * <p>
+ * The interest rate is computed by iterations. Before performing the iterations, we need to know each monthly payment.
+ * </p>
+ * 
+ * <p>
+ * Hence, all the relevant Payments, number of periods and remainders are first computed.
+ * </p>
+ * 
+ * <p>
+ * There might be different interest rates for cash withdrawals and purchases. In the case of interest free days, they
+ * usually only pertain to purchases, not to cash withdrawals. The two streams might have to be treated differently.
+ * </p>
+ * 
+ * <p>
+ * Moreover, there are annual fees not fitting into the model with monthly annuities.
+ * </p>
+ * 
+ * <p>
+ * We thus make three annuitiy series:
+ * </p>
+ * 
+ * <ol>
+ * <li>The annuities paid back to the card company for cash withdrawal</li>
+ * <li>The annuities paid back to the card company for purchases</li>
+ * <li>The annuity series consisting of annual fees</li>
+ * </ol>
+ * 
+ * <p>
+ * As there is often an interest free period for purchases, but not for cash withdrawals, this model also allows us to
+ * compute a more realistic interest rate computation, in addition to the model given in the public regulation.
+ * </p>
+ * 
+ * <p>
+ * (In a perfect world, we should be able to randomly spread out the purchases and withdrawal along the time line, for
+ * again to achieve a more realistic picture of the usage pattern. This last wish is incomaptible with annuities, of
+ * course. A feature with evenly spread charges to the card would, however be relatively easy to compute. But not in
+ * this version.)
+ * </p>
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * <b>ERRORS:</b>
+ * </p>
+ * 
+ * <p>
+ * When the computed payment is smaller than the minimum payment required in the parameters 'minpayPerc' and
+ * 'minpayPayment', the loan must be paid back faster than the user has requested. It is less confusing to ask the user
+ * to select a shorter payback period than to first compute the minimum payback time and then compute the effective
+ * interest rate. Hence, in these cases an {@link FreeLoanException} is thrown.
+ * </p>
+ */
+public class FreeCard {
+    
+    /**
+     * EITHER.. The cash withdrawn on the card during the period, included all the transaction dependent fees
+     */
+    private double receivedCash;
+    
+    /**
+     * ..AND/OR: The purchases done with the card during the period, included all the transaction dependent fees.
+     */
+    private double receivedPurchase;
+    
+    /**
+     * OBLIGATORY
+     */
+    private Integer numberOfMonths;
+    
+    /**
+     * The initial interest-free period (only applied to purchases) in number of days
+     */
+    private int interestFreeDays = 0;
+    
+    /**
+     * Round direction for annuities
+     */
+    private RoundDirection roundDirection = RoundDirection.NORMAL;
+    
+    /**
+     * false: Payment rounded to nearest 1/100 true: ..rounded to nearest integer
+     */
+    private boolean roundToInteger = false;
+    
+    /**
+     * false: The "global" remainder at the end of the loan period is payed / compensated with the last payment<br>
+     * true: ..is ignored
+     */
+    private boolean ignoreRemainder = false;
+    
+    /**
+     * Sum of all transaction fees for cash withdrawals
+     */
+    private double feeCashTransaction = 0;
+    
+    /**
+     * Sum of all transaction fees for purchases
+     */
+    private double feePurcTransaction = 0;
+    
+    /**
+     * Processing fees: Sum of eventual inital one-time fees to be payed at the beginning of the loan period. 
+     */
+    private double feeOrigination = 0;
+    
+    /**
+     * Fixed fee: Annual, fixed fee.
+     */
+    private double feeAnnual;
+    
+    /**
+     * Fixed fee. Loans given as a credit line might have a periodical (monthly) fixed fee
+     */
+    private double feePeriod = 0;
+    
+    /**
+     * OBLIGATORY: Interest rate for cash withdrawals might differ from interest on purchases
+     */
+    private Double rateCash;
+    
+    /**
+     * OBLIGATORY: Interest rate for purchases might differ from interest on cash withdrawals
+     */
+    private Double ratePurchase;
+    
+    /**
+     * The minimum, monthly payment as a percentage of current debt
+     */
+    private Double minpayPerc;
+    
+    /**
+     * The minimum, monthly payment in currency units
+     */
+    private Double minpayUnits;
+    
+    
+    
+    public FreeCardResult calculate() throws FreeLoanException {
+    
+        checkMandatoryFields();
+        
+        /*
+         * 1) PREPARATION AND ADAPTION OF DATA:
+         * 
+         * ASSUMPTIONS
+         * 
+         * a) Fees added to debt: Credit card fees are not paid cash, but assumed added to the debt.
+         * 
+         * b) Origination fee added to the cash withdrawal part of the debt: We presume here that the fixed start fee
+         * which we have called 'feeOrigination' will be added to the cash withdrawal part of the loan. The reason for
+         * this is twofold: Firstly, there might be a interest free period for purchases. This does not happen for cash
+         * withdrawals. Secondly, the cash withdrawal might have a higher interest rate than the purchase. The lender
+         * would probably place the fee in this higher rate segment.
+         */
+
+        double loanPurchase = receivedPurchase + feePurcTransaction;
+
+        double loanCash = receivedCash + feeCashTransaction + feeOrigination;
+                
+
+        /*
+         * There is also an annual fee ('feeAnnual'). This is handled further down as an annual payment stream.
+         * 
+         * 
+         * 2) THE ANNUITIES
+         * 
+         * We first compute the present value of the three annuities when no allowance is made for the interest-free
+         * period. We use the formulas we've already derived:
+         * 
+         * 
+         * ********************************************************************************
+         * FORMULA FOR ANNUITY-IMMEDIATE:
+         * 
+         * annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));
+         * where
+         * k = 1/(1+rate);
+         * ********************************************************************************
+         * 
+         * Annual fees are paid at the beginning of the year. Hence, we need the annuity-due version of the annuity
+         * formula too:
+         * 
+         * 
+         * ********************************************************************************
+         * FORMULA FOR PRESENT VALUE (included payment at time zero):
+         * 
+         * pv = annuity * (1 - Math.pow(k,termnumber+1)) / (1 - k)
+         * where
+         * k = 1/(1+rate);
+         * ********************************************************************************
+         * 
+         * We use our variable names:
+         * 
+         * termnumber -> numberOfMonths loan -> loanCash and loanPurchase
+         */
+
+
+        double purchaseAnnuity;
+
+        double cashAnnuity;
+
+
+        // Our version of the annuity formula utilzes the number of periods plus one:
+
+        int plusMonth = numberOfMonths + 1;
+
+
+        // The annuity for cash withdrawals. We add the annual fee to the "official" interest rate, hence signaling
+        // that it has the same foundation and effect:
+
+        double kc = 1 / (1 + rateCash / 1200); // 'k' from the formula above, for cash withdrawals.
+
+        if (loanCash > 0) {
+            cashAnnuity = loanCash * (1 - kc) / (kc - Math.pow(kc, plusMonth));
+        } else {
+            cashAnnuity = 0;
+        }
+
+        // The annuity for purchases. We add the annual fee to the "official" interest rate,
+
+        double kp = 1 / (1 + ratePurchase / 1200); // 'k' from the formula above, for purchases.
+
+        if (loanPurchase > 0) {
+            // Interest in arrears for the "government" computation
+            purchaseAnnuity = loanPurchase * (1 - kp) / (kp - Math.pow(kp, plusMonth));
+        } else {
+            purchaseAnnuity = 0;
+        }
+
+        double ka = 1 / (1 + rateCash / 100); // Annual discount factor
+
+        int years = (int) Math.ceil((float)numberOfMonths / 12); // How many annual fees must we pay?
+        
+        // The ensuing logic is subtle: The annual fee is charged at the beginning of the first year, but payed with the
+        // normal annuities. Hence, the present value of it does not equal the nominal sum.
+
+        double annualFeePV = feeAnnual * (1 - Math.pow(ka, years)) / (1 - ka); // Present value of annuities in advance.
+
+        double annualAnnuity = annualFeePV * (1 - kc) / (kc - Math.pow(kc, plusMonth)); // Monthly payments in arrears
+
+        // The sum of the three annuities, included periodic fees.
+
+        double sumAnnuity = cashAnnuity + purchaseAnnuity + annualAnnuity + feePeriod;
+
+        double roundedAnnuity = Utils.roundoff(sumAnnuity, roundDirection, roundToInteger);
+
+
+        /*
+         * 
+         * MONTHLY, MINIMUM PAYMENT
+         * 
+         * Consider the parameters to the function:
+         * 
+         * minpayPerc => The minimum, monthly payment as a percentage of current debt
+         * minpayUnits => The minimum, monthly payment in nominal currency units (for instance NOK or GBP).
+         * 
+         * Most card issuers demand that the borrower pays back a minimum payment each month. Normally, this payment is
+         * a percentage of the credit charged to the card, 'minpayPerc'. Neither should this amount fall below the
+         * fixed sum 'minpayUnits'.
+         * 
+         * a) As this function 'calculate()' only handles annuity loans, the payments are equal in all periods. If the
+         * first payment is smaller than the threshold in 'minpayUnits', all are. In this case, the minimum payment
+         * will take the place of the computed annuity. The effect would be a shorter payback time than the calculator's
+         * user has requested.
+         * 
+         * As this is a user input, it is not "our job" to recalculate the period. Instead, we will return an error
+         * message: Choose a shorter payback period!
+         * 
+         * b) Likewise, if the minimum percentage of the initial debt exceeds the annuity, the payback period will be
+         * shorter!
+         * 
+         * As the debt shrinks with time in our model, the minimum percentage will not exceed the annuities later if they
+         * don't do it initially.
+         */
+
+
+        double initaldebt = loanCash + loanPurchase + feeAnnual; // What is charged to the card, included fees.
+
+        double minfeePerc = minpayPerc / 100 * initaldebt; // Computing the minimum percentage payment in the first term
+
+        if (minpayUnits > sumAnnuity || minfeePerc > sumAnnuity) {
+            throw new FreeLoanException(FreeLoanExceptionType.ANNUITY_FALL_BELOW_MIN_PAYMENT);
+        }
+
+
+        // We are going to use a rate computing calculator {@link RateAnnuityCalc} -
+        // that expects an {@link AnnuityLoanPeriod} object as one of the parameters.
+
+        AnnuityLoanPeriod period = new AnnuityLoanPeriod();
+        period.setPayment(roundedAnnuity);
+        period.setNumberOfTerms(numberOfMonths);
+        period.setPeriodicFee(0);
+        period.setLowerSegmentLimit(0);
+        period.setUpperSegmentLimit(receivedCash + receivedPurchase);
+        period.setRemainder(sumAnnuity - roundedAnnuity);
+
+        List<AnnuityLoanPeriod> periods = new ArrayList<AnnuityLoanPeriod>();
+        periods.add(period);
+
+        
+        /*
+         * 3) EFFECTIVE INTEREST RATE:
+         * 
+         * 
+         * THE "GOVERNMENT FORMULA":
+         * 
+         * A Norwegian public regulation decides the general algorithm for computing the effective interest rate for
+         * credit cards. One of the statutes is that all withdrawals and purchases shall be considered to have been made
+         * the first day. This is our present value. We are looking for an interest rate that makes the present value of
+         * the monthly payback stream equal to this present value.
+         * 
+         * To compute the effective interest rate, we use the rate computing calculator {@link RateAnnuityCalc}:
+         */
+                
+        double rateGuess = ratePurchase / 12; // All credit cards have at least an interest rate for purchases
+
+        double received = receivedPurchase + receivedCash;
+
+        RateAnnuityCalc rateAnnuityCalc = new RateAnnuityCalc();
+        rateAnnuityCalc.setReceived(received);
+        rateAnnuityCalc.setCalculationPeriods(numberOfMonths);
+        rateAnnuityCalc.setPayments(periods);
+        rateAnnuityCalc.setHighestSegment(1);
+        rateAnnuityCalc.setResidue(0.0);
+        rateAnnuityCalc.setCapitalizationFreq(12);
+        rateAnnuityCalc.setGuessrate(rateGuess);
+        rateAnnuityCalc.setAdvance(false);
+
+        double er = rateAnnuityCalc.calculate();
+
+
+        /*
+         * 
+         * 
+         * 
+         * 
+         * THE "ADVANCED" FORMULA
+         * 
+         * Most credit cards don't charge interest for purchases before after 45 / 50 days, while cash withdrawals are
+         * charged with interest from the first day.
+         * 
+         * The "government formula" does not take this into consideration, as it is adapted to a public regulations
+         * deciding how effective interest on credit cards should be computed: Every charge to the card - purchases and
+         * withdrawals are assumed to be made the first day. Thereafter, the card is not charged more and the debt is
+         * paid back in monthly annuities in arrears at the end of each month.
+         * 
+         * The guide states that an eventual interest free period should be ignored in this computation.
+         * 
+         * But the user might still want to see a more realistic computation. We can take the interest free period into
+         * account by treating the payback stream from the purchases differently: We apply the present value formula for
+         * annuities due - the first installment being paid at once, in time zero, at the very start of the time line.
+         * This will emulate that there is no interest before the payment takes place. These annuities should be the
+         * ones actually paid.
+         * 
+         * We compute the sommon annuity for the other elements, the payments pertaing to cash withdrawals and fees,
+         * "normally", treating these as annuities in arrears.
+         * 
+         * I might be necessary to augment this latter payment stream further, by the time from the bill is issued until
+         * the due date. The annuity in arrears already takes 30 interest rate bearing days into consideration, but
+         * there might be 15/20 more.
+         * 
+         * (These additional days will be computed with the nominal interest rate computed by the 'bank-method': The
+         * arithmetic average of the interest rate. By this method, when the monthly interest rate is 1%, the rate for
+         * half a month is simply 1/2%. This is not mathematically correct, but it is the way the banks normally do it,
+         * so we must emulate that here in order to obtain the actual payments.)
+         * 
+         * There are not two payment streams, only one. Both the interest-bearing cash withdrawals and the temporarily
+         * interest free purchases are served with the same monthly payback stream, starting after 45 / 50 days.
+         * 
+         * Hence, we sum the payments, getting one payment stream and finding the present value of this.
+         * 
+         * But the normal present value in arrears formula stipulates that our observation point lays one month before
+         * the first payment.
+         * 
+         * We, thus, have to further discount the payment stream with the 15/20 days longer, first period.
+         * 
+         * We have already computed the annuity for purchases, using the normal annuity formula with annuities in
+         * arrears. Now, we recompute it with the annuities in advance-formula:
+         * 
+         * 
+         * annuPurch = loanPurchase * (1 - kp) / (1 - Math.pow(kp,numberOfMonths)); // Applying the formula for
+         * annuities in advance
+         * 
+         * annuOther = sumannuity - purchaseAnnuity; // Subtracting the old "purchase annuity", computed above,
+         * stipulating annuities in arrears
+         * 
+         * annu = annuPurch + annuOther;
+         * 
+         * 
+         * We are searching for an annual, effective interest rate. But since the payments are monthly, it is practical
+         * to first find the monthly interest rate, 'r', which is a desimal number (0,015 means 1,5%). Each monthly
+         * amount should be multiplied with 1,015 (1 + r) to obtain the next.
+         * 
+         * If something grows by 1,5% each month, how much does it grow by in one day?
+         * 
+         * If we assume daily capitalization:
+         * 
+         * (1 + rd) = (1 + r) ^ (1/30) // The daily growth rate is the 30th root of the monthly growth rate
+         * 
+         * Discouting means dividing by the growth factor, or multiplying by 1 / (1 + r). We call this factor k:
+         * 
+         * 
+         * As k = 1 / (1 + r) => (1 + r) = 1/k // The monthly growth factor
+         * 
+         * (1 + r)^(1/30) = (1/k)^(1/30) // The daily growth factor
+         * 
+         * 
+         * We now have the annuity stream. We first find the preliminary present value as such:
+         * 
+         * pvP = annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)
+         * 
+         * With its monthly scope, this is the present value one month ahead of the first payment.
+         * 
+         * But the payment stream in reality starts later.
+         * 
+         * extraDays = dueDays - 30 // The number of days we shall discount the computed present value by
+         * 
+         * We will first compute the growth factor for the extra days. It is the daily growth factor, '(1/k)^(1/30)',
+         * raised by the number of extra days:
+         * 
+         * extraGrowth = ((1/k)^(1/30))^extraDays
+         * 
+         * I follows as normal computation rules that (a^m)^n = a^(m * n), Thus..
+         * 
+         * extraGrowth = (1/k)^(1/30 * extraDays) = (1/k)^(extraDays/30)
+         * 
+         * The discount rate is the inverse of the growth rate: 1/ (1 + r) = k
+         * 
+         * Hence, we make a new discount rate, ke, for the 'extraDays' number of days:
+         * 
+         * ke = 1 / ((1/k)^(extraDays/30))
+         * 
+         * Or, in Javascript:
+         * 
+         * ke = 1 / Math.pow(1/k,extraDays/30)
+         * 
+         * 
+         * We still maintain the assumption that all charges to the card are made the first day. Thus, the present value
+         * equals the nominal, received sum.
+         * 
+         * The annuity formula gives us the payment stream that starts 30 days after we get the card. But the due date
+         * is slightly later, normally 15-20 days into the next month. The bank will charge interest up to payment day,
+         * so we must discount the preliminary present value we found, 'pvP', with these extra days to obtain the
+         * present value.
+         * 
+         * received = pvP * ke // Discounted with the extra days. We substitute pvP with its formula:
+         * 
+         * received = (annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)) * ke // We substitute 'ke' by 'ke = 1 /
+         * Math.pow(1/k,extraDays/30)', as derived above:
+         * 
+         * received = (annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)) * 1 / Math.pow(1/k,extraDays/30)
+         * 
+         * => (annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)) / Math.pow(1/k,extraDays/30) - received = 0;
+         * 
+         * y = (annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)) / Math.pow(1/k,extraDays/30) - received; //
+         * Assuming a continous function
+         * 
+         * In order to use Newton's method (http://en.wikipedia.org/wiki/Newton%27s_method), we must also find the
+         * derived of the function - y'
+         * 
+         * This is of course great fun, as we have a function with another function as one of its variables.
+         * 
+         * We'll proceed stepwise, by breaking up y in its parts and treat the parts separately. First in its two main
+         * derivable factors:
+         * 
+         * y = (annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)) / Math.pow(1/k,extraDays/30) - received;
+         * 
+         * a = annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)
+         * 
+         * b = Math.pow(1/k,extraDays/30)
+         * 
+         * When we have found the derivatives of a and b, we can apply the product rule:
+         * 
+         * y' = (a'*b - a * b') / b^2
+         * 
+         * First a
+         * 
+         * a = annu * (k - Math.pow(k,numberOfMonths+1)) / (1 - k)
+         * 
+         * a consists of functions both in its nominator and denominator. We treat these separartely too:
+         * 
+         * aNo = annu * (k - Math.pow(k,numberOfMonths+1))
+         * 
+         * aDe = (1 - k)
+         * 
+         * We are looking to apply the quotient rule:
+         * 
+         * a' = (aNo' * aDe - aNo * aDe') / aDe ^2
+         * 
+         * First the derivatives:
+         * 
+         * aNo = annu * (k - Math.pow(k,numberOfMonths+1))
+         * 
+         * aNo' = annu * (1 - (numberOfMonths+1) * Math.pow(k,numberOfMonths))
+         * 
+         * aDe = (1-k)
+         * 
+         * aDe' = -1
+         * 
+         * a' = ((annu * (1 - (numberOfMonths+1) * Math.pow(k,numberOfMonths))) * (1-k) - annu * (k -
+         * Math.pow(k,numberOfMonths+1)) * -1) / Math.pow(1 - k, 2)
+         * 
+         * a' = ((annu * (1 - (numberOfMonths+1) * Math.pow(k,numberOfMonths))) * (1-k) + annu * (k -
+         * Math.pow(k,numberOfMonths+1))) / Math.pow(1 - k, 2)
+         * 
+         * (For convenience, we have already computed 'numberOfMonths + 1' above, in the variable 'plusmonth'
+         * 
+         * Then b:
+         * 
+         * b = Math.pow(1/k,extraDays/30)
+         * 
+         * Applying the chain & power rule:
+         * 
+         * 
+         * ********************************************************************************
+         * Combining the Chain Rule and the Power Rule
+         * y = f(x) = [u(x)]^n
+         * f'(x) = n * [u(x)]^n-1 * u'(x)
+         * ********************************************************************************
+         * 
+         * b' = extraDays/30 * Math.pow(1/k,(extraDays/30)-1) * -1/Math.pow(k,2) // The last term is the derivative of
+         * 1/k, which is -1/k^2
+         * 
+         * b' = - extraDays/30 * Math.pow(1/k,(extraDays/30)-1)/Math.pow(k,2)
+         * 
+         * We are approacthing our functions. Remember the quotient rule:
+         * 
+         * y' = (a'* b - a * b') / b^2 // We substitute the right hand factors with their formulas:
+         * 
+         * y' = ((annu * (1 - plusmonth * Math.pow(k,numberOfMonths))) * (1-k) + annu * (k - Math.pow(k,plusmonth))) /
+         * Math.pow(1 - k, 2) * Math.pow(1/k,extraDays/30) - (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) * -
+         * (extraDays/30 * Math.pow(1/k,(extraDays/30)-1)/Math.pow(k,2))) / Math.pow(Math.pow(1/k,extraDays/30))^2
+         * 
+         * The term 'Math.pow(Math.pow(1/k,extraDays/30))^2' can be transformed to 'Math.pow(1/k,extraDays/30 * 2) =
+         * Math.pow(1/k,extraDays/15)'. Hence..
+         * 
+         * y' = ((annu * (1 - plusmonth * Math.pow(k,numberOfMonths))) * (1-k) + annu * (k - Math.pow(k,plusmonth))) /
+         * Math.pow(1 - k, 2) * Math.pow(1/k,extraDays/30) - (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) * -
+         * (extraDays/30 * Math.pow(1/k,(extraDays/30)-1)/Math.pow(k,2))) / Math.pow(1/k,extraDays/15)
+         * 
+         * y = (annu * (k - Math.pow(k,plusmonth)) / (1 - k)) / Math.pow(1/k,extraDays/30) - received;
+         * 
+         * Simple as that :)
+         * 
+         * The payments are computed with the bank's interest rate. All discounting is done with ours: The computed,
+         * effective interest rate derived through iterations.
+         * 
+         * 
+         * Before we can compute the effective interest rate, we must compute the annuity:
+         */
+
+        
+        int dueDays = 45; // Normal number of days from the first day in the month until the bill is due? HARDCODED!
+        int extraDays;
+
+        if (interestFreeDays > 30) {
+            extraDays = interestFreeDays - 30;
+        } else {
+            extraDays = dueDays - 30;
+        }
+
+        // Applying the formula for annuities in advance
+        double annuPurch = loanPurchase * (1 - kp) / (1 - Math.pow(kp, numberOfMonths));
+
+        /*
+         * The value of the annuity pertaining to cash withdrawals and annual fee must accrue interest for another 15 /
+         * 20 days, to be payed at the same day as the interest free purchase charges. To this end, we subtract the old
+         * "purchase annuity", computed above. We also subtract the periodic fee, as that should not accrue interest. It
+         * should have its nominal value at payday:
+         */
+
+
+        double annuOther = sumAnnuity - purchaseAnnuity - feePeriod;
+
+        // The interest accrued for the period from the end of the month until the bill is due
+        double extraRate = rateCash / 36000 * extraDays;
+
+        // The annuity for cash withdrawals, augmented with interest until the bill is due - for another 15/20 days.
+        double annuOtherInc = annuOther * (1 + extraRate);
+
+        // As we are no on the correct day, we add the nominal value of the periodic fee again
+        double annuUnrounded = annuPurch + annuOtherInc + feePeriod;
+
+        // The monthly annuity, taking 30 interest free days for purchases into account
+        double annu = Utils.roundoff(annuUnrounded, roundDirection, roundToInteger);
+
+        // CONTROLLING FOR THE MINIMUM MONTHLY PAYMENT:
+        if (minpayUnits > annu) {
+            // We intrerupt the computation if the minimum payment exeeds the computed annuity
+            throw new FreeLoanException(FreeLoanExceptionType.ANNUITY_FALL_BELOW_MIN_PAYMENT);
+        }
+
+        
+        /*
+         * 
+         * COMPUTING THE REMAINDER
+         * 
+         * When computing an annuity, we typically get numbers as 234.938267484958. This is not payable in a bank.
+         * 234.94 is, but these slightly too big annuity will make us overshoot the target payment at the end of the
+         * loan period (we pay a little too much).
+         * 
+         * This amount is the remainder. It is either ignored or compensated. It it is compensated, this is normally
+         * done with the last payment in the loan period.
+         * 
+         * We first compute the present value of the remainder. Then we compute the forward value, the value when it is
+         * actually to be paid, with the last payment.
+         * 
+         * But we normally cannot pay the remainder either. We can pay only the rounded reminder.
+         * 
+         * To investigate how the remainder affects our computation of effective interest rate, we then again has to
+         * compute the present value of the amount that is actually to be paid..
+         */
+
+        
+        // The fist suggestion of monthly discount rate is set to the nominal discount rate for purchases.
+        double k = kp;
+        double remainder;
+        double exp;
+                
+                
+        if (!ignoreRemainder) { 
+
+            // The remainder to be compensated / charged with the last payment
+
+            double PVRounded = (annu * (k - Math.pow(k, plusMonth)) / (1 - k)) / Math.pow(1 / k, extraDays / 30.0);
+
+            // Negative number: In customer's favour
+            double PVUnrounded = (annuUnrounded * (k - Math.pow(k, plusMonth)) / (1 - k)) / Math.pow(1 / k, extraDays / 30.0); 
+
+            // The unrounded present value of the remainder is the difference between these:
+            double grossRemainderPV = PVUnrounded - PVRounded;
+
+            // The forward value of the remainder (amount to be paid with the last term):
+            double remainderFV = grossRemainderPV * Math.pow(1 / k, numberOfMonths) * Math.pow(1 / k, extraDays / 30.0);
+
+            /*
+             * We find the remainder we shall actually pay by summing the unrounded annuity with the unrounded
+             * remainder. We then subtract the rounded annuity and round what is left. In this latter operation, we
+             * round to the nearest number, as we assume the intention of this remainder is to correct rounding errors
+             * done previously.
+             */
+            remainder = Utils.roundoff(Utils.roundoff(annuUnrounded + remainderFV, roundDirection, roundToInteger) - annu,
+                    roundDirection, roundToInteger);
+
+            /*
+             * Now, we have found the actually paid/rounded remainder in the last term. The present value of it is will
+             * vary with the effective interest rate we find. This present value must be included when we do the
+             * iterations:
+             * 
+             * remainderPV = remainder * ( Math.pow(k, numberOfMonths) * Math.pow(k,extraDays/30));
+             * 
+             * => remainderPV = remainder * ( Math.pow(k, numberOfMonths+extraDays/30);
+             * 
+             * 
+             * Where the exponentials can be summed:
+             */
+            exp = numberOfMonths + extraDays / 30.0;
+
+            /*
+             * remainderPV = remainder * Math.pow(k, exp);
+             * 
+             * We'll also need the differentiated of the present value of the remainder to add to the differentiated of the
+             * present value of the whole loan. We use the quotient rule. Bearing in mind that 'remainder' now is a constant.
+             * remainderPVDif = - remainder * (numberOfMonths + extraDays/30) * Math.round(1/k, numberOfMonths + extraDays/30 - 1)
+             * / Math.round(1/k, numberOfMonths + extraDays/30 + 2);
+             */
+
+        } else {
+
+            remainder = 0; // The remainder to be ignored
+
+            exp = numberOfMonths + extraDays / 30.0; // Still used in one of the formulas
+
+        } 
+
+
+
+        // THE ITERATIONS
+
+        int rounds = 0; // Counts the number of iterations
+
+        // 'y' is the function value that we want to make close to '0'. Given av positive value here, so we can enter the 'while'-loop.
+        double y = 1;
+
+        // 'y' differentiated
+        double yDif; 
+
+        // Here, we set the accuracy we want.
+        while (Math.abs(y) > 0.00001 && rounds < 100) 
+        {
+
+            y = (annu * (k - Math.pow(k, plusMonth)) / (1 - k)) * Math.pow(k, extraDays / 30.0) - received;
+
+            // We add the present value of the remainder 'remainderPV':
+            y += remainder * Math.pow(k, exp);
+
+            yDif = (
+                    (annu * (1 - plusMonth * Math.pow(k, numberOfMonths)) * (1 - k) + annu * (k - Math.pow(k, plusMonth))) /
+                    Math.pow(1 - k, 2) *
+                    Math.pow(1 / k, extraDays / 30.0)
+                    +
+                    annu *
+                    (k - Math.pow(k, plusMonth)) /
+                    (1 - k) *
+                    extraDays /
+                    30.0 *
+                    Math.pow(1 / k, (extraDays / 30.0) - 1) /
+                    Math.pow(k, 2)
+                    ) /
+                    
+                    Math.pow(1 / k, extraDays / 15.0);
+
+            // We add the differentiated of the present value of the remainder 'remainderPVDif':
+            yDif += remainder * exp * Math.pow(k, exp - 1);
+
+            double delta = -y / yDif; // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+            if (k + delta != 1) {
+                k += delta; // We increase/decrease 'k' (the annuity function crashes at j==1)
+            }
+
+            rounds++;
+
+        }
+
+        // The effective, annual interest rate with the "advanced" model
+        double erAdvanced = (Math.pow(1 / k, 12) - 1) * 100; 
+
+        // This should not happen, but it does in the JS version if input data is wierd. So we
+        // throw an exception to avoid problems later on.
+        if(Double.isNaN(er) || Double.isNaN(erAdvanced)) {
+            throw new FreeLoanException(FreeLoanExceptionType.EFFECTIVE_RATE_WAS_NAN);
+        }
+        
+        /*
+         * 4) RESULT REPORTING
+         */
+
+        FreeCardResult result = new FreeCardResult();
+        result.setGovernmentEffectiveRate(er);
+        result.setGovernmentMonthlyPayment(roundedAnnuity);
+        result.setEffectiveRate(erAdvanced);
+        result.setMonthlyPayment(annu);
+        result.setRemainder(remainder);
+
+        return result;
+
+    }
+    
+    
+    private void checkMandatoryFields() throws FreeLoanException {
+        
+        if(receivedCash == 0 && receivedPurchase == 0) {
+            throw new FreeLoanException("receivedCash and/or receivedPurchase");
+        }
+        
+        if(numberOfMonths == null) {
+            throw new FreeLoanException("numberOfMonths");
+        }
+        
+        if(rateCash == null) {
+            throw new FreeLoanException("rateCash");
+        }
+        
+        if(ratePurchase == null) {
+            throw new FreeLoanException("ratePurchase");
+        }
+        
+        if(minpayPerc == null) {
+            throw new FreeLoanException("minpayPerc");
+        }
+        
+        if(minpayUnits == null) {
+            throw new FreeLoanException("minpayUnits");
+        }
+        
+    }
+    
+
+    /**
+     * The cash withdrawn on the card during the period, included all the transaction dependent fees.<br>
+     * At least one of the parameters (receivedCash, receivedPurchase) have to be set.
+     */
+    public void setReceivedCash(double receivedCash) {
+        this.receivedCash = receivedCash;
+    }
+
+    /**
+     * The purchases done with the card during the period, included all the transaction dependent fees.<br>
+     * At least one of the parameters (receivedCash, receivedPurchase) have to be set.
+     */
+    public void setReceivedPurchase(double receivedPurchase) {
+        this.receivedPurchase = receivedPurchase;
+    }
+
+    public void setNumberOfMonths(Integer numberOfMonths) {
+        this.numberOfMonths = numberOfMonths;
+    }
+
+    /**
+     * The initial interest-free period (only applied to purchases) in number of days
+     */
+    public void setInterestFreeDays(int interestFreeDays) {
+        this.interestFreeDays = interestFreeDays;
+    }
+
+    /**
+     * Round direction for annuities
+     */
+    public void setRoundDirection(RoundDirection roundDirection) {
+        this.roundDirection = roundDirection;
+    }
+
+    /**
+     * false: Payment rounded to nearest 1/100 true: ..rounded to nearest integer
+     */
+    public void setRoundToInteger(boolean roundToInteger) {
+        this.roundToInteger = roundToInteger;
+    }
+
+    /**
+     * false: The "global" remainder at the end of the loan period is payed / compensated with the last payment<br>
+     * true: ..is ignored
+     */
+    public void setIgnoreRemainder(boolean ignoreRemainder) {
+        this.ignoreRemainder = ignoreRemainder;
+    }
+
+    /**
+     * Sum of all transaction fees for cash withdrawals
+     */
+    public void setFeeCashTransaction(double feeCashTransaction) {
+        this.feeCashTransaction = feeCashTransaction;
+    }
+
+    /**
+     * Sum of all transaction fees for purchases
+     */
+    public void setFeePurcTransaction(double feePurcTransaction) {
+        this.feePurcTransaction = feePurcTransaction;
+    }
+
+    /**
+     * Processing fees: Sum of eventual inital one-time fees to be payed at the beginning of the loan period. 
+     */
+    public void setFeeOrigination(double feeOrigination) {
+        this.feeOrigination = feeOrigination;
+    }
+
+    /**
+     * Fixed fee: Annual, fixed fee.
+     */
+    public void setFeeAnnual(double feeAnnual) {
+        this.feeAnnual = feeAnnual;
+    }
+
+    /**
+     * Fixed fee. Loans given as a credit line might have a periodical (monthly) fixed fee
+     */
+    public void setFeePeriod(double feePeriod) {
+        this.feePeriod = feePeriod;
+    }
+
+    /**
+     * OBLIGATORY: Interest rate for cash withdrawals might differ from interest on purchases
+     */
+    public void setRateCash(Double rateCash) {
+        this.rateCash = rateCash;
+    }
+
+    /**
+     * OBLIGATORY: Interest rate for purchases might differ from interest on cash withdrawals
+     */
+    public void setRatePurchase(Double ratePurchase) {
+        this.ratePurchase = ratePurchase;
+    }
+
+    /**
+     * The minimum, monthly payment as a percentage of current debt
+     */
+    public void setMinpayPerc(Double minpayPerc) {
+        this.minpayPerc = minpayPerc;
+    }
+
+    /**
+     * The minimum, monthly payment in currency units
+     */
+    public void setMinpayUnits(Double minpayUnits) {
+        this.minpayUnits = minpayUnits;
+    }
+    
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freecard/calc/RateAnnuityCalc.java b/src/main/java/no/finansportalen/freecalc/freecard/calc/RateAnnuityCalc.java
new file mode 100644
index 0000000..3ff9493
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freecard/calc/RateAnnuityCalc.java
@@ -0,0 +1,736 @@
+package no.finansportalen.freecalc.freecard.calc;
+
+import java.util.List;
+
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException;
+
+
+/**
+ * 
+ * <p>
+ * For an ordered stream of payments, the calculator computes the effective, annual interest
+ * rates through iterations.
+ * </p>
+ * 
+ * <p>
+ * The function 'calculate' returns one single number - the effective, annual interest rate in the common format:
+ * 3,521% pro anno -> 3.521
+ * </p>
+ * 
+ * 
+ * <p>
+ * We apply the annuity formula:
+ * </p>
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * 1) <b>ANNUITY-IMMEDIATE</b>
+ * </p>
+ * 
+ * <p>
+ * (When 'advance == false')
+ * </p>
+ * 
+ * 
+ ********************************************************************************* 
+ * <p>
+ * <b>FORMULA FOR ANNUITY-IMMEDIATE:</b>
+ * </p>
+ * 
+ * annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));<br>
+ * where<br>
+ * k = 1/(1+rate);<br>
+ ********************************************************************************* 
+ * 
+ * <p>
+ * We want to compute 'rate'.
+ * </p>
+ * 
+ * <p>
+ * We use other variable names:
+ * </p>
+ * 
+ * <p>
+ * payment = principal * (1 - k) / (k - Math.pow(k,calculationPeriods+1));
+ * </p>
+ * 
+ * <p>
+ * We rearrange it with respect to 'principal':
+ * </p>
+ * 
+ * <p>
+ * payment/principal = (1 - k) / (k - Math.pow(k,calculationPeriods+1));
+ * </p>
+ * 
+ * <p>
+ * => principal * (1-k) = payment * (k - Math.pow(k,calculationPeriods+1));
+ * </p>
+ * 
+ * <p>
+ * => principal = payment * (k - Math.pow(k,calculationPeriods+1))/ (1-k);
+ * </p>
+ * 
+ * <p>
+ * We want the right hand expression to be a present value equal to 'principal'. For computation purposes, we thus call
+ * the principal 'PV':
+ * </p>
+ * 
+ * <p>
+ * PV = payment * (k - Math.pow(k,calculationPeriods+1))/ (1-k);
+ * </p>
+ * 
+ * <p>
+ * For each interval/step we shall now compute the present value of the stream of payments from the beginning to the end
+ * of the interval.
+ * </p>
+ * 
+ * <p>
+ * We do that by subtracting the present value of one stream of payments from another:
+ * </p>
+ * 
+ * <ol>
+ *  <li>
+ *      A strem of payments with the current periodical amount running from the first payment in the loan to the last
+ *      payment in the interval:<br>
+ *      payment * (k - Math.pow(k,intervalEnd+1))/ (1-k)
+ *  </li>
+ * 
+ *  <li>
+ *      Minus a strem of payments with the same amount running from the first payment in the loan to the first payment in
+ *      the interval:<br>
+ *      payment * (k - Math.pow(k,intervalStart+1))/ (1-k)
+ *  </li>
+ * </ol>
+ * 
+ * 
+ * <p>
+ * The present value of the payment stream from the beginning to the end of the interval transpires by subtracting the
+ * second expression from the first:
+ * </p>
+ * 
+ * <p>
+ * PV = payment * (k - Math.pow(k,intervalEnd+1))/ (1-k) - payment * (k - Math.pow(k,intervalStart+1))/ (1-k)
+ * </p>
+ * 
+ * <p>
+ * We simplify:
+ * </p>
+ * 
+ * <p>
+ * => PV = (payment * k - payment * Math.pow(k,intervalEnd+1) - payment * k + payment * Math.pow(k,intervalStart+1))/
+ * 1-k
+ * </p>
+ * 
+ * <p>
+ * The terms 'payment * k' falls against each other, and we get:
+ * </p>
+ * 
+ * <p>
+ * => (payment * Math.pow(k,intervalStart+1) - payment * Math.pow(k,intervalEnd+1)) / 1-k
+ * </p>
+ * 
+ * <p>
+ * We can isolate 'payment / (1 - k)':
+ * </p>
+ * 
+ * <p>
+ * PV = (payment/(1-k)) * (Math.pow(k,intervalStart+1) - Math.pow(k,intervalEnd+1));
+ * </p>
+ * 
+ * <p>
+ * 'k' (the discount factor) is the unknown entity in our expression. The other variables are known.
+ * </p>
+ * 
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * 2) <b>ANNUITY-DUE</b>
+ * </p>
+ * 
+ * <p>
+ * (When 'advance == true')
+ * </p>
+ * 
+ ********************************************************************************* 
+ * <p>
+ * <b>FORMULA FOR ANNUITY-DUE:</b>
+ * </p>
+ * 
+ * annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));<br>
+ * where<br>
+ * k = 1/(1+rate);<br>
+ ********************************************************************************* 
+ * 
+ * <p>
+ * We reason the same way as for annuity-immediate, but use the annuity-due formula
+ * </p>
+ * 
+ * <p>
+ * PV = payment * (1 - Math.pow(k,termnumber))/(1 - k);
+ * </p>
+ * 
+ * <p>
+ * So that our present value becomes:
+ * </p>
+ * 
+ * <p>
+ * PV = payment * (1 - Math.pow(k,intervalEnd))/ (1-k) - payment * (1 - Math.pow(k,intervalStart))/ (1-k)
+ * </p>
+ * 
+ * <p>
+ * And the algebra:
+ * </p>
+ * 
+ * <p>
+ * PV = payment/(1-k) - payment * Math.pow(k,intervalEnd)/(1-k) - payment/(1-k) + payment *
+ * Math.pow(k,intervalStart)/(1-k)
+ * </p>
+ * 
+ * <p>
+ * The first and third term falls, leaving:
+ * </p>
+ * 
+ * <p>
+ * PV = payment * Math.pow(k,intervalStart)/(1-k) - payment * Math.pow(k,intervalEnd)/(1-k)
+ * </p>
+ * 
+ * <p>
+ * Common factor payment/(1-k) put ouside:
+ * </p>
+ * 
+ * <p>
+ * PV = payment/(1-k) * (Math.pow(k,intervalStart) - Math.pow(k,intervalEnd))
+ * </p>
+ * 
+ * 
+ ************************************************************************************************************************************************ 
+ * 
+ * <p>
+ * <b>NEWTON'S METHOD - DIFFERENTIATION</b>
+ * </p>
+ * 
+ * <p>
+ * No formula gives us the effective interest rate directly. We find it by trying a likely value for 'k', adjusting it
+ * until we get the interest rate with the accuracy we want. Newton's method shortens this try and fail process. It
+ * postulates that our 'k' will be found close to where the tangent to the curve in the present PV/k point crosses the
+ * k-axes:
+ * </p>
+ * 
+ * <p>
+ * <a href="http://en.wikipedia.org/wiki/Newton%27s_method">http://en.wikipedia.org/wiki/Newton%27s_method</a>
+ * </p>
+ * 
+ * <p>
+ * The graph is in the PV/k space. A value of 'k' will give a value of 'PV': PV = f(k).
+ * </p>
+ * 
+ * <p>
+ * The steepness of the tangent line is given by the differentiated function with respect to 'k':
+ * </p>
+ * 
+ * <p>
+ * PV = (payment/(1-k)) * (Math.pow(k,intervalStart+1) - Math.pow(k,intervalEnd+1));
+ * </p>
+ * 
+ * <p>
+ * For easier differentiation, we handle the two expressions on each side of the multiplication sign separately. We call
+ * them 'A' and 'B';
+ * </p>
+ * 
+ * <p>
+ * PV = A*B; where
+ * </p>
+ * 
+ * <p>
+ * A = payment/(1-k);
+ * </p>
+ * 
+ * <p>
+ * B = Math.pow(k,intervalStart+1) - Math.pow(k,intervalEnd+1);
+ * </p>
+ * 
+ * <p>
+ * One can find the differentiation rules on wikipedia:
+ * <a href="http://en.wikipedia.org/wiki/Differentiation_rules">http://en.wikipedia.org/wiki/Differentiation_rules</a>
+ * </p>
+ * 
+ * <p>
+ * PV' = A'*B + A*B'
+ * </p>
+ * 
+ * <p>
+ * We fist differietiate 'A' separately according to the Quotient rule:
+ * </p>
+ * 
+ * <p>
+ * A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+ * </p>
+ * 
+ * <p>
+ * The differntiated of the constant 'payment' is 0. The differentiated of the variable 'k' er 1:
+ * </p>
+ * 
+ * <p>
+ * => A' = - payment* (1-k)' / (1-k)^2
+ * </p>
+ * 
+ * <p>
+ * => A' = payment / Math.pow(1-k,2)
+ * </p>
+ * 
+ * <p>
+ * Then we differentiate 'B' according to the Power rule (y = x^n => y' = n*x^(n-1)):
+ * </p>
+ * 
+ * <p>
+ * B = Math.pow(k,intervalStart+1) - Math.pow(k,intervalEnd+1);
+ * </p>
+ * 
+ * <p>
+ * B' = (intervalStart+1)*Math.pow(k,intervalStart) - (intervalEnd+1) * Math.pow(k,intervalEnd)
+ * </p>
+ * 
+ * <p>
+ * We then assemble the whole differentiated PV according to the Product rule:
+ * </p>
+ * 
+ * <p>
+ * PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,intervalStart+1) - Math.pow(k,intervalEnd+1)) +
+ * (payment/(1-k))*((intervalStart+1)*Math.pow(k,intervalStart) - (intervalEnd+1) * Math.pow(k,intervalEnd));
+ * </p>
+ * 
+ * <p>
+ * As there is no notation for the differentiated in the programming language, we rename the differentiated
+ * PV' 'PVDif':
+ * </p>
+ * 
+ * <p>
+ * PVDif = PV'
+ * </p>
+ * 
+ * <br>
+ * <br>
+ * <p>
+ * <b>ANNUITY-DUE</b>
+ * </p>
+ * 
+ * <p>
+ * (When 'advance == true')
+ * </p>
+ * 
+ * <p>
+ * We reason the same way:
+ * </p>
+ * 
+ * <p>
+ * PV = payment/(1-k) * (Math.pow(k,intervalStart) - Math.pow(k,intervallslutt))
+ * </p>
+ * 
+ * <p>
+ * A = payment/(1-k);
+ * </p>
+ * 
+ * <p>
+ * B = Math.pow(k,intervalStart) - Math.pow(k,intervalEnd);
+ * </p>
+ * 
+ * <p>
+ * One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+ * </p>
+ * 
+ * <p>
+ * PV' = A'*B + A*B'
+ * </p>
+ * 
+ * <p>
+ * We fist differietiate 'A' separately according to the Quotient rule:
+ * </p>
+ * 
+ * <p>
+ * A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+ * </p>
+ * 
+ * <p>
+ * Den dervierte av konstanten 'payment' er 0. Den deriverte av variablen 'k' er 1:
+ * </p>
+ * 
+ * <p>
+ * => A' = - payment* (1-k)' / (1-k)^2
+ * </p>
+ * 
+ * <p>
+ * => A' = - payment / Math.pow(1-k,2)
+ * </p>
+ * 
+ * <p>
+ * Then we differentiate 'B' according to the Power rule:
+ * </p>
+ * 
+ * <p>
+ * B = Math.pow(k,intervalStart) - Math.pow(k,intervalEnd);
+ * </p>
+ * 
+ * <p>
+ * B' = intervalStart * Math.pow(k,intervalStart-1) - intervalEnd * Math.pow(k,intervalEnd-1)
+ * </p>
+ * 
+ * <p>
+ * We then assemble the whole differentiated PV' according to the Product rule:
+ * </p>
+ * 
+ * <p>
+ * PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,intervalStart) - Math.pow(k,intervalEnd)) +
+ * (payment/(1-k))*(intervalStart*Math.pow(k,intervalStart-1) - intervalEnd * Math.pow(k,intervalEnd-1));
+ * </p>
+ * 
+ * <p>
+ * As there is no notation for the differentiated in the programming language, we rename the differentiated
+ * PV' 'PVDif':
+ * </p>
+ * 
+ * <p>
+ * PVDif = PV'
+ * </p>
+ ************************************************************************************************************************************************ 
+ */
+class RateAnnuityCalc {
+    
+    /**
+     * The loan amount the borrower actually receives, net origination (start) fees
+     */
+    private Double received;
+    
+    /**
+     * The total number of periodic payments the loan spans
+     */
+    private Integer calculationPeriods;
+    
+    /**
+     * List containing all payments of the loan in each interval of the loan (an interval normally spans many payment terms)
+     */
+    private List<AnnuityLoanPeriod> payments;
+    
+    /**
+     * The number of the highest 'x' in payments that contains data
+     */
+    private Integer highestSegment;
+    
+    /**
+     * Due to rounding errors, a small amount could be due or outstanding at the end of the loan payment period
+     */
+    private Double residue;
+    
+    /**
+     * How many times each year the loan is capitalized. 12 (monthly) is most common, but other frequencies are supported
+     */
+    private Integer capitalizationFreq;
+    
+    /**
+     * The iterations need an interest rate to start with. A guess for the periodic interest rate in decimal form
+     */
+    private Double guessrate;
+    
+    /**
+     * When 'true', the terms are payed in advance ("Annuity due"). Otherwise, payments in arrears - ordinary annuities
+     */
+    private Boolean advance;
+    
+
+    public double calculate() throws FreeLoanException {
+        
+        checkMandatoryFields();
+
+        /*
+         * ITERATIONS:
+         * 
+         * We have two, pretty much identical, alternative while-loops for computing annuity-due and annuity-immediate,
+         * respectively. Instead, we could have performed frequent if-test inside the loops, but this would probably
+         * have impaired performance more.
+         * 
+         * When the function is called, at least one nominal interest rate will be among the parameters - the rate in
+         * the lowest segment. We skal use this rate as our first guess as to what the effective interest rate might be.
+         * 
+         * THe function does not use interest rate directly, only via the discount factor 'k'
+         */
+        double k = 1 / (1+guessrate/100);
+        int rounds = 0; // Counts the number of iterations
+        double PV = 0; // The present value
+        double PVDif = 0; // the differiented of the present value
+        double payment;
+        double y = 1;  // 'y' is the function value that we want to make close to '0'. Given av value so we can enter the 'while'-loop.
+
+        int intervalStart; // The number of payments from the start of the loan period until the interval starts
+        int intervalEnd; // The number of payments from the start of the loan period until the interval ends
+
+
+        // ANNUITIES IN ADVANCE: Annuities paid at the beginning of each period - annuity-due:
+        if (advance) {
+
+            // Here, we set the accuracy we want.
+            while (Math.abs(y) > 0.000001 && rounds < 100) { 
+
+                PV = 0; // The present value of the payments
+                PVDif = 0; // The differentiated of the present value
+
+                intervalStart = 0;
+                intervalEnd = 0;
+
+                /*
+                 * Now, we compute the present value 'PV' and the corresponding differetiated 'PVDif' for each interval
+                 * of the loan, given the current guess for the discount factor 'k.
+                 * 
+                 * In the case where the loan runse with different interest rates in succeeding intervals, we sum the
+                 * present value for each. We also sum their differentiated values.
+                 */
+                for (int i = highestSegment - 1; i >= 0; i--) {
+
+                    AnnuityLoanPeriod curPeriod = payments.get(i);
+
+                    /*
+                     * In order to compute the effective interest rate, we must compare all we pay with all we receive.
+                     * Hence, we must include eventual fees in the periodic payments.
+                     */
+                    payment = curPeriod.getPayment() + curPeriod.getPeriodicFee();
+
+                    intervalStart = intervalEnd; // The end of the former interval is the start of this
+
+                    intervalEnd += curPeriod.getNumberOfTerms(); // The upper limit of this interval
+
+                    PV += payment / (1 - k) * (Math.pow(k, intervalStart) - Math.pow(k, intervalEnd));
+
+                    /*
+                     * The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply
+                     * sum the differentiated in each interval
+                     */
+                    PVDif += (payment / Math.pow(1 - k, 2))
+                            * (Math.pow(k, intervalStart) - Math.pow(k, intervalEnd))
+                            + (payment / (1 - k))
+                            * (intervalStart * Math.pow(k, intervalStart - 1) - intervalEnd
+                                    * Math.pow(k, intervalEnd - 1));
+
+                }
+
+                /*
+                 * One payment - the residue - is so far missing. We add the present value of the residue to the present
+                 * value of the other payments. If it is paid in the last period, it must be discounted to find the
+                 * present value. The residue is already rounded. In annuity-due (annuities in advance) the last payment
+                 * is in period 'calculationPeriods-1':
+                 */
+                PV += residue * Math.pow(k, calculationPeriods - 1);
+
+                /*
+                 * We also want to add the differentiated of the residue to the differiented of the other payments.
+                 * 
+                 * The residue is a function of 'k', and we use the Power rule
+                 * (http://en.wikipedia.org/wiki/Power_rule):
+                 * 
+                 * y = x^n => y' = n*x^(n-1):
+                 * 
+                 * PVRes = residue*Math.pow(k,calculationPeriods-1) => PVResDif =
+                 * residue*(calculationPeriods-1)*Math.pow(k, calculationPeriods-2);
+                 */
+                PVDif += residue * (calculationPeriods - 1) * Math.pow(k, calculationPeriods - 2);
+
+                y = PV - received; // Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+
+                double delta = -y / PVDif; // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+                if (k + delta != 1) {
+                    k += delta; // We increase/decrease 'k' (the annuity function crashes at k=1)
+                }
+
+                rounds++;
+
+            }
+
+        // "NORMAL" ANNUITIES: Annuities paid at the end of each period - annuity-immediate:
+        } else {
+
+            while (Math.abs(y) > 0.000001 && rounds < 100) // Here, we set the accuracy we are looking at.
+            {
+
+                PV = 0; // The present value of the payments
+                PVDif = 0; // The differentiated of the present value
+
+                intervalStart = 0;
+                intervalEnd = 0;
+
+                /*
+                 * Now, we compute the present value 'PV' and the corresponding differetiated 'PVDif' for each interval
+                 * of the loan, given the current guess for the discount factor 'k.
+                 * 
+                 * In the case where the loan runse with different interest rates in succeeding intervals, we sum the
+                 * present value for each. We also sum their differentiated values.
+                 */
+                for (int i = highestSegment - 1; i >= 0; i--) {
+
+                    AnnuityLoanPeriod curPeriod = payments.get(i);
+
+                    /*
+                     * In order to compute the effective interesT rate, we must compare all we pay with all we receive.
+                     * Hence, we must include eventual fees in the periodic payments.
+                     */
+                    payment = curPeriod.getPayment() + curPeriod.getPeriodicFee();
+
+                    intervalStart = intervalEnd; // The end of the former interval is the start og this
+
+                    intervalEnd += curPeriod.getNumberOfTerms(); // The upper limit of this interval
+
+                    PV += payment / (1 - k) * (Math.pow(k, intervalStart + 1) - Math.pow(k, intervalEnd + 1));
+
+                    /*
+                     * The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply
+                     * sum the differentiated in each interval
+                     */
+                    PVDif += (payment / Math.pow(1 - k, 2))
+                            * (Math.pow(k, intervalStart + 1) - Math.pow(k, intervalEnd + 1))
+                            + (payment / (1 - k))
+                            * ((intervalStart + 1) * Math.pow(k, intervalStart) - (intervalEnd + 1)
+                                    * Math.pow(k, intervalEnd));
+
+                }
+
+                /*
+                 * One payment - the residue - is so far missing. We add the present value of the residue to the present
+                 * value of the other paymen. If it is paid in the last period, it must be discounted to find the
+                 * present value.
+                 * 
+                 * The residue was rounded when we computed it earlier:
+                 */
+                PV += residue * Math.pow(k, calculationPeriods);
+
+                /*
+                 * We also want to add the differentiated of the residue to the differiented of the other payments.
+                 * 
+                 * The residue is a function of 'k', and we use the Power rule
+                 * (http://en.wikipedia.org/wiki/Power_rule):
+                 * 
+                 * y = x^n => y' = n*x^(n-1):
+                 * 
+                 * PVRes = residue*Math.pow(k,calculationPeriods) => PVResDif =
+                 * residue*calculationPeriods*Math.pow(k, calculationPeriods-1);
+                 */
+                PVDif += residue * calculationPeriods * Math.pow(k, calculationPeriods - 1);
+
+                y = PV - received; // Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+
+                double delta = -y / PVDif; // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+
+                if (k + delta != 1) {
+                    k += delta; // We increase/decrease 'k' (the annuity function crashes at k=1)
+                }
+
+                rounds++;
+
+            }
+
+        }
+
+
+        /*
+         * 'k' is a discouting factor that was defined as k = 1/(1+e) where 'e' is the periodic, effective interest rate
+         * as decimal fraction. (1+e) is the growth rate for each period. Hence, the growth rate for a year is (1+e)^12
+         * (if there are 12 capitalizations per year). The effective, annual interest rate in decimal fraction, thus, is
+         * ((1+e)^12)-1. In percentage: er = (((1+e)^12)-1)*100. Since k = 1/(1+e) => (1+e) = 1/k, we substiute and get
+         * er = ((1/k)^12-1)*100:
+         */
+        return (Math.pow(1 / k, capitalizationFreq) - 1) * 100; // the effective annual interest rate - the principal result of freeLoan
+
+    }
+    
+    
+    private void checkMandatoryFields() throws FreeLoanException {
+        if(received == null) {
+            throw new FreeLoanException("received");
+        }
+        
+        if(calculationPeriods == null) {
+            throw new FreeLoanException("calculationPeriods");
+        }
+        
+        if(payments == null) {
+            throw new FreeLoanException("paymentarray");
+        }
+        
+        if(highestSegment == null) {
+            throw new FreeLoanException("highestSegment");
+        }
+        
+        if(residue == null) {
+            throw new FreeLoanException("residue");
+        }
+        
+        if(capitalizationFreq == null) {
+            throw new FreeLoanException("capitalizationFreq");
+        }
+        
+        if(guessrate == null) {
+            throw new FreeLoanException("guessrate");
+        }
+        
+        if(advance == null) {
+            throw new FreeLoanException("advance");
+        }
+    }
+
+
+    /**
+     * The loan amount the borrower actually receives, net origination (start) fees
+     */
+    public void setReceived(Double received) {
+        this.received = received;
+    }
+
+    /**
+     * The total number of periodic payments the loan spans
+     */
+    public void setCalculationPeriods(Integer calculationPeriods) {
+        this.calculationPeriods = calculationPeriods;
+    }
+
+    /**
+     * List containing all payments of the loan in each interval of the loan (an interval normally spans many payment terms)
+     */
+    public void setPayments(List<AnnuityLoanPeriod> payments) {
+        this.payments = payments;
+    }
+
+    /**
+     * The number of the highest 'x' in payments that contains data
+     */
+    public void setHighestSegment(Integer highestSegment) {
+        this.highestSegment = highestSegment;
+    }
+
+    /**
+     * Due to rounding errors, a small amount could be due or outstanding at the end of the loan payment period
+     */
+    public void setResidue(Double residue) {
+        this.residue = residue;
+    }
+
+    /**
+     * How many times each year the loan is capitalized. 12 (monthly) is most common, but other frequencies are supported
+     */
+    public void setCapitalizationFreq(Integer capitalizationFreq) {
+        this.capitalizationFreq = capitalizationFreq;
+    }
+
+    /**
+     * The iterations need an interest rate to start with. A guess for the periodic interest rate in decimal form
+     */
+    public void setGuessrate(Double guessrate) {
+        this.guessrate = guessrate;
+    }
+
+    /**
+     * When 'true', the terms are payed in advance ("Annuity due"). Otherwise, payments in arrears - ordinary annuities
+     */
+    public void setAdvance(Boolean advance) {
+        this.advance = advance;
+    }
+    
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freecard/result/FreeCardResult.java b/src/main/java/no/finansportalen/freecalc/freecard/result/FreeCardResult.java
new file mode 100644
index 0000000..be6a216
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freecard/result/FreeCardResult.java
@@ -0,0 +1,82 @@
+package no.finansportalen.freecalc.freecard.result;
+
+public class FreeCardResult {
+    
+    Double governmentEffectiveRate;
+    Double governmentMonthlyPayment;
+    Double effectiveRate;
+    Double monthlyPayment;
+    Double remainder;
+
+    
+    /**
+     * Effective, annual interest rate according to the "government template"
+     */
+    public Double getGovernmentEffectiveRate() {
+        return governmentEffectiveRate;
+    }
+    
+    /**
+     * Effective, annual interest rate according to the "government template"
+     */
+    public void setGovernmentEffectiveRate(Double governmentEffectiveRate) {
+        this.governmentEffectiveRate = governmentEffectiveRate;
+    }
+    
+    /**
+     * Annuity according to the "government template"
+     */
+    public Double getGovernmentMonthlyPayment() {
+        return governmentMonthlyPayment;
+    }
+    
+    /**
+     * Annuity according to the "government template"
+     */
+    public void setGovernmentMonthlyPayment(Double governmentMonthlyPayment) {
+        this.governmentMonthlyPayment = governmentMonthlyPayment;
+    }
+    
+    
+    /**
+     * Effective, annual interest rate when taking interest-free period into account
+     */
+    public Double getEffectiveRate() {
+        return effectiveRate;
+    }
+    
+    
+    /**
+     * Effective, annual interest rate when taking interest-free period into account
+     */
+    public void setEffectiveRate(Double effectiveRate) {
+        this.effectiveRate = effectiveRate;
+    }
+    
+    
+    /**
+     * Annuity when taking interest-free period into account
+     */
+    public Double getMonthlyPayment() {
+        return monthlyPayment;
+    }
+    
+    
+    /**
+     * Annuity when taking interest-free period into account
+     */
+    public void setMonthlyPayment(Double monthlyPayment) {
+        this.monthlyPayment = monthlyPayment;
+    }
+    
+    
+    public Double getRemainder() {
+        return remainder;
+    }
+    
+    public void setRemainder(Double remainder) {
+        this.remainder = remainder;
+    }
+    
+    
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoan.java b/src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoan.java
new file mode 100644
index 0000000..0cdeb65
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoan.java
@@ -0,0 +1,2922 @@
+package no.finansportalen.freecalc.freeloan.calc;
+
+
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+import no.finansportalen.freecalc.common.SerialLoanPeriod;
+import no.finansportalen.freecalc.common.Utils;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException.FreeLoanExceptionType;
+import no.finansportalen.freecalc.freeloan.result.AnnuityLoanResult;
+import no.finansportalen.freecalc.freeloan.result.SerialLoanResult;
+
+import java.util.ArrayList;
+import java.util.List;
+
+
+/**
+ * 
+ * 
+ * <p>
+ * The class computes effective annual percentage rate (EAPR) for a loan. As a side product, other values that could
+ * come useful are computed too.
+ * </p>
+ * 
+ * 
+ * <p>
+ * The class handles three different types of loan segments:
+ * </p>
+ * 
+ * <ol>
+ * <li>Normal: The interest rate for the whole loan is determined by the initial size of the principal when the loan is
+ * given. The rate does not change during the loan period. This is the most common and the simplest model.</li>
+ * 
+ * <li>Thresholds: The interest rate for the whole loan changes when the principal passes certain thresholds (the
+ * parameter 'rateThresholds' == true). For instance, for a loan on 1,5 million, the rate might be 3.5% until it is paid
+ * off below 1 million, when the interes rate might rise to 3.75%. But there is only one rate at the time for the whole
+ * loan.</li>
+ * 
+ * <li>Concurrent rates: Separate segments of the loan have different interest rates at the same time. All installments
+ * are deducted from the uppermost segment of the loan. This segment, thus, is payed dowm first. For instance, ther rate
+ * for the segment between 0 and 500,000 could be 4%, between 500,000 and 1,000,000 i could be 3.5% and above 1,000,000
+ * it could be 3%. All applying at the same time. (The parameter 'rateSegments' == true)</li>
+ * </ol>
+ * 
+ * 
+ * <p>
+ * <b>PARMETERS:</b>
+ * </p>
+ * 
+ * <p>
+ * One of the two parameters 'firstpayment' or 'numberofperiods' must have a value. If both have a value,
+ * 'numberofperiods' is used. Not all values for 'firstpayment' will be big enough to encompass a down payment of the
+ * loan and will thus result in an error.
+ * </p>
+ * 
+ * <p>
+ * The function does not return the number of periods for loans that run with multiple, concurrent interest rates in
+ * different segments ('rate_segments' == true).
+ * </p>
+ * 
+ * <p>
+ * For loans for where the rate can change ('rate_thresholds' == true), the number of periods are computed with the
+ * first interest rate. This might be inaccurate.
+ * </p>
+ * 
+ * <p>
+ * When there is an initial period where only interest is paid ('interestonly_periods' > 0) and the function computes
+ * periods, the interest only periods are added to the payment time. The reason is that if it is subtracted, as is
+ * otherwise the case, the periodic payments increase in the down payment period. Here, they would increase to an amount
+ * bigger than the user has indicated he wants as as his periodical payment.
+ * </p>
+ * 
+ * <p>
+ * The combination of a chosen payment/annuity and a loan that changes interest rate after thresholds are passed is
+ * possible, but almost surrealistic. This combination will result in an error.
+ * </p>
+ * 
+ * <p>
+ * 'ignoreOrigination': Several charges could be incurred when taking a loan. These fees and charges have different
+ * names. Some are a percentage of the loan, some are a fixed sum. If the 'ignoreOrigination' variable is TRUE, these
+ * fees are ignored when computing effective interest rate. It is logically correct to include them ('ignoreOrigination'
+ * = false), but the function is able to do both.
+ * </p>
+ * 
+ * <p>
+ * 'annuity-due' == false implies Annuity-immediate: Annuity-immediate (interest in arrears): Equal payments are made at
+ * the end of each period. This is the most common annuity loan model. Annuity-due (interest in advance): Payments are
+ * made at the beginning of each period. For annuity loans, we presuppose that the whole of the annuity is paid in
+ * advance. For serial loans, only the interest is paid in advance.
+ * </p>
+ * 
+ * <p>
+ * The annuity period could deviate from the payment period. For instance, the loan might have four annuities a year,
+ * but still be paid monthly.
+ * </p>
+ * 
+ * <p>
+ * Origination fees: There might be several one-time fees payable at the beginning of the loan period: Arrangement fee,
+ * processing fee, application fee, origination fee, appraisal fee, credit report fee, tax service fee, underwriting
+ * fee, document preparation fee, wire transfer fee, office administration fee and many others. This function allows two
+ * parameters for fees of a fixed sum, called 'feeProcessing' and 'feeDocument'.
+ * </p>
+ * 
+ * <p>
+ * Together, these one-time fees are referred to as "origination fees".
+ * </p>
+ * 
+ * <p>
+ * (There are normally recurring / periodical fees as well. One is in the variable 'feePeriodPerc'. Others are in the
+ * array 'priceStorage').
+ * </p>
+ * 
+ * <p>
+ * There is also a parameter for a one-time percentage fee due at the beginning of the loan period: 'feePercentage'.
+ * This if often the case for open credit facilities. We make the presumption that the loan is drawn to the credit limit
+ * at the start of the loan period, so that this percentage is simply computed from the initial principal.
+ * </p>
+ * 
+ * <p>
+ * Normally, you are offered one interest rate for the whole loan sum for the whole loan period. But in some loan
+ * contracts the interest rate changes when the loan is payed down beyond certain thresholds. This is signalled with
+ * 'rateThresholds' == true.
+ * </p>
+ * 
+ * <p>
+ * Even if the interest rate might change when the principal passes certain thresholds, you normally have only one
+ * interest rate at the time. But there are loan contracts where the loan might run with separate intrest rates in each
+ * segment. For instance, ther rate for the segment between 0 and 500,000 could be 4%, between 500,000 and 1,000,000 i
+ * could be 3.5% and above 1,000,000 it could be 3%. All applying at the same time. This is the case when 'rateSegments'
+ * == true.
+ * </p>
+ * 
+ * 
+ * 
+ * <p>
+ * Each segment/step is defined by a lower and upper limit. That lowest segment comes first, at 'step' == 1. We
+ * presuppose that the segments don't overlap.
+ * </p>
+ * 
+ * 
+ * 
+ * <p>
+ * <b>TERMINOLOGY</b>
+ * </p>
+ * 
+ * <p>
+ * These terms will be encoutered through FreeLoan:
+ * </p>
+ * 
+ * <p>
+ * "Principal": The remaining debt at any point during the loan period. The principal at the beginning of the loan
+ * period might differ from the amount the borrower receives, as the bank might add fees to the debt. (Some sources
+ * define the principal only as the size of the intital loan).
+ * </p>
+ * 
+ * <p>
+ * "Installment": A payment that dimishes the principal during the loan period. (Some sources use this term for all
+ * payments, including interest. Here, only down payments of the principal are meant).
+ * </p>
+ * 
+ * <p>
+ * "Term": A regular payment, normally composed of installment, interest rate and fees, made by the borrower after
+ * taking the loan.
+ * </p>
+ * 
+ * <p>
+ * "Received": The money the borrower actually receives when taking a loan. This might be lower than the debt booked
+ * with the bank. Fees make out the difference.
+ * </p>
+ * 
+ * <p>
+ * "Loan period": The period from the loan is taken until it has been completely paid back.
+ * </p>
+ * 
+ * <p>
+ * "Capitalization": The process of computing accrued interest and fees. Normally, the bank will do this at all agreed
+ * payment dates. In that case, the capitalization frequency is the same as the payment frequency. But sometimes they
+ * are not. For instance, quarterly capitalization and monthly payments are not unusual.
+ * </p>
+ * 
+ * <p>
+ * "Segment": A 'segment' is a part of a loan currently running with a certain interest rate. For example the part of
+ * the loan between one and two millions when this is the upper and lower limits for a rate step.
+ * </p>
+ * 
+ * <p>
+ * "Interval": An 'interval' is a period in time, for example the number of periods it takes for the principal to be
+ * payed down from one segment threshold to the next.
+ * </p>
+ * 
+ * <p>
+ * In the simplest and most common loans, there is only one segment and one interval.
+ * </p>
+ * 
+ * <p>
+ * <b>INPUT CONTROL PRIOR TO CALLING FREELOAN</b>
+ * </p>
+ * 
+ * <p>
+ * The combination of an initial interest free period and running the calculator in period mode might produce absurd
+ * results, for instance payback periods of thousands of years. So this combination should be avoided.
+ * </p>
+ * 
+ */
+public class FreeLoan {
+
+    /**
+     * OBLIGATORY: The loan amount received by the borrower. (Due to fees, this might deviate from the principal in the
+     * bank's books).
+     */
+    private Double received = null;
+
+    /**
+     * PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+     */
+    private Double firstPayment = null;
+    
+    /**
+     * PAYMENT MODE: Either this loan time or 'firstPayment" is obligatory. With 'numberOfPeriods' != null, the periodical payments (annuities) are computed.
+     */
+    private Integer numberOfPeriods = null;
+
+    /**
+     * OBLIGATORY: In order to compute annual, effective interest rate, some connection to years must be made.
+     */
+    private Integer periodsPerYear = null;
+
+    /**
+     * The planned residual value of the loan ("balloon") to be paid when the loan period is over.
+     */
+    private double balloon = 0;
+
+    /**
+     * Integer > 0: The initial interest-only period wanted by the borrower
+     */
+    private int interestonlyPeriods = 0;
+
+    /**
+     * NORMAL: Annuities are rounded after normal rules UP: Rounded up DOWN. Rounded down
+     */
+    private Utils.RoundDirection roundDirection = Utils.RoundDirection.NORMAL;
+
+    /**
+     * false: Payment rounded to nearest 1/100 true: ..rounded to nearest integer
+     */
+    private boolean roundToInteger = false;
+
+    /**
+     * false: The "global" remainder at the end of the loan period is payed / compensated with the last payment true:
+     * ..is ignored
+     */
+    private boolean ignoreRemainder = false;
+
+    /**
+     * false: Origination fee added to the loan and included in the computation. true: Computation performed without
+     * origination fee *)
+     */
+    private boolean ignoreOrigination = false;
+
+    /**
+     * false: Annuity-immediate true: Annuity-due
+     */
+    private boolean annuityDue = false;
+
+    /**
+     * 0: 12 (Capitalization 12 times a year). Integer>0: Any number of capitalizations per year.
+     */
+    private int capitalizationFreq = 0;
+
+    /**
+     * Integer >= 0: The maximal interest only-period offered by the bank. In years.
+     */
+    private int interestonlyPeriodsMax = 0;
+
+    /**
+     * Number >= 0: Processing fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period.
+     */
+    private double feeProcessing = 0;
+
+    /**
+     * Number >= 0: Document preparation fee: A one-time fee of a fixed sum to be payed at the beginning of the loan
+     * period.
+     */
+    private double feeDocument = 0;
+
+    /**
+     * Number >= 0: Percentage fee: One-time fee to be payed at the beginning of the loan period computed out of the
+     * principle (gross loan). 2 = 2%.
+     */
+    private double feePercentage = 0;
+
+    /**
+     * 0: No percentage fee. Number: Percentage. Loans given as a credit line have a periodical has a fee as a percentage
+     * of principal PER PERIOD
+     */
+    private double feePeriodPerc = 0;
+
+    /**
+     * false: No - intial interest rate is fixed for the whole loan for the whole loan period. true: Rate might change
+     */
+    private boolean rateThresholds = false;
+
+    /**
+     * false: No - all segments of the loan has the same interest rate. true: Every segment might have separate interest
+     * rates.
+     */
+    private boolean rateSegments = false;
+
+    /**
+     * OBLIGATORY: Contains information about product segments. It must contain at least one element with annualInterest
+     * step set
+     * 
+     * 'priceStorage[0]' is not used (setter adds a dummy) because JS implementation was written so
+     */
+    private PriceStorageStep[] priceStorage = null;
+    
+    /**
+     * Only for serial loans. Does not apply to annuity loans.
+     */
+    private Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;
+
+    
+    
+    /**
+     * 
+     * <p>PREPARATION AND ADAPTION OF DATA</p>
+     * <p>INNDATA CONTROL - ERRORS CAUSING INTERRUPTION</p>
+     * 
+     * <p>Indata control are pressupposedly performed outside of the function. But also a little here.</p>
+     */
+    private void preprocess() throws FreeLoanException {
+
+
+        
+        // If the the customer wants a longer period when he only pays interest than the bank offers
+        // The user wishes a period where only interest is payed
+        if (interestonlyPeriods > 0) {
+
+            if (interestonlyPeriodsMax == 0 || interestonlyPeriods > interestonlyPeriodsMax) {
+                throw new FreeLoanException(FreeLoanExceptionType.INTEREST_PERIOD_TOO_LONG);
+            }
+
+        }
+
+        // The parameter 'priceStorage' is an array. It must have at least one element:
+        if (priceStorage.length < 1) {
+            throw new FreeLoanException(FreeLoanExceptionType.FIRST_SEGMENT_NOT_DEFINED);
+        }
+
+        // .. and return an error number if the requested residual/ballon payment is smaller than the smallest loan
+        // offered by the bank:
+        if (balloon < priceStorage[1].getLowerLimit()) {
+            throw new FreeLoanException(FreeLoanExceptionType.BALLOON_TOO_SMALL);
+        }
+
+        // We also return an error value if the residual/ballon payment is bigger than the upper limit of the loan
+        // product:
+        if (priceStorage[priceStorage.length - 1].getUpperLimit() > 0
+                && balloon > priceStorage[priceStorage.length - 1].getUpperLimit()) {
+            throw new FreeLoanException(FreeLoanExceptionType.BALLOON_TOO_BIG);
+        }
+        
+        
+        /*
+         * Correspondingly, FreeLoan does not support the combination of a user chosen periodic payment and loan models
+         * where different interest rates run in concurrent loan segments:
+         */
+        if (firstPayment != null && firstPayment != 0 && rateSegments) {
+            throw new FreeLoanException(FreeLoanExceptionType.UNSUPPORTED_COMBINATION_PERIODIC);
+        }
+        
+
+        // The function uses a default capitalization frequency of 12 (monthly) - although an error message might be
+        // more appropriate..
+        if (capitalizationFreq == 0) {
+            capitalizationFreq = 12;
+        }
+
+    }
+    
+    
+
+    
+    
+    /**
+     * 
+     * 
+     * <p><b>EFFECTIVE INTEREST RATE FOR ANNUITY LOANS</b></p>
+     * 
+     * <p><b>WHAT THE FUNCTION DOES:</b></p>
+     * 
+     * <p>The function computes effective annual percentage rate (EAPR) for an annuity loan. As a side product, other
+     * values that could come useful are computed too.
+     * 
+     * 
+     * <p>The function handles three different types of loan segments:
+     * 
+     * <ol>
+     * <li>The interest rate for the whole loan is determined by the initial size of the principal when the loan is
+     * given. The rate does not change during the loan period. This is the most common and the simplest model.</li>
+     * 
+     * <li>The interest rate for the whole loan changes when the principal passes certain thresholds (the parameter
+     * 'rateThresholds' == true)</li>
+     * 
+     * <li>Separate segments of the loan have different interest rates at the same time. All installments are deducted
+     * from the uppermost segment of the loan. This segment, thus, is payed dowm first. For instance, ther rate for the
+     * segment between 0 and 500,000 could be 4%, between 500,000 and 1,000,000 i could be 3.5% and above 1,000,000 it
+     * could be 3%. All applying at the same time. (The parameter 'rateSegments' == true)</li>
+     * </ol>
+     * 
+     * <p><b>SECTIONS:</b></p>
+     * 
+     * <p>The function consists of seven separate, numbered sections:</p>
+     * 
+     * <ol>
+     * <li>Preparation and adaption of data</li>
+     * <li>An eventual residual/balloon payment</li>
+     * <li>The number of periods in each interval</li>
+     * <li>An eventual interest-only period</li>
+     * <li>Global residue</li>
+     * <li>Effective interest rate</li>
+     * <li>Result reporting</li>
+     * </ol>
+     * 
+     * <p><b>THE PLAN</b></p>
+     * 
+     * <p>The interest rate is computed by iterations. Before performing the iterations, we need to know the annity and
+     * over how many periods it runs. When we have a loan that changes interest rate during the payment period, we could
+     * have adjacent intervals with different annuities. The function also supports parallell interest rates.</p>
+     * 
+     * <p>Hence, all the relevant annuities, number of periods and remainders are first computed and stored in the array
+     * 'interval_data'.</p>
+     * 
+     * <p>Generally, we use the object properties to compute the values in 'interval_data' before we use the values in
+     * 'interval_data' to compute the result(s)</p>
+     */
+    public AnnuityLoanResult annuityLoan() throws FreeLoanException {
+
+        preprocess();
+        
+        /* 
+        * Freloan is not able to compute the effecive interest rate for a loan running with different interest rates at
+        * the same time if the loan is an annuity loan with annuity-due - annuities in advance. When 'rateSegments ==
+        * true', 'annuityDue == true' and 'serial == false' at the same time, error is thrown
+        */
+       if (rateSegments && annuityDue) {
+           throw new FreeLoanException(FreeLoanExceptionType.UNSUPPORTED_COMBINATION_ADVANCE);
+       }
+
+        /*
+         * 
+         * 1) PREPARATION AND ADAPTION OF DATA:
+         * 
+         * DATA IN A FORMAT SUITABLE FOR OUR FORMULAS:
+         * 
+         * It is mathematically correct to take all fees into consideration when computing effective interest rate. But
+         * the function also supports the ommittance of the start/orgination fees:
+         */
+
+        double principal;
+
+        if (ignoreOrigination) {
+            principal = received;
+        } else {
+            // What the user receives plus fees
+            principal = (received + feeDocument) * (100 + feePercentage) / 100;
+
+            principal += feeProcessing;
+
+        }
+
+        // Error if the residual/ballon payment is greater than the principal:
+
+        if (balloon > principal) {
+            throw new FreeLoanException(FreeLoanExceptionType.UNSUPPORTED_COMBINATION_ADVANCE);
+        }
+
+        /*
+         * Total number of calculation periods are the total number of periods, 'numberOfPeriods' divided by
+         * 'periodsPerYear' to find the number of years. We then multiply this by the capitalization frequency,
+         * 'capitalizationFreq' to find the number of calculation periods.
+         */
+
+        // periodsPerYear
+        double calculation_periods = 0;
+        
+        // In JS version, if numberOfPeriods is not set, then calculation_periods stays zero. So are doing we.
+        if(numberOfPeriods != null) {
+            calculation_periods = numberOfPeriods / (double) periodsPerYear * capitalizationFreq;
+        }
+        
+
+        // The number of intial interest-only periods (where no installments are paid):
+        double installment_grace_periods = interestonlyPeriods / (double) periodsPerYear * capitalizationFreq;
+
+        // The number of "normal" periodical payments that include installment:
+        double installment_periods = calculation_periods - installment_grace_periods;
+
+        /*
+         * 'rate_divisor' is the divisor the nominal, annual interest rate must be divided by to obtain the periodic
+         * interest rate. For instance, a nominal interest rate of 6% equals a nominal monthly decimal rate of 0,005 =>
+         * 6/1200.
+         */
+
+        int rate_divisor = 100 * capitalizationFreq;
+
+        
+        //If the user has chosen to a periodic payment,'firstpayment', rather than the number of periods:
+
+
+        if (firstPayment != null && firstPayment != 0) {
+            
+            /* If 'firstpayment' is smaller than the interest rate part, the payment cannot service the loan: */
+
+            if (principal * priceStorage[1].getAnnualInterest() / rate_divisor > firstPayment) {
+                throw new FreeLoanException(FreeLoanExceptionType.PAYMENT_TOO_SMALL);
+            }
+
+            
+            /* If 'firstpayment' equals the interest rate part, we can service the loan only if the balloon equals the principal: */
+            if (principal * priceStorage[1].getAnnualInterest() / rate_divisor == firstPayment && principal != balloon) {
+                throw new FreeLoanException(FreeLoanExceptionType.PAYMENT_TOO_SMALL);
+            }
+
+       }
+        
+        
+        /*
+         * 2) AN EVENTUAL RESIDUAL (BALLOON PAYMENT):
+         * 
+         * The residual/balloon payment is the eventual part of the loan that is not payed back through the periodic
+         * payments, but rather through a "balloon" payment at the end of the loan period.
+         * 
+         * We subtract the balloon from all segment limits before computing the annuity and the length of the payment
+         * period for each segment.
+         * 
+         * ADJUSTMENT OF SEGMENT LIMITS:
+         * 
+         * When the loan has a planned balloon, we divide it in two:
+         * 
+         * - The balloon is treated as an interest-only loan
+         * 
+         * - The other part of the loan is treated as an ordinary annuity loan
+         * 
+         * But by doing this, the limits for each loan segment in 'priceStorage' will no longer encompass the correct
+         * loan amount. If the loan is to have a planned residual (balloon payment) we thus make an adjusted copy of
+         * 'priceStorage' where the amount 'balloon' are subtracted from all the limit values.
+         * 
+         * We place these adjusted limits in a new array called 'price_storage_cop'.
+         */
+
+        // The interest amount for the residual (balloon) for each periodic payment
+        double interest_amount_res = 0;
+
+        // A copy of 'priceStorage' with adjusted segment limits
+        ArrayList<PriceStorageStep> price_storage_cop = new ArrayList<PriceStorageStep>();
+
+        // The remaining principal (less balloon) to be serviced as an annuity loan
+        double principal_ann;
+
+        principal_ann = principal - balloon;
+
+        if (balloon > 0) {
+
+            // 'price_storage_cop' could have fewer steps than the original 'priceStorage'
+            int nr = 1;
+
+            for (int i = 1; i < priceStorage.length; i++) {
+
+                PriceStorageStep curPriceStorageStep = priceStorage[i];
+                /*
+                 * If the balloon is lower than the upper limit for the segment, or we are in the first (lower) segment
+                 * - where an empty value is interpreted as "unlimited" - this is a relevant segment:
+                 */
+
+                if (balloon <= curPriceStorageStep.getUpperLimit()) {
+
+                    if (nr == 1 && price_storage_cop.isEmpty()) {
+                        // the 0 element is a dummy
+                        price_storage_cop.add(new PriceStorageStep());
+                    }
+
+                    price_storage_cop.add(new PriceStorageStep());
+
+                    PriceStorageStep curPriceStorageCop = price_storage_cop.get(nr);
+
+                    if (curPriceStorageStep.getLowerLimit() > balloon) {
+                        curPriceStorageCop.setLowerLimit(curPriceStorageStep.getLowerLimit() - balloon);
+                    } else {
+                        curPriceStorageCop.setLowerLimit(0);
+                    }
+
+                    /* If upperLimit is greater than the balloon: */
+
+                    if (curPriceStorageStep.getUpperLimit() >= balloon) {
+                        curPriceStorageCop.setUpperLimit(curPriceStorageStep.getUpperLimit() - balloon);
+                    } else {
+                        curPriceStorageCop.setUpperLimit(0);
+                    }
+
+                    // The periodic fee is the same
+                    curPriceStorageCop.setPeriodicalFee(curPriceStorageStep.getPeriodicalFee());
+
+                    // The interest rate is the same
+                    curPriceStorageCop.setAnnualInterest(curPriceStorageStep.getAnnualInterest());
+
+                    // If there is one more segment..
+                    if (curPriceStorageCop.getUpperLimit() != 0) {
+                        nr++;
+                    }
+
+                }
+
+            }
+
+            // PERIODICAL INTEREST AMOUNT for the balloon:
+
+            if (rateSegments) {
+
+                /*
+                 * When 'rateSegments' == true, and the balloon spans more then one segment in 'priceStorage', the
+                 * interest rate amount for the balloon is computed using more than one interest rate. However, since
+                 * the size of the residual/balloon does not change throught the loan period, the periodical interest
+                 * rate amount does not either.
+                 * 
+                 * We first search for the highest interest rate segment that overlaps the resiudal. We can infer this
+                 * from the length of the two arrays/matrixes 'priceStorage' and 'price_storage_cop'. If they have the
+                 * same length, this means that the balloon is computed with one interest rate only, and this rate is
+                 * the same as the lowest rate in 'priceStorage'. If 'priceStorage' if one segment longer, there is
+                 * probably two interest rates for 'balloon'
+                 */
+
+                // +1 guarantees at least one run-through
+                int start = priceStorage.length - price_storage_cop.size() + 1;
+
+                double high;
+
+                for (int i = start; i > 0; i--) {
+
+                    PriceStorageStep curPriceStorageStep = priceStorage[i];
+
+                    if (balloon > curPriceStorageStep.getLowerLimit() || curPriceStorageStep.getLowerLimit() == 0) {
+
+                        // Double.MAX_VALUE => unlimted
+                        if (curPriceStorageStep.getUpperLimit() == Double.MAX_VALUE) {
+                            high = balloon;
+                        } else {
+                            high = curPriceStorageStep.getUpperLimit();
+                        }
+
+                        if (balloon > high) {
+                            interest_amount_res += (high - curPriceStorageStep.getLowerLimit())
+                                    * curPriceStorageStep.getAnnualInterest() / rate_divisor;
+                        } else {
+                            interest_amount_res += (balloon - curPriceStorageStep.getLowerLimit())
+                                    * curPriceStorageStep.getAnnualInterest() / rate_divisor;
+                        }
+
+                    }
+                }
+
+            }
+
+            
+        // In order for the algoritm to be stringent, we use 'price_storage_cop' also when there is no balloon:
+        } else {
+        
+            // 'price_storage_cop' now is a copy of 'priceStorage'
+            price_storage_cop = new ArrayList<PriceStorageStep>();
+            for (int i = 0; i < priceStorage.length; i++) {
+                price_storage_cop.add(priceStorage[i]);
+            }
+        }
+
+        /*
+         * 
+         * 3) THE NUMBER OF PERIODS IN EACH INTERVAL:
+         * 
+         * In order to compute the effective interest rate, we have to know the amount of every payment between the
+         * lender and the borrower and on what time they occur.
+         * 
+         * This part of the program determines how many payments are made with each interest rate (most often, there is
+         * only one) and what the payment in that interval is.
+         * 
+         * (When there is only one interest rate, there is of course only one period - the whole loan period - and one
+         * annuity/payment amount).
+         * 
+         * The values are stored in the array 'interval_data', which subsequently will be used during the
+         * iterations in order to compute the effective interest rate.
+         * 
+         * We find nominal interest rates, fees and segment limits in the function parmeter array 'priceStorage'. In
+         * this section, we use an adjusted copy, called 'price_storage_cop'. The segment limits in 'price_storage_cop'
+         * might have been reduced by the size of an eventual residual/balloon payment.
+         * 
+         * Two external objects, 'IntervallenghtCalc' and 'IntervalllenghtSeparateCalc', computes the number of payments in each
+         * interval. They return this number in an object were the annuity / periodic payment is also computed.
+         * 
+         * We traverse the array 'price_storage_cop' backwords, because the principal is highest at the beginning,
+         * normally overlapping the higher segments of 'price_storage_cop', eventually being paid down to lower
+         * segments.
+         * 
+         * The thresholds are not passed unless we pay installments, so we are searching for the number of periods only
+         * in the segments of the loan where installments are paid. An interest-only period is handled later.
+         * 
+         * All annuities are composed by an interest part and and installment part. For each term, the installment is
+         * subtracted from the principal.
+         * 
+         * When the principal passes an eventual segment threshold, we should change to the next interest rate. We
+         * notice at which time this happens, and store this number of periods in 'interval_data'. We also store the
+         * annuity of the interval in 'interval_data'.
+         */
+
+        // Periodic payments left of the overall loan period
+        double periods_remaining = installment_periods;
+
+        // Lower limit for the current loan segment
+        double lowlimit;
+
+        // Upper limit for the current loan segment
+        double highlimit;
+
+        // Interest rate in the current loan segment
+        double interest_segment = 0;
+
+        // Index of the current segment in 'priceStorage'
+        int interval = 0;
+
+        // Index of the the highest index in 'priceStorage'
+        int highest_segment = 1;
+
+        // Periodic interest amount in an interest-only period
+        double rate_am_int_only = 0;
+
+        // Set to 'true' to interrupt the traversing of 'priceStorage'
+        boolean found = false;
+
+        // Index of the current segment/row in 'priceStorage'
+        int i = price_storage_cop.size() - 1;
+
+        // Intermediate variable (storage of lower segment limit)
+        double segm_lowlim;
+
+        // Intermediate variable (storage of upper segment limit)
+        double segm_highlim;
+
+        // Intermediate variable (storage of upper segment limit)
+        double upper;
+
+        // Intermediate variable (number of relevant segments in 'priceStorage')
+        int step;
+
+        // Intermediate variable
+        double annuity_unrounded = 0;
+
+        // Intermediate variable
+        int nextsegment;
+
+        // An array that stores intermediate values
+        AnnuityLoanPeriod[] interval_data = new AnnuityLoanPeriod[i + 1];
+
+        while (i >= 1 && found == false) {
+
+            AnnuityLoanPeriod curIntervalData = new AnnuityLoanPeriod();
+            interval_data[i] = curIntervalData;
+
+            PriceStorageStep curPriceStorageCop = price_storage_cop.get(i);
+
+            // The lower limit of the segment, 'price_storage_cop', derived from 'priceStorage'
+
+            // Current segment's lower limit
+            segm_lowlim = curPriceStorageCop.getLowerLimit();
+
+            // If segm_highlim does not exist, it is interpreted as unlimited
+            // Current segment's upper limit
+            segm_highlim = curPriceStorageCop.getUpperLimit();
+
+            /*
+             * Now having detected the lower and upper limit of the segment, we check if any part of the principal lays
+             * inside the interval. We use 'principal_ann', less an eventual residual/ballon payment, as our principal:
+             */
+            if (((principal_ann >= segm_lowlim) && (principal_ann <= segm_highlim)) || interval > 0) {
+
+                /*
+                 * 
+                 * Interpretation of the above conditions:
+                 * 
+                 * a) principal_ann>=segm_lowlim:
+                 * 
+                 * If the principal is greater than or equals the lower limit of the current segment, this might be a segment
+                 * that overlaps the whole or part of the loan.
+                 * 
+                 * b) principal_ann<=segm_highlim:
+                 * 
+                 * If additionally the principal is less or equal to the upper segment limit,
+                 * we have found a segment that encompasses the whole or part of the loan.
+                 * 
+                 * c) 'interval' > 0:
+                 * 
+                 * If we already found a valid segment in an earlier loop, then we now that this segment is part of the
+                 * loan (since we transverse the array from above)
+                 * 
+                 * If the interest rate is the same throughout the loan ('rateThresholds' == false), we don't have to
+                 * check any more segments. We just retrive this rate from 'price_storage_cop'.
+                 * 
+                 * This is not the case if 'rateSegments' == true. Then we must use all relevant segments in
+                 * 'price_storage_cop'.
+                 */
+
+                // If there cannot be separate, parallell rates ..
+                if (!rateSegments) {
+
+                    // If the interest rate does not change ..
+                    if (!rateThresholds) {
+
+                        /*
+                         * IF ONLY ONE INTEREST RATE..
+                         * 
+                         * In this case, there is only one interest segment - consisting of all periods (see type i) in
+                         * the introductory comments to this function).
+                         * 
+                         * The interest rate is the same throughout the loan ('rateThresholds' == false), we don't have
+                         * to check any more segments. We just retrive this rate from 'price_storage_cop' in the current
+                         * segment and stop the looping
+                         */
+
+                        // Number of segments in the loan
+                        step = 1;
+
+                        // Low limit of the one segment
+                        lowlimit = 0;
+
+                        // High limit of the one segment
+                        highlimit = principal_ann;
+
+                        // End looping
+                        found = true;
+                        
+                        /* When there are more than one segment, the variable 'periods_remaining' will be 
+                        updated for each call of the function 'calculate()' of IntervallengthCalc. But not here, where there
+                        is only one interest rate. 
+
+                        When the first payment, rather than the number of loan terms, are given. We compute
+                        the number of loan terms here and store the value in the variable 'periods_remaining' by means 
+                        of the external function 'termnumAnnu()':*/
+
+                    } else {
+
+                        /*
+                         * IF ONLY ONE INTEREST RATE AT THE TIME..
+                         * 
+                         * The interest rate for the whole loan might change when certain thresholds are overstepped
+                         * (see type ii) in the introductory comments to this function).
+                         */
+
+                        // All relevant segments will be used during the computation
+                        step = i;
+
+                        /*
+                         * We store the number of relevant segments. There are always at least one. Since we are
+                         * counting backwards, from the upper segment, 'highest_segment' - that was initially set to '1'
+                         * - is set only once:
+                         */
+
+                        if (highest_segment == 1) {
+                            highest_segment = i;
+                        }
+
+                        // For the current segment
+                        lowlimit = segm_lowlim;
+
+                        if (principal_ann <= segm_highlim) {
+                            highlimit = principal_ann;
+                        } else if ((step + 1) < interval_data.length
+                                && interval_data[step + 1].getLowerSegmentLimit() > 0) {
+                            highlimit = (interval_data[step + 1].getLowerSegmentLimit());
+                        } else {
+                            highlimit = segm_highlim;
+                        }
+
+                    }
+
+                    /*
+                     * ..IN BOTH CASES:
+                     * 
+                     * In getAnnualInterest() lies the interest rate of the current segment:
+                     */
+
+                    interest_segment = price_storage_cop.get(i).getAnnualInterest();
+
+                    /*
+                     * Interest amount from an eventual balloon:
+                     * 
+                     * In order for the object IntervallengthCalc to be able to round the periodic payments
+                     * correctly, we must know the interest amount for the balloon. When 'rateSegments' == false, as in
+                     * this part of the program, the interest amount of the balloon is computed with the same interest
+                     * rate at the rest of the loan:
+                     */
+
+                    interest_amount_res = balloon * interest_segment / rate_divisor;
+
+                    /*
+                     * The the object IntervallengthCalc computes how many periods it takes to pay down the current
+                     * segment.
+                     * 
+                     * If the value for the number of periods - 'numberOfPeriods' - is not given, but 'firstPayment' is
+                     * given instead, we must first compute the number of periods - here expected in the parameter
+                     * 'periods_remaining'. For this purpose, we use the function 'termnumAnnu()':
+                     */
+
+
+                    // If the user has entered the annuity rather than the number of payments
+                    if (firstPayment != null && firstPayment != 0) {
+
+                            /* Only the net part of the payment - when fees are deducted - are used by the bank
+                            to service the loan. We thus have to deduct the fixed fee and the eventual percentage fee.
+                            We also deduct the interest of an eventual balloon: */
+
+                            double netpayment = (firstPayment * 12 / capitalizationFreq) - price_storage_cop.get(i).getPeriodicalFee() - highlimit * feePeriodPerc / 100 - interest_amount_res;
+
+                            /* Here, 'periods_remaining' is not given, so we must compute it: */
+
+                            periods_remaining = termnumAnnu(highlimit, netpayment, price_storage_cop.get(i).getAnnualInterest()/rate_divisor, annuityDue);
+                    }
+
+
+                    /* The function 'intervallength' computes how many periods it takes to pay down the current segment. 
+                     * It also computes other useful numbers and return them as a row in the array/matrix
+                     * 'interval_data' (see the definition of the elements in 'interval_data' further above):
+                     */
+
+                    IntervallengthCalc intervalCalc = new IntervallengthCalc();
+
+                    intervalCalc.setUpperlimit(highlimit);
+                    intervalCalc.setRate(interest_segment);
+                    intervalCalc.setLowerlimit(lowlimit);
+                    intervalCalc.setPeriods(periods_remaining);
+                    intervalCalc.setRoundDirection(roundDirection);
+                    intervalCalc.setRoundToInteger(roundToInteger);
+                    intervalCalc.setRateDivisor(rate_divisor);
+                    intervalCalc.setInterestAmountRes(interest_amount_res);
+                    intervalCalc.setAdvance(annuityDue);
+
+                    interval_data[step] = intervalCalc.calculate();
+
+                } else {
+
+                    /*
+                     * ALL SEGMENTS WITH SEPARATE, PARALLELL INTEREST RATES..
+                     * 
+                     * 
+                     * 'rateSegments' == 'true' means the interest rate for the whole loan might change when certain
+                     * thresholds are overstepped (see type iii) in the introductory comments to this function).
+                     */
+
+                    step = i;
+                    PriceStorageStep curPriceStorageCopStep = price_storage_cop.get(step);
+                    /*
+                     * In order for the object IntervallengthSeparateCalc to be able to compute the whole payment of
+                     * the interval - the sum of the payments in the separate, parallell segments - it must have
+                     * information of all segments.
+                     * 
+                     * This information resides in the function parameter 'priceStorage' and the derived version we use
+                     * here - 'price_storage_cop'. But a subtle problem arises: Since the number of periods in each
+                     * intervall must be an integer, we will hardly ever find a number of periods that make the
+                     * principal being paid down to precisely the lower segment limit. Normally, our installments will
+                     * have paid the principal down below the limit by some cents. This remaining principal must be set
+                     * as the new upper limit of the next segment.
+                     * 
+                     * We must check whether such a limit was set in the former segment. Since we are looping backwords,
+                     * the former segment is the segment 'step+1'.
+                     * 
+                     * 
+                     * We store the number of relevants segments. Since 'highest_segment' is initiated to '1', it will
+                     * be set only once:
+                     */
+
+                    if (highest_segment == 1) {
+                        highest_segment = i;
+                    }
+
+                    /*
+                     * If the upper limit is not set, or the principal is smaller than the maximum limit, the highest
+                     * limit equals the principal:
+                     */
+
+                    if (principal_ann <= segm_highlim) {
+                        curPriceStorageCopStep.setUpperLimit(principal_ann);
+                    }
+
+                    /*
+                     * In getLowerSegmentLimit() for the former segment lies the real, functional lower limit of that
+                     * segment. We check whether it exists. If it does, it is also the upper limit for the current
+                     * segment:
+                     */
+
+                    nextsegment = step + 1;
+
+                    if (nextsegment < interval_data.length) {
+                        AnnuityLoanPeriod nextIntervalDataSegment = interval_data[nextsegment];
+                        if (nextIntervalDataSegment.getLowerSegmentLimit() > 0
+                                && nextIntervalDataSegment.getLowerSegmentLimit() != Double.MAX_VALUE) {
+                            curPriceStorageCopStep.setUpperLimit(nextIntervalDataSegment.getLowerSegmentLimit());
+                        }
+                    }
+
+                    /*
+                     * Now, we can invoke the function IntervallengthSeparateCalc() that returns a fully computed segment
+                     */
+                    IntervallengthSeparateCalc calc = new IntervallengthSeparateCalc();
+                    calc.setSegmentarray(price_storage_cop);
+                    calc.setStep(step);
+                    calc.setPeriodsRemaining(periods_remaining);
+                    calc.setRoundDirection(roundDirection);
+                    calc.setRoundToInteger(roundToInteger);
+                    calc.setRateDivisor(rate_divisor);
+                    calc.setInterestAmountRes(interest_amount_res);
+
+                    interval_data[step] = calc.calculate();
+
+                    if (installment_grace_periods > 0)
+
+                    {
+
+                        /*
+                         * No installment is being paid in an interest-only period. We just have to sum up the interest
+                         * amounts of all parallell segments overlapping the whole loan.
+                         */
+                        if (curPriceStorageCopStep.getUpperLimit() > principal_ann) {
+                            upper = principal_ann;
+                        } else {
+                            upper = curPriceStorageCopStep.getUpperLimit();
+                        }
+
+                        /*
+                         * 'rate_am_int_only' - the periodic interest amount during an interest only-period will be used
+                         * in the section for 'installment_grace_periods' below:
+                         */
+                        rate_am_int_only += (upper - curPriceStorageCopStep.getLowerLimit())
+                                * curPriceStorageCopStep.getAnnualInterest() / rate_divisor;
+
+                    }
+
+                }
+
+                AnnuityLoanPeriod curIntervalDataStep = interval_data[step];
+
+                if (balloon > 0)
+
+                {
+
+                    /*
+                     * If this loan has a residual/ballon, the periodic payment we have computed is too low. It does not
+                     * contain the interest amount for the part of the loan where only interest is paid.
+                     * 
+                     * We have to add this amount here.
+                     * 
+                     * Since it in somE cases impacts the rounding, we add the remainder.
+                     * 
+                     * But if the remainer is to be ignored - 'ignoreRemainder == true', we simply round the remainer as
+                     * if is.
+                     */
+
+                    // If the remainder after paying off the loan is not to be ignored
+                    if (ignoreRemainder) {
+
+                        annuity_unrounded = curIntervalDataStep.getPayment() + interest_amount_res
+                                + curIntervalDataStep.getRemainder();
+
+                        /*
+                         * As we now have added the interest amount for the balloon, we round again and subsitute the
+                         * old remainder with the new:
+                         */
+
+                        curIntervalDataStep.setPayment(Utils.roundoff(annuity_unrounded, roundDirection, roundToInteger));
+
+                        /*
+                         * The remainder when rounding the periodical payment was computed either in the function
+                         * IntervallengthCalc.calculate() or the function IntervallengthSeparateCalc.calculate() and is placed by
+                         * curIntervalDataStep.setRemainder()
+                         * 
+                         * But when we computed a new periodical periodical payment, we rounded again and thus get a new
+                         * remainder.
+                         */
+
+                        curIntervalDataStep.setRemainder(annuity_unrounded - curIntervalDataStep.getPayment());
+
+                    } else {
+                        curIntervalDataStep.setPayment(Utils.roundoff(curIntervalDataStep.getPayment() + interest_amount_res,
+                                roundDirection, roundToInteger));
+                    }
+
+                }
+
+                /*
+                 * In order to have all data relevant for the interest rate computation in one place, we also add the
+                 * periodical fee to 'interval_data':
+                 */
+
+                curIntervalDataStep.setPeriodicFee(price_storage_cop.get(step).getPeriodicalFee());
+
+                /*
+                 * Some loans might have a periodical fee that is computed as a percentage of the credit limit instead of
+                 * or in addition to the fixed fee. We make the presumption that the loan is drawn fully to the credit
+                 * limit at the beginning of the loan period, so that the fee is always computed from the initial
+                 * principal (the initial loan plus fees):
+                 */
+
+                if (feePeriodPerc > 0) {
+                    curIntervalDataStep.setPeriodicFee(curIntervalDataStep.getPeriodicFee() + principal * feePeriodPerc
+                            / 100);
+                }
+
+                periods_remaining -= curIntervalDataStep.getNumberOfTerms();
+
+                interval++;
+
+            }
+
+            // We loop the array 'price_storage_cop' backwards
+            i--;
+        }
+
+        // STOP if no interval is detected, usually because the loan amount is too big or too small:
+
+        if (interval == 0) {
+            throw new FreeLoanException(FreeLoanExceptionType.NO_SEGMENT_FOUND);
+        }
+
+        /*
+         * 
+         * 4) AN EVENTUAL INTEREST-ONLY PERIOD: ASSYMETRIC MODES:
+         * 
+         * When there is an initial interest-only period, the symmetry brakes between period mode and payment mode. When
+         * there is 'firstpayment' provided by the user (period mode), this payment is interpreted as having to cover
+         * the highest payment during the whole payment period. When there is an intial interest free period, this will
+         * NOT be the first payment, but one of the payments after he starts paying off the loan. In payment mode,
+         * however, we return the first payment.
+         * 
+         */
+
+        double unrounded;
+
+        if (installment_grace_periods > 0) {
+
+            /*
+             * In the array 'interval_data', we now have stored all the information we need in order to
+             * compute the effective interest rate, beginning in row one (x = 1). Corresponding information about an
+             * interest-only period will be put in a new last row of the array.
+             */
+
+            // We get a new step in the staircase, and increment the counter.
+            highest_segment++;
+
+            
+            interval_data = Utils.copyArray(interval_data, highest_segment + 1);
+
+            /*
+             * The periodic interest amount paid during the interest-only periods, 'rate_am_int_only', was only computed
+             * for loans with separate, parallel interest rates:
+             */
+
+            if (rateSegments) {
+                unrounded = rate_am_int_only + interest_amount_res;
+            } else {
+                // Otherwise, the periodic interest amount is simply the interest rate in the highest relevant segment, 'interest_segment', multiplied with the principal:
+                unrounded = principal * interest_segment / rate_divisor;
+            }
+
+            // We create the new matrix row and fill it with data:
+
+            AnnuityLoanPeriod intervalDataHighestSegment = new AnnuityLoanPeriod();
+
+            interval_data[highest_segment] = intervalDataHighestSegment;
+
+            intervalDataHighestSegment.setPayment(Utils.roundoff(unrounded, roundDirection, roundToInteger));
+
+            // The number of terms/periods we pay this periodic payment:
+
+            intervalDataHighestSegment.setNumberOfTerms(installment_grace_periods);
+
+            // The size of the principal at the end of the interval. Here, it's the same as at the beginning, since no
+            // installments are paid:
+
+            intervalDataHighestSegment.setLowerSegmentLimit(principal_ann);
+
+            // The interest-only period can only run from the beginning of the loan period. Then, the principal is yet
+            // not paid down:
+
+            intervalDataHighestSegment.setUpperSegmentLimit(principal_ann);
+
+            // Remainder when rounding the periodic payment:
+
+            intervalDataHighestSegment.setRemainder(unrounded - intervalDataHighestSegment.getPayment());
+
+            // The periodic fee is set to the same amount as for the first ordinary annuity period:
+
+            intervalDataHighestSegment.setPeriodicFee(priceStorage[highest_segment - 1].getPeriodicalFee());
+
+            // There could also be a periodic fee computed as a percentage of the principal:
+            if (feePercentage > 0) {
+                intervalDataHighestSegment.setPeriodicFee(intervalDataHighestSegment.getPeriodicFee() + principal
+                        * feePeriodPerc / 100);
+            }
+
+        }
+
+        /*
+         * 
+         * 5) GLOBAL REMAINDER
+         * 
+         * 
+         * COMPUTING THE GLOBAL REMAINDER
+         * 
+         * When computing an annuity, we typically get numbers as 234.938267484958. This is not payable in a bank.
+         * 234.94 is, but these slightly too big annuity will make us overshoot the target payment at the end of the
+         * loan period (we pay a little too much).
+         * 
+         * This amount is the "global residue". It is either ignored or compensated. It it is compensated, this is
+         * normally done with the last payment in the loan period. Freeloan also supports it being compensated for in
+         * the first payment.
+         */
+
+        int disko;
+        double residue;
+        double gross_last;
+
+        // 'disko' is a divisor used when rounding
+        if (roundToInteger) {
+            disko = 1;
+        } else {
+            disko = 100;
+        }
+
+        /*
+         * 'interval_data[1].getLowerSegmentLimit()' contains the remaining principal at the end of each loan interval. When the last
+         * segment is paid, the remaining principal will be the global residue for the whole loan. The last segment to
+         * be paid is segment 1. (Of course, normally there is only one segment).
+         * 
+         * We will now compute the non-rounded, last payment in the loan, included remainder and balloon. We call it
+         * 'gross_last'.
+         * 
+         * 'gross_last' is the sum of:
+         * 
+         * 
+         * 'interval_data[1].getPayment()' -> the rounded annuity
+         * 
+         * 'interval_data[1].getRemainder()' -> the remainder after rounding the annuity, stored in
+         * 
+         * 'interval_data[1].getLowerSegmentLimit()' -> the non-raounded remainder of the principal after all periodic paymenst are made
+         * 
+         * 'balloon' -> an eventuelt residual/ballon payment (stored in the variable 'balloon')
+         * 
+         * 'interval_data[i].getPeriodicFee()' -> the periodic fee
+         * 
+         * 
+         * When there is more than one segment, we pay the loan "backwords" through the array 'interval_data'. The last
+         * interval's values are always in row 1. Hence, we use 'interval_data[1]...' to compute the precise global
+         * residue:
+         */
+
+        AnnuityLoanPeriod intervalDataFirst = interval_data[1];
+
+        gross_last = intervalDataFirst.getPayment() + intervalDataFirst.getRemainder()
+                + intervalDataFirst.getLowerSegmentLimit() + balloon + intervalDataFirst.getPeriodicFee();
+
+        /*
+         * The residue to be paid/compensated for with the last payment is the last payment - 'gross_last' - minus the
+         * rounded, ordinary payment:
+         */
+
+        if (!ignoreRemainder) {
+            residue = Math.round(gross_last * disko) / (double) disko
+                    - (intervalDataFirst.getPayment() + intervalDataFirst.getPeriodicFee());
+        } else {
+            residue = Math.round(balloon * disko) / (double) disko;
+        }
+
+        /*
+         * 
+         * 6) EFFECTIVE INTEREST RATE:
+         * 
+         * As we now have an array/matrix containing all amounts due and the number of periods they should be paid, we
+         * can compute the effective interest rate.
+         * 
+         * We apply the annuity formula:
+         * 
+         * 
+         * 1) ANNUITY-IMMEDIATE
+         * 
+         * (When 'advance == true')
+         * 
+         * 
+         * 
+         * 
+         * FORMULA FOR ANNUITY-IMMEDIATE:
+         * annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));
+         * where
+         * k = 1/(1+rate);
+         * 
+         * 
+         * We want to compute 'rate'.
+         * 
+         * We use other variable names:
+         * 
+         * payment = principal * (1 - k) / (k - Math.pow(k,calculation_periods+1));
+         * 
+         * We rearrange it with respect to 'principal':
+         * 
+         * payment/principal = (1 - k) / (k - Math.pow(k,calculation_periods+1));
+         * 
+         * => principal * (1-k) = payment * (k - Math.pow(k,calculation_periods+1));
+         * 
+         * => principal = payment * (k - Math.pow(k,calculation_periods+1))/ (1-k);
+         * 
+         * We want the right hand expression to be a present value equal to 'principal'. For computation purposes, we
+         * thus call the principal 'PV':
+         * 
+         * PV = payment * (k - Math.pow(k,calculation_periods+1))/ (1-k);
+         * 
+         * We formerly computed the values for the array 'interval_data'.
+         * 
+         * For each interval/step we shall now compute the present value of the stream of payments from the beginning to
+         * the end of the interval.
+         * 
+         * We do that by subtracting the present value of one stream of payments from another:
+         * 
+         * 
+         * 1) A strem of payments with the current periodical amount running from the first payment in the loan to the
+         * last payment in the interval:
+         * 
+         * payment * (k - Math.pow(k,interval_end+1))/ (1-k)
+         * 
+         * 2) Minus a strem of payments with the same amount running from the first payment in the loan to the first
+         * payment in the interval:
+         * 
+         * payment * (k - Math.pow(k,interval_start+1))/ (1-k)
+         * 
+         * 
+         * The present value of the payment stream from the beginning to the end of the interval transpires by
+         * subtracting the second expression from the first:
+         * 
+         * PV = payment * (k - Math.pow(k,interval_end+1))/ (1-k) - payment * (k - Math.pow(k,interval_start+1))/ (1-k)
+         * 
+         * We simplify:
+         * 
+         * => PV = (payment * k - payment * Math.pow(k,interval_end+1) - payment * k + payment *
+         * Math.pow(k,interval_start+1))/ 1-k
+         * 
+         * The terms 'payment * k' falls against each other, and we get:
+         * 
+         * => (payment * Math.pow(k,interval_start+1) - payment * Math.pow(k,interval_end+1)) / 1-k
+         * 
+         * We can isolate 'payment / (1 - k)':
+         * 
+         * PV = (payment/(1-k)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1));
+         * 
+         * 'k' (the discount factor) is the unknown entity in our expression. The other variables are known.
+         * 
+         * 
+         * 
+         * 
+         * 2) ANNUITY-DUE
+         * 
+         * (When 'advance == false')
+         * 
+         * FORMULA FOR ANNUITY-DUE:
+         * annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));
+         * where
+         * k = 1/(1+rate);
+         * 
+         * 
+         * We reason the same way as for annuity-immediate, but use the annuity-due formula
+         * 
+         * PV = payment * (1 - Math.pow(k,termnumber))/(1 - k);
+         * 
+         * So that our present value becomes:
+         * 
+         * PV = payment * (1 - Math.pow(k,interval_end))/ (1-k) - payment * (1 - Math.pow(k,interval_start))/ (1-k)
+         * 
+         * And the algebra:
+         * 
+         * PV = payment/(1-k) - payment * Math.pow(k,interval_end)/(1-k) - payment/(1-k) + payment *
+         * Math.pow(k,interval_start)/(1-k)
+         * 
+         * The first and third term falls, leaving:
+         * 
+         * PV = payment * Math.pow(k,interval_start)/(1-k) - payment * Math.pow(k,interval_end)/(1-k)
+         * 
+         * Common factor payment/(1-k) put ouside:
+         * 
+         * PV = payment/(1-k) * (Math.pow(k,interval_start) - Math.pow(k,interval_end))
+         * 
+         * 
+         * 
+         * 
+         * **************************************************************************************************************
+         * *********************************
+         * 
+         * 
+         * 
+         * NEWTON'S METHOD - DIFFERENTIATION
+         * 
+         * No formula gives us the effective interest rate directly. We find it by trying a likely value for 'k',
+         * adjusting it until we get the interest rate with the accuracy we want. Newton's method shortenes this try and
+         * fail process. It postulates that our 'k' will be found close to where the tangent to the curve in the present
+         * PV/k point crosses the k-axes:
+         * 
+         * http://en.wikipedia.org/wiki/Newton%27s_method
+         * 
+         * The graph is in the PV/k space. A value of 'k' will give a value of 'PV': PV = f(k).
+         * 
+         * The steepness of the tangent line is given by the differentiated function with respect to 'k':
+         * 
+         * PV = (payment/(1-k)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1));
+         * 
+         * For easier differentiation, we handle the two expressions on each side of the multiplication sign separately.
+         * We call them 'A' and 'B';
+         * 
+         * PV = A*B; where
+         * 
+         * A = payment/(1-k);
+         * 
+         * B = Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1);
+         * 
+         * One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+         * 
+         * PV' = A'*B + A*B'
+         * 
+         * We fist differietiate 'A' separately according to the Quotient rule:
+         * 
+         * A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+         * 
+         * The differntiated of the constant 'payment' is 0. The differentiated of the variable 'k' er 1:
+         * 
+         * => A' = - payment* (1-k)' / (1-k)^2
+         * 
+         * => A' = payment / Math.pow(1-k,2)
+         * 
+         * Then we differentiate 'B' according to the Power rule (y = x^n => y' = n*x^(n-1)):
+         * 
+         * B = Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1);
+         * 
+         * B' = (interval_start+1)*Math.pow(k,interval_start) - (interval_end+1) * Math.pow(k,interval_end)
+         * 
+         * We then assemble the whole differentiated PV according to the Product rule:
+         * 
+         * PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start+1) - Math.pow(k,interval_end+1)) +
+         * (payment/(1-k))*((interval_start+1)*Math.pow(k,interval_start) - (interval_end+1) *
+         * Math.pow(k,interval_end));
+         * 
+         * As there is no notation for the differentiated in the programming language, we rename the differentiated
+         * PV' 'PV_dif':
+         * 
+         * PV_dif = PV'
+         * 
+         * 
+         * 
+         * ANNUITY-DUE
+         * 
+         * 
+         * (When 'advance == false')
+         * 
+         * We reason the same way:
+         * 
+         * PV = payment/(1-k) * (Math.pow(k,interval_start) - Math.pow(k,intervallslutt))
+         * 
+         * A = payment/(1-k);
+         * 
+         * B = Math.pow(k,interval_start) - Math.pow(k,interval_end);
+         * 
+         * One can find the differentiation rules on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+         * 
+         * PV' = A'*B + A*B'
+         * 
+         * We fist differietiate 'A' separately according to the Quotient rule:
+         * 
+         * A' = (payment' * (1-k) - payment* (1-k)') / (1-k)^2
+         * 
+         * Den dervierte av konstanten 'payment' er 0. Den deriverte av variablen 'k' er 1:
+         * 
+         * => A' = - payment* (1-k)' / (1-k)^2
+         * 
+         * => A' = - payment / Math.pow(1-k,2)
+         * 
+         * Then we differentiate 'B' according to the Power rule:
+         * 
+         * B = Math.pow(k,interval_start) - Math.pow(k,interval_end);
+         * 
+         * B' = interval_start * Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1)
+         * 
+         * We then assemble the whole differentiated PV' according to the Product rule:
+         * 
+         * PV' = (payment / Math.pow(1-k,2)) * (Math.pow(k,interval_start) - Math.pow(k,interval_end)) +
+         * (payment/(1-k))*(interval_start*Math.pow(k,interval_start-1) - interval_end * Math.pow(k,interval_end-1));
+         * 
+         * As there is no notation for the differentiated in the programming language, we rename the differentiated
+         * PV' 'PV_dif':
+         * 
+         * PV_dif = PV'
+         * 
+         * **************************************************************************************************************
+         * *********************************
+         * 
+         * 
+         * 
+         * ITERATIONS:
+         * 
+         * 
+         * We have two, pretty much identical, alternative while-loops for computing annuity-due and annuity-immediate,
+         * respectively. Instead, we could have performed frequent if-test inside the loops, but this would probably
+         * have impaired performance more.
+         * 
+         * When the function is called, at least one nominal interest rate will be among the parameters - the rate in
+         * the lowest segment. We skal use this rate as our first guess as to what the effective interest rate might be.
+         * 
+         * THe function does not use interest rate directly, only via the discount factor 'k'
+         */
+
+        // First suggestion: The array 'priceStorage' is a parameter to the function
+        double k = 1 / (1 + priceStorage[1].getAnnualInterest() / rate_divisor);
+
+        // Counts the number of iterations
+        int rounds = 0;
+
+        // The present value
+        double PV = 0;
+
+        // the differiented of the present value
+        double PV_dif = 0;
+
+        // The peridoical payment in the annuity loan, included fees
+        double payment;
+
+        // 'y' is the function value that we want to make close to '0'. Givaen av value so we can enter the
+        // 'while'-loop.
+        double y = 1;
+
+        // The number of payments from the start of the loan period until the interval starts
+        double interval_start;
+
+        // The number of payments from the start of the loan period until the interval ends
+        double interval_end;
+
+        // Annuities paid at the beginning of each period - annuity-due
+        if (annuityDue)
+
+        {
+
+            // Here, we set the accuracy we want.
+            while (Math.abs(y) > 0.000001 && rounds < 100) {
+
+                // The present value of the payments
+                PV = 0;
+
+                // The differentiated of the present value
+                PV_dif = 0;
+
+                interval_start = 0;
+                interval_end = 0;
+
+                /*
+                 * Now, we compute the present value 'PV' and the corresponding differetiated 'PV_dif' for each interval
+                 * of the loan, given the current guess for the discount factor 'k.
+                 * 
+                 * In the case where the loan runse with different interest rates in succeeding intervals, we sum the
+                 * present value for each. We also sum their differentiated values.
+                 */
+
+                for (i = highest_segment; i > 0; i--) {
+
+                    /*
+                     * In order to compute the effective interest rate, we must compare all we pay with all we receive.
+                     * Hence, we must include eventual fees in the periodic payments. The fee is in
+                     * 'interval_data[i].getPeriodicFee()':
+                     */
+
+                    AnnuityLoanPeriod curIntervalData = interval_data[i];
+
+                    payment = curIntervalData.getPayment() + curIntervalData.getPeriodicFee();
+
+                    // The end of the former interval is the start of this
+                    interval_start = interval_end;
+
+                    // The upper limit of this interval
+                    interval_end += curIntervalData.getNumberOfTerms();
+
+                    PV += payment / (1 - k) * (Math.pow(k, interval_start) - Math.pow(k, interval_end));
+
+                    /*
+                     * The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply
+                     * sum the differentiated in each interval
+                     */
+
+                    PV_dif += (payment / Math.pow(1 - k, 2))
+                            * (Math.pow(k, interval_start) - Math.pow(k, interval_end))
+                            + (payment / (1 - k))
+                            * (interval_start * Math.pow(k, interval_start - 1) - interval_end
+                                    * Math.pow(k, interval_end - 1));
+
+                }
+
+                /*
+                 * One payment - the residue - is so far missing. We add the present value of the residue to the present
+                 * value of the other payments. If it is paid in the last period, it must be discounted to find the
+                 * present value. The residue is already rounded. In annuity-due (annuities in advance) the last payment
+                 * is in period 'calculation_periods-1':
+                 */
+
+                PV += residue * Math.pow(k, calculation_periods - 1);
+
+                /*
+                 * We also want to add the differentiated of the residue to the differiented of the other payments.
+                 * 
+                 * The residue is a function of 'k', and we use the Power rule
+                 * (http://en.wikipedia.org/wiki/Power_rule):
+                 * 
+                 * y = x^n => y' = n*x^(n-1):
+                 * 
+                 * PV_res = residue*Math.pow(k,calculation_periods-1) => PV_res_dif =
+                 * residue*(calculation_periods-1)*Math.pow(k, calculation_periods-2);
+                 */
+
+                PV_dif += residue * (calculation_periods - 1) * Math.pow(k, calculation_periods - 2);
+
+                // Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+                y = PV - received;
+
+                // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+                double delta = -y / PV_dif;
+
+                // We increase/decrease 'k' (the annuity function crashes at k=1)
+                if (k + delta != 1) {
+                    k += delta;
+                }
+
+                rounds++;
+
+            }
+
+         // Annuities paid at the end of each period - annuity-immediate - "normal" annuities.
+        } else {
+            // Here, we set the accuracy we are looking at.
+            while (Math.abs(y) > 0.000001 && rounds < 100) {
+                // The present value of the payments
+                PV = 0;
+
+                // The differentiated of the present value
+                PV_dif = 0;
+
+                interval_start = 0;
+                interval_end = 0;
+
+                /*
+                 * Now, we compute the present value 'PV' and the corresponding differetiated 'PV_dif' for each interval
+                 * of the loan, given the current guess for the discount factor 'k.
+                 * 
+                 * In the case where the loan runse with different interest rates in succeeding intervals, we sum the
+                 * present value for each. We also sum their differentiated values.
+                 */
+
+                for (i = highest_segment; i > 0; i--) {
+
+                    AnnuityLoanPeriod curIntervalData = interval_data[i];
+
+                    /*
+                     * In order to compute the effective interes rate, we must compare all we pay with all we receive.
+                     * Hence, we must include eventual fees in the periodic payments. The fee is in
+                     * 'interval_data[i].getPeriodicFee()':
+                     */
+
+                    payment = curIntervalData.getPayment() + curIntervalData.getPeriodicFee();
+
+                    // The end of the former interval is the start og this
+                    interval_start = interval_end;
+
+                    // The upper limit of this interval
+                    interval_end += curIntervalData.getNumberOfTerms();
+
+                    PV += payment / (1 - k) * (Math.pow(k, interval_start + 1) - Math.pow(k, interval_end + 1));
+
+                    /*
+                     * The sum of the differentiated of two functions is the sum of the difrentiated. Hence, we simply
+                     * sum the differentiated in each interval
+                     */
+
+                    PV_dif += (payment / Math.pow(1 - k, 2))
+                            * (Math.pow(k, interval_start + 1) - Math.pow(k, interval_end + 1))
+                            + (payment / (1 - k))
+                            * ((interval_start + 1) * Math.pow(k, interval_start) - (interval_end + 1)
+                                    * Math.pow(k, interval_end));
+
+                }
+
+                /*
+                 * One payment - the residue - is so far missing. We add the present value of the residue to the present
+                 * value of the other paymen. If it is paid in the last period, it must be discounted to find the
+                 * present value.
+                 * 
+                 * The residue was rounded when we computed it earlier:
+                 */
+                PV += residue * Math.pow(k, calculation_periods);
+
+                /*
+                 * We also want to add the differentiated of the residue to the differiented of the other payments.
+                 * 
+                 * The residue is a function of 'k', and we use the Power rule
+                 * (http://en.wikipedia.org/wiki/Power_rule):
+                 * 
+                 * y = x^n => y' = n*x^(n-1):
+                 * 
+                 * PV_res = residue*Math.pow(k,calculation_periods) => PV_res_dif =
+                 * residue*calculation_periods*Math.pow(k, calculation_periods-1);
+                 */
+                PV_dif += residue * calculation_periods * Math.pow(k, calculation_periods - 1);
+
+                // Searching for a 'k' making y = 0. Since 'received' is a constant y' = PV'
+                y = PV - received;
+
+                // The increase in 'k' necessary at the tangent's intersection with the PV-axis
+                double delta = -y / PV_dif;
+
+                // We increase/decrease 'k' (the annuity function crashes at k=1)
+                if (k + delta != 1) {
+                    k += delta;
+                }
+
+                rounds++;
+
+            }
+
+        }
+
+        /*
+         * 'k' is a discouting factor that was defined as k = 1/(1+e) where 'e' is the periodic, effective interest rate
+         * as decimal fraction. (1+e) is the growth rate for each period. Hence, the growth rate for a year is (1+e)^12
+         * (if there are 12 capitalizations per year). The effective, annual interest rate in decimal fraction, thus, is
+         * ((1+e)^12)-1. In percentage: er = (((1+e)^12)-1)*100. Since k = 1/(1+e) => (1+e) = 1/k, we substiute and get
+         * er = ((1/k)^12-1)*100:
+         */
+
+        // 'er' is the effective annual interest rate - the principal result of the function
+        double er = (Math.pow(1 / k, capitalizationFreq) - 1) * 100;
+        
+        
+        // This should not happen, but it does in the JS version if input data is wierd. So we
+        // throw an exception to avoid problems later on.
+        if(Double.isNaN(er)) {
+            throw new FreeLoanException(FreeLoanExceptionType.EFFECTIVE_RATE_WAS_NAN);
+        }
+        
+
+        
+        /*
+         * 
+         * 7) RESULT REPORTING
+         * 
+         * 
+         * The function primarily computes the effective interest rate. But as a bi-product, several other avalues were
+         * computed along the way. These could come handy during the result presentation - for instance the length of
+         * the intervals, the fees, the balloon.
+         */
+        AnnuityLoanResult res = new AnnuityLoanResult();
+        res.setEffectiveInterestRate(er);
+        res.setResidue(residue);
+        res.setRounds(rounds);
+        res.setPeriods(interval_data);
+        
+        /* Normally, we pay more the last periods when there is an inital interest only-period. But when the borrower has specified that he is able
+        to pay only a maximum sum - 'firstpayment' - per month, we have to prolong the payment period instead: */
+        
+        
+        // contains the number of payback periods.
+        double paybackPeriodCount = 0; 
+        
+        if (rateThresholds && firstPayment != null && firstPayment > 0) {
+            
+            // Where there are several intervals, we sum them up
+            for (i=1;i<interval_data.length;i++) {
+                paybackPeriodCount += interval_data[i].getNumberOfTerms();
+            }
+            
+            paybackPeriodCount += installment_grace_periods;
+            
+        // The payback period in number of payments
+        } else {
+            paybackPeriodCount = interval_data[1].getNumberOfTerms() + installment_grace_periods;  
+        }
+
+        res.setPaybackPeriodCount(paybackPeriodCount);
+        
+        
+        return res;
+
+    }
+
+    
+    
+    /**
+     * <p>
+     * <b>WHAT IT DOES:</b>
+     * </p>
+     * 
+     * <p>
+     * The function returns the number of periods it will take to pay down 'loan' to zero given the periodic payment
+     * 'annuity' and the periodic interest rate 'rate'. Either when annuities are paid in advance ('due' = true) or by
+     * ordinary annuities, paid in arrears.
+     * </p>
+     * 
+     * 
+     * <p>
+     * <b>DERIVATION:</b>
+     * </p>
+     * 
+     * <p>
+     * <b>1) Annuity immediate:</b>
+     * </p>
+     * 
+     * <p>
+     * For ordinary annuities (annuities in arrears / annuity immediate) the formula is
+     * </p>
+     * 
+     ********************************************************************************* 
+     * <p>
+     * <b>FORMULA FOR ANNUITY-IMMEDIATE:</b>
+     * </p>
+     * 
+     * annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));<br>
+     * where<br>
+     * k = 1/(1+rate);<br>
+     ********************************************************************************* 
+     * 
+     * <p>
+     * 'rate' being the periodical interest rate in decimal form.
+     * </p>
+     * 
+     * <p>
+     * (k - Math.pow(k,termnumber+1)) * annuity = loan * (1 - k)
+     * </p>
+     * 
+     * <p>
+     * k - Math.pow(k,termnumber+1) = loan * (1 - k) / annuity
+     * </p>
+     * 
+     * <p>
+     * Math.pow(k,termnumber+1) = k - (loan * (1 - k) / annuity)
+     * </p>
+     * 
+     * <p>
+     * C = k - (loan * (1 - k) / annuity)
+     * </p>
+     * 
+     * <p>
+     * Math.pow(k,termnumber+1) = C
+     * </p>
+     * 
+     * <p>
+     * The logarithm rule for exponential functions: log a^x = x * log a
+     * </p>
+     * 
+     * <p>
+     * log k *(termnumber+1) = log C
+     * </p>
+     * 
+     * <p>
+     * termnumber+1 = log C / log k
+     * </p>
+     * 
+     * <p>
+     * termnumber = log C / log k - 1
+     * </p>
+     * 
+     * 
+     * <p>
+     * <b>2) Annuity due:</b>
+     * </p>
+     * 
+     * <p>
+     * For annuities in advance / annuity due, the formula is:
+     * </p>
+     * 
+     ********************************************************************************* 
+     * <p>
+     * <b>FORMULA FOR ANNUITY-DUE:</b>
+     * </p>
+     * 
+     * annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));<br>
+     * where<br>
+     * k = 1/(1+rate);<br>
+     ********************************************************************************* 
+     * 
+     * 
+     * <p>
+     * annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));
+     * </p>
+     * 
+     * <p>
+     * where k = 1 / (1 + r), 'r' being the periodical interest rate in decimal form.
+     * </p>
+     * 
+     * <p>
+     * (1 - Math.pow(k,termnumber)) * annuity = loan * (1 - k)
+     * </p>
+     * 
+     * <p>
+     * 1 - Math.pow(k,termnumber) = loan * (1 - k) / annuity
+     * </p>
+     * 
+     * <p>
+     * Math.pow(k,termnumber) = 1 - (loan * (1 - k) / annuity)
+     * </p>
+     * 
+     * <p>
+     * C = 1 - (loan * (1 - k) / annuity)
+     * </p>
+     * 
+     * <p>
+     * Math.pow(k,termnumber) = C
+     * </p>
+     * 
+     * <p>
+     * The logarithm rule for exponential functions: log a^x = x * log a
+     * </p>
+     * 
+     * <p>
+     * log k * termnumber = log C
+     * </p>
+     * 
+     * <p>
+     * termnumber = log C / log k
+     * </p>
+     * 
+     * <p>
+     * DECIMALS: Per definition, period numbers must be integers. This rounding must happen outside this function, as it
+     * returns a decimal number.
+     * </p>
+     * 
+     * @param loan
+     *            The size of the gross loan, included orgination fees. annuity -> The periodic (often monthly) payment
+     * @param annuity
+     *            Periodic payment
+     * @param rate
+     *            Nominal, periodic interest rate due -> TRUE if the annuities are paid in advance
+     * @param due
+     *            'due' = true -> annuities are paid in advance, 'due' = false -> ordinary annuities, paid in arrears.
+     * 
+     * @return The number of periods it will take to pay down 'loan' to zero
+     */
+    private double termnumAnnu(double loan, double annuity, double rate, boolean due) {
+    
+        double k = 1 / (1 + rate);
+    
+        if (due) {
+            double C = 1 - (loan * (1 - k) / annuity);
+            return Math.log(C) / Math.log(k);
+        } else {
+            double C = k - (loan * (1 - k) / annuity);
+            return Math.log(C) / Math.log(k) - 1;
+        }
+
+    }
+    
+
+
+
+
+    /**
+     * <p>
+     * <b>WHAT THE FUNCTION DOES:</b>
+     * </p>
+     * 
+     * 
+     * <p>
+     * The function computes effective interest rate for a serial loan. As a side product, other values that could come
+     * useful are computed too.
+     * </p>
+     * 
+     * 
+     * <p>
+     * The function handles three different types of loan segments:
+     * </p>
+     * 
+     * <ol>
+     * <li>The interes rate for the whole loan is determined by the initial size of the principal when the loan is
+     * given. The rate does not change during the loan period. This is the most common and the simplest model.</li>
+     * 
+     * <li>The interest rate for the whole loan changes when the principal passes certain thresholds (the parameter
+     * 'rateThresholds' == true)</li>
+     * 
+     * <li>Separate segments of the loan have different interest rates at the same time. All installments are deducted
+     * from the uppermost segment of the loan. This segment, thus, is payed dowm first. For instance, ther rate for the
+     * segment between 0 and 500,000 could be 4%, between 500,000 and 1,000,000 i could be 3.5% and above 1,000,000 it
+     * could be 3%. All applying at the same time. (The parameter 'rateSegments' == true)</li>
+     * </ol>
+     * 
+     * 
+     * <p>
+     * <b>SECTIONS:</b>
+     * </p>
+     * 
+     * <p>
+     * The function consists of seven separate, numbered sections:
+     * </p>
+     * 
+     * <ol>
+     * <li>Preparation and adaption of data</li>
+     * <li>Computation of all period payments and the remainder</li>
+     * <li>Computation or the effective interest rate</li>
+     * <li>Result reporting</li>
+     * </ol>
+     * 
+     * 
+     * <p>
+     * <b>THE PLAN</b>
+     * </p>
+     * 
+     * <p>
+     * The interest rate is computed by iterations. Before performing the iterations, we need to know the size of every
+     * payment and the time on when it is paid. When we have a loan that changes interest rate during the payment
+     * period, we could have subsequent intervals with different rates. The function also supports parallell interest
+     * rates.
+     * </p>
+     * 
+     * <p>
+     * Hence, all the payments, rounded and placed in their respective period must be computed and stored in the array
+     * 'interval_data'.
+     * </p>
+     * 
+     * <p>
+     * Generally, we use the object properties to compute the values in 'interval_data' before we use the values in
+     * 'interval_data' to compute the result(s) that will be returned.
+     * </p>
+     * 
+     * <p>
+     * <b>ASSUMPTION FOR "PERIOD MODE"</b>
+     * </p>
+     * 
+     * <p>
+     * In "period mode", when the first payment is known and we compute the number of periods, we assume that the first
+     * payment is the greatest of all payments during the loan period. This would be true in all normal cases, but wrong
+     * if the interest rate increases dramatically after a while.
+     * </p>
+     */
+    public SerialLoanResult serialLoan() throws FreeLoanException {
+
+        
+        preprocess();
+        
+        
+        /*
+         * 1) PREPARATION AND ADAPTION OF DATA:
+         * 
+         * 
+         * DATA IN A FORMAT SUITABLE FOR OUR FORMULAS:
+         * 
+         * It is mathematically correct to take all fees into consideration when computing effective interest rate. But
+         * the function also supports the ommittance of the start/orgination fees:
+         */
+
+        double principal;
+
+        if (ignoreOrigination) {
+            principal = received;
+        } else {
+
+            // What the user receives plus fees
+            principal = (received + feeDocument) * (100 + feePercentage) / 100;
+
+            principal += feeProcessing;
+
+        }
+
+        // Error if the balloon is greater than the principal:
+        if (balloon > principal) {
+            throw new FreeLoanException(FreeLoanExceptionType.BALLOON_TOO_SMALL);
+        }
+        
+        
+        /*
+         * Total number of calculation periods are the total number of periods, 'numberOfPeriods' divided by
+         * 'periodsPerYear' to find the number of years. We then multiply this by the capitalization frequency,
+         * 'capitalizationFreq' to find the number of calculation periods.
+         */
+        
+        /*
+         * 'rate_divisor' is the divisor the nominal, annual interest rate must be divided by to obtain the periodic
+         * interest rate. For instance, a nominal interest rate of 6% equals a nominal monthly decimal rate of 0,005 =>
+         * 6/1200.
+         */
+
+        int rate_divisor = 100 * capitalizationFreq;
+        
+        
+        /*
+         * What is the upper segment n 'priceStorage'? The function '.length' returns the length inclusive element zero,
+         * that is not in use. The last element, thus, is 'element.length-1':
+         */
+        int num_segm = priceStorage.length - 1;
+        
+        
+        
+        /* Identifying the lowest segment that contains the upper loan amount limit: */
+
+        boolean found = false;
+
+        while (!found) {
+            if (principal > priceStorage[num_segm].getLowerLimit() || num_segm == 1) {
+                found = true;
+            } else {
+                num_segm--;
+            }
+        }
+
+        double termnumber;
+
+        if (firstPayment != null && firstPayment != 0) {
+
+            /*
+             * Computing the number of periods of a serial loan is simple. It is the net loan dividied by the net
+             * installment. The net installment it the net first payment - 'netpayment' - minus the interest part.
+             * 
+             * First, we must deduct fees from the payment, as these are not going towards paying off the loan:
+             */
+
+            double netpayment = (firstPayment * 12 / capitalizationFreq) - priceStorage[num_segm].getPeriodicalFee() - principal
+                    * feePeriodPerc / 100;
+
+            /*
+             * Then, we deduct the first interest payment. ('price_storage[1][4]' contains the first annual, nominal
+             * rate).
+             * 
+             * If there is an initial interest-only period, the number of terms are either undetermed, or 'fistpayment'
+             * must be assumed
+             * 
+             * to mean the fist payment of the period after the interest-only period, when we are starting to pay off
+             * the loan.
+             */
+
+            double netinstall = netpayment - priceStorage[num_segm].getAnnualInterest() / rate_divisor * principal;
+
+            // If the net payment does not cover the interest rate, the loan cannot be payed back:
+
+            if (netinstall < 0) {
+                throw new FreeLoanException(FreeLoanExceptionType.PAYMENT_TOO_SMALL);
+            }
+
+            // The number of periods are simply the principal divided on the periodical installment:
+            // Not sure if normal rounding is correct here, but..
+            termnumber = Math.ceil((principal - balloon) / netinstall); 
+
+        } else {
+            termnumber = numberOfPeriods;
+        }
+
+        double calculation_periods = Math.ceil(termnumber / periodsPerYear * capitalizationFreq);
+
+        // The number of intial interest-only periods (where no installments are paid):
+
+        double installment_grace_periods = interestonlyPeriods / (double) periodsPerYear * capitalizationFreq;
+
+        // The number of "normal" periodical payments that include installment:
+
+        double installment_periods = calculation_periods - installment_grace_periods;
+
+
+
+        /*
+         * 
+         * 
+         * 2) COMPUTATION OF ALL PERIOD PAYMENTS AND THE REMAINDER
+         * 
+         * 
+         * IN THIS SECTION:
+         * 
+         * In this section, we compute the periodic payments. In a serial loan all payments are different. If the
+         * amounts were not rounded, we could have used the formula for serial loans. But in the real world, we cannot
+         * pay amounts with many decimal fractions, only whole currenty units and cents. Hence, we must compute on the
+         * basis of the rounded sums that are acutally paid. This requires transversing the loan period by period,
+         * computing all payments separately.
+         * 
+         * Each payment normally consists of three parts:
+         * 
+         * o The interest part
+         * o The installment part
+         * o The fee part
+         * 
+         * In a serial loan, the installment is the same for all payments: The principal divided on the number of
+         * payment periods.
+         * 
+         * We store the values in the intermediate array 'per_pay' (for "periodical payment"). Further down, 'per_pay'
+         * is used for the computation of effective interest rate.
+         * 
+         * The content of 'per_pay' for period 'i' is:
+         * 
+         * pay_per[i][0] -> The interest amount for the part of the loan for which installments are NOT paid in this
+         * period
+         * 
+         * pay_per[i][1] -> The interest amount for the part of the loan for which installments are paid in this
+         * period
+         * 
+         * pay_per[i][2] -> The whole payment for this period, included installment and fees.
+         * 
+         * 
+         * Some of the computed data will be stored in sub-res, whick is part of result reporting:
+         * 
+         * 
+         * FOR RESULTREPORTING
+         * 
+         * When we must compute all payments anyway, we might as well return them in the function result, so that they
+         * could be used for instance for a graph.
+         * 
+         * We want to return the whole period payment and specify the installment part and the fee part
+         * 
+         * 
+         * Example: If the loan has 12 annual payments and runs for 20 years, there will be 240 different rows in 'pay_per'.
+         */
+
+        // The part of the payment that makes the principal smaller. In serial loan, the same for all periods:
+
+        double installment;
+
+        // 'installment_periods' = 0 means only interest
+
+        if (installment_periods != 0) {
+            installment = (principal - balloon) / installment_periods;
+        } else {
+            installment = 0;
+        }
+
+        // Remaining principal after each installment. Before we start subtracting installments, the whole intial
+        // principal remains:
+
+        double rem_princ = principal;
+
+        int pres = 0;
+
+        // Divisor indicating the requested presicion when rounding..
+        if (!roundToInteger) {
+            pres = 100;
+        } else {
+            pres = 1;
+        }
+
+        /*
+         * COMPUTING IN ADVANCE NUMBERS THAT ARE USED OFTEN: If the loan is concurrently running with different interes
+         * rates in different segments, all installments are still subtracted only from the uppermost, remaining
+         * segment. Hence, during the periods it takes to pay down the segment, the interest and fees in the other
+         * segments are the same for all periods in the interval. In order to avoid computing this in each period, we
+         * compute the amounts in advance and put them in the array 'segm_int_am':
+         * 
+         * The interest amount for the part of the loan for which installments are NOT paid in this period:
+         */
+
+        // The size of the part of the principal that is in this segment
+        double segm_size;
+
+        // "Segment's interest amount"
+        double[] segm_int_am = new double[num_segm];
+
+        for (int i = 1; i < num_segm; i++) {
+
+            PriceStorageStep curStep = priceStorage[i];
+
+            /*
+             * If the upper limit in
+             * the segment is smaller than the principal, or Double.MAX_VALUE (which means 'unlimted' in FreeLoan):
+             */
+
+            if (curStep.getUpperLimit() <= principal || curStep.getUpperLimit() == Double.MAX_VALUE || i == 1) {
+
+                /*
+                 * If different interest rates are applied concurrently in different segments, the interest rate amount
+                 * is computed with the separate segment rate:
+                 */
+
+                if (rateSegments) {
+
+                    double segment;
+
+                    // "Unlimited" as the upper limit means the segment size equals the principal minus the segment's
+                    // lower limit:
+
+                    if (curStep.getUpperLimit() == Double.MAX_VALUE) {
+                        segment = principal - curStep.getLowerLimit();
+                    } else {
+                        segment = curStep.getUpperLimit() - curStep.getLowerLimit();
+                    }
+
+                    // The interest amount of the segment
+                    segm_int_am[i] = segment * curStep.getAnnualInterest() / rate_divisor;
+
+                    // Added to the previously estimated amount of interest in higher segments
+                    if (i > 1) {
+                        segm_int_am[i] += segm_int_am[i - 1];
+                    }
+
+                } else {
+
+                    /*
+                     * The same interest rate is applied for the whole remaining principal. This rate is the highest
+                     * relevant segment's. As the whole loan is encompassed, we don't need to add up the segments.
+                     */
+
+                    // "Ulimited' means the principal
+                    if (curStep.getUpperLimit() == Double.MAX_VALUE) {
+                        segm_size = principal;
+                    } else {
+                        segm_size = curStep.getUpperLimit();
+                    }
+
+                    // The segmentrate above, for the part of the loan currently serviced, is applied to the rest of the
+                    // loan:
+
+                    if (i < num_segm) {
+                        segm_int_am[i] = segm_size * priceStorage[1 + i].getAnnualInterest() / rate_divisor;
+                    } else {
+                        segm_int_am[i] = segm_size * curStep.getAnnualInterest() / rate_divisor;
+                    }
+
+                }
+
+            }
+        }
+
+        // Two dimentional array where we store the periodical paymenst. See definition above.
+        double[][] pay_per = new double[(int) Math.round(calculation_periods) + 1][3];
+
+        // Two dimentional array for certain parts of the result. See definition above.
+        SerialLoanPeriod[] sub_res = new SerialLoanPeriod[(int) Math.round(calculation_periods) + 1];
+
+        // What currently remains of the principal in the segment
+        double rem_segm = 0;
+
+        // The start segment
+        int now_segm = num_segm;
+
+        // Periodic fee for the current period
+        double fee_per;
+
+        // Payment for the current period
+        double paym_per = 0;
+
+        // Interest payment for the current period
+        double int_per;
+
+        // Installment for the current period
+        double inst_per;
+
+        // When the payment is rounded, the remainder is deducted from /added to the principal.
+        double adj_inst;
+
+        // The first period of the loan
+        int first;
+
+        // If interest should be paid in advance, we start at period zero, otherwise at period one:
+        if (annuityDue) {
+            first = 0;
+        } else {
+            first = 1;
+        }
+
+        // We traverse the whole loan, period by period:
+        for (int i = first; i <= calculation_periods; i++) {
+
+            // 1. In what segment are we? We started at the top, and change for each principal limit we pass.
+            if (now_segm > 1 && rem_princ < priceStorage[now_segm].getLowerLimit()) {
+                now_segm--;
+            }
+
+            // 2. Remaining principal in the segment (the part that is payed down in payment 'i'):
+            // Remaining principal in this segment
+            if (now_segm == 1 || !rateThresholds) {
+                rem_segm = rem_princ;
+            } else {
+                rem_segm = rem_princ - priceStorage[now_segm - 1].getUpperLimit();
+            }
+
+            // 3. The interest amount for this payment in this segment of the loan:
+
+            double termren;
+
+            if (!rateThresholds) {
+
+                /*
+                 * When the interest rate cannot change during the loan, it is determined by the rate when you took up
+                 * the loan. We find this rate in 'priceStorage[num_segm].getAnnualInterest()'. (The array 'priceStorage' is a parameter
+                 * to the function. See above.).
+                 */
+
+                termren = priceStorage[num_segm].getAnnualInterest() / rate_divisor;
+                pay_per[i][0] = 0;
+
+            } else {
+
+                // WHen the interst rate can change during the loan, it is determined by the number of the segment we're
+                // in - 'now_segm':
+                termren = priceStorage[now_segm].getAnnualInterest() / rate_divisor;
+
+                // 4. The interest amount for the part of the loan for which installments are NOT paid in this period:
+                if (now_segm > 1) {
+                    pay_per[i][0] = segm_int_am[now_segm - 1];
+                } else {
+                    pay_per[i][0] = 0;
+                }
+
+            }
+
+            // The interest amount for the part of the loan for which installments ARE paid in this period
+            pay_per[i][1] = rem_segm * termren;
+
+            /*
+             * The total interest amount for this period. In a loan with interest paid in advance, there is no interest
+             * payment in the very last payment:
+             */
+
+            if (annuityDue && i == calculation_periods) {
+                int_per = 0;
+            } else {
+                int_per = pay_per[i][0] + pay_per[i][1];
+            }
+
+            /*
+             * 5. Then we are ready to compute the periodical payment, including the period's installment:
+             * 
+             * Firstly, period zero exists only in interest-in-advance loans. The way we have defined it, there is not
+             * installment (payoff of the capital) in period zero:
+             */
+
+            if (i == 0) {
+                inst_per = 0;
+            } else {
+                inst_per = installment;
+            }
+
+            // Secondly, if we are not in an interest-only period..
+
+            if (i > installment_grace_periods) {
+                paym_per = int_per + inst_per;
+            } else {
+                paym_per = int_per;
+            }
+
+            // 6. We add the periodical fee (the segment's fee is used):
+
+            fee_per = priceStorage[now_segm].getPeriodicalFee();
+
+            /*
+             * For certain loans, there is a fee as a percentage of the borrowing limit. Here, we interpret this as a
+             * percentage of the intial principal:
+             */
+
+            fee_per += feePeriodPerc * principal;
+
+            paym_per += fee_per;
+
+            /*
+             * 7. Rounding
+             * 
+             * 
+             * The periodic payment is rounded according to the rules given as parameters to the object:
+             * 'roundDirection' and 'roundPresision':
+             */
+
+            // Normal rounding
+            if (roundDirection == Utils.RoundDirection.NORMAL) {
+                pay_per[i][2] = Math.round(paym_per * pres) / (double) pres;
+            } else if (roundDirection == Utils.RoundDirection.UP) {
+                pay_per[i][2] = Math.ceil(paym_per * pres) / pres;
+            } else if (roundDirection == Utils.RoundDirection.DOWN) {
+                pay_per[i][2] = Math.floor(paym_per * pres) / pres;
+            }
+
+            /* The remainder of the periodic payment after rounding is added to / subtracted from the principal: */
+
+            // Adjusted installment after rounding.
+            adj_inst = pay_per[i][2] - int_per - fee_per;
+
+            /*
+             * 8. The remaining principal.
+             * 
+             * We subtract the installment part of the payment from the remaining principal:
+             */
+
+            rem_princ -= adj_inst;
+
+            SerialLoanPeriod curSubRes = new SerialLoanPeriod();
+
+            // For result reporting:
+            sub_res[i] = curSubRes;
+
+            // The whole rounded payment for period 'i', included installment and fees.
+            curSubRes.setPayment(pay_per[i][2]);
+
+            // The installment for peroid 'i'
+            curSubRes.setInstallment(adj_inst);
+
+            // The fee for period 'i'
+            curSubRes.setPeriodicFee(fee_per);
+
+        }
+
+        /*
+         * When all periods are paid, the remaining principal contains the compounded rounding errors and an eventual
+         * residual/balloon payment. For rounding purposes, We add the last ordinary payment and the ramaining
+         * principal, round them and subtract the ordinary payment again to find the remaining principal:
+         */
+
+        double remainder;
+
+        if (!ignoreRemainder) {
+            remainder = Math.round((rem_princ + paym_per) * pres) / (double) pres
+                    - pay_per[(int) Math.round(calculation_periods)][2];
+        } else {
+            remainder = Math.round((balloon + paym_per) * pres) / (double) pres
+                    - pay_per[(int) Math.round(calculation_periods)][2];
+        }
+
+        /*
+         * 3) COMPUTATION OF EFFECTIVE INTEREST RATE
+         * 
+         * 
+         * The effective interest rate does not transpire directly through a formula. I must be found through repeated
+         * guesses, where you try to move your guess closer to the answer for each iteration.
+         * 
+         * The best algorithm is Newton's method:
+         * 
+         * Newton's method is well described in Wikipedia: http://en.wikipedia.org/wiki/Newton%27s_method
+         * 
+         * Where 'PV' is the present value and 'k' a growth/discount factor, Newton's method regards the problem as
+         * finding the point where the function graph in the PV/k space crosses the 'k'-line. At the point for our
+         * guess, the tangent to the graph points in approximately the right direction, says Newton.
+         * 
+         * But to find the gradient of the tangent, we must differentiate the function. Because we have rounded
+         * payments, we can't use the function for serial loans. Hence, we don't have a function to differentiate. So we
+         * do the second best, we use the s e c a n t.
+         * 
+         * We select at point close to 'k' as the second point where the secant line intersects the graph. If these two
+         * points are very close, the secant will have approximately the same gradient as the tangent.
+         * 
+         * Testing indicates that the number of iterations are about the same as when applying Newton's method.
+         * 
+         * 4-5 guesses are normally sufficient to achieve an accuracy of ten decimal fractions.
+         * 
+         * 
+         * As our first guess for the growth factor 'k', we will use the nominal interest rate in the lowest segment,
+         * segment 1. To convert to decimal rate, we divide by 100. We add 1 to obtain a growth factor, and compute the
+         * n'th root of this factor, n being the number of capitalisations annually:
+         */
+
+        double s = Math.pow(priceStorage[1].getAnnualInterest() / 100 + 1, 1 / (double) capitalizationFreq) - 1;
+
+        // From the rate 's', we compute our first guess for the discount/growth factor 'k', which is the unknown in the
+        // subsequent iterations:
+
+        double k;
+
+        // Initiall guess: Nominal rate = effective rate
+        if (s != -1) {
+            k = 1 / (1 + s);
+        } else {
+            throw new FreeLoanException(FreeLoanExceptionType.INTEREST_PERIOD_TOO_LONG);
+        }
+
+        // The other point where the secant crosses the graph, 'g', that is one millionth smaller than 'k'
+        double g = k - k / 1000000;
+
+        // The present value of the periodic payments, discounted with the best guess 'k'
+        double NV_round;
+
+        // The present value of the periodic payments, discounted with the marginally smaller 'g'
+        double NV_round_alt;
+
+        // The present value of the remainder, discounted with the best guess 'k'
+        double NV_rem;
+
+        // The present value of the remainder, discounted with the marginally smaller 'g'
+        double NV_rem_alt;
+
+        // 'y' is the present value of all payments minus the initial principal
+        double y;
+
+        // Function value close to 'y', constitutes one of the coordinates for the alternative point
+        double z;
+
+        // The gradient for the secant throught the two points y/k og z/g.
+        double grad;
+
+        // The increase (increment) we give 'k' in order to get closer to result
+        double inc;
+
+        // Counts the iterations
+        int rounds = 0;
+
+        /*
+         * For each iteration, we compare the present value of all our expenses with the value of what we receive. By
+         * running more iterations, we can get this differenve - y - as small as we want. But accuract impairs speed,
+         * and the administator can choose the accuracy. From this choice, we set the maximal value of 'y' here called
+         * 'comp':
+         */
+        double comp;
+
+        if (accuracy == Utils.Accuracy.FAST) {
+            comp = Math.round(principal / 5000);
+        } else if (accuracy == Utils.Accuracy.NORMAL) {
+            comp = principal / 50000000;
+        } else {
+            comp = principal / 50000000000000l;
+        }
+
+        // In order for the iterations to start, 'y' must have a value greater than 'comp'
+        y = comp + 1;
+
+        // 4-5 iterations are normally enough - we limit it at 100.
+        while (Math.abs(y) > comp && rounds < 100) {
+
+            // Present values are computed again in each iteration:
+            NV_round = 0;
+            NV_round_alt = 0;
+            NV_rem = 0;
+            NV_rem_alt = 0;
+
+            // We traverse the array with all the periodic payments and compute the present value:
+            for (int i = first; i <= calculation_periods; i++) {
+
+                // The present value of the rounded periodic payment with discount factor 'k', our principal guess:
+
+                NV_round += pay_per[i][2] * Math.pow(k, i);
+
+                // The present value of the rounded periodic payment with alternative discount factor 'g':
+
+                NV_round_alt += pay_per[i][2] * Math.pow(g, i);
+
+            }
+
+            // Computing the present value of the remainder:
+
+            NV_rem = remainder * Math.pow(k, calculation_periods);
+
+            // Computing the present value of the remainder with alternative discount factor:
+
+            NV_rem_alt = remainder * Math.pow(g, calculation_periods);
+
+            /*
+             * We try to make 'y' - the differenve between the present value of all payments minus the initial principal
+             * as close to zero as possible:
+             */
+
+            y = NV_round + NV_rem - received;
+
+            // A value close to 'y', being one of the coordinates for the second slice point of the secant:
+
+            z = NV_round_alt + NV_rem_alt - received;
+
+            // The gradient for a line (the secant) running through the two function points
+            grad = (z - y) / (g - k);
+
+            // Increment based on the secant's gradient
+            inc = -y / grad;
+
+            // We increase 'k' by the increment, hoping to make 'y' closer to zero
+            k += inc;
+
+            // We also update the value of 'g', used to make the other intersection point
+            g = k - k / 100000000000l;
+
+            rounds++;
+
+        }
+
+        /*
+         * 4) RESULT REPORTING
+         * 
+         * e = effective periodical interest rate er = effective annual interest rate
+         * 
+         * k = 1/ 1 + e k (1+e) = 1 1/k = 1 + e e = 1/k - 1
+         * 
+         * er = (((1/k)^capitalization_freqr)-1)*100
+         * 
+         * In javascript notation:
+         * 
+         * er = (Math.pow(1/k,capitalizationFreq)-1)*100;
+         * 
+         * The principal function result is the effective annural interest rate. But as a bi-produkt, several other
+         * enteties are computed too. They could come handy in a result presentation.
+         * 
+         */
+
+        // Effective annual interest rate in percent
+        double er = (Math.pow(1 / k, capitalizationFreq) - 1) * 100;
+
+        SerialLoanResult res = new SerialLoanResult();
+
+        res.setEffectiveInterestRate(er);
+
+
+        res.setRemainder(remainder);
+        res.setRounds(rounds);
+
+        res.setPeriods(sub_res);
+        res.setPaybackPeriodCount(termnumber);
+
+        return res;
+
+    }
+
+
+    
+    /**
+     * @param received <b>(OBLIGATORY)</b> The loan amount received by the borrower.
+     * (Due to fees, this might deviate from the principal in the
+     * bank's books).
+     */
+    public void setReceived(Double received) {
+        this.received = received;
+    }
+    
+    /**
+     * <p>
+     * <b>ENABLES PAYMENT MODE</b>
+     * </p>
+     * 
+     * @param numberOfPeriods The loan time. This calculator only computes loans that are given over whole years.
+     * 
+     * <p>
+     * Either this loan time or 'firstPayment" is obligatory. With 'numberOfPeriods' set, the periodical payments (annuities) are computed.
+     * </p>
+     */
+    public void setNumberOfPeriods(Integer numberOfPeriods) {
+        this.numberOfPeriods = numberOfPeriods;
+    }
+    
+    
+    /**
+     * 
+     * <p>
+     * <b>ENABLES PERIOD MODE</b>
+     * </p>
+     * 
+     * @param firstPayment Amount of the desired first payment
+     * 
+     * <p>
+     * Either this first payment or 'numberOfPeriods' is obligatory. With 'firstPayment' set, the number of periods are computed
+     * </p>
+     */
+    public void setFirstPayment(Double firstPayment) {
+        this.firstPayment = firstPayment;
+    }
+
+
+    /**
+     * @param periods_per_year <b>(OBLIGATORY)</b> In order to compute annual, effective interest rate,
+     * some connection to years must be made.
+     */
+    public void setPeriodsPerYear(Integer periods_per_year) {
+        this.periodsPerYear = periods_per_year;
+    }
+
+    /**
+     * @param balloon The planned residual value of the loan ("balloon") to be paid when the loan period is over.
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setBalloon(double balloon) {
+        this.balloon = balloon;
+    }
+
+    /**
+     * @param interestonly_periods Integer > 0: The initial interest-only period wanted by the borrower
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setInterestonlyPeriods(int interestonly_periods) {
+        this.interestonlyPeriods = interestonly_periods;
+    }
+
+    /**
+     * @param roundDirection <b>NORMAL:</b> Annuities are rounded after normal rules <b>UP:</b> Rounded up
+     * <b>DOWN:</b> Rounded down
+     * 
+     * <p>Default: NORMAL</p>
+     */
+    public void setRoundDirection(Utils.RoundDirection round_direction) {
+        this.roundDirection = round_direction;
+    }
+
+    /**
+     * @param roundToInteger <b>false:</b> Payment rounded to nearest 1/100 <b>true:</b> ..rounded to nearest integer
+     * 
+     * <p>Default: false</p>
+     */
+    public void setRoundToInteger(boolean roundToInteger) {
+        this.roundToInteger = roundToInteger;
+    }
+
+    /**
+     * @param remainder_handling <b>false:</b> The "global" remainder at the end of the loan period is payed / compensated with the last payment
+     * <b>true:</b> ..is ignored
+     * 
+     * <p>Default: false</p>
+     */
+    public void setIgnoreRemainder(boolean remainder_handling) {
+        this.ignoreRemainder = remainder_handling;
+    }
+
+    /**
+     * @param ignore_origination <b>false:</b> Origination fee added to the loan and included in the computation.
+     * <b>true:</b> Computation performed without origination fee
+     * 
+     * <p>Default: false</p>
+     */
+    public void setIgnoreOrigination(boolean ignore_origination) {
+        this.ignoreOrigination = ignore_origination;
+    }
+
+
+    /**
+     * @param annuity_due <b>false:</b> Annuity-immediate
+     * <b>true:</b> Annuity-due
+     * 
+     * <p>Default: false</p>
+     */
+    public void setAnnuityDue(boolean annuity_due) {
+        this.annuityDue = annuity_due;
+    }
+
+    /**
+     * @param capitalization_freq <b>0:</b> 12 (Capitalization 12 times a year). <b>Integer>0:</b> Any number of
+     * capitalizations per year.
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setCapitalizationFreq(int capitalization_freq) {
+        this.capitalizationFreq = capitalization_freq;
+    }
+
+    /**
+     * @param interestonly_periods_max Integer >= 0: The maximal interest only-period offered by the bank. In years.
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setInterestonlyPeriodsMax(int interestonly_periods_max) {
+        this.interestonlyPeriodsMax = interestonly_periods_max;
+    }
+
+    /**
+     * @param fee_processing Number >= 0: Processing fee: A one-time fee of a fixed sum to be payed at the beginning of the loan period.
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setFeeProcessing(double fee_processing) {
+        this.feeProcessing = fee_processing;
+    }
+
+    /**
+     * @param fee_document Number >= 0: Document preparation fee: A one-time fee of a fixed sum to be payed at the beginning of the loan
+     * period.
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setFeeDocument(double fee_document) {
+        this.feeDocument = fee_document;
+    }
+
+    /**
+     * @param fee_percentage Number >= 0: Percentage fee: One-time fee to be payed at the beginning of the loan period computed out of the
+     * principle (gross loan). 2 = 2%.
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setFeePercentage(double fee_percentage) {
+        this.feePercentage = fee_percentage;
+    }
+
+    /**
+     * @param fee_period_perc <b>0:</b> No percentage fee. Number: <b>Percentage.</b> Loans given as a credit line have a periodical has a fee as a percentage
+     * of principal PER PERIOD
+     * 
+     * <p>Default: 0</p>
+     */
+    public void setFeePeriodPerc(double fee_period_perc) {
+        this.feePeriodPerc = fee_period_perc;
+    }
+
+    /**
+     * @param rate_thresholds <b>false:</b> No - intial interest rate is fixed for the whole loan for the whole loan period.
+     * <b>true:</b> Rate might change
+     * 
+     * <p>Default: false</p>
+     */
+    public void setRateThresholds(boolean rate_thresholds) {
+        this.rateThresholds = rate_thresholds;
+    }
+
+    /**
+     * @param rate_segments <b>false:</b> All segments of the loan has the same interest rate.
+     * <b>true:</b> Every segment might have separate interest rates.
+     * 
+     * <p>Default: false</p>
+     */
+    public void setRateSegments(boolean rate_segments) {
+        this.rateSegments = rate_segments;
+    }
+
+    /**
+     * @param priceStorage <b>(OBLIGATORY)</b> Contains information about product segments.
+     * It must contain at least one element with annualInterest set
+     */
+    public void setPriceStorage(List<PriceStorageStep> priceStorage) {
+        // IN FreeLoan JS implementation there were no first elements in arrays
+        priceStorage.add(0, null);
+        this.priceStorage = priceStorage.toArray(new PriceStorageStep[priceStorage.size()]);
+    }
+    
+    /**
+     * Only for serial loans. Does not apply to annuity loans.
+     * 
+     * @param accuracy
+     * <p>Default: NORMAL</p>
+     */
+    public void setAccuracy(Utils.Accuracy accuracy) {
+        this.accuracy = accuracy;
+    }
+    
+    
+}
\ No newline at end of file
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoanException.java b/src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoanException.java
new file mode 100644
index 0000000..7c3cb3f
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/calc/FreeLoanException.java
@@ -0,0 +1,64 @@
+package no.finansportalen.freecalc.freeloan.calc;
+
+public class FreeLoanException extends Exception {
+
+    private static final long serialVersionUID = 1L;
+    
+    FreeLoanExceptionType type;
+
+    public FreeLoanException(FreeLoanExceptionType type) {
+        super(type.message());
+        this.type = type;
+    }
+    
+    public FreeLoanException(String missingFieldName) {
+        super(FreeLoanExceptionType.PARAMETER_MISSING.message() + missingFieldName);
+        this.type = FreeLoanExceptionType.PARAMETER_MISSING;
+    }
+    
+    public int getErrNum() {
+        return type.errNum();
+    }
+    
+    public FreeLoanExceptionType getType() {
+        return type;
+    }
+
+
+
+
+
+    public static enum FreeLoanExceptionType {
+        
+        INTEREST_PERIOD_TOO_LONG(-1, "Request for longer interest-only period than the bank offers"),
+        FIRST_SEGMENT_NOT_DEFINED(-2, "First loan segment not defined"),
+        BALLOON_TOO_SMALL(-3, "Balloon smaller than smallest loan offered"),
+        BALLOON_TOO_BIG(-4, "Balloon bigger than biggest loan offered"),
+        NO_SEGMENT_FOUND(-5, "No segment found (normally because the requested loan amount is too small or too big)"),
+        FAILING_CONVERGENCE(-6, "Failing convergence at zero periods or -100% nominal interest rate"),
+        UNSUPPORTED_COMBINATION_ADVANCE(-7, "Freeloan does not support the combination of separate, concurrent interest rate segments and annuities in advance"),
+        PAYMENT_TOO_SMALL(-8, "The chosen periodic payment is too small to cover the interest on the loan"),
+        UNSUPPORTED_COMBINATION_PERIODIC(-9, "The combination of separate, concurrent interest rate segments and user chosen periodic payment is not supported"),
+        EFFECTIVE_RATE_WAS_NAN(-10, "After the calculations effective interest rate was NaN"),
+        ANNUITY_FALL_BELOW_MIN_PAYMENT(-11, "With the chosen payback time, the annuity will fall below the required minimum payment"),
+        PARAMETER_MISSING(-12, "Parameter missing: ");
+        
+        private final String message;
+        private final int errNum;
+        
+        private FreeLoanExceptionType(int errNum, String message) {
+            this.message = message;
+            this.errNum = errNum;
+        }
+
+        public String message() {
+            return message;
+        }
+
+        public int errNum() {
+            return errNum;
+        };
+        
+        
+    }
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthCalc.java b/src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthCalc.java
new file mode 100644
index 0000000..cda7311
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthCalc.java
@@ -0,0 +1,530 @@
+package no.finansportalen.freecalc.freeloan.calc;
+
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+import no.finansportalen.freecalc.common.Utils;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException.FreeLoanExceptionType;
+
+class IntervallengthCalc {
+
+    /**
+     * The size of the principal in this segment.
+     */
+    private double upperlimit;
+
+    /**
+     * Nominal, annual interest rate. RATE CANNOT BE ZERO (!= 0)
+     */
+    private double rate;
+
+    /**
+     * Remaining principal after the interval is over
+     */
+    private double lowerlimit;
+
+    /**
+     * The remaining number of periodical payments for the whole loan when the function is called. CANNOT BE ZERO (!= 0)
+     */
+    private double periods;
+
+    /**
+     * NORMAL: Annuities are rounded after normal rules UP: Rounded up DOWN. Rounded down
+     */
+    private Utils.RoundDirection roundDirection;
+
+    /**
+     * false: Payment rounded to nearest 1/100 true: Rounded to nearest integer
+     */
+    private boolean roundToInteger;
+
+    /**
+     * Factor the nominal annual rate in percent is divided by to obtain the rate in decimal fraction
+     */
+    private int rateDivisor;
+
+    /**
+     * The interest from an eventual residual/balloon added to each period payment.
+     */
+    private double interestAmountRes;
+
+    /**
+     * Boolean. If 'false', we use normal annuities (annuity-immediate). Otherwise annuities in advance (annuity-due).
+     */
+    private boolean advance;
+
+    /**
+     * <p>
+     * <b>WHAT THE FUNCTION DOES:</b>
+     * </p>
+     * 
+     * <p>
+     * It computes how many periods it takes to pay the segment's principal 'upperlimit' down to the amount 'lowerlimit'
+     * at the given interest rate and the given number of periods ('periodsRemaining') that are left of the loan period.
+     * </p>
+     * 
+     * <p>
+     * The number of periods cannot be a decimal number. The answer is thus rounded up to the nearest integer, because
+     * we want to make sure that the principal in the interval is payed down. (When there is subsequent intervals, the
+     * interest rate does not change before the principal limit is surpassed).
+     * </p>
+     * 
+     * <p>
+     * When the number of periods are rounded up, we don't "hit" the principal limit accurately. Normally, the loan will
+     * be payed further down - the remaining principal is lower than the limit. This remaining principal is computed and
+     * returned in 'answer[3]'.
+     * </p>
+     * 
+     * <p>
+     * When we compute the number of periods, we don't include periodical fees, because these fees don't affect the
+     * remaining principal in the bank's books.
+     * </p>
+     * 
+     * <p>
+     * The periodical payment is rounded before the computations begin.
+     * </p>
+     * 
+     * 
+     * <p><b>DERIVATION OF FORMULAS</b></p>
+     * 
+     * <p>
+     * a) <b>ANNUITY-IMMEDIATE</b>
+     * </p>
+     * 
+     * <p>
+     * Consider a loan of 2.5 millions, where you pay 3.95% as long as the remaining principal is greater than 2
+     * millions. You pay 4.05% when the loan is between 1 million and 2 millions. You pay 4.15% if the loan is paid off
+     * below 1 million. The example loan runs for 20 years with monthly payments, 240 payments in all:
+     * </p>
+     * 
+     * <p>
+     * We can easily compute the first annuity, using the annuity formula:
+     * </p>
+     * 
+     ********************************************************************************* 
+     * <p><b>FORMULA FOR ANNUITY-IMMEDIATE:</b></p>
+     * 
+     * annuity = loan * (1 - k) / (k - Math.pow(k,termnumber+1));<br>
+     * where<br>
+     * k = 1/(1+rate);<br>
+     ********************************************************************************* 
+     * 
+     * <p>
+     * It will be 15,083.72
+     * </p>
+     * 
+     * <p>
+     * At some point, the first threshold 2,000,000 will be passed, and the rate changes. But how many periods will this
+     * take?
+     * </p>
+     * 
+     * <p>
+     * We know that if we pay 15.083.72 per month in 240 months, we will have paid the 2,5 million. The present value
+     * over 240 terms is 2,5 millions:
+     * </p>
+     * 
+     * <p>
+     * PV(240) = 2,5 millons
+     * </p>
+     * 
+     * <p>
+     * After an unknown number of periods – x –, we will pass the 2 million threshold. Then, the present value of the
+     * remaining loan will be 2 millions.
+     * </p>
+     * 
+     * <p>
+     * PV(x) = 2 millons
+     * </p>
+     * 
+     * 
+     * <p>
+     * PV(240) - PV(x) = 500,000
+     * </p>
+     * 
+     * 
+     * <p>
+     * We rearrange the annuity formula with respect to the loan:
+     * </p>
+     * 
+     * <p>
+     * capital = annuity * (k – k^(termnum+1)) /(1 - k)
+     * </p>
+     * 
+     * <p>
+     * 2,000,000 = annuity * (k – k^(x+1)) /(1 - k)
+     * </p>
+     * 
+     * <p>
+     * We call 2,000,000 ‘PV’ and the annuity ‘a’:
+     * </p>
+     * 
+     * <p>
+     * PV = a * (k – k^(x+1)) /(1 - k) => (PV * (1 – k)/a )= (k – k^(x+1)) => (PV * (1 – k)/a) –k = – k^(x+1) => (PV *
+     * (1 – k)/a) –k = – k^(x+1)
+     * </p>
+     * 
+     * <p>
+     * We multiply by -1:
+     * </p>
+     * 
+     * <p>
+     * k – (PV * (1 – k)/a) = k^(1+x)
+     * </p>
+     * 
+     * <p>
+     * The whole left side consists of constants. We can set
+     * </p>
+     * 
+     * <p>
+     * II C = k – (PV * (1 – k)/a) I+II C = k^(1+x)
+     * </p>
+     * 
+     * <p>
+     * Taking the logarithm of both sides:
+     * </p>
+     * 
+     * <p>
+     * log(C) = (1 + x) * log (k) => log(C) = log (k)+ (x * log (k)) => (log(C) - log (k))/log(k) = x
+     * </p>
+     * 
+     ********************************************************************************* 
+     * <p><b>TERM NUMBER FORMULA FOR ANNUITY-IMMEDIATE</b></p>
+     * 
+     * terms = (log(C)- log (k))/log(k)<br>
+     * where:<br>
+     * k = 1/(1+rate);<br>
+     * C = k – (PV * (1 – k)/a)<br>
+     * a = annuity<br>
+     * PV = present value<br>
+     * (capital/loan/principal)<br>
+     ********************************************************************************* 
+     * 
+     * <p>
+     * Subsituting the variable names:
+     * </p>
+     * 
+     * <p>
+     * nomrate = 3.95% r = nomrate/1200 k = 1/(1+r) => k = 0.996719133
+     * </p>
+     * 
+     * <p>
+     * PV = 2,000,000 a = 15,083.72 => x = 174.515769
+     * </p>
+     * 
+     * <p>
+     * Thus, with an annuity of 15,083.72, the present value is 2,000,000 if the loan runs 174.515769 terms/payments.
+     * </p>
+     * 
+     * <p>
+     * As term numbers in the real world are always integers, we have to round this number down in order to be certain
+     * that the 2 million threshold is passed, and the interest rate thus can change.
+     * </p>
+     * 
+     * <p>
+     * 174,515769 => 174
+     * </p>
+     * 
+     * <p>
+     * The number of periods in the first interval, where the loan runs with an interest rate of 3.95%, is thus 240 – 174
+     * = 66. We repeat this procedure with eventual subsequent intervals.
+     * </p>
+     * 
+     * 
+     * <p>
+     * b) <b>ANNUITY-DUE</b>
+     * </p>
+     * 
+     * <p>
+     * For loans where the annuities are paid in advance, annuity-due, we make a similar derivation:
+     * </p>
+     ********************************************************************************* 
+     * <p><b>FORMULA FOR ANNUITY-DUE:</b></p>
+     * 
+     * annuity = loan * (1 - k) / (1 - Math.pow(k,termnumber));<br>
+     * where<br>
+     * k = 1/(1+rate);<br>
+     ********************************************************************************* 
+     * 
+     * <p>
+     * We use short forms of the variable names:
+     * </p>
+     * 
+     * <p>
+     * a = PV * (1-k) / (1 - Math.pow(k,x)) => (1 - Math.pow(k,x)) = PV * (1-k) / a => - Math.pow(k,x) = (PV * (1-k) /
+     * a) - 1 => 1 - (PV * (1-k) / a) = Math.pow(k,x)
+     * </p>
+     * 
+     * 
+     * <p>
+     * The whole left side consists of constants. We can set
+     * </p>
+     * 
+     * <p>
+     * II C = 1 – (PV * (1 – k)/a) I+II C = k^x
+     * </p>
+     * 
+     * <p>
+     * Taking the logarithm of both sides:
+     * </p>
+     * 
+     * <p>
+     * log(C) = x * log (k) => x = log(C)/ log(k)
+     * </p>
+     * 
+     ********************************************************************************* 
+     * <p><b>TERM NUMBER FORMULA FOR ANNUITY-DUE</b></p>
+     * 
+     * terms = log(C)/ log(k)<br>
+     * where:<br>
+     * k = 1/(1+rate);<br>
+     * C = 1 – (PV * (1 – k)/a)<br>
+     * a = annuit<br>
+     * PV = present value<br>
+     * (capital/loan/principal)<br>
+     ********************************************************************************* 
+     * 
+     * <p>
+     * NB! These two formulas don't support negative interest rate, as that would lead to a k < 1
+     * </p>
+     * 
+     * <p>
+     * And log(k) is not defines for negative values of 'k'.
+     * </p>
+     */
+    public AnnuityLoanPeriod calculate() throws FreeLoanException {
+        
+        double fullannuity, C, a, remaintime;
+
+        double k = 1 / (1 + rate / rateDivisor);
+        
+        if (k < 0) {
+            // Negative interest rate not supported
+            throw new FreeLoanException(FreeLoanExceptionType.FAILING_CONVERGENCE); 
+        }
+
+        
+        if (advance) {
+
+            if (periods != 1) {
+                fullannuity = upperlimit * (1 - k) / (1 - Math.pow(k, periods));
+            } else {
+                // 'periods' = 1 would give divitions with zero
+                throw new FreeLoanException(FreeLoanExceptionType.FAILING_CONVERGENCE);
+            }
+        
+            // In order to find the correct number of periods, we must use the actually paid - rounded - annuities:
+
+            a = Utils.roundoff(fullannuity, roundDirection, roundToInteger);
+
+            C = 1 - (lowerlimit * (1 - k)/a);
+
+            remaintime = Math.log(C)/Math.log(k); 
+
+        } else {
+
+            if (periods != 0) {
+                fullannuity = upperlimit * (1 - k) / (k - Math.pow(k, periods + 1));
+            } else {
+                throw new FreeLoanException(FreeLoanExceptionType.FAILING_CONVERGENCE);
+            }
+        
+            // In order to find the correct number of periods, we must use the actually paid - rounded - annuities:
+
+            a = Utils.roundoff(fullannuity, roundDirection, roundToInteger);
+
+            C = k - (lowerlimit * (1 - k)/a);
+
+            remaintime = (Math.log(C) - Math.log(k))/Math.log(k);
+
+        }
+
+
+        /* As the time elapsed in this interval is 'elapsed' = 'periods' minus 'remaintime', we must round 'remaintime' DOWN to 
+        be certain the threshold is really passed: */
+
+        
+        remaintime = Math.floor(remaintime);
+
+
+        // The difference between the unrounded and rounded annuity
+        double remainder = fullannuity - a; 
+
+        /*
+         * REMAINING PRINCIPAL
+         * 
+         * 
+         * This is one of the most subtle/tricky parts of FreeLoan.
+         * 
+         * We can only pay rounded annuities. One thousandth of a cent does not exist.
+         * 
+         * The present value of the rounded payments do not exactly match the present value of the theoretical payments
+         * writtten with an 'infinite' number of decimal fractions.
+         * 
+         * But the bank will still deduct the installment part of the annuity from the booked principal. For each term,
+         * these two values will differ.
+         * 
+         * This discrepancy will follow us through the whole computation if we apply the annuity formula directly in
+         * order to find the remaining principal.
+         * 
+         * We find the remaining principal by:
+         * 
+         * o Computing the principal 'upperlimit_adjusted' using the rounded annuity 'annuity_true' o Computing
+         * 'deviation' - the difference between 'upperlimit_adjusted' and 'upperlimit' - the latter a parameter to the
+         * function o Computing 'remainingprincipal' as the sum of the present value at the end of the interval using
+         * 'annuity_true' and the forward discounted deviation.
+         * 
+         * 
+         * In case the loan has a residual/ballon part that remains at the end of the loan period, the interest amount
+         * for an eventual such part of the loan is found in the parameter 'interestAmountRes'. It must be taken into
+         * account when rounding:
+         */
+
+        // Interest on residual + annuity
+        double fullannuityround = Utils.roundoff(fullannuity + interestAmountRes, roundDirection, roundToInteger);
+        
+        // The rounded payment minus the unrounded interest amount
+        double annuity_true = fullannuityround - interestAmountRes;
+        
+        // The number of periods it takes to pay the principal lower than 'lowerlimit'
+        double elapsed = periods - remaintime;
+        
+        // The number of periods it takes to pay the principal lower than 'lowerlimit'
+        // ALTERNATIVELY: var elapsed = Math.ceil(periodsRemaining - remaintime);
+
+        /*
+         * We apply the annuity formula again:
+         * 
+         * annuity = principal * (1 - k) / (k - Math.pow(k,calculation_periods+1))
+         * 
+         * .. with respect to the principal:
+         * 
+         * principal = annuity * (k - Math.pow(k,calculation_periods+1))/ (1 - k)
+         * 
+         * .. if we got an annuity-due (payment in advance) loan:
+         * 
+         * principal = annuity * (1 - Math.pow(k,calculation_periods))/ (1 - k)
+         * 
+         * The adjusted principal, 'upperlimit_adjusted' deviates a little from 'upperlimit', as the former is computed
+         * with rounded annuities:
+         */
+
+        double upperlimit_adjusted;
+
+        if (advance) {
+            upperlimit_adjusted = annuity_true * (1 - Math.pow(k, periods)) / (1 - k);
+        } else {
+            upperlimit_adjusted = annuity_true * (k - Math.pow(k, periods + 1)) / (1 - k);
+        }
+
+        /*
+         * We call our small deviation - the difference between the inital principal computed with rounded and unrounded
+         * payments - 'deviation':
+         */
+
+        double deviation = upperlimit - upperlimit_adjusted;
+
+        /*
+         * As time passes, this initial, small error will be charged with interest and grows. At any point in time, the
+         * remainding debt will be the present value of the rounded, ordinary payments, plus the value of the
+         * rate-incurred deviation:
+         */
+
+        double remainingprincipal;
+
+        if (advance) {
+            remainingprincipal = annuity_true * (1 - Math.pow(k, remaintime)) / (1 - k) + deviation
+                    * Math.pow(1 + rate / rateDivisor, elapsed - 1);
+        } else {
+            remainingprincipal = annuity_true * (k - Math.pow(k, remaintime + 1)) / (1 - k) + deviation
+                    * Math.pow(1 + rate / rateDivisor, elapsed);
+        }
+
+        /*
+         * FIVE ANSWERS
+         * 
+         * We will return both the annuity and the number of periods it took to pay the loan down to 'lowerlimit' from
+         * 'upperlimit' with that annity. We also wish to keep the new, adjusted value of the "outgoing" principal.
+         */
+
+        AnnuityLoanPeriod answer = new AnnuityLoanPeriod();
+        answer.setPayment(a);
+        
+        // The real result of the function - the number of periods it takes to pay down this segment of the loan
+        answer.setNumberOfTerms(elapsed);
+        
+        // The remaining principal
+        answer.setLowerSegmentLimit(remainingprincipal);
+        
+        // Same as the parameter
+        answer.setUpperSegmentLimit(upperlimit);
+        
+        // Cents/fractions of cents we pay too much or too little at each annuity due to rounding
+        answer.setRemainder(remainder);
+
+        return answer;
+
+    }
+
+    /**
+     * @param upperlimit The size of the principal in this segment.
+     */
+    public void setUpperlimit(double upperlimit) {
+        this.upperlimit = upperlimit;
+    }
+
+    /** 
+     * @param rate Nominal, annual interest rate. RATE CANNOT BE ZERO (!= 0)
+     */
+    public void setRate(double rate) {
+        this.rate = rate;
+    }
+
+    /**
+     * @param lowerlimit Remaining principal after the interval is over
+     */
+    public void setLowerlimit(double lowerlimit) {
+        this.lowerlimit = lowerlimit;
+    }
+
+    /**
+     * @param periods_remaining The remaining number of periodical payments for the whole loan when
+     * the function is called. CANNOT BE ZERO (!= 0)
+     */
+    public void setPeriods(double periods_remaining) {
+        this.periods = periods_remaining;
+    }
+
+    /**
+     * @param roundDirection NORMAL: Annuities are rounded after normal rules UP: Rounded up DOWN. Rounded down
+     */
+    public void setRoundDirection(Utils.RoundDirection round_direction) {
+        this.roundDirection = round_direction;
+    }
+
+    /**
+     * @param roundToInteger false: Payment rounded to nearest 1/100 true: Rounded to nearest integer
+     */
+    public void setRoundToInteger(boolean roundToInteger) {
+        this.roundToInteger = roundToInteger;
+    }
+
+    /**
+     * @param rate_divisor Factor the nominal annual rate in percent is divided by to obtain the rate in decimal fraction
+     */
+    public void setRateDivisor(int rate_divisor) {
+        this.rateDivisor = rate_divisor;
+    }
+
+    /**
+     * @param interest_amount_res The interest from an eventual residual/balloon added to each period payment.
+     */
+    public void setInterestAmountRes(double interest_amount_res) {
+        this.interestAmountRes = interest_amount_res;
+    }
+
+    /**
+     * @param advance Boolean. If 'false', we use normal annuities (annuity-immediate). Otherwise annuities in
+     * advance (annuity-due).
+     */
+    public void setAdvance(boolean advance) {
+        this.advance = advance;
+    }
+}
\ No newline at end of file
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthSeparateCalc.java b/src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthSeparateCalc.java
new file mode 100644
index 0000000..da4cdae
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/calc/IntervallengthSeparateCalc.java
@@ -0,0 +1,602 @@
+package no.finansportalen.freecalc.freeloan.calc;
+
+import java.util.ArrayList;
+
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+import no.finansportalen.freecalc.common.Utils;
+
+class IntervallengthSeparateCalc {
+
+    /**
+     * 'segmentarray': An array with a row for each segment.
+     * 
+     * 
+     * The top / latest / most expensive segment should be the last - the highest seat numbers - i 'segmentarray'.
+     */
+    private ArrayList<PriceStorageStepWrapper> segmentarray;
+
+    /**
+     * OBLIGATORY: Index for the segment we are computing the number of payment periods for
+     */
+    private int step;
+
+    /**
+     * OBLIGATORY: Number of payment periods remaining of the whole loan.
+     */
+    private double periodsRemaining;
+
+    /**
+     * NORMAL: Annuities are rounded after normal rules UP: Rounded up DOWN: Rounded down
+     */
+    private Utils.RoundDirection roundDirection;
+
+    /**
+     * false: Payment rounded to nearest 1/100 true: Rounded to nearest integer
+     */
+    private boolean roundToInteger;
+
+    /**
+     * Factor we divide the annual percentage interest rate by to obtain the periodical decimal fraction rate..
+     */
+    private int rateDivisor;
+
+    private double interestAmountRes;
+
+    
+    
+    /**
+     * <p><b>WHAT THE FUNCTION DOES</b></p>
+     * 
+     * <p>The function 'calculate()' computes how many payments are needed to pay down the loan from the
+     * upper to the lower loan limit of the loan segment 'step', provided all segments of the loan are served as annuity
+     * loans with different interest rates, but installments from all segments are only used to reduce/pay down the
+     * upper segment 'step'.</p>
+     * 
+     * <p>The difference from 'IntervallengthCalc.calculate()' is that the latter computes the number of payments in interecals
+     * where the interest rate at any one time is the same for all parts of the loan. Here, in
+     * 'calculate()', parallell interest rates could be used in different segments at the same time.</p>
+     * 
+     * <p>As the installments also in other segments than segment 'step' are reducing the principal, we need information
+     * about all segments.</p>
+     * 
+     * 
+     * <p>The number of periods must be an integer. This effects the the remaining principal.
+     * The installment does not include bank charges, then forward the fee does not affect the principal
+     * amount in the accounts.</p>
+     * 
+     * <p>Instalments are rounded according to the rules given by the function's parameters 'roundDirection',
+     * 'roundToInteger' and 'rate_divisor'.</p>
+     * 
+     * 
+     * 
+     * 
+     * <p><b>METHOD</b></p>
+     * 
+     * 
+     * <p>We search for the number of periodic payment - 'periods' - neccessary to pay down the the principal in the segment
+     * 'step'.</p>
+     * 
+     * <p>At the end of 'term', while all segments of the loan run as separate annuity loans, the value of the whole loan -
+     * principal - should be paid down by the size of the segment 'periods'. Due to rounding, we will not precicely hit
+     * the amount.</p>
+     * 
+     * <p>This amount, thus, will be the sum of the installments. The sum, in other words, is known. But we don't know the
+     * part-installments in each segment. Hence, we cannot compute 'periods' directly. We have to do it through
+     * iterations.</p>
+     * 
+     * <p>We use Newton's method in order to obtain effective iterations. It's described here:</p>
+     * 
+     * <p>
+     * <a href='http://en.wikipedia.org/wiki/Newton%27s_method">http://en.wikipedia.org/wiki/Newton%27s_method'>
+     * http://en.wikipedia.org/wiki/Newton%27s_method">http://en.wikipedia.org/wiki/Newton%27s_method
+     * </a>
+     * </p>
+     * 
+     * <p>We need a guess, a start value for the number of periods we are looking for. We use the interest rates and the
+     * initial size of the segments to compute an weighted average interest rate</p>
+     */
+    public AnnuityLoanPeriod calculate() throws FreeLoanException {
+
+        double segment;
+        double weight;
+        double weighted_rate = 0;
+        PriceStorageStepWrapper curSegmentStepWrapper = segmentarray.get(step);
+        PriceStorageStep curSegmentStep = curSegmentStepWrapper.getPriceStorageStep();
+        
+        // Principal in the interval at the start. (Step zero is not used).
+        double start_principal = curSegmentStep.getUpperLimit() - segmentarray.get(1).getPriceStorageStep().getLowerLimit();
+
+        // We run through all the steps
+        for (int i = step; i > 0; i--) {
+
+            PriceStorageStep curSegment = segmentarray.get(i).getPriceStorageStep();
+
+            segment = curSegment.getUpperLimit() - curSegment.getLowerLimit();
+            weight = segment / start_principal;
+            weighted_rate += curSegment.getAnnualInterest() * weight;
+
+        }
+
+        /*
+         * Then we can use the function 'IntervallengthCalc.calculate()' to make an estimate for the number of periods it will take to
+         * pay the loan down to the wished size. The estimate is done as if there were no segments, only one homogenous
+         * loan:
+         */
+        double periods;
+
+        if (step > 1) {
+
+            IntervallengthCalc intervalCalc = new IntervallengthCalc();
+
+            intervalCalc.setUpperlimit(curSegmentStep.getUpperLimit());
+            intervalCalc.setRate(weighted_rate);
+            intervalCalc.setLowerlimit(curSegmentStep.getLowerLimit());
+            intervalCalc.setPeriods(periodsRemaining);
+            intervalCalc.setRoundDirection(roundDirection);
+            intervalCalc.setRoundToInteger(roundToInteger);
+            intervalCalc.setRateDivisor(rateDivisor);
+            intervalCalc.setInterestAmountRes(interestAmountRes);
+            intervalCalc.setAdvance(false);
+
+            periods = intervalCalc.calculate().getNumberOfTerms();
+        } else {
+            periods = periodsRemaining;
+        }
+
+        /*
+         * If there is only one segment, the number of steps equals the remaing number of periods for the whole loan.
+         * 
+         * Before we perform the iteration, we also want to compute the annity in each segment, plus a growth factor,
+         * 'k', derived from the interest rate.
+         * 
+         * 
+         * *********************************************************************************************
+         *                                   DIFFERENTIATION OF 'sum avdrag'
+         * ***********************************************************************************************
+         * 
+         * METHOD:
+         * 
+         * By the annuity formula, we can find out how many periods are required to pay all loan down to zero. Here, we
+         * won't necessarily pay the loan to zero, but to a lower limit for the segment that is given in 'segmentarray'.
+         * 
+         * The number of periods it takes to pay the loan down to zero is in the parameter 'periodsRemaining'.
+         * 
+         * We use the annuity in the interval and compute how many periods it would take to pay the remaining loan to
+         * zero.
+         * 
+         * The difference must be the number of peroids it would take to pay down the principal to the remaining loan.
+         * 
+         * Newton's method dictates that we differentialte the function with respect to the number of periods.
+         * 
+         * We use the annuity formula:
+         * 
+         * annuity = principal* (1 - k) / (k - Math.pow(k,calculation_periods+1)) 
+         * where
+         * k = 1/(1+rate)
+         *
+         * 
+         * We will rephrase this with respect to principal:
+         * 
+         * 
+         * principal = annuity * (k - Math.pow(k,eval(calculation_periods)+eval(1))) / (1 - k);
+         * 
+         * 
+         * We want to compute how long time it would take to pay the remaining loan down to zero, and use other variable
+         * names:
+         * 
+         * 
+         * endprincipal = annuity* (k - Math.pow(k,eval(resttid)+eval(1))) / (1 - k);
+         * 
+         * 
+         * During the iterations, we sum up the installments that are paid in each segment during the period. This sum
+         * is the size of the principal at the beginning minus an eventual residue at the end:
+         * 
+         * 
+         * sum_installments += segment - endprincipal;
+         * 
+         * We will differetiate with respect to the time variable 'remaintime". 'segment' is a constant - the derivative
+         * of a constant is zero. We thus consentrate on the variable 'endprincipal', which is a function of
+         * 'remaintime'
+         * 
+         * 
+         * endprincipal = annuity* (k - Math.pow(k,eval(remaintime)+eval(1))) / (1 - k);
+         * 
+         * 
+         * endprincipal = annuity* k / (1 - k) - annuity* Math.pow(k,eval(remaintime)+eval(1))) / (1 - k);
+         * 
+         * 
+         * Differeentiation rules are on wikipedia: http://en.wikipedia.org/wiki/Differentiation_rules
+         * 
+         * The first term - annuity* k / (1 - k) - consists of constants with a derivative = 0. The other term is an
+         * exponential function.
+         * 
+         * To differentiate the expontential function: f(x) = a^x => f'(x) = a^x * ln(a)
+         * 
+         * 
+         * endprincipal' = - annuity* Math.pow(k,eval(remaintime)+eval(1)) * Math.log(k) / (1-k);
+         * 
+         * 
+         * For a simpler expression
+         * 
+         * 
+         * comptime = eval(remaintime)+eval(1)
+         * 
+         * 
+         * endprincipal' = - annuity* Math.pow(k,eval(comptime) * Math.log(k) / (1-k);
+         * 
+         * 
+         * 
+         * 'endprincipal' contains the remaining principal after the period we are looking at. Installments paid in the
+         * period are 'period_inst'. This amount is the principal at the start of eacrh period - 'startprincipal' -
+         * minus the principal at the end, 'endprincipal':
+         * 
+         * 
+         * period_inst = startprincipal - endprincipal;
+         * 
+         * 
+         * As startprincipal is a constant, it "disappears" then differentiating:
+         * 
+         * 
+         * period_inst' = -endprincipal'
+         * 
+         * 
+         * We subsitute for "endprincipal'" that we just computed:
+         * 
+         * period_inst' = annuity* Math.pow(k,eval(comptime) * Math.log(k) / (1-k);
+         * 
+         * We will sum all 'period_inst'-amounts in the variable 'sum_installments'. The derived of 'sum_installments'
+         * we shall call 'angle'.
+         * 
+         * 
+         * *****************************************************************************************************
+         *                                          ITERATIONS
+         * *****************************************************************************************************
+         */
+
+        // Paid installment summed over all the segments
+        double sum_installments = 0;
+        
+        // The sum of the annuities (installment and interest) in each interval
+        double sum_annuity = 0;
+        
+        // The difference between computed and wanted installment sum
+        double diff = 1;
+        
+        // The sum of the differentiated functions
+        double angle = 0;
+        
+        // The size of this segment ('step')
+        double downpaid = curSegmentStep.getUpperLimit() - curSegmentStep.getLowerLimit();
+        
+        double comptime;
+        
+        double k;
+
+        // We calculate the first annuity in each segment, which will not change through iterations:
+
+        for (int i = step; i > 0; i--) {
+
+            PriceStorageStepWrapper curSegmentWrapper = segmentarray.get(i);
+            PriceStorageStep curSegment = curSegmentWrapper.getPriceStorageStep();
+
+            // The principal that is reduced through the installments in segment 'i':
+
+            curSegmentWrapper.setTmpPrincipal(curSegment.getUpperLimit() - curSegment.getLowerLimit());
+
+            // The discounting factor used in the annuity formula (called 'k' in the expression) for segment 'i':
+
+            curSegmentWrapper.setTmpDiscountingFactor(1 / (1 + curSegment.getAnnualInterest() / rateDivisor));
+
+            // Annuity in segment 'i':
+
+            curSegmentWrapper.setTmpAnnuity(curSegmentWrapper.getTmpPrincipal() * (1 - curSegmentWrapper.getTmpDiscountingFactor())
+                    / (curSegmentWrapper.getTmpDiscountingFactor() - Math.pow(curSegmentWrapper.getTmpDiscountingFactor(), periodsRemaining + 1)));
+
+            // To be used in result-reporting:
+
+            sum_annuity += curSegmentWrapper.getTmpAnnuity();
+
+        }
+
+        /*
+         * We have already made a rough estimate over how many periods it will take to pay down the loan to a level
+         * where the segment 'step' has been paid. We will use this value as the initial guess when searching for
+         * 'remaintime':
+         */
+
+        double remaintime = periodsRemaining - periods;
+
+        /* 'remaintime' is the only unknown variable in the following iterations */
+
+        int rounds = 0;
+
+        while (Math.abs(diff) > 0.001 && rounds < 100) {
+
+            sum_installments = 0;
+            angle = 0;
+
+            for (int i = step; i > 0; i--) {
+
+                PriceStorageStepWrapper curSegmentWrapper = segmentarray.get(i);
+
+                // Help variable
+                comptime = remaintime + 1;
+                
+                // The discount factor of segment 'i'
+                k = curSegmentWrapper.getTmpDiscountingFactor();
+                
+                // The principal in segment 'i' at the start of 'periods'
+                double startprincipal = curSegmentWrapper.getTmpPrincipal();
+                
+                // Remaining principal at the end of 'periods'
+                double endprincipal = curSegmentWrapper.getTmpAnnuity() * (k - Math.pow(k, comptime)) / (1 - k);
+                
+                // Installment in the period 'periods' in segment 'i'
+                double period_inst = startprincipal - endprincipal;
+                
+                // We sum the installments for each segment here.
+                sum_installments += period_inst;
+                
+                // Summing the differentiated
+                angle += curSegmentWrapper.getTmpAnnuity() * Math.pow(k, comptime) * Math.log(k) / (1 - k);
+
+            }
+
+            /*
+             * We then compute the differnce between 'sum_installments' and the facit 'downpaid' (the principal of
+             * segment 'step'). The two shall become equal.
+             */
+
+            diff = sum_installments - downpaid;
+
+            /*
+             * 'diff' is a function of 'remaintime'. We seek to find a 'remaintime' which makes 'diff' close to zero.
+             * Since 'downpaid' is a constant, the differntiated of the function 'diff' is the derived of
+             * 'sum_installments'. We have already computed the differentiated of 'sum_installments'. It is commpounded
+             * in the variable 'angle'. So now, we can compute hoe much we will add or subtract from 'remaintime' to get
+             * 'diff' closer to zero:
+             */
+
+            remaintime += -diff / angle;
+
+            rounds++;
+
+        }
+
+        /*
+         * THE NUMBER OF PERIODS MUST BE AN INTEGER
+         * 
+         * Our number for remaining periods after the current term is over, is so far a decimal fraction. There are no
+         * corresponing payment stream in reality. Payments normally only accur at whole periods, so the answer must be
+         * an integer.
+         * 
+         * In order to compute the number of periods it takes to pay down the current segment, we subtract 'remaintime'
+         * from 'periodsRemaining': THe number of periods remainig at the start of the interval minus the periods
+         * remaing at the end.
+         * 
+         * This number must be rounded up. But to achieve this, we first round 'remaintime' down
+         */
+
+        // Integer
+        remaintime = Math.floor(remaintime);
+        
+        // The main function result
+        double theseperiods = periodsRemaining - remaintime;
+
+        /*
+         * 
+         * RESULT REPORTING
+         * 
+         * FIVE ANSWERS:
+         * 
+         * We will return both the number of periods it takes to pay down 'segment'. This is stored in 'theseperiods'.
+         * We will also return the new adusted lower limit for the segment. Finally, we adjust for rounding. We thus
+         * return an array as function result.
+         * 
+         * REMAINING PRINCIPAL / ADJUSTED LOWER LIMIT
+         * 
+         * With several parallell segments, different parts og the loan un with separate annities. But the installment
+         * part of the annuities are subtracted only from the current segment 'step'. In order to compute the remaining
+         * principal accurately, we have to transverse all the periods of the segment (the reason for this, is that
+         * every period's installment must be computes separatelt after the periodic payment is rounded. Otherwise, we
+         * would have used the annuity formula).
+         * 
+         * For the segments that are not paid down in the interval, the installment part does not change through the
+         * interval. Hence, we start by determing the sum of these installments (if this is not the last segment, where
+         * only the one segment is paid down).
+         */
+        
+
+        double other_principal = 0;
+
+        double other_annuity = 0;
+
+        double other_rateamount = 0;
+
+        double segmentannuity;
+
+        double segmentrate;
+
+        double segmentprincipal;
+
+        double segmentrateamount;
+
+        for (int i = step - 1; i > 0; i--) {
+
+            PriceStorageStepWrapper curSegmentWrapper = segmentarray.get(i);
+            
+            // The segment's annuity
+            segmentannuity = curSegmentWrapper.getTmpAnnuity();
+            
+            // The segments interest rate
+            segmentrate = curSegmentWrapper.getPriceStorageStep().getAnnualInterest() / rateDivisor;
+            
+            // The segment's initial principal
+            segmentprincipal = curSegmentWrapper.getTmpPrincipal();
+            
+            // The segment's interest amount (for each payment)
+            segmentrateamount = segmentprincipal * segmentrate;
+            
+            // The other segments' interest amount
+            other_rateamount += segmentrateamount;
+            
+            // The other segments' annuities
+            other_annuity += segmentannuity;
+            
+            // The other segments' principal
+            other_principal += segmentprincipal;
+
+        }
+
+        // Then we transverse all payments, compute the installment on subtract it from the principal of the segment:
+
+        // This segment's principal (original loan amount)
+        double partprinc = curSegmentStep.getUpperLimit() - other_principal;
+        
+        // The segment annuity plus other segment annuity
+        double intannuity = curSegmentStepWrapper.getTmpAnnuity() + other_annuity;
+        
+        // The segment's forward rate
+        segmentrate = curSegmentStep.getAnnualInterest() / rateDivisor;
+
+        for (int j = 1; j <= periods; j++) {
+
+            // The segment's interest amounts
+            segmentrateamount = partprinc * segmentrate;
+            
+            // The step amount of interest
+            double interest_segmentbelop = segmentrateamount + other_rateamount + interestAmountRes;
+
+            double trinnavdrag = Utils.roundoff(intannuity + interestAmountRes, roundDirection, roundToInteger)
+                    - interest_segmentbelop;
+            
+            // Customer may pay rounded annuities
+            partprinc -= trinnavdrag;
+
+        }
+
+        // The portion of the principal that was avdratt plus the rest of the chair which was avdratt (which may be negative)
+        double gjenstol = other_principal + partprinc;
+
+        AnnuityLoanPeriod answer = new AnnuityLoanPeriod();
+        
+        // The annuity rounded according to the current rounding parameters
+        answer.setPayment(Utils.roundoff(sum_annuity, roundDirection, roundToInteger));
+        
+        // The main answer feature gives: How many periods it takes to pay off segment 'step'
+        answer.setNumberOfTerms(theseperiods);
+
+        // Remaining principal at the end of the loan
+        answer.setLowerSegmentLimit(gjenstol);
+        
+        // "Opening balance" for the principal
+        answer.setUpperSegmentLimit(curSegmentStep.getUpperLimit());
+        
+        // Positive numbers: We have paid too little. Negative: we paid for myerest
+        answer.setRemainder(sum_annuity - answer.getPayment());
+
+        return answer;
+    }
+    
+    
+
+    /**
+     * @param segmentarray 'segmentarray': An array with a row for each segment.<br>
+     * 
+     * 
+     * The top / latest / most expensive segment should be the last - the highest seat numbers - i 'segmentarray'.
+     */
+    public void setSegmentarray(ArrayList<PriceStorageStep> segmentarray) {
+        
+        this.segmentarray = new ArrayList<IntervallengthSeparateCalc.PriceStorageStepWrapper>();
+        
+        for(PriceStorageStep step : segmentarray) {
+            this.segmentarray.add(new PriceStorageStepWrapper(step));
+        }
+    }
+
+    /**
+     * @param step Index for the segment we are computing the number of payment periods for
+     */
+    public void setStep(int step) {
+        this.step = step;
+    }
+
+    /**
+     * @param periods_remaining Number of payment periods remaining of the whole loan.
+     */
+    public void setPeriodsRemaining(double periods_remaining) {
+        this.periodsRemaining = periods_remaining;
+    }
+
+    /**
+     * @param roundDirection NORMAL: Annuities are rounded after normal rules UP: Rounded up DOWN: Rounded down
+     */
+    public void setRoundDirection(Utils.RoundDirection round_direction) {
+        this.roundDirection = round_direction;
+    }
+
+    /**
+     * @param roundToInteger false: Payment rounded to nearest 1/100 true: Rounded to nearest integer
+     */
+    public void setRoundToInteger(boolean roundToInteger) {
+        this.roundToInteger = roundToInteger;
+    }
+
+    /**
+     * @param rate_divisor Factor we divide the annual percentage interest rate by to obtain the
+     * periodical decimal fraction rate..
+     */
+    public void setRateDivisor(int rate_divisor) {
+        this.rateDivisor = rate_divisor;
+    }
+
+
+    public void setInterestAmountRes(double interest_amount_res) {
+        this.interestAmountRes = interest_amount_res;
+    }
+    
+    
+    
+    
+    private static class PriceStorageStepWrapper {
+        
+        PriceStorageStep priceStorageStep;
+        private double tmpPrincipal;
+        private double tmpDiscountingFactor;
+        private double tmpAnnuity;
+        
+        public PriceStorageStepWrapper(PriceStorageStep step) {
+            this.priceStorageStep = step;
+        }
+        
+        public double getTmpPrincipal() {
+            return tmpPrincipal;
+        }
+
+        public void setTmpPrincipal(double tmpPrincipal) {
+            this.tmpPrincipal = tmpPrincipal;
+        }
+
+        public double getTmpDiscountingFactor() {
+            return tmpDiscountingFactor;
+        }
+
+        public void setTmpDiscountingFactor(double tmpDiscountingFactor) {
+            this.tmpDiscountingFactor = tmpDiscountingFactor;
+        }
+
+        public double getTmpAnnuity() {
+            return tmpAnnuity;
+        }
+
+        public void setTmpAnnuity(double tmpAnnuity) {
+            this.tmpAnnuity = tmpAnnuity;
+        }
+
+        public PriceStorageStep getPriceStorageStep() {
+            return priceStorageStep;
+        }
+        
+    }
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/calc/PriceStorageStep.java b/src/main/java/no/finansportalen/freecalc/freeloan/calc/PriceStorageStep.java
new file mode 100644
index 0000000..506dc66
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/calc/PriceStorageStep.java
@@ -0,0 +1,108 @@
+package no.finansportalen.freecalc.freeloan.calc;
+
+
+
+public class PriceStorageStep {
+    
+    /**
+     * Lower limit for the rate segment.
+     */
+    private double lowerLimit = 0;
+    
+    /**
+     * Upper limit for the rate segment.
+     * Double.MAX_VALUE = "unlimited"
+     */
+    private double upperLimit = Double.MAX_VALUE;
+    
+    /**
+     * The periodical fee for each payment in segment.
+     */
+    private double periodicalFee;
+    
+    /**
+     * OBLIGATORY: The annual interest rate in the segment (as % per anno)
+     */
+    private double annualInterest;
+
+    public PriceStorageStep() {}
+    
+    /**
+     * 
+     * @param annualInterest The annual interest rate in the segment (as % per anno)
+     */
+    public PriceStorageStep(double annualInterest) {
+        this.annualInterest = annualInterest;
+    }
+    
+    
+    /**
+     * 
+     * @param annualInterest The annual interest rate in the segment (as % per anno)
+     * @param periodicalFee The periodical fee for each payment in segment.
+     */
+    public PriceStorageStep(double annualInterest, double periodicalFee) {
+        this.annualInterest = annualInterest;
+        this.periodicalFee = periodicalFee;
+    }
+    
+    /**
+     * 
+     * @param periodicalFee The periodical fee for each payment in segment.
+     * @param annualInterest The annual interest rate in the segment (as % per anno)
+     * @param lowerLimit Lower limit for the rate segment.
+     * @param upperLimit Upper limit for the rate segment.
+     */
+    public PriceStorageStep(double annualInterest, double periodicalFee, double lowerLimit, double upperLimit) {
+        this.lowerLimit = lowerLimit;
+        this.upperLimit = upperLimit;
+        this.periodicalFee = periodicalFee;
+        this.annualInterest = annualInterest;
+    }
+
+    public double getLowerLimit() {
+        return lowerLimit;
+    }
+
+    /**
+     * @param lowerLimit Lower limit for the rate segment.
+     */
+    public void setLowerLimit(double lowerLimit) {
+        this.lowerLimit = lowerLimit;
+    }
+
+    public double getUpperLimit() {
+        return upperLimit;
+    }
+
+    /**
+     * @param upperLimit Upper limit for the rate segment.
+     * Double.MAX_VALUE = "unlimited"
+     */
+    public void setUpperLimit(double upperLimit) {
+        this.upperLimit = upperLimit;
+    }
+
+    public double getPeriodicalFee() {
+        return periodicalFee;
+    }
+
+    /**
+     * @param periodicalFee The periodical fee for each payment in segment.
+     */
+    public void setPeriodicalFee(double periodicalFee) {
+        this.periodicalFee = periodicalFee;
+    }
+
+    public double getAnnualInterest() {
+        return annualInterest;
+    }
+
+    /**
+     * @param <b>(OBLIGATORY)</b> The annual interest rate in the segment (as % per anno)
+     */
+    public void setAnnualInterest(double annualInterest) {
+        this.annualInterest = annualInterest;
+    }
+    
+}
\ No newline at end of file
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/result/AnnuityLoanResult.java b/src/main/java/no/finansportalen/freecalc/freeloan/result/AnnuityLoanResult.java
new file mode 100644
index 0000000..d747903
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/result/AnnuityLoanResult.java
@@ -0,0 +1,29 @@
+package no.finansportalen.freecalc.freeloan.result;
+
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+
+
+public class AnnuityLoanResult extends FreeLoanResult<AnnuityLoanPeriod> {
+    
+    /**
+     * What is left of the loan in the last term due to rounding
+     */
+    private double residue;
+
+    
+    
+    
+
+    /**
+     * @return What is left of the loan in the last term due to rounding
+     */
+    public double getResidue() {
+        return residue;
+    }
+
+    public void setResidue(double residue) {
+        this.residue = residue;
+    }
+    
+    
+}
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/result/FreeLoanResult.java b/src/main/java/no/finansportalen/freecalc/freeloan/result/FreeLoanResult.java
new file mode 100644
index 0000000..a17f3fb
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/result/FreeLoanResult.java
@@ -0,0 +1,71 @@
+package no.finansportalen.freecalc.freeloan.result;
+
+import no.finansportalen.freecalc.common.Period;
+
+
+public abstract class FreeLoanResult<T extends Period> {
+    
+    /**
+     * Effective annual interest rate
+     */
+    private double effectiveInterestRate;
+    
+    /**
+     * Number of iterations made to calculate residue
+     */
+    private int rounds;
+    
+    
+    /**
+     * Number of periods for payback
+     */
+    private double paybackPeriodCount;
+    
+    private T[] periods;
+
+    
+    
+    /**
+     * @return Effective annual interest rate
+     */
+    public double getEffectiveInterestRate() {
+        return effectiveInterestRate;
+    }
+
+    public void setEffectiveInterestRate(double effectiveInterestRate) {
+        this.effectiveInterestRate = effectiveInterestRate;
+    }
+
+    public T[] getPeriods() {
+        return periods;
+    }
+
+    public void setPeriods(T[] periods) {
+        this.periods = periods;
+    }
+
+    /**
+     * @return Number of iterations made to calculate residue
+     */
+    public int getRounds() {
+        return rounds;
+    }
+
+    public void setRounds(int rounds) {
+        this.rounds = rounds;
+    }
+
+    /**
+     * @return Number of periods for payback
+     */
+    public double getPaybackPeriodCount() {
+        return paybackPeriodCount;
+    }
+
+    public void setPaybackPeriodCount(double paybackPeriodCount) {
+        this.paybackPeriodCount = paybackPeriodCount;
+    }
+    
+    
+    
+}
\ No newline at end of file
diff --git a/src/main/java/no/finansportalen/freecalc/freeloan/result/SerialLoanResult.java b/src/main/java/no/finansportalen/freecalc/freeloan/result/SerialLoanResult.java
new file mode 100644
index 0000000..7dfa47d
--- /dev/null
+++ b/src/main/java/no/finansportalen/freecalc/freeloan/result/SerialLoanResult.java
@@ -0,0 +1,20 @@
+package no.finansportalen.freecalc.freeloan.result;
+
+import no.finansportalen.freecalc.common.SerialLoanPeriod;
+
+public class SerialLoanResult extends FreeLoanResult<SerialLoanPeriod> {
+
+    private double remainder;
+
+    
+    
+    
+    public double getRemainder() {
+        return remainder;
+    }
+
+    public void setRemainder(double remainder) {
+        this.remainder = remainder;
+    }
+    
+}
diff --git a/src/test/java/no/finansportalen/freecalc/FreeCalcTest.java b/src/test/java/no/finansportalen/freecalc/FreeCalcTest.java
new file mode 100644
index 0000000..8e2eacf
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/FreeCalcTest.java
@@ -0,0 +1,136 @@
+package no.finansportalen.freecalc;
+
+import java.io.BufferedReader;
+import java.io.IOException;
+import java.io.InputStreamReader;
+import java.lang.reflect.Type;
+import java.util.ArrayList;
+
+import org.junit.Before;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonDeserializationContext;
+import com.google.gson.JsonDeserializer;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonParseException;
+import com.google.gson.reflect.TypeToken;
+
+public abstract class FreeCalcTest<P, R> {
+    
+    protected ArrayList<P> products;
+    private TypeToken<ArrayList<P>> productArrayTypeToken;
+    private TypeToken<ArrayList<R>> resultArrayTypeToken;
+    private String calcPackageName;
+    private String productFileName;
+
+    
+    
+    
+    protected FreeCalcTest(TypeToken<ArrayList<P>> productArrayTypeToken, TypeToken<ArrayList<R>> resultArrayTypeToken, String calcPackageName, String productFileName) {
+        this.productArrayTypeToken = productArrayTypeToken;
+        this.resultArrayTypeToken = resultArrayTypeToken;
+        this.productFileName = productFileName;
+        this.calcPackageName = calcPackageName;
+    }
+
+    @Before
+    public void setup() {
+        products = getProducts();
+    }
+
+    protected String getFromFile(String file) {
+        
+        BufferedReader reader = null;
+        StringBuilder stringBuilder = new StringBuilder(1000000);
+        
+        try {
+            
+            String line;
+            
+            reader = new BufferedReader(new InputStreamReader(FreeCalcTest.class.getResourceAsStream("/" + file), "UTF-8"));
+ 
+            while ((line = reader.readLine()) != null) {
+                stringBuilder.append(line);
+            }
+ 
+        } catch (IOException e) {
+            e.printStackTrace();
+        } finally {
+            try {
+                if (reader != null) {
+                    reader.close();
+                }
+            } catch (IOException ex) {
+                ex.printStackTrace();
+            }
+        }
+        
+        return stringBuilder.toString();
+    }
+    
+
+    protected ArrayList<P> getProducts() {
+        
+        String productJSON = getFromFile(calcPackageName + "/" + productFileName);
+        
+        GsonBuilder gsonBuilder = new GsonBuilder();
+        gsonBuilder.registerTypeAdapter(Integer.class, new FreeCalcTest.IntegerDeserializer());
+        gsonBuilder.registerTypeAdapter(Double.class, new FreeCalcTest.DoubleDeserializer());
+        Gson gson = gsonBuilder.create();
+        
+        Type type = productArrayTypeToken.getType();
+        
+        return gson.fromJson(productJSON, type);
+    }
+    
+    
+    protected ArrayList<R> getExpectedResults(String resultFileName) {
+        
+        String productJSON = getFromFile(calcPackageName + "/" + resultFileName);
+        
+        Gson gson = new Gson();
+        
+        Type type = resultArrayTypeToken.getType();
+        
+        return gson.fromJson(productJSON, type);
+    }
+    
+    
+    private static class DoubleDeserializer implements JsonDeserializer<Double> {
+        
+        @Override
+        public Double deserialize(JsonElement json, Type typeOfT,
+                JsonDeserializationContext context) throws JsonParseException {
+            try {
+                String text = json.getAsString();
+    
+                text = text.replace(" ", "").replace(",", ".");
+                
+                return Double.valueOf(text);
+            } catch (Exception e) {
+                return null;
+            }
+        }
+        
+    }
+
+
+    private static class IntegerDeserializer implements JsonDeserializer<Integer> {
+    
+        @Override
+        public Integer deserialize(JsonElement json, Type typeOfT,
+                JsonDeserializationContext context) throws JsonParseException {
+            try {
+                String text = json.getAsString();
+    
+                text = text.replace(" ", "");
+    
+                return Integer.valueOf(text);
+            } catch (Exception e) {
+                return null;
+            }
+        }
+        
+    }
+}
diff --git a/src/test/java/no/finansportalen/freecalc/freecard/FreeCardTest.java b/src/test/java/no/finansportalen/freecalc/freecard/FreeCardTest.java
new file mode 100644
index 0000000..0c3c949
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freecard/FreeCardTest.java
@@ -0,0 +1,565 @@
+package no.finansportalen.freecalc.freecard;
+
+import static org.junit.Assert.assertEquals;
+
+import java.util.ArrayList;
+import java.util.Iterator;
+import java.util.List;
+
+import no.finansportalen.freecalc.FreeCalcTest;
+import no.finansportalen.freecalc.common.Utils.RoundDirection;
+import no.finansportalen.freecalc.freecard.calc.FreeCard;
+import no.finansportalen.freecalc.freecard.result.FreeCardResult;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException;
+
+import org.junit.Test;
+
+import com.google.gson.reflect.TypeToken;
+
+/**
+ * <p>
+ * Testing the credit card function creditCard() with 'live' data from Finansportalen.
+ * </p>
+ * 
+ * <p>
+ * <b>NAMING CONVENTIONS</b>
+ * </p>
+ * 
+ * Type of fee:<br>
+ * ff - fixed fee<br>
+ * pf - percentage fee<br>
+ * ex - exchange fee<br>
+ * pe - periodic fee (for instance per month, not per transaction)<br>
+ * <br>
+ * 
+ * 
+ * Segment:<br>
+ * lo - low (from low limit)<br>
+ * hi - high (to high limit)<br>
+ * <br>
+ * 
+ * Type of transaction:<br>
+ * cw - cash withdrawal<br>
+ * pu - purchase<br>
+ * tr - transfer to account<br>
+ * mo - mobile payment<br>
+ * cu - currency withdrawal<br>
+ * bi - paying bills in the internet bank with your credit card<br>
+ * <br>
+ * 
+ * Where:<br>
+ * hb - home bank (user's current bank) cash machine<br>
+ * ch - at the counter of home bank<br>
+ * ob - other bank's cash machine<br>
+ * co - at the counter of other bank<br>
+ * sh - in a shop<br>
+ * do - domestically<br>
+ * eu - abroad, inside europe<br>
+ * wo - outside europe<br>
+ * <br>
+ * 
+ * When:<br>
+ * bh - business hours<br>
+ * oh - other hours<br>
+ * <br>
+ * 
+ * 
+ * Minimum rule:<br>
+ * mi - the combined fixed and percentage fee can not be lower<br>
+ * <br>
+ * 
+ * Segment number:<br>
+ * 01, 02, 03 etc<br>
+ * <br>
+ * 
+ * Example:<br>
+ * pu_wo_ff_01 - fixed fee for purchase outside europe, segment one<br>
+ * pu_wo_pf_01 - percentage fee for purchase outside europe, segment one<br>
+ * pu_wo_lo_01 - lower amount limit for fixed fee for purchase outside europe, segment one<br>
+ * pu_wo_hi_01 - higher amount limit for fixed fee for purchase outside europe, segment one<br>
+ * pu_wo_mi_01 - minimum amount in fee for the transaction fee for purchase outside europe (sum of fixed and percentage fee)<br>
+ * pu_wo_ex_01 - percentage currency exchange fee for purchase outside europe in addition to other fees.<br>
+ * pu_wo - purchase outside europe<br>
+ * cw_wo - cash withdrawals outside Europe<br>
+ * cw_ch - cash withdrawal at the counter of home bank<br>
+ * cw_co - cash withdrawal at the counter of other bank<br>
+ * cu_hb - currency withdrawal in own bank (cash machine)<br>
+ * cw_sh - cash withdrawal in a shop<br>
+ * tr - transfer money from your credit card to your ordinary bank account<br>
+ * bi - fee for paying bills in the internet bank with the creditcard<br>
+ * mo - fee for paying with the mobile phone in a shop<br>
+ * pu_do - fee for domestic purchases<br>
+ * pu_eu - fee for purchases abroad, but within Europe<br>
+ * o - origination fee (one time fee at the startup of the card)<br>
+ * pb - paper bill in the snail mail
+ */
+public class FreeCardTest extends FreeCalcTest<JsonProduct, JsonResult> {
+
+    public FreeCardTest() {
+        super(new TypeToken<ArrayList<JsonProduct>>(){}, new TypeToken<ArrayList<JsonResult>>(){}, "freecard", "creditcarddata.json");
+    }
+    
+    @Test
+    public void testCase1() {
+        FreeCardTestInput input = new FreeCardTestInput();
+        input.paybMonths = 12;
+        input.creditLimit = 100000;
+        input.am_cw_hb_oh = 1000;
+        input.nr_cw_hb_oh = 1 ;
+        input.am_cw_eu = 1000;
+        input.nr_cw_eu = 1;
+        input.am_pu_do = 1000;
+        input.nr_pu_do = 10;
+        input.am_pu_eu = 1000;
+        input.nr_pu_eu = 3;
+        input.sumInitDebtFirstMonthOnly = true;
+        
+        testFreeCard(input, "testCase1Results.json");
+    }
+    
+    @Test
+    public void testCase2() {
+        FreeCardTestInput input = new FreeCardTestInput();
+        input.am_cw_hb_bh = 200;
+        input.nr_cw_hb_bh = 2;
+        input.am_cw_eu = 2000;
+        input.nr_cw_eu = 4;
+        input.am_pu_do = 1000; 
+        input.nr_pu_do = 10;
+        input.am_pu_eu = 1000;
+        input.nr_pu_eu = 3;
+        input.am_mo = 500;
+        input.nr_mo = 3;
+        input.paybMonths = 6; 
+        input.paperBill = true;
+        input.creditLimit = 100;
+        input.cw_wo_pf = 10;
+        input.cw_wo_ff = 40;
+        input.cw_ch_ff = 200;
+        input.pu_eu_pf = 5;
+        input.pe_pf = 10;
+        input.pu_do_pf = 5;
+        input.pb_ff = 50;
+        input.o_ff = 600;
+        input.roundDirection = RoundDirection.UP;
+        input.roundToInteger = true;
+        input.ignoreRemainder = true;
+        input.cashIncrease = 5;
+        input.includeCurrency = true;
+        
+        testFreeCard(input, "testCase2Results.json");
+    }
+    
+    
+    @Test
+    public void testCase3() {
+        FreeCardTestInput input = new FreeCardTestInput();
+        input.paybMonths = 27;
+        input.creditLimit = 777777;
+        input.am_cw_sh = 200;
+        input.nr_cw_sh = 3;
+        input.am_pu_do = 30000;
+        input.nr_pu_do = 5;
+        input.sumInitDebtFirstMonthOnly = true;
+        input.roundDirection = RoundDirection.DOWN;
+        input.includeCurrency = true;
+        
+        testFreeCard(input, "testCase3Results.json");
+    }
+    
+    
+    @Test
+    public void testCase4() {
+        FreeCardTestInput input = new FreeCardTestInput();
+        input.paybMonths = 12;
+        input.creditLimit = 10;
+        input.am_cw_hb_oh = 10;
+        input.nr_cw_hb_oh = 1;
+        
+        testFreeCard(input, "testCase4Results.json");
+    }
+    
+
+    public void testFreeCard(FreeCardTestInput input, String resultsFile) {
+
+        // Not current Finansportalen scope used?
+        if (!input.sumInitDebtFirstMonthOnly) {
+            input.nr_cw_hb_bh *= 12;
+            input.nr_cw_hb_oh *= 12;
+            input.nr_cw_ch *= 12;
+            input.nr_cw_sh *= 12;
+            input.nr_cu_hb *= 12;
+            input.nr_cw_ob_bh *= 12;
+            input.nr_cw_ob_oh *= 12;
+            input.nr_cw_co *= 12;
+        }
+        
+
+        /* Net cash withdrawals and net purchases (before fees):*/
+        
+        // Cash withdrawal and fees from own bank during business hours
+        double sumCash = input.am_cw_hb_bh * input.nr_cw_hb_bh;
+        
+        // Cash withdrawal and fees from own bank outside business hours
+        sumCash += input.am_cw_hb_oh * input.nr_cw_hb_oh;
+        
+        // Cash withdrawal and fees when withdrawing at counter at own bank
+        sumCash += input.am_cw_ch * input.nr_cw_ch;
+        
+        // Cash withdrawal and fees when withdrawing cash in a shop
+        sumCash += input.am_cw_sh * input.nr_cw_sh;
+        
+        // Domestic currency withdrawal in own bank's machine
+        sumCash += input.am_cu_hb * input.nr_cu_hb;
+        
+        // Domestic cash machine withdrawal during other bank's opening hours  
+        sumCash += input.am_cw_ob_bh * input.nr_cw_ob_bh;
+        
+        // Domestic cash machine withdrawal when other bank is closed
+        sumCash += input.am_cw_ob_oh * input.nr_cw_ob_oh;
+        
+        // Domestic withdrawal at the counter of other bank
+        sumCash += input.am_cw_co * input.nr_cw_co;
+        
+        // Cash withdrawal in Europe outside Norway
+        sumCash += input.am_cw_eu * input.nr_cw_eu;
+        
+        // Cash withdrawal outside Europe
+        sumCash += input.am_cw_wo * input.nr_cw_wo;        
+
+        
+        
+        /* Transfer to own account and bill payment are currently categorized as cash withdrawals */
+        // Transfer to own account from credit card account
+        sumCash += input.am_tr * input.nr_tr;
+        // Bill payment from credit card account
+        sumCash += input.am_bi * input.nr_bi;          
+
+
+        
+        // Domestic purchase 
+        double sumPurc = input.am_pu_do * input.nr_pu_do;
+        
+        // Purchase in Europe (except home country) 
+        sumPurc += input.am_pu_eu * input.nr_pu_eu;
+        
+        // Purchase outside Europa
+        sumPurc += input.am_pu_wo * input.nr_pu_wo;        
+
+        // Mobile payment - currently categorized as a purchase
+        sumPurc += input.am_mo * input.nr_mo;       
+
+
+        // Variables which are assigned new values for each bank while looping through the creditcarddata.json:
+        double pFeeChange;
+        double sumCashTransFees;
+        double sumPurcTransFees;
+        double nomRateCash;
+        double termFee;
+        double nomRatePurc;
+        
+        List<FreeCardResultWrapper> results = new ArrayList<FreeCardResultWrapper>();
+        
+        for(JsonProduct product : products) {
+            
+            input.pu_eu_ff = product.getPu_eu_ff();
+            nomRatePurc = product.getNom_rate_purc();
+            
+            /*
+             * Should we include the currency exchange fee in the computation of effective interest rate? (It's still
+             * included in the total sum payed)
+             */
+            if (input.includeCurrency) {
+                pFeeChange = product.getEx_eu_pf();
+            } else {
+                pFeeChange = 0;
+            }
+
+
+            /* Fallback to common fees if illustrative fields (planned for a new "Datafanger") are empty */
+            
+            // General 'european' fixed cash withdrawal fee is applied to all foreign countries 
+            if (input.cw_wo_ff == 0) {
+                input.cw_wo_ff = product.getCw_eu_ff();
+            }
+            
+            // General 'european' percentual cash withdrawal fee is applied to all foreign countries
+            if (input.cw_wo_pf == 0) {
+                input.cw_wo_pf = product.getCw_eu_pf();
+            }
+            
+            // General 'european' fixed purchase fee is applied to all foreign countries    
+            if (input.pu_wo_ff == 0) {
+                input.pu_wo_ff = input.pu_eu_ff;
+            }
+            
+            // General 'european' percentual purchase fee is applied to all foreign countries
+            if (input.pu_wo_pf == 0) {
+                input.pu_wo_pf = input.pu_eu_pf;
+            }
+            
+            // Normal fixed atm fee, when no separate fee is provided for withdrawal at own bank's counter
+            if (input.cw_ch_ff == 0) {
+                input.cw_ch_ff = product.getCw_hb_bh_ff();
+            }
+            
+            // Normal perc. atm fee, when no separate fee is provided for withdrawal at own bank's counter
+            if (input.cw_ch_pf == 0) {
+                input.cw_ch_pf = product.getCw_do_pf();
+            }
+            
+            // Normal fixed atm fee, when no separate fee is provided for withdrawal in a shop
+            if (input.cw_sh_ff == 0) {
+                input.cw_sh_ff = product.getCw_hb_bh_ff();
+            }
+            
+            // Normal perc. atm fee, when no separate fee is provided for withdrawal in a shop
+            if (input.cw_sh_pf == 0) {
+                input.cw_sh_pf = product.getCw_do_pf();
+            }
+            
+            // Normal fixed atm fee, when no separate fee is provided for currency withdrawal
+            if (input.cu_hb_ff == 0) {
+                input.cu_hb_ff = product.getCw_hb_bh_ff();
+            }
+            
+            // Normal perc. atm fee, when no separate fee is provided for currency withdrawal
+            if (input.cu_hb_pf == 0) {
+                input.cu_hb_pf = product.getCw_do_pf();
+            }
+            
+            // Normal fixed atm fee, when no separate fee is provided for withdrawal at other bank's counter
+            if (input.cw_co_ff == 0) {
+                input.cw_co_ff = product.getCw_hb_bh_ff();
+            }
+            
+            // Normal perc. atm fee, when no separate fee is provided for withdrawal at other bank's counter
+            if (input.cw_co_pf == 0) {
+                input.cw_co_pf = product.getCw_do_pf();
+            }
+            
+            // Normal fixed fee for purchases abroad applied if no separate "extraeuropean" fee is provided 
+            if (input.pu_wo_ff == 0) {
+                input.pu_wo_ff = input.pu_eu_ff;
+            }
+            
+            // Normal perc. fee for purchases abroad applied if no separate "extraeuropean" fee is provided 
+            if (input.pu_wo_pf == 0) {
+                input.pu_wo_pf = input.pu_eu_pf;
+            }
+            
+            // Normal fixed fee for purchases with mobile phone if no separate fee is provided
+            if (input.mo_ff == 0) {
+                input.mo_ff = product.getPu_do_ff();
+            }
+            
+            // Normal perc. fee for purchases with mobile phone if no separate fee is provided
+            if (input.mo_pf == 0) {
+                input.mo_pf = input.pu_do_pf;
+            }          
+            
+
+            
+            /* (If fee for transfer to own account and fee for bill payment is not provided, it will here be considered free) */
+            
+            /* Cash withdrawal transaction dependent fees: */
+            
+            // Fee, cash withdrawal and fees from own bank during business hours
+            sumCashTransFees = sumfees(input.am_cw_hb_bh, input.nr_cw_hb_bh, product.getCw_hb_bh_ff(), product.getCw_do_pf());
+            
+            // Fee, cash withdrawal and fees from own bank outside opening hours
+            sumCashTransFees += sumfees(input.am_cw_hb_oh, input.nr_cw_hb_oh, product.getCw_hb_oh_ff(), product.getCw_do_pf());
+            
+            // Fee, cash withdrawal and fees when withdrawing at counter at own bank
+            sumCashTransFees += sumfees(input.am_cw_ch, input.nr_cw_ch,  input.cw_ch_ff,  input.cw_ch_pf); 
+            
+            // Fee, cash withdrawal and fees when withdrawing cash in a shop
+            sumCashTransFees += sumfees(input.am_cw_sh, input.nr_cw_sh, input.cw_sh_ff, input.cw_sh_pf);
+            
+            // Fee, domestic currency withdrawal in own bank's machine
+            sumCashTransFees += sumfees(input.am_cu_hb, input.nr_cu_hb, input.cu_hb_ff, input.cu_hb_pf + pFeeChange); 
+            
+            // Fee, domestic cash machine withdrawal during other bank's opening hours  
+            sumCashTransFees += sumfees(input.am_cw_ob_bh, input.nr_cw_ob_bh, product.getCw_ob_bh_ff(), product.getCw_do_pf());
+            
+            // Fee, domestic cash machine withdrawal when other bank is closed  
+            sumCashTransFees += sumfees(input.am_cw_ob_oh, input.nr_cw_ob_oh, product.getCw_ob_oh_ff(), product.getCw_do_pf());
+            
+            // Fee, domestic withdrawal at the counter of other bank
+            sumCashTransFees += sumfees(input.am_cw_co, input.nr_cw_co, input.cw_co_ff, input.cw_co_pf);
+            
+            // Fee, cash withdrawal in Europe outside Norway
+            sumCashTransFees += sumfees(input.am_cw_eu, input.nr_cw_eu, product.getCw_eu_ff(), product.getCw_eu_pf() + pFeeChange); 
+            
+            // Fee, cash withdrawal outside Europe
+            sumCashTransFees += sumfees(input.am_cw_wo, input.nr_cw_wo, input.cw_wo_ff, input.cw_wo_pf + pFeeChange); 
+
+
+            
+            /* Fees for transfer to own account and bill payment are currently categorized as cash withdrawals: */
+
+            // Transfer to own account from credit card account
+            sumCashTransFees += sumfees(input.am_tr, input.nr_tr, input.tr_ff, input.tr_pf);
+            // Bill payment from credit card account
+            sumCashTransFees += sumfees(input.am_bi, input.nr_bi, input.bi_ff, input.bi_pf);                 
+
+
+            /* Summing up cash withdrawal debt: */
+            /* Transaction fees pertaining to purchases: */
+            
+            // Domestic purchase fees 
+            sumPurcTransFees = sumfees(input.am_pu_do, input.nr_pu_do, product.getPu_do_ff(), input.pu_do_pf);
+            
+            // Fee, purchase in Europe (except home country)
+            sumPurcTransFees += sumfees(input.am_pu_eu, input.nr_pu_eu, input.pu_eu_ff, input.pu_eu_ff + pFeeChange);
+            
+            // Fee, purchase outside Europa
+            sumPurcTransFees += sumfees(input.am_pu_wo, input.nr_pu_wo, input.pu_wo_ff, input.pu_wo_ff + pFeeChange);
+            
+            // Fee, mobile payment
+            sumPurcTransFees += sumfees(input.am_mo, input.nr_mo, input.mo_ff, input.mo_pf);                 
+
+            
+            
+            /* Summing up purchase debt: */
+
+            /*
+             * For each monthly payment, there might be "payback fees": One fixed fee is common. There are also
+             * companies charging a monthly fee as a a percentage of the credit limit. Normal fees usually pertain to
+             * the debt being serviced electronically. If you want a paper bill, there is an additional fee for that. We
+             * collect all these sums, that don't change during the payment period, in the variable 'term_fee':
+             */
+            
+            // Term fee
+            termFee = product.getPe_ff() + (input.pe_pf * input.creditLimit / 100);
+            
+            // Paper bill fee
+            if (input.paperBill) {
+                termFee += input.pb_ff;
+            } 
+
+            /*
+             * The percentage annual fee, an_pf, is computed as a fraction of the credit limit. The credit limit is
+             * assumed fixed throughout the loan period, thus the fee is fixed too. Hence, we can add it to the fixed
+             * fee:
+             */
+            double annFee = product.getAn_ff() +  (product.getAn_pf() * input.creditLimit / 100);
+
+            
+            /*
+             * Annual interest rates for purchase and cash withdrawal
+             * 
+             * Mathematically, it is incorrect to simply multiply the monthly interest rate with 12 to obtain the annual
+             * interest rate. This is still done here, in order to mirror what both the companies that report monthly
+             * rate and the companies that report annual rate actually do: A company reporting 6% annual, nominal
+             * interest rate will charge 0.5% per month (6/12). This is not mathematically correct, as this method does
+             * not encompass the compounded interest rate at each capitalization within each year. But as long as this
+             * is how the bank actually acts, we will only be able to compute the correct monthly payment by doing
+             * likewise. For symmetry, we also multiply monthly rates with 12.
+             */
+            
+            // "mnd" means month. As of July 2013, this is the common rate for purchase and withdrawals.
+            if (product.getRateperiod_purc().equals("mnd")) {
+                nomRatePurc = nomRatePurc * 12;  
+            }
+
+
+            /*
+             * Separate nominal rate for cash withdrawals is currently not harvested. But for testing, we can add a
+             * common increment in the calculator:
+             */
+            if (input.cashIncrease == 0) {
+                nomRateCash = nomRatePurc;
+            } else {
+                nomRateCash = nomRatePurc + input.cashIncrease;
+            }
+
+
+            try {
+                FreeCard freeCard = new FreeCard();
+                freeCard.setReceivedCash(sumCash);
+                freeCard.setReceivedPurchase(sumPurc);
+                freeCard.setNumberOfMonths(input.paybMonths);
+                freeCard.setInterestFreeDays(product.getInterestfree_days());
+                freeCard.setRoundDirection(input.roundDirection);
+                freeCard.setRoundToInteger(input.roundToInteger);
+                freeCard.setIgnoreRemainder(input.ignoreRemainder);
+                freeCard.setFeeCashTransaction(sumCashTransFees);
+                freeCard.setFeePurcTransaction(sumPurcTransFees);
+                freeCard.setFeeOrigination(input.o_ff);
+                freeCard.setFeeAnnual(annFee);
+                freeCard.setFeePeriod(termFee);
+                freeCard.setRateCash(nomRateCash);
+                freeCard.setRatePurchase(nomRatePurc);
+                freeCard.setMinpayPerc(product.getMinpay_perc());
+                freeCard.setMinpayUnits(product.getMinpay_units());
+                FreeCardResult result = freeCard.calculate();
+                results.add(new FreeCardResultWrapper(result));
+            } catch (FreeLoanException e) {
+                results.add(new FreeCardResultWrapper(e.getErrNum()));
+            }
+            
+        }
+        
+        
+        List<JsonResult> expectedResults = getExpectedResults(resultsFile);
+        
+        assertEquals(expectedResults.size(), results.size());
+        Iterator<FreeCardResultWrapper> resultsIt = results.iterator();
+        Iterator<JsonResult> expectedResultsIt = expectedResults.iterator();
+        while(resultsIt.hasNext() && expectedResultsIt.hasNext()) {
+            FreeCardResultWrapper resultWrapper = resultsIt.next();
+            JsonResult expectedResult = expectedResultsIt.next();
+            
+            assertEquals(expectedResult.getError(), resultWrapper.getErrorNum());
+            
+            if(expectedResult.getError() == 0) {
+                FreeCardResult result = resultWrapper.getResult();
+                double precision = 0.00000001;
+                assertEquals(expectedResult.getGovernmentEffectiveRate(), result.getGovernmentEffectiveRate(), precision);
+                assertEquals(expectedResult.getGovernmentMonthlyPayment(), result.getGovernmentMonthlyPayment(), precision);
+                assertEquals(expectedResult.getEffectiveRate(), result.getEffectiveRate(), precision);
+                assertEquals(expectedResult.getMonthlyPayment(), result.getMonthlyPayment(), precision);
+                assertEquals(expectedResult.getRemainder(), result.getRemainder(), precision);
+            }
+        }
+        
+        
+    }
+
+    
+    private double sumfees(double sum, int times, double fixedfee, double percentfee) {
+        if (times > 0 && sum > 0) {
+            return times * (fixedfee + sum * percentfee / 100);
+        } else {
+            return 0.0;
+        }
+    }
+    
+    
+    
+    
+    public static class FreeCardResultWrapper {
+        
+        FreeCardResult result;
+        int errorNum = 0;
+        
+        public FreeCardResultWrapper(FreeCardResult result) {
+            this.result = result;
+        }
+        
+        public FreeCardResultWrapper(int errorNum) {
+            this.errorNum = errorNum;
+        }
+        
+        public FreeCardResult getResult() {
+            return result;
+        }
+        
+        public int getErrorNum() {
+            return errorNum;
+        }
+        
+        
+    }
+}
diff --git a/src/test/java/no/finansportalen/freecalc/freecard/FreeCardTestInput.java b/src/test/java/no/finansportalen/freecalc/freecard/FreeCardTestInput.java
new file mode 100644
index 0000000..b9e6b7c
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freecard/FreeCardTestInput.java
@@ -0,0 +1,371 @@
+package no.finansportalen.freecalc.freecard;
+
+import no.finansportalen.freecalc.common.Utils.RoundDirection;
+
+class FreeCardTestInput {
+    
+    /**
+     * Typical withdrawal amount from own bank ("home bank") during business hours
+     */
+    public double am_cw_hb_bh = 0;
+    
+    /**
+     * Count of typical withdrawals from own bank ("home bank") during business hours
+     */
+    public int nr_cw_hb_bh = 0;
+    
+    /**
+     * Typical withdrawal from own bank when closed
+     */
+    public double am_cw_hb_oh = 0;
+    
+    /**
+     * Count of Typical withdrawal from own bank when closed
+     */
+    public int nr_cw_hb_oh = 0;
+    
+    /**
+     * Typical withdrawal amount from own bank at the counter
+     */
+    public double am_cw_ch = 0;
+    
+    /**
+     * Count of typical withdrawal from own bank at the counter
+     */
+    public int nr_cw_ch = 0;
+    
+    /**
+     * Typical cash withdrawal in a shop
+     */
+    public double am_cw_sh = 0;
+    
+    /**
+     * Count of typical cash withdrawals in a shop
+     */
+    public int nr_cw_sh = 0;
+    
+    /**
+     * Typical foreign currency amount withdrawal in own banks cash machine
+     */
+    public double am_cu_hb = 0;
+    
+    /**
+     * Count of typical foreign currency withdrawals in own banks cash machine
+     */
+    public int nr_cu_hb = 0;
+    
+    /**
+     * Typical withdrawal from other bank during business hours
+     */
+    public double am_cw_ob_bh = 0;
+    
+    /**
+     * Count of typical withdrawals from other bank during business hours
+     */
+    public int nr_cw_ob_bh = 0;
+    
+    /**
+     * Typical withdrawal from other bank when closed
+     */
+    public double am_cw_ob_oh = 0;
+    
+    /**
+     * Count of typical withdrawals from other bank when closed
+     */
+    public int nr_cw_ob_oh = 0;
+    
+    /**
+     * Typical withdrawal from other bank at the counter
+     */
+    public double am_cw_co = 0;
+    
+    /**
+     * Count of typical withdrawals from other bank at the counter
+     */
+    public int nr_cw_co = 0;
+    
+    /**
+     * Typical withdrawal abroad, but inside Europe
+     */
+    public double am_cw_eu = 0;
+    
+    /**
+     * Count of typical withdrawals abroad, but inside Europe
+     */
+    public int nr_cw_eu = 0;
+    
+    /**
+     * Typical withdrawal outside Europe
+     */
+    public double am_cw_wo = 0;
+    
+    /**
+     * Count of typical withdrawals outside Europe
+     */
+    public int nr_cw_wo = 0;
+    
+    /**
+     * Purchase domestically
+     */
+    public double am_pu_do = 0;
+    
+    /**
+     * Count of purchases domestically 
+     */
+    public int nr_pu_do = 0;
+    
+    /**
+     * Purchase abroad, but inside Europe
+     */
+    public double am_pu_eu = 0;
+    
+    /**
+     * Count of purchases abroad, but inside Europe
+     */
+    public int nr_pu_eu = 0;
+    
+    /**
+     * Purchase outside Europe
+     */
+    public double am_pu_wo = 0;
+    
+    /**
+     * Count of purchases outside Europe
+     */
+    public int nr_pu_wo = 0;
+    
+    /**
+     * Transfer from credit card to ordinary account
+     */
+    public double am_tr = 0;
+    
+    /**
+     * Count of transfers from credit card to ordinary account
+     */
+    public int nr_tr = 0;
+    
+    /**
+     * Payment of bills from the credit card account
+     */
+    public double am_bi = 0;
+    
+    /**
+     * Count of payments of bills from the credit card account
+     */
+    public int nr_bi = 0;
+    
+    /**
+     * Payment with mobile phone
+     */
+    public double am_mo = 0;
+    
+    /**
+     * Count of payments with mobile phone
+     */
+    public int nr_mo = 0;
+
+    
+    
+    
+    
+    /**
+     * Loan to be paid down to zero over this number of months
+     * @GUI Payback time (in number of months)
+     */
+    public int paybMonths = 0;
+
+    /**
+     * Monthly bills in the snail mail?
+     * @GUI Monthly bills in the snail mail?
+     */
+    public boolean paperBill = false;
+
+    /**
+     * My real or assumed credit limit
+     * @GUI Credit limit
+     */
+    public int creditLimit = 0;
+
+    
+    
+    
+    // Illustrative fees. In GUI entered by us in calculator
+    
+    /**
+     * Fixed fee for cash withdrawals abroad outside Europe
+     */
+    public double cw_wo_ff = 0;
+    
+    /**
+     *  Percentage fee for cash withdrawals abroad outside Europe
+     */
+    public double cw_wo_pf = 0;
+
+    /**
+     * Fixed fee purchase abroad outside Europe
+     */
+    public double pu_wo_ff = 0;
+    
+    /**
+     * Percentage fee purchase  abroad outside Europe
+     */
+    public double pu_wo_pf = 0;
+
+    /**
+     * Fixed fee for cash withdrawal at own bank's counter
+     */
+    public double cw_ch_ff = 0;
+    
+    /**
+     * Percentage fee for cash withdrawal at own bank's counter
+     */
+    public double cw_ch_pf = 0;
+
+    /**
+     * Fixed fee for cash withdrawal at other bank's counter
+     */
+    public double cw_co_ff = 0;
+    
+    /**
+     * Percentage fee for cash withdrawal at other bank's counter
+     */
+    public double cw_co_pf = 0;
+
+    /**
+     * Fixed fee for currency withdrawal in own bank's cash machine. (NOT an exchange fee).
+     */
+    public double cu_hb_ff = 0;
+    
+    /**
+     * Percentage fee for currency withdrawal in own bank's cash machine. (NOT an exchange fee).
+     */
+    public double cu_hb_pf = 0;
+
+    /**
+     * Fixed fee for transfering cash from credit card to bank account
+     */
+    public double tr_ff = 0;
+    
+    /**
+     * Percentage fee for transfering cash from credit card to bank account
+     */
+    public double tr_pf = 0;
+
+    /**
+     * Fixed fee when paying bills from the credit card in the internet bank
+     */
+    public double bi_ff = 0;
+    
+    /**
+     * Percentage fee when paying bills from the credit card in the internet bank
+     */
+    public double bi_pf = 0;
+
+    /**
+     * Fixed fee when paying with the mobile phone, charging the credit card
+     */
+    public double mo_ff = 0;
+    
+    /**
+     * Percentage fee when paying with the mobile phone, charging the credit card
+     */
+    public double mo_pf = 0;
+    
+    /**
+     * Fixed fee when withdrawing cash in a shop
+     */
+    public double cw_sh_ff = 0;
+    
+    /**
+     * Percentage fee when withdrawing cash in a shop
+     */
+    public double cw_sh_pf = 0;
+
+    /**
+     * Fixed fee for international purchases inside Europe
+     */
+    public double pu_eu_ff = 0;
+    
+    /**
+     * Percentage fee for international purchases inside Europe
+     */
+    public double pu_eu_pf = 0;
+    
+
+    
+    
+    
+    /**
+     * Periodic (monthly) fee as percentage of credit limit
+     * @GUI Periodic fee as percentage of credit limit col 4
+     */
+    public double pe_pf = 0;
+
+    /**
+     * Percentage fee for domestic purchases
+     * @GUI Fee as percentage of domestic purchase col 1
+     */
+    public double pu_do_pf = 0;
+
+    /**
+     * Origination fee (one-time fixed fee paid when establishing the credit line)
+     * @GUI One-time origination fee
+     */
+    public double o_ff = 0;
+    
+    /**
+     * Fee for receiving paper bills in the snail mail
+     * @GUI Fee for paper bill pr. snail mail
+     */
+    public double pb_ff = 0;
+
+    /**
+     * Nearest, up, or down? (id=round_rule)
+     * @GUI Rounding direction
+     */
+    public RoundDirection roundDirection = RoundDirection.NORMAL;
+    
+    /**
+     * Nearest whole currency unit og 1/100 of this?
+     * @GUI Rounding precision
+     */
+    public boolean roundToInteger = false;
+
+    /**
+     * Add remainder to last term og discard?
+     * @GUI Placement of remainder
+     */
+    public boolean ignoreRemainder = false;
+
+    
+    
+    
+    
+    
+    // Administrator rules:
+    
+    /**
+     * Increase cash interest rate by this amount (as an illustration)
+     * @GUI Increase interest rate for cash withdrawal by
+     */
+    public double cashIncrease = 0;
+    
+    /**
+     * The current Finansportalen Credit Card Calculator computes the intital debt as the sum of the first month's
+     * domestic usage and the first year's use abroad. Another approach is to sum up all usage for one year, which is
+     * the alternative of this test client:
+     * 
+     * @GUI Initial debt computed as Finansportalen 2013
+     */
+    public boolean sumInitDebtFirstMonthOnly = false;
+
+
+    /**
+     * As default, currency exchange fees are not included in effective interest rate, only in total payment. If
+     * 'includeCurrency' == true, it is included also in effective rate.
+     * 
+     * @GUI Include currency exchange fees in computation of effective interest rate
+     */
+    public boolean includeCurrency = false;
+    
+}
diff --git a/src/test/java/no/finansportalen/freecalc/freecard/JsonProduct.java b/src/test/java/no/finansportalen/freecalc/freecard/JsonProduct.java
new file mode 100644
index 0000000..f91fef0
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freecard/JsonProduct.java
@@ -0,0 +1,316 @@
+package no.finansportalen.freecalc.freecard;
+
+public class JsonProduct {
+    
+    
+    private String issuer;
+    private String cardname;
+    
+    /**
+     * Fixed annual fee for holding the credit card, always paid in advance
+     */
+    private Double an_ff;
+    
+    /**
+     * Percentage annual fee for holding the credit card, as percentage of the credit limit, paid in advance
+     */
+    private Double an_pf;
+    
+    /**
+     * Nominal interest rate for purchases (for everything unless a separate rate for cash is provided)
+     */
+    private Double nom_rate_purc;
+    
+    /**
+     * The scope of the provided interest rate - month ("mnd") or year ("aar")
+     */
+    private String rateperiod_purc;
+    
+    /**
+     * Maximum number of interest free days for purchases
+     */
+    private Integer interestfree_days;
+    
+    /**
+     * Fixed periodic fee to be paid with any downpay term, normally monthly.
+     */
+    private Double pe_ff;
+    
+    /**
+     * Fixed fee, cash withdrawal from own bank during opening hours
+     */
+    private Double cw_hb_bh_ff;
+    
+    /**
+     * Fixed fee, cash withdrawal from own bank outside opening hours
+     */
+    private Double cw_hb_oh_ff;
+    
+    /**
+     * Fixed fee, cash withdrawal from other bank during opening hours
+     */
+    private Double cw_ob_bh_ff;
+    
+    /**
+     * Fixed fee, cash withdrawal from other bank outside opening hours
+     */
+    private Double cw_ob_oh_ff;
+    
+    /**
+     * Percentage fee, domestic cash withdrawal as a percentage of the withdrawal
+     */
+    private Double cw_do_pf;
+    
+    /**
+     * Percentage fee, cash withdrawal abroad as a percentage of the withdrawal (in addition to an eventual currency fee)
+     */
+    private Double cw_eu_pf;
+    
+    /**
+     * Fixed fee, cash withdrawal abroad (fixed sum)
+     */
+    private Double cw_eu_ff;
+    
+    /**
+     * Percentage exchange fee, cash withdrawal abroad (percentage)
+     */
+    private Double ex_eu_pf;
+    
+    /**
+     * Fixed fee purchase, domestically
+     */
+    private Double pu_do_ff;
+    
+    /**
+     * Fixed fee purchase abroad
+     */
+    private Double pu_eu_ff;
+    
+    /**
+     * Minimum, monthly payment as a percentage of used credit
+     */
+    private Double minpay_perc;
+    
+    /**
+     * Minimum, monthly payment in currency units
+     */
+    private Double minpay_units;
+    
+    
+    
+    
+    public String getIssuer() {
+        return issuer;
+    }
+    
+    public void setIssuer(String issuer) {
+        this.issuer = issuer;
+    }
+    
+    public String getCardname() {
+        return cardname;
+    }
+    
+    public void setCardname(String cardname) {
+        this.cardname = cardname;
+    }
+    
+    /**
+     * Fixed annual fee for holding the credit card, always paid in advance
+     */
+    public Double getAn_ff() {
+        return an_ff;
+    }
+    
+    public void setAn_ff(Double an_ff) {
+        this.an_ff = an_ff;
+    }
+    
+    /**
+     * Percentage annual fee for holding the credit card, as percentage of the credit limit, paid in advance
+     */
+    public Double getAn_pf() {
+        return an_pf;
+    }
+    
+    public void setAn_pf(Double an_pf) {
+        this.an_pf = an_pf;
+    }
+    
+    /**
+     * Nominal interest rate for purchases (for everything unless a separate rate for cash is provided)
+     */
+    public Double getNom_rate_purc() {
+        return nom_rate_purc;
+    }
+    
+    public void setNom_rate_purc(Double nom_rate_purc) {
+        this.nom_rate_purc = nom_rate_purc;
+    }
+    
+    /**
+     * The scope of the provided interest rate - month ("mnd") or year ("aar")
+     */
+    public String getRateperiod_purc() {
+        return rateperiod_purc;
+    }
+    
+    public void setRateperiod_purc(String rateperiod_purc) {
+        this.rateperiod_purc = rateperiod_purc;
+    }
+    
+    /**
+     * Maximum number of interest free days for purchases
+     */
+    public Integer getInterestfree_days() {
+        return interestfree_days;
+    }
+    
+    public void setInterestfree_days(Integer interestfree_days) {
+        this.interestfree_days = interestfree_days;
+    }
+    
+    /**
+     * Fixed periodic fee to be paid with any downpay term, normally monthly.
+     */
+    public Double getPe_ff() {
+        return pe_ff;
+    }
+    
+    public void setPe_ff(Double pe_ff) {
+        this.pe_ff = pe_ff;
+    }
+    
+    /**
+     * Fixed fee, cash withdrawal from own bank during opening hours
+     */
+    public Double getCw_hb_bh_ff() {
+        return cw_hb_bh_ff;
+    }
+    
+    public void setCw_hb_bh_ff(Double cw_hb_bh_ff) {
+        this.cw_hb_bh_ff = cw_hb_bh_ff;
+    }
+    
+    /**
+     * Fixed fee, cash withdrawal from own bank outside opening hours
+     */
+    public Double getCw_hb_oh_ff() {
+        return cw_hb_oh_ff;
+    }
+    
+    public void setCw_hb_oh_ff(Double cw_hb_oh_ff) {
+        this.cw_hb_oh_ff = cw_hb_oh_ff;
+    }
+    
+    /**
+     * Fixed fee, cash withdrawal from other bank during opening hours
+     */
+    public Double getCw_ob_bh_ff() {
+        return cw_ob_bh_ff;
+    }
+    
+    public void setCw_ob_bh_ff(Double cw_ob_bh_ff) {
+        this.cw_ob_bh_ff = cw_ob_bh_ff;
+    }
+    
+    /**
+     * Fixed fee, cash withdrawal from other bank outside opening hours
+     */
+    public Double getCw_ob_oh_ff() {
+        return cw_ob_oh_ff;
+    }
+    
+    public void setCw_ob_oh_ff(Double cw_ob_oh_ff) {
+        this.cw_ob_oh_ff = cw_ob_oh_ff;
+    }
+    
+    /**
+     * Percentage fee, domestic cash withdrawal as a percentage of the withdrawal
+     */
+    public Double getCw_do_pf() {
+        return cw_do_pf;
+    }
+    
+    public void setCw_do_pf(Double cw_do_pf) {
+        this.cw_do_pf = cw_do_pf;
+    }
+    
+    /**
+     * Percentage fee, cash withdrawal abroad as a percentage of the withdrawal (in addition to an eventual currency fee)
+     */
+    public Double getCw_eu_pf() {
+        return cw_eu_pf;
+    }
+    
+    public void setCw_eu_pf(Double cw_eu_pf) {
+        this.cw_eu_pf = cw_eu_pf;
+    }
+    
+    /**
+     * Fixed fee, cash withdrawal abroad (fixed sum)
+     */
+    public Double getCw_eu_ff() {
+        return cw_eu_ff;
+    }
+    
+    public void setCw_eu_ff(Double cw_eu_ff) {
+        this.cw_eu_ff = cw_eu_ff;
+    }
+    
+    /**
+     * Percentage exchange fee, cash withdrawal abroad (percentage)
+     */
+    public Double getEx_eu_pf() {
+        return ex_eu_pf;
+    }
+    
+    public void setEx_eu_pf(Double ex_eu_pf) {
+        this.ex_eu_pf = ex_eu_pf;
+    }
+    
+    /**
+     * Fixed fee purchase, domestically
+     */
+    public Double getPu_do_ff() {
+        return pu_do_ff;
+    }
+    
+    public void setPu_do_ff(Double pu_do_ff) {
+        this.pu_do_ff = pu_do_ff;
+    }
+    
+    /**
+     * Fixed fee purchase abroad
+     */
+    public Double getPu_eu_ff() {
+        return pu_eu_ff;
+    }
+    
+    public void setPu_eu_ff(Double pu_eu_ff) {
+        this.pu_eu_ff = pu_eu_ff;
+    }
+    
+    /**
+     * Minimum, monthly payment as a percentage of used credit
+     */
+    public Double getMinpay_perc() {
+        return minpay_perc;
+    }
+    
+    public void setMinpay_perc(Double minpay_perc) {
+        this.minpay_perc = minpay_perc;
+    }
+    
+    /**
+     * Minimum, monthly payment in currency units
+     */
+    public Double getMinpay_units() {
+        return minpay_units;
+    }
+    
+    public void setMinpay_units(Double minpay_units) {
+        this.minpay_units = minpay_units;
+    }
+    
+}
diff --git a/src/test/java/no/finansportalen/freecalc/freecard/JsonResult.java b/src/test/java/no/finansportalen/freecalc/freecard/JsonResult.java
new file mode 100644
index 0000000..2c812d4
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freecard/JsonResult.java
@@ -0,0 +1,61 @@
+package no.finansportalen.freecalc.freecard;
+
+public class JsonResult {
+
+    int error = 0;
+    Double governmentEffectiveRate;
+    Double governmentMonthlyPayment;
+    Double effectiveRate;
+    Double monthlyPayment;
+    Double remainder;
+    
+    public int getError() {
+        return error;
+    }
+
+    public void setError(int error) {
+        this.error = error;
+    }
+
+    public Double getGovernmentEffectiveRate() {
+        return governmentEffectiveRate;
+    }
+    
+    public void setGovernmentEffectiveRate(Double governmentEffectiveRate) {
+        this.governmentEffectiveRate = governmentEffectiveRate;
+    }
+    
+    public Double getGovernmentMonthlyPayment() {
+        return governmentMonthlyPayment;
+    }
+    
+    public void setGovernmentMonthlyPayment(Double governmentMonthlyPayment) {
+        this.governmentMonthlyPayment = governmentMonthlyPayment;
+    }
+    
+    public Double getEffectiveRate() {
+        return effectiveRate;
+    }
+    
+    public void setEffectiveRate(Double effectiveRate) {
+        this.effectiveRate = effectiveRate;
+    }
+    
+    public Double getMonthlyPayment() {
+        return monthlyPayment;
+    }
+    
+    public void setMonthlyPayment(Double monthlyPayment) {
+        this.monthlyPayment = monthlyPayment;
+    }
+    
+    public Double getRemainder() {
+        return remainder;
+    }
+    
+    public void setRemainder(Double remainder) {
+        this.remainder = remainder;
+    }
+    
+    
+}
diff --git a/src/test/java/no/finansportalen/freecalc/freeloan/FreeLoanTest.java b/src/test/java/no/finansportalen/freecalc/freeloan/FreeLoanTest.java
new file mode 100644
index 0000000..97c5a2e
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freeloan/FreeLoanTest.java
@@ -0,0 +1,698 @@
+package no.finansportalen.freecalc.freeloan;
+
+import static org.junit.Assert.assertEquals;
+
+import java.util.ArrayList;
+import java.util.Iterator;
+
+import no.finansportalen.freecalc.FreeCalcTest;
+import no.finansportalen.freecalc.common.AnnuityLoanPeriod;
+import no.finansportalen.freecalc.common.SerialLoanPeriod;
+import no.finansportalen.freecalc.common.Utils;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoan;
+import no.finansportalen.freecalc.freeloan.calc.FreeLoanException;
+import no.finansportalen.freecalc.freeloan.calc.PriceStorageStep;
+import no.finansportalen.freecalc.freeloan.result.AnnuityLoanResult;
+import no.finansportalen.freecalc.freeloan.result.FreeLoanResult;
+import no.finansportalen.freecalc.freeloan.result.SerialLoanResult;
+
+import org.junit.Test;
+
+import com.google.gson.reflect.TypeToken;
+
+
+public class FreeLoanTest extends FreeCalcTest<JsonProduct, JsonResult> {
+    
+    public FreeLoanTest() {
+        super(new TypeToken<ArrayList<JsonProduct>>(){}, new TypeToken<ArrayList<JsonResult>>(){}, "freeloan", "boliglan_published.json");
+    }
+    
+    private FreeLoan prepareCalc(double received, double residual, Integer numberofperiods, Double firstPayment, int periods_per_year,
+            int interestonly_periods, boolean annuity_due, Utils.RoundDirection round_direction, boolean roundToInteger,
+            boolean remainder_handling, boolean ignore_origination, boolean rate_thresholds, boolean rate_segments,
+            Utils.Accuracy accuracy, JsonProduct product) {
+
+
+        // The number of capitalizations every year
+        int capitalization_freq = 12 / emptyToZero(product.getKap_periode());
+
+        // The price list in Finansportalen uses whole years. FreeLoan period lengths at your choice.
+        int interestonly_periods_max = emptyToZero(product.getMax_avdragsfrihet()) * 12;
+
+        // Processing fee - fixed
+        double fee_processing = emptyToZero(product.getEtableringsgebyr());
+
+        // Document fee - fixed
+        double fee_document = emptyToZero(product.getDepotgebyr());
+
+        // Origination fee as a percentage of the initial principal
+        double fee_percentage = 0;
+
+        // A periodic fee as a percentage of the inintial principal (the size of the loan facility)
+        double fee_period_perc = emptyToZero(product.getProvisjon());
+
+        /*
+         * The interest rate functions handle a rate ladder with as many steps/segments we wish. Every step has four
+         * elements: The minimum threshold for the step (lower limit), the maximum threshold, the periodical fee and the
+         * nominal interest rate in the segment.
+         * 
+         * In this test version, we use the current format of Finansportalen.no, that only allows a maximum of five
+         * interest rate segments.
+         * 
+         * We read these step data from the array 'boliglansmatrise', in the external file 'boliglandata.js', where we
+         * find them from element 11, and put them into the array 'priceStorage':
+         */
+
+        ArrayList<PriceStorageStep> price_storage = new ArrayList<PriceStorageStep>();
+
+        PriceStorageStep step1 = generateStep(product.getMin_belop_a(), product.getMax_belop_a(),
+                product.getTermingebyr_1_a(), product.getNominell_rente_1_a(), null);
+        price_storage.add(step1);
+
+        PriceStorageStep step2 = generateStep(product.getMin_belop_b(), product.getMax_belop_b(),
+                product.getTermingebyr_1_b(), product.getNominell_rente_1_b(), step1);
+        if (step2 != null) {
+            price_storage.add(step2);
+            PriceStorageStep step3 = generateStep(product.getMin_belop_c(), product.getMax_belop_c(),
+                    product.getTermingebyr_1_c(), product.getNominell_rente_1_c(), step2);
+            if (step3 != null) {
+                price_storage.add(step3);
+                PriceStorageStep step4 = generateStep(product.getMin_belop_d(), product.getMax_belop_d(),
+                        product.getTermingebyr_1_d(), product.getNominell_rente_1_d(), step3);
+                if (step4 != null) {
+                    price_storage.add(step4);
+                    PriceStorageStep step5 = generateStep(product.getMin_belop_e(), product.getMax_belop_e(),
+                            product.getTermingebyr_1_e(), product.getNominell_rente_1_e(), step4);
+                    if (step5 != null) {
+                        price_storage.add(step5);
+                    }
+                }
+            }
+        }
+
+        double principal;
+
+        if (!ignore_origination) {
+            principal = received + fee_processing + fee_document + fee_percentage * (received + fee_processing + fee_document);
+        } else {
+            principal = received;
+        }
+
+        // I the loan the user requests is not smaller than the lower limit for this loan
+        if (price_storage.get(0).getLowerLimit() <= principal) {
+
+            /*
+             * Even if the lowest allowed loan is for instance 500.000, the loan will still normally be paid down to a
+             * lower amount during the payment period. The minimum limt only applies to a new loan. But what interest
+             * rate applies then?
+             * 
+             * We presuppose that this is the same as the rate for the lowest segment. Consequently, for computation
+             * purposes, we adjust the lowest limit to zero:
+             */
+
+            if (price_storage.get(0).getLowerLimit() > 0) {
+                price_storage.get(0).setLowerLimit(0);
+            }
+
+            FreeLoan calc = new FreeLoan();
+            calc.setReceived(received);
+            calc.setNumberOfPeriods(numberofperiods);
+            calc.setFirstPayment(firstPayment);
+            calc.setPeriodsPerYear(periods_per_year);
+            calc.setBalloon(residual);
+            calc.setInterestonlyPeriods(interestonly_periods);
+            calc.setRoundDirection(round_direction);
+            calc.setRoundToInteger(roundToInteger);
+            calc.setIgnoreRemainder(remainder_handling);
+            calc.setIgnoreOrigination(ignore_origination);
+            calc.setAnnuityDue(annuity_due);
+            calc.setCapitalizationFreq(capitalization_freq);
+            calc.setInterestonlyPeriodsMax(interestonly_periods_max);
+            calc.setFeeProcessing(fee_processing);
+            calc.setFeeDocument(fee_document);
+            calc.setFeePercentage(fee_percentage);
+            calc.setFeePeriodPerc(fee_period_perc);
+            calc.setRateThresholds(rate_thresholds);
+            calc.setRateSegments(rate_segments);
+            calc.setPriceStorage(price_storage);
+            calc.setAccuracy(accuracy);
+            return calc;
+
+        } else {
+            return null;
+        }
+    }
+    
+    
+    
+    private FreeLoanResultWrapper<AnnuityLoanResult> getAnnuityResult(double received, double residual, Integer numberofperiods, Double firstPayment, int periods_per_year,
+            int interestonly_periods, boolean annuity_due, Utils.RoundDirection round_direction,
+            boolean roundToInteger, boolean remainder_handling, boolean ignore_origination, boolean rate_thresholds, boolean rate_segments, Utils.Accuracy accuracy, JsonProduct product) {
+        
+        FreeLoan calc = prepareCalc(received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, roundToInteger,
+                remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy, product);
+        
+        if(calc != null) {
+            try {
+                return new FreeLoanResultWrapper<AnnuityLoanResult>(calc.annuityLoan());
+            } catch(FreeLoanException e) {
+                return new FreeLoanResultWrapper<AnnuityLoanResult>(e.getErrNum());
+            }
+        } else {
+            return null;
+        }
+        
+    }
+    
+    
+    private FreeLoanResultWrapper<SerialLoanResult> getSerialResult(double received, double residual, Integer numberofperiods, Double firstPayment, int periods_per_year,
+            int interestonly_periods, boolean annuity_due, Utils.RoundDirection round_direction,
+            boolean roundToInteger, boolean remainder_handling, boolean ignore_origination, boolean rate_thresholds, boolean rate_segments, Utils.Accuracy accuracy, JsonProduct product) {
+        
+        FreeLoan calc = prepareCalc(received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, roundToInteger,
+                remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy, product);
+        
+        if(calc != null) {
+            try {
+                return new FreeLoanResultWrapper<SerialLoanResult>(calc.serialLoan());
+            } catch(FreeLoanException e) {
+                return new FreeLoanResultWrapper<SerialLoanResult>(e.getErrNum());
+            }
+        } else {
+            return null;
+        }
+        
+    }
+    
+    
+    @Test
+    public void testSerialBulk1()
+    {
+        
+        // DATA FROM USER:
+        double received = 1500000;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 0;         // Part of the loan paid back in the last period (Residue / balloon)
+        int numberofperiods = 240;       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = null;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 12;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 0; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = false;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.NORMAL;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = false;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = false;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = false;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processSerialBulkTest("serialLoanJSResults.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+        
+    }
+    
+    
+    
+    
+    @Test
+    public void testSerialBulk2()
+    {
+        
+        // DATA FROM USER:
+        double received = 89967890;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 50;         // Part of the loan paid back in the last period (Residue / balloon)
+        int numberofperiods = 45;      // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = null;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 10;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 2; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = true;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.UP;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = true;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = true;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = true;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.EXTREMELY_ACCURATE;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processSerialBulkTest("serialLoanJSResultsDiffParams1.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+    
+    
+    @Test
+    public void testSerialBulk3()
+    {
+        
+        // DATA FROM USER:
+        double received = 9000;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 20;         // Part of the loan paid back in the last period (Residue / balloon)
+        int numberofperiods = 3;       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = null;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 12;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 1; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = true;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.DOWN;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = false;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = true;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = false;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = true;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processSerialBulkTest("serialLoanJSResultsDiffParams2.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+    
+    
+    
+    @Test
+    public void testSerialBulk4()
+    {
+        
+        // DATA FROM USER:
+        double received = 1555555;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 1000;         // Part of the loan paid back in the last period (Residue / balloon)
+        Integer numberofperiods = null;       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = 60000.0;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 12;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 0; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = false;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.NORMAL;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = false;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = false;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = false;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processSerialBulkTest("serialLoanJSResultsDiffParams3.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+        
+    }
+    
+    
+    @Test
+    public void testSerialBulk5()
+    {
+        
+        // DATA FROM USER:
+        double received = 89967890;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 50;         // Part of the loan paid back in the last period (Residue / balloon)
+        Integer numberofperiods = null;      // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = 500000.0;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 10;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 2; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = true;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.UP;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = true;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = true;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = true;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.EXTREMELY_ACCURATE;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processSerialBulkTest("serialLoanJSResultsDiffParams4.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+        
+    }
+
+    
+    private void processSerialBulkTest(String filename, double received, double residual, Integer numberofperiods, Double firstPayment, int periods_per_year,
+            int interestonly_periods, boolean annuity_due, Utils.RoundDirection round_direction,
+            boolean roundToInteger, boolean remainder_handling, boolean ignore_origination, boolean rate_thresholds, boolean rate_segments, Utils.Accuracy accuracy) {
+        
+        ArrayList<FreeLoanResultWrapper<SerialLoanResult>> results = new ArrayList<FreeLoanResultWrapper<SerialLoanResult>>();
+        
+        for(JsonProduct product : products) {
+            FreeLoanResultWrapper<SerialLoanResult> result = getSerialResult(received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, roundToInteger, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy, product);
+            if(result != null) {
+                results.add(result);
+            }
+            
+        }
+        
+        ArrayList<JsonResult> expectedResults = getExpectedResults(filename);
+        
+        
+        compareSerialResults(results, expectedResults);
+        
+    }
+
+    private void compareSerialResults(ArrayList<FreeLoanResultWrapper<SerialLoanResult>> results, ArrayList<JsonResult> expectedResults) {
+        
+        assertEquals(expectedResults.size(), results.size());
+        Iterator<FreeLoanResultWrapper<SerialLoanResult>> resultsIt = results.iterator();
+        Iterator<JsonResult> expectedResultsIt = expectedResults.iterator();
+        while(resultsIt.hasNext() && expectedResultsIt.hasNext()) {
+            FreeLoanResultWrapper<SerialLoanResult> resultWrapper = resultsIt.next();
+            JsonResult expectedResult = expectedResultsIt.next();
+            
+            assertEquals(expectedResult.error, resultWrapper.getError());
+            
+            if(expectedResult.error == 0) {
+                SerialLoanResult result = resultWrapper.getResult();
+                assertEquals(expectedResult.getEffectiveInterestRate(), result.getEffectiveInterestRate(), 0.00000001);
+                assertEquals(expectedResult.getPaybackPeriodCount(), result.getPaybackPeriodCount(), 0.00000001);
+                assertEquals(removeIterations(expectedResult.getResitude()), result.getRemainder(), 0.000001);
+                assertEquals(expectedResult.getPeriods().length, result.getPeriods().length);
+                for(int i = 1; i < expectedResult.getPeriods().length; i++) {
+                    SerialLoanPeriod period = result.getPeriods()[i];
+                    JsonResultPeriod expectedPeriod = expectedResult.getPeriods()[i];
+                    assertEquals(expectedPeriod.getSerFee(), period.getPeriodicFee(), 0.0001);
+                    assertEquals(expectedPeriod.getSerInstallment(), period.getInstallment(), 0.0001);
+                    assertEquals(expectedPeriod.getSerPayment(), period.getPayment(), 0.0001);
+                }
+            }
+        }
+    }
+    
+    
+    /**
+     * Removes iterations and slash from JSON input string residue
+     */
+    private double removeIterations(String withIterations) {
+        return Double.parseDouble(withIterations.replaceFirst(" / .*", ""));
+    }
+    
+    
+    @Test
+    public void testAnnuityBulk1()
+    {
+        
+        // DATA FROM USER:
+        double received = 1500000;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 0;         // Part of the loan paid back in the last period (Residue / balloon)
+        Integer numberofperiods = 240;       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = null;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 12;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 0; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = false;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.NORMAL;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = false;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = false;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = false;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processAnnuityBulkTest("annuityLoanJSResults.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+    
+    
+    
+    @Test
+    public void testAnnuityBulk2()
+    {
+        
+        // DATA FROM USER:
+        double received = 4500000;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 200;         // Part of the loan paid back in the last period (Residue / balloon)
+        int numberofperiods = 240;      // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = null;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 24;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 2; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = false;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.UP;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = true;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = false;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = true;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = true;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+
+        processAnnuityBulkTest("annuityLoanJSResultsDiffParams1.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+    
+    
+    
+    
+    @Test
+    public void testAnnuityBulk3()
+    {
+        
+        // DATA FROM USER:
+        double received = 7900000;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 60;         // Part of the loan paid back in the last period (Residue / balloon)
+        int numberofperiods = 125;     // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = null;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 12;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 5; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = false;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.DOWN;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = true;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = true;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = true;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = false;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = true;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+
+        processAnnuityBulkTest("annuityLoanJSResultsDiffParams2.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+    
+    @Test
+    public void testAnnuityBulk4()
+    {
+        
+        // DATA FROM USER:
+        double received = 1500000;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 0;         // Part of the loan paid back in the last period (Residue / balloon)
+        Integer numberofperiods = null;       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = 50000.0;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 12;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 0; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = false;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.NORMAL;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = false;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = false;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = false;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = false;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processAnnuityBulkTest("annuityLoanJSResultsDiffParams3.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+    
+    
+    @Test
+    public void testAnnuityBulk5()
+    {
+        
+        // DATA FROM USER:
+        double received = 7568254;          // The net amount actually received by the borrower (Loan amount)
+        double residual = 6000;         // Part of the loan paid back in the last period (Residue / balloon)
+        Integer numberofperiods = null;       // PERIOD MODE: Either this first payment or 'numberofperiods' is obligatory. with 'firstpayment' != null, the number of periods are computed*)
+        Double firstPayment = 120000.0;     // PAYMENT MODE: Either this loan time or 'firstpayment" is obligatory. With 'numberofperiods' > 0, the periodical payments (annuities) are computed.
+        int periods_per_year = 24;     // How many peyment periods per year? (Payments per year)
+        int interestonly_periods = 3; // Number of initial periods when only interest is paid (Interest-only periods)
+
+        // In this test module, the user can decide the rounding rules. But normally, these must be filled in by the banks:
+
+        boolean annuity_due = true;// 0: Annuity immediate. 1: Annuity due (Correspondingly for serial loans)(Immediate / due)
+        
+        Utils.RoundDirection round_direction = Utils.RoundDirection.NORMAL;        // 0: Rounded according to normal rules. 1: Rounded up 2. Rounded down (Rounding direction)
+        boolean round_presision = true;       // 0: Rounded to nearest cend. 1: Rounded to nearest whole currency unit (Rounding precision)
+        boolean remainder_handling = true;        // 0: Remainder paid/renumerated with the last payment. 1: Remainder ignored (Placement of remainder)
+        boolean ignore_origination = true;        // 0: No. Orgination fees are included (as they should) 1: Yes. Ignore the fees (Treatment of origination fees)
+
+
+        boolean rate_thresholds = true;      // 0: Rate never changes 1: Rate changes at certain thresholds. (Rate can change during the loan period?)
+        boolean rate_segments = false;        // 0: Different rates cannot run concurrently in different segments 1: They can (Parallell loan segments with separate rates? )
+
+        Utils.Accuracy accuracy = Utils.Accuracy.NORMAL;            // FOR ADMINISTRATOR 0: Fast, inaccurate 1: Normal 2: Extremely accurate (FOR ADMINISTRATOR: Accuracy for serial loans)
+        
+        
+        processAnnuityBulkTest("annuityLoanJSResultsDiffParams4.json", received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, round_presision, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy);
+    }
+
+    
+    private void processAnnuityBulkTest(String filename, double received, double residual, Integer numberofperiods, Double firstPayment, int periods_per_year,
+            int interestonly_periods, boolean annuity_due, Utils.RoundDirection round_direction,
+            boolean roundToInteger, boolean remainder_handling, boolean ignore_origination, boolean rate_thresholds, boolean rate_segments, Utils.Accuracy accuracy) {
+        
+        ArrayList<FreeLoanResultWrapper<AnnuityLoanResult>> results = new ArrayList<FreeLoanResultWrapper<AnnuityLoanResult>>();
+        
+        for(JsonProduct product : products) {
+            FreeLoanResultWrapper<AnnuityLoanResult> result = getAnnuityResult(received, residual, numberofperiods, firstPayment, periods_per_year, interestonly_periods, annuity_due, round_direction, roundToInteger, remainder_handling, ignore_origination, rate_thresholds, rate_segments, accuracy, product);
+            if(result != null) {
+                results.add(result); 
+            }
+        }
+        
+        
+        ArrayList<JsonResult> expectedResults = getExpectedResults(filename);
+        
+        compareAnnuityResults(results, expectedResults);
+        
+    }
+
+
+    private void compareAnnuityResults(ArrayList<FreeLoanResultWrapper<AnnuityLoanResult>> results, ArrayList<JsonResult> expectedResults) {
+        assertEquals(expectedResults.size(), results.size());
+        Iterator<FreeLoanResultWrapper<AnnuityLoanResult>> resultsIt = results.iterator();
+        Iterator<JsonResult> expectedResultsIt = expectedResults.iterator();
+        while(resultsIt.hasNext() && expectedResultsIt.hasNext()) {
+            FreeLoanResultWrapper<AnnuityLoanResult> resultWrapper = resultsIt.next();
+            JsonResult expectedResult = expectedResultsIt.next();
+            
+            assertEquals(expectedResult.error, resultWrapper.getError());
+            
+            if(expectedResult.error == 0) {
+                AnnuityLoanResult result = resultWrapper.getResult();
+                assertEquals(expectedResult.getEffectiveInterestRate(), result.getEffectiveInterestRate(), 0.00000001);
+                assertEquals(expectedResult.getPaybackPeriodCount(), result.getPaybackPeriodCount(), 0.00000001);
+                assertEquals(removeIterations(expectedResult.getResitude()), result.getResidue(), 0.0000001);
+                if(!(result.getPeriods() == null && expectedResult.getPeriods() == null)) {
+                    assertEquals(expectedResult.getPeriods().length, result.getPeriods().length);
+                    for(int i = 1; i < expectedResult.getPeriods().length; i++) {
+                        
+                        AnnuityLoanPeriod period = result.getPeriods()[i];
+                        JsonResultPeriod expectedPeriod = expectedResult.getPeriods()[i];
+                        if(!(period == null && expectedPeriod == null)) {
+                            assertEquals(expectedPeriod.getAnnLowerSegmentLimit(), period.getLowerSegmentLimit(), 0.0001);
+                            assertEquals(expectedPeriod.getAnnUpperSegmentLimit(), period.getUpperSegmentLimit(), 0.0001);
+                            assertEquals(expectedPeriod.getAnnPayment(), period.getPayment(), 0.0001);
+                            assertEquals(expectedPeriod.getAnnRemainder(), period.getRemainder(), 0.0001);
+                            assertEquals(expectedPeriod.getAnnPeriodicFee(), period.getPeriodicFee(), 0.0001);
+                            assertEquals(expectedPeriod.getAnnNumberOfTerms(), period.getNumberOfTerms(), 0.0001);
+                        }
+                    }
+                }
+            }
+        }
+    }
+    
+    
+    private static int emptyToZero(Integer number) {
+        return number == null ? 0 : number;
+    }
+    
+    private static double emptyToZero(Double number) {
+        return number == null ? 0 : number;
+    }
+    
+    
+    private static PriceStorageStep generateStep(Double minBelop, Double maxBelop, int termingebyr, Double nominellRente, PriceStorageStep prevStep) {
+        // If there is an interest rate for the segment
+        if (nominellRente != null) {
+
+            PriceStorageStep step = new PriceStorageStep();
+            
+            // Minimum limit for the segment
+            step.setLowerLimit(minBelop);
+
+            if (maxBelop != null) {
+                // Maximum limit for the segment
+                step.setUpperLimit(maxBelop);
+            }
+
+            // Periodic fee in the segment
+            step.setPeriodicalFee(termingebyr);
+            
+            // Nominal interest rate in the segment
+            step.setAnnualInterest(nominellRente);
+
+            /*
+             * DIRTY TRICK: ADJUSTMENT OF ADJACENT INTERVALS: In Finansportalen, the tradition dictates that interes
+             * rate segments are reported with a gap between them. Segment one might be the interval 0 - 999.999 and the
+             * next 1.000.000 - 1.999.999. The gap will produce a small error when computing the interest rate. Hence,
+             * we "correct" the upper limt to the lower loimt in the next segment:
+             */
+
+            if (prevStep != null && (prevStep.getUpperLimit() != Double.MAX_VALUE || minBelop != 0)) {
+                prevStep.setUpperLimit(minBelop);
+            }
+
+            return step;
+        }
+
+        return null;
+    }
+    
+    
+    public static class FreeLoanResultWrapper<T extends FreeLoanResult<?>> {
+        T result = null;
+        int error = 0;
+        
+        public FreeLoanResultWrapper(T result) {
+            this.result = result;
+        }
+        
+        public FreeLoanResultWrapper(int error) {
+            this.error = error;
+        }
+
+        public T getResult() {
+            return result;
+        }
+
+        public int getError() {
+            return error;
+        }
+    }
+    
+
+}
diff --git a/src/test/java/no/finansportalen/freecalc/freeloan/JsonProduct.java b/src/test/java/no/finansportalen/freecalc/freeloan/JsonProduct.java
new file mode 100644
index 0000000..baf528a
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freeloan/JsonProduct.java
@@ -0,0 +1,240 @@
+package no.finansportalen.freecalc.freeloan;
+
+public class JsonProduct {
+
+    private String navn;
+    private Integer kap_periode;
+    private Integer max_avdragsfrihet;
+    private Double etableringsgebyr;
+    private Double depotgebyr;
+    private Double provisjon;
+    private Double min_belop_a;
+    private Double max_belop_a;
+    private Double min_belop_b;
+    private Double max_belop_b;
+    private Double min_belop_c;
+    private Double max_belop_c;
+    private Double min_belop_d;
+    private Double max_belop_d;
+    private Double min_belop_e;
+    private Double max_belop_e;
+    private int termingebyr_1_a;
+    private int termingebyr_1_b;
+    private int termingebyr_1_c;
+    private int termingebyr_1_d;
+    private int termingebyr_1_e;
+    private Double nominell_rente_1_a;
+    private Double nominell_rente_1_b;
+    private Double nominell_rente_1_c;
+    private Double nominell_rente_1_d;
+    private Double nominell_rente_1_e;
+
+    public String getNavn() {
+        return navn;
+    }
+
+    public void setNavn(String navn) {
+        this.navn = navn;
+    }
+
+    public Integer getKap_periode() {
+        return kap_periode;
+    }
+
+    public void setKap_periode(Integer kap_periode) {
+        this.kap_periode = kap_periode;
+    }
+
+    public Integer getMax_avdragsfrihet() {
+        return max_avdragsfrihet;
+    }
+
+    public void setMax_avdragsfrihet(Integer max_avdragsfrihet) {
+        this.max_avdragsfrihet = max_avdragsfrihet;
+    }
+
+    public Double getEtableringsgebyr() {
+        return etableringsgebyr;
+    }
+
+    public void setEtableringsgebyr(Double etableringsgebyr) {
+        this.etableringsgebyr = etableringsgebyr;
+    }
+
+    public Double getDepotgebyr() {
+        return depotgebyr;
+    }
+
+    public void setDepotgebyr(Double depotgebyr) {
+        this.depotgebyr = depotgebyr;
+    }
+
+    public Double getProvisjon() {
+        return provisjon;
+    }
+
+    public void setProvisjon(Double provisjon) {
+        this.provisjon = provisjon;
+    }
+
+    public Double getMin_belop_a() {
+        return min_belop_a;
+    }
+
+    public void setMin_belop_a(Double min_belop_a) {
+        this.min_belop_a = min_belop_a;
+    }
+
+    public Double getMax_belop_a() {
+        return max_belop_a;
+    }
+
+    public void setMax_belop_a(Double max_belop_a) {
+        this.max_belop_a = max_belop_a;
+    }
+
+    public Double getMin_belop_b() {
+        return min_belop_b;
+    }
+
+    public void setMin_belop_b(Double min_belop_b) {
+        this.min_belop_b = min_belop_b;
+    }
+
+    public Double getMax_belop_b() {
+        return max_belop_b;
+    }
+
+    public void setMax_belop_b(Double max_belop_b) {
+        this.max_belop_b = max_belop_b;
+    }
+
+    public Double getMin_belop_c() {
+        return min_belop_c;
+    }
+
+    public void setMin_belop_c(Double min_belop_c) {
+        this.min_belop_c = min_belop_c;
+    }
+
+    public Double getMax_belop_c() {
+        return max_belop_c;
+    }
+
+    public void setMax_belop_c(Double max_belop_c) {
+        this.max_belop_c = max_belop_c;
+    }
+
+    public Double getMin_belop_d() {
+        return min_belop_d;
+    }
+
+    public void setMin_belop_d(Double min_belop_d) {
+        this.min_belop_d = min_belop_d;
+    }
+
+    public Double getMax_belop_d() {
+        return max_belop_d;
+    }
+
+    public void setMax_belop_d(Double max_belop_d) {
+        this.max_belop_d = max_belop_d;
+    }
+
+    public Double getMin_belop_e() {
+        return min_belop_e;
+    }
+
+    public void setMin_belop_e(Double min_belop_e) {
+        this.min_belop_e = min_belop_e;
+    }
+
+    public Double getMax_belop_e() {
+        return max_belop_e;
+    }
+
+    public void setMax_belop_e(Double max_belop_e) {
+        this.max_belop_e = max_belop_e;
+    }
+
+    public int getTermingebyr_1_a() {
+        return termingebyr_1_a;
+    }
+
+    public void setTermingebyr_1_a(int termingebyr_1_a) {
+        this.termingebyr_1_a = termingebyr_1_a;
+    }
+
+    public int getTermingebyr_1_b() {
+        return termingebyr_1_b;
+    }
+
+    public void setTermingebyr_1_b(int termingebyr_1_b) {
+        this.termingebyr_1_b = termingebyr_1_b;
+    }
+
+    public int getTermingebyr_1_c() {
+        return termingebyr_1_c;
+    }
+
+    public void setTermingebyr_1_c(int termingebyr_1_c) {
+        this.termingebyr_1_c = termingebyr_1_c;
+    }
+
+    public int getTermingebyr_1_d() {
+        return termingebyr_1_d;
+    }
+
+    public void setTermingebyr_1_d(int termingebyr_1_d) {
+        this.termingebyr_1_d = termingebyr_1_d;
+    }
+
+    public int getTermingebyr_1_e() {
+        return termingebyr_1_e;
+    }
+
+    public void setTermingebyr_1_e(int termingebyr_1_e) {
+        this.termingebyr_1_e = termingebyr_1_e;
+    }
+
+    public Double getNominell_rente_1_a() {
+        return nominell_rente_1_a;
+    }
+
+    public void setNominell_rente_1_a(Double nominell_rente_1_a) {
+        this.nominell_rente_1_a = nominell_rente_1_a;
+    }
+
+    public Double getNominell_rente_1_b() {
+        return nominell_rente_1_b;
+    }
+
+    public void setNominell_rente_1_b(Double nominell_rente_1_b) {
+        this.nominell_rente_1_b = nominell_rente_1_b;
+    }
+
+    public Double getNominell_rente_1_c() {
+        return nominell_rente_1_c;
+    }
+
+    public void setNominell_rente_1_c(Double nominell_rente_1_c) {
+        this.nominell_rente_1_c = nominell_rente_1_c;
+    }
+
+    public Double getNominell_rente_1_d() {
+        return nominell_rente_1_d;
+    }
+
+    public void setNominell_rente_1_d(Double nominell_rente_1_d) {
+        this.nominell_rente_1_d = nominell_rente_1_d;
+    }
+
+    public Double getNominell_rente_1_e() {
+        return nominell_rente_1_e;
+    }
+
+    public void setNominell_rente_1_e(Double nominell_rente_1_e) {
+        this.nominell_rente_1_e = nominell_rente_1_e;
+    }
+
+}
\ No newline at end of file
diff --git a/src/test/java/no/finansportalen/freecalc/freeloan/JsonResult.java b/src/test/java/no/finansportalen/freecalc/freeloan/JsonResult.java
new file mode 100644
index 0000000..1a0945f
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freeloan/JsonResult.java
@@ -0,0 +1,70 @@
+package no.finansportalen.freecalc.freeloan;
+
+
+public class JsonResult {
+
+    public JsonResult() {
+    }
+
+    public JsonResult(int error) {
+        this.error = error;
+    }
+
+    int error = 0;
+
+    /**
+     * Effective annual interest rate
+     */
+    private double effectiveInterestRate;
+
+    /**
+     * What is left of the loan in the last term due to rounding
+     */
+    private String resitude;
+    
+    
+    /**
+     * Number of periods for payback
+     */
+    private double paybackPeriodCount;
+
+    private JsonResultPeriod[] periods;
+
+    
+    
+    
+    public double getEffectiveInterestRate() {
+        return effectiveInterestRate;
+    }
+
+    public void setEffectiveInterestRate(double effectiveInterestRate) {
+        this.effectiveInterestRate = effectiveInterestRate;
+    }
+
+    public String getResitude() {
+        return resitude;
+    }
+
+    public void setResitude(String resitude) {
+        this.resitude = resitude;
+    }
+
+    public JsonResultPeriod[] getPeriods() {
+        return periods;
+    }
+
+    public void setPeriods(JsonResultPeriod[] periods) {
+        this.periods = periods;
+    }
+
+    public double getPaybackPeriodCount() {
+        return paybackPeriodCount;
+    }
+
+    public void setPaybackPeriodCount(double paybackPeriodCount) {
+        this.paybackPeriodCount = paybackPeriodCount;
+    }
+    
+    
+
+}
\ No newline at end of file
diff --git a/src/test/java/no/finansportalen/freecalc/freeloan/JsonResultPeriod.java b/src/test/java/no/finansportalen/freecalc/freeloan/JsonResultPeriod.java
new file mode 100644
index 0000000..75837b5
--- /dev/null
+++ b/src/test/java/no/finansportalen/freecalc/freeloan/JsonResultPeriod.java
@@ -0,0 +1,139 @@
+package no.finansportalen.freecalc.freeloan;
+
+public class JsonResultPeriod {
+
+    public JsonResultPeriod() {
+    }
+
+    public JsonResultPeriod(int error) {
+        this.error = error;
+    }
+
+    int error = 0;
+
+    
+    
+    // for AnnuityLoan
+
+    /**
+     * Net periodic payment, exclusive of fees, rounded
+     */
+    private double annPayment;
+
+    /**
+     * number of terms; The number of periodic payments it takes to pay down this segment of the loan
+     */
+    private double annNumberOfTerms;
+
+    /**
+     * periodic fee Practical to have here
+     */
+    private double annPeriodicFee;
+
+    /**
+     * adjusted lower segment limit Since the number of periods must be and integer, you rarely hit the segment limit
+     * accurately. The next segments limits must be adjusted accordingly.
+     */
+    private double annLowerSegmentLimit;
+    /**
+     * upper segment limit Normally the same as 'priceStorage[step][2]', but could also be adjusted
+     */
+    private double annUpperSegmentLimit;
+
+    /**
+     * Fractions of cents we pay to little or too much each time due to rounding
+     */
+    private double annRemainder;// ;
+
+    
+    
+    // for SerialLoan
+
+    /**
+     * The whole rounded payment for period 'i', included installment and fees.
+     */
+    private double serPayment;
+
+    /**
+     * The installment for period 'i'
+     */
+    private double serInstallment;
+
+    /**
+     * The fee for period 'i'
+     */
+    private double serFee;
+
+    public double getAnnPayment() {
+        return annPayment;
+    }
+
+    public void setAnnPayment(double annPayment) {
+        this.annPayment = annPayment;
+    }
+
+    public double getAnnNumberOfTerms() {
+        return annNumberOfTerms;
+    }
+
+    public void setAnnNumberOfTerms(double annNumberOfTerms) {
+        this.annNumberOfTerms = annNumberOfTerms;
+    }
+
+    public double getAnnPeriodicFee() {
+        return annPeriodicFee;
+    }
+
+    public void setAnnPeriodicFee(double annPeriodicFee) {
+        this.annPeriodicFee = annPeriodicFee;
+    }
+
+    public double getAnnLowerSegmentLimit() {
+        return annLowerSegmentLimit;
+    }
+
+    public void setAnnLowerSegmentLimit(double annLowerSegmentLimit) {
+        this.annLowerSegmentLimit = annLowerSegmentLimit;
+    }
+
+    public double getAnnUpperSegmentLimit() {
+        return annUpperSegmentLimit;
+    }
+
+    public void setAnnUpperSegmentLimit(double annUpperSegmentLimit) {
+        this.annUpperSegmentLimit = annUpperSegmentLimit;
+    }
+
+    public double getAnnRemainder() {
+        return annRemainder;
+    }
+
+    public void setAnnRemainder(double annRemainder) {
+        this.annRemainder = annRemainder;
+    }
+
+    public double getSerPayment() {
+        return serPayment;
+    }
+
+    public void setSerPayment(double serPayment) {
+        this.serPayment = serPayment;
+    }
+
+    public double getSerInstallment() {
+        return serInstallment;
+    }
+
+    public void setSerInstallment(double serInstallment) {
+        this.serInstallment = serInstallment;
+    }
+
+    public double getSerFee() {
+        return serFee;
+    }
+
+    public void setSerFee(double serFee) {
+        this.serFee = serFee;
+    }
+
+}
diff --git a/src/test/resources/freecard/creditcarddata.json b/src/test/resources/freecard/creditcarddata.json
new file mode 100644
index 0000000..4d8b180
--- /dev/null
+++ b/src/test/resources/freecard/creditcarddata.json
@@ -0,0 +1,7856 @@
+[
+    {
+        "issuer": "Pareto Bank ASA",
+        "cardname": "Mastercard Platinum",
+        "an_ff": 0,
+        "an_pf": 0,
+        "nom_rate_purc": 1.8,
+        "rateperiod_purc": "mnd",
+        "interestfree_days": 45,
+        "pe_ff": 0,
+        "cw_hb_bh_ff": 35,
+        "cw_hb_oh_ff": 35,
+        "cw_ob_bh_ff": 35,
+        "cw_ob_oh_ff": 35,
+        "cw_do_pf": 1,
+        "cw_eu_pf": 1,
+        "cw_eu_ff": 35,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 2.5,
+        "minpay_units": 250
+    },
+    {
+        "issuer": "GE Money Bank NUF",
+        "cardname": "MasterCard",
+        "an_ff": 0,
+        "an_pf": 0,
+        "nom_rate_purc": 19.8,
+        "rateperiod_purc": "aar",
+        "interestfree_days": 45,
+        "pe_ff": 0,
+        "cw_hb_bh_ff": 0,
+        "cw_hb_oh_ff": 0,
+        "cw_ob_bh_ff": 0,
+        "cw_ob_oh_ff": 0,
+        "cw_do_pf": 0,
+        "cw_eu_pf": 0,
+        "cw_eu_ff": 0,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 3,
+        "minpay_units": 250
+    },
+    {
+        "issuer": "Santander Red (Santander Consumer Bank AS)",
+        "cardname": "Santander Red",
+        "an_ff": 0,
+        "an_pf": 0,
+        "nom_rate_purc": 14.89,
+        "rateperiod_purc": "aar",
+        "interestfree_days": 50,
+        "pe_ff": 0,
+        "cw_hb_bh_ff": 30,
+        "cw_hb_oh_ff": 30,
+        "cw_ob_bh_ff": 30,
+        "cw_ob_oh_ff": 30,
+        "cw_do_pf": 1,
+        "cw_eu_pf": 1,
+        "cw_eu_ff": 30,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 3,
+        "minpay_units": 300
+    },
+    {
+        "issuer": "Sparebank 1 Nordvest",
+        "cardname": "SpareBank 1 Visa Gold",
+        "an_ff": 0,
+        "an_pf": 0,
+        "nom_rate_purc": 21.62,
+        "rateperiod_purc": "aar",
+        "interestfree_days": 45,
+        "pe_ff": 35,
+        "cw_hb_bh_ff": 35,
+        "cw_hb_oh_ff": 35,
+        "cw_ob_bh_ff": 35,
+        "cw_ob_oh_ff": 35,
+        "cw_do_pf": 1,
+        "cw_eu_pf": 1,
+        "cw_eu_ff": 35,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 2.5,
+        "minpay_units": 250
+    },
+    {
+        "issuer": "Flexi Visa (Santander Consumer Bank AS)",
+        "cardname": "Flexi Visa",
+        "an_ff": 0,
+        "an_pf": 0,
+        "nom_rate_purc": 21.5,
+        "rateperiod_purc": "aar",
+        "interestfree_days": 50,
+        "pe_ff": 0,
+        "cw_hb_bh_ff": 40,
+        "cw_hb_oh_ff": 40,
+        "cw_ob_bh_ff": 40,
+        "cw_ob_oh_ff": 40,
+        "cw_do_pf": 1,
+        "cw_eu_pf": 1,
+        "cw_eu_ff": 40,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 3,
+        "minpay_units": 300
+    },
+    {
+        "issuer": "Sparebank 1 Nordvest",
+        "cardname": "Mastercard/Visa",
+        "an_ff": 0,
+        "an_pf": 0,
+        "nom_rate_purc": 21.62,
+        "rateperiod_purc": "aar",
+        "interestfree_days": 45,
+        "pe_ff": 35,
+        "cw_hb_bh_ff": 35,
+        "cw_hb_oh_ff": 35,
+        "cw_ob_bh_ff": 35,
+        "cw_ob_oh_ff": 35,
+        "cw_do_pf": 1,
+        "cw_eu_pf": 1,
+        "cw_eu_ff": 35,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 2.5,
+        "minpay_units": 250
+    },
+    {
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+    },
+    {
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+    },
+    {
+        "issuer": "Nordea (Nordea Bank Norge ASA)",
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+        "pu_eu_ff": 0,
+        "minpay_perc": 3,
+        "minpay_units": 250
+    },
+    {
+        "issuer": "Nordea (Nordea Bank Norge ASA)",
+        "cardname": "Visa Gold",
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+        "an_pf": 0,
+        "nom_rate_purc": 19,
+        "rateperiod_purc": "aar",
+        "interestfree_days": 45,
+        "pe_ff": 0,
+        "cw_hb_bh_ff": 0,
+        "cw_hb_oh_ff": 0,
+        "cw_ob_bh_ff": 0,
+        "cw_ob_oh_ff": 0,
+        "cw_do_pf": 1.5,
+        "cw_eu_pf": 1.5,
+        "cw_eu_ff": 0,
+        "ex_eu_pf": 1.75,
+        "pu_do_ff": 0,
+        "pu_eu_ff": 0,
+        "minpay_perc": 3,
+        "minpay_units": 250
+    }
+]
\ No newline at end of file
diff --git a/src/test/resources/freecard/testCase1Results.json b/src/test/resources/freecard/testCase1Results.json
new file mode 100644
index 0000000..56d8305
--- /dev/null
+++ b/src/test/resources/freecard/testCase1Results.json
@@ -0,0 +1,2501 @@
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\ No newline at end of file
diff --git a/src/test/resources/freecard/testCase2Results.json b/src/test/resources/freecard/testCase2Results.json
new file mode 100644
index 0000000..6a6e6b9
--- /dev/null
+++ b/src/test/resources/freecard/testCase2Results.json
@@ -0,0 +1,2501 @@
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\ No newline at end of file
diff --git a/src/test/resources/freecard/testCase3Results.json b/src/test/resources/freecard/testCase3Results.json
new file mode 100644
index 0000000..022eddb
--- /dev/null
+++ b/src/test/resources/freecard/testCase3Results.json
@@ -0,0 +1,2501 @@
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\ No newline at end of file
diff --git a/src/test/resources/freecard/testCase4Results.json b/src/test/resources/freecard/testCase4Results.json
new file mode 100644
index 0000000..3e5cff8
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diff --git a/src/test/resources/freeloan/annuityLoanJSResults.json b/src/test/resources/freeloan/annuityLoanJSResults.json
new file mode 100644
index 0000000..58ce9b4
--- /dev/null
+++ b/src/test/resources/freeloan/annuityLoanJSResults.json
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new file mode 100644
index 0000000..fba9ce6
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diff --git a/src/test/resources/freeloan/annuityLoanJSResultsDiffParams4.json b/src/test/resources/freeloan/annuityLoanJSResultsDiffParams4.json
new file mode 100644
index 0000000..535c9e0
--- /dev/null
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+{"error":0,"effectiveInterestRate":3.808252679055868,"resitude":"6000 / 4","paybackPeriodCount":72.99010090472125,"periods":[null,{"annPayment":119965,"annNumberOfTerms":6.00255877531463,"annPeriodicFee":35,"annLowerSegmentLimit":-1.1844335465913604e-9,"annUpperSegmentLimit":713794.3921218072,"annRemainder":-2.0372681319713593e-10},{"annPayment":119965,"annNumberOfTerms":6.014019660339537,"annPeriodicFee":35,"annLowerSegmentLimit":713794.3921218072,"annUpperSegmentLimit":1415271.5328902153,"annRemainder":1.3096723705530167e-10},{"annPayment":119965,"annNumberOfTerms":57.97352246906708,"annPeriodicFee":35,"annLowerSegmentLimit":1415271.5328902153,"annUpperSegmentLimit":7562254,"annRemainder":1.4551915228366852e-11},{"annPayment":26174,"annNumberOfTerms":1.5,"annPeriodicFee":35,"annLowerSegmentLimit":7562254,"annUpperSegmentLimit":7562254,"annRemainder":-0.45491666666566744}]},
+{"error":-1},
+{"error":-1}]
\ No newline at end of file
diff --git a/src/test/resources/freeloan/boliglan_published.json b/src/test/resources/freeloan/boliglan_published.json
new file mode 100644
index 0000000..b5c5bf9
--- /dev/null
+++ b/src/test/resources/freeloan/boliglan_published.json
@@ -0,0 +1 @@
+[{"navn":"Boliglån 75% flytende rente","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75% flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"25","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178287","student":false,"spesielle_betingelser":"Boliglån forutsetter at kundeforhold med bruks-/lønnskonto og lønnsinngang etableres i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178287},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakkeHref":"bank/produktpakke/178287","href":"bank/boliglan/159226","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"03.10.2012","published":true,"modified":"11.10.2012","modifier":"bks@holsparebank.no","oppfolging":false,"id":159226},{"navn":"Boliglån 80% flytende rente","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån 80% flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"3","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"25","nominell_rente_1_a":"4,60","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178287","student":false,"spesielle_betingelser":"Boliglån forutsetter at kundeforhold med bruks-/lønnskonto og lønnsinngang etableres i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178287},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakkeHref":"bank/produktpakke/178287","href":"bank/boliglan/159232","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"03.10.2012","published":true,"modified":"11.10.2012","modifier":"bks@holsparebank.no","oppfolging":false,"id":159232},{"navn":"Fleksilån - 70% - Fordel bank","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"950","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fleksilån - 70% - Fordel bank","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til kunder over hele landet.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Gjelder nye lån til Fordel bank kunder.\r\n\r\nFor å benytte deg av disse fordelene må du ha følgende produkter i Gjensidige Bank:\r\n\r\n- Aktiv brukskonto med bankkort \r\n- Minst ett spareprodukt (ikke krav om fast sparing\r\n- Lån (pantelån) eller kredittkort \r\n\r\nFor å søke om og få vurdert en lånesøknad i Gjensidige Bank, må du legge inn søknaden elektronisk fra www.gjensidige.no. Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. På grunn av stor pågang har vi dessverre noe ventetid på behandling av manuelle saker.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"70","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"70","min_belop_c":"2 000 000","termingebyr_1_c":"70","nominell_rente_1_a":"4,40","nominell_rente_1_b":"3,85","nominell_rente_1_c":"3,60","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"produktpakke":{"navn":"Fordel bank","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakke_arsgebyr":"0","href":"bank/produktpakke/173663","student":false,"spesielle_betingelser":"Fordelsprogrammet Fordel bank gir gunstige priser og vilkår, i tillegg til flere andre fordeler: Bedre rente på Sparekonto og Brukskonto. Gunstigere rente på bolig- og billån. FORDEL kredittkort. For å benytte deg av disse fordelene må du ha følgende produkter i Gjensidige Bank: Aktiv brukskonto med bankkort. Ett spareprodukt (ikke krav om fast sparing). Boligån, billån eller kredittkort.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordel bank","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"31.01.2012","published":true,"modified":"22.03.2012","modifier":"brigitte","oppfolging":false,"id":173663},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakkeHref":"bank/produktpakke/173663","href":"bank/boliglan/141665","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"31.01.2012","produktpakkeNavn":"Fordel bank","maks_alder":"100","publiserFra":"23.03.2012","published":true,"modified":"20.02.2013","modifier":"brigitte","oppfolging":false,"id":141665},{"navn":"Førstehjemslån - Fordel bank","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"950","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån - Fordel bank","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til kunder over hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Tilbud om Førstehjemslån gjelder kjøp av første bolig. Det er også mulig å flytte tilsvarende lån fra annen bank.\r\n\r\nTilbudet gjelder nye lån til Fordel bank kunder.\r\n\r\nFor å oppnå denne prisfordelen må du ha følgende produkter i Gjensidige Bank:\r\n\r\n- Aktiv brukskonto med bankkort \r\n- Minst ett spareprodukt (ikke krav om fast sparing\r\n- Lån (pantelån) eller kredittkort \r\n\r\nFor å søke om og få vurdert en lånesøknad i Gjensidige Bank, må du legge inn søknaden elektronisk fra www.gjensidige.no. Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. På grunn av stor pågang har vi dessverre noe ventetid på behandling av manuelle saker.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"50","min_belop_b":"2 000 000","termingebyr_1_b":"50","nominell_rente_1_a":"3,40","nominell_rente_1_b":"3,40","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"produktpakke":{"navn":"Fordel bank","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakke_arsgebyr":"0","href":"bank/produktpakke/173663","student":false,"spesielle_betingelser":"Fordelsprogrammet Fordel bank gir gunstige priser og vilkår, i tillegg til flere andre fordeler: Bedre rente på Sparekonto og Brukskonto. Gunstigere rente på bolig- og billån. FORDEL kredittkort. For å benytte deg av disse fordelene må du ha følgende produkter i Gjensidige Bank: Aktiv brukskonto med bankkort. Ett spareprodukt (ikke krav om fast sparing). Boligån, billån eller kredittkort.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordel bank","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"31.01.2012","published":true,"modified":"22.03.2012","modifier":"brigitte","oppfolging":false,"id":173663},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakkeHref":"bank/produktpakke/173663","href":"bank/boliglan/141670","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"31.01.2012","produktpakkeNavn":"Fordel bank","maks_alder":"100","publiserFra":"23.03.2012","published":true,"modified":"20.02.2013","modifier":"brigitte","oppfolging":false,"id":141670},{"navn":"Flexilån","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"25","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178287","student":false,"spesielle_betingelser":"Boliglån forutsetter at kundeforhold med bruks-/lønnskonto og lønnsinngang etableres i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178287},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakkeHref":"bank/produktpakke/178287","href":"bank/boliglan/159240","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"03.10.2012","published":true,"modified":"08.03.2013","modifier":"bks@holsparebank.no","oppfolging":false,"id":159240},{"navn":"Førstehjemslån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"1","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"25","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"produktpakke":{"navn":"BSU & lønnskonto","leverandor":{"bb_epost":"post@holsparebank.no","href":"leverandor/bank/472","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Geilovegen 34","bb_adresse2":"Postboks 190","bb_postnr":"3581","bb_poststed":"Geilo","bb_telefon":"32087020","bb_telefaks":"32087021","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hol Sparebank skal være en selvstendig, lokal sparebank i Hol kommune. Banken skal dekke behovet for sparing, kreditt, betalingsformidling\r\n               og tilknyttede tjenester, ha høy kvalitet på sine tjenester og ha et personale som er motivert og faglig dyktig. Banken ønsker\r\n               også å opprette og vedlikeholde/utvikle relasjoner til kundegrupper som ikke bor i Hol kommune, men som har tilknytning til\r\n               kommunen eller banken gjennom oppvekst, flytting, turisme, samarbeidende selskaper, eierskap etc.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.holsparebank.no","navn":"Hol Sparebank","visningsnavn":"Hol Sparebank","orgnr":"937889720","modified":"11.10.2012","modifier":"bks@holsparebank.no","tilbyrSph":false,"oppfolging":false,"id":472},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178294","student":false,"spesielle_betingelser":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. For innvilgelse av boliglån forutsettes det at det etableres kundeforhold i banken med bruks-/lønnskonto med lønnsinngang. ","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU & lønnskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"14.10.2011","published":true,"modified":"11.10.2012","modifier":"bks@holsparebank.no","oppfolging":false,"id":178294},"leverandorVisningsnavn":"Hol Sparebank","leverandorUrl":"http://www.holsparebank.no","leverandorNavn":"Hol Sparebank","leverandorHref":"leverandor/bank/472","produktpakkeHref":"bank/produktpakke/178294","href":"bank/boliglan/159237","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.10.2011","produktpakkeNavn":"BSU & lønnskonto","maks_alder":"34","publiserFra":"03.10.2012","published":true,"modified":"08.03.2013","modifier":"bks@holsparebank.no","oppfolging":false,"id":159237},{"navn":"Bustadlån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Bustadlån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,50","nominell_rente_1_b":"4,25","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"sparebanken@sparebanken.no","href":"leverandor/bank/374","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sparebanken.no","bytt_bank_url":"http://www.sparebanken.no","bb_adresse1":"Postboks 55","bb_adresse2":"Gymnasvegen 2","bb_postnr":"6101","bb_poststed":"Volda","bb_telefon":"70070000","bb_telefaks":"70070001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Alle kontor har minibankar tilgjengeleg 24 timar i døgnet og i tillegg har kontora i Volda, Ørsta, Herøy og Ulsteinvik automatområde der kundar kan gjere det meste innanfor betalingsformidling heile døgnet. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sparebanken.no","url":"http://www.sparebanken.no","navn":"SpareBank 1 Søre Sunnmøre","visningsnavn":"SpareBank 1 Søre Sunnmøre","orgnr":"937899785","modified":"21.01.2013","modifier":"robert.bratteberg@sparebanken.no","tilbyrSph":false,"oppfolging":false,"id":374},"leverandorVisningsnavn":"SpareBank 1 Søre Sunnmøre","leverandorUrl":"http://www.sparebanken.no","leverandorNavn":"SpareBank 1 Søre Sunnmøre","leverandorHref":"leverandor/bank/374","produktpakkeHref":"","href":"bank/boliglan/49505","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"14.03.2013","published":true,"modified":"13.03.2013","modifier":"robert.bratteberg@sparebanken.no","oppfolging":false,"id":49505},{"navn":"Ungdomslån - førstehjemslån ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Ungdomslån - førstehjemslån ","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. 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Vi strekker oss fra Arendal i øst til Lindesnes i vest.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebankenpluss.no","navn":"Sparebanken Pluss","visningsnavn":"Sparebanken Pluss","orgnr":"937894538","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":419},"produktpakke":{"navn":"Ungdomslån m/BSU","leverandor":{"bb_epost":"firmapost@sparebankenpluss.no","href":"leverandor/bank/419","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 200","bb_adresse2":"","bb_postnr":"4662","bb_poststed":"Kristiansand","bb_telefon":"38173500","bb_telefaks":"38173504","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. Vi strekker oss fra Arendal i øst til Lindesnes i vest.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. Vi strekker oss fra Arendal i øst til Lindesnes i vest.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebankenpluss.no","navn":"Sparebanken Pluss","visningsnavn":"Sparebanken Pluss","orgnr":"937894538","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":419},"leverandorVisningsnavn":"Sparebanken Pluss","leverandorUrl":"http://www.sparebankenpluss.no","leverandorNavn":"Sparebanken Pluss","leverandorHref":"leverandor/bank/419","produktpakke_arsgebyr":"0","href":"bank/produktpakke/153295","student":false,"spesielle_betingelser":"Har du god egenkapital stiller du i første rekke når du skal skaffe deg bolig. Med jevn sparing på BSU-konto vil du ha sikret deg dette. Vilkår knyttet til tilbudet: Helkunde (hovedbank) med aktiv lønnskonto, kort og nettbank. Spareavtale med fast sparebeløp, min kr 500.- per måned (til sparekonto eller fond). BSU konto. Banken skal kunne komme med forsikringstilbud på Livs- og Skadeforsikring.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Ungdomslån m/BSU","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"23.09.2011","published":true,"modified":"05.06.2012","modifier":"brigitte","oppfolging":false,"id":153295},"leverandorVisningsnavn":"Sparebanken Pluss","leverandorUrl":"http://www.sparebankenpluss.no","leverandorNavn":"Sparebanken Pluss","leverandorHref":"leverandor/bank/419","produktpakkeHref":"bank/produktpakke/153295","href":"bank/boliglan/155332","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.09.2011","produktpakkeNavn":"Ungdomslån m/BSU","maks_alder":"34","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"par@sparebankenpluss.no","oppfolging":false,"id":155332},{"navn":"Ordinære boliglån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Ordinære boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Gir tilbud til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Skal du kjøpe bolig, bygge eller pusse opp? Vi hjelper deg med finansieringen.  Søk lån på nettet eller i banken Søker du lån på nettet får du svar med en gang, og betaler bare halvt etableringsgebyr. Ønsker du gode råd om lån og hvordan dette påvirker økonomien din, ta kontakt for å avtale samtale med en rådgiver. For at vi skal innvilge søknad om boliglån må du etablere kundeforhold med brukskonto og lønnsinngang. Renten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Terminbeløp dvs. renter, avdrag og termingebyr belastes brukskonto månedlig. Vi har ekstra gode betingelser når lånet er over 2 millioner kroner. Boliglån til unge under 34 år er spesielt tilpasset deg som er i etableringsfasen. Med flexilån kan du selv ta ut penger når du trenger det, uten ny lånesøknad hver gang.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,25","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakke_arsgebyr":"0","href":"bank/produktpakke/942","student":false,"spesielle_betingelser":"Boliglån forutsetter at du etablerer kundeforhold med lønnskonto med lønnsinngang og betalingstjenester. Lånerenten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Presenterte betingelser her tilsvarer bankens beste veilednende betingelser.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"02.09.2008","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":942},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakkeHref":"bank/produktpakke/942","href":"bank/boliglan/46291","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.09.2008","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"22.03.2013","published":true,"modified":"22.03.2013","modifier":"sphof","oppfolging":false,"id":46291},{"navn":"Kronlån (flexilån)","max_lopetid":"30","kap_periode":"1","provisjon":"0,00","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Kronlån (flexilån)","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. 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Vi har kontor på Orkanger og i Lensvik.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","navn":"Orkdal Sparebank","visningsnavn":"Orkdal Sparebank","orgnr":"947278770","modified":"04.01.2013","modifier":"terje.sletvold@orkdalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":354},"produktpakke":{"navn":"Kronkunde","leverandor":{"bb_epost":"post@orkdalsbanken.no","href":"leverandor/bank/354","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Orkdalsveien 84","bb_adresse2":"","bb_postnr":"7300","bb_poststed":"Orkanger","bb_telefon":"72466300","bb_telefaks":"72466346","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. 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Vi har kontor på Orkanger og i Lensvik.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","navn":"Orkdal Sparebank","visningsnavn":"Orkdal Sparebank","orgnr":"947278770","modified":"04.01.2013","modifier":"terje.sletvold@orkdalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":354},"leverandorVisningsnavn":"Orkdal Sparebank","leverandorUrl":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","leverandorNavn":"Orkdal Sparebank","leverandorHref":"leverandor/bank/354","produktpakke_arsgebyr":"500","href":"bank/produktpakke/726","student":false,"spesielle_betingelser":"Hva må til for å bli kronkunde? • For å få fordelene som Kronkunde er det noen vilkår som må oppfylles: • Lønnskonto eller brukskonto hvor det går inn lønn, pensjon eller trygd • Det må være knyttet et kort til kontoen. Sparekonto med minimum innskudd kr. 25.000 eller sparekonto med fast sparing samt en lånesaldo over kr. 100.000 i årlig gjennomsnitt. • Ordnet økonomi. Pris på Kronkundepakken. Som Kronkunde betales en medlemsavgift pr. kvartal på kr. 125,- for enkeltperson og kr. 175,- for par. Fordeler som kronkunde: • Lønnskonto med høyere rente. • Kapitalkonto med høyere rente. Kort - gratis Visa-kort (på lønnskontoen), gebyrfrie uttak alle landets minibanker og gratis bruk av betalingsterminaler i Norge (ikke VISA-transaksjoner). • Betalingsformidling - gratis bruk av Nettbank, Telegiro og Avtalegiro. Lån og kreditt. Termingebyret på ett lån er tatt bort, forhåndsklarert kreditt opp til kr. 30.000, ingen provisjon på kreditt, kun rente.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Kronkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"100 000","min_sparing":"25 000","publiserFra":"12.12.2007","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":726},"leverandorVisningsnavn":"Orkdal Sparebank","leverandorUrl":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","leverandorNavn":"Orkdal Sparebank","leverandorHref":"leverandor/bank/354","produktpakkeHref":"bank/produktpakke/726","href":"bank/boliglan/50471","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.12.2007","produktpakkeNavn":"Kronkunde","maks_alder":"100","publiserFra":"22.03.2013","published":true,"modified":"22.03.2013","modifier":"terje.sletvold@orkdalsbanken.no","oppfolging":false,"id":50471},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","provisjon":"0,00","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Førstehjemslån innenfor 85% av verdigrunnlag, lånebeløp inntil 60% tilbys i Eika Boligkreditt, overskytende i Orkdal Sparebank. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,75","leverandor":{"bb_epost":"post@orkdalsbanken.no","href":"leverandor/bank/354","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Orkdalsveien 84","bb_adresse2":"","bb_postnr":"7300","bb_poststed":"Orkanger","bb_telefon":"72466300","bb_telefaks":"72466346","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. 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Vi tilbyr også BSU-pluss for de som allerede har BSU sparing!","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU-sparing","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.09.2011","published":true,"modified":"21.12.2012","modifier":"terje.sletvold@orkdalsbanken.no","oppfolging":false,"id":153117},"leverandorVisningsnavn":"Orkdal Sparebank","leverandorUrl":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","leverandorNavn":"Orkdal Sparebank","leverandorHref":"leverandor/bank/354","produktpakkeHref":"bank/produktpakke/153117","href":"bank/boliglan/49561","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.09.2011","produktpakkeNavn":"BSU-sparing","maks_alder":"34","publiserFra":"22.03.2013","published":true,"modified":"22.03.2013","modifier":"terje.sletvold@orkdalsbanken.no","oppfolging":false,"id":49561},{"navn":"60 % Boliglån flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60 % Boliglån flytende rente","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Storebrand Bank har hele landet som markedsområde for boliglån.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Lånerenten forutsetter at låntaker og evt. medlåntaker bruker oss aktiv som dagligbankkunde med lønnskonto, nettbank, VISA-kort og\r\nkredittkort. Er du ikke aktiv dagligbankkunde gjelder egne renter.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,80","nominell_rente_1_b":"4,40","nominell_rente_1_c":"4,10","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"produktpakke":{"navn":"StorebrandKonto","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1194","student":false,"spesielle_betingelser":"Lånerenten forutsetter at låntaker og evt. medlåntaker bruker oss aktiv som dagligbankkunde med lønnskonto, nettbank, VISA-kort. 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Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"I tillegg til tilfredsstillende sikkerhet forutsetter opplyst utlånsrente at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank. For mer informasjon om Flexilån kontakt Indre Sogn Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Ung 18 - 30","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129861","student":false,"spesielle_betingelser":"ISSB Ung 18 - 30 føreset at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i\r\nIndre Sogn Sparebank. Vil tilbyr og telebank/SMS-bank.\r\n•\r\nDet skal til ei kvar tid vere inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, BSU eller verdipapirkonto).","pensjonist":false,"min_alder":"18","maks_alder":"30","produktpakke_navn":"ISSB Ung 18 - 30","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129861},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129861","href":"bank/boliglan/129888","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Ung 18 - 30","maks_alder":"30","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129888},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. Banken har kontorer i Askim, Drøbak, Halden, Råde, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Oppgitt rente er frarente innenfor 60% av markedsverdi.\r\n\r\nMulighet for avtale om avdragsfri periode.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"2 000 000","termingebyr_1_c":"35","min_belop_d":"2 000 001","termingebyr_1_d":"35","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,45","nominell_rente_1_c":"3,95","nominell_rente_1_d":"3,85","leverandor":{"bb_epost":"epost@sparebank1.no","href":"leverandor/bank/346","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 30","bb_adresse2":"","bb_postnr":"1501","bb_poststed":"Moss","bb_telefon":"05700","bb_telefaks":"69245710","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. 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Banken har kontorer i Askim, Drøbak, Råde, Halden, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside&_nfls=false","navn":"SpareBank 1 Østfold Akershus","visningsnavn":"SpareBank 1 Østfold Akershus","orgnr":"837884942","modified":"20.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":346},"leverandorVisningsnavn":"SpareBank 1 Østfold Akershus","leverandorUrl":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside&_nfls=false","leverandorNavn":"SpareBank 1 Østfold Akershus","leverandorHref":"leverandor/bank/346","produktpakkeHref":"","href":"bank/boliglan/45851","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"26.04.2013","published":true,"modified":"26.04.2013","modifier":"heidi.e.hansen@rvs.sparebank1.no","oppfolging":false,"id":45851},{"navn":"75 % - 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Er du ikke aktiv dagligbankkunde gjelder egne renter.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"5,05","nominell_rente_1_b":"4,55","nominell_rente_1_c":"4,35","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"produktpakke":{"navn":"StorebrandKonto","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1194","student":false,"spesielle_betingelser":"Lånerenten forutsetter at låntaker og evt. medlåntaker bruker oss aktiv som dagligbankkunde med lønnskonto, nettbank, VISA-kort. Er du ikke aktiv dagligbankkunde gjelder egne renter.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"StorebrandKonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"07.12.2009","published":true,"modified":"26.07.2012","modifier":"Kari.Birkeland@storebrand.no","oppfolging":false,"id":1194},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakkeHref":"bank/produktpakke/1194","href":"bank/boliglan/129550","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"07.12.2009","produktpakkeNavn":"StorebrandKonto","maks_alder":"100","publiserFra":"22.03.2012","published":true,"modified":"26.07.2012","modifier":"Kari.Birkeland@storebrand.no","oppfolging":false,"id":129550},{"navn":"60 %-lån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60 %-lån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Harstad Sparebank har hovedkontor i Harstad rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Trekk av terminbeløp for lån (renter, avdrag og termingebyr) forutsetter at lånetaker har brukskonto med lønnsinngang i Harstad Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,40","nominell_rente_1_b":"4,00","nominell_rente_1_c":"3,65","leverandor":{"bb_epost":"post@harstad-sparebank.no","href":"leverandor/bank/338","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"9481","bb_poststed":"Harstad","bb_telefon":"77002800","bb_telefaks":"77002801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Harstad Sparebank har hovedkontor i Harstad rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Harstad Sparebank har hovedkontor i Harstad og rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.harstad-sparebank.no","navn":"Harstad Sparebank","visningsnavn":"Harstad Sparebank","orgnr":"937905378","modified":"15.07.2011","modifier":"bs@harstad-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":338},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@harstad-sparebank.no","href":"leverandor/bank/338","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"9481","bb_poststed":"Harstad","bb_telefon":"77002800","bb_telefaks":"77002801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Harstad Sparebank har hovedkontor i Harstad rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Harstad Sparebank har hovedkontor i Harstad og rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.harstad-sparebank.no","navn":"Harstad Sparebank","visningsnavn":"Harstad Sparebank","orgnr":"937905378","modified":"15.07.2011","modifier":"bs@harstad-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":338},"leverandorVisningsnavn":"Harstad Sparebank","leverandorUrl":"http://www.harstad-sparebank.no","leverandorNavn":"Harstad Sparebank","leverandorHref":"leverandor/bank/338","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201467","student":false,"spesielle_betingelser":"Trekk av terminbeløp for lån (renter, avdrag og termingebyr) forutsetter at lånetaker har brukskonto med lønnsinngang i Harstad Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"15.09.2012","published":true,"modified":"15.09.2012","modifier":"brigitte","oppfolging":false,"id":201467},"leverandorVisningsnavn":"Harstad Sparebank","leverandorUrl":"http://www.harstad-sparebank.no","leverandorNavn":"Harstad Sparebank","leverandorHref":"leverandor/bank/338","produktpakkeHref":"bank/produktpakke/201467","href":"bank/boliglan/49569","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.09.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"02.04.2012","published":true,"modified":"15.09.2012","modifier":"brigitte","oppfolging":false,"id":49569},{"navn":"Terra Boligkreditt 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 650","depotgebyr":"300","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Terra Boligkreditt 60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Primærområdet for boliglån er i første rekke kommuner på Nordmøre og i Sør-Trøndelag. Ut over dette er markedet  Oslo-området,\r\n               samt i og i nærheten av andre store norske byer. Alle søknader blir vurdert individuelt.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Surnadal Sparebank gir lån til de fleste formål, med forskjellig sikkerhet og til konkurransedyktige priser. Prisen blir fastsatt primært etter den sikkerhet kunden tilbyr, men det tas også hensyn til kundeforhold og betjeningsevne.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 500 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@bank.no","href":"leverandor/bank/369","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Surnadal Sparebank","bb_adresse2":"Postboks 54","bb_postnr":"6656","bb_poststed":"Surnadal","bb_telefon":"07166","bb_telefaks":"71 66 27 27","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke kommuner på Nordmøre og i Sør-Trøndelag. Ut over dette er markedet  Oslo-området,\r\n               samt i og i nærheten av andre store norske byer. Alle søknader blir vurdert individuelt.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankens primærområde er indre Nordmøre, men den teknologiske utvikling har bidratt til at vi også kan betjene våre kunder\r\n               i alle deler av landet - like enkelt som våre nærkunder.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bank.no","navn":"Surnadal Sparebank","visningsnavn":"Surnadal Sparebank","orgnr":"937900031","modified":"28.07.2011","modifier":"knut.haugen@bank.no","tilbyrSph":false,"oppfolging":false,"id":369},"leverandorVisningsnavn":"Surnadal Sparebank","leverandorUrl":"http://www.bank.no","leverandorNavn":"Surnadal Sparebank","leverandorHref":"leverandor/bank/369","produktpakkeHref":"","href":"bank/boliglan/46581","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"18.09.2012","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":46581},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"950","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til kunder over hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Tilbud om Førstehjemslån har ingen øvre aldersgrense, men søknad må gjelde kjøp av første bolig. Det er også mulig å flytte tilsvarende lån fra annen bank.\r\n\r\nFor å søke om og få vurdert en lånesøknad i Gjensidige Bank, må du legge inn søknaden elektronisk fra www.gjensidige.no. Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. På grunn av stor pågang har vi dessverre noe ventetid på behandling av manuelle saker.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"50","min_belop_b":"2 000 000","termingebyr_1_b":"50","nominell_rente_1_a":"3,80","nominell_rente_1_b":"3,80","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"produktpakke":{"navn":"Basis","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakke_arsgebyr":"0","href":"bank/produktpakke/160543","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Basis","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.11.2011","published":true,"modified":"09.03.2012","modifier":"brigitte","oppfolging":false,"id":160543},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakkeHref":"bank/produktpakke/160543","href":"bank/boliglan/46387","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.11.2011","produktpakkeNavn":"Basis","maks_alder":"100","publiserFra":"23.03.2012","published":true,"modified":"20.02.2013","modifier":"brigitte","oppfolging":false,"id":46387},{"navn":"Fastrentelån 85% 10 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 950","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Fastrentelån 85% 10 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"10","forbehold":"Det er vanskelig å treffe rentebunnen, så det å spekulere i at fastrente skal lønne seg er forbundet med risiko. Vår anbefaling er at det er din økonomiske situasjon og dine ønsker som styrer valget. Dersom du foretrekker tryggheten i faste månedlige låneutgifter så har vi til enhver tid tilbud om fastrente med 2, 3, 4, 5, 7 og 10 års rentebinding. Fordeler med fastrentelån: Forutsigbare låneutgifter - renten påvirkes ikke av svigninger i rentemarkedet. Kan kombineres med boliglån med flytende rente, for eksempel ved å dele opp lånet i en fast og en flytende del. Økonomisk trygghet - du har til enhver tid god oversikt over låneutgiftene dine. For nye boliglånskunder er etableringsgebyr for etablering av avdragslån med sikkerhet kr 1.950,-. For endring av lånetype for allerede etablerte serie-/annuitetslån flytende til fast rente er etableringsgebyret kr 1.000,-. Termingebyr serie-/annunitets flytende fast rente er termingebyr kr 40,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"5,20","leverandor":{"bb_epost":"smn@smn.no","href":"leverandor/bank/342","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.smn.no","bytt_bank_url":"http://www.smn.no","bb_adresse1":"Postboks 4796 Sluppen","bb_adresse2":"","bb_postnr":"7467","bb_poststed":"Trondheim","bb_telefon":"07300","bb_telefaks":"73585810","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.smn.no","url":"http://www.smn.no","navn":"SpareBank 1 Midt-Norge","visningsnavn":"SpareBank 1 SMN","orgnr":"937901003","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":342},"leverandorVisningsnavn":"SpareBank 1 SMN","leverandorUrl":"http://www.smn.no","leverandorNavn":"SpareBank 1 SMN","leverandorHref":"leverandor/bank/342","produktpakkeHref":"","href":"bank/boliglan/156235","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"11.03.2013","published":true,"modified":"11.03.2013","modifier":"arne.nypan@smn.no","oppfolging":false,"id":156235},{"navn":"Smart Boliglån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 900","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Smart Boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Kunder må ha lønnsinngang/trygd/pensjon, bankkort og nettbank. Kr. 40.000.- i innskudd eller sparing på min kr. 500.- pr. mnd.* Og lånet må være konvertibelt til Boligkredittselskap.\r\n* Innskudd og sparing kan erstattes av Livsforsikring. Se www.sr-bank.no/smartlan\r\n               for mer info\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt naturlige markedsområde er Rogaland, Vest-Agder, Aust-Agder og Hordaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sr-bank.no","navn":"SpareBank 1 SR-Bank","visningsnavn":"SpareBank 1 SR-Bank","orgnr":"937895321","modified":"06.06.2011","modifier":"nelly","tilbyrSph":true,"oppfolging":false,"id":340},"produktpakke":{"navn":"Smart-lån og Alltid","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt naturlige markedsområde er Rogaland, Vest-Agder, Aust-Agder og Hordaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sr-bank.no","navn":"SpareBank 1 SR-Bank","visningsnavn":"SpareBank 1 SR-Bank","orgnr":"937895321","modified":"06.06.2011","modifier":"nelly","tilbyrSph":true,"oppfolging":false,"id":340},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakke_arsgebyr":"0","href":"bank/produktpakke/172228","student":false,"spesielle_betingelser":"Beste pris til deg som benytter SpareBank 1 SR-Bank som hovedbank. Betingelser for å få smart lån: Lønnsinngang, nettbank og debetkort. Innskudd over 40.000,- eller sparing på minimum 500,- per måned (Innskudd eller sparing kan erstattes av  personforsikring), lånet må være overførbart til SpareBank 1 Boligkreditt A/S.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Smart-lån og Alltid","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"05.05.2009","published":true,"modified":"22.01.2012","modifier":"brigitte","oppfolging":false,"id":172228},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakkeHref":"bank/produktpakke/172228","href":"bank/boliglan/49311","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.05.2009","produktpakkeNavn":"Smart-lån og Alltid","maks_alder":"100","publiserFra":"12.03.2013","published":true,"modified":"11.03.2013","modifier":"oddvar.rettedal@sr-bank.no","oppfolging":false,"id":49311},{"navn":"Boliglån Helgeland Total","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån Helgeland Total","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. Vi tilbyr derfor også lån til personer fra Helgeland som for tiden bor andre steder i landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Beste rente gjelder for lån over 2 mill.kr. innenfor 75 % av boligens verdi. Beste rente forutsetter også helkundeforhold hos oss. Ut over dette fastsettes renten individuelt ut fra en vurdering av belåningsgrad, betjeningsevne og øvrig kundeforhold.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,30","nominell_rente_1_c":"3,95","leverandor":{"bb_epost":"kundeservice@hsb.no","href":"leverandor/bank/441","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Att.: Kundeservice","bb_adresse2":"Strandgata 31","bb_postnr":"8654","bb_poststed":"Mosjøen","bb_telefon":"75 11 90 00","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. Vi tilbyr derfor også lån til personer fra Helgeland som for tiden bor andre steder i landet.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene også ut av regionen.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.hsb.no","navn":"Helgeland Sparebank","visningsnavn":"Helgeland Sparebank","orgnr":"937904029","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":441},"produktpakke":{"navn":"Helgeland Total","leverandor":{"bb_epost":"kundeservice@hsb.no","href":"leverandor/bank/441","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Att.: Kundeservice","bb_adresse2":"Strandgata 31","bb_postnr":"8654","bb_poststed":"Mosjøen","bb_telefon":"75 11 90 00","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. Vi tilbyr derfor også lån til personer fra Helgeland som for tiden bor andre steder i landet.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene også ut av regionen.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.hsb.no","navn":"Helgeland Sparebank","visningsnavn":"Helgeland Sparebank","orgnr":"937904029","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":441},"leverandorVisningsnavn":"Helgeland Sparebank","leverandorUrl":"https://www.hsb.no","leverandorNavn":"Helgeland Sparebank","leverandorHref":"leverandor/bank/441","produktpakke_arsgebyr":"0","href":"bank/produktpakke/568","student":false,"spesielle_betingelser":"Helgeland Total er et kundeprogram med ekstrafordeler for våre beste kunder over 18 år. Med Helgeland Total får du fri bruk av alle våre dagligbanktjenester, uten å betale fast månedsavgift. Med Helgeland Total får du disse fordelene: gratis bruk av våre minibanker – hele døgnet, gratis varekjøp med kort i Norge og i utlandet – også ved handel på Internett, gratis kontantuttak i butikker i Norge i forbindelse med varekjøp, gratis bruk av Nettbank og Telebank (ikke utenlandsbetaling), gratis bruk av eFaktura og Avtalegiro, gratis bruk av SMS-Bank. Du betaler kun årsavgift på ditt Visa Personkort. Du må inngå en egen avtale med oss om Helgeland Total. Med Helgeland Total vil du få all informasjon fra banken elektronisk til postkassen i Nettbanken. I tillegg til fri bruk av bankens betalingstjenester får du også rimeligere bolig- og bilfinansiering hos oss, samt redusert tilretteleggingsgebyr hos Eiendomsmegleren Helgeland ved salg av bolig. Du kan også få vårt gebyrfrie kredittkort, Helgeland Gull. Helgeland Gull har ingen etableringsgebyr eller årsavgift, og det er heller ingen gebyr på varekjøp med kortet. Du får inntil 45 dagers rentefri betalingsutsettelse, og reise- og avbestillingsforsikring er inkludert dersom du betaler minst 50 % av reisen med Helgeland Gull. Er du 30 år eller eldre må du i tillegg oppfylle ett av følgende krav: ha et samlet låneengasjement hos oss på over 250.000 kroner, ha innskudd hos oss på minst 50.000 kroner til sammen, ha skade- eller personforsikring hos oss, ha BSU-konto hos oss. Er du ektefelle til eller samboer med en kunde som oppfyller punkt 1, 2 eller 3, kan du også bli medlem i Helgeland Total.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helgeland Total","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"250 000","min_sparing":"50 000","publiserFra":"06.12.2007","published":true,"modified":"08.02.2012","modifier":"brigitte","oppfolging":false,"id":568},"leverandorVisningsnavn":"Helgeland Sparebank","leverandorUrl":"https://www.hsb.no","leverandorNavn":"Helgeland Sparebank","leverandorHref":"leverandor/bank/441","produktpakkeHref":"bank/produktpakke/568","href":"bank/boliglan/46115","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"06.12.2007","produktpakkeNavn":"Helgeland Total","maks_alder":"100","publiserFra":"19.03.2013","published":true,"modified":"19.03.2013","modifier":"ole.jorgen.skaalbones@hsb.no","oppfolging":false,"id":46115},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. 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Du må ha spart 500 kroner i måneden, eller ha spart minimum 20 000 kroner på BSU eller på en annen sparekonto. Du bør ha person- eller skadeforsikring (bolig / bil) hos oss.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","termingebyr_1_b":"50","nominell_rente_1_a":"3,90","nominell_rente_1_b":"3,60","leverandor":{"bb_epost":"kundeservice@hsb.no","href":"leverandor/bank/441","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Att.: Kundeservice","bb_adresse2":"Strandgata 31","bb_postnr":"8654","bb_poststed":"Mosjøen","bb_telefon":"75 11 90 00","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. 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Med Helgeland Total får du disse fordelene: gratis bruk av våre minibanker – hele døgnet, gratis varekjøp med kort i Norge og i utlandet – også ved handel på Internett, gratis kontantuttak i butikker i Norge i forbindelse med varekjøp, gratis bruk av Nettbank og Telebank (ikke utenlandsbetaling), gratis bruk av eFaktura og Avtalegiro, gratis bruk av SMS-Bank. Du betaler kun årsavgift på ditt Visa Personkort. Du må inngå en egen avtale med oss om Helgeland Total. Med Helgeland Total vil du få all informasjon fra banken elektronisk til postkassen i Nettbanken. I tillegg til fri bruk av bankens betalingstjenester får du også rimeligere bolig- og bilfinansiering hos oss, samt redusert tilretteleggingsgebyr hos Eiendomsmegleren Helgeland ved salg av bolig. Du kan også få vårt gebyrfrie kredittkort, Helgeland Gull. Helgeland Gull har ingen etableringsgebyr eller årsavgift, og det er heller ingen gebyr på varekjøp med kortet. Du får inntil 45 dagers rentefri betalingsutsettelse, og reise- og avbestillingsforsikring er inkludert dersom du betaler minst 50 % av reisen med Helgeland Gull. Er du 30 år eller eldre må du i tillegg oppfylle ett av følgende krav: ha et samlet låneengasjement hos oss på over 250.000 kroner, ha innskudd hos oss på minst 50.000 kroner til sammen, ha skade- eller personforsikring hos oss, ha BSU-konto hos oss. 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Vi hjelper deg med finansieringen.  Søk lån på nettet eller i banken Søker du lån på nettet får du svar med en gang, og betaler bare halvt etableringsgebyr. Ønsker du gode råd om lån og hvordan dette påvirker økonomien din, ta kontakt for å avtale samtale med en rådgiver. For at vi skal innvilge søknad om boliglån må du etablere kundeforhold med brukskonto og lønnsinngang. Renten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Terminbeløp dvs. renter, avdrag og termingebyr belastes brukskonto månedlig. Vi har ekstra gode betingelser når lånet er over 2 millioner kroner. Boliglån til unge under 34 år er spesielt tilpasset deg som er i etableringsfasen. Med flexilån kan du selv ta ut penger når du trenger det, uten ny lånesøknad hver gang.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakke_arsgebyr":"0","href":"bank/produktpakke/942","student":false,"spesielle_betingelser":"Boliglån forutsetter at du etablerer kundeforhold med lønnskonto med lønnsinngang og betalingstjenester. 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Avdragsfrihet etter avtale. Innestående på BSU-konto teller som egenkapital. Opplyst utlånsrente er bankens laveste veiledende betingelser. Den endelige utlånsrente man vil få fastsettes etter individuell vurdering av lånesøknad og kundeforhold. Boligkjøp er en investering som vil påvirke din økonomi i mange år framover. Før du låner bør du derfor skaffe deg oversikt over hva din økonomi er i stand til å tåle av utgifter, og hva som vil skje hvis renten skulle stige i årene fremover. Ved å besøke en av våre kunderådgivere får du en kvalifisert vurdering av hvor stort boliglån du kan betjene.          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Dette kan gjøres helt gebyrfritt. Gratis etableringsgbyr ved søknad via danskebank.no.            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Du bestemmer selv hvilke kort du vil bruke og hvordan du vil betale regningene dine. Det er ikke noe krav om at du må benytte kredittkort. Å bruke oss i det daglige kan du gjøre helt gebyrfritt. Årsavgift kort for Basis og 24/7 er kr 275, mens 24/7 ung er gratis.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Aktiv dagligbank","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.05.2012","published":true,"modified":"11.06.2013","modifier":"roar.kvello@danskebank.no","oppfolging":false,"id":189070},"leverandorVisningsnavn":"Danske Bank","leverandorUrl":"http://www.danskebank.no","leverandorNavn":"Danske Bank","leverandorHref":"leverandor/bank/464","produktpakkeHref":"bank/produktpakke/189070","href":"bank/boliglan/45779","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.05.2012","produktpakkeNavn":"Aktiv dagligbank","maks_alder":"100","publiserFra":"23.04.2013","published":true,"modified":"23.04.2013","modifier":"roar.kvello@danskebank.no","oppfolging":false,"id":45779},{"navn":"Flexilån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. Banken har kontorer i Askim, Drøbak, Halden, Råde, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Gjelder lån innenfor 70% av boligens verdi. \r\n                          ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 500 000","termingebyr_1_a":"60","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"epost@sparebank1.no","href":"leverandor/bank/346","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 30","bb_adresse2":"","bb_postnr":"1501","bb_poststed":"Moss","bb_telefon":"05700","bb_telefaks":"69245710","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. Banken har kontorer i Askim, Drøbak, Halden, Råde, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. Banken har kontorer i Askim, Drøbak, Råde, Halden, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside&_nfls=false","navn":"SpareBank 1 Østfold Akershus","visningsnavn":"SpareBank 1 Østfold Akershus","orgnr":"837884942","modified":"20.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":346},"produktpakke":{"navn":"Pluss (VISA m leg.)","leverandor":{"bb_epost":"epost@sparebank1.no","href":"leverandor/bank/346","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 30","bb_adresse2":"","bb_postnr":"1501","bb_poststed":"Moss","bb_telefon":"05700","bb_telefaks":"69245710","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. Banken har kontorer i Askim, Drøbak, Halden, Råde, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"For å etablere ny konto eller starte nytt kundeforhold til SpareBank1 Østfold Akershus må du ha en lokal tilknytning til Østfold og vårt markedsområde. Banken har kontorer i Askim, Drøbak, Råde, Halden, Sarpsborg, Fredrikstad, Rygge, Moss, Våler, Soon og Vestby.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside&_nfls=false","navn":"SpareBank 1 Østfold Akershus","visningsnavn":"SpareBank 1 Østfold Akershus","orgnr":"837884942","modified":"20.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":346},"leverandorVisningsnavn":"SpareBank 1 Østfold Akershus","leverandorUrl":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside&_nfls=false","leverandorNavn":"SpareBank 1 Østfold Akershus","leverandorHref":"leverandor/bank/346","produktpakke_arsgebyr":"0","href":"bank/produktpakke/166591","student":false,"spesielle_betingelser":"Pluss er kundeprogrammet for deg som ønsker å være selvbetjent i det daglige. Du betaler ingen gebyrer for de vanlige banktjenestene du bruker i hverdagen - kun en årsavgift på VISA kortet. Pluss har følgende fordeler (Gjelder fra 1.12.11) Ingen månedspris på konto. Årspris på VISA kortet kr 275 uten legitimasjon og  kr 300,- med legitimasjon. Bedre innskuddsrente på brukskonto. Gebyrfrie varekjøp i Norge og i utlandet. Fri bruk av NettBank, TelefonBank, Mobilbank og AvtaleGiro. Fritt uttak i SpareBank 1 sine minibanker i hele Norge. Mulighet for SpareBank 1 Gold Mastercard/Visa uten årsgebyr* (*Forutsetter kredittvurdering). Fri Reise og Avbestillingsforsikring - inkludert i kredittkortet. Fritt Normann Ativirus program. Samme PIN på alle SpareBank 1 kort. For å bli Pluss kunde må du: - være over 25 år. - ha lønnsinngang (feks, studielån, vanlig lønn eller pensjon). - ha innskudd og / eller lån i banken på min. kr 50 000. - ha nettbankavtale hos oss","pensjonist":false,"min_alder":"25","maks_alder":"100","produktpakke_navn":"Pluss (VISA m leg.)","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"0","publiserFra":"19.12.2011","published":true,"modified":"10.02.2012","modifier":"brigitte","oppfolging":false,"id":166591},"leverandorVisningsnavn":"SpareBank 1 Østfold Akershus","leverandorUrl":"https://www2.sparebank1.no/portal/1084RVM/3_privat?_nfpb=true&_pageLabel=page_privat_forside&_nfls=false","leverandorNavn":"SpareBank 1 Østfold Akershus","leverandorHref":"leverandor/bank/346","produktpakkeHref":"bank/produktpakke/166591","href":"bank/boliglan/45849","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"19.12.2011","produktpakkeNavn":"Pluss (VISA m leg.)","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"26.04.2013","modifier":"heidi.e.hansen@rvs.sparebank1.no","oppfolging":false,"id":45849},{"navn":"Fastrentelån 70% 3 år","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fastrentelån 70% 3 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Gir tilbud til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"3","forbehold":"Med fastrentelån vet du hvor mye du må betale på lånet ved hvert forfall, i den avtalte perioden. Du kan selv velge om du vil binde renten i 3, 5 eller 10 år. Fastrentelån gir deg garanti mot økte renter i rentebindingsperioden, og gjør det lettere å planlegge økonomien framover.  For at vi skal innvilge søknad om boliglån må du etablere kundeforhold med brukskonto og lønnsinngang. Terminbeløp dvs. renter, avdrag og termingebyr belastes brukskonto. Fastrentelån kan bli dyrere enn andre typer lån ved synkende rentenivå. Du kan kombinere fastrentelån og lån med flytende rente. På den måten kan du sikre deg mot virkningen av renteoppgang, samtidig som du drar nytte av en rentenedgang. Det er viktig å være klar over at det er spesielle betingelser knyttet til et fastrentelån. Du kan ikke uten videre endre terminbeløp, hoppe over en termin eller endre lengden på terminene så lenge renten er bundet. Overkurs og underkurs Ønsker du å nedbetale et fastrentelån raskere enn avtalt, vil det bli beregnet overkurs eller underkurs på lånet. Det betyr forenklet at om rentenivået har sunket siden du fikk utbetalt lånet ditt, må du betale det banken taper i renteinntekter. Har rentenivået derimot steget, vil du bli godskrevet rentegevinsten. Overkursen eller underkursen vil bli høyere jo lengre rentebinding du har og jo tidligere i bindingsperioden du ønsker å endre nedbetalingsplanen. Ta kontakt Vi gir deg råd om ulike låneformer ut fra ditt behov og dine ønsker. Ta kontakt med ditt bankkontor for mer informasjon og tilbud.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,00","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakke_arsgebyr":"0","href":"bank/produktpakke/942","student":false,"spesielle_betingelser":"Boliglån forutsetter at du etablerer kundeforhold med lønnskonto med lønnsinngang og betalingstjenester. Lånerenten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Presenterte betingelser her tilsvarer bankens beste veilednende betingelser.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"02.09.2008","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":942},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakkeHref":"bank/produktpakke/942","href":"bank/boliglan/46823","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.09.2008","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"29.04.2013","published":true,"modified":"29.04.2013","modifier":"sphof","oppfolging":false,"id":46823},{"navn":"Fornebulånet","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 250","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Fornebulånet","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bankens hovedmarkedsområde er Asker og Bærum og Oslo Vest, men vi har kunder over hele landet og tilbyr lån og kundeforhold til kunder over hele landet.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Fornebulånet tilbys til deg under 34 år som bruker Fornebubanken som hovedbankforbindelse. 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I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gudbrandsdal.sparebank1.no","navn":"SpareBank 1 Gudbrandsdal","visningsnavn":"SpareBank 1 Gudbrandsdal","orgnr":"937888104","modified":"26.03.2012","modifier":"test@finansportalen.no","tilbyrSph":false,"oppfolging":false,"id":378},"leverandorVisningsnavn":"SpareBank 1 Gudbrandsdal","leverandorUrl":"http://www.gudbrandsdal.sparebank1.no","leverandorNavn":"SpareBank 1 Gudbrandsdal","leverandorHref":"leverandor/bank/378","produktpakke_arsgebyr":"0","href":"bank/produktpakke/802","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"LO Favør","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"06.07.2009","modifier":"brigitte","oppfolging":false,"id":802},"leverandorVisningsnavn":"SpareBank 1 Gudbrandsdal","leverandorUrl":"http://www.gudbrandsdal.sparebank1.no","leverandorNavn":"SpareBank 1 Gudbrandsdal","leverandorHref":"leverandor/bank/378","produktpakkeHref":"bank/produktpakke/802","href":"bank/boliglan/46339","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"LO Favør","maks_alder":"100","publiserFra":"15.05.2013","published":true,"modified":"03.06.2013","modifier":"ts@spb1gdal.no","oppfolging":false,"id":46339},{"navn":"Boliglån Privat Ekstra 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"800","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån Privat Ekstra 75%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Må ha produktpakken Privat Ekstra.\r\n\r\nLån forutsetter etablering av kundeforhold, åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. Endelige rentebetingelser er avhengig av kundeforhold, økonomisk betjeningsevne, sikkerhet og lånets størrelse.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"30","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"30","min_belop_c":"2 000 000","termingebyr_1_c":"30","nominell_rente_1_a":"4,65","nominell_rente_1_b":"4,15","nominell_rente_1_c":"3,85","leverandor":{"bb_epost":"bankpost@s1g.no","href":"leverandor/bank/378","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nedregt.69","bb_adresse2":"","bb_postnr":"2640","bb_poststed":"Vinstra","bb_telefon":"61218000","bb_telefaks":"61218001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gudbrandsdal.sparebank1.no","navn":"SpareBank 1 Gudbrandsdal","visningsnavn":"SpareBank 1 Gudbrandsdal","orgnr":"937888104","modified":"26.03.2012","modifier":"test@finansportalen.no","tilbyrSph":false,"oppfolging":false,"id":378},"produktpakke":{"navn":"Privat Ekstra","leverandor":{"bb_epost":"bankpost@s1g.no","href":"leverandor/bank/378","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nedregt.69","bb_adresse2":"","bb_postnr":"2640","bb_poststed":"Vinstra","bb_telefon":"61218000","bb_telefaks":"61218001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gudbrandsdal.sparebank1.no","navn":"SpareBank 1 Gudbrandsdal","visningsnavn":"SpareBank 1 Gudbrandsdal","orgnr":"937888104","modified":"26.03.2012","modifier":"test@finansportalen.no","tilbyrSph":false,"oppfolging":false,"id":378},"leverandorVisningsnavn":"SpareBank 1 Gudbrandsdal","leverandorUrl":"http://www.gudbrandsdal.sparebank1.no","leverandorNavn":"SpareBank 1 Gudbrandsdal","leverandorHref":"leverandor/bank/378","produktpakke_arsgebyr":"300","href":"bank/produktpakke/800","student":false,"spesielle_betingelser":"Som Privat Pluss- eller Privat Ekstra-kunde vil du alltid ha ekstra penger i bakhånd! Med et eget kredittkort, som også kan benyttes i minibanker og betalingsautomater, har du full frihet til å handle når du trenger det. Du velger selv hvilket fordelsprogram som passer deg best. Disse pakkene gir deg reduserte priser på bruk av kort og elektronisk regningsbetaling. Du får også tilbud om et internasjonalt kredittkort med kreditt fra 20.000 kroner. Videre får du tilgang til trygghetselementer når du er på reise, samt rabatt på salg av bolig gjennom EiendomsMegler 1. ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Privat Ekstra","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"31.01.2012","modifier":"brigitte","oppfolging":false,"id":800},"leverandorVisningsnavn":"SpareBank 1 Gudbrandsdal","leverandorUrl":"http://www.gudbrandsdal.sparebank1.no","leverandorNavn":"SpareBank 1 Gudbrandsdal","leverandorHref":"leverandor/bank/378","produktpakkeHref":"bank/produktpakke/800","href":"bank/boliglan/46337","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Privat Ekstra","maks_alder":"100","publiserFra":"15.05.2013","published":true,"modified":"03.06.2013","modifier":"ts@spb1gdal.no","oppfolging":false,"id":46337},{"navn":"1833Lånet gjennom Terra BoligKreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"300","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"1833Lånet gjennom Terra BoligKreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Etableringsgebyret er 3 % veiledende fra kr. 500,-til kr. 1500,-. Produktpakken 1833lånet er vårt beste tilbud til deg mellom 18 og 33 år med boliglån i Terra BoligKreditt som må være sikret med pant i fast eiendom innenfor 60 % av dokumentert markedsverdi. Ved låneopptak må du ha egenkapital og/eller tilleggssikkerhet slik at du for det endelige lånet kan tilby banken 60% sikkerhet. Lån med fast og flytende rente kan tilbys i Kvinesdal Sparebank med tilfredsstillende sikkerhet. Du må ha vurdert tilfredsstillende betalingsevne. 1833lånet tilbys deg som: * Har fast lønns- eller pensjonsinntekt som går inn på lønnskonto med tilknyttet Nettbank og kort hos oss og tilleggskort i Terra. * Har BSU konto hos oss med spareavtale. * Er totalkunde i Kvinesdal Sparebank med de produkter som dekker ditt behov innenfor lån, bankinnskudd, fond, aksjer, dagligbank og forsikring (visse unntak blir godtatt ved avtaleinngåelse på egen kundeavtale med like regler for alle). *Årlig innleverer kopi av siste års selvangivelse til Kvinesdal Sparebank. I tillegg til gunstig lånerente får du tilbud om årlig kundesamtale med en av våre kunderådgivere på lån og plassering, samt automatisk utregning av din pensjon etter det nye regelverket gjeldende fra 1.1.2011. Husk at på tilleggskort i Terra har du nå har mulighet til opparbeidelse av årlig bonus inntil kr 2.500,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@kvinesdalsparebank.no","href":"leverandor/bank/308","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nesgata 7 A","bb_adresse2":"","bb_postnr":"4480","bb_poststed":"Kvinesdal","bb_telefon":"38 35 88 60","bb_telefaks":"38 35 13 02","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","navn":"Kvinesdal Sparebank","visningsnavn":"Kvinesdal Sparebank","orgnr":"937894805","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":308},"produktpakke":{"navn":"1833lånet","leverandor":{"bb_epost":"post@kvinesdalsparebank.no","href":"leverandor/bank/308","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nesgata 7 A","bb_adresse2":"","bb_postnr":"4480","bb_poststed":"Kvinesdal","bb_telefon":"38 35 88 60","bb_telefaks":"38 35 13 02","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","navn":"Kvinesdal Sparebank","visningsnavn":"Kvinesdal Sparebank","orgnr":"937894805","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":308},"leverandorVisningsnavn":"Kvinesdal Sparebank","leverandorUrl":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","leverandorNavn":"Kvinesdal Sparebank","leverandorHref":"leverandor/bank/308","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178381","student":false,"spesielle_betingelser":"Produktpakken 1833lånet er vårt beste tilbud til deg mellom 18 og 33 år med boliglån i Terra BoligKreditt som må være sikret med pant i fast eiendom innenfor 60 % av dokumentert markedsverdi. Lån med fast og flytende rente kan tilbys i Kvinesdal Sparebank med tilfredsstillende sikkerhet. Du må ha vurdert tilfredsstillende betalingsevne. 1833lånet tilbys deg som: * Har fast lønns- eller pensjonsinntekt som går inn på lønnskonto med tilknyttet Nettbank og kort hos oss og tilleggskort i Terra. * Har BSU konto hos oss med spareavtale. * Er totalkunde i Kvinesdal Sparebank med de produkter som dekker ditt behov innenfor lån, bankinnskudd, fond, aksjer, dagligbank og forsikring (visse unntak blir godtatt ved avtaleinngåelse på egen kundeavtale med like regler for alle). *Årlig innleverer kopi av siste års selvangivelse til Kvinesdal Sparebank. I tillegg til gunstig lånerente får du tilbud om årlig kundesamtale med en av våre kunderådgivere på lån og plassering, samt automatisk utregning av din pensjon etter det nye regelverket gjeldende fra 1.1.2011. Husk at på tilleggskort i Terra har du nå har mulighet til opparbeidelse av årlig bonus inntil kr 2.500,-.","pensjonist":false,"min_alder":"18","maks_alder":"33","produktpakke_navn":"1833lånet","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178381},"leverandorVisningsnavn":"Kvinesdal Sparebank","leverandorUrl":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","leverandorNavn":"Kvinesdal Sparebank","leverandorHref":"leverandor/bank/308","produktpakkeHref":"bank/produktpakke/178381","href":"bank/boliglan/142218","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"1833lånet","maks_alder":"34","publiserFra":"23.01.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":142218},{"navn":"60% flytende rente","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Prisopplysninger forutsetter at lån plasseres helt eller delvis i Terra BoligKreditt.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"post@hsbank.no","href":"leverandor/bank/335","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 54","bb_adresse2":"","bb_postnr":"1941","bb_poststed":"Bjørkelangen","bb_telefon":"63 85 70 70","bb_telefaks":"63 85 61 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hsbank.no/Sider/forside.aspx","navn":"Høland og Setskog Sparebank","visningsnavn":"Høland og Setskog Sparebank","orgnr":"937885822","modified":"21.10.2011","modifier":"bl@holand-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":335},"produktpakke":{"navn":"AKTIV ","leverandor":{"bb_epost":"post@hsbank.no","href":"leverandor/bank/335","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 54","bb_adresse2":"","bb_postnr":"1941","bb_poststed":"Bjørkelangen","bb_telefon":"63 85 70 70","bb_telefaks":"63 85 61 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hsbank.no/Sider/forside.aspx","navn":"Høland og Setskog Sparebank","visningsnavn":"Høland og Setskog Sparebank","orgnr":"937885822","modified":"21.10.2011","modifier":"bl@holand-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":335},"leverandorVisningsnavn":"Høland og Setskog Sparebank","leverandorUrl":"http://www.hsbank.no/Sider/forside.aspx","leverandorNavn":"Høland og Setskog Sparebank","leverandorHref":"leverandor/bank/335","produktpakke_arsgebyr":"360","href":"bank/produktpakke/107330","student":false,"spesielle_betingelser":"Aktiv er et fordelsprogram til våre kunder som velger oss som totalleverandør av finansielle tjenester.  For å oppfylle kravene for å bli Aktiv kunde må du ha: - Lønnskonto/driftskonto med månedlig inngang - Nettbank – Personkort Aktiv kunder har følgende fordeler: - Aktivkonto med bedre rentebetingelser -   Gratis nettbank - Ingen årsgebyr på personkort. - 30 frie transaksjoner i mnd på personkort - Ingen omkostninger ved bruk av Avtalegiro Kanskje du allerede oppfyller kravet for å bli Aktiv kunde. Ta kontakt med oss i Høland og Setskog Sparebank i dag for mer informasjon eller les mer i vår brosjyre for ytterligere informasjon. Bli en Aktiv kunde du også!","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"AKTIV ","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"12.07.2010","published":true,"modified":"21.05.2012","modifier":"bl@holand-sparebank.no","oppfolging":false,"id":107330},"leverandorVisningsnavn":"Høland og Setskog Sparebank","leverandorUrl":"http://www.hsbank.no/Sider/forside.aspx","leverandorNavn":"Høland og Setskog Sparebank","leverandorHref":"leverandor/bank/335","produktpakkeHref":"bank/produktpakke/107330","href":"bank/boliglan/50033","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.07.2010","produktpakkeNavn":"AKTIV ","maks_alder":"100","publiserFra":"30.05.2012","published":true,"modified":"21.05.2012","modifier":"bl@holand-sparebank.no","oppfolging":false,"id":50033},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Ingen etableringsgebyr, gunstig boliglånsrente og lån inntil 85% av kjøpesum. Førstehjemslån tilbys kunder mellom 18 - 34 år og som skal kjøpe bolig for første gang. En av lånetakerne må være førstegangskjøper. En av låntakerne må være under 34 år. Lån inntil 85 % av kjøpesum med pant i boligen som skal kjøpes. Der det kan stilles tilleggssikkerhet kan det innvilges inntil 100% finansiering. Bankens beste boliglånsrente for førstehjemslån plassert helt eller delvis i Terra Boligkreditt. Inntil 30 års nedbetalingstid. Ingen etableringsgebyr. Ingen krav om BSU i forkant av låneopptaket. Vi anbefaler opprettelse av BSU-avtale. Vi tilbyr refinansiering av førstehjemslån i annen bank til nye vilkår. Egen kunderådgiver i banken. Forutsetter tegning av Aktiv.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,45","leverandor":{"bb_epost":"post@hsbank.no","href":"leverandor/bank/335","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 54","bb_adresse2":"","bb_postnr":"1941","bb_poststed":"Bjørkelangen","bb_telefon":"63 85 70 70","bb_telefaks":"63 85 61 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hsbank.no/Sider/forside.aspx","navn":"Høland og Setskog Sparebank","visningsnavn":"Høland og Setskog Sparebank","orgnr":"937885822","modified":"21.10.2011","modifier":"bl@holand-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":335},"produktpakke":{"navn":"AKTIV ","leverandor":{"bb_epost":"post@hsbank.no","href":"leverandor/bank/335","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 54","bb_adresse2":"","bb_postnr":"1941","bb_poststed":"Bjørkelangen","bb_telefon":"63 85 70 70","bb_telefaks":"63 85 61 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kontorene ligger på Bjørkelangen, Setskog, Hemnes og Løken i Aurskog-Høland kommune. 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I tillegg har banken rådgnivningskontor på Carl\r\n               Berners Plass og St. Hanshaugen i Oslo.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hsbank.no/Sider/forside.aspx","navn":"Høland og Setskog Sparebank","visningsnavn":"Høland og Setskog Sparebank","orgnr":"937885822","modified":"21.10.2011","modifier":"bl@holand-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":335},"leverandorVisningsnavn":"Høland og Setskog Sparebank","leverandorUrl":"http://www.hsbank.no/Sider/forside.aspx","leverandorNavn":"Høland og Setskog Sparebank","leverandorHref":"leverandor/bank/335","produktpakke_arsgebyr":"360","href":"bank/produktpakke/107330","student":false,"spesielle_betingelser":"Aktiv er et fordelsprogram til våre kunder som velger oss som totalleverandør av finansielle tjenester.  For å oppfylle kravene for å bli Aktiv kunde må du ha: - Lønnskonto/driftskonto med månedlig inngang - Nettbank – Personkort Aktiv kunder har følgende fordeler: - Aktivkonto med bedre rentebetingelser -   Gratis nettbank - Ingen årsgebyr på personkort. - 30 frie transaksjoner i mnd på personkort - Ingen omkostninger ved bruk av Avtalegiro Kanskje du allerede oppfyller kravet for å bli Aktiv kunde. Ta kontakt med oss i Høland og Setskog Sparebank i dag for mer informasjon eller les mer i vår brosjyre for ytterligere informasjon. Bli en Aktiv kunde du også!","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"AKTIV ","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"12.07.2010","published":true,"modified":"21.05.2012","modifier":"bl@holand-sparebank.no","oppfolging":false,"id":107330},"leverandorVisningsnavn":"Høland og Setskog Sparebank","leverandorUrl":"http://www.hsbank.no/Sider/forside.aspx","leverandorNavn":"Høland og Setskog Sparebank","leverandorHref":"leverandor/bank/335","produktpakkeHref":"bank/produktpakke/107330","href":"bank/boliglan/50029","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.07.2010","produktpakkeNavn":"AKTIV ","maks_alder":"34","publiserFra":"30.05.2012","published":true,"modified":"21.05.2012","modifier":"bl@holand-sparebank.no","oppfolging":false,"id":50029},{"navn":"Boliglån innenfor 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån innenfor 60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@hjelmeland-sparebank.no","href":"leverandor/bank/256","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 41","bb_adresse2":"","bb_postnr":"4130","bb_poststed":"Hjelmeland","bb_telefon":"51 75 44 00","bb_telefaks":"51 75 44 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3353/Sider/forside.aspx","navn":"Hjelmeland Sparebank","visningsnavn":"Hjelmeland Sparebank","orgnr":"937896581","modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":256},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@hjelmeland-sparebank.no","href":"leverandor/bank/256","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 41","bb_adresse2":"","bb_postnr":"4130","bb_poststed":"Hjelmeland","bb_telefon":"51 75 44 00","bb_telefaks":"51 75 44 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3353/Sider/forside.aspx","navn":"Hjelmeland Sparebank","visningsnavn":"Hjelmeland Sparebank","orgnr":"937896581","modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":256},"leverandorVisningsnavn":"Hjelmeland Sparebank","leverandorUrl":"https://www1.portalbank.no/3353/Sider/forside.aspx","leverandorNavn":"Hjelmeland Sparebank","leverandorHref":"leverandor/bank/256","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178399","student":false,"spesielle_betingelser":"For boliglån forutsettes det at kundeforhold etableres med bruks-/lønnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178399},"leverandorVisningsnavn":"Hjelmeland Sparebank","leverandorUrl":"https://www1.portalbank.no/3353/Sider/forside.aspx","leverandorNavn":"Hjelmeland Sparebank","leverandorHref":"leverandor/bank/256","produktpakkeHref":"bank/produktpakke/178399","href":"bank/boliglan/158782","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"17.06.2012","published":true,"modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","oppfolging":false,"id":158782},{"navn":"Lån 80%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 650","depotgebyr":"300","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Lån 80%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Primærområdet for boliglån er i første rekke kommuner på Nordmøre og i Sør-Trøndelag. Ut over dette er markedet  Oslo-området,\r\n               samt i og i nærheten av andre store norske byer. Alle søknader blir vurdert individuelt.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Surnadal Sparebank gir lån til de fleste formål, med forskjellig sikkerhet og til konkurransedyktige priser. Prisen blir fastsatt primært etter den sikkerhet kunden tilbyr, men det tas også hensyn til kundeforhold og betjeningsevne.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@bank.no","href":"leverandor/bank/369","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Surnadal Sparebank","bb_adresse2":"Postboks 54","bb_postnr":"6656","bb_poststed":"Surnadal","bb_telefon":"07166","bb_telefaks":"71 66 27 27","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke kommuner på Nordmøre og i Sør-Trøndelag. Ut over dette er markedet  Oslo-området,\r\n               samt i og i nærheten av andre store norske byer. Alle søknader blir vurdert individuelt.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankens primærområde er indre Nordmøre, men den teknologiske utvikling har bidratt til at vi også kan betjene våre kunder\r\n               i alle deler av landet - like enkelt som våre nærkunder.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bank.no","navn":"Surnadal Sparebank","visningsnavn":"Surnadal Sparebank","orgnr":"937900031","modified":"28.07.2011","modifier":"knut.haugen@bank.no","tilbyrSph":false,"oppfolging":false,"id":369},"leverandorVisningsnavn":"Surnadal Sparebank","leverandorUrl":"http://www.bank.no","leverandorNavn":"Surnadal Sparebank","leverandorHref":"leverandor/bank/369","produktpakkeHref":"","href":"bank/boliglan/46583","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"18.09.2012","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":46583},{"navn":"Boliglån 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån 60%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån inntil 60 % av eiendommens markedsverdi til nom. rente 3,50%.  Godkjent pant i fast eiendom; Enebolig, selveierleilighet og borettslag, fritidsbolig og tomt. Vi forutsetter 1. prioritets pant i bolig og tar forbehold om godkjennelse av panteobjektet. Det tas ikke pant i: Småbruk eller landbrukseiendommer,  aksje- eller obligasjonsleiligheter. Øvre beløpsgrense for boliglån i DinBANK.no er kr 6 mill. Du må også ha registrerte likningstall de 3 siste år for å kunne innvilges lån i DinBANK.no. Kunder som ønsker lån med sikkerhet i flere eiendommer vil få tilbud om ett lån pr. sikkerhet. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"3,50","leverandor":{"bb_epost":"Kundeservice@dinbank.no","href":"leverandor/bank/322","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 67","bb_adresse2":"","bb_postnr":"3301","bb_poststed":"Hokksund","bb_telefon":"09150","bb_telefaks":"32201280","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nettbanken DinBANK.no tilbyr banksparing og dagligbank-tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.dinbank.no","navn":"Din Bank","visningsnavn":"Din Bank (Sparebanken Øst)","orgnr":"937888937","modified":"06.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":322},"leverandorVisningsnavn":"Din Bank (Sparebanken Øst)","leverandorUrl":"http://www.dinbank.no","leverandorNavn":"Din Bank (Sparebanken Øst)","leverandorHref":"leverandor/bank/322","produktpakkeHref":"","href":"bank/boliglan/46635","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"01.08.2012","published":true,"modified":"13.02.2013","modifier":"gry.syversen@oest.no","oppfolging":false,"id":46635},{"navn":"Smart Flexilån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 900","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Smart Flexilån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Kunder må ha lønnsinngang/trygd/pensjon, bankkort og nettbank. Kr. 40.000.- i innskudd eller sparing på min kr. 500.- pr. mnd.* Og lånet må være konvertibelt til Boligkredittselskap.\r\n* Innskudd og sparing kan erstattes av Livsforsikring..  Se www.sr-bank.no/smartlan\r\n               for mer info\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"70","nominell_rente_1_a":"4,00","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt naturlige markedsområde er Rogaland, Vest-Agder, Aust-Agder og Hordaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sr-bank.no","navn":"SpareBank 1 SR-Bank","visningsnavn":"SpareBank 1 SR-Bank","orgnr":"937895321","modified":"06.06.2011","modifier":"nelly","tilbyrSph":true,"oppfolging":false,"id":340},"produktpakke":{"navn":"Smart-lån og Alltid","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt naturlige markedsområde er Rogaland, Vest-Agder, Aust-Agder og Hordaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sr-bank.no","navn":"SpareBank 1 SR-Bank","visningsnavn":"SpareBank 1 SR-Bank","orgnr":"937895321","modified":"06.06.2011","modifier":"nelly","tilbyrSph":true,"oppfolging":false,"id":340},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakke_arsgebyr":"0","href":"bank/produktpakke/172228","student":false,"spesielle_betingelser":"Beste pris til deg som benytter SpareBank 1 SR-Bank som hovedbank. Betingelser for å få smart lån: Lønnsinngang, nettbank og debetkort. Innskudd over 40.000,- eller sparing på minimum 500,- per måned (Innskudd eller sparing kan erstattes av  personforsikring), lånet må være overførbart til SpareBank 1 Boligkreditt A/S.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Smart-lån og Alltid","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"05.05.2009","published":true,"modified":"22.01.2012","modifier":"brigitte","oppfolging":false,"id":172228},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakkeHref":"bank/produktpakke/172228","href":"bank/boliglan/49307","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.05.2009","produktpakkeNavn":"Smart-lån og Alltid","maks_alder":"100","publiserFra":"12.03.2013","published":true,"modified":"11.03.2013","modifier":"oddvar.rettedal@sr-bank.no","oppfolging":false,"id":49307},{"navn":"Ordinært lån 75 % - 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Terminbeløp dvs. renter, avdrag og termingebyr vil bli belastet bruks-/lønnskontoen på avtalte terminer.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"20.02.2012","published":true,"modified":"20.02.2012","modifier":"brigitte","oppfolging":false,"id":178169},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/178169","href":"bank/boliglan/218009","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"20.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"15.03.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":218009},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 950","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Vilkårene gjelder for medlemmer i LO med gjeldsgrad (lån delt på inntekt) på under 3, og dokumenter eiendomsverdi. Med et Flexilån får du en låneramme som tilsvarer 70 prosent av boligens verdi. Du står fritt til å bruke lånerammen til det du selv vil, og uten å be banken om nytt lån. Fordeler med Flexilån: Enkelt og fleksibelt - penger tilgjengelig når du trenger det. Lånet disponeres via nettbank eller telefonbank. Du bestemmer selv når du vil betale avdrag så lenge du er innenfor lånerammen. Du betaler bare rente av benyttet kreditt. Renten belastes flexilånskontoen hver måned. Søk om flexilån på nett - få svar på dagen. Søknaden behandles automatisk. Vi tar likevel kontakt med deg for en gjennomgang når vi har mottatt søknaden. Er du kunde hos oss er det enda enklere å søke om flexilån inne i nettbanken. Avdragslån med sikkerhet etableringsgebyr kr 1950 kroner og termingebyr kr 75,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","max_belop_a":"1 999 999","termingebyr_1_a":"75","min_belop_b":"2 000 000","max_belop_b":"2 999 999","termingebyr_1_b":"75","min_belop_c":"3 000 000","termingebyr_1_c":"75","nominell_rente_1_a":"4,30","nominell_rente_1_b":"4,00","nominell_rente_1_c":"4,00","leverandor":{"bb_epost":"smn@smn.no","href":"leverandor/bank/342","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.smn.no","bytt_bank_url":"http://www.smn.no","bb_adresse1":"Postboks 4796 Sluppen","bb_adresse2":"","bb_postnr":"7467","bb_poststed":"Trondheim","bb_telefon":"07300","bb_telefaks":"73585810","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.smn.no","url":"http://www.smn.no","navn":"SpareBank 1 Midt-Norge","visningsnavn":"SpareBank 1 SMN","orgnr":"937901003","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":342},"produktpakke":{"navn":"LO-favør","leverandor":{"bb_epost":"smn@smn.no","href":"leverandor/bank/342","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.smn.no","bytt_bank_url":"http://www.smn.no","bb_adresse1":"Postboks 4796 Sluppen","bb_adresse2":"","bb_postnr":"7467","bb_poststed":"Trondheim","bb_telefon":"07300","bb_telefaks":"73585810","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.smn.no","url":"http://www.smn.no","navn":"SpareBank 1 Midt-Norge","visningsnavn":"SpareBank 1 SMN","orgnr":"937901003","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":342},"leverandorVisningsnavn":"SpareBank 1 SMN","leverandorUrl":"http://www.smn.no","leverandorNavn":"SpareBank 1 SMN","leverandorHref":"leverandor/bank/342","produktpakke_arsgebyr":"0","href":"bank/produktpakke/188706","student":false,"spesielle_betingelser":"Vilkårene gjelder for medlemmer i LO med gjeldsgrad (lån delt på inntekt) på under 3, og dokumentert eiendomsverdi. ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"LO-favør","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.05.2012","published":true,"modified":"04.05.2012","modifier":"brigitte","oppfolging":false,"id":188706},"leverandorVisningsnavn":"SpareBank 1 SMN","leverandorUrl":"http://www.smn.no","leverandorNavn":"SpareBank 1 SMN","leverandorHref":"leverandor/bank/342","produktpakkeHref":"bank/produktpakke/188706","href":"bank/boliglan/46565","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.05.2012","produktpakkeNavn":"LO-favør","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"arne.nypan@smn.no","oppfolging":false,"id":46565},{"navn":"Boliglån Ung","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån Ung","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Drømmer du om din første bolig, eller er du allerede klar for bolig nr 2? Med Boliglån Ung kan du låne inntil 85 % av kjøpesummen til bankens beste betingelser. Har du tilleggsikkerhet kan du låne inntil 100 %. Dine fordeler med Boliglån Ung: Lån til første og andre bolig. Lån inntil 85 % av kjøpesummen. Inntil 30 års nedbetalingstid. Mulighet for avdragsfri periode. \r\n\r\nVåre beste betinglser ved:\r\n - Lån over 2 millioner\r\n - Sikkerhet innenfor 85 %\r\n - Lønnsinngang, kort og nettbank\r\n - Fast månedlig sparing i bank eller fond på minimum kr 500,- ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"45","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"45","min_belop_c":"2 000 000","termingebyr_1_c":"45","nominell_rente_1_a":"4,35","nominell_rente_1_b":"4,00","nominell_rente_1_c":"3,55","leverandor":{"bb_epost":"direkte@sandnes-sparebank.no","href":"leverandor/bank/474","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www.sandnes-sparebank.no","bytt_bank_url":"https://www.sandnes-sparebank.no","bb_adresse1":"Vestre Svanholmen 4","bb_adresse2":"","bb_postnr":"4313","bb_poststed":"Sandnes","bb_telefon":"03260","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","marked_generell":"Landsdekkende","marked_generell_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www.sandnes-sparebank.no","url":"https://www.sandnes-sparebank.no","navn":"Sandnes Sparebank","visningsnavn":"Sandnes Sparebank","orgnr":"915691161","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":474},"produktpakke":{"navn":"Basis Ung","leverandor":{"bb_epost":"direkte@sandnes-sparebank.no","href":"leverandor/bank/474","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www.sandnes-sparebank.no","bytt_bank_url":"https://www.sandnes-sparebank.no","bb_adresse1":"Vestre Svanholmen 4","bb_adresse2":"","bb_postnr":"4313","bb_poststed":"Sandnes","bb_telefon":"03260","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","marked_generell":"Landsdekkende","marked_generell_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www.sandnes-sparebank.no","url":"https://www.sandnes-sparebank.no","navn":"Sandnes Sparebank","visningsnavn":"Sandnes Sparebank","orgnr":"915691161","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":474},"leverandorVisningsnavn":"Sandnes Sparebank","leverandorUrl":"https://www.sandnes-sparebank.no","leverandorNavn":"Sandnes Sparebank","leverandorHref":"leverandor/bank/474","produktpakke_arsgebyr":"0","href":"bank/produktpakke/808","student":false,"spesielle_betingelser":"Basis Ung er et unikt gebyrfritt produkt for deg mellom 18-33 år. Med Basis Ung betaler du ingen månedsgebyr, ingen årsgebyr, ingen kontogebyr - ingen gebyr i det hele tatt! Basis Ung inneholder: Lønns- og brukskonto. Visa Personkort. Visa Reservekort med Inntil kr 30.000,- i kreditt (valgfritt). Nettbank. Mobilbank. 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Basis inneholder: Lønns- og brukskonto. Visa Personkort. Visa Reservekort (Inntil kr 30.000 i kreditt). Nettbank og Mobilbank. 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Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Renten gjelder for del av lån mellom 75% og 80%. For å få lån i OBOS må du ha medlemsskap i OBOS med en årskontigent på 200 kr per år og en innmeldingsavgift på 300 kr.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,80","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.obos.no/?aid=1075","url":"http://www.obos.no/?aid=1075","navn":"OBOS Lån & Spar","visningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","orgnr":"937052766","modified":"29.10.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":357},"produktpakke":{"navn":"Medlemsskap i OBOS","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.obos.no/?aid=1075","url":"http://www.obos.no/?aid=1075","navn":"OBOS Lån & Spar","visningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","orgnr":"937052766","modified":"29.10.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":357},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorUrl":"http://www.obos.no/?aid=1075","leverandorNavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorHref":"leverandor/bank/357","produktpakke_arsgebyr":"500","href":"bank/produktpakke/528","student":false,"spesielle_betingelser":"Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. \n               \n               Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved\n               innmelding er et lovpålagt tegningsavgift og andelskapital. Medlemskapet gir dessuten en rekke andre fordeler som gjør at\n               du raskt kan spare inn medlemskontigenten: Forkjøpsrett til over 60 000 OBOS-boliger.\n               Mulighet til å leie en av våre 600 utleieboliger.\n               Blant markedets beste betingelser på lån og sparing.\n               Gode avtaler på forsikring, strøm og telefon.\n               Opp til 50 prosent rabatt på konserter, teater, opera og \n               idrettsarrangementer.\n               Kredittkort uten årspris og fakturagebyr.\n               Boligmagasinet OBOS-bladet tilsendt ni ganger i året.\n            ","pensjonist":false,"min_alder":"0","maks_alder":"100","produktpakke_navn":"Medlemsskap i OBOS","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.03.2010","published":true,"modified":"10.03.2010","modifier":"brigitte","oppfolging":false,"id":528},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorUrl":"http://www.obos.no/?aid=1075","leverandorNavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorHref":"leverandor/bank/357","produktpakkeHref":"bank/produktpakke/528","href":"bank/boliglan/46785","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.03.2010","produktpakkeNavn":"Medlemsskap i OBOS","maks_alder":"100","publiserFra":"09.05.2012","publiserTil":"17.06.2013","published":true,"modified":"25.04.2013","modifier":"brigitte","oppfolging":false,"id":46785},{"navn":"Fleksilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"950","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fleksilån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"For å få lån i OBOS må du ha medlemsskap i OBOS med en årskontigent på 200 kr per år og en innmeldingsavgift på 300 kr.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"50","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"50","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"50","min_belop_d":"2 000 000","termingebyr_1_d":"50","nominell_rente_1_a":"4,25","nominell_rente_1_b":"3,85","nominell_rente_1_c":"3,70","nominell_rente_1_d":"3,45","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.obos.no/?aid=1075","url":"http://www.obos.no/?aid=1075","navn":"OBOS Lån & Spar","visningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","orgnr":"937052766","modified":"29.10.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":357},"produktpakke":{"navn":"Medlemsskap i OBOS","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.obos.no/?aid=1075","url":"http://www.obos.no/?aid=1075","navn":"OBOS Lån & Spar","visningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","orgnr":"937052766","modified":"29.10.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":357},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorUrl":"http://www.obos.no/?aid=1075","leverandorNavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorHref":"leverandor/bank/357","produktpakke_arsgebyr":"500","href":"bank/produktpakke/528","student":false,"spesielle_betingelser":"Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. \n               \n               Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved\n               innmelding er et lovpålagt tegningsavgift og andelskapital. Medlemskapet gir dessuten en rekke andre fordeler som gjør at\n               du raskt kan spare inn medlemskontigenten: Forkjøpsrett til over 60 000 OBOS-boliger.\n               Mulighet til å leie en av våre 600 utleieboliger.\n               Blant markedets beste betingelser på lån og sparing.\n               Gode avtaler på forsikring, strøm og telefon.\n               Opp til 50 prosent rabatt på konserter, teater, opera og \n               idrettsarrangementer.\n               Kredittkort uten årspris og fakturagebyr.\n               Boligmagasinet OBOS-bladet tilsendt ni ganger i året.\n            ","pensjonist":false,"min_alder":"0","maks_alder":"100","produktpakke_navn":"Medlemsskap i OBOS","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.03.2010","published":true,"modified":"10.03.2010","modifier":"brigitte","oppfolging":false,"id":528},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og 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Se www.sr-bank.no/smartlan\r\n               for mer info\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. 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Betingelser for å få smart lån: Lønnsinngang, nettbank og debetkort. Innskudd over 40.000,- eller sparing på minimum 500,- per måned (Innskudd eller sparing kan erstattes av  personforsikring), lånet må være overførbart til SpareBank 1 Boligkreditt A/S.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Smart-lån og Alltid","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"05.05.2009","published":true,"modified":"22.01.2012","modifier":"brigitte","oppfolging":false,"id":172228},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakkeHref":"bank/produktpakke/172228","href":"bank/boliglan/46323","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.05.2009","produktpakkeNavn":"Smart-lån og Alltid","maks_alder":"34","publiserFra":"12.03.2013","published":true,"modified":"11.03.2013","modifier":"oddvar.rettedal@sr-bank.no","oppfolging":false,"id":46323},{"navn":"Boliglån 75 % Ekstra","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"375","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75 % Ekstra","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Lån over 75 % deles i to og det påløper dobbelt terminbeløp. 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Kort og betaling - Kombinert VISA og Minibank/Betalingskort uten årsgebyr. Ingen gebyrer på uttak i SpareBank 1s minibanker. Ingen gebyrer på varekjøp i Norge og i utlandet. Gebyrfri betalingsformidling ved bruk av AvtaleGiro, Nettbank og Telefonbank. Gebyrfrie nødkontanter inntil kr 40.000,-. Kontokreditt uten provisjon og etablerings-kostnader inntil kr 150.000,- etter kreditt-vurdering. Kun belastning av renter ved bruk. Lån - 0,25 til 0,45 prosentpoeng lavere rente på lån med sikkerhet i bolig. Halvt etablerings- og depotgebyr ved lån/refinansiering. 0,5 % lavere rente på lån med sikkerhet i bil via vår samarbeidspartner SpareBank 1 Finans Østlandet. Sparing - 25 % rabatt på kjøpsgebyr ved kjøp av fond og/eller Unit Link og/eller Livrente for minst kr 50.000,-. Bolig - \r\nKr 1.750,- i rabatt hos EiendomsMegler 1 ved salg av eiendom. Forsikring - 5 % rabatt på skadeforsikring i SpareBank 1. Medlemskapet gir grunnlag for å søke om kredittkortene  MasterCard/Visa Gold.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ekstra","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"15.04.2008","published":true,"modified":"02.02.2012","modifier":"brigitte","oppfolging":false,"id":608},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/608","href":"bank/boliglan/218013","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.04.2008","produktpakkeNavn":"Ekstra","maks_alder":"100","publiserFra":"15.03.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":218013},{"navn":"Boliglån 80% flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"600","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån 80% flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi skal være det naturlige bankvalget for alle i Oppdal og vi skal være en viktig bidragsyter og medspiller for å utvikle\n               bygda videre.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"post@oppdalsbanken.no","href":"leverandor/bank/355","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"O. 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Ta kontakt med banken for mer informasjon om kundeprogrammet.","pensjonist":false,"min_alder":"26","maks_alder":"60","produktpakke_navn":"Oppdal Aktiv voksen","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"3 600","publiserFra":"11.12.2007","published":true,"modified":"31.10.2012","modifier":"omv@oppdalsbanken.no","oppfolging":false,"id":205608},"leverandorVisningsnavn":"Oppdalsbanken (Opdals Sparebank)","leverandorUrl":"https://www1.portalbank.no/4266/Sider/forside.aspx","leverandorNavn":"Oppdalsbanken (Opdals Sparebank)","leverandorHref":"leverandor/bank/355","produktpakkeHref":"bank/produktpakke/205608","href":"bank/boliglan/46437","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.12.2007","produktpakkeNavn":"Oppdal Aktiv voksen","maks_alder":"100","publiserFra":"26.03.2012","published":true,"modified":"27.03.2013","modifier":"omv@oppdalsbanken.no","oppfolging":false,"id":46437},{"navn":"Boliglån innenfor 80%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 400","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån innenfor 80%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Haugesund Sparebank gir lån med pant i alle typer bolig: enebolig, rekkehus, selveierleilighet, leilighet i borettslag og fritidsboliger. Grunnlaget for vurdering av pantesikkerhet er forsvarlig verdi. Lånerenten fastsettes bl.a. ut fra pantesikkerhet og kundeforhold. Vi er fleksible når det gjelder nedbetalingstid. Avdragsfri periode kan også avtales. Avdragslån nedbetales normalt etter annuitetsprinsippet, dvs med like store terminbeløp over lånets løpetid. Terminbeløpet inkluderer avdrag, rente og andre lånekostnader. Antall betalingsterminer pr. år er vanligvis 12. Vi tilbyr også lån med faste avdrag (serielån). Alle lån innvilges etter kredittvurdering av låntaker. Det legges her vekt på bl.a. betalingsevne og betalingsvilje.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@haugesund-sparebank.no","href":"leverandor/bank/468","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"Haraldsgt. 115","bb_postnr":"5501","bb_poststed":"Haugesund","bb_telefon":"03240","bb_telefaks":"52705001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Haugesund Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til innbyggere i de kommunene som naturlig hører\n               inn under vårt distrikt (Haugalandet ) Det vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg\n               vil\n               vi også gjerne at utflyttede Haugalendinger beholder et kundeforhold til vår bank.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.haugesund-sparebank.no","navn":"Haugesund Sparebank","visningsnavn":"Haugesund Sparebank","orgnr":"837895502","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":468},"leverandorVisningsnavn":"Haugesund Sparebank","leverandorUrl":"http://www.haugesund-sparebank.no","leverandorNavn":"Haugesund Sparebank","leverandorHref":"leverandor/bank/468","produktpakkeHref":"","href":"bank/boliglan/47161","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"02.04.2013","published":true,"modified":"02.04.2013","modifier":"tos@haugesund-sparebank.no","oppfolging":false,"id":47161},{"navn":"Boliglån BSU innenfor 85%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 400","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån BSU innenfor 85%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Kunden må ha BSU-avtale i Haugesund Sparebank. Haugesund Sparebank gir lån med pant i alle typer bolig: enebolig, rekkehus, selveierleilighet, leilighet i borettslag og fritidsboliger. Grunnlaget for vurdering av pantesikkerhet er forsvarlig verdi. Lånerenten fastsettes bl.a. ut fra pantesikkerhet og kundeforhold. Vi er fleksible når det gjelder nedbetalingstid. Avdragsfri periode kan også avtales. 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Det legges her vekt på bl.a. betalingsevne og betalingsvilje.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"35","min_belop_b":"2 000 000","termingebyr_1_b":"35","nominell_rente_1_a":"3,95","nominell_rente_1_b":"3,75","leverandor":{"bb_epost":"post@haugesund-sparebank.no","href":"leverandor/bank/468","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"Haraldsgt. 115","bb_postnr":"5501","bb_poststed":"Haugesund","bb_telefon":"03240","bb_telefaks":"52705001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Haugesund Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til innbyggere i de kommunene som naturlig hører\n               inn under vårt distrikt (Haugalandet ) Det vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg\n               vil\n               vi også gjerne at utflyttede Haugalendinger beholder et kundeforhold til vår bank.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.haugesund-sparebank.no","navn":"Haugesund Sparebank","visningsnavn":"Haugesund Sparebank","orgnr":"837895502","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":468},"produktpakke":{"navn":"BSU-sparing","leverandor":{"bb_epost":"post@haugesund-sparebank.no","href":"leverandor/bank/468","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"Haraldsgt. 115","bb_postnr":"5501","bb_poststed":"Haugesund","bb_telefon":"03240","bb_telefaks":"52705001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Haugesund Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til innbyggere i de kommunene som naturlig hører\n               inn under vårt distrikt (Haugalandet ) Det vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg\n               vil\n               vi også gjerne at utflyttede Haugalendinger beholder et kundeforhold til vår bank.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.haugesund-sparebank.no","navn":"Haugesund Sparebank","visningsnavn":"Haugesund Sparebank","orgnr":"837895502","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":468},"leverandorVisningsnavn":"Haugesund Sparebank","leverandorUrl":"http://www.haugesund-sparebank.no","leverandorNavn":"Haugesund Sparebank","leverandorHref":"leverandor/bank/468","produktpakke_arsgebyr":"0","href":"bank/produktpakke/153081","student":false,"spesielle_betingelser":"For bankens betingelser på Førstehjemslån må kunden ha BSU-avtale i Haugesund Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU-sparing","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"21.09.2011","published":true,"modified":"21.09.2011","modifier":"brigitte","oppfolging":false,"id":153081},"leverandorVisningsnavn":"Haugesund Sparebank","leverandorUrl":"http://www.haugesund-sparebank.no","leverandorNavn":"Haugesund Sparebank","leverandorHref":"leverandor/bank/468","produktpakkeHref":"bank/produktpakke/153081","href":"bank/boliglan/47157","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.09.2011","produktpakkeNavn":"BSU-sparing","maks_alder":"34","publiserFra":"02.04.2013","published":true,"modified":"02.04.2013","modifier":"tos@haugesund-sparebank.no","oppfolging":false,"id":47157},{"navn":"Bustadlån for unge","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Bustadlån for unge","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. 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Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. 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For å bli Totalkunde må du ha følgende i Fornebubanken: • Lønnskonto med lønnsinngang • Nettbank/Telebank/Mobilbank • Debetkort. \r\nBoliglån forutsetter lønnskonto med lønnsinngang og betalingsformidling som nettbank, debetkort o.l.\r\n","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Totalkundeprogram","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"29.04.2010","published":true,"modified":"16.05.2012","modifier":"mk@fornebubanken.no","oppfolging":false,"id":490},"leverandorVisningsnavn":"Fornebu Sparebank","leverandorUrl":"http://www.fornebubanken.no","leverandorNavn":"Fornebu Sparebank","leverandorHref":"leverandor/bank/315","produktpakkeHref":"bank/produktpakke/490","href":"bank/boliglan/46139","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"29.04.2010","produktpakkeNavn":"Totalkundeprogram","maks_alder":"100","publiserFra":"16.05.2012","published":true,"modified":"16.01.2013","modifier":"pr@fornebubanken.no","oppfolging":false,"id":46139},{"navn":"Ungdomslån 75 % Ekstra","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"375","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Ungdomslån 75 % Ekstra","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Ungdomslån Total er et lån som tilbys kunder i alderen 18 – 33 år til meget gunstige betingelser. Krav til sikkerhet: Lånet skal ligge innenfor 85 % av verdigrunnlag. Ved lån utover 85 % kreves tilleggssikkerhet og god betalingsevne. Du må være Totalkunde i SpareBank 1 Oslo Akershus for å få lånet. For å kunne oppnå disse fordelene må kunden være totalkunde. Dette medfører at kunden har; Fordelsprogram Ung Student, Ekstra Total Bedrift. Ekstra Totalkunde, Lofavør Ung eller eller Lofavør Totalkunde. Lån over 75 % deles i to og det påløper dobbelt terminbeløp.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"produktpakke":{"navn":"Ekstra","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakke_arsgebyr":"900","href":"bank/produktpakke/608","student":false,"spesielle_betingelser":"Med Ekstra i SpareBank 1 Oslo Akershus får du gode fordeler som gjør din bruk av banken rimeligere og mer praktisk. Kort og betaling - Kombinert VISA og Minibank/Betalingskort uten årsgebyr. Ingen gebyrer på uttak i SpareBank 1s minibanker. Ingen gebyrer på varekjøp i Norge og i utlandet. Gebyrfri betalingsformidling ved bruk av AvtaleGiro, Nettbank og Telefonbank. Gebyrfrie nødkontanter inntil kr 40.000,-. Kontokreditt uten provisjon og etablerings-kostnader inntil kr 150.000,- etter kreditt-vurdering. Kun belastning av renter ved bruk. Lån - 0,25 til 0,45 prosentpoeng lavere rente på lån med sikkerhet i bolig. Halvt etablerings- og depotgebyr ved lån/refinansiering. 0,5 % lavere rente på lån med sikkerhet i bil via vår samarbeidspartner SpareBank 1 Finans Østlandet. Sparing - 25 % rabatt på kjøpsgebyr ved kjøp av fond og/eller Unit Link og/eller Livrente for minst kr 50.000,-. Bolig - \r\nKr 1.750,- i rabatt hos EiendomsMegler 1 ved salg av eiendom. Forsikring - 5 % rabatt på skadeforsikring i SpareBank 1. Medlemskapet gir grunnlag for å søke om kredittkortene  MasterCard/Visa Gold.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ekstra","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"15.04.2008","published":true,"modified":"02.02.2012","modifier":"brigitte","oppfolging":false,"id":608},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo 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Vi yter samme service for våre kunder uansett bosted.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.haltdalensparebank.no","navn":"Haltdalen Sparebank","visningsnavn":"Haltdalen Sparebank","orgnr":"837902622","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":true,"id":309},"produktpakke":{"navn":"AktivPluss","leverandor":{"bb_epost":"post@haltdalensparebank.no","href":"leverandor/bank/309","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"7383","bb_poststed":"Haltdalen","bb_telefon":"72405110","bb_telefaks":"72405111","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Haltdalen Sparebank ligger i Haltdalen i Holtålen Kommune. Banken er en selvstendig sparebank som gjennom sine gode tilbud\n               har fått mange personkunder utover hele landet. Vi yter samme service for våre kunder uansett bosted.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Haltdalen Sparebank ligger i Haltdalen i Holtålen Kommune. Banken er en selvstendig sparebank som gjennom sine gode tilbud\n               har fått mange personkunder utover hele landet. Vi yter samme service for våre kunder uansett bosted.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.haltdalensparebank.no","navn":"Haltdalen Sparebank","visningsnavn":"Haltdalen Sparebank","orgnr":"837902622","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":true,"id":309},"leverandorVisningsnavn":"Haltdalen Sparebank","leverandorUrl":"http://www.haltdalensparebank.no","leverandorNavn":"Haltdalen Sparebank","leverandorHref":"leverandor/bank/309","produktpakke_arsgebyr":"0","href":"bank/produktpakke/128086","student":false,"spesielle_betingelser":"Med lønnskonto med Visa, MasterCard, Terra forsikring, Nettbank med nettpost kombinert med alt. 1: innskudd min. 200', andre plasseringer og spareavtale eller alt. 2: lån innenfor 60% eller 80% av verdi og spareavtale. Får du bankens beste rente på kvartalskonto og boliglån, forsikring, gebyrfri nettbank, gebyrfrie varekjøp og uttak i minibank med Visa. I tillegg får du personlig rådgiver og årlig gjennomgang av ditt engasjement.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"AktivPluss","min_antall_produkter":"7","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"24.01.2011","published":true,"modified":"24.01.2011","modifier":"brigitte","oppfolging":false,"id":128086},"leverandorVisningsnavn":"Haltdalen Sparebank","leverandorUrl":"http://www.haltdalensparebank.no","leverandorNavn":"Haltdalen Sparebank","leverandorHref":"leverandor/bank/309","produktpakkeHref":"bank/produktpakke/128086","href":"bank/boliglan/48507","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"24.01.2011","produktpakkeNavn":"AktivPluss","maks_alder":"100","publiserFra":"31.10.2011","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":48507},{"navn":"utover 80% - flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"utover 80% - flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Bolig / leilighet / hytte / landsted. Sikkerhet med pant utover 75% av godkjent takst/omsetningsverdi fra 4,08%. Etableringsgebyr avhenger av lånebeløp. Etableringsgebyr for lån under kr 10.000,- 500,- er kr 500,-. For lån fra kr 10.000,- til kr 50.000,- er etableringsgebyret kr 1.500,-. For lån fra kr 50.000,- til kr 2.000.000,- er etableringsgebyret kr 2.000,-. For lån fra kr 2.000.000,- til 5.000.000,- er etableringsgebyret kr 4.000,- og for lån over kr 5.000.000,- og oppover er etableringsgebyret 0,1% av lånebeløp.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"50 000","max_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"4,08","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"produktpakke":{"navn":"Konto med lønnsinngang","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakke_arsgebyr":"0","href":"bank/produktpakke/200972","student":false,"spesielle_betingelser":"Ved låneopptak forutsetter termingebyr belastning av terminbeløp (renter, avdrag og termingebyr) på konto.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"12.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":200972},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakkeHref":"bank/produktpakke/200972","href":"bank/boliglan/46617","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.09.2012","produktpakkeNavn":"Konto med lønnsinngang","maks_alder":"100","publiserFra":"01.09.2012","published":true,"modified":"25.10.2012","modifier":"gm@aurskog-sparebank.no","oppfolging":false,"id":46617},{"navn":"60% - flytende rente","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% - flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Bustadlån innafor 60% av takst Kr.1.000.000, 20 år, mndl.forf. frå 3,70%. Belastning konto u/melding kr.35,00","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@aurlandsparebank.no","href":"leverandor/bank/289","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 13","bb_adresse2":"","bb_postnr":"5745","bb_poststed":"Aurland","bb_telefon":"57632600","bb_telefaks":"57632601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurlandsparebank.no","navn":"Aurland Sparebank","visningsnavn":"Aurland Sparebank","orgnr":"837898072","modified":"09.08.2011","modifier":"janfredrik.hagen@aurlandsparebank.no","tilbyrSph":false,"oppfolging":true,"id":289},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@aurlandsparebank.no","href":"leverandor/bank/289","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 13","bb_adresse2":"","bb_postnr":"5745","bb_poststed":"Aurland","bb_telefon":"57632600","bb_telefaks":"57632601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurlandsparebank.no","navn":"Aurland Sparebank","visningsnavn":"Aurland Sparebank","orgnr":"837898072","modified":"09.08.2011","modifier":"janfredrik.hagen@aurlandsparebank.no","tilbyrSph":false,"oppfolging":true,"id":289},"leverandorVisningsnavn":"Aurland Sparebank","leverandorUrl":"http://www.aurlandsparebank.no","leverandorNavn":"Aurland Sparebank","leverandorHref":"leverandor/bank/289","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201108","student":false,"spesielle_betingelser":"Brukskonto med lønnsinngang forutsettes for belastning av terminbeløp (renter, avdrag og termingebyr)på konto","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.09.2012","published":true,"modified":"13.09.2012","modifier":"brigitte","oppfolging":false,"id":201108},"leverandorVisningsnavn":"Aurland Sparebank","leverandorUrl":"http://www.aurlandsparebank.no","leverandorNavn":"Aurland Sparebank","leverandorHref":"leverandor/bank/289","produktpakkeHref":"bank/produktpakke/201108","href":"bank/boliglan/47825","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.09.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"06.07.2011","published":true,"modified":"30.10.2012","modifier":"brigitte","oppfolging":false,"id":47825},{"navn":"Førstehjemslån m/ panti i bolig m/ BSU sparing","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån m/ panti i bolig m/ BSU sparing","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelsar på lån til din fyrste bolig. Dette forutset at du har lønnskonto og BSU, samt egenkapital eller tilleggssikkerheit utanom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,45","leverandor":{"bb_epost":"post@hjelmeland-sparebank.no","href":"leverandor/bank/256","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 41","bb_adresse2":"","bb_postnr":"4130","bb_poststed":"Hjelmeland","bb_telefon":"51 75 44 00","bb_telefaks":"51 75 44 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3353/Sider/forside.aspx","navn":"Hjelmeland Sparebank","visningsnavn":"Hjelmeland Sparebank","orgnr":"937896581","modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":256},"produktpakke":{"navn":"BSU & lønnskonto","leverandor":{"bb_epost":"post@hjelmeland-sparebank.no","href":"leverandor/bank/256","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 41","bb_adresse2":"","bb_postnr":"4130","bb_poststed":"Hjelmeland","bb_telefon":"51 75 44 00","bb_telefaks":"51 75 44 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3353/Sider/forside.aspx","navn":"Hjelmeland Sparebank","visningsnavn":"Hjelmeland Sparebank","orgnr":"937896581","modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":256},"leverandorVisningsnavn":"Hjelmeland Sparebank","leverandorUrl":"https://www1.portalbank.no/3353/Sider/forside.aspx","leverandorNavn":"Hjelmeland Sparebank","leverandorHref":"leverandor/bank/256","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178394","student":false,"spesielle_betingelser":"Er du under 34 år får du ekstra gunstige betingelsar på lån til din fyrste bolig. Dette forutset at du har BSU, samt egenkapital eller tilleggssikkerheit utanom.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU & lønnskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"17.12.2007","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178394},"leverandorVisningsnavn":"Hjelmeland Sparebank","leverandorUrl":"https://www1.portalbank.no/3353/Sider/forside.aspx","leverandorNavn":"Hjelmeland Sparebank","leverandorHref":"leverandor/bank/256","produktpakkeHref":"bank/produktpakke/178394","href":"bank/boliglan/158796","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"17.12.2007","produktpakkeNavn":"BSU & lønnskonto","maks_alder":"34","publiserFra":"17.06.2012","published":true,"modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","oppfolging":false,"id":158796},{"navn":"Boliglån 80 % Alt på ein stad","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån 80 % Alt på ein stad","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@hjelmeland-sparebank.no","href":"leverandor/bank/256","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 41","bb_adresse2":"","bb_postnr":"4130","bb_poststed":"Hjelmeland","bb_telefon":"51 75 44 00","bb_telefaks":"51 75 44 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3353/Sider/forside.aspx","navn":"Hjelmeland Sparebank","visningsnavn":"Hjelmeland Sparebank","orgnr":"937896581","modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":256},"produktpakke":{"navn":"Alt på ein stad","leverandor":{"bb_epost":"post@hjelmeland-sparebank.no","href":"leverandor/bank/256","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 41","bb_adresse2":"","bb_postnr":"4130","bb_poststed":"Hjelmeland","bb_telefon":"51 75 44 00","bb_telefaks":"51 75 44 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hjelmeland Sparebank er banken i og for Ryfylke! Vi er 21 tilsette som fartar rundt i i Ryfylke - Hjelmeland, Strand, Forsand,\r\n               Suldal og Finnøy. Hjelmeland Sparebank er ein sjølvstendig bank med hovedkontor i Hjelmeland.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3353/Sider/forside.aspx","navn":"Hjelmeland Sparebank","visningsnavn":"Hjelmeland Sparebank","orgnr":"937896581","modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":256},"leverandorVisningsnavn":"Hjelmeland Sparebank","leverandorUrl":"https://www1.portalbank.no/3353/Sider/forside.aspx","leverandorNavn":"Hjelmeland Sparebank","leverandorHref":"leverandor/bank/256","produktpakke_arsgebyr":"0","href":"bank/produktpakke/140846","student":false,"spesielle_betingelser":"Med Alt på ein stad samler du banktjenestene dine i Hjelmeland Sparebank. Spesielle betingelser gjelder - kontakt Hjelmeland Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Alt på ein stad","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"500","publiserFra":"07.06.2011","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":140846},"leverandorVisningsnavn":"Hjelmeland Sparebank","leverandorUrl":"https://www1.portalbank.no/3353/Sider/forside.aspx","leverandorNavn":"Hjelmeland Sparebank","leverandorHref":"leverandor/bank/256","produktpakkeHref":"bank/produktpakke/140846","href":"bank/boliglan/158793","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"07.06.2011","produktpakkeNavn":"Alt på ein stad","maks_alder":"100","publiserFra":"17.06.2012","published":true,"modified":"13.12.2012","modifier":"susanna@hjelmeland-sparebank.no","oppfolging":false,"id":158793},{"navn":"Fleksibelt boliglån","max_lopetid":"10","kap_periode":"1","provisjon":"0,016","etableringsgebyr":"1 400","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fleksibelt boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Fleksibelt boliglån må være innenfor 70 % av boligens verdi og opplyst lånerente i Finansportalen forutsetter at lånet er innenfor 60 % av boligens verdi. Lånet fungerer som en rammekreditt hvor du betaler renter og omkostninger i forhold til hvor mye du bruker av kreditten, og der du selv kan betale tilbake når du ønsker. Med Fleksibelt boliglån er du din egen banksjef. Du har penger disponibelt når du trenger dem, enten det er uforutsette utgifter som dukker opp, eller at det er på tide å gi liv til drømmen om ny bil, ny båt eller en reise. Pengene styrer du via nettbanken. Vi anbefaler at du har en egen nedbetalingsplan for det du bruker av kreditten. Du bør også ha rom for å tåle en renteøkning på 3-4 prosentpoeng over de neste årene. Med det som utgangspunkt vil Fleksibelt boliglån gi deg større økonomisk frihet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@haugesund-sparebank.no","href":"leverandor/bank/468","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"Haraldsgt. 115","bb_postnr":"5501","bb_poststed":"Haugesund","bb_telefon":"03240","bb_telefaks":"52705001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Haugesund Sparebank tilbyr lån til innbyggere i de kommunene som naturlig hører inn under vårt distrikt (Haugalandet ) Det\n               vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg til dette gir vi også lån til utflyttede\n               Haugalendinger\n               som har et kundeforhold til vår bank. Vi har i alle år stilt krav til egenkapital og tilleggssikkerhet ved kjøp av bolig.\n               Inntekt har og er altid avgjørende ved innvilgelse av lån ( 3 ganger brutto lønn). Egenkapital ca. 20 % eller tilleggssikkerhet.\n               Vi gir fortsatt mellomfinansiering til de som kjøper bolig i vårt distrikt.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Haugesund Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til innbyggere i de kommunene som naturlig hører\n               inn under vårt distrikt (Haugalandet ) Det vil si - Haugesund, Karmøy, Utsira, Bømlo, Tysvær, Vindafjord og Sveio. I tillegg\n               vil\n               vi også gjerne at utflyttede Haugalendinger beholder et kundeforhold til vår bank.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.haugesund-sparebank.no","navn":"Haugesund Sparebank","visningsnavn":"Haugesund Sparebank","orgnr":"837895502","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":468},"leverandorVisningsnavn":"Haugesund Sparebank","leverandorUrl":"http://www.haugesund-sparebank.no","leverandorNavn":"Haugesund Sparebank","leverandorHref":"leverandor/bank/468","produktpakkeHref":"","href":"bank/boliglan/47159","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"02.04.2013","published":true,"modified":"02.04.2013","modifier":"tos@haugesund-sparebank.no","oppfolging":false,"id":47159},{"navn":"Fastrentelån 5 år 75 % ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 200","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Fastrentelån 5 år 75 % ","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"5","forbehold":"Det forutsettes at Danske Bank benyttes i det daglige, dvs. bruk av kort og regningsbetaling via Danske Bank. Dette kan gjøres helt gebyrfritt. Gratis etableringsgbyr ved søknad via danskebank.no.     ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"45","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"08540@danskebank.no","href":"leverandor/bank/464","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.danskebank.no","bytt_bank_url":"http://www.danskebank.no","bb_adresse1":"Søndregate 13-15","bb_adresse2":"","bb_postnr":"7466","bb_poststed":"Trondheim","bb_telefon":"08540","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Danske Bank er landsdekkende og tilbyr banksparing og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.danskebank.no","url":"http://www.danskebank.no","navn":"Danske Bank","visningsnavn":"Danske Bank","orgnr":"977074010","modified":"15.11.2012","modifier":"Roar.kvello@danskebank.no","tilbyrSph":false,"oppfolging":false,"id":464},"produktpakke":{"navn":"Aktiv dagligbank","leverandor":{"bb_epost":"08540@danskebank.no","href":"leverandor/bank/464","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.danskebank.no","bytt_bank_url":"http://www.danskebank.no","bb_adresse1":"Søndregate 13-15","bb_adresse2":"","bb_postnr":"7466","bb_poststed":"Trondheim","bb_telefon":"08540","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Danske Bank er landsdekkende og tilbyr banksparing og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.danskebank.no","url":"http://www.danskebank.no","navn":"Danske Bank","visningsnavn":"Danske Bank","orgnr":"977074010","modified":"15.11.2012","modifier":"Roar.kvello@danskebank.no","tilbyrSph":false,"oppfolging":false,"id":464},"leverandorVisningsnavn":"Danske Bank","leverandorUrl":"http://www.danskebank.no","leverandorNavn":"Danske Bank","leverandorHref":"leverandor/bank/464","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189070","student":false,"spesielle_betingelser":"Aktiv dagligbank innebærer at du bruker kort fra Danske Bank og betaler regningene via våre løsninger. Du bestemmer selv hvilke kort du vil bruke og hvordan du vil betale regningene dine. Det er ikke noe krav om at du må benytte kredittkort. Å bruke oss i det daglige kan du gjøre helt gebyrfritt. Årsavgift kort for Basis og 24/7 er kr 275, mens 24/7 ung er gratis.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Aktiv dagligbank","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.05.2012","published":true,"modified":"11.06.2013","modifier":"roar.kvello@danskebank.no","oppfolging":false,"id":189070},"leverandorVisningsnavn":"Danske Bank","leverandorUrl":"http://www.danskebank.no","leverandorNavn":"Danske Bank","leverandorHref":"leverandor/bank/464","produktpakkeHref":"bank/produktpakke/189070","href":"bank/boliglan/45755","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.05.2012","produktpakkeNavn":"Aktiv dagligbank","maks_alder":"100","publiserFra":"23.04.2013","published":true,"modified":"23.04.2013","modifier":"roar.kvello@danskebank.no","oppfolging":false,"id":45755},{"navn":"Boliglån m/ Fastrente 10 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån m/ Fastrente 10 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nordea Bank Norge tilbyr boliglån til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"10","forbehold":"Vi tar forbehold om renteendringer. Renten fastsettes på dagen lånet utbetales. Termingebyr forutsetter at renter og avdrag belastes konto. Tilbudet gjelder også Boliglån UNG og etableringsomkostninger er kr 0,- etter sparing i BSU.\r\n\r\nRenten gjelder kunder med tilhørighet i kundeprogrammene Fordel Pluss og Premium. 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Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"For å åpne en OBOS-konto må du ha medlemsskap i OBOS med en årskontigent på 200 kr per år og en innmeldingsavgift på 300 kr.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,45","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. 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Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. 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De 300 kronene du betaler \"ekstra\" ved\n               innmelding er et lovpålagt tegningsavgift og andelskapital. Medlemskapet gir dessuten en rekke andre fordeler som gjør at\n               du raskt kan spare inn medlemskontigenten: Forkjøpsrett til over 60 000 OBOS-boliger.\n               Mulighet til å leie en av våre 600 utleieboliger.\n               Blant markedets beste betingelser på lån og sparing.\n               Gode avtaler på forsikring, strøm og telefon.\n               Opp til 50 prosent rabatt på konserter, teater, opera og \n               idrettsarrangementer.\n               Kredittkort uten årspris og fakturagebyr.\n               Boligmagasinet OBOS-bladet tilsendt ni ganger i året.\n            ","pensjonist":false,"min_alder":"0","maks_alder":"100","produktpakke_navn":"Medlemsskap i OBOS","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.03.2010","published":true,"modified":"10.03.2010","modifier":"brigitte","oppfolging":false,"id":528},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorUrl":"http://www.obos.no/?aid=1075","leverandorNavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorHref":"leverandor/bank/357","produktpakkeHref":"bank/produktpakke/528","href":"bank/boliglan/46781","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.03.2010","produktpakkeNavn":"Medlemsskap i OBOS","maks_alder":"34","publiserFra":"09.05.2012","publiserTil":"17.06.2013","published":true,"modified":"25.04.2013","modifier":"brigitte","oppfolging":false,"id":46781},{"navn":"Eika Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 200","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Eika Boligkreditt","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Termingebyr forutsettes å kunne belastes brukskonto i Vik Sparebank","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"nettpost@viksparebank.no","href":"leverandor/bank/435","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 174","bb_adresse2":"","bb_postnr":"6891","bb_poststed":"Vik i Sogn","bb_telefon":"57698850","bb_telefaks":"57698870","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"nettpost@viksparebank.no","href":"leverandor/bank/435","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 174","bb_adresse2":"","bb_postnr":"6891","bb_poststed":"Vik i Sogn","bb_telefon":"57698850","bb_telefaks":"57698870","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakke_arsgebyr":"0","href":"bank/produktpakke/218200","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at terminbeløp (renter, avdrag og termingebyr) for lånet belastes konto i Vik Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"30.01.2013","published":true,"modified":"30.01.2013","modifier":"brigitte","oppfolging":false,"id":218200},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakkeHref":"bank/produktpakke/218200","href":"bank/boliglan/142169","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"30.01.2013","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"23.04.2013","published":true,"modified":"29.04.2013","modifier":"britt@viksparebank.no","oppfolging":false,"id":142169},{"navn":"Boligkreditt 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boligkreditt 75%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Tinn Sparebank er en lokalbank og  leverandør av finansielle tjenester til kunder og små og mellom-store bedrifter i Tinn og Vinje kommuner, samt i Haugesundområdet. 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","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Tinn Sparebank er en lokalbank og  leverandør av finansielle tjenester til kunder og små og mellom-store bedrifter i Tinn og Vinje kommuner, samt i Haugesundområdet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.tinnbank.no","navn":"Tinn Sparebank","visningsnavn":"Tinn Sparebank","orgnr":"937891423","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":306},"leverandorVisningsnavn":"Tinn Sparebank","leverandorUrl":"http://www.tinnbank.no","leverandorNavn":"Tinn Sparebank","leverandorHref":"leverandor/bank/306","produktpakkeHref":"","href":"bank/boliglan/49515","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"01.05.2013","published":true,"modified":"08.05.2013","modifier":"karihov@tinnbank.no","oppfolging":false,"id":49515},{"navn":"1. prioritets boliglån innenfor 80% av takst","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"1. prioritets boliglån innenfor 80% av takst","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bankens virksomhet retter seg i hovedsak mot lokale kunder, så vel personkunder som næringsliv. Imidlertid har vi også mange\r\n               kunder i regionen, og faktisk over hele landet, vesentlig utflyttede Gildeskålværinger.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån gis fortrinnsvis til allerede eksisterende kunder og søkere i bankens nærmiljø","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"post.til@gspb.no","href":"leverandor/bank/314","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 25","bb_adresse2":"","bb_postnr":"8138","bb_poststed":"Inndyr","bb_telefon":"75 75 78 20","bb_telefaks":"75 75 78 21","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bankens virksomhet retter seg i hovedsak mot lokale kunder, så vel personkunder som næringsliv. 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Imidlertid har vi også mange\r\n               kunder i regionen, og faktisk over hele landet, vesentlig utflyttede Gildeskålværinger.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gspb.no","navn":"Gildeskål Sparebank","visningsnavn":"Gildeskål Sparebank","orgnr":"937904673","modified":"02.04.2013","modifier":"hc@gspb.no","tilbyrSph":false,"oppfolging":false,"id":314},"leverandorVisningsnavn":"Gildeskål Sparebank","leverandorUrl":"http://www.gspb.no","leverandorNavn":"Gildeskål Sparebank","leverandorHref":"leverandor/bank/314","produktpakkeHref":"","href":"bank/boliglan/48223","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"12.11.2011","published":true,"modified":"03.02.2012","modifier":"brigitte","oppfolging":false,"id":48223},{"navn":"Flexi-lån 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexi-lån 70 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Tinn Sparebank er en lokalbank og  leverandør av finansielle tjenester til kunder og små og mellom-store bedrifter i Tinn og Vinje kommuner, samt i Haugesundområdet. 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Kontakt din rådgiver og få hjelp til å søke!","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"bankbytte@tinnbank.no","href":"leverandor/bank/306","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 73","bb_adresse2":"","bb_postnr":"3661","bb_poststed":"Rjukan","bb_telefon":"35 08 08 00","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Tinn Sparebank er en lokalbank og  leverandør av finansielle tjenester til kunder og små og mellom-store bedrifter i Tinn og Vinje kommuner, samt i Haugesundområdet. ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Tinn Sparebank er en lokalbank og  leverandør av finansielle tjenester til kunder og små og mellom-store bedrifter i Tinn og Vinje kommuner, samt i Haugesundområdet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.tinnbank.no","navn":"Tinn Sparebank","visningsnavn":"Tinn Sparebank","orgnr":"937891423","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":306},"leverandorVisningsnavn":"Tinn Sparebank","leverandorUrl":"http://www.tinnbank.no","leverandorNavn":"Tinn Sparebank","leverandorHref":"leverandor/bank/306","produktpakkeHref":"","href":"bank/boliglan/49507","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"34","publiserFra":"01.05.2013","published":true,"modified":"08.05.2013","modifier":"karihov@tinnbank.no","oppfolging":false,"id":49507},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Har primært Ørland kommune som sitt markedsområde.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Ørland Sparebank tilbyr alle typer lån. Ingen kunder er i samme situasjon. Vi behandler hver lånesøknad individuelt og tilpasser låneavtalen til kundens forutsetninger og behov. Renten fastsettes i forbindelse med kredittgivningen. Etableringsgebyr 1 % - minimum kr 500,- og maksimalt kr 1500,-. Offentlige omkostninger kommer i tillegg.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"4,05","leverandor":{"bb_epost":"post@orland-sparebank.no","href":"leverandor/bank/353","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks40","bb_adresse2":"","bb_postnr":"7129","bb_poststed":"Brekstad","bb_telefon":"04290","bb_telefaks":"42 52 30 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Har primært Ørland kommune som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Har primært Ørland kommune som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orland-sparebank.no","navn":"Ørland Sparebank","visningsnavn":"Ørland Sparebank","orgnr":"937901925","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":353},"produktpakke":{"navn":"Totalkunde","leverandor":{"bb_epost":"post@orland-sparebank.no","href":"leverandor/bank/353","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks40","bb_adresse2":"","bb_postnr":"7129","bb_poststed":"Brekstad","bb_telefon":"04290","bb_telefaks":"42 52 30 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Har primært Ørland kommune som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Har primært Ørland kommune som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orland-sparebank.no","navn":"Ørland Sparebank","visningsnavn":"Ørland Sparebank","orgnr":"937901925","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":353},"leverandorVisningsnavn":"Ørland Sparebank","leverandorUrl":"http://www.orland-sparebank.no","leverandorNavn":"Ørland Sparebank","leverandorHref":"leverandor/bank/353","produktpakke_arsgebyr":"600","href":"bank/produktpakke/772","student":false,"spesielle_betingelser":"Totalkundeavtale med Ørland Sparebank er lønnsomt. Mange av kundene i Ørland Sparebank har valgt å inngå en totalkundeavtale med banken. De som velger å bruke banken på flere områder oppnår nå enda flere fordeler. Personlig rådgivning. Personkonto med rimelig brukskreditt. Totalkonto - sparekonto/brukskonto med fri bruk. Boligsparing for ungdom - høyere innskuddsrente. Sparebankkort Visa med gratis bruk i alle landets minibanker. Nettbank - gratis etablering og ingen månedsleie. Nettgiro og telegiro gratis. Avtalegiro og eFaktura gratis. Terra Gold kredittkort. Terra Vivo - kredittkort for ungdom. Rabatt på skadeforsikring. Forskudd på studielån uten etableringsomkostninger. Boliglån og Førstehjemslån til gunstig rente. Samme PIN-kode for alle dine kort i Ørland Sparebank. 24 timers sperretjeneste for alle kort i Ørland Sparebank. For alle disse fordelene betaler du en medlemsavgift på kr. 50,- pr. mnd. For ungdom under 26 år er avgiften kr. 20,- pr. mnd. Ta kontakt med oss i Ørland Sparebank for spørsmål om Totalkundeavtale.","pensjonist":false,"min_alder":"26","maks_alder":"100","produktpakke_navn":"Totalkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.12.2007","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":772},"leverandorVisningsnavn":"Ørland Sparebank","leverandorUrl":"http://www.orland-sparebank.no","leverandorNavn":"Ørland Sparebank","leverandorHref":"leverandor/bank/353","produktpakkeHref":"bank/produktpakke/772","href":"bank/boliglan/46837","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.12.2007","produktpakkeNavn":"Totalkunde","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"31.05.2013","modifier":"tb@orland-sparebank.no","oppfolging":false,"id":46837},{"navn":"Bustadlån innanfor 80%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Bustadlån innanfor 80%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Lokalbank på Voss","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån med pant i fast bustad. Ved innvilgelse av boliglån forutsettes det at du etablerer kundeforhold med bruks-/lønnskonto med lønnsinngang og nettbank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"15","nominell_rente_1_a":"4,55","leverandor":{"bb_epost":"post@vekselbanken.no","href":"leverandor/bank/296","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56523500","bb_telefaks":"56512747","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Lokalbank på Voss","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Lokalbank på Voss","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vekselbanken.no","navn":"Voss Veksel- og Landmandsbank ASA","visningsnavn":"Voss Veksel- og Landmandsbank ASA","orgnr":"817244742","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":296},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@vekselbanken.no","href":"leverandor/bank/296","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56523500","bb_telefaks":"56512747","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Lokalbank på Voss","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Lokalbank på Voss","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vekselbanken.no","navn":"Voss Veksel- og Landmandsbank ASA","visningsnavn":"Voss Veksel- og Landmandsbank ASA","orgnr":"817244742","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":296},"leverandorVisningsnavn":"Voss Veksel- og Landmandsbank ASA","leverandorUrl":"http://www.vekselbanken.no","leverandorNavn":"Voss Veksel- og Landmandsbank ASA","leverandorHref":"leverandor/bank/296","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178551","student":false,"spesielle_betingelser":"Ved innvilgelse av boliglån forutsettes det at du etablerer kundeforhold i banken med bruks-/lønnskonto med lønnsinngang og nettbank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"24.01.2011","published":true,"modified":"24.02.2012","modifier":"brigitte","oppfolging":false,"id":178551},"leverandorVisningsnavn":"Voss Veksel- og Landmandsbank ASA","leverandorUrl":"http://www.vekselbanken.no","leverandorNavn":"Voss Veksel- og Landmandsbank ASA","leverandorHref":"leverandor/bank/296","produktpakkeHref":"bank/produktpakke/178551","href":"bank/boliglan/48075","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"24.01.2011","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"10.10.2011","published":true,"modified":"07.05.2012","modifier":"norvald.fretheim@vekselbanken.no","oppfolging":false,"id":48075},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Flexilån er lånet som gjev deg økonomisk fridom til å finansiere det du ønskjer deg. Den kreditten du får innvilga, har du tilgjengeleg for dine eigne val og ønske. Det kan for eksempel vere bilkjøp, båt, oppussing, møblar, reise osv. Det er eit fleksibelt alternativ til eit vanleg bustadlån. Pengane er tilgjengelege når du treng dei. Du bestemmer kor mykje du vil trekkje av kreditten. Det er ikkje nødvendig å kontakte banken når du skal finansiere noko nytt, så lenge du held deg innanfor kredittgrensa. Det kjem på renter berre av det beløpet som til kvar tid er opptrekt. Renter og avdrag bestemmer du sjølv når du vil betale, så lenge kredittramma ikkje blir overskridd. Du kan få lån dersom du kan tilby panttrygd innanfor 60 % av forsvarleg verdi på bustaden din. Som eit eksempel kan vi tenkje oss at du har ein forsvarleg bustadverdi på kr 2 000 000,-. Du vil da kunne få ei flexilånsramme på inntil kr 1 200 000,-. Dersom det eksisterande bustadlånet ditt utgjer kr 900 000,-, vil du kunne disponere differansen på kr 300 000,-. Låneramma kan du disponere fritt gjennom NettBanken. Rammebeløpet blir knytt opp mot ein konto. Via kontoen kan du overføre pengar eller betale rekningar direkte. Alle lån innvilges etter kredittvurdering av lånetaker. Vi legger vekt på bl.a. betalingsevne og -vilje. Etableringsgebyr fra kr.750,-, depotgebyr kr.750,-. Termingebyr kr.50,-   ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"sparebanken@bo-bank.no","href":"leverandor/bank/286","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Bøgata 69","bb_adresse2":"Postboks 114","bb_postnr":"3833","bb_poststed":"Bø i Telemark","bb_telefon":"35060900","bb_telefaks":"35060920","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. 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Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bo-bank.no","navn":"Bø Sparebank","visningsnavn":"Bø Sparebank","orgnr":"937891512","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":286},"leverandorVisningsnavn":"Bø Sparebank","leverandorUrl":"http://www.bo-bank.no","leverandorNavn":"Bø Sparebank","leverandorHref":"leverandor/bank/286","produktpakke_arsgebyr":"0","href":"bank/produktpakke/209210","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med 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","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo 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Terminbeløp dvs. renter, avdrag og termingebyr vil bli belastet bruks-/lønnskontoen på avtalte terminer.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"20.02.2012","published":true,"modified":"20.02.2012","modifier":"brigitte","oppfolging":false,"id":178169},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/178169","href":"bank/boliglan/46207","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"20.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"12.02.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":46207},{"navn":"Førstehjemslån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"2","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig.  ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@hjartdalbanken.no","href":"leverandor/bank/336","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3665","bb_poststed":"Sauland","bb_telefon":"35028400","bb_telefaks":"35028401","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hjartdalbanken.no","navn":"Hjartdal og Gransherad Sparebank","visningsnavn":"Hjartdal og Gransherad Sparebank","orgnr":"937893299","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":336},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@hjartdalbanken.no","href":"leverandor/bank/336","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3665","bb_poststed":"Sauland","bb_telefon":"35028400","bb_telefaks":"35028401","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hjartdalbanken.no","navn":"Hjartdal og Gransherad Sparebank","visningsnavn":"Hjartdal og Gransherad Sparebank","orgnr":"937893299","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":336},"leverandorVisningsnavn":"Hjartdal og Gransherad Sparebank","leverandorUrl":"http://www.hjartdalbanken.no","leverandorNavn":"Hjartdal og Gransherad Sparebank","leverandorHref":"leverandor/bank/336","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178262","student":false,"spesielle_betingelser":"For boliglån forutsettes det at kundeforhold med bruks-/lønnskonto med lønnsinngang etableres.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178262},"leverandorVisningsnavn":"Hjartdal og Gransherad Sparebank","leverandorUrl":"http://www.hjartdalbanken.no","leverandorNavn":"Hjartdal og Gransherad Sparebank","leverandorHref":"leverandor/bank/336","produktpakkeHref":"bank/produktpakke/178262","href":"bank/boliglan/46127","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"34","publiserFra":"26.03.2013","published":true,"modified":"27.03.2013","modifier":"thor.bjorlin@hjartdalbanken.no","oppfolging":false,"id":46127},{"navn":"Førstehjemslån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Drangedal og Tørdal Sparebank er en solid og selvstendig sparebank med lokal forankring. Banken har kontorer i Drangedal sentrum,\n               i Sannidal i Kragerø kommune og i Storgt. 96 C i Porsgrunn. Nettopp fordi vi er en liten lokal sparebank har vi god kontakt\n               og et personlig forhold til kundene, i tillegg til at vi er konkurransedyktige på alle plan.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Forutsetter BSU konto med innestående minimum kr 15.000.- og første bolig. Snittrente er opplyst. Endelig rente avhenger av individuell vurdering.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@drangedalsbanken.no","href":"leverandor/bank/321","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Strandgt. 8","bb_adresse2":"","bb_postnr":"3750","bb_poststed":"Drangedal","bb_telefon":"35997400","bb_telefaks":"35997410","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Drangedal og Tørdal Sparebank er en solid og selvstendig sparebank med lokal forankring. Banken har kontorer i Drangedal sentrum,\n               i Sannidal i Kragerø kommune og i Storgt. 96 C i Porsgrunn. Nettopp fordi vi er en liten lokal sparebank har vi god kontakt\n               og et personlig forhold til kundene, i tillegg til at vi er konkurransedyktige på alle plan.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Drangedal og Tørdal Sparebank er en solid og selvstendig sparebank med lokal forankring. Banken har kontorer i Drangedal sentrum,\n               i Sannidal i Kragerø kommune og i Storgt. 96 C i Porsgrunn. Nettopp fordi vi er en liten lokal sparebank har vi god kontakt\n               og et personlig forhold til kundene, i tillegg til at vi er konkurransedyktige på alle plan.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.drangedalsbanken.no","navn":"Drangedal og Tørdal Sparebank","visningsnavn":"Drangedal og Tørdal Sparebank","orgnr":"937891601","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":321},"produktpakke":{"navn":"BSU-sparing","leverandor":{"bb_epost":"post@drangedalsbanken.no","href":"leverandor/bank/321","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Strandgt. 8","bb_adresse2":"","bb_postnr":"3750","bb_poststed":"Drangedal","bb_telefon":"35997400","bb_telefaks":"35997410","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Drangedal og Tørdal Sparebank er en solid og selvstendig sparebank med lokal forankring. Banken har kontorer i Drangedal sentrum,\n               i Sannidal i Kragerø kommune og i Storgt. 96 C i Porsgrunn. Nettopp fordi vi er en liten lokal sparebank har vi god kontakt\n               og et personlig forhold til kundene, i tillegg til at vi er konkurransedyktige på alle plan.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Drangedal og Tørdal Sparebank er en solid og selvstendig sparebank med lokal forankring. Banken har kontorer i Drangedal sentrum,\n               i Sannidal i Kragerø kommune og i Storgt. 96 C i Porsgrunn. Nettopp fordi vi er en liten lokal sparebank har vi god kontakt\n               og et personlig forhold til kundene, i tillegg til at vi er konkurransedyktige på alle plan.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.drangedalsbanken.no","navn":"Drangedal og Tørdal Sparebank","visningsnavn":"Drangedal og Tørdal Sparebank","orgnr":"937891601","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":321},"leverandorVisningsnavn":"Drangedal og Tørdal Sparebank","leverandorUrl":"http://www.drangedalsbanken.no","leverandorNavn":"Drangedal og Tørdal Sparebank","leverandorHref":"leverandor/bank/321","produktpakke_arsgebyr":"0","href":"bank/produktpakke/157084","student":false,"spesielle_betingelser":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Forutsetter BSU konto med innestående minimum kr 15.000.-.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU-sparing","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"15 000","publiserFra":"16.10.2011","published":true,"modified":"16.10.2011","modifier":"brigitte","oppfolging":false,"id":157084},"leverandorVisningsnavn":"Drangedal og Tørdal Sparebank","leverandorUrl":"http://www.drangedalsbanken.no","leverandorNavn":"Drangedal og Tørdal Sparebank","leverandorHref":"leverandor/bank/321","produktpakkeHref":"bank/produktpakke/157084","href":"bank/boliglan/50397","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"16.10.2011","produktpakkeNavn":"BSU-sparing","maks_alder":"34","publiserFra":"04.04.2012","published":true,"modified":"12.04.2013","modifier":"bjorn.kollane@drangedalsbanken.no","oppfolging":false,"id":50397},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling,\r\n               lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Førstehjemslån innvilges når minst en av låntakerne er førstehjemskjøpere.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"post@sparekassen.no","href":"leverandor/bank/267","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"4801","bb_poststed":"Arendal","bb_telefon":"37 00 49 00","bb_telefaks":"37 00 49 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling,\r\n               lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling, lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparekassen.no","navn":"Arendal og Omegns Sparekasse","visningsnavn":"Arendal og Omegns Sparekasse","orgnr":"937894082","modified":"07.05.2012","modifier":"rune.kristoffersen@sparekassen.no","tilbyrSph":false,"oppfolging":false,"id":267},"produktpakke":{"navn":"BSU og konto","leverandor":{"bb_epost":"post@sparekassen.no","href":"leverandor/bank/267","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"4801","bb_poststed":"Arendal","bb_telefon":"37 00 49 00","bb_telefaks":"37 00 49 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling,\r\n               lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling, lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparekassen.no","navn":"Arendal og Omegns Sparekasse","visningsnavn":"Arendal og Omegns Sparekasse","orgnr":"937894082","modified":"07.05.2012","modifier":"rune.kristoffersen@sparekassen.no","tilbyrSph":false,"oppfolging":false,"id":267},"leverandorVisningsnavn":"Arendal og Omegns Sparekasse","leverandorUrl":"http://www.sparekassen.no","leverandorNavn":"Arendal og Omegns Sparekasse","leverandorHref":"leverandor/bank/267","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201094","student":false,"spesielle_betingelser":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Terminbeløp (renter, avdrag og termingebyr) for førstehjemslån belastes brukskonto.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU og konto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.10.2009","published":true,"modified":"13.09.2012","modifier":"brigitte","oppfolging":false,"id":201094},"leverandorVisningsnavn":"Arendal og Omegns Sparekasse","leverandorUrl":"http://www.sparekassen.no","leverandorNavn":"Arendal og Omegns Sparekasse","leverandorHref":"leverandor/bank/267","produktpakkeHref":"bank/produktpakke/201094","href":"bank/boliglan/49137","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.10.2009","produktpakkeNavn":"BSU og konto","maks_alder":"34","publiserFra":"02.05.2013","published":true,"modified":"08.05.2013","modifier":"rune.kristoffersen@sparekassen.no","oppfolging":false,"id":49137},{"navn":"Rammelån - Kongekonto","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"5 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Rammelån - Kongekonto","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Rammelån - Kongekonto og kontoholdsomkostninger Kongekonto forutsetter kundeforhold i Sandnes Sparebank. Kongekonto passer godt for deg som har stor verdi i egen bolig og som ønsker noe av dette frigitt for å kunne oppnå en romsligere likviditet. Med denne kontoen oppnår du større økonomisk fleksibilitet enn det du har i dag. Har du allerede boliglån hos oss, kan dette enkelt gjøres om til Kongekonto. Bruk uansett søknadsskjema på nett. Kongekonto er en type rammelån/fleksilån med pant i bolig. Kongekonto fungerer som en innvilget kredittramme du selv bestemmer hvordan du vil benytte. Dine fordeler: Du betjener lånet selv i nettbanken. Trenger du ekstra midler kan du enkelt betale eller overføre fra kontoen. Du betaler kun renter for benyttet kreditt. Velg selv når og hvor mye du vil betale ned på lånet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,75","nominell_rente_1_b":"4,40","nominell_rente_1_c":"4,00","leverandor":{"bb_epost":"direkte@sandnes-sparebank.no","href":"leverandor/bank/474","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www.sandnes-sparebank.no","bytt_bank_url":"https://www.sandnes-sparebank.no","bb_adresse1":"Vestre Svanholmen 4","bb_adresse2":"","bb_postnr":"4313","bb_poststed":"Sandnes","bb_telefon":"03260","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","marked_generell":"Landsdekkende","marked_generell_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www.sandnes-sparebank.no","url":"https://www.sandnes-sparebank.no","navn":"Sandnes Sparebank","visningsnavn":"Sandnes Sparebank","orgnr":"915691161","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":474},"produktpakke":{"navn":"Basis","leverandor":{"bb_epost":"direkte@sandnes-sparebank.no","href":"leverandor/bank/474","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www.sandnes-sparebank.no","bytt_bank_url":"https://www.sandnes-sparebank.no","bb_adresse1":"Vestre Svanholmen 4","bb_adresse2":"","bb_postnr":"4313","bb_poststed":"Sandnes","bb_telefon":"03260","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","marked_generell":"Landsdekkende","marked_generell_info":"Sandnes Sparebank er totaltilbyder av banktjenester, inkludert forsikring- og fondsprodukter. Banken har 200 ansatte fordelt på kontorer i Sandnes, Stavanger, Forus, Hundvåg, Hommersåk og Oslo.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www.sandnes-sparebank.no","url":"https://www.sandnes-sparebank.no","navn":"Sandnes Sparebank","visningsnavn":"Sandnes Sparebank","orgnr":"915691161","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":474},"leverandorVisningsnavn":"Sandnes Sparebank","leverandorUrl":"https://www.sandnes-sparebank.no","leverandorNavn":"Sandnes Sparebank","leverandorHref":"leverandor/bank/474","produktpakke_arsgebyr":"250","href":"bank/produktpakke/810","student":false,"spesielle_betingelser":"Basis er et komplett banktilbud til deg over 34 år. For kun kr 250,- i kontoholdsomkostninger per år får du et komplett banktilbud med Visa Personkort, Nettbank og Reservekort med inntil kr 30.000,- i kreditt. Basis inneholder: Lønns- og brukskonto. Visa Personkort. Visa Reservekort (Inntil kr 30.000 i kreditt). Nettbank og Mobilbank. Ved bruk av kort i utlandet beregnes et kurspåslag på 2,00 % i tillegg til den markedskurs som Visa International oppnår hos sine bankforbindelser.","pensjonist":false,"min_alder":"35","maks_alder":"100","produktpakke_navn":"Basis","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.01.2008","published":true,"modified":"14.01.2013","modifier":"brigitte","oppfolging":false,"id":810},"leverandorVisningsnavn":"Sandnes Sparebank","leverandorUrl":"https://www.sandnes-sparebank.no","leverandorNavn":"Sandnes Sparebank","leverandorHref":"leverandor/bank/474","produktpakkeHref":"bank/produktpakke/810","href":"bank/boliglan/46325","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.01.2008","produktpakkeNavn":"Basis","maks_alder":"100","publiserFra":"23.05.2013","published":true,"modified":"23.05.2013","modifier":"ingrid@sandnes-sparebank.no","oppfolging":false,"id":46325},{"navn":"BSU-lån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"BSU-lån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Tilbudet om BSU-lån er forbeholdt kunder under 34 år og som har BSU-konto i Rindal Sparebank. Redusert terminbeløp eller avdragsfritak på lån kan innvilges for å spare maksimalt på BSU.  BSU benyttes deretter til et ekstraordinært avdrag på lån. Innestående på BSU kan betraktes som egenkapital ved finansiering av bolig. Forutsetter også lønnskonto med lønnsinngang og dagligbanktjenester i Rindal Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","termingebyr_1_a":"40","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"produktpakke":{"navn":"BSU & lønnskonto","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178415","student":false,"spesielle_betingelser":"Tilbudet om BSU-lån er forbeholdt kunder under 34 år og som har BSU-konto i Rindal Sparebank. Redusert terminbeløp eller\r\navdragsfritak på lån kan innvilges for å spare maksimalt til BSU. BSU benyttes deretter til et ekstraordinært avdrag på lån. Innestående\r\npå BSU kan betraktes som egenkapital ved finansiering av bolig. Ved boliglån forutsettes det at kundeforhold etableres med bruks-/lønnnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU & lønnskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178415},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakkeHref":"bank/produktpakke/178415","href":"bank/boliglan/112650","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"BSU & lønnskonto","maks_alder":"34","publiserFra":"01.04.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":112650},{"navn":"60% Bustad","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 250","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% Bustad","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Ørskog Sparebank tilbyr en rekke ulike finansieringsprodukter til privatpersoner og næringslivskunder i tråd med banken sin kredittpolitikk. Alle lån blir behandlet individuelt og nedbetalingsprofil og vilkår avtales for hvert enkelt lån. Under er det vist ulike finansieringsprodukter som banken tilbyr. Et ordinært boliglån er basert på finansiering innenfor 60% av kjøpesum/markedsverdi. \"BSU-lån\" er basert på finansiering innenfor 85% av\r\nkjøpesum/markedsverdi. Vi tilbyr også lån med sikkerhet utover 60%. Ta kontakt for tilbud!","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@orskogsparebank.no","href":"leverandor/bank/352","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 235","bb_adresse2":"","bb_postnr":"6249","bb_poststed":"Ørskog","bb_telefon":"70273550","bb_telefaks":"70273570","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.","marked_generell":"Landsdekkende","marked_generell_info":"Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orskogsparebank.no/Sider/forside.aspx","navn":"Ørskog Sparebank","visningsnavn":"Ørskog Sparebank","orgnr":"837900212","modified":"30.04.2013","modifier":"roar@orskogsparebank.no","tilbyrSph":false,"oppfolging":false,"id":352},"produktpakke":{"navn":"Aktiv Nærkunde 18-67 år/Totalkunde","leverandor":{"bb_epost":"post@orskogsparebank.no","href":"leverandor/bank/352","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 235","bb_adresse2":"","bb_postnr":"6249","bb_poststed":"Ørskog","bb_telefon":"70273550","bb_telefaks":"70273570","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.","marked_generell":"Landsdekkende","marked_generell_info":"Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orskogsparebank.no/Sider/forside.aspx","navn":"Ørskog Sparebank","visningsnavn":"Ørskog Sparebank","orgnr":"837900212","modified":"30.04.2013","modifier":"roar@orskogsparebank.no","tilbyrSph":false,"oppfolging":false,"id":352},"leverandorVisningsnavn":"Ørskog Sparebank","leverandorUrl":"http://www.orskogsparebank.no/Sider/forside.aspx","leverandorNavn":"Ørskog Sparebank","leverandorHref":"leverandor/bank/352","produktpakke_arsgebyr":"0","href":"bank/produktpakke/208783","student":false,"spesielle_betingelser":"Ørskog Sparebank er en liten lokalbank med lange tradisjoner for rask og effektiv kundeservice. Du som kunde vil merke at vi er banken som bryr seg! Vi kjenner deg og du kjenner oss. Vi er et lite og lokalt finanshus med konkurransedyktige vilkår både innenfor plassering, forsikring og utlån. Vi ønsker derfor å tilby våre totalkunder et fordelsprogram med årlig personlig oppfølging. Dette programmet kaller vi \"Totalkunde\": TOTALKUNDE GIR DISSE FORDELENE: • Gratis bruk av nettbank/ telebank/ mobilbank. • Gratis bruk av Visakort i butikkterminaler og minibanker i Norge. • Egen kunderådgiver med personlig oppfølging av totalengasjement. Boliglån til konkurransedyktige priser. SOM TOTALKUNDE I ØRSKOG SPAREBANK TILBYR VI: • Forsikringer samlet hos oss gjennom Terra Skadeforsikring - Terra Livsforsikring. • Månedlig sparing på sparekonto/aksjefond for å ha reservekapital. • Aktiv bruk av Nettbank og /eller Telebank. • Bolig- og billån samles i banken. • Lønnskonto som brukes til lønn, trygd og eventuelt pensjon. • VISAkort. • Kredittkort","pensjonist":false,"min_alder":"18","maks_alder":"67","produktpakke_navn":"Aktiv Nærkunde 18-67 år/Totalkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"14.11.2012","published":true,"modified":"14.11.2012","modifier":"brigitte","oppfolging":false,"id":208783},"leverandorVisningsnavn":"Ørskog Sparebank","leverandorUrl":"http://www.orskogsparebank.no/Sider/forside.aspx","leverandorNavn":"Ørskog Sparebank","leverandorHref":"leverandor/bank/352","produktpakkeHref":"bank/produktpakke/208783","href":"bank/boliglan/156391","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.11.2012","produktpakkeNavn":"Aktiv Nærkunde 18-67 år/Totalkunde","maks_alder":"67","publiserFra":"08.05.2012","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":156391},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Sparebanken Hemne har ingen begrensninger mht markedsområde.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Et lån som gir deg økonomisk frihet til å gjøre det du ønsker når det passer deg. Du bestemmer selv hvor mye og når du ønsker å betale.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,30","nominell_rente_1_b":"4,20","nominell_rente_1_c":"4,00","leverandor":{"bb_epost":"post@sparebankenhemne.no","href":"leverandor/bank/339","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Sparebanken Hemne","bb_adresse2":"Øragt. 5","bb_postnr":"7200","bb_poststed":"Kyrksæterøra","bb_telefon":"72450700","bb_telefaks":"72450730","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sparebanken Hemne har ingen begrensninger mht markedsområde.","marked_generell":"Landsdekkende","marked_generell_info":"Sparebanken Hemne har ingen begrensninger mht markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebankenhemne.no","navn":"Sparebanken Hemne","visningsnavn":"Sparebanken Hemne","orgnr":"937902174","modified":"19.04.2012","modifier":"kk@sparebankenhemne.no","tilbyrSph":false,"oppfolging":false,"id":339},"leverandorVisningsnavn":"Sparebanken Hemne","leverandorUrl":"http://www.sparebankenhemne.no","leverandorNavn":"Sparebanken Hemne","leverandorHref":"leverandor/bank/339","produktpakkeHref":"","href":"bank/boliglan/46459","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"21.03.2013","modifier":"kk@sparebankenhemne.no","oppfolging":false,"id":46459},{"navn":"Førstehjemslån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Førstehjemslån gis til førstegangsetablerere i boligmarkedet under 34 år. Laveste rente forutsetter lån mellom 60% og 85% av boligens verdi, der deler av lånet er i Terra Boligkreditt. Lånevilkårene vil blant annet avhenge av kundeforhold, betalingsevne og den sikkerhet som stilles for lånet. Den aller beste renta får du når du bruker oss aktivt som hovedbank, med lønnskonto, nettbank og kort.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"epost@andebu-sparebank.no","href":"leverandor/bank/268","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"3162","bb_poststed":"Andebu","bb_telefon":"33438300","bb_telefaks":"33438301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.andebu-sparebank.no","navn":"Andebu Sparebank","visningsnavn":"Andebu Sparebank","orgnr":"937890540","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":268},"produktpakke":{"navn":"Hovedbank","leverandor":{"bb_epost":"epost@andebu-sparebank.no","href":"leverandor/bank/268","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"3162","bb_poststed":"Andebu","bb_telefon":"33438300","bb_telefaks":"33438301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.andebu-sparebank.no","navn":"Andebu Sparebank","visningsnavn":"Andebu Sparebank","orgnr":"937890540","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":268},"leverandorVisningsnavn":"Andebu Sparebank","leverandorUrl":"http://www.andebu-sparebank.no","leverandorNavn":"Andebu Sparebank","leverandorHref":"leverandor/bank/268","produktpakke_arsgebyr":"250","href":"bank/produktpakke/208735","student":false,"spesielle_betingelser":"Betinger at du bruker oss som hovedbank med nettbank og kort. Årsbebyret (kortgebyret) er lavere for ungdom og pensjonister.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Hovedbank","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.11.2012","published":true,"modified":"13.11.2012","modifier":"oyvin.hansen@andebu-sparebank.no","oppfolging":false,"id":208735},"leverandorVisningsnavn":"Andebu Sparebank","leverandorUrl":"http://www.andebu-sparebank.no","leverandorNavn":"Andebu Sparebank","leverandorHref":"leverandor/bank/268","produktpakkeHref":"bank/produktpakke/208735","href":"bank/boliglan/116771","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.11.2012","produktpakkeNavn":"Hovedbank","maks_alder":"34","publiserFra":"13.03.2013","published":true,"modified":"25.03.2013","modifier":"oyvin.hansen@andebu-sparebank.no","oppfolging":false,"id":116771},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Hønefoss Sparebank skal være en solid nisjebank rettet mot personmarkedet, mindre bedrifter og nærings-drivende. Overfor publikum\n               skal vi fremstå som en bank med konkurransedyktige betingelser og med kompetente og serviceinnstilte medarbeidere som vektlegger\n               den lokale forankringen.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"post@honefossbank.no","href":"leverandor/bank/333","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3502","bb_poststed":"Hønefoss","bb_telefon":"32179700","bb_telefaks":"32179701","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Hønefoss Sparebank skal være en solid nisjebank rettet mot personmarkedet, mindre bedrifter og nærings-drivende. Overfor publikum\n               skal vi fremstå som en bank med konkurransedyktige betingelser og med kompetente og serviceinnstilte medarbeidere som vektlegger\n               den lokale forankringen.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Hønefoss Sparebank skal være en solid nisjebank rettet mot personmarkedet, mindre bedrifter og nærings-drivende. Overfor publikum\n               skal vi fremstå som en bank med konkurransedyktige betingelser og med kompetente og serviceinnstilte medarbeidere som vektlegger\n               den lokale forankringen.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.honefossbank.no","navn":"Hønefoss Sparebank","visningsnavn":"Hønefoss Sparebank","orgnr":"937889097","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":333},"leverandorVisningsnavn":"Hønefoss Sparebank","leverandorUrl":"http://www.honefossbank.no","leverandorNavn":"Hønefoss Sparebank","leverandorHref":"leverandor/bank/333","produktpakkeHref":"","href":"bank/boliglan/46929","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"09.04.2013","published":true,"modified":"04.04.2013","modifier":"ole.jan@honefossbank.no","oppfolging":false,"id":46929},{"navn":"Flexi-lån inntil 70 % av verdi","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexi-lån inntil 70 % av verdi","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Flexilån gir deg større økonomisk handlefrihet Snakker vi om å realiser drømmer, bunner det før eller siden ut i om vi egentlig har råd til det vi ønsker oss. Med Flexilån kan du få en total låneramme på inntil 70 % av verdien på boligen din. Disponer lånet selv. Med flexilån er det du som bestemmer hvor mye av innvilget lån du ønsker å benytte til enhver tid og du velger selv når og hvor mye avdrag som skal betales. Renter betaler du kun av summen du til enhver tid har benyttet av lånerammen. Lånet disponerer du selv gebyrfritt i NettBanken. For å få innvilget lån må du etablere lønnskonto med lønnsinngang og Visa kort i SkagerakDirektebank.no","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"9 999 999","termingebyr_1_a":"35","nominell_rente_1_a":"3,79","leverandor":{"bb_epost":"post@skagerakdirektebank.no","href":"leverandor/bank/467","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 2723","bb_adresse2":"","bb_postnr":"3702","bb_poststed":"Skien","bb_telefon":"35506200","bb_telefaks":"35962661","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.skagerakdirektebank.no/Sider/Forside2.aspx","navn":"SkagerakDirektebank.no","visningsnavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","orgnr":"937891245","modified":"21.09.2011","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":467},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@skagerakdirektebank.no","href":"leverandor/bank/467","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 2723","bb_adresse2":"","bb_postnr":"3702","bb_poststed":"Skien","bb_telefon":"35506200","bb_telefaks":"35962661","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. 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Gunstigere rente på bolig- og billån. FORDEL kredittkort. For å benytte deg av disse fordelene må du ha følgende produkter i Gjensidige Bank: Aktiv brukskonto med bankkort. Ett spareprodukt (ikke krav om fast sparing). 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Ulykkesforsikringen gir redusert erstatning for personer over 67 år.  lykkesforsikringen gjelder ikke for personer som er fylt 80 år. Gunstige vilkår boliglån innenfor 60 % over 1,5 mill.","pensjonist":false,"min_alder":"31","maks_alder":"80","produktpakke_navn":"Privat Ekstra","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"25 000","publiserFra":"05.02.2009","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":714},"leverandorVisningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorUrl":"http://www.sb1ls.no","leverandorNavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorHref":"leverandor/bank/471","produktpakkeHref":"bank/produktpakke/714","href":"bank/boliglan/46143","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"31","produktpakkePubliserFra":"05.02.2009","produktpakkeNavn":"Privat Ekstra","maks_alder":"80","publiserFra":"10.04.2012","published":true,"modified":"12.04.2013","modifier":"yvonne.nyhus@sb1ls.no","oppfolging":false,"id":46143},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån forutsetter etablering av kundeforhold, åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. Endelige rentebetingelser er avhengig av kundeforhold, økonomisk betjeningsevne, sikkerhet og lånets størrelse.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 500 000","termingebyr_1_a":"40","nominell_rente_1_a":"4,05","leverandor":{"bb_epost":"bankpost@sb1ls.no","href":"leverandor/bank/471","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.finansportalen.no","bytt_bank_url":"www.finansportalen.no","bb_adresse1":"Postboks 23","bb_adresse2":"","bb_postnr":"2688","bb_poststed":"Lom","bb_telefon":"61 21 90 00","bb_telefaks":"61 21 90 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","marked_generell":"Landsdekkende","marked_generell_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.finansportalen.no","url":"http://www.sb1ls.no","navn":"Lom og Skjåk Sparebank","visningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","orgnr":"937888015","modified":"03.11.2011","modifier":"yvonne.nyhus@sb1ls.no","tilbyrSph":false,"oppfolging":false,"id":471},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"bankpost@sb1ls.no","href":"leverandor/bank/471","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.finansportalen.no","bytt_bank_url":"www.finansportalen.no","bb_adresse1":"Postboks 23","bb_adresse2":"","bb_postnr":"2688","bb_poststed":"Lom","bb_telefon":"61 21 90 00","bb_telefaks":"61 21 90 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","marked_generell":"Landsdekkende","marked_generell_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.finansportalen.no","url":"http://www.sb1ls.no","navn":"Lom og Skjåk Sparebank","visningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","orgnr":"937888015","modified":"03.11.2011","modifier":"yvonne.nyhus@sb1ls.no","tilbyrSph":false,"oppfolging":false,"id":471},"leverandorVisningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorUrl":"http://www.sb1ls.no","leverandorNavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorHref":"leverandor/bank/471","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178091","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"19.02.2012","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":178091},"leverandorVisningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorUrl":"http://www.sb1ls.no","leverandorNavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorHref":"leverandor/bank/471","produktpakkeHref":"bank/produktpakke/178091","href":"bank/boliglan/46151","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"19.02.2012","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"10.04.2012","published":true,"modified":"12.04.2013","modifier":"yvonne.nyhus@sb1ls.no","oppfolging":false,"id":46151},{"navn":"Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boligkreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Beste rente gjelder lån i Eika Boligkreditt i samarbeid med Odal Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,20","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179620","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":179620},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakkeHref":"bank/produktpakke/179620","href":"bank/boliglan/142868","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"10.04.2013","published":true,"modified":"30.05.2013","modifier":"mette.skogstad@odal-sparebank.no","oppfolging":false,"id":142868},{"navn":"Smartlån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Smartlån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Har primært Ørland kommune som sitt markedsområde.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Smartlån er et lånetilbud tilpasset deg med solid økonomi - og som takler stor økonomisk frihet.  Ønsker du å pusse opp hjemme, reise, realisere hyttedrømmen, eller gå til anskaffelse av ny bil eller båt? Slike ønsker blir ofte et spørsmål om penger og hvilke utslag det vil gjøre på hverdagsøkonomien. Har du økonomien i orden og et boliglån innenfor 75 % av takst vil SmartLån være en trygg og svært fleksibel måte å gjennomføre ønsker å drømmer på. Fakta om SmartLån: Låneramme inntil 75 % av boligens verdi. Samme rente som boliglånsrenten. Bestem selv når du vil betale avdrag. Bestem selv når du vil betale renter, så lenge du er innenfor lånerammen. Overfør pengene selv via NettBank eller telefonbank. Sikkerhet: Pant i bolig innenfor 75 % av takst. Ørland Sparebank tilbyr alle typer lån. Ingen kunder er i samme situasjon. Vi behandler hver lånesøknad individuelt og tilpasser låneavtalen til kundens forutsetninger og behov. Renten fastsettes i forbindelse med kredittgivningen. Etableringsgebyr 1 % - minimum kr 500,- og maksimalt kr 1500,-. Offentlige omkostninger kommer i tillegg.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"4,30","leverandor":{"bb_epost":"post@orland-sparebank.no","href":"leverandor/bank/353","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks40","bb_adresse2":"","bb_postnr":"7129","bb_poststed":"Brekstad","bb_telefon":"04290","bb_telefaks":"42 52 30 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Har primært Ørland kommune som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Har primært Ørland kommune som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orland-sparebank.no","navn":"Ørland Sparebank","visningsnavn":"Ørland Sparebank","orgnr":"937901925","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":353},"produktpakke":{"navn":"Totalkunde","leverandor":{"bb_epost":"post@orland-sparebank.no","href":"leverandor/bank/353","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks40","bb_adresse2":"","bb_postnr":"7129","bb_poststed":"Brekstad","bb_telefon":"04290","bb_telefaks":"42 52 30 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Har primært Ørland kommune som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Har primært Ørland kommune som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orland-sparebank.no","navn":"Ørland Sparebank","visningsnavn":"Ørland Sparebank","orgnr":"937901925","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":353},"leverandorVisningsnavn":"Ørland Sparebank","leverandorUrl":"http://www.orland-sparebank.no","leverandorNavn":"Ørland Sparebank","leverandorHref":"leverandor/bank/353","produktpakke_arsgebyr":"600","href":"bank/produktpakke/772","student":false,"spesielle_betingelser":"Totalkundeavtale med Ørland Sparebank er lønnsomt. Mange av kundene i Ørland Sparebank har valgt å inngå en totalkundeavtale med banken. De som velger å bruke banken på flere områder oppnår nå enda flere fordeler. Personlig rådgivning. Personkonto med rimelig brukskreditt. Totalkonto - sparekonto/brukskonto med fri bruk. Boligsparing for ungdom - høyere innskuddsrente. Sparebankkort Visa med gratis bruk i alle landets minibanker. Nettbank - gratis etablering og ingen månedsleie. Nettgiro og telegiro gratis. Avtalegiro og eFaktura gratis. Terra Gold kredittkort. Terra Vivo - kredittkort for ungdom. Rabatt på skadeforsikring. Forskudd på studielån uten etableringsomkostninger. Boliglån og Førstehjemslån til gunstig rente. Samme PIN-kode for alle dine kort i Ørland Sparebank. 24 timers sperretjeneste for alle kort i Ørland Sparebank. For alle disse fordelene betaler du en medlemsavgift på kr. 50,- pr. mnd. For ungdom under 26 år er avgiften kr. 20,- pr. mnd. Ta kontakt med oss i Ørland Sparebank for spørsmål om Totalkundeavtale.","pensjonist":false,"min_alder":"26","maks_alder":"100","produktpakke_navn":"Totalkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.12.2007","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":772},"leverandorVisningsnavn":"Ørland Sparebank","leverandorUrl":"http://www.orland-sparebank.no","leverandorNavn":"Ørland Sparebank","leverandorHref":"leverandor/bank/353","produktpakkeHref":"bank/produktpakke/772","href":"bank/boliglan/46835","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.12.2007","produktpakkeNavn":"Totalkunde","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"31.05.2013","modifier":"tb@orland-sparebank.no","oppfolging":false,"id":46835},{"navn":"60 % boliglån Terra Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"300","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60 % boliglån Terra Boligkreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Etableringsgebyr 3 % veil. fra kr. 500,-til kr. 1500,-. Produktpakken Fordelslån er et tilbud til de av våre kunder som har flere av sine bank- og forsikringsprodukter i Kvinesdal Sparebank. Minimum lånebeløp må være 2 millioner kroner til enhver tid i Terra BoligKreditt. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,75","leverandor":{"bb_epost":"post@kvinesdalsparebank.no","href":"leverandor/bank/308","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nesgata 7 A","bb_adresse2":"","bb_postnr":"4480","bb_poststed":"Kvinesdal","bb_telefon":"38 35 88 60","bb_telefaks":"38 35 13 02","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","navn":"Kvinesdal Sparebank","visningsnavn":"Kvinesdal Sparebank","orgnr":"937894805","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":308},"produktpakke":{"navn":"Fordelslån","leverandor":{"bb_epost":"post@kvinesdalsparebank.no","href":"leverandor/bank/308","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nesgata 7 A","bb_adresse2":"","bb_postnr":"4480","bb_poststed":"Kvinesdal","bb_telefon":"38 35 88 60","bb_telefaks":"38 35 13 02","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","navn":"Kvinesdal Sparebank","visningsnavn":"Kvinesdal Sparebank","orgnr":"937894805","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":308},"leverandorVisningsnavn":"Kvinesdal Sparebank","leverandorUrl":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","leverandorNavn":"Kvinesdal Sparebank","leverandorHref":"leverandor/bank/308","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178378","student":false,"spesielle_betingelser":"Produktpakken Fordelslån er et tilbud til de av våre kunder som har flere av sine bank- og forsikringsprodukter i Kvinesdal Sparebank. Du må ha vurdert tilfredsstillende betalingsevne. Minimum lånebeløp må være 2 millioner kroner til enhver tid i Terra BoligKreditt som må være sikret med pant i egen boligeiendom innenfor 60 % av dokumentert markedsverdi. Lån utover dette kan tilbys i Kvinesdal Sparebank med tilfredsstillende sikkerhet. Fordelslån tilbys deg som har fast inngang av lønn eller pensjon på lønnskonto hos oss som har tilknyttet NettBank og kort. I tillegg må du ha 3 av følgende 5 produkter: • Personforsikring i Terra. • Skadeforsikring i Terra. • Spareavtale (Fond eller Aksjer) i Terra. • Spareavtale (BSU, Kapitalkonto mv) i Kvinesdal Sparebank. • Tilleggskort i Terra.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordelslån","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"2 000 000","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178378},"leverandorVisningsnavn":"Kvinesdal Sparebank","leverandorUrl":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","leverandorNavn":"Kvinesdal Sparebank","leverandorHref":"leverandor/bank/308","produktpakkeHref":"bank/produktpakke/178378","href":"bank/boliglan/142212","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Fordelslån","maks_alder":"100","publiserFra":"23.01.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":142212},{"navn":"75 % rammelån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"300","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75 % rammelån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Etableringsgebyr 3 % veil. fra kr. 500,-til kr. 1500,-. Maks antall år løpetid: Kan forlenges, årlig økonomi gjennomgang. Dette er et låneprodukt som passer spesielt godt til deg som har nettbank hos oss. Du får innvilget en låneramme og kan deretter styre ”alt” selv via nettbanken. Som sikkerhet forutsettes pant innenfor inntil 75 % av verdien på boligen. Flexilånet har i tillegg følgende fordeler: - Samme gunstige rentevilkår som våre øvrige boliglån i egne bøker. - Kun renter av benyttet beløp belastes hver måned fra avtalt konto. - Nedbetaling og opplåning må du selv ordne via nettbanken når det passer deg.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"post@kvinesdalsparebank.no","href":"leverandor/bank/308","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nesgata 7 A","bb_adresse2":"","bb_postnr":"4480","bb_poststed":"Kvinesdal","bb_telefon":"38 35 88 60","bb_telefaks":"38 35 13 02","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","navn":"Kvinesdal Sparebank","visningsnavn":"Kvinesdal Sparebank","orgnr":"937894805","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":308},"produktpakke":{"navn":"Kvinesdal Sparebank Lojal","leverandor":{"bb_epost":"post@kvinesdalsparebank.no","href":"leverandor/bank/308","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nesgata 7 A","bb_adresse2":"","bb_postnr":"4480","bb_poststed":"Kvinesdal","bb_telefon":"38 35 88 60","bb_telefaks":"38 35 13 02","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kvinesdal Sparebank er en solid selvstendig sparebank som utfører alle typer banktjenester i Listerregionen. Med engasjerte\n               og kompetente medarbeidere har vi langsiktige kundeforhold med nære og trygge relasjoner.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","navn":"Kvinesdal Sparebank","visningsnavn":"Kvinesdal Sparebank","orgnr":"937894805","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":308},"leverandorVisningsnavn":"Kvinesdal Sparebank","leverandorUrl":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","leverandorNavn":"Kvinesdal Sparebank","leverandorHref":"leverandor/bank/308","produktpakke_arsgebyr":"0","href":"bank/produktpakke/169709","student":false,"spesielle_betingelser":"Produktpakken Lojal tilbys kunder som; * Har fast lønns- eller pensjonsinntekt som går inn på lønnskonto med tilknyttet Nettbank og kort hos oss og tilleggskort i Terra. * Er totalkunde i Kvinesdal Sparebank med de produkter som dekker ditt behov innenfor lån, bankinnskudd, fond, aksjer, dagligbank og forsikring (visse unntak blir godtatt ved avtaleinngåelse på egen kundeavtale med like regler for alle). * Årlig innleverer kopi av siste års selvangivelse til Kvinesdal Sparebank. Se prisliste for gjeldende rentesatser på lån. I tillegg til gunstig lånerente får du tilbud om årlig kundesamtale med en av våre kunderådgivere på lån og plassering, samt automatisk utregning av din pensjon etter det nye regelverket gjeldende fra 1.1.2011. Husk at på tilleggskort i Terra har du nå har mulighet til opparbeidelse av årlig bonus inntil kr 2.500,-.","pensjonist":false,"min_alder":"33","maks_alder":"100","produktpakke_navn":"Kvinesdal Sparebank Lojal","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"15.01.2012","published":true,"modified":"15.01.2012","modifier":"brigitte","oppfolging":false,"id":169709},"leverandorVisningsnavn":"Kvinesdal Sparebank","leverandorUrl":"http://www.kvinesdalsparebank.no/Sider/Forsiden.aspx?gclid=CPbxxKrelKcCFcWGDgod9UYxbQ","leverandorNavn":"Kvinesdal Sparebank","leverandorHref":"leverandor/bank/308","produktpakkeHref":"bank/produktpakke/169709","href":"bank/boliglan/142215","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.01.2012","produktpakkeNavn":"Kvinesdal Sparebank Lojal","maks_alder":"100","publiserFra":"23.01.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":142215},{"navn":"Førstehjemslån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Ungdom 18-35 år kan ved kjøp/bygging av bolig tilbys lån til 85 % av kjøpesum /markedsverdi. Marker Sparebank har et meget godt tilbud om boliglån til ungdom mellom 18 og 35 år. Er du i denne aldersgruppen, kan du nyte godt av nedenstående. Finansiering inntil 85% av kjøpesum/markedsverdi til bankens laveste gjeldende rente på det aktuelle trinn for lån i Marker Sparebank. Ingen etableringskostnader ved låneopptak (vanligvis fra kr. 1.500). Gjelder kjøp av enebolig/selveierleilighet samt borettslagsleiligheter. Tilbud om personlig økonomisk rådgivning. Tilbud om fordelsprogrammet Aktiv. En forutsetning for førstehjemslån er at det tegnes personforsikring i Terra Liv gjennom Marker Sparebank. Dette for å gi viktig økonomisk trygghet for deg/dere i etableringsfasen med store lån og andre forpliktelser. Dersom det er to låntakere knyttet til lånet, må minst én av de være innenfor alderstrinnet 18 - 35 år. Maksimal nedbetalingstid 25 år. Vilkårene knyttet til denne låneordningen gjelder i utgangspunktet i fire år, hvorpå banken forbeholder seg retten til å vurdere de enkelte lån i forhold til markedsutvikling m.v.          ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"epost@marker-sparebank.no","href":"leverandor/bank/365","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 144","bb_adresse2":"","bb_postnr":"1871","bb_poststed":"Ørje","bb_telefon":"69810400","bb_telefaks":"69810402","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Primærområdet for kundeforhold, banksparing og dagligbank-tjenester i første rekke våre kontorkommuner Marker, Aremark, Rakkestad,\r\n               Rømskog og Moss. Men det er generelt ingen geografisk begrensning.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.marker-sparebank.no","navn":"Marker Sparebank","visningsnavn":"Marker Sparebank","orgnr":"937884672","modified":"25.05.2012","modifier":"tor.fjeld@marker-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":365},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"epost@marker-sparebank.no","href":"leverandor/bank/365","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 144","bb_adresse2":"","bb_postnr":"1871","bb_poststed":"Ørje","bb_telefon":"69810400","bb_telefaks":"69810402","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Primærområdet for kundeforhold, banksparing og dagligbank-tjenester i første rekke våre kontorkommuner Marker, Aremark, Rakkestad,\r\n               Rømskog og Moss. Men det er generelt ingen geografisk begrensning.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.marker-sparebank.no","navn":"Marker Sparebank","visningsnavn":"Marker Sparebank","orgnr":"937884672","modified":"25.05.2012","modifier":"tor.fjeld@marker-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":365},"leverandorVisningsnavn":"Marker Sparebank","leverandorUrl":"http://www.marker-sparebank.no","leverandorNavn":"Marker Sparebank","leverandorHref":"leverandor/bank/365","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178437","student":false,"spesielle_betingelser":"Innvilgelse av boliglån forutsetter etablering av kundeforhold med bruks-/lønnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178437},"leverandorVisningsnavn":"Marker Sparebank","leverandorUrl":"http://www.marker-sparebank.no","leverandorNavn":"Marker Sparebank","leverandorHref":"leverandor/bank/365","produktpakkeHref":"bank/produktpakke/178437","href":"bank/boliglan/156441","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"35","publiserFra":"24.05.2012","published":true,"modified":"04.12.2012","modifier":"tor.fjeld@marker-sparebank.no","oppfolging":false,"id":156441},{"navn":"75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr bil- og boliglån til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Oppgitte renter forutsetter helkundeforhold og lån i DnB  Boligkreditt AS. \r\n\r\nSom helkunde med lån i DnB  Boligkreditt får du den aller beste renta på boliglånet når du:\r\n\r\n- Bruker oss aktivt som hovedbank, med lønnskonto, NettBank og kort\r\n\r\n- Bruker oss aktivt som hovedbank, med lønnskonto, NettBank og kort\r\n- Sparer 500 kroner i måneden, eller har 20 000 kroner i årlig innskudd på sparekonto eller fond\r\n\r\nBeregningsgrunnlaget er inkludert terminomkostninger kr 50,- og etableringsomkostninger som består av etableringsgebyr kr 1000,- og depotgebyr kr 750,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,40","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"post@nordlandsbanken.no","href":"leverandor/bank/359","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Moloveien 16","bb_adresse2":"","bb_postnr":"8002","bb_poststed":"Bodø","bb_telefon":"08900","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr bil- og boliglån til hele 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Ta kontakt med banken for mer informasjon om kundeprogrammet.","pensjonist":false,"min_alder":"26","maks_alder":"60","produktpakke_navn":"Oppdal Aktiv voksen","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"3 600","publiserFra":"11.12.2007","published":true,"modified":"31.10.2012","modifier":"omv@oppdalsbanken.no","oppfolging":false,"id":205608},"leverandorVisningsnavn":"Oppdalsbanken (Opdals Sparebank)","leverandorUrl":"https://www1.portalbank.no/4266/Sider/forside.aspx","leverandorNavn":"Oppdalsbanken (Opdals Sparebank)","leverandorHref":"leverandor/bank/355","produktpakkeHref":"bank/produktpakke/205608","href":"bank/boliglan/46435","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.12.2007","produktpakkeNavn":"Oppdal Aktiv voksen","maks_alder":"100","publiserFra":"26.03.2012","published":true,"modified":"27.03.2013","modifier":"omv@oppdalsbanken.no","oppfolging":false,"id":46435},{"navn":"Fleksilån","max_lopetid":"25","kap_periode":"1","provisjon":"0,033","etableringsgebyr":"2 000","depotgebyr":"400","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fleksilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Skudenes & Aakra Sparebank har kontorer i Skudeneshavn, Vedavågen, Kopervik og Avaldsnes i Karmøy Kommune.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Fleksilån er et fleksibelt lån tilpasset ditt behov. Med Fleksilån har du penger når du trenger, lett tilgjengelig via nettbanken. Ønsker du lett tilgjengelig reserve til å kjøpe ny bil, båt eller pusse opp huset ditt? Et fleksibelt alternativ for deg med ryddig økonomi og god sikkerhet. Opplyst utlånsrente er bankens laveste veiledende betingelser. Den endelige utlånsrente man vil få fastsettes etter individuell vurdering av lånesøknad og kundeforhold. Provisjon på 0,033 % pr måned kommer i tillegg. Kreditten løper i 10 år. Banken kan si opp avtalen i løpet av perioden hvis bankens risiko vurderes å ha økt vesentlig.            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@skudeaakra.no","href":"leverandor/bank/290","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"4296","bb_poststed":"Åkrehamn","bb_telefon":"03361","bb_telefaks":"52 84 52 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Skudenes & Aakra Sparebank har kontorer i Skudeneshavn, Vedavågen, Kopervik og Avaldsnes i Karmøy Kommune.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Skudenes & Aakra Sparebank har kontorer i Skudeneshavn, Vedavågen, Kopervik og Avaldsnes i Karmøy Kommune.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.skudeaakra.no","navn":"Skudenes & Aakra Sparebank","visningsnavn":"Skudenes & Aakra Sparebank","orgnr":"937896670","modified":"05.05.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":290},"leverandorVisningsnavn":"Skudenes & Aakra Sparebank","leverandorUrl":"http://www.skudeaakra.no","leverandorNavn":"Skudenes & Aakra Sparebank","leverandorHref":"leverandor/bank/290","produktpakkeHref":"","href":"bank/boliglan/50081","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"08.04.2013","modifier":"thomas.J.Liknes@skudeaakra.no","oppfolging":false,"id":50081},{"navn":"75% - boliglån flytende rente","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75% - boliglån flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Boligkjøp er en investering som påvirker økonomien din i lang tid. Før du låner penger til bolig bør du skaffe deg en oversikt over egen økonomi. Kontakter du en av våre rådgivere, får du en kvalifisert vurdering av hvor stort boliglån du kan ha, og hva slags lånetype som passer best for deg. Hvor mye lån man kan få i lån avhenger av inntekten og økonomien ellers. Vi trenger kopi av siste selvangivelse og lønnslipp i forbindelse med søknad om boliglån. Vi tilbyr følgende typer boliglån: •Nedbetalingslån (annuitet/serie) med maks nedbetalingstid på 25 år. •Fleksilån med låneramme inntil 70% av boligens verdi. •Fastrentelån med forutsigbarhet i forhold til hva du skal betale i en 5-års periode. •Byggelån i forbindelse med nybygg.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@sgsparebank.no","href":"leverandor/bank/428","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 1034","bb_adresse2":"","bb_postnr":"4682","bb_poststed":"Søgne","bb_telefon":"38053200","bb_telefaks":"38051521","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Søgne og Greipstad Sparebank har som primærområde: Søgne og Songdalen kommuner, samt kunder ellers i landet som har tilknytning\n               til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene rundt primærområdet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sgsparebank.no","navn":"Søgne og Greipstad Sparebank","visningsnavn":"Søgne og Greipstad Sparebank","orgnr":"937895054","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":428},"produktpakke":{"navn":"Konto","leverandor":{"bb_epost":"post@sgsparebank.no","href":"leverandor/bank/428","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 1034","bb_adresse2":"","bb_postnr":"4682","bb_poststed":"Søgne","bb_telefon":"38053200","bb_telefaks":"38051521","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Søgne og Greipstad Sparebank har som primærområde: Søgne og Songdalen kommuner, samt kunder ellers i landet som har tilknytning\n               til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene rundt primærområdet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sgsparebank.no","navn":"Søgne og Greipstad Sparebank","visningsnavn":"Søgne og Greipstad Sparebank","orgnr":"937895054","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":428},"leverandorVisningsnavn":"Søgne og Greipstad Sparebank","leverandorUrl":"http://www.sgsparebank.no","leverandorNavn":"Søgne og Greipstad Sparebank","leverandorHref":"leverandor/bank/428","produktpakke_arsgebyr":"0","href":"bank/produktpakke/190322","student":false,"spesielle_betingelser":"Termingebyr kr 35,- for lån forutsetter at trekk av terminbeløp (renter, avdrag og termingebyr) belastes automatisk på konto i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"31.05.2012","published":true,"modified":"14.11.2012","modifier":"brigitte","oppfolging":false,"id":190322},"leverandorVisningsnavn":"Søgne og Greipstad Sparebank","leverandorUrl":"http://www.sgsparebank.no","leverandorNavn":"Søgne og Greipstad Sparebank","leverandorHref":"leverandor/bank/428","produktpakkeHref":"bank/produktpakke/190322","href":"bank/boliglan/49355","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"31.05.2012","produktpakkeNavn":"Konto","maks_alder":"100","publiserFra":"03.04.2012","published":true,"modified":"12.04.2013","modifier":"bjorn.erland@sgsparebank.no","oppfolging":false,"id":49355},{"navn":"70% - fleksilån flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"70% - fleksilån flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"I tillegg til ordinært boliglån (nedbetalingslån) tilbyr vi også fleksilån. Dette er en lånetype for deg som har ryddig økonomi, god sikkerhet og som ønsker fleksibilitet. Maksimal kredittgrense er 70% av boligverdien. Fleksibelt boliglån har banken sin laveste boligrente til enhver tid. Den bevilgede kreditten kan disponeres fritt via nettbanken. Kredittrammen kan reduseres når en måtte ønske det. Nedbetalingen på kreditten kan skje så ofte en måtte ønske. Minste betaling hver måned er påløpte renter samt terminomkostninger. Det er valgfritt hvor mye og hvor ofte du vil betale ned, men vi anbefaler likevel at du betaler ned regelmessig. Fordelene med Fleksilån er blant annet å ha penger i bakhånd, du slipper å søke om lån på nytt ved behov for penger, du bare overfører pengene gratis via nettbanken til brukskontoen din.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,00","leverandor":{"bb_epost":"post@sgsparebank.no","href":"leverandor/bank/428","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 1034","bb_adresse2":"","bb_postnr":"4682","bb_poststed":"Søgne","bb_telefon":"38053200","bb_telefaks":"38051521","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Søgne og Greipstad Sparebank har som primærområde: Søgne og Songdalen kommuner, samt kunder ellers i landet som har tilknytning\n               til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene rundt primærområdet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sgsparebank.no","navn":"Søgne og Greipstad Sparebank","visningsnavn":"Søgne og Greipstad Sparebank","orgnr":"937895054","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":428},"produktpakke":{"navn":"Konto","leverandor":{"bb_epost":"post@sgsparebank.no","href":"leverandor/bank/428","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 1034","bb_adresse2":"","bb_postnr":"4682","bb_poststed":"Søgne","bb_telefon":"38053200","bb_telefaks":"38051521","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Søgne og Greipstad Sparebank har som primærområde: Søgne og Songdalen kommuner, samt kunder ellers i landet som har tilknytning\n               til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene rundt primærområdet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sgsparebank.no","navn":"Søgne og Greipstad Sparebank","visningsnavn":"Søgne og Greipstad Sparebank","orgnr":"937895054","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":428},"leverandorVisningsnavn":"Søgne og Greipstad Sparebank","leverandorUrl":"http://www.sgsparebank.no","leverandorNavn":"Søgne og Greipstad Sparebank","leverandorHref":"leverandor/bank/428","produktpakke_arsgebyr":"0","href":"bank/produktpakke/190322","student":false,"spesielle_betingelser":"Termingebyr kr 35,- for lån forutsetter at trekk av terminbeløp (renter, avdrag og termingebyr) belastes automatisk på konto i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"31.05.2012","published":true,"modified":"14.11.2012","modifier":"brigitte","oppfolging":false,"id":190322},"leverandorVisningsnavn":"Søgne og Greipstad Sparebank","leverandorUrl":"http://www.sgsparebank.no","leverandorNavn":"Søgne og Greipstad Sparebank","leverandorHref":"leverandor/bank/428","produktpakkeHref":"bank/produktpakke/190322","href":"bank/boliglan/49359","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"31.05.2012","produktpakkeNavn":"Konto","maks_alder":"100","publiserFra":"03.04.2012","published":true,"modified":"12.04.2013","modifier":"bjorn.erland@sgsparebank.no","oppfolging":false,"id":49359},{"navn":"85% - ungdomslån med flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"85% - ungdomslån med flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Ungdomslån er et boliglån for deg mellom 18 og 34 år uavhengig om det er din første eller tredje bolig. Her tilbyr vi lån med inntil 85% finansiering til gunstige betingelser. De resterende 15% i egenkapital må du ha selv, gjerne i form av sparing på BSU, eventuelt kausjon. Boligkjøp er en investering som vil påvirke din økonomi i mange år framover. Før du låner bør du derfor skaffe deg oversikt over hva din økonomi er i stand til å tåle av utgifter, og hva som vil skje hvis renten skulle stige i årene fremover. Ved å besøke en av våre kunderådgivere får du en kvalifisert vurdering av hvor stort boliglån du kan betjene. Det er viktig å sikre fremtidig inntekt, derfor tilbyr vi Personforsikring i Frende Forsikring.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@sgsparebank.no","href":"leverandor/bank/428","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 1034","bb_adresse2":"","bb_postnr":"4682","bb_poststed":"Søgne","bb_telefon":"38053200","bb_telefaks":"38051521","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Søgne og Greipstad Sparebank har som primærområde: Søgne og Songdalen kommuner, samt kunder ellers i landet som har tilknytning\n               til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene rundt primærområdet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sgsparebank.no","navn":"Søgne og Greipstad Sparebank","visningsnavn":"Søgne og Greipstad Sparebank","orgnr":"937895054","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":428},"produktpakke":{"navn":"BSU & lønnskonto","leverandor":{"bb_epost":"post@sgsparebank.no","href":"leverandor/bank/428","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 1034","bb_adresse2":"","bb_postnr":"4682","bb_poststed":"Søgne","bb_telefon":"38053200","bb_telefaks":"38051521","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Søgne og Greipstad Sparebank kan gi lån til privatkunder i: Primærområde: Søgne og Songdalen kommuner, samt kunder ellers\n               i landet som har tilknytning til nevnte kommuner. Sekundærområder:  Kristiansand, Vennesla, Marnardal og Mandal, dvs. kommunene\n               rundt primærområdet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Søgne og Greipstad Sparebank har som primærområde: Søgne og Songdalen kommuner, samt kunder ellers i landet som har tilknytning\n               til nevnte kommuner. 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De resterende 15% i egenkapital må du ha selv, gjerne i form av sparing på BSU, eventuelt kausjon. Boligkjøp er en investering som vil påvirke din økonomi i mange år framover. Før du låner bør du derfor skaffe deg oversikt over hva din økonomi er i stand til å tåle av utgifter, og hva som vil skje hvis renten skulle stige i årene fremover. Ved å besøke en av våre kunderådgivere får du en kvalifisert vurdering av hvor stort boliglån du kan betjene. 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Med Litt Extra: Beholder du/dere eierskapet i boligen, og får en livsvarig garanti om å kunne bo i boligen. Betales det ikke renter, da påløpte renter tillegges lånets hovedstol. Får du/dere større økonomisk fleksibilitet og trygghet. Alle som er over 60 år og som eier og bor i boligen som er panteobjekt, kan søke om Litt Extra. Verdien på boligen må dokumenteres i ny takst av godkjent takserer. 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Dersom du har lån med pant i fast eigedom så må dette finansierast i banken. Vi\r\ntilbyr og telebank/SMS-bank.\r\n\r\nDet skal til ei kvar tid være inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, eller verdipapirkonto).","pensjonist":false,"min_alder":"30","maks_alder":"150","produktpakke_navn":"ISSB Total","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129863},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129863","href":"bank/boliglan/129871","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB 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Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"3,80","nominell_rente_1_b":"3,60","nominell_rente_1_c":"3,50","leverandor":{"bb_epost":"epost@marker-sparebank.no","href":"leverandor/bank/365","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 144","bb_adresse2":"","bb_postnr":"1871","bb_poststed":"Ørje","bb_telefon":"69810400","bb_telefaks":"69810402","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Primærområdet for kundeforhold, banksparing og dagligbank-tjenester i første rekke våre kontorkommuner Marker, Aremark, Rakkestad,\r\n               Rømskog og Moss. Men det er generelt ingen geografisk begrensning.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.marker-sparebank.no","navn":"Marker Sparebank","visningsnavn":"Marker Sparebank","orgnr":"937884672","modified":"25.05.2012","modifier":"tor.fjeld@marker-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":365},"leverandorVisningsnavn":"Marker Sparebank","leverandorUrl":"http://www.marker-sparebank.no","leverandorNavn":"Marker Sparebank","leverandorHref":"leverandor/bank/365","produktpakkeHref":"","href":"bank/boliglan/156432","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"26.09.2012","published":true,"modified":"26.10.2012","modifier":"tor.fjeld@marker-sparebank.no","oppfolging":false,"id":156432},{"navn":"Flexilån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 250","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Én henvendelse kan dekke alle dine fremtidige lånebehov. Med Flexilån får du låne inntil 70 prosent av verdien på din bolig. Pengene bruker du til hva du vil, når du vil. Med Flexilån trenger du for eksempel ikke å søke om nytt lån når du skal kjøpe bil eller bytte kjøkken, investere i flatskjerm til tv-stua eller nytt dusjkabinett til badet. Du bestemmer selv når du vil bruke pengene, og du betaler bare rente av de pengene du faktisk bruker. Fakta om Flexilån: Du får en låneramme på inntil 70 prosent av verdien på din bolig. Du kan fritt bruke lånerammen til det du måtte ønske, uten å søke banken om nytt lån. Du overfører penger fra lånekontoen via Nettbank eller Telefonbank. Nedbetalingstakten bestemmer du selv.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","max_belop_a":"999 999","termingebyr_1_a":"70","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"70","min_belop_c":"2 000 000","termingebyr_1_c":"70","nominell_rente_1_a":"4,55","nominell_rente_1_b":"4,25","nominell_rente_1_c":"3,90","leverandor":{"bb_epost":"firmapost@rhbank.no","href":"leverandor/bank/348","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Søndre Torv 6","bb_adresse2":"Postboks 518 Sentrum","bb_postnr":"3504","bb_poststed":"Hønefoss","bb_telefon":"02130","bb_telefaks":"32113301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, 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bankens virkeområde.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rhbank.no","navn":"SpareBank 1 Ringerike Hadeland","visningsnavn":"SpareBank 1 Ringerike Hadeland","orgnr":"937889275","modified":"26.10.2011","modifier":"dag.engen@ringerike.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":348},"leverandorVisningsnavn":"SpareBank 1 Ringerike Hadeland","leverandorUrl":"http://www.rhbank.no","leverandorNavn":"SpareBank 1 Ringerike Hadeland","leverandorHref":"leverandor/bank/348","produktpakke_arsgebyr":"0","href":"bank/produktpakke/218423","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at terminbeløpet kan belastes automatisk på bruks- eller lønnskonto i SpareBank 1 Ringerike Hadeland","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Bruks eller 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Fordeler med flexilån: Du slipper å søke om lån hver gang du trenger ekstra penger. Du nedbetaler flexilånet når det passer deg. Flexilån disponerer du selv i nettbanken, via telefonbanken eller mobilbanken. Du kan få bankens laveste boliglånsrente på ditt flexilån. Renten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Vi har ekstra gode betingelser for deg som låner over 2 millioner. Du kan låne innenfor 70% av verdien på din bolig og/eller fritidseiendom. Minste lånebeløp er 100.000 kroner. Du betaler en fast, lav månedspris for å ha flexilån. Renter av brukt beløp og omkostninger trekkes direkte fra brukskonto. Søker du lån på nettet får du svar med en gang, og betaler bare halvt etableringsgebyr. Ønsker du gode råd om lån og hvordan dette påvirker økonomien din, ta kontakt for å avtale samtale med en rådgiver.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","termingebyr_1_a":"50","nominell_rente_1_a":"4,25","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakke_arsgebyr":"0","href":"bank/produktpakke/942","student":false,"spesielle_betingelser":"Boliglån forutsetter at du etablerer kundeforhold med lønnskonto med lønnsinngang og betalingstjenester. Lånerenten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Presenterte betingelser her tilsvarer bankens beste veilednende betingelser.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"02.09.2008","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":942},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakkeHref":"bank/produktpakke/942","href":"bank/boliglan/46299","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.09.2008","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"22.03.2013","published":true,"modified":"22.03.2013","modifier":"sphof","oppfolging":false,"id":46299},{"navn":"Boliglån - flytende 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nettsider.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"90","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"90","min_belop_c":"2 000 000","max_belop_c":"9 999 999","termingebyr_1_c":"90","nominell_rente_1_a":"4,00","nominell_rente_1_b":"3,90","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"klpbanken@klp.no","href":"leverandor/bank/473","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.klp.no","bytt_bank_url":"http://www.klp.no","bb_adresse1":"P.B. 400, Sentrum","bb_adresse2":"","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"22 03 79 00","bb_telefaks":"22 03 38 30","marked_boliglan":"Landsdekkende","marked_boliglan_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"KLP Banken 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Har du offentlig tjenestepensjon i KLP? 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Ved fylte 34 år konverteres lånebetingelsene til bankens ordinære priser. 60% av lånet plasseres normalt i vårt boligkredittselskap Eika Boligkreditt.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,05","nominell_rente_1_b":"3,95","nominell_rente_1_c":"3,75","leverandor":{"bb_epost":"banken@hegrasparebank.no","href":"leverandor/bank/337","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Einar Bergs veg 1","bb_adresse2":"","bb_postnr":"7520","bb_poststed":"Hegra","bb_telefon":"74 80 50 00","bb_telefaks":"74 80 26 30","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi ønsker kunder fra hele landet velkommen til å søke om boliglån og forsikring hos en trivelig bank med lokalbankens særpreg og personlige service.","marked_generell":"Landsdekkende","marked_generell_info":"Vi ønsker kunder fra hele landet velkommen til å søke om kundeforhold og tilbud om banksparing, forsikring og dagligbank tjenester hos en trivelig bank med lokalbankens særpreg og personlige service.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hegrasparebank.no","navn":"Hegra Sparebank","visningsnavn":"Hegra Sparebank","orgnr":"937903235","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":337},"leverandorVisningsnavn":"Hegra Sparebank","leverandorUrl":"http://www.hegrasparebank.no","leverandorNavn":"Hegra Sparebank","leverandorHref":"leverandor/bank/337","produktpakkeHref":"","href":"bank/boliglan/107374","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"34","publiserFra":"08.05.2013","published":true,"modified":"22.05.2013","modifier":"mab@hegrasparebank.no","oppfolging":false,"id":107374},{"navn":"Flexilån","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Krav om tilknytnig til Tysnes eller omegn og Heilkunde, som inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,75","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"produktpakke":{"navn":"Tysnes Aktiv Totalkunde","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakke_arsgebyr":"0","href":"bank/produktpakke/139813","student":false,"spesielle_betingelser":"Ein plan kan vera så mangt. Fyrst og fremst handlar det om å tenkja på kva du vil – kva som vil vera viktig for deg. Deretter handlar det om kva økonomiske prioriteringar du bør gjera for å koma til målet ditt. Ta ein total gjennomgang av situasjonen din hos lokalbanken. Denne vil danna grunnlag for korleis du bør leggja opp den personlege økonomien din. Fordelsprogrammet Tysnes Aktiv – til deg mellom 18 og 60 år Om du samlar alle banktenestene dine hos oss, kan du som aktiv totalkunde oppnå fordeler som: • Gebyrfri nettbank • Gebyrfri bruk av kort i Norge • Gebyrfri telefonbank/SMS-bank/mobilbank • Gunstigare rente på bustadlån • Eigen kunderådgjevar • Nettpost • Gebyrfritt kredittkort • Invitasjon til kundeseminar/arrangement Vilkår: • Total-/heilkunde (alle bankkonti og banktenester hos oss) • Løn, studielån el. pensjon inn på konto • Visakort\r\n• Bruk av nettbank (med nettpost). Heilkunde inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"60","produktpakke_navn":"Tysnes Aktiv Totalkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"18.04.2011","published":true,"modified":"27.02.2012","modifier":"brigitte","oppfolging":false,"id":139813},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakkeHref":"bank/produktpakke/139813","href":"bank/boliglan/139602","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"18.04.2011","produktpakkeNavn":"Tysnes Aktiv Totalkunde","maks_alder":"100","publiserFra":"06.06.2012","published":true,"modified":"25.04.2012","modifier":"britt.ersvaer@tysnes-sparebank.no","oppfolging":false,"id":139602},{"navn":"Spiro Pluss boliglån for deg under 34 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Spiro Pluss boliglån for deg under 34 år","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Strømmen Sparebank er en solid og selvstendig sparebank med god lokal forankring.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Er du under 34 år og Spiro Pluss kunde i Strømmen Sparebank får du ekstra gunstige betingelser på lån til bolig innenfor 85% av kjøpesum/takst : Nominell rente fra 3,60%.  Termingebyr kr 30,- forutsatt automatisk belastning på konto uten melding. Etableringsgebyr 0,-. 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( gratis bruk, ingen årsgebyr). Gratis valgfri design på visakortet. Reservekortet Vivo med kreditt. Egen kunderådgiver.\r\nBoliglån Spiro Pluss til bankens laveste rente, innenfor 85% av takst/salgsum. 0 i etableringsgebyr.\r\nBsu og Bsu pluss hvor du kan spare 200.000 ekstra med samme gode rente som på ordinær Bsu. 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Da\r\n               får du ekstra gode betingelser på sparing!\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.klp.no","url":"http://www.klp.no","navn":"KLP Banken AS","visningsnavn":"KLP Banken AS","orgnr":"993821837","modified":"01.06.2011","modifier":"tgu@klp.no","tilbyrSph":false,"oppfolging":false,"id":473},"produktpakke":{"navn":"Medlem i KLP","leverandor":{"bb_epost":"klpbanken@klp.no","href":"leverandor/bank/473","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.klp.no","bytt_bank_url":"http://www.klp.no","bb_adresse1":"P.B. 400, Sentrum","bb_adresse2":"","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"22 03 79 00","bb_telefaks":"22 03 38 30","marked_boliglan":"Landsdekkende","marked_boliglan_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner. Har du offentlig tjenestepensjon i KLP? Da\r\n               får du ekstra gode betingelser på sparing!\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.klp.no","url":"http://www.klp.no","navn":"KLP Banken AS","visningsnavn":"KLP Banken AS","orgnr":"993821837","modified":"01.06.2011","modifier":"tgu@klp.no","tilbyrSph":false,"oppfolging":false,"id":473},"leverandorVisningsnavn":"KLP Banken AS","leverandorUrl":"http://www.klp.no","leverandorNavn":"KLP Banken AS","leverandorHref":"leverandor/bank/473","produktpakke_arsgebyr":"0","href":"bank/produktpakke/159442","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Medlem i KLP","min_antall_produkter":"0","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"01.11.2011","published":false,"modified":"01.11.2011","modifier":"tgu@klp.no","oppfolging":false,"id":159442},"leverandorVisningsnavn":"KLP Banken AS","leverandorUrl":"http://www.klp.no","leverandorNavn":"KLP Banken AS","leverandorHref":"leverandor/bank/473","produktpakkeHref":"bank/produktpakke/159442","href":"bank/boliglan/159478","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"01.11.2011","produktpakkeNavn":"Medlem i KLP","maks_alder":"100","publiserFra":"24.04.2013","published":true,"modified":"24.04.2013","modifier":"tgu@klp.no","oppfolging":false,"id":159478},{"navn":"60% Eika Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% Eika Boligkreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Helkundeforhold til banken. (Inngå Kronkundeavtale, bl.a brukskonto med direkte overføring av lønn, pensjon eller trygd, kort og spareavtale.) ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","termingebyr_1_b":"35","nominell_rente_1_a":"3,75","nominell_rente_1_b":"3,75","leverandor":{"bb_epost":"post@orkdalsbanken.no","href":"leverandor/bank/354","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Orkdalsveien 84","bb_adresse2":"","bb_postnr":"7300","bb_poststed":"Orkanger","bb_telefon":"72466300","bb_telefaks":"72466346","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","navn":"Orkdal Sparebank","visningsnavn":"Orkdal Sparebank","orgnr":"947278770","modified":"04.01.2013","modifier":"terje.sletvold@orkdalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":354},"produktpakke":{"navn":"Kronkunde","leverandor":{"bb_epost":"post@orkdalsbanken.no","href":"leverandor/bank/354","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Orkdalsveien 84","bb_adresse2":"","bb_postnr":"7300","bb_poststed":"Orkanger","bb_telefon":"72466300","bb_telefaks":"72466346","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","navn":"Orkdal Sparebank","visningsnavn":"Orkdal Sparebank","orgnr":"947278770","modified":"04.01.2013","modifier":"terje.sletvold@orkdalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":354},"leverandorVisningsnavn":"Orkdal Sparebank","leverandorUrl":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","leverandorNavn":"Orkdal Sparebank","leverandorHref":"leverandor/bank/354","produktpakke_arsgebyr":"500","href":"bank/produktpakke/726","student":false,"spesielle_betingelser":"Hva må til for å bli kronkunde? • For å få fordelene som Kronkunde er det noen vilkår som må oppfylles: • Lønnskonto eller brukskonto hvor det går inn lønn, pensjon eller trygd • Det må være knyttet et kort til kontoen. Sparekonto med minimum innskudd kr. 25.000 eller sparekonto med fast sparing samt en lånesaldo over kr. 100.000 i årlig gjennomsnitt. • Ordnet økonomi. Pris på Kronkundepakken. Som Kronkunde betales en medlemsavgift pr. kvartal på kr. 125,- for enkeltperson og kr. 175,- for par. Fordeler som kronkunde: • Lønnskonto med høyere rente. • Kapitalkonto med høyere rente. Kort - gratis Visa-kort (på lønnskontoen), gebyrfrie uttak alle landets minibanker og gratis bruk av betalingsterminaler i Norge (ikke VISA-transaksjoner). • Betalingsformidling - gratis bruk av Nettbank, Telegiro og Avtalegiro. Lån og kreditt. Termingebyret på ett lån er tatt bort, forhåndsklarert kreditt opp til kr. 30.000, ingen provisjon på kreditt, kun rente.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Kronkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"100 000","min_sparing":"25 000","publiserFra":"12.12.2007","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":726},"leverandorVisningsnavn":"Orkdal Sparebank","leverandorUrl":"http://www.orkdalsbanken.no/Sider/forside.aspx?gclid=CJaM6ZiElacCFcWGDgod9UYxbQ","leverandorNavn":"Orkdal Sparebank","leverandorHref":"leverandor/bank/354","produktpakkeHref":"bank/produktpakke/726","href":"bank/boliglan/48669","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.12.2007","produktpakkeNavn":"Kronkunde","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"06.05.2013","modifier":"terje.sletvold@orkdalsbanken.no","oppfolging":false,"id":48669},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Ungdom 18-35 år ved førstegangs kjøp av bolig. Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"3,75","nominell_rente_1_b":"3,70","nominell_rente_1_c":"3,65","nominell_rente_1_d":"3,60","leverandor":{"bb_epost":"post@tsbank.no","href":"leverandor/bank/303","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Torget 5","bb_adresse2":"Postboks 114","bb_postnr":"1860","bb_poststed":"Trøgstad","bb_telefon":"69 82 49 00","bb_telefaks":"69 82 49 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.trogstad-sparebank.no","navn":"Trøgstad Sparebank","visningsnavn":"Trøgstad Sparebank","orgnr":"937885377","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":303},"produktpakke":{"navn":"BSU & lønnskonto","leverandor":{"bb_epost":"post@tsbank.no","href":"leverandor/bank/303","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Torget 5","bb_adresse2":"Postboks 114","bb_postnr":"1860","bb_poststed":"Trøgstad","bb_telefon":"69 82 49 00","bb_telefaks":"69 82 49 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.trogstad-sparebank.no","navn":"Trøgstad Sparebank","visningsnavn":"Trøgstad Sparebank","orgnr":"937885377","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":303},"leverandorVisningsnavn":"Trøgstad Sparebank","leverandorUrl":"http://www.trogstad-sparebank.no","leverandorNavn":"Trøgstad Sparebank","leverandorHref":"leverandor/bank/303","produktpakke_arsgebyr":"0","href":"bank/produktpakke/209063","student":false,"spesielle_betingelser":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Termingebyr forutsetter trekk på lønnskonto","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU & lønnskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.11.2012","published":true,"modified":"22.11.2012","modifier":"brigitte","oppfolging":false,"id":209063},"leverandorVisningsnavn":"Trøgstad Sparebank","leverandorUrl":"http://www.trogstad-sparebank.no","leverandorNavn":"Trøgstad Sparebank","leverandorHref":"leverandor/bank/303","produktpakkeHref":"bank/produktpakke/209063","href":"bank/boliglan/159577","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.11.2012","produktpakkeNavn":"BSU & lønnskonto","maks_alder":"35","publiserFra":"26.03.2012","published":true,"modified":"30.05.2013","modifier":"brigitte","oppfolging":false,"id":159577},{"navn":"Nedbetalingslån 60 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"500","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Nedbetalingslån 60 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"45","nominell_rente_1_a":"3,69","leverandor":{"bb_epost":"post@verdibanken.no","href":"leverandor/bank/299","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"P.b. 6604, St. Olavs Plass","bb_adresse2":"","bb_postnr":"0129","bb_poststed":"Oslo","bb_telefon":"22 99 14 00","bb_telefaks":"22 99 14 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","marked_generell":"Landsdekkende","marked_generell_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.verdibanken.no/","navn":"Verdibanken ASA","visningsnavn":"Verdibanken ASA","orgnr":"986144706","modified":"02.11.2011","modifier":"gunntove.hovdegard@verdibanken.no","tilbyrSph":false,"oppfolging":false,"id":299},"leverandorVisningsnavn":"Verdibanken ASA","leverandorUrl":"http://www.verdibanken.no/","leverandorNavn":"Verdibanken ASA","leverandorHref":"leverandor/bank/299","produktpakkeHref":"","href":"bank/boliglan/49937","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"03.04.2012","published":true,"modified":"03.04.2012","modifier":"gunntove.hovdegard@verdibanken.no","oppfolging":false,"id":49937},{"navn":"Flexikreditt 70 %","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexikreditt 70 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"20","rentebinding_ar":"0","forbehold":"Med flexikreditt kan du få en total låneramme på inntil 70 % av verdien på boligen din. Som sikkerhet for lånet godtas enebolig, selveierleilighet og fritidsbolig. Realkausjon godtas ikke. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"4 000 000","termingebyr_1_a":"0","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"Kundeservice@dinbank.no","href":"leverandor/bank/322","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 67","bb_adresse2":"","bb_postnr":"3301","bb_poststed":"Hokksund","bb_telefon":"09150","bb_telefaks":"32201280","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nettbanken DinBANK.no tilbyr banksparing og dagligbank-tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.dinbank.no","navn":"Din Bank","visningsnavn":"Din Bank (Sparebanken Øst)","orgnr":"937888937","modified":"06.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":322},"leverandorVisningsnavn":"Din Bank (Sparebanken Øst)","leverandorUrl":"http://www.dinbank.no","leverandorNavn":"Din Bank (Sparebanken Øst)","leverandorHref":"leverandor/bank/322","produktpakkeHref":"","href":"bank/boliglan/46631","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"12.11.2012","published":true,"modified":"12.02.2013","modifier":"gry.syversen@oest.no","oppfolging":false,"id":46631},{"navn":"Flexilån 70 % - flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"375","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån 70 % - flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Fordeler med flexilån:  Du får en total låneramme på inntil 70 % av verdien på boligen din. Du kan fritt bruke lånerammen til det du måtte ønske, uten å søke banken om nytt lån. Du overfører selv penger fra lånekontoen via enten nettbank eller telefonbank. Du bestemmer selv når du vil betale avdrag, så lenge du er innenfor lånerammen. Du får en total låneramme på inntil 70 % av verdien på boligen din. Du kan fritt bruke lånerammen til det du måtte ønske, uten å søke banken om nytt lån. Du overfører selv penger fra lånekontoen via enten nettbank eller telefonbank. Du bestemmer selv når du vil betale avdrag, så lenge du er innenfor lånerammen. Ekstra-kunder har halvt etablerings- og depotgebyr ved lån/refinansiering.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"70","min_belop_b":"2 000 000","termingebyr_1_b":"70","nominell_rente_1_a":"4,15","nominell_rente_1_b":"3,85","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"produktpakke":{"navn":"Ekstra","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakke_arsgebyr":"900","href":"bank/produktpakke/608","student":false,"spesielle_betingelser":"Med Ekstra i SpareBank 1 Oslo Akershus får du gode fordeler som gjør din bruk av banken rimeligere og mer praktisk. Kort og betaling - Kombinert VISA og Minibank/Betalingskort uten årsgebyr. Ingen gebyrer på uttak i SpareBank 1s minibanker. Ingen gebyrer på varekjøp i Norge og i utlandet. Gebyrfri betalingsformidling ved bruk av AvtaleGiro, Nettbank og Telefonbank. Gebyrfrie nødkontanter inntil kr 40.000,-. Kontokreditt uten provisjon og etablerings-kostnader inntil kr 150.000,- etter kreditt-vurdering. Kun belastning av renter ved bruk. Lån - 0,25 til 0,45 prosentpoeng lavere rente på lån med sikkerhet i bolig. Halvt etablerings- og depotgebyr ved lån/refinansiering. 0,5 % lavere rente på lån med sikkerhet i bil via vår samarbeidspartner SpareBank 1 Finans Østlandet. Sparing - 25 % rabatt på kjøpsgebyr ved kjøp av fond og/eller Unit Link og/eller Livrente for minst kr 50.000,-. Bolig - \r\nKr 1.750,- i rabatt hos EiendomsMegler 1 ved salg av eiendom. Forsikring - 5 % rabatt på skadeforsikring i SpareBank 1. Medlemskapet gir grunnlag for å søke om kredittkortene  MasterCard/Visa Gold.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ekstra","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"15.04.2008","published":true,"modified":"02.02.2012","modifier":"brigitte","oppfolging":false,"id":608},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/608","href":"bank/boliglan/46833","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.04.2008","produktpakkeNavn":"Ekstra","maks_alder":"100","publiserFra":"15.03.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":46833},{"navn":"Boliglån standard","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån standard","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"3","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 200 000","termingebyr_1_a":"25","min_belop_b":"1 200 000","max_belop_b":"2 000 000","termingebyr_1_b":"25","min_belop_c":"2 000 001","termingebyr_1_c":"25","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,60","nominell_rente_1_c":"4,05","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakke_arsgebyr":"0","href":"bank/produktpakke/196264","student":false,"spesielle_betingelser":"Termingebyr kr 25,- for lån forutsetter automatisk belastning på etablert brukskonto med lønnsinngang i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.06.2012","published":true,"modified":"13.06.2012","modifier":"brigitte","oppfolging":false,"id":196264},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakkeHref":"bank/produktpakke/196264","href":"bank/boliglan/49803","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.06.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"geir.ostensen@modum.sparebank1.no","oppfolging":false,"id":49803},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Sparebanken Hemne har ingen begrensninger mht markedsområde.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,25","nominell_rente_1_b":"4,15","nominell_rente_1_c":"3,95","leverandor":{"bb_epost":"post@sparebankenhemne.no","href":"leverandor/bank/339","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Sparebanken Hemne","bb_adresse2":"Øragt. 5","bb_postnr":"7200","bb_poststed":"Kyrksæterøra","bb_telefon":"72450700","bb_telefaks":"72450730","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sparebanken Hemne har ingen begrensninger mht markedsområde.","marked_generell":"Landsdekkende","marked_generell_info":"Sparebanken Hemne har ingen begrensninger mht markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebankenhemne.no","navn":"Sparebanken Hemne","visningsnavn":"Sparebanken Hemne","orgnr":"937902174","modified":"19.04.2012","modifier":"kk@sparebankenhemne.no","tilbyrSph":false,"oppfolging":false,"id":339},"leverandorVisningsnavn":"Sparebanken Hemne","leverandorUrl":"http://www.sparebankenhemne.no","leverandorNavn":"Sparebanken Hemne","leverandorHref":"leverandor/bank/339","produktpakkeHref":"","href":"bank/boliglan/46457","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"21.03.2013","modifier":"kk@sparebankenhemne.no","oppfolging":false,"id":46457},{"navn":"Flexilån","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Revurdering etter 10 år","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"post@hjartdalbanken.no","href":"leverandor/bank/336","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3665","bb_poststed":"Sauland","bb_telefon":"35028400","bb_telefaks":"35028401","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hjartdalbanken.no","navn":"Hjartdal og Gransherad Sparebank","visningsnavn":"Hjartdal og Gransherad Sparebank","orgnr":"937893299","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":336},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@hjartdalbanken.no","href":"leverandor/bank/336","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3665","bb_poststed":"Sauland","bb_telefon":"35028400","bb_telefaks":"35028401","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vi er en lokalbank med personlig kontakt og raske beslutninger. Vi skal være den beste totalleverandøren av enkle og verdifulle\n               løsninger i vårt lokalmarked.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.hjartdalbanken.no","navn":"Hjartdal og Gransherad Sparebank","visningsnavn":"Hjartdal og Gransherad Sparebank","orgnr":"937893299","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":336},"leverandorVisningsnavn":"Hjartdal og Gransherad Sparebank","leverandorUrl":"http://www.hjartdalbanken.no","leverandorNavn":"Hjartdal og Gransherad Sparebank","leverandorHref":"leverandor/bank/336","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178262","student":false,"spesielle_betingelser":"For boliglån forutsettes det at kundeforhold med bruks-/lønnskonto med lønnsinngang etableres.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178262},"leverandorVisningsnavn":"Hjartdal og Gransherad Sparebank","leverandorUrl":"http://www.hjartdalbanken.no","leverandorNavn":"Hjartdal og Gransherad Sparebank","leverandorHref":"leverandor/bank/336","produktpakkeHref":"bank/produktpakke/178262","href":"bank/boliglan/46083","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"26.03.2013","published":true,"modified":"27.03.2013","modifier":"thor.bjorlin@hjartdalbanken.no","oppfolging":false,"id":46083},{"navn":"60% - Terra Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% - Terra Boligkreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vegårshei Sparebank har sitt hovedkontor sentralt beliggende i Myra på Vegårshei, samt avdeling i Vestervei i Tvedestrand.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"1 999 999","termingebyr_1_a":"35","min_belop_b":"2 000 000","termingebyr_1_b":"35","nominell_rente_1_a":"3,80","nominell_rente_1_b":"3,80","leverandor":{"bb_epost":"postmaster@vegarsheibanken.no","href":"leverandor/bank/300","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"4985","bb_poststed":"Vegårshei","bb_telefon":"37170060","bb_telefaks":"37170070","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vegårshei Sparebank har sitt hovedkontor sentralt beliggende i Myra på Vegårshei, samt avdeling i Vestervei i Tvedestrand.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vegårshei Sparebank har sitt hovedkontor sentralt beliggende i Myra på Vegårshei, samt avdeling i Vestervei i Tvedestrand.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vegarsheibanken.no","navn":"Vegårshei Sparebank","visningsnavn":"Vegårshei Sparebank","orgnr":"937894449","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":300},"leverandorVisningsnavn":"Vegårshei Sparebank","leverandorUrl":"http://www.vegarsheibanken.no","leverandorNavn":"Vegårshei Sparebank","leverandorHref":"leverandor/bank/300","produktpakkeHref":"","href":"bank/boliglan/47163","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"08.04.2013","publiserTil":"31.12.2013","published":true,"modified":"11.04.2013","modifier":"kol@vegarsheibanken.no","oppfolging":false,"id":47163},{"navn":"Boliglån","max_lopetid":"35","kap_periode":"1","etableringsgebyr":"1 600","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Nordvest ønsker å være der for deg som kunde i ulike livssituasjoner og kan tilby ulike økonomiske løsninger.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Hos oss får du et trygt, enkelt og fleksibelt boliglån. Fordeler med å velge oss på boliglån - Konkurransedyktige priser. Sikkerhet i alle typer bolig. Fleksibel nedbetalingstid. God rådgivning. Du kan kontakte din personlige rådgiver dersom du har spørsmål eller ønsker en helhetlig gjennomgang av din økonomi og dine forsikringer. Søk om boliglån - få svar på dagen. Søknaden behandles automatisk. Vi tar likevel kontakt med deg for en gjennomgang når vi har mottatt søknaden. Er du kunde hos oss er det enda enklere å søke om boliglån inne i nettbanken. Renten fastsettes individuelt ut fra en vurdering av belåningsgrad, betjeningsevne og øvrig kundeforhold.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 000 000","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"2 000 000","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,50","nominell_rente_1_b":"4,30","nominell_rente_1_c":"4,00","leverandor":{"bb_epost":"nordvest@snv.no","href":"leverandor/bank/259","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 23","bb_adresse2":"","bb_postnr":"6501","bb_poststed":"Kristiansund","bb_telefon":"03900","bb_telefaks":"71580151","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Nordvest ønsker å være der for deg som kunde i ulike livssituasjoner og kan tilby ulike økonomiske løsninger.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Nordvest ønsker å være der for deg som kunde i ulike livssituasjoner og kan tilby ulike økonomiske løsninger.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.snv.no","navn":"Sparebank 1 Nordvest","visningsnavn":"Sparebank 1 Nordvest","orgnr":"937899408","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":259},"leverandorVisningsnavn":"Sparebank 1 Nordvest","leverandorUrl":"http://www.snv.no","leverandorNavn":"Sparebank 1 Nordvest","leverandorHref":"leverandor/bank/259","produktpakkeHref":"","href":"bank/boliglan/49223","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"19.03.2013","published":true,"modified":"12.04.2013","modifier":"hans.mellemsether@snv.no","oppfolging":false,"id":49223},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"RørosBanken har ingen  geografiske begrensninger på tilbud av boliglån.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"firmapost@rorosbanken.no","href":"leverandor/bank/347","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.rorosbanken.no","bytt_bank_url":"http://www.rorosbanken.no","bb_adresse1":"Postuttak D","bb_adresse2":"","bb_postnr":"7361","bb_poststed":"Røros","bb_telefon":"72409000","bb_telefaks":"72409001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"RørosBanken har ingen  geografiske begrensninger på tilbud av boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"RørosBanken har ingen  geografiske begrensninger på tilbud om banksparing og dagligbank tjenester.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.rorosbanken.no","url":"http://www.rorosbanken.no","navn":"Røros Sparebank","visningsnavn":"Rørosbanken Røros Sparebank","orgnr":"956548888","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":347},"produktpakke":{"navn":"BSU-sparing","leverandor":{"bb_epost":"firmapost@rorosbanken.no","href":"leverandor/bank/347","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.rorosbanken.no","bytt_bank_url":"http://www.rorosbanken.no","bb_adresse1":"Postuttak D","bb_adresse2":"","bb_postnr":"7361","bb_poststed":"Røros","bb_telefon":"72409000","bb_telefaks":"72409001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"RørosBanken har ingen  geografiske begrensninger på tilbud av boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"RørosBanken har ingen  geografiske begrensninger på tilbud om banksparing og dagligbank tjenester.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.rorosbanken.no","url":"http://www.rorosbanken.no","navn":"Røros Sparebank","visningsnavn":"Rørosbanken Røros Sparebank","orgnr":"956548888","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":347},"leverandorVisningsnavn":"Rørosbanken Røros Sparebank","leverandorUrl":"http://www.rorosbanken.no","leverandorNavn":"Rørosbanken Røros Sparebank","leverandorHref":"leverandor/bank/347","produktpakke_arsgebyr":"0","href":"bank/produktpakke/149774","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"35","produktpakke_navn":"BSU-sparing","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"06.09.2011","published":true,"modified":"12.10.2011","modifier":"stein.rosten@rorosbanken.no","oppfolging":false,"id":149774},"leverandorVisningsnavn":"Rørosbanken Røros Sparebank","leverandorUrl":"http://www.rorosbanken.no","leverandorNavn":"Rørosbanken Røros Sparebank","leverandorHref":"leverandor/bank/347","produktpakkeHref":"bank/produktpakke/149774","href":"bank/boliglan/48373","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"06.09.2011","produktpakkeNavn":"BSU-sparing","maks_alder":"35","publiserFra":"19.04.2013","published":true,"modified":"19.04.2013","modifier":"stein.rosten@rorosbanken.no","oppfolging":false,"id":48373},{"navn":"Boliglån Ung","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"250","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån Ung","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Boliglån Ung gir deg under 34 år vårt beste rentetilbud på boliglån. Kriteriene for å kunne benytte seg av Boliglån Ung. Mellom 18-33 år for en av låntakerene. Låntaker(-ne) må ha lønnskonto med lønnsinngang og betalingskort. Sparing på kr. 500,- per måned, for eksempel BSU eller SpareKonto med minst kr. 50 000,- innestående. Motta tilbud om skade- og livsforsikring. Etableringsgebyr lån/kreditter over 2 mill. kr 2.000,- og sikkerhetsgebyr kr 250,- ved tinglysing av andre inst. pantobl/skjøte (off. avgifter kommer i tillegg). Termingebyr for belastning av terminbeløp (renter, avdrag og termingebyr) på konto kr 40,- per måned.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","termingebyr_1_a":"40","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@time-sparebank.no","href":"leverandor/bank/307","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 325","bb_adresse2":"","bb_postnr":"4349","bb_poststed":"Bryne","bb_telefon":"51 77 91 00","bb_telefaks":"51 48 36 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.time-sparebank.no","navn":"Time Sparebank","visningsnavn":"Time Sparebank","orgnr":"937896204","modified":"11.05.2012","modifier":"ola.auglend@time-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":307},"produktpakke":{"navn":"Ska Sei 20 - 22 år","leverandor":{"bb_epost":"post@time-sparebank.no","href":"leverandor/bank/307","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 325","bb_adresse2":"","bb_postnr":"4349","bb_poststed":"Bryne","bb_telefon":"51 77 91 00","bb_telefaks":"51 48 36 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.time-sparebank.no","navn":"Time Sparebank","visningsnavn":"Time Sparebank","orgnr":"937896204","modified":"11.05.2012","modifier":"ola.auglend@time-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":307},"leverandorVisningsnavn":"Time Sparebank","leverandorUrl":"http://www.time-sparebank.no","leverandorNavn":"Time Sparebank","leverandorHref":"leverandor/bank/307","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201801","student":false,"spesielle_betingelser":"Enten du er yrkesaktiv eller student, det er\r\nmange valg du må foreta fremover.\r\nSom kunde hos oss ønsker vi å gi deg de beste\r\nløsningene innen sparing, kort, lån og forsikring.","pensjonist":false,"min_alder":"20","maks_alder":"22","produktpakke_navn":"Ska Sei 20 - 22 år","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"06.12.2007","published":true,"modified":"18.09.2012","modifier":"brigitte","oppfolging":false,"id":201801},"leverandorVisningsnavn":"Time Sparebank","leverandorUrl":"http://www.time-sparebank.no","leverandorNavn":"Time Sparebank","leverandorHref":"leverandor/bank/307","produktpakkeHref":"bank/produktpakke/201801","href":"bank/boliglan/159496","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"06.12.2007","produktpakkeNavn":"Ska Sei 20 - 22 år","maks_alder":"33","publiserFra":"05.05.2013","published":true,"modified":"13.05.2013","modifier":"ola.auglend@time-sparebank.no","oppfolging":false,"id":159496},{"navn":"Flexilån","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Lillesands Sparebank hjelper deg når du har behov for å låne penger. Vår hovedoppgave er å bistå med utlån og kreditter til\n               personer og næringsvirksomhet i Lillesand kommune, samt utenbys personer med tilknytning til Lillesand.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"30","min_belop_b":"2 000 000","termingebyr_1_b":"30","nominell_rente_1_a":"3,95","nominell_rente_1_b":"3,70","leverandor":{"bb_epost":"post@lillesands-sparebank.no","href":"leverandor/bank/366","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"4791","bb_poststed":"Lillesand","bb_telefon":"37 26 92 00","bb_telefaks":"37 26 92 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Lillesands Sparebank hjelper deg når du har behov for å låne penger. Vår hovedoppgave er å bistå med utlån og kreditter til\n               personer og næringsvirksomhet i Lillesand kommune, samt utenbys personer med tilknytning til Lillesand.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Lillesands Sparebank tilbyr kundeforhold, banksparing og dagligbank-tjenester til personer og næringsvirksomhet i Lillesand\n               kommune, samt utenbys personer med tilknytning til Lillesand.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.lillesands-sparebank.no","navn":"Lillesands Sparebank","visningsnavn":"Lillesands Sparebank","orgnr":"937893655","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":366},"leverandorVisningsnavn":"Lillesands Sparebank","leverandorUrl":"http://www.lillesands-sparebank.no","leverandorNavn":"Lillesands Sparebank","leverandorHref":"leverandor/bank/366","produktpakkeHref":"","href":"bank/boliglan/49491","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"02.04.2012","published":true,"modified":"31.05.2013","modifier":"brigitte","oppfolging":false,"id":49491},{"navn":"Aktiv Ung Voksen Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Aktiv Ung Voksen Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Rentesats fastsettes i forhold til den sikkerhet som tilbys. Låntakers betalingsevne forutsettes dokumentert.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"produktpakke":{"navn":"Aktiv Ung Voksen","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakke_arsgebyr":"360","href":"bank/produktpakke/574","student":false,"spesielle_betingelser":"Aktiv Ung Voksen er et eget kundeprogram for deg mellom 18 og 26 år! Aktiv Ung Voksen gir deg følgende fordeler: • Mulighet for lavere rente på boliglån. • Fast kontaktperson i banken, hvis ønskelig. • Gratis bruk av NettBank, Avtalegiro og e-Faktura. • Gratis VISA-kort (årsgebyr). Ingen gebyr ved bruk av kort, hverken ved varekjøp eller uttak i\r\nminibank. *) *) VISA-varekjøp i Norge og utlandet, samt bruk av utenlandske minibanker medfører ordinære gebyr. NYHET! Kredittkortet Vivo - penger i reserve og ekstra trygghet\r\nnår du skal ut og reise. PRIS FOR AKTIV UNG VOKSEN ER KR 30,- PR. MÅNED\r\nMed Aktiv Ung Voksen har du et glimrende utgangspunkt for å få tilbud på produkter og tjenester som passer deg og din situasjon til enhver tid. Vi nevner f.eks BSU (Boligsparing for ungdom), bilforsikring, førstehjemslån etc. Vi har også satt sammen en gunstig forsikringspakke for deg som skal ut på \"egne ben\". Snakk med oss om Startpakke for Ungdom. Ta kontakt med oss for å få fordelene i kundeprogrammet Aktiv Ung Voksen.","pensjonist":false,"min_alder":"18","maks_alder":"26","produktpakke_navn":"Aktiv Ung Voksen","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":574},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakkeHref":"bank/produktpakke/574","href":"bank/boliglan/46555","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Aktiv Ung Voksen","maks_alder":"26","publiserFra":"01.09.2012","published":true,"modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","oppfolging":false,"id":46555},{"navn":"Lån 60 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 650","depotgebyr":"300","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Lån 60 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Primærområdet for boliglån er i første rekke kommuner på Nordmøre og i Sør-Trøndelag. Ut over dette er markedet  Oslo-området,\r\n               samt i og i nærheten av andre store norske byer. Alle søknader blir vurdert individuelt.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Surnadal Sparebank gir lån til de fleste formål, med forskjellig sikkerhet og til konkurransedyktige priser. Prisen blir fastsatt primært etter den sikkerhet kunden tilbyr, men det tas også hensyn til kundeforhold og betjeningsevne. Termingebyr for lån forutsetter at termingebyr (renter og avdrag) for boliglånet automatisk trekkes månedlig på etablert brukskonto med lønnsinngang i banken.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 500 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@bank.no","href":"leverandor/bank/369","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Surnadal Sparebank","bb_adresse2":"Postboks 54","bb_postnr":"6656","bb_poststed":"Surnadal","bb_telefon":"07166","bb_telefaks":"71 66 27 27","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke kommuner på Nordmøre og i Sør-Trøndelag. Ut over dette er markedet  Oslo-området,\r\n               samt i og i nærheten av andre store norske byer. Alle søknader blir vurdert individuelt.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankens primærområde er indre Nordmøre, men den teknologiske utvikling har bidratt til at vi også kan betjene våre kunder\r\n               i alle deler av landet - like enkelt som våre nærkunder.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bank.no","navn":"Surnadal Sparebank","visningsnavn":"Surnadal Sparebank","orgnr":"937900031","modified":"28.07.2011","modifier":"knut.haugen@bank.no","tilbyrSph":false,"oppfolging":false,"id":369},"leverandorVisningsnavn":"Surnadal Sparebank","leverandorUrl":"http://www.bank.no","leverandorNavn":"Surnadal Sparebank","leverandorHref":"leverandor/bank/369","produktpakkeHref":"","href":"bank/boliglan/46585","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"19","produktpakkeNavn":"Ingen","maks_alder":"59","publiserFra":"12.04.2012","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":46585},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","termingebyr_1_a":"25","nominell_rente_1_a":"4,25","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"produktpakke":{"navn":"Helkunde Privat Ekstra","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakke_arsgebyr":"0","href":"bank/produktpakke/196258","student":false,"spesielle_betingelser":"Vår fordelspakke Privat Ekstra, er satt sammen av tjenester du virkelig kan dra nytte av. \r\nPrivat Ekstra gir deg flere fordeler. De aller fleste bruker banken sin på flere forskjellige områder som utlån, innskudd, regningsbetaling osv. Dessuten har vi gjerne behov for betalingskort og mange ønsker seg også kredittkort. Som lønnskontokunde hos oss kan du velge og kjøpe Privat Ekstra. Du får da en rekke fordeler som gjør det rimeligere og mer praktisk for deg når du skal bruke banken. I tillegg til medlemsfordelene i Privat Ekstra får du som fordelskunde og helkunde i vår bank: * 0,25% i rabatt på lån med pant i bolig\r\n* alternativt 0,25% bedre rente på kapitalkonto OBS: For å bli Privat Ekstra kunde forutsettes det en kredittvurdering og et kundeforhold i tråd med våre Privat Ekstra kriterier.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde Privat Ekstra","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"50 000","publiserFra":"14.12.2007","published":true,"modified":"13.06.2012","modifier":"brigitte","oppfolging":false,"id":196258},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakkeHref":"bank/produktpakke/196258","href":"bank/boliglan/46535","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.12.2007","produktpakkeNavn":"Helkunde Privat Ekstra","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"geir.ostensen@modum.sparebank1.no","oppfolging":false,"id":46535},{"navn":"Flexilån over 2 mill","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån over 2 mill","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Har du planer om å pusse opp boligen, kjøpe ny bil, båt eller motorsykkel? Hva med nye møbler eller en tur til Spania? Eller ønsker du å foreta andre investeringer? Flexilån gir deg økonomisk frihet til å gjøre det du ønsker når det passer deg. Nå har du sjansen til å få innfridd noe av det du drømmer om på en enkel måte. Hvordan fungerer ordningen? Du får en total låneramme på inntil 60% av verdien på boligen din. Ordinær kredittvurdering. Du kan fritt bruke lånerammen til det du måtte ønske, uten å søke banken om nytt lån. Du disponerer lånerammen i NettBank eller med skriftlig fullmakt til banken om overføring til egen konto. Du får en løpetid på lånerammen på inntil 20 år. Fordeler Du kan fritt bruke lånerammen til det du måtte ønske. Du slipper å søke banken om nytt lån. Du velger selv når du vil nedbetale på lånet. Kostnader Du får en boliglånsrente på lånerammen som fastsettes individuelt på bakgrunn av en totalvurdering. Omkostningene er kr. 50,- pr. måned.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"produktpakke":{"navn":"Helkunde Privat Ekstra","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakke_arsgebyr":"0","href":"bank/produktpakke/196258","student":false,"spesielle_betingelser":"Vår fordelspakke Privat Ekstra, er satt sammen av tjenester du virkelig kan dra nytte av. \r\nPrivat Ekstra gir deg flere fordeler. De aller fleste bruker banken sin på flere forskjellige områder som utlån, innskudd, regningsbetaling osv. Dessuten har vi gjerne behov for betalingskort og mange ønsker seg også kredittkort. Som lønnskontokunde hos oss kan du velge og kjøpe Privat Ekstra. Du får da en rekke fordeler som gjør det rimeligere og mer praktisk for deg når du skal bruke banken. I tillegg til medlemsfordelene i Privat Ekstra får du som fordelskunde og helkunde i vår bank: * 0,25% i rabatt på lån med pant i bolig\r\n* alternativt 0,25% bedre rente på kapitalkonto OBS: For å bli Privat Ekstra kunde forutsettes det en kredittvurdering og et kundeforhold i tråd med våre Privat Ekstra kriterier.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde Privat Ekstra","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"50 000","publiserFra":"14.12.2007","published":true,"modified":"13.06.2012","modifier":"brigitte","oppfolging":false,"id":196258},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakkeHref":"bank/produktpakke/196258","href":"bank/boliglan/46531","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.12.2007","produktpakkeNavn":"Helkunde Privat Ekstra","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"geir.ostensen@modum.sparebank1.no","oppfolging":false,"id":46531},{"navn":"Lån innanfor 60% ISSB Total","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Lån innanfor 60% ISSB Total","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Boliglån med flytende rente følger utviklingen i markedsrenten. Det billigste alternativet over tid. Kan kombineres med et fastrentelån. Avdragsfritt inntil 10 år. Om lånet: Serielån nedbetales med like avdrag hver måned, rentedelen avtar over tid. Annuitetslån nedbetales med samme beløp hver måned. Bytte bolig i bindingsperioden. Etterskuddsvis renteberegning. Mulighet for gunstig finansiering gjennom Terra BoligKreditt. Løpetid inntil 30 år. Kan endres til fast rente. Opplyst utlånsrente forutsetter at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Total","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129863","student":false,"spesielle_betingelser":"ISSB Total føresetter at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i Indre\r\nSogn Sparebank. Dersom du har lån med pant i fast eigedom så må dette finansierast i banken. Vi\r\ntilbyr og telebank/SMS-bank.\r\n\r\nDet skal til ei kvar tid være inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, eller verdipapirkonto).","pensjonist":false,"min_alder":"30","maks_alder":"150","produktpakke_navn":"ISSB Total","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129863},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129863","href":"bank/boliglan/129873","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Total","maks_alder":"150","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129873},{"navn":"Lån innanfor 85% ISSB Ung","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Lån innanfor 85% ISSB Ung","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Boliglån med flytende rente følger utviklingen i markedsrenten. Det billigste alternativet over tid. Kan kombineres med et fastrentelån. Avdragsfritt inntil 10 år. Om lånet: Serielån nedbetales med like avdrag hver måned, rentedelen avtar over tid. Annuitetslån nedbetales med samme beløp hver måned. Bytte bolig i bindingsperioden. Etterskuddsvis renteberegning. Mulighet for gunstig finansiering gjennom Ëika BoligKreditt. Løpetid inntil 30 år. Kan endres til fast rente. Opplyst utlånsrente forutsetter at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Ung 18 - 30","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129861","student":false,"spesielle_betingelser":"ISSB Ung 18 - 30 føreset at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i\r\nIndre Sogn Sparebank. Vil tilbyr og telebank/SMS-bank.\r\n•\r\nDet skal til ei kvar tid vere inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, BSU eller verdipapirkonto).","pensjonist":false,"min_alder":"18","maks_alder":"30","produktpakke_navn":"ISSB Ung 18 - 30","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129861},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129861","href":"bank/boliglan/129878","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Ung 18 - 30","maks_alder":"30","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129878},{"navn":"Boliglån 75 %","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"400","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Skudenes & Aakra Sparebank har kontorer i Skudeneshavn, Vedavågen, Kopervik og Avaldsnes i Karmøy Kommune.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"1","rentebinding_ar":"0","forbehold":"Boligkjøp er en investering som påvirker økonomien din i lang tid. Før du låner penger til bolig, bør du skaffe deg en oversikt over egen økonomi. Kontakter du en av våre rådgivere, får du en kvalifisert vurdering av hvor stort boliglån du kan ha. Opplyst utlånsrente er bankens laveste veiledende betingelser. Den endelige utlånsrente man vil få fastsettes etter individuell vurdering av lånesøknad og kundeforhold. Avdragsfrihet etter avtale. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,40","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"post@skudeaakra.no","href":"leverandor/bank/290","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"4296","bb_poststed":"Åkrehamn","bb_telefon":"03361","bb_telefaks":"52 84 52 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Skudenes & Aakra Sparebank har kontorer i Skudeneshavn, Vedavågen, Kopervik og Avaldsnes i Karmøy Kommune.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Skudenes & Aakra Sparebank har kontorer i Skudeneshavn, Vedavågen, Kopervik og Avaldsnes i Karmøy Kommune.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.skudeaakra.no","navn":"Skudenes & Aakra Sparebank","visningsnavn":"Skudenes & Aakra Sparebank","orgnr":"937896670","modified":"05.05.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":290},"leverandorVisningsnavn":"Skudenes & Aakra Sparebank","leverandorUrl":"http://www.skudeaakra.no","leverandorNavn":"Skudenes & Aakra Sparebank","leverandorHref":"leverandor/bank/290","produktpakkeHref":"","href":"bank/boliglan/46677","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"08.04.2013","modifier":"thomas.J.Liknes@skudeaakra.no","oppfolging":false,"id":46677},{"navn":"60% Terra BoligKreditt","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"600","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% Terra BoligKreditt","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er Oslo/Akershus.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"4,75","nominell_rente_1_b":"4,30","nominell_rente_1_c":"3,95","nominell_rente_1_d":"3,60","leverandor":{"bb_epost":"lillestrombanken@lillestrombanken.no","href":"leverandor/bank/325","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb 143","bb_adresse2":"","bb_postnr":"2001","bb_poststed":"Lillestrøm","bb_telefon":"63804200","bb_telefaks":"63804201","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er Oslo/Akershus.","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er Oslo/Akershus.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.lillestrombanken.no","navn":"LillestrømBanken","visningsnavn":"LillestrømBanken (Lillestrøm Sparebank)","orgnr":"937885911","modified":"22.04.2013","modifier":"js@lillestrombanken.no","tilbyrSph":false,"oppfolging":false,"id":325},"leverandorVisningsnavn":"LillestrømBanken (Lillestrøm Sparebank)","leverandorUrl":"http://www.lillestrombanken.no","leverandorNavn":"LillestrømBanken (Lillestrøm Sparebank)","leverandorHref":"leverandor/bank/325","produktpakkeHref":"","href":"bank/boliglan/200919","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"08.04.2013","modifier":"js@lillestrombanken.no","oppfolging":false,"id":200919},{"navn":"80%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"80%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt primærområde for boliglån er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi gir også boliglån til utflyttede fra vårt primærområde.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,70","leverandor":{"bb_epost":"post@slidrebanken.no","href":"leverandor/bank/298","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Posboks 24","bb_adresse2":"","bb_postnr":"2966","bb_poststed":"Slidre","bb_telefon":"61343600","bb_telefaks":"61343620","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primærområde for boliglån er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi gir også boliglån til utflyttede fra vårt primærområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi yter også banktjenester for utflyttede fra vårt primærområde. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.slidrebanken.no","navn":"Vestre Slidre Sparebank","visningsnavn":"Vestre Slidre Sparebank","orgnr":"937888759","modified":"06.05.2013","modifier":"espen@slidrebanken.no","tilbyrSph":false,"oppfolging":false,"id":298},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@slidrebanken.no","href":"leverandor/bank/298","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Posboks 24","bb_adresse2":"","bb_postnr":"2966","bb_poststed":"Slidre","bb_telefon":"61343600","bb_telefaks":"61343620","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primærområde for boliglån er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi gir også boliglån til utflyttede fra vårt primærområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi yter også banktjenester for utflyttede fra vårt primærområde. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.slidrebanken.no","navn":"Vestre Slidre Sparebank","visningsnavn":"Vestre Slidre Sparebank","orgnr":"937888759","modified":"06.05.2013","modifier":"espen@slidrebanken.no","tilbyrSph":false,"oppfolging":false,"id":298},"leverandorVisningsnavn":"Vestre Slidre Sparebank","leverandorUrl":"http://www.slidrebanken.no","leverandorNavn":"Vestre Slidre Sparebank","leverandorHref":"leverandor/bank/298","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179609","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":179609},"leverandorVisningsnavn":"Vestre Slidre Sparebank","leverandorUrl":"http://www.slidrebanken.no","leverandorNavn":"Vestre Slidre Sparebank","leverandorHref":"leverandor/bank/298","produktpakkeHref":"bank/produktpakke/179609","href":"bank/boliglan/230633","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"06.05.2013","published":true,"modified":"06.05.2013","modifier":"espen@slidrebanken.no","oppfolging":false,"id":230633},{"navn":"Aktiv Ung Voksen Lån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"simulert_forskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Aktiv Ung Voksen Lån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Boliglån med flytende rente følger utviklingen i markedsrenten, som normalt vil være det billigste alternativet over tid. Boliglån med flytende rente kan kombineres med et fastrentelån og holdes avdragsfritt i inntil 10 år. Annuitetslån nedbetales med samme beløp hver måned . Serielån nedbetales med like avdrag hver måned, rentedelen avtar over tid. Du kan bytte bolig i bindingsperioden forutsatt at pant for lånet kan etableres med 1. prioritet i ny bolig. Etterskuddsvis renteberegning. Mulighet for gunstig finansiering gjennom Terra BoligKreditt. Løpetid inntil 30 år. Rentesats fastsettes i forhold til den sikkerhet som tilbys. Låntakers betalingsevne forutsettes dokumentert.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"produktpakke":{"navn":"Aktiv Ung Voksen","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakke_arsgebyr":"360","href":"bank/produktpakke/574","student":false,"spesielle_betingelser":"Aktiv Ung Voksen er et eget kundeprogram for deg mellom 18 og 26 år! Aktiv Ung Voksen gir deg følgende fordeler: • Mulighet for lavere rente på boliglån. • Fast kontaktperson i banken, hvis ønskelig. • Gratis bruk av NettBank, Avtalegiro og e-Faktura. • Gratis VISA-kort (årsgebyr). Ingen gebyr ved bruk av kort, hverken ved varekjøp eller uttak i\r\nminibank. *) *) VISA-varekjøp i Norge og utlandet, samt bruk av utenlandske minibanker medfører ordinære gebyr. NYHET! Kredittkortet Vivo - penger i reserve og ekstra trygghet\r\nnår du skal ut og reise. PRIS FOR AKTIV UNG VOKSEN ER KR 30,- PR. MÅNED\r\nMed Aktiv Ung Voksen har du et glimrende utgangspunkt for å få tilbud på produkter og tjenester som passer deg og din situasjon til enhver tid. Vi nevner f.eks BSU (Boligsparing for ungdom), bilforsikring, førstehjemslån etc. Vi har også satt sammen en gunstig forsikringspakke for deg som skal ut på \"egne ben\". Snakk med oss om Startpakke for Ungdom. Ta kontakt med oss for å få fordelene i kundeprogrammet Aktiv Ung Voksen.","pensjonist":false,"min_alder":"18","maks_alder":"26","produktpakke_navn":"Aktiv Ung Voksen","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":574},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakkeHref":"bank/produktpakke/574","href":"bank/boliglan/46553","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Aktiv Ung Voksen","maks_alder":"26","publiserFra":"01.09.2012","published":true,"modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","oppfolging":false,"id":46553},{"navn":"Askim Aktiv Lån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Askim Aktiv Lån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Askim Sparebank er en selvstendig lokal sparebank. 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Rentesats fastsettes i forhold til den sikkerhet som tilbys. Låntakers betalingsevne forutsettes dokumentert.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"produktpakke":{"navn":"Askim Aktiv","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakke_arsgebyr":"720","href":"bank/produktpakke/590","student":false,"spesielle_betingelser":"Askim Aktiv er et fordelsprogram for deg som er en aktiv bruker av banken. ASKIM AKTIV gir deg følgende fordeler: • Mulighet for lavere rente på boliglån. • Fast kontaktperson i banken, hvis ønskelig • Ingen årsgebyr på VISA-kort tilknyttet kontoen. Ingen gebyr ved bruk av kort, hverken ved varekjøp eller uttak i minibank *) (*) VISA-varekjøp i Norge og utlandet, samt bruk av utenlandske minibanker medfører ordinære gebyr.) • Gratis bruk av Nettbank, Telebank, Avtalegiro og e-Faktura. • Ingen gebyr ved veksling av reisevaluta hos oss. • 1 spareavtale i Terra aksjefond uten tegningsprovisjon VISA el. MasterCard kredittkort med bla. Reise- og avbestillingsforsikring, inntil kr 50 000,- i kredittgrense og inntil 45 dagers betalingsutsettelse. Pris for Askim Aktiv er kr 60,- per måned. Kredittkortet har ikke års- etablerings- eller fakturagebyr. Bruk av kortet ved varekjøp er gratis, uttak i minibank medfører gebyr. Du kan sjekke din egen kredittkortkonto via Nettbanken. Du kan få samme kode på Kredittkortet som på ditt vanlige VISA kort. Kredittkortet leveres av Terra Kort. Vi gjør oppmerksom på at søknaden om Askim Aktiv blir kredittvurdert.","pensjonist":false,"min_alder":"26","maks_alder":"100","produktpakke_navn":"Askim Aktiv","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":590},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakkeHref":"bank/produktpakke/590","href":"bank/boliglan/46559","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"26","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Askim Aktiv","maks_alder":"100","publiserFra":"01.09.2012","published":true,"modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","oppfolging":false,"id":46559},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Flexilånet gir deg økonomisk frihet til å finansiere det du ønsker deg. Den kreditten du innvilges har du tilgjengelig for dine egne valg og ønsker. Det kan for eksempel være bilkjøp, båt, oppussing, møbler, reise osv. Det er et fleksibelt alternativ til vanlig boliglån. • Pengene er tilgjengelige når du trenger dem. • Du bestemmer hvor mye du vil trekke av kreditten. Det er ikke nødvendig å kontakte banken når du skal finansiere noe nytt så lenge du holder deg innenfor kredittgrensen. • Det påløper kun renter av det til enhver tid opptrukne beløp. Renter og avdrag bestemmer du selv når du vil betale, så lenge kredittrammen ikke overskrides. Du kan få lån dersom du kan tilby pantsikkerhet innenfor 60 % av forsvarlig verdi på din bolig. Som et eksempel kan vi tenke oss at du har en forsvarlig boligverdi på kr 2 000 000,-. Du vil da kunne få en Flexilånsramme på inntil kr 1 200 000,-. Dersom ditt eksisterende boliglån utgjør kr 900 000,-, vil du kunne disponere differensen på kr 300 000,-. Lånerammen kan du disponere fritt gjennom NettBanken. Rammebeløpet knyttes opp mot en konto. Via kontoen kan du overføre penger eller betale regninger direkte. Rentesats fastsettes i forhold til den sikkerhet som tilbys. Låntakers betalingsevne forutsettes dokumentert.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"produktpakke":{"navn":"Askim Aktiv","leverandor":{"bb_epost":"post@askimsparebank.no","href":"leverandor/bank/270","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 143","bb_adresse2":"","bb_postnr":"1801","bb_poststed":"Askim","bb_telefon":"69816200","bb_telefaks":"69884030","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Askim Sparebank er en selvstendig lokal sparebank. Vi legger stor vekt på å opprettholde vår selvstendighet, tilknytning til\r\n               lokalsamfunnet, rask saksbehandling og god personlig service. I tillegg til hovedkontor i Askim, har banken avdelingskontor\r\n               i Ski og Skiptvet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.askimsparebank.no","navn":"Askim Sparebank","visningsnavn":"Askim Sparebank","orgnr":"937885199","modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","tilbyrSph":false,"oppfolging":false,"id":270},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakke_arsgebyr":"720","href":"bank/produktpakke/590","student":false,"spesielle_betingelser":"Askim Aktiv er et fordelsprogram for deg som er en aktiv bruker av banken. ASKIM AKTIV gir deg følgende fordeler: • Mulighet for lavere rente på boliglån. • Fast kontaktperson i banken, hvis ønskelig • Ingen årsgebyr på VISA-kort tilknyttet kontoen. Ingen gebyr ved bruk av kort, hverken ved varekjøp eller uttak i minibank *) (*) VISA-varekjøp i Norge og utlandet, samt bruk av utenlandske minibanker medfører ordinære gebyr.) • Gratis bruk av Nettbank, Telebank, Avtalegiro og e-Faktura. • Ingen gebyr ved veksling av reisevaluta hos oss. • 1 spareavtale i Terra aksjefond uten tegningsprovisjon VISA el. MasterCard kredittkort med bla. Reise- og avbestillingsforsikring, inntil kr 50 000,- i kredittgrense og inntil 45 dagers betalingsutsettelse. Pris for Askim Aktiv er kr 60,- per måned. Kredittkortet har ikke års- etablerings- eller fakturagebyr. Bruk av kortet ved varekjøp er gratis, uttak i minibank medfører gebyr. Du kan sjekke din egen kredittkortkonto via Nettbanken. Du kan få samme kode på Kredittkortet som på ditt vanlige VISA kort. Kredittkortet leveres av Terra Kort. Vi gjør oppmerksom på at søknaden om Askim Aktiv blir kredittvurdert.","pensjonist":false,"min_alder":"26","maks_alder":"100","produktpakke_navn":"Askim Aktiv","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":590},"leverandorVisningsnavn":"Askim Sparebank","leverandorUrl":"http://www.askimsparebank.no","leverandorNavn":"Askim Sparebank","leverandorHref":"leverandor/bank/270","produktpakkeHref":"bank/produktpakke/590","href":"bank/boliglan/46557","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Askim Aktiv","maks_alder":"100","publiserFra":"01.09.2012","published":true,"modified":"18.09.2012","modifier":"lillian.larsen@askimsparebank.no","oppfolging":false,"id":46557},{"navn":"Seniorlånet LittExtra","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"50","trapp_type":"hele","produktnavn":"Seniorlånet LittExtra","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Tilbys personer over 60 år.  Rentene tillegges lånet og du nedbetaler ikke på lånet. Videre tilbys du livsvarig rett til å bo i egen bolig. Seniorlånet LittExtra gir deg mulighet til å frigjøre penger du har spart i egen bolig. Som mange andre over 60 år sitter du kanskje på en stor boligformue, etter i en årrekke å ha spart gjennom å betale ned på boliglånet. Samtidig går du av med pensjon og får mindre penger å rutte med i hverdagen. Med seniorlånet LittExtra frigjør du en del av det du har spart i boligen. Dette kan du få utbetalt som et større beløp, som en årlig sum eller som en kombinasjon av disse. Det gir deg økonomisk handlefrihet til f.eks. å reise eller til å gi bort forskudd på arv. Du betaler ingen renter eller avdrag så lenge du bor i boligen: Lånet skal ikke tilbakebetales før du selger boligen (og dermed frigjør dens verdi), eller før du har gått bort. LittExtra gir med andre ord ekstra penger, men ingen ekstra utgifter. I tillegg til etablerings- og depotgebyr må du betale offentlig tinglysningsgebyr for pantedokument i fast eiendom kr 1060,- eller borettslag kr 430,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"25","nominell_rente_1_a":"5,35","leverandor":{"bb_epost":"post@bien.no","href":"leverandor/bank/424","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 6790","bb_adresse2":"St. Olavs plass","bb_postnr":"0130","bb_poststed":"Oslo","bb_telefon":"02436","bb_telefaks":"22208833","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bien.no/Sider/forside.aspx","navn":"Bien Sparebank AS","visningsnavn":"Bien Sparebank AS","orgnr":"991853995","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":424},"produktpakke":{"navn":"Honnør","leverandor":{"bb_epost":"post@bien.no","href":"leverandor/bank/424","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 6790","bb_adresse2":"St. Olavs plass","bb_postnr":"0130","bb_poststed":"Oslo","bb_telefon":"02436","bb_telefaks":"22208833","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bien.no/Sider/forside.aspx","navn":"Bien Sparebank AS","visningsnavn":"Bien Sparebank AS","orgnr":"991853995","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":424},"leverandorVisningsnavn":"Bien Sparebank AS","leverandorUrl":"http://www.bien.no/Sider/forside.aspx","leverandorNavn":"Bien Sparebank AS","leverandorHref":"leverandor/bank/424","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1244","student":false,"spesielle_betingelser":"Som pensjonist får du ekstra gode betingelser hos oss. Idet du fyller 67 år kvalifiserer du til å bli BienHonnør kunde. Det gir deg en del fordeler utover ordinære betingelser; Gratis bruk av kort ved varekjøp i Norge, Gratis nettbank/telebank/SMS-bank/mobilbank, Gratis kontantuttak i butikk og minibank i Norge Tilbud om person- og skadeforsikring, Gratis opprettelse av VPS-konto.","pensjonist":true,"min_alder":"60","maks_alder":"100","produktpakke_navn":"Honnør","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.01.2008","published":true,"modified":"06.02.2013","modifier":"brigitte","oppfolging":false,"id":1244},"leverandorVisningsnavn":"Bien Sparebank AS","leverandorUrl":"http://www.bien.no/Sider/forside.aspx","leverandorNavn":"Bien Sparebank AS","leverandorHref":"leverandor/bank/424","produktpakkeHref":"bank/produktpakke/1244","href":"bank/boliglan/46729","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"60","produktpakkePubliserFra":"10.01.2008","produktpakkeNavn":"Honnør","maks_alder":"95","publiserFra":"10.10.2011","published":true,"modified":"27.02.2013","modifier":"brigitte","oppfolging":false,"id":46729},{"navn":"Flexilån innanfor 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån innanfor 70 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"60","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"60","min_belop_c":"2 000 000","termingebyr_1_c":"60","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,40","nominell_rente_1_c":"3,95","leverandor":{"bb_epost":"sparebanken@sparebanken.no","href":"leverandor/bank/374","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sparebanken.no","bytt_bank_url":"http://www.sparebanken.no","bb_adresse1":"Postboks 55","bb_adresse2":"Gymnasvegen 2","bb_postnr":"6101","bb_poststed":"Volda","bb_telefon":"70070000","bb_telefaks":"70070001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Alle kontor har minibankar tilgjengeleg 24 timar i døgnet og i tillegg har kontora i Volda, Ørsta, Herøy og Ulsteinvik automatområde der kundar kan gjere det meste innanfor betalingsformidling heile døgnet. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sparebanken.no","url":"http://www.sparebanken.no","navn":"SpareBank 1 Søre Sunnmøre","visningsnavn":"SpareBank 1 Søre Sunnmøre","orgnr":"937899785","modified":"21.01.2013","modifier":"robert.bratteberg@sparebanken.no","tilbyrSph":false,"oppfolging":false,"id":374},"leverandorVisningsnavn":"SpareBank 1 Søre Sunnmøre","leverandorUrl":"http://www.sparebanken.no","leverandorNavn":"SpareBank 1 Søre Sunnmøre","leverandorHref":"leverandor/bank/374","produktpakkeHref":"","href":"bank/boliglan/48743","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"14.03.2013","published":true,"modified":"14.03.2013","modifier":"robert.bratteberg@sparebanken.no","oppfolging":false,"id":48743},{"navn":"Boliglån 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån 60%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Som helkunde kan du få vår beste rente på boliglån når du: \r\n- Bruker oss aktivt som hovedbank med lønnskonto, nettbank og kort \r\n- Har en fast spareavtale i banken med minimum kr 500 per måned eller har et gjennomsnittlig oppspart beløp på minst kr 20.000","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,15","nominell_rente_1_c":"3,90","leverandor":{"bb_epost":"js@js.no","href":"leverandor/bank/330","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","bytt_bank_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","bb_adresse1":"Postboks 235","bb_adresse2":"Sentrum","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"81559115","bb_telefaks":"24102701","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","marked_generell":"Landsdekkende","marked_generell_info":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","url":"https://www.jbf.no/","navn":"Jernbanepersonalets Sparebank","visningsnavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","orgnr":"982719445","modified":"14.11.2012","modifier":"ingrid.bronken.hauge@js.no","tilbyrSph":false,"oppfolging":false,"id":330},"leverandorVisningsnavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","leverandorUrl":"https://www.jbf.no/","leverandorNavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","leverandorHref":"leverandor/bank/330","produktpakkeHref":"","href":"bank/boliglan/120009","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"22.03.2013","modifier":"ingrid.bronken.hauge@js.no","oppfolging":false,"id":120009},{"navn":"Boliglån for unge","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån for unge","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Som helkunde kan du få vår beste rente på boliglån når du: \r\n- Bruker oss aktivt som hovedbank med lønnskonto, nettbank og kort \r\n- Har en fast spareavtale i banken med minimum kr 500 per måned eller har et gjennomsnittlig oppspart beløp på minst kr 20.000","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"js@js.no","href":"leverandor/bank/330","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","bytt_bank_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","bb_adresse1":"Postboks 235","bb_adresse2":"Sentrum","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"81559115","bb_telefaks":"24102701","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","marked_generell":"Landsdekkende","marked_generell_info":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","url":"https://www.jbf.no/","navn":"Jernbanepersonalets Sparebank","visningsnavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","orgnr":"982719445","modified":"14.11.2012","modifier":"ingrid.bronken.hauge@js.no","tilbyrSph":false,"oppfolging":false,"id":330},"leverandorVisningsnavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","leverandorUrl":"https://www.jbf.no/","leverandorNavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","leverandorHref":"leverandor/bank/330","produktpakkeHref":"","href":"bank/boliglan/120012","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"34","publiserFra":"25.03.2013","published":true,"modified":"22.03.2013","modifier":"ingrid.bronken.hauge@js.no","oppfolging":false,"id":120012},{"navn":"Boliglån - 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån - 60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Renten gjelder lån i Terra Boligkreditt. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,55","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"epost@andebu-sparebank.no","href":"leverandor/bank/268","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"3162","bb_poststed":"Andebu","bb_telefon":"33438300","bb_telefaks":"33438301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.andebu-sparebank.no","navn":"Andebu Sparebank","visningsnavn":"Andebu Sparebank","orgnr":"937890540","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":268},"produktpakke":{"navn":"Hovedbank","leverandor":{"bb_epost":"epost@andebu-sparebank.no","href":"leverandor/bank/268","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"3162","bb_poststed":"Andebu","bb_telefon":"33438300","bb_telefaks":"33438301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.andebu-sparebank.no","navn":"Andebu Sparebank","visningsnavn":"Andebu Sparebank","orgnr":"937890540","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":268},"leverandorVisningsnavn":"Andebu Sparebank","leverandorUrl":"http://www.andebu-sparebank.no","leverandorNavn":"Andebu Sparebank","leverandorHref":"leverandor/bank/268","produktpakke_arsgebyr":"250","href":"bank/produktpakke/208735","student":false,"spesielle_betingelser":"Betinger at du bruker oss som hovedbank med nettbank og kort. Årsbebyret (kortgebyret) er lavere for ungdom og pensjonister.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Hovedbank","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.11.2012","published":true,"modified":"13.11.2012","modifier":"oyvin.hansen@andebu-sparebank.no","oppfolging":false,"id":208735},"leverandorVisningsnavn":"Andebu Sparebank","leverandorUrl":"http://www.andebu-sparebank.no","leverandorNavn":"Andebu Sparebank","leverandorHref":"leverandor/bank/268","produktpakkeHref":"bank/produktpakke/208735","href":"bank/boliglan/116758","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.11.2012","produktpakkeNavn":"Hovedbank","maks_alder":"100","publiserFra":"13.03.2013","published":true,"modified":"25.03.2013","modifier":"oyvin.hansen@andebu-sparebank.no","oppfolging":false,"id":116758},{"navn":"Boliglån 75 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"15","rentebinding_ar":"0","forbehold":"Lån med delfinansiering i Terra Boligkreditt. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"65","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"65","min_belop_c":"2 000 000","termingebyr_1_c":"65","nominell_rente_1_a":"4,55","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"epost@andebu-sparebank.no","href":"leverandor/bank/268","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"3162","bb_poststed":"Andebu","bb_telefon":"33438300","bb_telefaks":"33438301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.andebu-sparebank.no","navn":"Andebu Sparebank","visningsnavn":"Andebu Sparebank","orgnr":"937890540","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":268},"produktpakke":{"navn":"Hovedbank","leverandor":{"bb_epost":"epost@andebu-sparebank.no","href":"leverandor/bank/268","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"3162","bb_poststed":"Andebu","bb_telefon":"33438300","bb_telefaks":"33438301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold. Vi vurderer også søknader om boliglån i andre deler av landet, dersom kunden\n               har tilknytning til vårt primærområde.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Andebu Sparebank er en frittstående og selvstendig sparebank etablert i 1863. Bankens hovedkontor ligger i Andebu sentrum.\n               I tillegg er det en filial på Sagmyra i Kodal og et rådgivningskontor i Sandefjord. Bankens primærområde er Andebu Kommune\n               med tilstøtende nærområder innenfor Vestfold.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.andebu-sparebank.no","navn":"Andebu Sparebank","visningsnavn":"Andebu Sparebank","orgnr":"937890540","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":268},"leverandorVisningsnavn":"Andebu Sparebank","leverandorUrl":"http://www.andebu-sparebank.no","leverandorNavn":"Andebu Sparebank","leverandorHref":"leverandor/bank/268","produktpakke_arsgebyr":"250","href":"bank/produktpakke/208735","student":false,"spesielle_betingelser":"Betinger at du bruker oss som hovedbank med nettbank og kort. Årsbebyret (kortgebyret) er lavere for ungdom og pensjonister.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Hovedbank","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.11.2012","published":true,"modified":"13.11.2012","modifier":"oyvin.hansen@andebu-sparebank.no","oppfolging":false,"id":208735},"leverandorVisningsnavn":"Andebu Sparebank","leverandorUrl":"http://www.andebu-sparebank.no","leverandorNavn":"Andebu Sparebank","leverandorHref":"leverandor/bank/268","produktpakkeHref":"bank/produktpakke/208735","href":"bank/boliglan/149788","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.11.2012","produktpakkeNavn":"Hovedbank","maks_alder":"100","publiserFra":"13.03.2013","published":true,"modified":"25.03.2013","modifier":"oyvin.hansen@andebu-sparebank.no","oppfolging":false,"id":149788},{"navn":"75 % Boliglån fast rente 3 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75 % Boliglån fast rente 3 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Storebrand Bank har hele landet som markedsområde for boliglån.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"3","forbehold":"Gjelder for helkunder. Er du ikke helkunde, gjelder egne renter. For å være Helkunde må du ha; Brukskonto i Storebrand Bank med lønnsinngang, nettbank, VISA-kort og kredittkort, samt direkte trekk for nedbetaling av lånet. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"10 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"4,40","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"produktpakke":{"navn":"Helkunde","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129553","student":false,"spesielle_betingelser":"Du blir helkunde dersom du bruker oss aktivt som hovedbank.Innebærer at        du har brukskonto med lønnsinngang,nettbank, VISA-kort og kredittkort.  Lånerenten for helkunde forutsetter at både låntaker og eventuell medlåntaker er helkunder.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.02.2011","published":true,"modified":"26.07.2012","modifier":"Kari.Birkeland@storebrand.no","oppfolging":false,"id":129553},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakkeHref":"bank/produktpakke/129553","href":"bank/boliglan/159847","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.02.2011","produktpakkeNavn":"Helkunde","maks_alder":"100","publiserFra":"24.04.2013","published":true,"modified":"24.04.2013","modifier":"kari.birkeland@storebrand.no","oppfolging":false,"id":159847},{"navn":"Boliglån i TBK 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån i TBK 60%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Gjennom Terra Boligkreditt. Forutsetter lønnskonto med lønnsinngang og  dagligbanktjenester i  Rindal Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,50","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178419","student":false,"spesielle_betingelser":"Ved innvilgelse av boliglån forutsettes det at kundeforhold etableres med bruks-/lønnnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":178419},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakkeHref":"bank/produktpakke/178419","href":"bank/boliglan/142829","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"01.04.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":142829},{"navn":"Bustadlån 60% Flytande rente","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Bustadlån 60% Flytande rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Voss og omkringliggjande kommunar","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@vossabanken.no","href":"leverandor/bank/297","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.voss-sparebank.no/","bytt_bank_url":"http://www.voss-sparebank.no/","bb_adresse1":"Postboks 50","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56520300","bb_telefaks":"56520310","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Voss og omkringliggjande kommunar","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Voss og omkringliggjande kommunar","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.voss-sparebank.no/","url":"http://www.voss-sparebank.no/","navn":"Voss Sparebank","visningsnavn":"Voss Sparebank","orgnr":"937897286","modified":"23.12.2011","modifier":"sol@vossabanken.no","tilbyrSph":false,"oppfolging":false,"id":297},"leverandorVisningsnavn":"Voss Sparebank","leverandorUrl":"http://www.voss-sparebank.no/","leverandorNavn":"Voss Sparebank","leverandorHref":"leverandor/bank/297","produktpakkeHref":"","href":"bank/boliglan/46689","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"01.07.2012","published":true,"modified":"15.06.2012","modifier":"sol@vossabanken.no","oppfolging":false,"id":46689},{"navn":"Fleksilån ","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fleksilån ","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Fleksilån, innenfor 60% av godkjent takst/omsetningsverdi fra 3,45%. Fleksilån passer for alle som har god økonomi, og som ønsker større økonomisk handlingsrom i hverdagen.  Alle som har lån innenfor 60 % av boligens verdi kan søke. Et meget fleksibelt lån med pant i bolig til gunstige vilkår! Fleksilån fungerer som en kreditt på egen konto, og du bestemmer selv når og hvor mye du ønsker å innbetale på lånet så lenge du er innenfor den avtalte kredittrammen. Kredittrammen er tilgjengelig via nettbank, mobilbank og sms-tjeneste slik at du har full kontroll. Du betaler bare renter for det du bruker av lånet. Etableringsgebyr avhenger av lånebeløp. Etableringsgebyr for lån under kr 10.000,- 500,- er kr 500,-. For lån fra kr 10.000,- til kr 50.000,- er etableringsgebyret kr 1.500,-. For lån fra kr 50.000,- til kr 2.000.000,- er etableringsgebyret kr 2.000,-. For lån fra kr 2.000.000,- til 5.000.000,- er etableringsgebyret kr 4.000,- og for lån over kr 5.000.000,- og oppover er etableringsgebyret 0,1% av lånebeløp.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"50 000","max_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"produktpakke":{"navn":"Konto med lønnsinngang","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakke_arsgebyr":"0","href":"bank/produktpakke/200972","student":false,"spesielle_betingelser":"Ved låneopptak forutsetter termingebyr belastning av terminbeløp (renter, avdrag og termingebyr) på konto.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"12.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":200972},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakkeHref":"bank/produktpakke/200972","href":"bank/boliglan/49617","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.09.2012","produktpakkeNavn":"Konto med lønnsinngang","maks_alder":"100","publiserFra":"02.11.2012","published":true,"modified":"02.11.2012","modifier":"gm@aurskog-sparebank.no","oppfolging":false,"id":49617},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Buskerud Vestfold er i dag fylkets største bank med hovedkontor i Vestfold. 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SpareBank 1 Boligkreditt AS yter boliglån til privatkunder innenfor 75 % av boligens verdi.\r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1","max_belop_a":"999 999","termingebyr_1_a":"30","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"30","min_belop_c":"2 000 000","termingebyr_1_c":"30","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,20","nominell_rente_1_c":"3,90","leverandor":{"bb_epost":"post@sb1v.no","href":"leverandor/bank/426","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/2489SBV/3_privat","bytt_bank_url":"https://www2.sparebank1.no/portal/2489SBV/3_privat","bb_adresse1":"Jernbaneallèen 23/25","bb_adresse2":"Postboks 216","bb_postnr":"3201","bb_poststed":"Sandefjord","bb_telefon":"02480","bb_telefaks":"33462250","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Buskerud Vestfold er i dag fylkets største bank med hovedkontor i Vestfold. 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Vi har et bredt spekter av konkurransedyktige\r\n               produkter.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2489SBV/3_privat","url":"https://www2.sparebank1.no/portal/2489SBV/3_privat","navn":"SpareBank 1 Buskerud Vestfold","visningsnavn":"SpareBank 1 Buskerud-Vestfold","orgnr":"944521836","modified":"20.07.2012","modifier":"knutare@broadpark.no","tilbyrSph":false,"oppfolging":false,"id":426},"leverandorVisningsnavn":"SpareBank 1 Buskerud-Vestfold","leverandorUrl":"https://www2.sparebank1.no/portal/2489SBV/3_privat","leverandorNavn":"SpareBank 1 Buskerud-Vestfold","leverandorHref":"leverandor/bank/426","produktpakkeHref":"","href":"bank/boliglan/126924","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"15.03.2013","published":true,"modified":"13.03.2013","modifier":"oyvind.kjos@s1bv.no","oppfolging":false,"id":126924},{"navn":"70 % - Rammelån (flexilån) - fordel","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"70 % - Rammelån (flexilån) - fordel","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Lånet innvilges for en periode på 5 år med anledning til fornyelse. Medlemskap i fordels-programmet Vestavinn. Nye kunder må være bosatt i bankens markedsområde.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"60","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"60","min_belop_c":"1 000 000","termingebyr_1_c":"60","nominell_rente_1_a":"5,20","nominell_rente_1_b":"4,60","nominell_rente_1_c":"4,00","leverandor":{"bb_epost":"front.skjema@spv.no","href":"leverandor/bank/245","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb. 79999","bb_adresse2":"-","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"(+47 915) 05555","bb_telefaks":"(+47) 55 21 73 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.spv.no","navn":"Sparebanken Vest","visningsnavn":"Sparebanken Vest","orgnr":"832554332","modified":"19.07.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":245},"produktpakke":{"navn":"Vestavinn","leverandor":{"bb_epost":"front.skjema@spv.no","href":"leverandor/bank/245","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb. 79999","bb_adresse2":"-","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"(+47 915) 05555","bb_telefaks":"(+47) 55 21 73 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.spv.no","navn":"Sparebanken Vest","visningsnavn":"Sparebanken Vest","orgnr":"832554332","modified":"19.07.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":245},"leverandorVisningsnavn":"Sparebanken Vest","leverandorUrl":"http://www.spv.no","leverandorNavn":"Sparebanken Vest","leverandorHref":"leverandor/bank/245","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1138","student":false,"spesielle_betingelser":"For ytterligere informasjon, vennligst se våre nettsider på https://www.spv.no/privat/kundeprogrammer/ ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Vestavinn","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"250 000","min_sparing":"100 000","publiserFra":"05.12.2007","published":true,"modified":"04.12.2012","modifier":"Lars.Breivik@spv.no","oppfolging":false,"id":1138},"leverandorVisningsnavn":"Sparebanken Vest","leverandorUrl":"http://www.spv.no","leverandorNavn":"Sparebanken Vest","leverandorHref":"leverandor/bank/245","produktpakkeHref":"bank/produktpakke/1138","href":"bank/boliglan/49533","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.12.2007","produktpakkeNavn":"Vestavinn","maks_alder":"100","publiserFra":"13.03.2013","published":true,"modified":"15.03.2013","modifier":"Lars.Breivik@spv.no","oppfolging":false,"id":49533},{"navn":"Fastrentelån 3 års binding","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Fastrentelån 3 års binding","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"3","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"50","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"50","min_belop_c":"1 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,40","nominell_rente_1_b":"4,20","nominell_rente_1_c":"4,10","leverandor":{"bb_epost":"sparebanken@sparebanken.no","href":"leverandor/bank/374","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sparebanken.no","bytt_bank_url":"http://www.sparebanken.no","bb_adresse1":"Postboks 55","bb_adresse2":"Gymnasvegen 2","bb_postnr":"6101","bb_poststed":"Volda","bb_telefon":"70070000","bb_telefaks":"70070001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Alle kontor har minibankar tilgjengeleg 24 timar i døgnet og i tillegg har kontora i Volda, Ørsta, Herøy og Ulsteinvik automatområde der kundar kan gjere det meste innanfor betalingsformidling heile døgnet. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sparebanken.no","url":"http://www.sparebanken.no","navn":"SpareBank 1 Søre Sunnmøre","visningsnavn":"SpareBank 1 Søre Sunnmøre","orgnr":"937899785","modified":"21.01.2013","modifier":"robert.bratteberg@sparebanken.no","tilbyrSph":false,"oppfolging":false,"id":374},"leverandorVisningsnavn":"SpareBank 1 Søre Sunnmøre","leverandorUrl":"http://www.sparebanken.no","leverandorNavn":"SpareBank 1 Søre Sunnmøre","leverandorHref":"leverandor/bank/374","produktpakkeHref":"","href":"bank/boliglan/156358","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"robert.bratteberg@sparebanken.no","oppfolging":false,"id":156358},{"navn":"BLU boliglån for ungdom","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"BLU boliglån for ungdom","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Selbu Sparebank tilbyr boliglån til kunder bosatt innen bankens geografiske virkeområde, som er kommunene; Selbu, Tydal, Stjørdal,\r\n               Malvik og Trondheim. Dette kan avvikes for personer som bor i andre eksterne områder, og hvor vi har en etablert relasjon.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"selbu@selbusparebank.no","href":"leverandor/bank/294","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Gjelbakken 3","bb_adresse2":"","bb_postnr":"7580","bb_poststed":"Selbu","bb_telefon":"04285","bb_telefaks":"73810050","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Selbu Sparebank tilbyr boliglån til kunder bosatt innen bankens geografiske virkeområde, som er kommunene; Selbu, Tydal, Stjørdal,\r\n               Malvik og Trondheim. Dette kan avvikes for personer som bor i andre eksterne områder, og hvor vi har en etablert relasjon.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Selbu Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til kunder bosatt innen bankens geografiske virkeområde,\r\n               som er kommunene; Selbu, Tydal, Stjørdal, Malvik og Trondheim. Dette kan avvikes for personer som bor i andre eksterne områder,\r\n               og hvor vi har en etablert relasjon.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.selbusparebank.no","navn":"Selbu Sparebank","visningsnavn":"Selbu Sparebank","orgnr":"937901836","modified":"28.03.2012","modifier":"agg@selbusparebank.no","tilbyrSph":false,"oppfolging":false,"id":294},"leverandorVisningsnavn":"Selbu Sparebank","leverandorUrl":"http://www.selbusparebank.no","leverandorNavn":"Selbu Sparebank","leverandorHref":"leverandor/bank/294","produktpakkeHref":"","href":"bank/boliglan/50601","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"34","publiserFra":"20.03.2013","published":true,"modified":"22.03.2013","modifier":"agg@selbusparebank.no","oppfolging":false,"id":50601},{"navn":"Flexilån 70% ISSB Total","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån 70% ISSB Total","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"I tillegg til tilfredsstillende sikkerhet forutsetter opplyst utlånsrente at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank. For mer informasjon om Flexilån kontakt Indre Sogn Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Total","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129863","student":false,"spesielle_betingelser":"ISSB Total føresetter at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i Indre\r\nSogn Sparebank. Dersom du har lån med pant i fast eigedom så må dette finansierast i banken. Vi\r\ntilbyr og telebank/SMS-bank.\r\n\r\nDet skal til ei kvar tid være inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, eller verdipapirkonto).","pensjonist":false,"min_alder":"30","maks_alder":"150","produktpakke_navn":"ISSB Total","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129863},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129863","href":"bank/boliglan/129885","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"30","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Total","maks_alder":"150","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129885},{"navn":"60%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Blaker Sparebank skal være en god bank for kundene. En lønnsom lokalbank er god butikk for nærmiljøet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"30","min_belop_b":"2 000 000","termingebyr_1_b":"30","nominell_rente_1_a":"4,00","nominell_rente_1_b":"3,70","leverandor":{"bb_epost":"post@blakersparebank.no","href":"leverandor/bank/261","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 163","bb_adresse2":"","bb_postnr":"1921","bb_poststed":"Sørumsand","bb_telefon":"63 86 69 30","bb_telefaks":"63 86 69 31","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Blaker Sparebank skal være en god bank for kundene. 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En lønnsom lokalbank er god butikk for nærmiljøet.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Blaker Sparebank skal være en god bank for kundene. En lønnsom lokalbank er god butikk for nærmiljøet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blakersparebank.no","navn":"Blaker Sparebank","visningsnavn":"Blaker Sparebank","orgnr":"837886252","modified":"20.10.2011","modifier":"Jan.Knutsen@blakersparebank.no","tilbyrSph":false,"oppfolging":false,"id":261},"leverandorVisningsnavn":"Blaker Sparebank","leverandorUrl":"http://www.blakersparebank.no","leverandorNavn":"Blaker Sparebank","leverandorHref":"leverandor/bank/261","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178211","student":false,"spesielle_betingelser":"Ved innvilgelse av boliglån forutsettes det at kundeforhold etableres med bruks-/lønnskonto, lønnsinngang og betalingstjenester. Kunde i Blaker Sparebank defineres i denne sammenheng slik: Kunde som enten har en aktiv brukskonto eller min. kr 30.000,- innestående på sparekonto.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.02.2012","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":178211},"leverandorVisningsnavn":"Blaker Sparebank","leverandorUrl":"http://www.blakersparebank.no","leverandorNavn":"Blaker Sparebank","leverandorHref":"leverandor/bank/261","produktpakkeHref":"bank/produktpakke/178211","href":"bank/boliglan/50363","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"02.04.2012","published":true,"modified":"29.03.2012","modifier":"Jan.Knutsen@blakersparebank.no","oppfolging":false,"id":50363},{"navn":"Fleksilån","max_lopetid":"99","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fleksilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Voss og omkringliggjande kommunar","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"99","rentebinding_ar":"0","forbehold":"Fornying kvart 5.år","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","termingebyr_1_a":"60","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@vossabanken.no","href":"leverandor/bank/297","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.voss-sparebank.no/","bytt_bank_url":"http://www.voss-sparebank.no/","bb_adresse1":"Postboks 50","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56520300","bb_telefaks":"56520310","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Voss og omkringliggjande kommunar","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Voss og omkringliggjande kommunar","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.voss-sparebank.no/","url":"http://www.voss-sparebank.no/","navn":"Voss Sparebank","visningsnavn":"Voss Sparebank","orgnr":"937897286","modified":"23.12.2011","modifier":"sol@vossabanken.no","tilbyrSph":false,"oppfolging":false,"id":297},"leverandorVisningsnavn":"Voss Sparebank","leverandorUrl":"http://www.voss-sparebank.no/","leverandorNavn":"Voss Sparebank","leverandorHref":"leverandor/bank/297","produktpakkeHref":"","href":"bank/boliglan/46669","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"01.07.2012","published":true,"modified":"15.06.2012","modifier":"sol@vossabanken.no","oppfolging":false,"id":46669},{"navn":"Fyrsteheimslån m/BSU","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Fyrsteheimslån m/BSU","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Voss og omkringliggjande kommunar","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Inntil 85 % av marknadsverdi utan tilleggstrygd *, til beste utlånsrenta i banken. Lånekostnad, sjå bustadlån innanfor 60 %. Fyrsteheimslån føreset at kunden har hatt, eller etablerer fast sparing på BSU-konto. * Unnatak ved kjøp under takst. Terminkostnader - Automatisk trekk utan melding kr\r\n30,-\r\n               \r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@vossabanken.no","href":"leverandor/bank/297","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.voss-sparebank.no/","bytt_bank_url":"http://www.voss-sparebank.no/","bb_adresse1":"Postboks 50","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56520300","bb_telefaks":"56520310","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Voss og omkringliggjande kommunar","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Voss og omkringliggjande kommunar","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.voss-sparebank.no/","url":"http://www.voss-sparebank.no/","navn":"Voss Sparebank","visningsnavn":"Voss Sparebank","orgnr":"937897286","modified":"23.12.2011","modifier":"sol@vossabanken.no","tilbyrSph":false,"oppfolging":false,"id":297},"produktpakke":{"navn":"BSU","leverandor":{"bb_epost":"post@vossabanken.no","href":"leverandor/bank/297","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.voss-sparebank.no/","bytt_bank_url":"http://www.voss-sparebank.no/","bb_adresse1":"Postboks 50","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56520300","bb_telefaks":"56520310","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Voss og omkringliggjande kommunar","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Voss og omkringliggjande kommunar","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.voss-sparebank.no/","url":"http://www.voss-sparebank.no/","navn":"Voss Sparebank","visningsnavn":"Voss Sparebank","orgnr":"937897286","modified":"23.12.2011","modifier":"sol@vossabanken.no","tilbyrSph":false,"oppfolging":false,"id":297},"leverandorVisningsnavn":"Voss Sparebank","leverandorUrl":"http://www.voss-sparebank.no/","leverandorNavn":"Voss Sparebank","leverandorHref":"leverandor/bank/297","produktpakke_arsgebyr":"0","href":"bank/produktpakke/177718","student":false,"spesielle_betingelser":"Fyrsteheimslån føreset at kunden har hatt, eller etablerer fast sparing på BSU-konto.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"BSU","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"13.02.2012","published":true,"modified":"13.02.2012","modifier":"brigitte","oppfolging":false,"id":177718},"leverandorVisningsnavn":"Voss Sparebank","leverandorUrl":"http://www.voss-sparebank.no/","leverandorNavn":"Voss Sparebank","leverandorHref":"leverandor/bank/297","produktpakkeHref":"bank/produktpakke/177718","href":"bank/boliglan/46687","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.02.2012","produktpakkeNavn":"BSU","maks_alder":"34","publiserFra":"01.07.2012","published":true,"modified":"15.06.2012","modifier":"sol@vossabanken.no","oppfolging":false,"id":46687},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 900","depotgebyr":"900","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Vilkår bestemmes ut fra betalingsevne og sikkerhet. Kan avtales inntil 5 års avdragsfrihet i låneperioden.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,40","leverandor":{"bb_epost":"post@sunndal-sparebank.no","href":"leverandor/bank/277","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 14","bb_adresse2":"","bb_postnr":"6601","bb_poststed":"Sunndalsøra","bb_telefon":"71 68 91 00","bb_telefaks":"71 68 91 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sunndal-sparebank.no","navn":"Sunndal Sparebank","visningsnavn":"Sunndal Sparebank","orgnr":"937899963","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":277},"produktpakke":{"navn":"Helkundeforhold","leverandor":{"bb_epost":"post@sunndal-sparebank.no","href":"leverandor/bank/277","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 14","bb_adresse2":"","bb_postnr":"6601","bb_poststed":"Sunndalsøra","bb_telefon":"71 68 91 00","bb_telefaks":"71 68 91 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sunndal-sparebank.no","navn":"Sunndal Sparebank","visningsnavn":"Sunndal Sparebank","orgnr":"937899963","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":277},"leverandorVisningsnavn":"Sunndal Sparebank","leverandorUrl":"http://www.sunndal-sparebank.no","leverandorNavn":"Sunndal Sparebank","leverandorHref":"leverandor/bank/277","produktpakke_arsgebyr":"0","href":"bank/produktpakke/135379","student":false,"spesielle_betingelser":"Vilkårene forutsetter at kunde som et minimum har lønnskonto, kort og nettbank. I den grad det er aktuelt må kunden også etablere lån og forsikringer (skade- og livsforsikringer) hos oss.   ","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Helkundeforhold","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"11.04.2011","published":true,"modified":"11.04.2011","modifier":"jonny.engdahl@sunndal-sparebank.no","oppfolging":false,"id":135379},"leverandorVisningsnavn":"Sunndal Sparebank","leverandorUrl":"http://www.sunndal-sparebank.no","leverandorNavn":"Sunndal Sparebank","leverandorHref":"leverandor/bank/277","produktpakkeHref":"bank/produktpakke/135379","href":"bank/boliglan/47135","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.04.2011","produktpakkeNavn":"Helkundeforhold","maks_alder":"100","publiserFra":"05.12.2012","published":true,"modified":"05.12.2012","modifier":"jonny.engdahl@sunndal-sparebank.no","oppfolging":false,"id":47135},{"navn":"Boliglån for unge","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån for unge","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Er du under 34 år og medlem av fordelsprogrammet Vestavinn kan du få Boliglån for unge – et boliglån med bankens beste boliglånsrente. Dine fordeler: Et gunstig lån hvor du normalt kan låne inntil 85 % av kjøpesummen. Rask behandlingstid. Valgfri løpetid – inntil 30 år. Bankens beste boliglånsrente. Lånet gis mot pant i den boligen du bor fast i. Lånet kan refinansieres så lenge du er mellom 18 og 33 år. Forutsetter medlemskap i fordelsprogrammet Vestavinn. Lånet tilbys kunder < 34 år. Hvis det er 2 lånetakere avgjør alderen til den yngste. Nye kunder må være bosatt i bankens markedsområde.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1","termingebyr_1_a":"40","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"front.skjema@spv.no","href":"leverandor/bank/245","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb. 79999","bb_adresse2":"-","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"(+47 915) 05555","bb_telefaks":"(+47) 55 21 73 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.spv.no","navn":"Sparebanken Vest","visningsnavn":"Sparebanken Vest","orgnr":"832554332","modified":"19.07.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":245},"produktpakke":{"navn":"Vestavinn","leverandor":{"bb_epost":"front.skjema@spv.no","href":"leverandor/bank/245","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb. 79999","bb_adresse2":"-","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"(+47 915) 05555","bb_telefaks":"(+47) 55 21 73 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fylkene Møre og Romsdal, Sogn og Fjordane, Hordaland og Rogaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.spv.no","navn":"Sparebanken Vest","visningsnavn":"Sparebanken Vest","orgnr":"832554332","modified":"19.07.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":245},"leverandorVisningsnavn":"Sparebanken Vest","leverandorUrl":"http://www.spv.no","leverandorNavn":"Sparebanken Vest","leverandorHref":"leverandor/bank/245","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1138","student":false,"spesielle_betingelser":"For ytterligere informasjon, vennligst se våre nettsider på https://www.spv.no/privat/kundeprogrammer/ ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Vestavinn","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"250 000","min_sparing":"100 000","publiserFra":"05.12.2007","published":true,"modified":"04.12.2012","modifier":"Lars.Breivik@spv.no","oppfolging":false,"id":1138},"leverandorVisningsnavn":"Sparebanken Vest","leverandorUrl":"http://www.spv.no","leverandorNavn":"Sparebanken Vest","leverandorHref":"leverandor/bank/245","produktpakkeHref":"bank/produktpakke/1138","href":"bank/boliglan/49855","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.12.2007","produktpakkeNavn":"Vestavinn","maks_alder":"34","publiserFra":"13.03.2013","published":true,"modified":"13.03.2013","modifier":"Lars.Breivik@spv.no","oppfolging":false,"id":49855},{"navn":"Ungdomslån 85 % Ekstra","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"375","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Ungdomslån 85 % Ekstra","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Ungdomslån er et lån som tilbys kunder i alderen 18 – 33 år til meget gunstige betingelser. Krav til sikkerhet: Lånet skal ligge innenfor 85 % av verdigrunnlag. Du må være programkunde i SpareBank 1 Oslo Akershus for å få lånet å ha enten; Ung Student, Ekstra, Lofavør Ung eller eller Lofavør. Lån over 75 % deles i to og det påløper dobbelt terminbeløp. Ekstra-kunder har halvt etablerings- og depotgebyr ved lån/refinansiering.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"100","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"produktpakke":{"navn":"Ekstra","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakke_arsgebyr":"900","href":"bank/produktpakke/608","student":false,"spesielle_betingelser":"Med Ekstra i SpareBank 1 Oslo Akershus får du gode fordeler som gjør din bruk av banken rimeligere og mer praktisk. Kort og betaling - Kombinert VISA og Minibank/Betalingskort uten årsgebyr. Ingen gebyrer på uttak i SpareBank 1s minibanker. Ingen gebyrer på varekjøp i Norge og i utlandet. Gebyrfri betalingsformidling ved bruk av AvtaleGiro, Nettbank og Telefonbank. Gebyrfrie nødkontanter inntil kr 40.000,-. Kontokreditt uten provisjon og etablerings-kostnader inntil kr 150.000,- etter kreditt-vurdering. Kun belastning av renter ved bruk. Lån - 0,25 til 0,45 prosentpoeng lavere rente på lån med sikkerhet i bolig. Halvt etablerings- og depotgebyr ved lån/refinansiering. 0,5 % lavere rente på lån med sikkerhet i bil via vår samarbeidspartner SpareBank 1 Finans Østlandet. Sparing - 25 % rabatt på kjøpsgebyr ved kjøp av fond og/eller Unit Link og/eller Livrente for minst kr 50.000,-. Bolig - \r\nKr 1.750,- i rabatt hos EiendomsMegler 1 ved salg av eiendom. Forsikring - 5 % rabatt på skadeforsikring i SpareBank 1. Medlemskapet gir grunnlag for å søke om kredittkortene  MasterCard/Visa Gold.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ekstra","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"15.04.2008","published":true,"modified":"02.02.2012","modifier":"brigitte","oppfolging":false,"id":608},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/608","href":"bank/boliglan/46171","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.04.2008","produktpakkeNavn":"Ekstra","maks_alder":"33","publiserFra":"15.03.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":46171},{"navn":"Flexilån","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Selbu Sparebank tilbyr boliglån til kunder bosatt innen bankens geografiske virkeområde, som er kommunene; Selbu, Tydal, Stjørdal,\r\n               Malvik og Trondheim. Dette kan avvikes for personer som bor i andre eksterne områder, og hvor vi har en etablert relasjon.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Skal reforhandles etter 10 år.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,55","nominell_rente_1_b":"4,45","nominell_rente_1_c":"4,25","leverandor":{"bb_epost":"selbu@selbusparebank.no","href":"leverandor/bank/294","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Gjelbakken 3","bb_adresse2":"","bb_postnr":"7580","bb_poststed":"Selbu","bb_telefon":"04285","bb_telefaks":"73810050","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Selbu Sparebank tilbyr boliglån til kunder bosatt innen bankens geografiske virkeområde, som er kommunene; Selbu, Tydal, Stjørdal,\r\n               Malvik og Trondheim. Dette kan avvikes for personer som bor i andre eksterne områder, og hvor vi har en etablert relasjon.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Selbu Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til kunder bosatt innen bankens geografiske virkeområde,\r\n               som er kommunene; Selbu, Tydal, Stjørdal, Malvik og Trondheim. Dette kan avvikes for personer som bor i andre eksterne områder,\r\n               og hvor vi har en etablert relasjon.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.selbusparebank.no","navn":"Selbu Sparebank","visningsnavn":"Selbu Sparebank","orgnr":"937901836","modified":"28.03.2012","modifier":"agg@selbusparebank.no","tilbyrSph":false,"oppfolging":false,"id":294},"leverandorVisningsnavn":"Selbu Sparebank","leverandorUrl":"http://www.selbusparebank.no","leverandorNavn":"Selbu Sparebank","leverandorHref":"leverandor/bank/294","produktpakkeHref":"","href":"bank/boliglan/50609","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"22.03.2013","modifier":"agg@selbusparebank.no","oppfolging":false,"id":50609},{"navn":"Flexilån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"900","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. Våre lån gis kun med sikkerhet i\r\n               boliger i vårt virksomhetsområde, eller til eksisterende kunder som bosetter seg andre steder i landet og som fortsatt ønsker\r\n               å bruke oss som hovedbankforbindelse.            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Opp til 70% av verdi. 20 års avdragstid, etableringsgebyr er 0.1% av netto lånebeløp, minimum 1000,-, depotomkostninger 900,- og månedlig kontoholdsgebyr 50,-","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,20","nominell_rente_1_b":"4,00","nominell_rente_1_c":"3,75","leverandor":{"bb_epost":"post@sb1telemark.no","href":"leverandor/bank/417","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sb1telemark.no","bytt_bank_url":"http://www.sb1telemark.no","bb_adresse1":"Jernbanegata 15","bb_adresse2":"Postboks 188","bb_postnr":"3901","bb_poststed":"Porsgrunn","bb_telefon":"02610","bb_telefaks":"35569601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. Våre lån gis kun med sikkerhet i\r\n               boliger i vårt virksomhetsområde, eller til eksisterende kunder som bosetter seg andre steder i landet og som fortsatt ønsker\r\n               å bruke oss som hovedbankforbindelse.            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Som kunde hos oss får du gode og skreddersydde løsninger tilpasset din økonomiske situasjon. Kom innom et av våre kontorer,\r\n               så kan også du bli kunde allerede i dag.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sb1telemark.no","url":"http://www.sb1telemark.no","navn":"Sparebanken Telemark","visningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","orgnr":"937891334","modified":"03.11.2011","modifier":"jan.thomas.moen@sb1telemark.no","tilbyrSph":false,"oppfolging":false,"id":417},"produktpakke":{"navn":"Totalkunde/Hovedbankforbindelse","leverandor":{"bb_epost":"post@sb1telemark.no","href":"leverandor/bank/417","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sb1telemark.no","bytt_bank_url":"http://www.sb1telemark.no","bb_adresse1":"Jernbanegata 15","bb_adresse2":"Postboks 188","bb_postnr":"3901","bb_poststed":"Porsgrunn","bb_telefon":"02610","bb_telefaks":"35569601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. Våre lån gis kun med sikkerhet i\r\n               boliger i vårt virksomhetsområde, eller til eksisterende kunder som bosetter seg andre steder i landet og som fortsatt ønsker\r\n               å bruke oss som hovedbankforbindelse.            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Som kunde hos oss får du gode og skreddersydde løsninger tilpasset din økonomiske situasjon. Kom innom et av våre kontorer,\r\n               så kan også du bli kunde allerede i dag.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sb1telemark.no","url":"http://www.sb1telemark.no","navn":"Sparebanken Telemark","visningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","orgnr":"937891334","modified":"03.11.2011","modifier":"jan.thomas.moen@sb1telemark.no","tilbyrSph":false,"oppfolging":false,"id":417},"leverandorVisningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorUrl":"http://www.sb1telemark.no","leverandorNavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorHref":"leverandor/bank/417","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189821","student":false,"spesielle_betingelser":"Tilknytning til Telemark. Forutsetter totalkundeforhold/hovedbankforbindelse. Rentene fastsettes på bakgrunn av en helhetlig kredittvurdering. I denne vurderingen inngår det bl.a. følgende elementer: Inntektsnivå som sikrer betjeningsevnen. Økonomisk ryddighet for å unngå betalingsanmerkninger. Opplåningsgrad i forhold til boligverdi. Sparing for uforutsette hendelser og for å utjevne inntekstsvikt gis ordinære betingelser. Forsikring mot uforutsette ulykker/ livshendelser. Kundens øvrige låneforpliktelser.\r\n","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Totalkunde/Hovedbankforbindelse","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.05.2012","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":189821},"leverandorVisningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorUrl":"http://www.sb1telemark.no","leverandorNavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorHref":"leverandor/bank/417","produktpakkeHref":"bank/produktpakke/189821","href":"bank/boliglan/49893","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.05.2012","produktpakkeNavn":"Totalkunde/Hovedbankforbindelse","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"27.03.2013","modifier":"jan.thomas.moen@sb1Telemark.no","oppfolging":false,"id":49893},{"navn":"Flexilån 60% ISSB Total","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån 60% ISSB Total","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"I tillegg til tilfredsstillende sikkerhet forutsetter opplyst utlånsrente at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank. 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Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Total","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129863","student":false,"spesielle_betingelser":"ISSB Total føresetter at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i Indre\r\nSogn Sparebank. Dersom du har lån med pant i fast eigedom så må dette finansierast i banken. Vi\r\ntilbyr og telebank/SMS-bank.\r\n\r\nDet skal til ei kvar tid være inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, eller verdipapirkonto).","pensjonist":false,"min_alder":"30","maks_alder":"150","produktpakke_navn":"ISSB Total","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129863},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129863","href":"bank/boliglan/129883","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"30","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Total","maks_alder":"150","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129883},{"navn":"Flexilån 70% ISSB Ung","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån 70% ISSB Ung","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"I tillegg til tilfredsstillende sikkerhet forutsetter opplyst utlånsrente at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank. For mer informasjon om Flexilån kontakt Indre Sogn Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Ung 18 - 30","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129861","student":false,"spesielle_betingelser":"ISSB Ung 18 - 30 føreset at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i\r\nIndre Sogn Sparebank. Vil tilbyr og telebank/SMS-bank.\r\n•\r\nDet skal til ei kvar tid vere inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, BSU eller verdipapirkonto).","pensjonist":false,"min_alder":"18","maks_alder":"30","produktpakke_navn":"ISSB Ung 18 - 30","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129861},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129861","href":"bank/boliglan/129890","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Ung 18 - 30","maks_alder":"30","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129890},{"navn":"Ungdomslån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Ungdomslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Ungdomslån er bedre enn tradisjonelt førstehjemslån. Bankens beste rente. Lån inntil 85% av markedsverdien på boligen. Gratis etableringsgebyr hvis du har spart i BSU. Er du under 35 år kan Eidsberg Sparebank tilby et meget godt tilbud om boliglån, hvor du kan oppnå bankens beste rente. Du kan søke om å låne inntil 85% av boligens markedsverdi, og er dere to lånetakere, er det alderen til den yngste som teller.\r\nHar du spart i BSU er det gratis etableringsgebyr, og du beholder de gode vilkårene selv etter at du har fylt 35 år (inntil du endrer lånet). DETTE LEGGER VI VEKT PÅ: Tilbakebetalingsevnen; inntekt, totale lån. Egenkapital. Sparing, som f.eks BSU. Sikkerhet. Det teller også positivt om du tegner personforsikring. Ellers vanlige kredittvurderingsregler.         ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"300 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@esbank.no","href":"leverandor/bank/272","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgaten 2","bb_adresse2":"","bb_postnr":"1850","bb_poststed":"Mysen","bb_telefon":"69899100","bb_telefaks":"69892770","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.esbank.no","navn":"Eidsberg Sparebank","visningsnavn":"Eidsberg Sparebank","orgnr":"937884494","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":272},"produktpakke":{"navn":"Aktiv Ung Voksen","leverandor":{"bb_epost":"post@esbank.no","href":"leverandor/bank/272","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgaten 2","bb_adresse2":"","bb_postnr":"1850","bb_poststed":"Mysen","bb_telefon":"69899100","bb_telefaks":"69892770","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.esbank.no","navn":"Eidsberg Sparebank","visningsnavn":"Eidsberg Sparebank","orgnr":"937884494","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":272},"leverandorVisningsnavn":"Eidsberg Sparebank","leverandorUrl":"http://www.esbank.no","leverandorNavn":"Eidsberg Sparebank","leverandorHref":"leverandor/bank/272","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201375","student":false,"spesielle_betingelser":"Aktiv Ung Voksen gir deg: Gebyrfri regningsbetaling ved bruk av NettBank (ikkr til utlandet), MobilBank, TeleBank, AvtaleGiro og eFaktura. Gebyrfritt varekjøp i Norge (ikke VISA-transaksjoner). Gebyrfritt uttak i minibanker i Norge. Inntil 4% bransjebonus på Terra KredittKort. 10% samlerabatt i Terra Skade v/min. 3 dekninger. Tilbakebetaling av kr. 5.000,- ved skadefri kjøring i 5 år for ungdom. Fast kontaktperson om ønskelig. Mulighet for Startlån til etablering. Inntil 50.000,- uten sikkerhet til gunstige betingelser. For å oppnå de fordelene som Aktiv Ung Voksen gir, er det også noen forutsetninger som må være på plass. Disse innbefatter: Aktiv Ung Voksen-konto med lønnsinngang.  NettBank m/NettPost. SparebankKort VISA. Spareavtale i bank/fond/BSU. Bruke bankens selvbetjeningstjenester, også ved overføringer og saldoforespørsler. Årspris på SparebankKort VISA belastes.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Aktiv Ung Voksen","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"14.09.2012","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":201375},"leverandorVisningsnavn":"Eidsberg Sparebank","leverandorUrl":"http://www.esbank.no","leverandorNavn":"Eidsberg Sparebank","leverandorHref":"leverandor/bank/272","produktpakkeHref":"bank/produktpakke/201375","href":"bank/boliglan/46475","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.09.2012","produktpakkeNavn":"Aktiv Ung Voksen","maks_alder":"34","publiserFra":"08.04.2013","published":true,"modified":"09.04.2013","modifier":"ntn@eidsbergsparebank.no","oppfolging":false,"id":46475},{"navn":"Fastrente 3 år - 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Fastrente 3 år - 75%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"3","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"9 999 999","termingebyr_1_a":"50","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"klpbanken@klp.no","href":"leverandor/bank/473","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.klp.no","bytt_bank_url":"http://www.klp.no","bb_adresse1":"P.B. 400, Sentrum","bb_adresse2":"","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"22 03 79 00","bb_telefaks":"22 03 38 30","marked_boliglan":"Landsdekkende","marked_boliglan_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner. Har du offentlig tjenestepensjon i KLP? 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Vår hovedoppgave er å bistå med utlån og kreditter til\n               personer og næringsvirksomhet i Lillesand kommune, samt utenbys personer med tilknytning til Lillesand.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"30","min_belop_b":"2 000 000","termingebyr_1_b":"30","nominell_rente_1_a":"3,95","nominell_rente_1_b":"3,70","leverandor":{"bb_epost":"post@lillesands-sparebank.no","href":"leverandor/bank/366","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"4791","bb_poststed":"Lillesand","bb_telefon":"37 26 92 00","bb_telefaks":"37 26 92 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Lillesands Sparebank hjelper deg når du har behov for å låne penger. Vår hovedoppgave er å bistå med utlån og kreditter til\n               personer og næringsvirksomhet i Lillesand kommune, samt utenbys personer med tilknytning til Lillesand.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Lillesands Sparebank tilbyr kundeforhold, banksparing og dagligbank-tjenester til personer og næringsvirksomhet i Lillesand\n               kommune, samt utenbys personer med tilknytning til Lillesand.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.lillesands-sparebank.no","navn":"Lillesands Sparebank","visningsnavn":"Lillesands Sparebank","orgnr":"937893655","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":366},"leverandorVisningsnavn":"Lillesands Sparebank","leverandorUrl":"http://www.lillesands-sparebank.no","leverandorNavn":"Lillesands Sparebank","leverandorHref":"leverandor/bank/366","produktpakkeHref":"","href":"bank/boliglan/49859","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"02.04.2012","published":true,"modified":"31.05.2013","modifier":"brigitte","oppfolging":false,"id":49859},{"navn":"Boligkreditt 60% fra 1 million kroner","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boligkreditt 60% fra 1 million kroner","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Swedbank tilbyr boliglån i hele landet","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Dersom du har god økonomi og ønsker større grad av fleksibilitet er boligkreditt produktet for deg. 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Kunde i Blaker Sparebank defineres i denne sammenheng slik: Kunde som enten har en aktiv brukskonto eller min. kr 30.000,- innestående på sparekonto.\r\n            ","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU-sparing","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"29.04.2010","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":502},"leverandorVisningsnavn":"Blaker Sparebank","leverandorUrl":"http://www.blakersparebank.no","leverandorNavn":"Blaker Sparebank","leverandorHref":"leverandor/bank/261","produktpakkeHref":"bank/produktpakke/502","href":"bank/boliglan/46493","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"29.04.2010","produktpakkeNavn":"BSU-sparing","maks_alder":"34","publiserFra":"02.04.2012","published":true,"modified":"29.03.2012","modifier":"Jan.Knutsen@blakersparebank.no","oppfolging":false,"id":46493},{"navn":"Flexilån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Effektiv rente for kreditter er avhengig av lånebeløp og utnyttelsesgrad, og vil bli beregnet eksakt i hvert enkelt tilfelle. Renten beregnes etterskuddsvis pr. måned. Terminomkostning Flexilån kr 40 pr mnd.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178419","student":false,"spesielle_betingelser":"Ved innvilgelse av boliglån forutsettes det at kundeforhold etableres med bruks-/lønnnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":178419},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakkeHref":"bank/produktpakke/178419","href":"bank/boliglan/142842","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"01.04.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":142842},{"navn":"Førstehjemslån, med BSU","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Førstehjemslån, med BSU","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vi betrakter hele Norge som vårt markedsområde for boliglån.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom.  ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","termingebyr_1_a":"30","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"post@soknedal-sparebank.no","href":"leverandor/bank/427","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"7288","bb_poststed":"Soknedal","bb_telefon":"72430040","bb_telefaks":"72430041","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi betrakter hele Norge som vårt markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Vi betrakter hele Norge som vårt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.soknedal-sparebank.no","navn":"Soknedal Sparebank","visningsnavn":"Soknedal Sparebank","orgnr":"937902263","modified":"01.02.2013","modifier":"siri.fossum@soknedal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":427},"produktpakke":{"navn":"BSU","leverandor":{"bb_epost":"post@soknedal-sparebank.no","href":"leverandor/bank/427","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"7288","bb_poststed":"Soknedal","bb_telefon":"72430040","bb_telefaks":"72430041","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi betrakter hele Norge som vårt markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Vi betrakter hele Norge som vårt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.soknedal-sparebank.no","navn":"Soknedal Sparebank","visningsnavn":"Soknedal Sparebank","orgnr":"937902263","modified":"01.02.2013","modifier":"siri.fossum@soknedal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":427},"leverandorVisningsnavn":"Soknedal Sparebank","leverandorUrl":"http://www.soknedal-sparebank.no","leverandorNavn":"Soknedal Sparebank","leverandorHref":"leverandor/bank/427","produktpakke_arsgebyr":"0","href":"bank/produktpakke/212647","student":false,"spesielle_betingelser":"BSU Pluss er en konto for deg mellom 15 og 34 år. Lik rente som den ordinære BSU konto. Må brukes til boligformål- like vilkår ved uttak som den ordinære BSU konto. Ingen skattefradrag. Innskudd BSU pluss må ikke overstige 20.000 pr.år- totalt\r\n150.000. Må ha opprettet en BSU konto i Soknedal Sparebank. Er du i den situasjon at du ikke har skattbar inntekt kan BSU pluss benyttes først. 1 måneds oppsigelsestid.","pensjonist":false,"min_alder":"15","maks_alder":"34","produktpakke_navn":"BSU","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"02.01.2013","published":true,"modified":"02.01.2013","modifier":"brigitte","oppfolging":false,"id":212647},"leverandorVisningsnavn":"Soknedal Sparebank","leverandorUrl":"http://www.soknedal-sparebank.no","leverandorNavn":"Soknedal Sparebank","leverandorHref":"leverandor/bank/427","produktpakkeHref":"bank/produktpakke/212647","href":"bank/boliglan/47887","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.01.2013","produktpakkeNavn":"BSU","maks_alder":"34","publiserFra":"23.03.2012","published":true,"modified":"07.03.2013","modifier":"brigitte","oppfolging":false,"id":47887},{"navn":"Fastrentelån 85%  5 år ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 950","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Fastrentelån 85%  5 år ","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"5","forbehold":"Det er vanskelig å treffe rentebunnen, så det å spekulere i at fastrente skal lønne seg er forbundet med risiko. Vår anbefaling er at det er din økonomiske situasjon og dine ønsker som styrer valget. Dersom du foretrekker tryggheten i faste månedlige låneutgifter så har vi til enhver tid tilbud om fastrente med 2, 3, 4, 5, 7 og 10 års rentebinding. Fordeler med fastrentelån: Forutsigbare låneutgifter - renten påvirkes ikke av svigninger i rentemarkedet. Kan kombineres med boliglån med flytende rente, for eksempel ved å dele opp lånet i en fast og en flytende del. Økonomisk trygghet - du har til enhver tid god oversikt over låneutgiftene dine. For nye boliglånskunder er etableringsgebyr for etablering av avdragslån med sikkerhet kr 1.950,-. For endring av lånetype for allerede etablerte serie-/annuitetslån flytende til fast rente er etableringsgebyret kr 1.000,-. Termingebyr serie-/annunitets flytende fast rente er termingebyr kr 40,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"4,55","leverandor":{"bb_epost":"smn@smn.no","href":"leverandor/bank/342","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.smn.no","bytt_bank_url":"http://www.smn.no","bb_adresse1":"Postboks 4796 Sluppen","bb_adresse2":"","bb_postnr":"7467","bb_poststed":"Trondheim","bb_telefon":"07300","bb_telefaks":"73585810","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.smn.no","url":"http://www.smn.no","navn":"SpareBank 1 Midt-Norge","visningsnavn":"SpareBank 1 SMN","orgnr":"937901003","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":342},"leverandorVisningsnavn":"SpareBank 1 SMN","leverandorUrl":"http://www.smn.no","leverandorNavn":"SpareBank 1 SMN","leverandorHref":"leverandor/bank/342","produktpakkeHref":"","href":"bank/boliglan/156003","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"11.03.2013","published":true,"modified":"11.03.2013","modifier":"arne.nypan@smn.no","oppfolging":false,"id":156003},{"navn":"Boliglån 75%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 250","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Termingebyr forutsetter at terminbeløp kan belastes automatisk på bruks- eller lønnskonto i SpareBank 1 Ringerike Hadeland.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 000 000","termingebyr_1_a":"50","min_belop_b":"1 000 001","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,55","nominell_rente_1_b":"4,15","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"firmapost@rhbank.no","href":"leverandor/bank/348","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Søndre Torv 6","bb_adresse2":"Postboks 518 Sentrum","bb_postnr":"3504","bb_poststed":"Hønefoss","bb_telefon":"02130","bb_telefaks":"32113301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rhbank.no","navn":"SpareBank 1 Ringerike Hadeland","visningsnavn":"SpareBank 1 Ringerike Hadeland","orgnr":"937889275","modified":"26.10.2011","modifier":"dag.engen@ringerike.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":348},"produktpakke":{"navn":"Bruks eller lønnskonto","leverandor":{"bb_epost":"firmapost@rhbank.no","href":"leverandor/bank/348","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Søndre Torv 6","bb_adresse2":"Postboks 518 Sentrum","bb_postnr":"3504","bb_poststed":"Hønefoss","bb_telefon":"02130","bb_telefaks":"32113301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rhbank.no","navn":"SpareBank 1 Ringerike Hadeland","visningsnavn":"SpareBank 1 Ringerike Hadeland","orgnr":"937889275","modified":"26.10.2011","modifier":"dag.engen@ringerike.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":348},"leverandorVisningsnavn":"SpareBank 1 Ringerike Hadeland","leverandorUrl":"http://www.rhbank.no","leverandorNavn":"SpareBank 1 Ringerike Hadeland","leverandorHref":"leverandor/bank/348","produktpakke_arsgebyr":"0","href":"bank/produktpakke/218423","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at terminbeløpet kan belastes automatisk på bruks- eller lønnskonto i SpareBank 1 Ringerike Hadeland","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Bruks eller lønnskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.02.2013","published":true,"modified":"04.02.2013","modifier":"brigitte","oppfolging":false,"id":218423},"leverandorVisningsnavn":"SpareBank 1 Ringerike Hadeland","leverandorUrl":"http://www.rhbank.no","leverandorNavn":"SpareBank 1 Ringerike Hadeland","leverandorHref":"leverandor/bank/348","produktpakkeHref":"bank/produktpakke/218423","href":"bank/boliglan/50419","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.02.2013","produktpakkeNavn":"Bruks eller lønnskonto","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"dag.engen@ringerike.sparebank1.no","oppfolging":false,"id":50419},{"navn":"Boliglån til 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","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"5","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"post@sb1telemark.no","href":"leverandor/bank/417","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sb1telemark.no","bytt_bank_url":"http://www.sb1telemark.no","bb_adresse1":"Jernbanegata 15","bb_adresse2":"Postboks 188","bb_postnr":"3901","bb_poststed":"Porsgrunn","bb_telefon":"02610","bb_telefaks":"35569601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. Våre lån gis kun med sikkerhet i\r\n               boliger i vårt virksomhetsområde, eller til eksisterende kunder som bosetter seg andre steder i landet og som fortsatt ønsker\r\n               å bruke oss som hovedbankforbindelse.            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Som kunde hos oss får du gode og skreddersydde løsninger tilpasset din økonomiske situasjon. Kom innom et av våre kontorer,\r\n               så kan også du bli kunde allerede i dag.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sb1telemark.no","url":"http://www.sb1telemark.no","navn":"Sparebanken Telemark","visningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","orgnr":"937891334","modified":"03.11.2011","modifier":"jan.thomas.moen@sb1telemark.no","tilbyrSph":false,"oppfolging":false,"id":417},"produktpakke":{"navn":"Totalkunde/Hovedbankforbindelse","leverandor":{"bb_epost":"post@sb1telemark.no","href":"leverandor/bank/417","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sb1telemark.no","bytt_bank_url":"http://www.sb1telemark.no","bb_adresse1":"Jernbanegata 15","bb_adresse2":"Postboks 188","bb_postnr":"3901","bb_poststed":"Porsgrunn","bb_telefon":"02610","bb_telefaks":"35569601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. Våre lån gis kun med sikkerhet i\r\n               boliger i vårt virksomhetsområde, eller til eksisterende kunder som bosetter seg andre steder i landet og som fortsatt ønsker\r\n               å bruke oss som hovedbankforbindelse.            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Som kunde hos oss får du gode og skreddersydde løsninger tilpasset din økonomiske situasjon. Kom innom et av våre kontorer,\r\n               så kan også du bli kunde allerede i dag.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sb1telemark.no","url":"http://www.sb1telemark.no","navn":"Sparebanken Telemark","visningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","orgnr":"937891334","modified":"03.11.2011","modifier":"jan.thomas.moen@sb1telemark.no","tilbyrSph":false,"oppfolging":false,"id":417},"leverandorVisningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorUrl":"http://www.sb1telemark.no","leverandorNavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorHref":"leverandor/bank/417","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189821","student":false,"spesielle_betingelser":"Tilknytning til Telemark. Forutsetter totalkundeforhold/hovedbankforbindelse. Rentene fastsettes på bakgrunn av en helhetlig kredittvurdering. I denne vurderingen inngår det bl.a. følgende elementer: Inntektsnivå som sikrer betjeningsevnen. Økonomisk ryddighet for å unngå betalingsanmerkninger. Opplåningsgrad i forhold til boligverdi. Sparing for uforutsette hendelser og for å utjevne inntekstsvikt gis ordinære betingelser. Forsikring mot uforutsette ulykker/ livshendelser. Kundens øvrige låneforpliktelser.\r\n","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Totalkunde/Hovedbankforbindelse","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.05.2012","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":189821},"leverandorVisningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorUrl":"http://www.sb1telemark.no","leverandorNavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorHref":"leverandor/bank/417","produktpakkeHref":"bank/produktpakke/189821","href":"bank/boliglan/46625","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.05.2012","produktpakkeNavn":"Totalkunde/Hovedbankforbindelse","maks_alder":"100","publiserFra":"30.04.2013","published":true,"modified":"30.04.2013","modifier":"jan.thomas.moen@sb1Telemark.no","oppfolging":false,"id":46625},{"navn":"Førstehjemslån - inntil 85% av verdi","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån - inntil 85% av verdi","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Som lokalbank har vi de beste forutsetninger for å dekke lokalmarkedets behov for finansiering, både innenfor privat- og næringslivsmarkedet.\n               Vårt hovedmarkedsområde er Kragerø samt utflyttede Kragerøborgere og andre som har tilknyttnig til Kragerø som. f.eks alle\n               hytteeiere.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du her egenkapital eller tilleggssikkerhet utenom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,50","leverandor":{"bb_epost":"post@kragerobanken.no","href":"leverandor/bank/327","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","bytt_bank_url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","bb_adresse1":"Postboks 68","bb_adresse2":"","bb_postnr":"3791","bb_poststed":"Kragerø","bb_telefon":"35 98 68 00","bb_telefaks":"35 98 35 98","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Som lokalbank har vi de beste forutsetninger for å dekke lokalmarkedets behov for finansiering, både innenfor privat- og næringslivsmarkedet.\n               Vårt hovedmarkedsområde er Kragerø samt utflyttede Kragerøborgere og andre som har tilknyttnig til Kragerø som. f.eks alle\n               hytteeiere.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt hovedmarkedsområde er Kragerø samt utflyttede Kragerøborgere og andre som har tilknyttnig til Kragerø som. f.eks alle\n               hytteeiere.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","navn":"Kragerø Sparebank","visningsnavn":"Kragerø Sparebank","orgnr":"937892039","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":327},"produktpakke":{"navn":"Kragerø Total","leverandor":{"bb_epost":"post@kragerobanken.no","href":"leverandor/bank/327","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","bytt_bank_url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","bb_adresse1":"Postboks 68","bb_adresse2":"","bb_postnr":"3791","bb_poststed":"Kragerø","bb_telefon":"35 98 68 00","bb_telefaks":"35 98 35 98","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Som lokalbank har vi de beste forutsetninger for å dekke lokalmarkedets behov for finansiering, både innenfor privat- og næringslivsmarkedet.\n               Vårt hovedmarkedsområde er Kragerø samt utflyttede Kragerøborgere og andre som har tilknyttnig til Kragerø som. f.eks alle\n               hytteeiere.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt hovedmarkedsområde er Kragerø samt utflyttede Kragerøborgere og andre som har tilknyttnig til Kragerø som. f.eks alle\n               hytteeiere.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","url":"https://www1.portalbank.no/2655/Sider/Forside.aspx","navn":"Kragerø Sparebank","visningsnavn":"Kragerø Sparebank","orgnr":"937892039","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":327},"leverandorVisningsnavn":"Kragerø Sparebank","leverandorUrl":"https://www1.portalbank.no/2655/Sider/Forside.aspx","leverandorNavn":"Kragerø Sparebank","leverandorHref":"leverandor/bank/327","produktpakke_arsgebyr":"0","href":"bank/produktpakke/172906","student":false,"spesielle_betingelser":"Bruker du Kragerø Sparebank som din hovedbank, og oppfyller noen forutsetninger så gir vi deg mange fordeler: Du kan ta ut penger gratis i minibank. Du bruker kortet gratis i betalingsterminaler i inn- og utland. Du kan betale regningene dine gratis via nettbank* * (gjelder ikke betaling til utlandet) Du har din egen kunderådgiver. Forutsetningene er at du har; Lån og/eller innskudd over 500 000,-. Aktiv brukskonto (Nettbank m.nettpost, Visa Classic og lønnsinngang). Totalkunde i Terra Skadeforsikring eller Terra Liv ( Personforsikring) gjennom Kragerø Sparebank. Månedlig sparing i fond eller Terra kreditkort. Ektefelle/samboere sees under ett.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Kragerø Total","min_antall_produkter":"6","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"28.01.2012","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":172906},"leverandorVisningsnavn":"Kragerø Sparebank","leverandorUrl":"https://www1.portalbank.no/2655/Sider/Forside.aspx","leverandorNavn":"Kragerø Sparebank","leverandorHref":"leverandor/bank/327","produktpakkeHref":"bank/produktpakke/172906","href":"bank/boliglan/48691","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"28.01.2012","produktpakkeNavn":"Kragerø Total","maks_alder":"100","publiserFra":"08.05.2013","published":true,"modified":"22.05.2013","modifier":"jgp@kragerobanken.no","oppfolging":false,"id":48691},{"navn":"Fastrentelån 5 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fastrentelån 5 år","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"5","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","termingebyr_1_a":"35","nominell_rente_1_a":"4,15","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179620","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":179620},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakkeHref":"bank/produktpakke/179620","href":"bank/boliglan/232686","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"23.05.2013","published":true,"modified":"30.05.2013","modifier":"mette.skogstad@odal-sparebank.no","oppfolging":false,"id":232686},{"navn":"Terra Boligkreditt 60%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Terra Boligkreditt 60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Haltdalen Sparebank ligger i Haltdalen i Holtålen Kommune. 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Banken var opprinnelig en bank for kommunens innbyggere, men har i dag\n               kunder over store deler av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gruesparebank.no","navn":"Grue Sparebank","visningsnavn":"Grue Sparebank","orgnr":"937886705","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":310},"leverandorVisningsnavn":"Grue Sparebank","leverandorUrl":"http://www.gruesparebank.no","leverandorNavn":"Grue Sparebank","leverandorHref":"leverandor/bank/310","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189725","student":false,"spesielle_betingelser":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Bankens beste utlånsrente er oppgitt. Endelig utlånsrente fastsettes etter individuell kredittvurdering. Opplyst termingebyr forutsetter automatisk belastning av terminbeløp (renter, avdrag og termingebyr) på konto etablert i Grue Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU og konto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"19.05.2012","published":true,"modified":"19.05.2012","modifier":"brigitte","oppfolging":false,"id":189725},"leverandorVisningsnavn":"Grue Sparebank","leverandorUrl":"http://www.gruesparebank.no","leverandorNavn":"Grue Sparebank","leverandorHref":"leverandor/bank/310","produktpakkeHref":"bank/produktpakke/189725","href":"bank/boliglan/46497","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"19.05.2012","produktpakkeNavn":"BSU og konto","maks_alder":"34","publiserFra":"22.03.2013","published":true,"modified":"22.03.2013","modifier":"hallgeir.sletten@gruesparebank.no","oppfolging":false,"id":46497},{"navn":"Lån med pant i fast eiendom innenfor 80% av takst","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 800","depotgebyr":"600","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Lån med pant i fast eiendom innenfor 80% av takst","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er Oslo/Akershus.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 000 000","termingebyr_1_a":"45","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"45","min_belop_c":"2 000 000","termingebyr_1_c":"45","nominell_rente_1_a":"4,50","nominell_rente_1_b":"4,00","nominell_rente_1_c":"3,65","leverandor":{"bb_epost":"lillestrombanken@lillestrombanken.no","href":"leverandor/bank/325","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb 143","bb_adresse2":"","bb_postnr":"2001","bb_poststed":"Lillestrøm","bb_telefon":"63804200","bb_telefaks":"63804201","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er Oslo/Akershus.","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er Oslo/Akershus.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.lillestrombanken.no","navn":"LillestrømBanken","visningsnavn":"LillestrømBanken (Lillestrøm Sparebank)","orgnr":"937885911","modified":"22.04.2013","modifier":"js@lillestrombanken.no","tilbyrSph":false,"oppfolging":false,"id":325},"leverandorVisningsnavn":"LillestrømBanken (Lillestrøm Sparebank)","leverandorUrl":"http://www.lillestrombanken.no","leverandorNavn":"LillestrømBanken (Lillestrøm Sparebank)","leverandorHref":"leverandor/bank/325","produktpakkeHref":"","href":"bank/boliglan/200923","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"08.04.2013","modifier":"js@lillestrombanken.no","oppfolging":false,"id":200923},{"navn":"Boliglån for ungdom","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån for ungdom","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Som totalkunde må du ha lønnskonto med lønnsinngang, nettbank, betalingskort og BSU (Boligsparing for ungdom\r\n\r\nBoligsparing for ungdom (BSU). Har en fast spareavtale på minimum kr. 400,- pr. mnd. eller gjennomsnittlig oppspart beløp på minst kr. 15 000,-\r\nDu beholder vilkårene etter fylte 34 år inntil du endrer lånet\r\n\r\n\r\nLån forutsetter etablering av kundeforholdet Ungdom Total med bl.a. åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. Endelige rentebetingelser er avhengig av kundeforhold, økonomisk betjeningsevne, sikkerhet og lånets størrelse.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,50","leverandor":{"bb_epost":"bankpost@sb1ls.no","href":"leverandor/bank/471","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.finansportalen.no","bytt_bank_url":"www.finansportalen.no","bb_adresse1":"Postboks 23","bb_adresse2":"","bb_postnr":"2688","bb_poststed":"Lom","bb_telefon":"61 21 90 00","bb_telefaks":"61 21 90 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","marked_generell":"Landsdekkende","marked_generell_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.finansportalen.no","url":"http://www.sb1ls.no","navn":"Lom og Skjåk Sparebank","visningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","orgnr":"937888015","modified":"03.11.2011","modifier":"yvonne.nyhus@sb1ls.no","tilbyrSph":false,"oppfolging":false,"id":471},"produktpakke":{"navn":"Ungdom Total","leverandor":{"bb_epost":"bankpost@sb1ls.no","href":"leverandor/bank/471","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.finansportalen.no","bytt_bank_url":"www.finansportalen.no","bb_adresse1":"Postboks 23","bb_adresse2":"","bb_postnr":"2688","bb_poststed":"Lom","bb_telefon":"61 21 90 00","bb_telefaks":"61 21 90 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","marked_generell":"Landsdekkende","marked_generell_info":"Lom og Skjåk Sparebank ble grunnlagt i 1873 som en sparebank for kommunene Lom og Skjåk.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.finansportalen.no","url":"http://www.sb1ls.no","navn":"Lom og Skjåk Sparebank","visningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","orgnr":"937888015","modified":"03.11.2011","modifier":"yvonne.nyhus@sb1ls.no","tilbyrSph":false,"oppfolging":false,"id":471},"leverandorVisningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorUrl":"http://www.sb1ls.no","leverandorNavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorHref":"leverandor/bank/471","produktpakke_arsgebyr":"0","href":"bank/produktpakke/132269","student":false,"spesielle_betingelser":"For å få innvilget boliglån for unge må du være eller bli totalkunde. Med totalkunde mener vi at du må bruke oss som hovedbank og ha lønnskonto, nettbank og betalingskort hos oss. Boligsparing for ungdom (BSU). Har en fast spareavtale på minimum kr. 400,- pr. mnd. eller gjennomsnittlig oppspart beløp på minst kr. 15 000,-","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Ungdom Total","min_antall_produkter":"6","min_inntekt":"0","min_gjeld":"0","min_sparing":"15 000","publiserFra":"05.02.2009","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":132269},"leverandorVisningsnavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorUrl":"http://www.sb1ls.no","leverandorNavn":"SpareBank 1 Lom og Skjåk (Lom og Skjåk Sparebank)","leverandorHref":"leverandor/bank/471","produktpakkeHref":"bank/produktpakke/132269","href":"bank/boliglan/46149","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.02.2009","produktpakkeNavn":"Ungdom Total","maks_alder":"34","publiserFra":"10.04.2012","published":true,"modified":"12.04.2013","modifier":"yvonne.nyhus@sb1ls.no","oppfolging":false,"id":46149},{"navn":"Boliglån til Ungdom","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån til Ungdom","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Har primært Ørland kommune som sitt markedsområde.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Ørland Sparebank tilbyr alle typer lån. Ingen kunder er i samme situasjon. Vi behandler hver lånesøknad individuelt og tilpasser låneavtalen til kundens forutsetninger og behov. Renten fastsettes i forbindelse med kredittgivningen. Er du under 34 år får du ekstra gunstige betingelser på lån til din bolig. •Ekstra gunstige vilkår på lån til deg under 34 år •Alder på hovedlåntaker ved inngåelse av avtale er mellom 18 og 33 år. •Lånet gis til kjøp av egen bolig og innenfor 85 % av markedsverdi. •Markedsverdi fastsettes pga. kjøpesum eller verditakst som godkjennes av banken.\r\nEtableringsgebyr 1 % - minimum kr 500,- og maksimalt kr 1500,-. Offentlige omkostninger kommer i tillegg.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@orland-sparebank.no","href":"leverandor/bank/353","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks40","bb_adresse2":"","bb_postnr":"7129","bb_poststed":"Brekstad","bb_telefon":"04290","bb_telefaks":"42 52 30 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Har primært Ørland kommune som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Har primært Ørland kommune som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orland-sparebank.no","navn":"Ørland Sparebank","visningsnavn":"Ørland Sparebank","orgnr":"937901925","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":353},"produktpakke":{"navn":"Totalkunde Ungdom","leverandor":{"bb_epost":"post@orland-sparebank.no","href":"leverandor/bank/353","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks40","bb_adresse2":"","bb_postnr":"7129","bb_poststed":"Brekstad","bb_telefon":"04290","bb_telefaks":"42 52 30 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Har primært Ørland kommune som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Har primært Ørland kommune som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.orland-sparebank.no","navn":"Ørland Sparebank","visningsnavn":"Ørland Sparebank","orgnr":"937901925","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":353},"leverandorVisningsnavn":"Ørland Sparebank","leverandorUrl":"http://www.orland-sparebank.no","leverandorNavn":"Ørland Sparebank","leverandorHref":"leverandor/bank/353","produktpakke_arsgebyr":"240","href":"bank/produktpakke/740","student":false,"spesielle_betingelser":"Totalkundeavtale med Ørland Sparebank er lønnsomt. Mange av kundene i Ørland Sparebank har valgt å inngå en totalkundeavtale med banken. De som velger å bruke banken på flere områder oppnår nå enda flere fordeler. Personlig rådgivning. Personkonto med rimelig brukskreditt. Totalkonto - sparekonto/brukskonto med fri bruk. Boligsparing for ungdom - høyere innskuddsrente. Sparebankkort Visa med gratis bruk i alle landets minibanker. Nettbank - gratis etablering og ingen månedsleie. Nettgiro og telegiro gratis. Avtalegiro og eFaktura gratis. Terra Vivo - kredittkort for ungdom. Rabatt på skadeforsikring. Forskudd på studielån uten etableringsomkostninger. Boliglån og Førstehjemslån til gunstig rente. Samme PIN-kode for alle dine kort i Ørland Sparebank. 24 timers sperretjeneste for alle kort i Ørland Sparebank. For alle disse fordelene betaler ungdom under 26 år en avgift på kr. 20,- pr. mnd. Ta kontakt med oss i Ørland Sparebank for spørsmål om Totalkundeavtale.","pensjonist":false,"min_alder":"18","maks_alder":"25","produktpakke_navn":"Totalkunde Ungdom","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.12.2007","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":740},"leverandorVisningsnavn":"Ørland Sparebank","leverandorUrl":"http://www.orland-sparebank.no","leverandorNavn":"Ørland Sparebank","leverandorHref":"leverandor/bank/353","produktpakkeHref":"bank/produktpakke/740","href":"bank/boliglan/46845","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.12.2007","produktpakkeNavn":"Totalkunde Ungdom","maks_alder":"34","publiserFra":"18.03.2013","published":true,"modified":"31.05.2013","modifier":"tb@orland-sparebank.no","oppfolging":false,"id":46845},{"navn":"Bien Boliglån for Unge (BBU)","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Bien Boliglån for Unge (BBU)","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Er du under 34 år og skal kjøpe bolig? Bli totalkunde hos oss, og benytt deg av Bien Boliglån for Unge (BBU). Da kan du låne inntil 85 % av boligens verdi til våre beste betingelser. Er dere to, er det tilstrekkelig at en av dere er under 34 år. Betingelsene beholdes frem til første refinansiering etter fylte 34 år. Dersom du har BSU-konto i banken vår, får du også gratis etablering av boliglånet. 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Gjennom BienPluss totalkundeprogram får du; Fast kontaktperson i banken. Gunstigere boliglånsrente. Gratis bruk av nettbank. Gratis bruk av kort ved varekjøp i Norge. Gratis kontantuttak i butikk og minibank i Norge. Kredittkort inkludert i produktet. Gratis bruk av kredittkort ved betalinger i inn- og utland. Gratis reise- og avbestillingsforsikring når minimum 50% av reisen er betalt med kredittkortet. Kredittkortet inkluderer forsikring for ID-Tyveri. Rentefri kreditt på kortbruk ved betaling innen 45 dager. Tilbud om person- og skadeforsikring. 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Kort og betaling - Kombinert VISA og Minibank/Betalingskort uten årsgebyr. Ingen gebyrer på uttak i SpareBank 1s minibanker. Ingen gebyrer på varekjøp i Norge og i utlandet. Gebyrfri betalingsformidling ved bruk av AvtaleGiro, Nettbank og Telefonbank. Gebyrfrie nødkontanter inntil kr 40.000,-. Kontokreditt uten provisjon og etablerings-kostnader inntil kr 150.000,- etter kreditt-vurdering. Kun belastning av renter ved bruk. Lån - 0,25 til 0,45 prosentpoeng lavere rente på lån med sikkerhet i bolig. Halvt etablerings- og depotgebyr ved lån/refinansiering. 0,5 % lavere rente på lån med sikkerhet i bil via vår samarbeidspartner SpareBank 1 Finans Østlandet. Sparing - 25 % rabatt på kjøpsgebyr ved kjøp av fond og/eller Unit Link og/eller Livrente for minst kr 50.000,-. Bolig - \r\nKr 1.750,- i rabatt hos EiendomsMegler 1 ved salg av eiendom. Forsikring - 5 % rabatt på skadeforsikring i SpareBank 1. 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Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","marked_generell":"Landsdekkende","marked_generell_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. 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Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Rente innenfor 80 % er vektet","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"45","nominell_rente_1_a":"4,26","leverandor":{"bb_epost":"post@verdibanken.no","href":"leverandor/bank/299","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"P.b. 6604, St. Olavs Plass","bb_adresse2":"","bb_postnr":"0129","bb_poststed":"Oslo","bb_telefon":"22 99 14 00","bb_telefaks":"22 99 14 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","marked_generell":"Landsdekkende","marked_generell_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.verdibanken.no/","navn":"Verdibanken ASA","visningsnavn":"Verdibanken ASA","orgnr":"986144706","modified":"02.11.2011","modifier":"gunntove.hovdegard@verdibanken.no","tilbyrSph":false,"oppfolging":false,"id":299},"leverandorVisningsnavn":"Verdibanken ASA","leverandorUrl":"http://www.verdibanken.no/","leverandorNavn":"Verdibanken ASA","leverandorHref":"leverandor/bank/299","produktpakkeHref":"","href":"bank/boliglan/49935","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"11.04.2013","published":true,"modified":"11.04.2013","modifier":"gunntove.hovdegard@verdibanken.no","oppfolging":false,"id":49935},{"navn":"Fastrente 5 år - 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Fastrente 5 år - 75%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"5","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"9 999 999","termingebyr_1_a":"50","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"klpbanken@klp.no","href":"leverandor/bank/473","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.klp.no","bytt_bank_url":"http://www.klp.no","bb_adresse1":"P.B. 400, Sentrum","bb_adresse2":"","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"22 03 79 00","bb_telefaks":"22 03 38 30","marked_boliglan":"Landsdekkende","marked_boliglan_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner. Har du offentlig tjenestepensjon i KLP? Da\r\n               får du ekstra gode betingelser på sparing!\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.klp.no","url":"http://www.klp.no","navn":"KLP Banken AS","visningsnavn":"KLP Banken AS","orgnr":"993821837","modified":"01.06.2011","modifier":"tgu@klp.no","tilbyrSph":false,"oppfolging":false,"id":473},"leverandorVisningsnavn":"KLP Banken AS","leverandorUrl":"http://www.klp.no","leverandorNavn":"KLP Banken AS","leverandorHref":"leverandor/bank/473","produktpakkeHref":"","href":"bank/boliglan/49723","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"24.04.2013","published":true,"modified":"24.04.2013","modifier":"tgu@klp.no","oppfolging":false,"id":49723},{"navn":"Førstehjemslån 60 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"500","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Førstehjemslån 60 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"45","nominell_rente_1_a":"3,59","leverandor":{"bb_epost":"post@verdibanken.no","href":"leverandor/bank/299","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"P.b. 6604, St. Olavs Plass","bb_adresse2":"","bb_postnr":"0129","bb_poststed":"Oslo","bb_telefon":"22 99 14 00","bb_telefaks":"22 99 14 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","marked_generell":"Landsdekkende","marked_generell_info":"Verdibanken ASA er en frittstående privateid forretningsbank. Banken ble stiftet i 2003 og fokuserer på å tilrettelegge for utvikling av ideell virksomhet og etisk kapitalforvaltning. Dette innebærer blant annet at banken finansierer formål som er samfunnsbyggende og som bidrar til å verne om mennesker og miljø. Kapitalen skal ikke anvendes til formål som bryter med menneskerettighetene, skader miljøet eller fornedrer menneskeverdet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.verdibanken.no/","navn":"Verdibanken ASA","visningsnavn":"Verdibanken ASA","orgnr":"986144706","modified":"02.11.2011","modifier":"gunntove.hovdegard@verdibanken.no","tilbyrSph":false,"oppfolging":false,"id":299},"leverandorVisningsnavn":"Verdibanken ASA","leverandorUrl":"http://www.verdibanken.no/","leverandorNavn":"Verdibanken ASA","leverandorHref":"leverandor/bank/299","produktpakkeHref":"","href":"bank/boliglan/49945","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"34","publiserFra":"03.04.2012","published":true,"modified":"03.04.2012","modifier":"gunntove.hovdegard@verdibanken.no","oppfolging":false,"id":49945},{"navn":"TULån - inntil 85%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"intervall","produktnavn":"TULån - inntil 85%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"2","rentebinding_ar":"0","forbehold":"Lån til din første, andre eller femte bustad? Snakk med oss om TYSNES UNGDOMSLÅN – for deg opp til 34 år.  Fordeler: - Bustadlån innafor 85% av marknadsverdi til 60% vilkår - Ingen etableringsgebyr eller depotgebyr - Er de to som søker lån i lag så er det alderen til den yngste som gjeld - Opplåning endrer ikkje på dei gode vilkåra. Kontakt banken for uforpliktande samtale om TULån: ...eller kom innom og avtal tidspunkt for møte Dokumentasjon du må ha er siste års sjølvmelding, lønslipper for 3 siste månader viss du ikkje får inn løn til konto i vår bank eller eventuelt kopi av arbeidskontrakt. TULån gjeld for heilkundar som inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank. Må vere under 34 år. Må ha BSU konto/Sparekonto. Må vere heilkunde.\r\nKrav om tilknytning til Tysnes eller omegn.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","max_belaningsgrad_1_a":"60","max_belaningsgrad_1_b":"60","max_belaningsgrad_1_c":"60","max_belaningsgrad_1_d":"60","max_belaningsgrad_1_e":"60","max_belaningsgrad_2_a":"85","min_belaningsgrad_1_a":"0","min_belaningsgrad_1_b":"0","min_belaningsgrad_1_c":"0","min_belaningsgrad_1_d":"0","min_belaningsgrad_1_e":"0","min_belaningsgrad_2_a":"60","nominell_rente_1_a":"3,50","nominell_rente_2_a":"3,75","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"produktpakke":{"navn":"Tysnes Aktiv Totalkunde","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakke_arsgebyr":"0","href":"bank/produktpakke/139813","student":false,"spesielle_betingelser":"Ein plan kan vera så mangt. Fyrst og fremst handlar det om å tenkja på kva du vil – kva som vil vera viktig for deg. Deretter handlar det om kva økonomiske prioriteringar du bør gjera for å koma til målet ditt. Ta ein total gjennomgang av situasjonen din hos lokalbanken. Denne vil danna grunnlag for korleis du bør leggja opp den personlege økonomien din. Fordelsprogrammet Tysnes Aktiv – til deg mellom 18 og 60 år Om du samlar alle banktenestene dine hos oss, kan du som aktiv totalkunde oppnå fordeler som: • Gebyrfri nettbank • Gebyrfri bruk av kort i Norge • Gebyrfri telefonbank/SMS-bank/mobilbank • Gunstigare rente på bustadlån • Eigen kunderådgjevar • Nettpost • Gebyrfritt kredittkort • Invitasjon til kundeseminar/arrangement Vilkår: • Total-/heilkunde (alle bankkonti og banktenester hos oss) • Løn, studielån el. pensjon inn på konto • Visakort\r\n• Bruk av nettbank (med nettpost). Heilkunde inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"60","produktpakke_navn":"Tysnes Aktiv Totalkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"18.04.2011","published":true,"modified":"27.02.2012","modifier":"brigitte","oppfolging":false,"id":139813},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakkeHref":"bank/produktpakke/139813","href":"bank/boliglan/151733","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"18.04.2011","produktpakkeNavn":"Tysnes Aktiv Totalkunde","maks_alder":"34","publiserFra":"06.06.2012","published":true,"modified":"25.04.2012","modifier":"britt.ersvaer@tysnes-sparebank.no","oppfolging":false,"id":151733},{"navn":"Boliglån - Inntil 85% ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"3 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"intervall","produktnavn":"Boliglån - Inntil 85% ","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Krav om tilknytning til Tysnes eller omegn og Heilkunde, som inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"70","max_belaningsgrad_1_a":"60","max_belaningsgrad_1_b":"90","max_belaningsgrad_1_c":"60","max_belaningsgrad_1_d":"60","max_belaningsgrad_1_e":"60","max_belaningsgrad_2_a":"85","min_belaningsgrad_1_a":"0","min_belaningsgrad_1_b":"60","min_belaningsgrad_1_c":"0","min_belaningsgrad_1_d":"0","min_belaningsgrad_1_e":"0","min_belaningsgrad_2_a":"60","nominell_rente_1_a":"3,50","nominell_rente_2_a":"5,40","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"produktpakke":{"navn":"Tysnes Aktiv Totalkunde","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakke_arsgebyr":"0","href":"bank/produktpakke/139813","student":false,"spesielle_betingelser":"Ein plan kan vera så mangt. Fyrst og fremst handlar det om å tenkja på kva du vil – kva som vil vera viktig for deg. Deretter handlar det om kva økonomiske prioriteringar du bør gjera for å koma til målet ditt. Ta ein total gjennomgang av situasjonen din hos lokalbanken. Denne vil danna grunnlag for korleis du bør leggja opp den personlege økonomien din. Fordelsprogrammet Tysnes Aktiv – til deg mellom 18 og 60 år Om du samlar alle banktenestene dine hos oss, kan du som aktiv totalkunde oppnå fordeler som: • Gebyrfri nettbank • Gebyrfri bruk av kort i Norge • Gebyrfri telefonbank/SMS-bank/mobilbank • Gunstigare rente på bustadlån • Eigen kunderådgjevar • Nettpost • Gebyrfritt kredittkort • Invitasjon til kundeseminar/arrangement Vilkår: • Total-/heilkunde (alle bankkonti og banktenester hos oss) • Løn, studielån el. pensjon inn på konto • Visakort\r\n• Bruk av nettbank (med nettpost). Heilkunde inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"60","produktpakke_navn":"Tysnes Aktiv Totalkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"18.04.2011","published":true,"modified":"27.02.2012","modifier":"brigitte","oppfolging":false,"id":139813},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakkeHref":"bank/produktpakke/139813","href":"bank/boliglan/139608","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"18.04.2011","produktpakkeNavn":"Tysnes Aktiv Totalkunde","maks_alder":"100","publiserFra":"06.06.2012","published":true,"modified":"25.04.2012","modifier":"britt.ersvaer@tysnes-sparebank.no","oppfolging":false,"id":139608},{"navn":"Boliglån - inntil 60% ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån - inntil 60% ","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"2","rentebinding_ar":"0","forbehold":"Krav om tilknytning til Tysnes eller omegn og Heilkunde, som inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,50","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"produktpakke":{"navn":"Tysnes Aktiv Totalkunde","leverandor":{"bb_epost":"post@tysnes-sparebank.no","href":"leverandor/bank/302","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"5680","bb_poststed":"Tysnes","bb_telefon":"53430300","bb_telefaks":"53430350","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Banken skal dekka kundane sitt behov for sparing, lån, betalingsformidling og andre vanlege banktenester, herunder også Terra-Gruppen AS sine produkt. Primært marknadsområde er innan Tysnes kommune, men me skal også vera banken for nærområda rundt og utflytta tysnesingar.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/3525/Sider/forside.aspx","navn":"Tysnes Sparebank","visningsnavn":"Tysnes Sparebank","orgnr":"937897375","modified":"03.10.2011","modifier":"britt.ersvaer@tysnes-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":302},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakke_arsgebyr":"0","href":"bank/produktpakke/139813","student":false,"spesielle_betingelser":"Ein plan kan vera så mangt. Fyrst og fremst handlar det om å tenkja på kva du vil – kva som vil vera viktig for deg. Deretter handlar det om kva økonomiske prioriteringar du bør gjera for å koma til målet ditt. Ta ein total gjennomgang av situasjonen din hos lokalbanken. Denne vil danna grunnlag for korleis du bør leggja opp den personlege økonomien din. Fordelsprogrammet Tysnes Aktiv – til deg mellom 18 og 60 år Om du samlar alle banktenestene dine hos oss, kan du som aktiv totalkunde oppnå fordeler som: • Gebyrfri nettbank • Gebyrfri bruk av kort i Norge • Gebyrfri telefonbank/SMS-bank/mobilbank • Gunstigare rente på bustadlån • Eigen kunderådgjevar • Nettpost • Gebyrfritt kredittkort • Invitasjon til kundeseminar/arrangement Vilkår: • Total-/heilkunde (alle bankkonti og banktenester hos oss) • Løn, studielån el. pensjon inn på konto • Visakort\r\n• Bruk av nettbank (med nettpost). Heilkunde inneber at du har visa-kort, nettbank, alle innskot og lån gjennom Tysnes Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"60","produktpakke_navn":"Tysnes Aktiv Totalkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"18.04.2011","published":true,"modified":"27.02.2012","modifier":"brigitte","oppfolging":false,"id":139813},"leverandorVisningsnavn":"Tysnes Sparebank","leverandorUrl":"https://www1.portalbank.no/3525/Sider/forside.aspx","leverandorNavn":"Tysnes Sparebank","leverandorHref":"leverandor/bank/302","produktpakkeHref":"bank/produktpakke/139813","href":"bank/boliglan/152196","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"18.04.2011","produktpakkeNavn":"Tysnes Aktiv Totalkunde","maks_alder":"100","publiserFra":"06.06.2012","published":true,"modified":"25.04.2012","modifier":"britt.ersvaer@tysnes-sparebank.no","oppfolging":false,"id":152196},{"navn":"80% - flytende rente","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"80% - flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Bustadlån innafor 80% av takst Kr.1.000.000, 20 år, mndl.forf. frå 4,45% Belastning konto u/melding kr.35,00","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"post@aurlandsparebank.no","href":"leverandor/bank/289","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 13","bb_adresse2":"","bb_postnr":"5745","bb_poststed":"Aurland","bb_telefon":"57632600","bb_telefaks":"57632601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurlandsparebank.no","navn":"Aurland Sparebank","visningsnavn":"Aurland Sparebank","orgnr":"837898072","modified":"09.08.2011","modifier":"janfredrik.hagen@aurlandsparebank.no","tilbyrSph":false,"oppfolging":true,"id":289},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@aurlandsparebank.no","href":"leverandor/bank/289","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 13","bb_adresse2":"","bb_postnr":"5745","bb_poststed":"Aurland","bb_telefon":"57632600","bb_telefaks":"57632601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Aurland Sparebank er ein sjølvstendig og lokal sparebank. Hovudkontoret ligg på Aurlandsvangen med eit avdelingskontor på\r\n               Flåm. Banken si målsetjing er å vera ein god og solid bank for privatkundar, næringsliv og lag og organisasjonar i Aurland\r\n               Kommune. Banken er også ein bank for utflytta sambygdingar og andre som ynskjer å vera kundar hjå oss. Ny teknologi gjer dette\r\n               mogeleg. Med kort ,telefon og PC med internett kan du nytta Aurland Sparebank sine produkt og tenester på ein effektiv og\r\n               rimeleg måte.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurlandsparebank.no","navn":"Aurland Sparebank","visningsnavn":"Aurland Sparebank","orgnr":"837898072","modified":"09.08.2011","modifier":"janfredrik.hagen@aurlandsparebank.no","tilbyrSph":false,"oppfolging":true,"id":289},"leverandorVisningsnavn":"Aurland Sparebank","leverandorUrl":"http://www.aurlandsparebank.no","leverandorNavn":"Aurland Sparebank","leverandorHref":"leverandor/bank/289","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201108","student":false,"spesielle_betingelser":"Brukskonto med lønnsinngang forutsettes for belastning av terminbeløp (renter, avdrag og termingebyr)på konto","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.09.2012","published":true,"modified":"13.09.2012","modifier":"brigitte","oppfolging":false,"id":201108},"leverandorVisningsnavn":"Aurland Sparebank","leverandorUrl":"http://www.aurlandsparebank.no","leverandorNavn":"Aurland Sparebank","leverandorHref":"leverandor/bank/289","produktpakkeHref":"bank/produktpakke/201108","href":"bank/boliglan/48105","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.09.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"06.07.2011","published":true,"modified":"30.10.2012","modifier":"brigitte","oppfolging":false,"id":48105},{"navn":"Boliglån 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boliglån 70 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån inntil 70 % av eiendommens markedsverdi til nom. rente 3,65%.  Godkjent pant i fast eiendom; Enebolig, selveierleilighet og borettslag, fritidsbolig og tomt. Vi forutsetter 1. prioritets pant i bolig og tar forbehold om godkjennelse av panteobjektet. Det tas ikke pant i: Småbruk eller landbrukseiendommer, aksje- eller obligasjonsleiligheter. Realkausjon godtas ikke. Øvre beløpsgrense for boliglån i DinBANK.no er kr 6 mill. Du må også ha registrerte likningstall de 3 siste år for å kunne innvilges lån i DinBANK.no. Kunder som ønsker lån med sikkerhet i flere eiendommer vil få tilbud om ett lån pr. sikkerhet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"6 000 000","termingebyr_1_a":"0","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"Kundeservice@dinbank.no","href":"leverandor/bank/322","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 67","bb_adresse2":"","bb_postnr":"3301","bb_poststed":"Hokksund","bb_telefon":"09150","bb_telefaks":"32201280","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nettbanken DinBANK.no tilbyr banksparing og dagligbank-tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.dinbank.no","navn":"Din Bank","visningsnavn":"Din Bank (Sparebanken Øst)","orgnr":"937888937","modified":"06.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":322},"leverandorVisningsnavn":"Din Bank (Sparebanken Øst)","leverandorUrl":"http://www.dinbank.no","leverandorNavn":"Din Bank (Sparebanken Øst)","leverandorHref":"leverandor/bank/322","produktpakkeHref":"","href":"bank/boliglan/46633","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"12.11.2012","published":true,"modified":"13.02.2013","modifier":"gry.syversen@oest.no","oppfolging":false,"id":46633},{"navn":"Flexilån/rammelån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 250","depotgebyr":"1 250","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån/rammelån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Normal kredittvurdering. 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Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","navn":"Nøtterø Sparebank","visningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","orgnr":"937890362","modified":"24.11.2011","modifier":"ra@nsp1.no","tilbyrSph":false,"oppfolging":false,"id":358},"produktpakke":{"navn":"Privat Ekstra","leverandor":{"bb_epost":"service@nottero.sparebank1.no","href":"leverandor/bank/358","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"3106","bb_poststed":"Nøtterøy","bb_telefon":"02440","bb_telefaks":"33304110","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. 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Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","navn":"Nøtterø Sparebank","visningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","orgnr":"937890362","modified":"24.11.2011","modifier":"ra@nsp1.no","tilbyrSph":false,"oppfolging":false,"id":358},"leverandorVisningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorUrl":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","leverandorNavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorHref":"leverandor/bank/358","produktpakke_arsgebyr":"0","href":"bank/produktpakke/762","student":false,"spesielle_betingelser":"Som Privat Ekstrakunde vil du få din egen rådgiver i banken som kjenner deg og din økonomi. Dette vil gi deg god rådgivning og de tjenestene du har behov for innen finansiering, plassering, skade- og personforsikring. Forutsetninger: brukskonto med lønnsinngang, SpareBank 1 kort VISA og sum av innskudd+lån over 100.000. Fordelene: gebyrfri elektronisk regningsbetaling, kreditt på Bruks- eller Regningskonto, ved behov får du svar på lånesøknad påfølgende virkedag, mulighet forFlexilån med fri bruk av lånerammen innenfor 75 % av boligens verdi, har du Iphone eller Androide-telefon kan du laste ned gratis Mobilbank-app, nødkontanter inntil kr 25.000 ved tap av kort på reise i utlandet, nødbilletter inntil kr 25.000 ved tap av flybilletter i utlandet, døgnåpen sperretjeneste ved tap av kort, spareBank 1 GOLD kredittkort.","pensjonist":false,"min_alder":"25","maks_alder":"150","produktpakke_navn":"Privat Ekstra","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"100 000","min_sparing":"0","publiserFra":"09.01.2008","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":762},"leverandorVisningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorUrl":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","leverandorNavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorHref":"leverandor/bank/358","produktpakkeHref":"bank/produktpakke/762","href":"bank/boliglan/46309","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"25","produktpakkePubliserFra":"09.01.2008","produktpakkeNavn":"Privat Ekstra","maks_alder":"150","publiserFra":"21.03.2013","published":true,"modified":"22.03.2013","modifier":"ra@nsp1.no","oppfolging":false,"id":46309},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bankens hovedkontor ligger i Melhus sentrum to mil sør for Trondheim. 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Vi har kontor på Orkanger og i Lensvik.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Brukskonto med direkte overføring av lønn, pensjon eller trygd.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"post@orkdalsbanken.no","href":"leverandor/bank/354","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Orkdalsveien 84","bb_adresse2":"","bb_postnr":"7300","bb_poststed":"Orkanger","bb_telefon":"72466300","bb_telefaks":"72466346","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. Vi har kontor på Orkanger og i Lensvik.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Orkdalsbanken er lokalbanken for Orkdal og de tilstøtende områder. 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Oppgitte renter forutsetter lån i DNB Boligkreditt AS og ett av bankens kundeprogram. 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I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"3","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. 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Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. 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I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"10","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","termingebyr_1_a":"35","nominell_rente_1_a":"4,75","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179620","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":179620},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakkeHref":"bank/produktpakke/179620","href":"bank/boliglan/232688","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"23.05.2013","published":true,"modified":"30.05.2013","modifier":"mette.skogstad@odal-sparebank.no","oppfolging":false,"id":232688},{"navn":"Fleksilån","max_lopetid":"15","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fleksilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Etableringsgebyr er fra kr. 1.750. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,85","nominell_rente_1_b":"4,35","nominell_rente_1_c":"4,00","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@odal-sparebank.no","href":"leverandor/bank/356","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 64","bb_adresse2":"","bb_postnr":"2120","bb_poststed":"Sagstua","bb_telefon":"62970066","bb_telefaks":"62971171","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.odal-sparebank.no","navn":"Odal Sparebank","visningsnavn":"Odal Sparebank","orgnr":"937887043","modified":"10.04.2013","modifier":"mette.skogstad@odal-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":356},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179620","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":179620},"leverandorVisningsnavn":"Odal Sparebank","leverandorUrl":"http://www.odal-sparebank.no","leverandorNavn":"Odal Sparebank","leverandorHref":"leverandor/bank/356","produktpakkeHref":"bank/produktpakke/179620","href":"bank/boliglan/142872","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"10.04.2013","published":true,"modified":"30.05.2013","modifier":"mette.skogstad@odal-sparebank.no","oppfolging":false,"id":142872},{"navn":"60% - flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% - flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Sikkerhet med pant inntil 60% av godkjent takst/omsetningsverdi fra 3,55%Forutsetter at boliglån plassert helt eller delvis i Terra Boligkreditt (TBK). Etableringsgebyr avhenger av lånebeløp. Etableringsgebyr for lån under kr 10.000,- 500,- er kr 500,-. For lån fra kr 10.000,- til kr 50.000,- er etableringsgebyret kr 1.500,-. For lån fra kr 50.000,- til kr 2.000.000,- er etableringsgebyret kr 2.000,-. For lån fra kr 2.000.000,- til 5.000.000,- er etableringsgebyret kr 4.000,- og for lån over kr 5.000.000,- og oppover er etableringsgebyret 0,1% av lånebeløp.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"50 000","max_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"produktpakke":{"navn":"Konto med lønnsinngang","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakke_arsgebyr":"0","href":"bank/produktpakke/200972","student":false,"spesielle_betingelser":"Ved låneopptak forutsetter termingebyr belastning av terminbeløp (renter, avdrag og termingebyr) på konto.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"12.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":200972},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakkeHref":"bank/produktpakke/200972","href":"bank/boliglan/47827","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.09.2012","produktpakkeNavn":"Konto med lønnsinngang","maks_alder":"100","publiserFra":"01.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":47827},{"navn":"Boliglån for unge","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån for unge","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Dine fordeler med Boliglån for unge: Et gunstig lån hvor du normalt kan låne inntil 85 % av kjøpesummen. Rask behandlingstid. Valgfri løpetid – inntil 30 år. Bankens beste boliglånsrente. Boliglån for unge er et tilbud til ungdom fra 18 til 34 år med 15 % egenkapital, eller tilleggssikkerhet i form av realkausjon, og betalingsevne. Alle lån innvilges etter kredittvurdering av lånetaker. Vi legger vekt på bl.a. betalingsevne og –vilje. Lånet gis mot pant i den boligen du bor fast i. Lånet kan refinansieres så lenge du er mellom 18 og 33 år. Fordi du må stille med en del egenkapital for å få lån, kan det å komme seg inn på boligmarkedet være utfordrende. Med Boliglån for unge kan du låne inntil 85 % av boligens kjøpesum. Trenger du 100 % finansiering må du normalt stille med tilleggssikkerhet. Er dere to om å kjøpe bolig, kan dere søke Boliglån for unge så lenge èn av dere er mellom 18 og 33 år. Når banken vurderer din lånesøknad, er det viktig at du har en fast arbeidsinntekt å vise til, eller at du kan vise til en annen sikkerhet for at du kan betale de månedlige avdragene. Våre rådgivere hjelper deg med å finne ut hvor mye du kan klare å betale i måneden, og hvor stort lån du kan ha. Alle lån innvilges etter kredittvurdering av låntakeren. Det er viktig at du kan leve med ditt lån - både for oss og for deg selv. Ved å ta opp et boliglån påtar du deg store økonomiske forpliktelser, og vi råder deg derfor til å tenke gjennom hvilke forsikringer du har behov for. De fleste velger å tegne husforsikring og innboforsikring. I tillegg er det viktig å vurdere personforsikringene Risiko død, Risiko uføre pluss og Risiko uførerente/pensjon som kan sikre deg og dine mot økonomiske vanskeligheter ved bortfall av inntekt. Etableringsgebyr fra 1500,-. Termingebyr kr.40,-\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1","termingebyr_1_a":"40","nominell_rente_1_a":"3,40","leverandor":{"bb_epost":"sparebanken@bo-bank.no","href":"leverandor/bank/286","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Bøgata 69","bb_adresse2":"Postboks 114","bb_postnr":"3833","bb_poststed":"Bø i Telemark","bb_telefon":"35060900","bb_telefaks":"35060920","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bo-bank.no","navn":"Bø Sparebank","visningsnavn":"Bø Sparebank","orgnr":"937891512","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":286},"produktpakke":{"navn":"Boliglån for ungdom","leverandor":{"bb_epost":"sparebanken@bo-bank.no","href":"leverandor/bank/286","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Bøgata 69","bb_adresse2":"Postboks 114","bb_postnr":"3833","bb_poststed":"Bø i Telemark","bb_telefon":"35060900","bb_telefaks":"35060920","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bø Sparebank er i dag bygdas lokale finanshus, med konkurransedyktige tilbud innenfor områdene sparing/plassering, finansiering,\n               fond og aksjer, skade- og livsforsikring, kort og betalingsformidling, samt eiendomsmegling. Vi har produkter og tjenester\n               som er tilpasset såvel næringslivs- og landbrukskunder, som privatkunder i alle aldre og livsfaser.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bo-bank.no","navn":"Bø Sparebank","visningsnavn":"Bø Sparebank","orgnr":"937891512","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":286},"leverandorVisningsnavn":"Bø Sparebank","leverandorUrl":"http://www.bo-bank.no","leverandorNavn":"Bø Sparebank","leverandorHref":"leverandor/bank/286","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179910","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Boliglån for ungdom","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"29.11.2012","modifier":"md@bo-bank.no","oppfolging":false,"id":179910},"leverandorVisningsnavn":"Bø Sparebank","leverandorUrl":"http://www.bo-bank.no","leverandorNavn":"Bø Sparebank","leverandorHref":"leverandor/bank/286","produktpakkeHref":"bank/produktpakke/179910","href":"bank/boliglan/201365","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"Boliglån for ungdom","maks_alder":"34","publiserFra":"30.11.2012","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":201365},{"navn":"Vest-Telemark lånet","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 950","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Vest-Telemark lånet","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Seljord Sparebank er ein frittståande sjølvstendig sparebank som blei etablera i 1937, men har tradisjonar attende til 1865.\r\n               Vi ynskjer å drive ein sjølvstendig bank som er stor nok til å gje god personleg service for kundane våre. Banken sitt hovudkontor\r\n               ligg i Seljord sentrum. Vi har og eit forsikringskontor i Åmot i Vinje. Som ein lokal sjølvstendig bank kan vi legge vekt\r\n               på lokale forhold når vedtak skal gjerast. Som kunde kan du forhalde deg til ein kunderådgjevar du kjenner, og behandlingstida\r\n               er kort.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du på veg \"heimatt\" til Vest - Telemark, eller ynskjer du å flytte til regionen vår, kan dette lånet vere noko for deg! \r\nBanken sitt tilbod går til alle potensielle kundar som vel å flytte til Vest-Telemark. ”Vest-Telemark Lånet” gjeld finansiering med 1. prioritets pant i bustad og fylgjer elles banken sine ordinære lånevilkår. ”Vest-Telemark lånet” kan berre bli gjeve ein gong pr lånetakar. \r\nVilkår: rente i samsvar med prisliste for bustadlån inntil 70 % med frådrag av 0,75%.Ta kontakt med ein kunderådgjevar i dag, og finn ut om dette passar for deg! Omtala utlånsrente er det lågaste rettleiande tilbod banken kan tilby. Endeleg utlånsrente vert sett etter individuell vurdering av lånesøknad og kundetilhøve. Gebyr gjeld lån med sikkerheit i bustad over kr 50 000,-. Bustadlån med flytande rente fylgjer utviklinga i marknadsrenta. Det rimelegaste alternativet over tid. Kan bli kombinert med eit fastrentelån og bli halde avdragsfritt inntil 10 år. \r\nOm lånet: Serielån vert betalt ned med like avdrag kvar månad, rentedelen reduserast over tid. Annuitetslån vert betalt ned med same beløp kvar månad. Bytte bustad i bindingsperioden. Etterskotsvis renteberekning. Moglegheit for gunstig finansiering gjennom ”Eika BoligKreditt”. Løypetid inntil 30 år. Kan endrast til fast rente.\r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,20","leverandor":{"bb_epost":"firmapost@seljordbanken.no","href":"leverandor/bank/293","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb 122","bb_adresse2":"","bb_postnr":"3835","bb_poststed":"Seljord","bb_telefon":"35 00 57 00","bb_telefaks":"35 06 57 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Seljord Sparebank er ein frittståande sjølvstendig sparebank som blei etablera i 1937, men har tradisjonar attende til 1865.\r\n               Vi ynskjer å drive ein sjølvstendig bank som er stor nok til å gje god personleg service for kundane våre. Banken sitt hovudkontor\r\n               ligg i Seljord sentrum. Vi har og eit forsikringskontor i Åmot i Vinje. Som ein lokal sjølvstendig bank kan vi legge vekt\r\n               på lokale forhold når vedtak skal gjerast. Som kunde kan du forhalde deg til ein kunderådgjevar du kjenner, og behandlingstida\r\n               er kort.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Seljord Sparebank er ein frittståande sjølvstendig sparebank som blei etablera i 1937, men har tradisjonar attende til 1865.\r\n               Vi ynskjer å drive ein sjølvstendig bank som er stor nok til å gje god personleg service for kundane våre. Banken sitt hovudkontor\r\n               ligg i Seljord sentrum. Vi har og eit forsikringskontor i Åmot i Vinje. Som ein lokal sjølvstendig bank kan vi legge vekt\r\n               på lokale forhold når vedtak skal gjerast. Som kunde kan du forhalde deg til ein kunderådgjevar du kjenner, og behandlingstida\r\n               er kort.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.seljordbanken.no","navn":"Seljord Sparebank","visningsnavn":"Seljord Sparebank","orgnr":"937893477","modified":"15.09.2011","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":293},"produktpakke":{"navn":"Tilflytting","leverandor":{"bb_epost":"firmapost@seljordbanken.no","href":"leverandor/bank/293","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb 122","bb_adresse2":"","bb_postnr":"3835","bb_poststed":"Seljord","bb_telefon":"35 00 57 00","bb_telefaks":"35 06 57 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Seljord Sparebank er ein frittståande sjølvstendig sparebank som blei etablera i 1937, men har tradisjonar attende til 1865.\r\n               Vi ynskjer å drive ein sjølvstendig bank som er stor nok til å gje god personleg service for kundane våre. Banken sitt hovudkontor\r\n               ligg i Seljord sentrum. Vi har og eit forsikringskontor i Åmot i Vinje. Som ein lokal sjølvstendig bank kan vi legge vekt\r\n               på lokale forhold når vedtak skal gjerast. Som kunde kan du forhalde deg til ein kunderådgjevar du kjenner, og behandlingstida\r\n               er kort.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Seljord Sparebank er ein frittståande sjølvstendig sparebank som blei etablera i 1937, men har tradisjonar attende til 1865.\r\n               Vi ynskjer å drive ein sjølvstendig bank som er stor nok til å gje god personleg service for kundane våre. Banken sitt hovudkontor\r\n               ligg i Seljord sentrum. Vi har og eit forsikringskontor i Åmot i Vinje. Som ein lokal sjølvstendig bank kan vi legge vekt\r\n               på lokale forhold når vedtak skal gjerast. Som kunde kan du forhalde deg til ein kunderådgjevar du kjenner, og behandlingstida\r\n               er kort.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.seljordbanken.no","navn":"Seljord Sparebank","visningsnavn":"Seljord Sparebank","orgnr":"937893477","modified":"15.09.2011","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":293},"leverandorVisningsnavn":"Seljord Sparebank","leverandorUrl":"http://www.seljordbanken.no","leverandorNavn":"Seljord Sparebank","leverandorHref":"leverandor/bank/293","produktpakke_arsgebyr":"0","href":"bank/produktpakke/198211","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Tilflytting","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.08.2012","published":true,"modified":"13.08.2012","modifier":"live@seljordbanken.no","oppfolging":false,"id":198211},"leverandorVisningsnavn":"Seljord Sparebank","leverandorUrl":"http://www.seljordbanken.no","leverandorNavn":"Seljord Sparebank","leverandorHref":"leverandor/bank/293","produktpakkeHref":"bank/produktpakke/198211","href":"bank/boliglan/142916","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.08.2012","produktpakkeNavn":"Tilflytting","maks_alder":"100","publiserFra":"22.11.2011","published":true,"modified":"22.03.2013","modifier":"live@seljordbanken.no","oppfolging":false,"id":142916},{"navn":"75% - totalkunde","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 250","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75% - totalkunde","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Spareskillingsbankens markedsområde er Kristiansand og nærliggende kommuner. I tillegg betjener vi eksisterende kunder som\n               flytter fra sitt opprinnelige hjemsted.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"4,60","nominell_rente_1_b":"4,55","nominell_rente_1_c":"4,10","nominell_rente_1_d":"3,80","leverandor":{"bb_epost":"post@spareskillingsbanken.no","href":"leverandor/bank/373","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.spareskillingsbanken.no","bytt_bank_url":"http://www.spareskillingsbanken.no","bb_adresse1":"Postboks 216","bb_adresse2":"","bb_postnr":"4662","bb_poststed":"Kristiansand","bb_telefon":"38172600","bb_telefaks":"38172601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Spareskillingsbankens markedsområde er Kristiansand og nærliggende kommuner. I tillegg betjener vi eksisterende kunder som\n               flytter fra sitt opprinnelige hjemsted.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Spareskillingsbankens markedsområde er Kristiansand og nærliggende kommuner. I tillegg betjener vi eksisterende kunder som\n               flytter fra sitt opprinnelige hjemsted.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.spareskillingsbanken.no","url":"http://www.spareskillingsbanken.no","navn":"Spareskillingsbanken","visningsnavn":"Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","orgnr":"937894716","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":373},"produktpakke":{"navn":"Totalkunde","leverandor":{"bb_epost":"post@spareskillingsbanken.no","href":"leverandor/bank/373","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.spareskillingsbanken.no","bytt_bank_url":"http://www.spareskillingsbanken.no","bb_adresse1":"Postboks 216","bb_adresse2":"","bb_postnr":"4662","bb_poststed":"Kristiansand","bb_telefon":"38172600","bb_telefaks":"38172601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Spareskillingsbankens markedsområde er Kristiansand og nærliggende kommuner. I tillegg betjener vi eksisterende kunder som\n               flytter fra sitt opprinnelige hjemsted.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Spareskillingsbankens markedsområde er Kristiansand og nærliggende kommuner. I tillegg betjener vi eksisterende kunder som\n               flytter fra sitt opprinnelige hjemsted.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.spareskillingsbanken.no","url":"http://www.spareskillingsbanken.no","navn":"Spareskillingsbanken","visningsnavn":"Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","orgnr":"937894716","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":373},"leverandorVisningsnavn":"Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","leverandorUrl":"http://www.spareskillingsbanken.no","leverandorNavn":"Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","leverandorHref":"leverandor/bank/373","produktpakke_arsgebyr":"0","href":"bank/produktpakke/534","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Totalkunde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"03.03.2010","modifier":"kenneth.engedal@spareskillingsbanken.no","oppfolging":false,"id":534},"leverandorVisningsnavn":"Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","leverandorUrl":"http://www.spareskillingsbanken.no","leverandorNavn":"Spareskillingsbanken (Spareskillingsbanken Kristiansand S.)","leverandorHref":"leverandor/bank/373","produktpakkeHref":"bank/produktpakke/534","href":"bank/boliglan/225629","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Totalkunde","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"22.03.2013","modifier":"ses@spareskillingsbanken.no","oppfolging":false,"id":225629},{"navn":"Fleksilån - totalkunde","max_lopetid":"30","kap_periode":"1","provisjon":"0,00","etableringsgebyr":"1 250","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fleksilån - totalkunde","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Spareskillingsbankens markedsområde er Kristiansand og nærliggende kommuner. I tillegg betjener vi eksisterende kunder som\n               flytter fra sitt opprinnelige hjemsted.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Fleksilån er et låneprodukt for deg som har god sikkerhetsmargin i din boligeiendom. Fleksilån passer for deg som har god økonomi – og som ønsker fleksibilitet. Med et fleksilån gis du en rammekreditt som du kan disponere fritt innenfor lånerammen. Du velger selv hvor ofte og hvor mye du vil betale ned på lånet. Vi anbefaler at likevel at du følger en nedbetalingsplan. 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Banken var opprinnelig en bank for kommunens innbyggere, men har i dag\n               kunder over store deler av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gruesparebank.no","navn":"Grue Sparebank","visningsnavn":"Grue Sparebank","orgnr":"937886705","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":310},"produktpakke":{"navn":"Konto","leverandor":{"bb_epost":"epost@gruesparebank.no","href":"leverandor/bank/310","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 93","bb_adresse2":"","bb_postnr":"2261","bb_poststed":"Kirkenær","bb_telefon":"62949100","bb_telefaks":"62949101","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Grue Sparebank holder til på Kirkenær i Grue kommune. Banken var opprinnelig en bank for kommunens innbyggere, men har i dag\n               kunder over store deler av landet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Grue Sparebank holder til på Kirkenær i Grue kommune. Banken var opprinnelig en bank for kommunens innbyggere, men har i dag\n               kunder over store deler av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gruesparebank.no","navn":"Grue Sparebank","visningsnavn":"Grue Sparebank","orgnr":"937886705","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":310},"leverandorVisningsnavn":"Grue Sparebank","leverandorUrl":"http://www.gruesparebank.no","leverandorNavn":"Grue Sparebank","leverandorHref":"leverandor/bank/310","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189729","student":false,"spesielle_betingelser":"Opplyst termingebyr forutsetter automatisk belastning av terminbeløp (renter, avdrag og termingebyr) på konto etablert i Grue Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"19.05.2012","published":true,"modified":"19.05.2012","modifier":"brigitte","oppfolging":false,"id":189729},"leverandorVisningsnavn":"Grue Sparebank","leverandorUrl":"http://www.gruesparebank.no","leverandorNavn":"Grue Sparebank","leverandorHref":"leverandor/bank/310","produktpakkeHref":"bank/produktpakke/189729","href":"bank/boliglan/46715","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"19.05.2012","produktpakkeNavn":"Konto","maks_alder":"100","publiserFra":"22.03.2013","published":true,"modified":"22.03.2013","modifier":"hallgeir.sletten@gruesparebank.no","oppfolging":false,"id":46715},{"navn":"60%  Flytende Rente Fordel","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60%  Flytende Rente Fordel","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. Vi skreddersyr gode løsninger for våre kunder. Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"500 000","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"1 000 000","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"2 000 000","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"5,05","nominell_rente_1_b":"4,80","nominell_rente_1_c":"4,35","nominell_rente_1_d":"3,95","leverandor":{"bb_epost":"post@larvikbanken.no","href":"leverandor/bank/367","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"Sentrum","bb_postnr":"3251","bb_poststed":"Larvik","bb_telefon":"33112800","bb_telefaks":"33112801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. Vi skreddersyr gode løsninger for våre kunder. Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. Vi skreddersyr gode løsninger for våre kunder. Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.larvikbanken.no","navn":"Larvikbanken Brunlanes Sparebank","visningsnavn":"Larvikbanken Brunlanes Sparebank","orgnr":"937890729","modified":"26.03.2013","modifier":"jan.erling.kvisvik@larvikbanken.no","tilbyrSph":false,"oppfolging":false,"id":367},"produktpakke":{"navn":"Fordel","leverandor":{"bb_epost":"post@larvikbanken.no","href":"leverandor/bank/367","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"Sentrum","bb_postnr":"3251","bb_poststed":"Larvik","bb_telefon":"33112800","bb_telefaks":"33112801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. Vi skreddersyr gode løsninger for våre kunder. Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. Vi skreddersyr gode løsninger for våre kunder. Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.larvikbanken.no","navn":"Larvikbanken Brunlanes Sparebank","visningsnavn":"Larvikbanken Brunlanes Sparebank","orgnr":"937890729","modified":"26.03.2013","modifier":"jan.erling.kvisvik@larvikbanken.no","tilbyrSph":false,"oppfolging":false,"id":367},"leverandorVisningsnavn":"Larvikbanken Brunlanes Sparebank","leverandorUrl":"http://www.larvikbanken.no","leverandorNavn":"Larvikbanken Brunlanes Sparebank","leverandorHref":"leverandor/bank/367","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129164","student":false,"spesielle_betingelser":"For å oppnå og opprettholde de gunstige vilkårene, betinger dette at du samler ditt kundeforhold hos oss slik at du i tillegg til en aktivitetskapital (lån eller innskudd) på minimum kr. 50.000,- må ha følgende av våre produkter:\r\n\r\n● Brukskonto, nettbank, debetkort (VISA eller elektronkort), samt fast lønn eller pensjon inn på konto. \r\n\r\nDu må i tillegg benytte minst ett av følgende produkter:\r\n● Forsikring: Skade- eller personforsikring\r\n● Spareavtale: Fondssparing eller banksparing med minimum kr. 300,- pr. måned\r\n","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordel","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"01.02.2011","published":true,"modified":"08.02.2012","modifier":"brigitte","oppfolging":false,"id":129164},"leverandorVisningsnavn":"Larvikbanken Brunlanes Sparebank","leverandorUrl":"http://www.larvikbanken.no","leverandorNavn":"Larvikbanken Brunlanes Sparebank","leverandorHref":"leverandor/bank/367","produktpakkeHref":"bank/produktpakke/129164","href":"bank/boliglan/225779","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"01.02.2011","produktpakkeNavn":"Fordel","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"26.03.2013","modifier":"jan.erling.kvisvik@larvikbanken.no","oppfolging":false,"id":225779},{"navn":"60%  Flytende Rente ordinær","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60%  Flytende Rente ordinær","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. 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Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"500 000","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"1 000 000","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"2 000 000","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"5,35","nominell_rente_1_b":"5,10","nominell_rente_1_c":"4,65","nominell_rente_1_d":"4,25","leverandor":{"bb_epost":"post@larvikbanken.no","href":"leverandor/bank/367","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"Sentrum","bb_postnr":"3251","bb_poststed":"Larvik","bb_telefon":"33112800","bb_telefaks":"33112801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. 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Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"500 000","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"1 000 000","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"2 000 000","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"5,80","nominell_rente_1_b":"5,55","nominell_rente_1_c":"5,20","nominell_rente_1_d":"4,80","leverandor":{"bb_epost":"post@larvikbanken.no","href":"leverandor/bank/367","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"Sentrum","bb_postnr":"3251","bb_poststed":"Larvik","bb_telefon":"33112800","bb_telefaks":"33112801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. 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Vi skreddersyr gode løsninger for våre kunder. Gjennom eierskap og samarbeid med ulike finansinstitusjoner tilbyr vi finansielle løsninger tilpasset dagens krevende marked.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"500 000","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"1 000 000","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"2 000 000","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"5,15","nominell_rente_1_b":"5,00","nominell_rente_1_c":"4,60","nominell_rente_1_d":"4,20","leverandor":{"bb_epost":"post@larvikbanken.no","href":"leverandor/bank/367","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"Sentrum","bb_postnr":"3251","bb_poststed":"Larvik","bb_telefon":"33112800","bb_telefaks":"33112801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Siden 1911 har Larvikbanken vært lokalbanken hvor alle beslutninger tas lokalt. 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Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. 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For å få bankens beste betingelser på daglige banktjenester (eks. konto, kort og betalingstjenester) må du inngå avtale om et av bankens pakkeprogram; Leve, SAGA Gull, SAGA Platinum eller Student.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"15.12.2010","published":true,"modified":"24.02.2012","modifier":"brigitte","oppfolging":false,"id":124762},"leverandorVisningsnavn":"DNB Bank ASA","leverandorUrl":"https://www.dnb.no/","leverandorNavn":"DNB Bank ASA","leverandorHref":"leverandor/bank/252","produktpakkeHref":"bank/produktpakke/124762","href":"bank/boliglan/222818","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.12.2010","produktpakkeNavn":"Helkunde","maks_alder":"34","publiserFra":"08.03.2013","published":true,"modified":"08.03.2013","modifier":"utlaan@dnbnor.no","oppfolging":false,"id":222818},{"navn":"Rammelån ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Rammelån ","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til hele landet.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Oppgitte renter forutsetter helkundeforhold og lån i DNB Boligkreditt AS (heleid datterselskap i DNB Bank ASA).  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I tillegg må du ha spareavtale på kr 500,- per måned eller årlig innskudd på 20.000,-. 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Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. Vi tilbyr derfor også lån til personer fra Helgeland som for tiden bor andre steder i landet.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Helgeland Fleksibel er en avtalt, fleksibel kontokreditt som er sikret med pant i boligen din. Kreditten kan du bruke til hva du vil, og du kan bruke den når. Helgeland Fleksibel betyr større økonomisk frihet for deg som har en ryddig økonomi og god sikkerhet. Når du har behov for å bruke av kreditten overfører du bare penger til brukskontoen din via Nettbanken eller Telebanken, enkelt og greit! Fordeler med Helgeland Fleksibel: Du har penger i reserve og kan bruke dem når du har behov for det. Du slipper å søke hver gang det oppstår et lånebehov. Du betjener selv din kreditt via Nettbanken. Du bestemmer selv når og hvor mye du vil betale ned på lånet. Lånet kan om ønskelig løpe avdragsfritt i inntil 10 år. Du betaler kun renter for den delen av lånet som til enhver tid er benyttet. Helgeland Fleksibel tilbys de av våre kunder som er med i kundeprogrammet Helgeland Total, og som har boliglån med 1. prioritets pantesikkerhet hos oss. Renten på Helgeland Fleksibel er den samme som for boliglån innenfor Helgeland Total-vilkårene.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"400 000","max_belop_a":"999 999","termingebyr_1_a":"75","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"75","min_belop_c":"2 000 000","termingebyr_1_c":"75","nominell_rente_1_a":"4,80","nominell_rente_1_b":"4,40","nominell_rente_1_c":"4,05","leverandor":{"bb_epost":"kundeservice@hsb.no","href":"leverandor/bank/441","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Att.: Kundeservice","bb_adresse2":"Strandgata 31","bb_postnr":"8654","bb_poststed":"Mosjøen","bb_telefon":"75 11 90 00","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. Vi tilbyr derfor også lån til personer fra Helgeland som for tiden bor andre steder i landet.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene også ut av regionen.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.hsb.no","navn":"Helgeland Sparebank","visningsnavn":"Helgeland Sparebank","orgnr":"937904029","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":441},"produktpakke":{"navn":"Helgeland Total","leverandor":{"bb_epost":"kundeservice@hsb.no","href":"leverandor/bank/441","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Att.: Kundeservice","bb_adresse2":"Strandgata 31","bb_postnr":"8654","bb_poststed":"Mosjøen","bb_telefon":"75 11 90 00","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene ut av regionen, og tilbyr lån til disse på samme vilkår som om de hadde bodd innenfor primærområdet. Vi tilbyr derfor også lån til personer fra Helgeland som for tiden bor andre steder i landet.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Helgeland Sparebank har regionen Helgeland som sitt primære markedsområde. Banken følger imidlertid kundene også ut av regionen.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.hsb.no","navn":"Helgeland Sparebank","visningsnavn":"Helgeland Sparebank","orgnr":"937904029","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":441},"leverandorVisningsnavn":"Helgeland Sparebank","leverandorUrl":"https://www.hsb.no","leverandorNavn":"Helgeland Sparebank","leverandorHref":"leverandor/bank/441","produktpakke_arsgebyr":"0","href":"bank/produktpakke/568","student":false,"spesielle_betingelser":"Helgeland Total er et kundeprogram med ekstrafordeler for våre beste kunder over 18 år. Med Helgeland Total får du fri bruk av alle våre dagligbanktjenester, uten å betale fast månedsavgift. Med Helgeland Total får du disse fordelene: gratis bruk av våre minibanker – hele døgnet, gratis varekjøp med kort i Norge og i utlandet – også ved handel på Internett, gratis kontantuttak i butikker i Norge i forbindelse med varekjøp, gratis bruk av Nettbank og Telebank (ikke utenlandsbetaling), gratis bruk av eFaktura og Avtalegiro, gratis bruk av SMS-Bank. Du betaler kun årsavgift på ditt Visa Personkort. Du må inngå en egen avtale med oss om Helgeland Total. Med Helgeland Total vil du få all informasjon fra banken elektronisk til postkassen i Nettbanken. I tillegg til fri bruk av bankens betalingstjenester får du også rimeligere bolig- og bilfinansiering hos oss, samt redusert tilretteleggingsgebyr hos Eiendomsmegleren Helgeland ved salg av bolig. Du kan også få vårt gebyrfrie kredittkort, Helgeland Gull. Helgeland Gull har ingen etableringsgebyr eller årsavgift, og det er heller ingen gebyr på varekjøp med kortet. Du får inntil 45 dagers rentefri betalingsutsettelse, og reise- og avbestillingsforsikring er inkludert dersom du betaler minst 50 % av reisen med Helgeland Gull. Er du 30 år eller eldre må du i tillegg oppfylle ett av følgende krav: ha et samlet låneengasjement hos oss på over 250.000 kroner, ha innskudd hos oss på minst 50.000 kroner til sammen, ha skade- eller personforsikring hos oss, ha BSU-konto hos oss. Er du ektefelle til eller samboer med en kunde som oppfyller punkt 1, 2 eller 3, kan du også bli medlem i Helgeland Total.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helgeland Total","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"250 000","min_sparing":"50 000","publiserFra":"06.12.2007","published":true,"modified":"08.02.2012","modifier":"brigitte","oppfolging":false,"id":568},"leverandorVisningsnavn":"Helgeland Sparebank","leverandorUrl":"https://www.hsb.no","leverandorNavn":"Helgeland Sparebank","leverandorHref":"leverandor/bank/441","produktpakkeHref":"bank/produktpakke/568","href":"bank/boliglan/46113","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"06.12.2007","produktpakkeNavn":"Helgeland Total","maks_alder":"100","publiserFra":"19.03.2013","published":true,"modified":"19.03.2013","modifier":"ole.jorgen.skaalbones@hsb.no","oppfolging":false,"id":46113},{"navn":"65% - fast til 2018. 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Du får også magasinet Hus&Bolig med mye nyttig stoff.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"999 999","termingebyr_1_a":"0","min_belop_b":"1 000 000","termingebyr_1_b":"0","nominell_rente_1_a":"4,30","nominell_rente_1_b":"4,20","leverandor":{"bb_epost":"post@eiendomskreditt.no","href":"leverandor/bank/284","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.eiendomskreditt.no","bytt_bank_url":"http://www.eiendomskreditt.no","bb_adresse1":"Postboks 143","bb_adresse2":"Øvre Ervik","bb_postnr":"5876","bb_poststed":"Bergen","bb_telefon":"55332700","bb_telefaks":"55332701","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr lån over hele landet mot tilfredsstillende pant.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":false,"tilbyr_banksparing":false,"tilbyr_kredittkort":false,"kontakt_oss_url":"http://www.eiendomskreditt.no","url":"http://www.eiendomskreditt.no","navn":"Eiendomskreditt AS","visningsnavn":"Eiendomskreditt AS","orgnr":"979391285","modified":"14.02.2012","modifier":"rannveig.botnen@eiendomskreditt.no","tilbyrSph":false,"oppfolging":false,"id":284},"leverandorVisningsnavn":"Eiendomskreditt AS","leverandorUrl":"http://www.eiendomskreditt.no","leverandorNavn":"Eiendomskreditt AS","leverandorHref":"leverandor/bank/284","produktpakkeHref":"","href":"bank/boliglan/47029","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"rannveig.botnen@eiendomskreditt.no","oppfolging":false,"id":47029},{"navn":"Litt Extra","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 600","renteberegning":"etterskudd","max_belaningsgrad":"50","trapp_type":"hele","produktnavn":"Litt Extra","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er Oslo/Akershus.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"LittExtra er en unik avtale for boligeiere over 60 år. Du frigjør en del av sparekapitalen som du har bundet i boligen, samtidig som du er sikret å kunne bo i boligen resten av livet. LittExtra: Tilbys boligeiere over 60 år uavhengig av inntekt. Et lån med pant i boligen pluss livsvarig rett til å bo i boligen. Kan utbetales som et større beløp, eller som en årlig sum. Eller som en kombinasjon. Du betaler ikke renter eller avdrag. Lånet forfaller først ved permanent overgang til sykehjem eller død. Du beholder eierskapet til boligen. En verdistigning tilfaller deg eller dine arvinger. Du kan når som helst avslutte låneforholdet. Arvingene kan overta boligen ved å gjøre opp lånet. Hvis boligens verdi er lavere enn lånet ved forfall, er det banken som må dekke tapet. Renten på lånet er flytende og til enhver tid noe høyere enn renten på beste boliglån. Du kan hvert år trekke fra forfalte renteutgifter i selvangivelsen (selv om du ikke betaler dem) og få en ekstra skattefordel. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"5,35","leverandor":{"bb_epost":"lillestrombanken@lillestrombanken.no","href":"leverandor/bank/325","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb 143","bb_adresse2":"","bb_postnr":"2001","bb_poststed":"Lillestrøm","bb_telefon":"63804200","bb_telefaks":"63804201","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er Oslo/Akershus.","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er Oslo/Akershus.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.lillestrombanken.no","navn":"LillestrømBanken","visningsnavn":"LillestrømBanken (Lillestrøm Sparebank)","orgnr":"937885911","modified":"22.04.2013","modifier":"js@lillestrombanken.no","tilbyrSph":false,"oppfolging":false,"id":325},"leverandorVisningsnavn":"LillestrømBanken (Lillestrøm Sparebank)","leverandorUrl":"http://www.lillestrombanken.no","leverandorNavn":"LillestrømBanken (Lillestrøm Sparebank)","leverandorHref":"leverandor/bank/325","produktpakkeHref":"","href":"bank/boliglan/221603","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"60","produktpakkeNavn":"Ingen","maks_alder":"95","publiserFra":"25.03.2013","published":true,"modified":"27.03.2013","modifier":"js@lillestrombanken.no","oppfolging":false,"id":221603},{"navn":"Byggelån Bolig","max_lopetid":"1","kap_periode":"3","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Byggelån Bolig","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Flekkefjord Sparebank gir lån til kunder bosatt i eller med tilknytning til kommuner innenfor bankens primære markedsområde\n               som består av Flekkefjord og de omkringliggende kommuner Lund, Sokndal, Kvinesdal, Hægebostad, Farsund og Lyngdal.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Rente fra avhengig av egenkapital. I tillegg kommer provisjon på 0,25% p.a. av bevilget ramme.               Forbehold om lokal tilknytning.\r\nLøpetid: Avtales i det enkelte tilfelle.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"5,75","leverandor":{"bb_epost":"mail@flekkefjordsparebank.no","href":"leverandor/bank/316","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Brogaten 18","bb_adresse2":"Postboks 204","bb_postnr":"4401","bb_poststed":"Flekkefjord","bb_telefon":"03832 / +47 38 32 00 00","bb_telefaks":"+ 47 38 32 00 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Flekkefjord Sparebank gir lån til kunder bosatt i eller med tilknytning til kommuner innenfor bankens primære markedsområde\n               som består av Flekkefjord og de omkringliggende kommuner Lund, Sokndal, Kvinesdal, Hægebostad, Farsund og Lyngdal.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Flekkefjord Sparebank har Flekkefjord og de omkringliggende kommuner Lund, Sokndal, Kvinesdal, Hægebostad, Farsund og Lyngdal\n               som markedsområde.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.flekkefjordsparebank.no","navn":"Flekkefjord Sparebank","visningsnavn":"Flekkefjord Sparebank","orgnr":"937894627","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":316},"leverandorVisningsnavn":"Flekkefjord Sparebank","leverandorUrl":"http://www.flekkefjordsparebank.no","leverandorNavn":"Flekkefjord 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","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Forutsetter i utgangspunktet tidligere BSU-konto eller annen sparekonto i banken og forsikringer i Frende Forsikring.\r\nForbehold om lokal tilknytning.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"mail@flekkefjordsparebank.no","href":"leverandor/bank/316","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Brogaten 18","bb_adresse2":"Postboks 204","bb_postnr":"4401","bb_poststed":"Flekkefjord","bb_telefon":"03832 / +47 38 32 00 00","bb_telefaks":"+ 47 38 32 00 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Flekkefjord Sparebank gir lån til kunder bosatt i eller med tilknytning til kommuner innenfor 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","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.flekkefjordsparebank.no","navn":"Flekkefjord Sparebank","visningsnavn":"Flekkefjord Sparebank","orgnr":"937894627","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":316},"leverandorVisningsnavn":"Flekkefjord Sparebank","leverandorUrl":"http://www.flekkefjordsparebank.no","leverandorNavn":"Flekkefjord Sparebank","leverandorHref":"leverandor/bank/316","produktpakke_arsgebyr":"0","href":"bank/produktpakke/153040","student":false,"spesielle_betingelser":"Tilbud om Ungdomslån forutsetter at du er under 34 år, gjennom Flekkefjord Sparebank har eller åpner lønnskonto, nettbank, kort, BSU-konto eller annen sparekonto med minimum kr 30.000,-, samt at du selv kan stille med 15 % egenkapital ved kjøp av bolig.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU eller 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Dine lån og innskudd i Landkreditt Bank må tilsammen utgjøre kr.1.000.000,-.  ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Landkreditt hovedbank","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.05.2011","published":true,"modified":"30.11.2012","modifier":"hanne.guttormsen@landkredittbank.no","oppfolging":false,"id":138665},"leverandorVisningsnavn":"Landkreditt Bank AS","leverandorUrl":"http://www.landkredittbank.no","leverandorNavn":"Landkreditt Bank AS","leverandorHref":"leverandor/bank/431","produktpakkeHref":"bank/produktpakke/138665","href":"bank/boliglan/49587","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.05.2011","produktpakkeNavn":"Landkreditt hovedbank","maks_alder":"100","publiserFra":"30.08.2011","publiserTil":"31.12.2099","published":true,"modified":"18.04.2013","modifier":"hanne.guttormsen@landkredittbank.no","oppfolging":false,"id":49587},{"navn":"Boliglån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr lån med pant i fast eiendom til kunder over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"kr. 0,- i depotgebyr for lån fra 1 million. Termingebyr kr 0,- forutsetter belastning av termingebyr på konto uten oppgave.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"0","min_belop_b":"1 000 000","termingebyr_1_b":"0","termingebyr_1_c":"0","nominell_rente_1_a":"4,15","nominell_rente_1_b":"3,85","leverandor":{"bb_epost":"kundeservice.pm@landkredittbank.no","href":"leverandor/bank/431","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Karl Johans gate 45","bb_adresse2":"Postboks 1824 Vika","bb_postnr":"0123","bb_poststed":"Oslo","bb_telefon":"23 00 08 00","bb_telefaks":"23 00 08 47","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr lån med pant i fast eiendom til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.landkredittbank.no","navn":"Landkreditt Bank AS","visningsnavn":"Landkreditt Bank AS","orgnr":"980374181","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":431},"produktpakke":{"navn":"Landkreditt hovedbank","leverandor":{"bb_epost":"kundeservice.pm@landkredittbank.no","href":"leverandor/bank/431","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Karl Johans gate 45","bb_adresse2":"Postboks 1824 Vika","bb_postnr":"0123","bb_poststed":"Oslo","bb_telefon":"23 00 08 00","bb_telefaks":"23 00 08 47","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr lån med pant i fast eiendom til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.landkredittbank.no","navn":"Landkreditt Bank AS","visningsnavn":"Landkreditt Bank AS","orgnr":"980374181","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":431},"leverandorVisningsnavn":"Landkreditt Bank AS","leverandorUrl":"http://www.landkredittbank.no","leverandorNavn":"Landkreditt Bank AS","leverandorHref":"leverandor/bank/431","produktpakke_arsgebyr":"0","href":"bank/produktpakke/138665","student":false,"spesielle_betingelser":"For å få bankens beste utlånsbetingelser må du; Bruke Landkreditt Bank AS aktivt som hovedbank med lønnskonto/brukskonto, nettbank, debet- og kredittkort. Dine lån og innskudd i Landkreditt Bank må tilsammen utgjøre kr.1.000.000,-.  ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Landkreditt hovedbank","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.05.2011","published":true,"modified":"30.11.2012","modifier":"hanne.guttormsen@landkredittbank.no","oppfolging":false,"id":138665},"leverandorVisningsnavn":"Landkreditt Bank AS","leverandorUrl":"http://www.landkredittbank.no","leverandorNavn":"Landkreditt Bank AS","leverandorHref":"leverandor/bank/431","produktpakkeHref":"bank/produktpakke/138665","href":"bank/boliglan/49591","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.05.2011","produktpakkeNavn":"Landkreditt hovedbank","maks_alder":"100","publiserFra":"30.08.2011","publiserTil":"31.12.2099","published":true,"modified":"18.04.2013","modifier":"hanne.guttormsen@landkredittbank.no","oppfolging":false,"id":49591},{"navn":"BSU lån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"800","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"BSU lån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Må ha BSU konto. Hos oss kan du få lån uten krav til egenkapital og/eller kausjonist, forutsatt at du har særdeles god betalingsevne, og at boligen ligger i et område hvor omsetteligheten på boliger er god. Har du BSU-konto i banken får du 85 prosent av lånet til bankens beste pris.\r\n\r\nLån forutsetter etablering av kundeforhold, åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. Endelige rentebetingelser er avhengig av kundeforhold, økonomisk betjeningsevne, sikkerhet og lånets størrelse.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"30","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"30","min_belop_c":"2 000 000","termingebyr_1_c":"30","nominell_rente_1_a":"4,35","nominell_rente_1_b":"3,85","nominell_rente_1_c":"3,55","leverandor":{"bb_epost":"bankpost@s1g.no","href":"leverandor/bank/378","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nedregt.69","bb_adresse2":"","bb_postnr":"2640","bb_poststed":"Vinstra","bb_telefon":"61218000","bb_telefaks":"61218001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gudbrandsdal.sparebank1.no","navn":"SpareBank 1 Gudbrandsdal","visningsnavn":"SpareBank 1 Gudbrandsdal","orgnr":"937888104","modified":"26.03.2012","modifier":"test@finansportalen.no","tilbyrSph":false,"oppfolging":false,"id":378},"produktpakke":{"navn":"BSU-sparing","leverandor":{"bb_epost":"bankpost@s1g.no","href":"leverandor/bank/378","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Nedregt.69","bb_adresse2":"","bb_postnr":"2640","bb_poststed":"Vinstra","bb_telefon":"61218000","bb_telefaks":"61218001","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Gudbrandsdal har hovedkontor på Vinstra. I tillegg har banken avdelingskontorer på Sør-Fron, Ringebu, Lillehammer\n               og Otta.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.gudbrandsdal.sparebank1.no","navn":"SpareBank 1 Gudbrandsdal","visningsnavn":"SpareBank 1 Gudbrandsdal","orgnr":"937888104","modified":"26.03.2012","modifier":"test@finansportalen.no","tilbyrSph":false,"oppfolging":false,"id":378},"leverandorVisningsnavn":"SpareBank 1 Gudbrandsdal","leverandorUrl":"http://www.gudbrandsdal.sparebank1.no","leverandorNavn":"SpareBank 1 Gudbrandsdal","leverandorHref":"leverandor/bank/378","produktpakke_arsgebyr":"0","href":"bank/produktpakke/156941","student":false,"spesielle_betingelser":"Hos oss kan du få lån uten krav til egenkapital og/eller kausjonist, forutsatt at du har særdeles god betalingsevne, og at boligen ligger i et område hvor omsetteligheten på boliger er god. Har du BSU-konto i banken får du 90 prosent av lånet til bankens beste pris.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU-sparing","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"14.10.2011","published":true,"modified":"14.10.2011","modifier":"brigitte","oppfolging":false,"id":156941},"leverandorVisningsnavn":"SpareBank 1 Gudbrandsdal","leverandorUrl":"http://www.gudbrandsdal.sparebank1.no","leverandorNavn":"SpareBank 1 Gudbrandsdal","leverandorHref":"leverandor/bank/378","produktpakkeHref":"bank/produktpakke/156941","href":"bank/boliglan/46333","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.10.2011","produktpakkeNavn":"BSU-sparing","maks_alder":"34","publiserFra":"15.05.2013","published":true,"modified":"03.06.2013","modifier":"ts@spb1gdal.no","oppfolging":false,"id":46333},{"navn":"LittExtra","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 250","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"50","trapp_type":"hele","produktnavn":"LittExtra","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bankens hovedmarkedsområde er Asker og Bærum og Oslo Vest, men vi har kunder over hele landet og tilbyr lån og kundeforhold til kunder over hele landet.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Her er fordelene med seniorlånet LittExtra: Du får et lån med pant i boligen. Du velger selv om du vil ha lånet utbetalt som en engangssum, som månedlig tillegg til pensjon, eller som en kombinasjon. Du betaler verken renter eller avdrag på lånet så lenge du bor i boligen. Rentene legges til lånet månedlig og skal ikke tilbakebetales før ved flytting eller død. Selv om du ikke betaler renter løpende, kan du hvert år trekke fra påløpte renter i selvangivelsen og få en ekstra skattefordel. Du beholder eierskapet til boligen. Hvis boligens verdi er lavere enn lånet ved forfall dekker Fornebubanken tapet. Lånet kan avsluttes når som helst. Arvingene kan overta boligen ved forfall. LittExtra kan ikke kombineres med annen gjeld som er sikret i boligen. Boligen bør være ubelånt eller tilnærmet gjeldfri. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"5,05","leverandor":{"bb_epost":"kundeservice@fornebubanken.no","href":"leverandor/bank/315","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Widerøeveien 5","bb_adresse2":"Postboks 53","bb_postnr":"1335","bb_poststed":"Snarøya","bb_telefon":"40002265","bb_telefaks":"40007965","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bankens hovedmarkedsområde er Asker og Bærum og Oslo Vest, men vi har kunder over hele landet og tilbyr lån og kundeforhold til kunder over hele landet.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankens hovedmarkedsområde er Asker og Bærum og Oslo Vest, men vi har kunder over hele landet og tilbyr lån og kundeforhold til kunder over hele landet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.fornebubanken.no","navn":"Fornebu Sparebank","visningsnavn":"Fornebu Sparebank","orgnr":"985750378","modified":"20.07.2012","modifier":"knutare@broadpark.no","tilbyrSph":false,"oppfolging":false,"id":315},"leverandorVisningsnavn":"Fornebu Sparebank","leverandorUrl":"http://www.fornebubanken.no","leverandorNavn":"Fornebu Sparebank","leverandorHref":"leverandor/bank/315","produktpakkeHref":"","href":"bank/boliglan/221596","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"60","produktpakkeNavn":"Ingen","maks_alder":"95","publiserFra":"28.02.2013","published":true,"modified":"28.02.2013","modifier":"brigitte","oppfolging":false,"id":221596},{"navn":"Boliglån 75 % ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75 % ","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Oppgitte renter forutsetter helkundeforhold og lån i DNB Boligkreditt AS (heleid datterselskap i DNB Bank ASA) . Som helkunde med lån i DNB Boligkreditt får du vår aller beste rente på boliglånet når du: Bruker oss aktivt som hovedbank med lønnskonto, nettbank og kort. Har en fast spareavtale i banken med minimum kr 500 per måned eller har et gjennomsnittlig oppspart beløp på minst kr 20.000. \r\n\r\nDersom søknaden er spesielt arbeidskrevende kan etableringsgebyret unntaksvis økes til kr 5000.. \r\nLån over 10 millioner prises etter avtale.\r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"50","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"50","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"50","min_belop_d":"2 000 000","termingebyr_1_d":"50","nominell_rente_1_a":"4,40","nominell_rente_1_b":"4,40","nominell_rente_1_c":"4,10","nominell_rente_1_d":"3,80","leverandor":{"bb_epost":"soknad@dnb.no","href":"leverandor/bank/252","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"0021","bb_poststed":"Oslo","bb_telefon":"04800","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.dnb.no/","navn":"DnB Bank ASA","visningsnavn":"DNB Bank ASA","orgnr":"984851006","modified":"03.06.2013","modifier":"brigitte","tilbyrSph":true,"oppfolging":false,"id":252},"produktpakke":{"navn":"Helkunde","leverandor":{"bb_epost":"soknad@dnb.no","href":"leverandor/bank/252","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"0021","bb_poststed":"Oslo","bb_telefon":"04800","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.dnb.no/","navn":"DnB Bank ASA","visningsnavn":"DNB Bank ASA","orgnr":"984851006","modified":"03.06.2013","modifier":"brigitte","tilbyrSph":true,"oppfolging":false,"id":252},"leverandorVisningsnavn":"DNB Bank ASA","leverandorUrl":"https://www.dnb.no/","leverandorNavn":"DNB Bank ASA","leverandorHref":"leverandor/bank/252","produktpakke_arsgebyr":"0","href":"bank/produktpakke/124762","student":false,"spesielle_betingelser":"For å få lån til bolig gjennom banken må du bruke banken aktivt som hovedbank med lønnskonto, nettbank og kort. I tillegg må du ha spareavtale på kr 500,- per måned eller årlig innskudd på 20.000,-. For å få bankens beste betingelser på daglige banktjenester (eks. konto, kort og betalingstjenester) må du inngå avtale om et av bankens pakkeprogram; Leve, SAGA Gull, SAGA Platinum eller Student.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"15.12.2010","published":true,"modified":"24.02.2012","modifier":"brigitte","oppfolging":false,"id":124762},"leverandorVisningsnavn":"DNB Bank ASA","leverandorUrl":"https://www.dnb.no/","leverandorNavn":"DNB Bank ASA","leverandorHref":"leverandor/bank/252","produktpakkeHref":"bank/produktpakke/124762","href":"bank/boliglan/222816","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"15.12.2010","produktpakkeNavn":"Helkunde","maks_alder":"130","publiserFra":"08.03.2013","published":true,"modified":"08.03.2013","modifier":"utlaan@dnbnor.no","oppfolging":false,"id":222816},{"navn":"Litt Extra Seniorlån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"50","trapp_type":"hele","produktnavn":"Litt Extra Seniorlån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Hva er Litt Extra: Du får et lån med pant i boligen. Du kan få lånet utbetalt som et engangsbeløp, månedlige utbetaliger eller en kombinasjon av disse. Du betaler ikke renter eller avdrag så lenge du bor i boligen. Rentene legges til lånet månedlig, lånet tilbakebetales ved flytting eller død. Du beholder eierskapet til boligen. Hvis boligens verdi er lavere enn lånet ved forfall, dekker Jernbanepersonalets Sparebank dette tapet. Du kan når som helst avslutte låneforholdet. Arvingene kan overta boligen ved forfall. Du kan hvert år trekke fra påløpte renteutgifter i selvangivelsen og få en ekstra skattefordel. LittExtra kan ikke kombineres med annen gjeld som hefter i boligen. Hvor mye du kan låne avhenger av boligeiernes alder, boligens verdi og beliggenhet. Prøv vår LittExtra-kalkulator fra menyen til venstre for å se hvilke muligheter du har.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"5,35","leverandor":{"bb_epost":"js@js.no","href":"leverandor/bank/330","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","bytt_bank_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","bb_adresse1":"Postboks 235","bb_adresse2":"Sentrum","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"81559115","bb_telefaks":"24102701","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Jbf - Jernbanepersonalets Bank og Forsikring er et finanskonsern bestående av Jernbanepersonalets Sparebank og Jernbanepersonalets Forsikring Gjensidig.\r\nJbf er en totalleverandør av privatfinansielle banktjenester og\r\nforsikringsprodukter for alle ansatte og pensjonister i jernbanerelaterte\r\nvirksomheter, deres barn og barnebarn.\r\nJbf har 8 kontorer spredt over hele landet. 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Vi har mange autoriserte\r\nrådgivere som jobber sammen for å gi deg de beste løsningene.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www1.portalbank.no/1440/Sider/forside.aspx","url":"https://www.jbf.no/","navn":"Jernbanepersonalets Sparebank","visningsnavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","orgnr":"982719445","modified":"14.11.2012","modifier":"ingrid.bronken.hauge@js.no","tilbyrSph":false,"oppfolging":false,"id":330},"leverandorVisningsnavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","leverandorUrl":"https://www.jbf.no/","leverandorNavn":"Jernbanepersonalets Bank og Forsikring (Jernbanepersonalets Sparebank)","leverandorHref":"leverandor/bank/330","produktpakkeHref":"","href":"bank/boliglan/221598","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"60","produktpakkeNavn":"Ingen","maks_alder":"95","publiserFra":"25.03.2013","published":true,"modified":"22.03.2013","modifier":"ingrid.bronken.hauge@js.no","oppfolging":false,"id":221598},{"navn":"Førstehjemslån","max_lopetid":"25","kap_periode":"1","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr lån med pant i fast eiendom til kunder over hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Gjelder inntil 80% finansiering. Belåning utover 80% prises individuelt. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"8 000 000","termingebyr_1_a":"0","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"kundeservice.pm@landkredittbank.no","href":"leverandor/bank/431","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Karl Johans gate 45","bb_adresse2":"Postboks 1824 Vika","bb_postnr":"0123","bb_poststed":"Oslo","bb_telefon":"23 00 08 00","bb_telefaks":"23 00 08 47","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr lån med pant i fast eiendom til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.landkredittbank.no","navn":"Landkreditt Bank AS","visningsnavn":"Landkreditt Bank AS","orgnr":"980374181","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":431},"produktpakke":{"navn":"Landkreditt hovedbank","leverandor":{"bb_epost":"kundeservice.pm@landkredittbank.no","href":"leverandor/bank/431","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Karl Johans gate 45","bb_adresse2":"Postboks 1824 Vika","bb_postnr":"0123","bb_poststed":"Oslo","bb_telefon":"23 00 08 00","bb_telefaks":"23 00 08 47","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr lån med pant i fast eiendom til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank tjenester over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.landkredittbank.no","navn":"Landkreditt Bank AS","visningsnavn":"Landkreditt Bank AS","orgnr":"980374181","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":431},"leverandorVisningsnavn":"Landkreditt Bank AS","leverandorUrl":"http://www.landkredittbank.no","leverandorNavn":"Landkreditt Bank AS","leverandorHref":"leverandor/bank/431","produktpakke_arsgebyr":"0","href":"bank/produktpakke/138665","student":false,"spesielle_betingelser":"For å få bankens beste utlånsbetingelser må du; Bruke Landkreditt Bank AS aktivt som hovedbank med lønnskonto/brukskonto, nettbank, debet- og kredittkort. Dine lån og innskudd i Landkreditt Bank må tilsammen utgjøre kr.1.000.000,-.  ","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Landkreditt hovedbank","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.05.2011","published":true,"modified":"30.11.2012","modifier":"hanne.guttormsen@landkredittbank.no","oppfolging":false,"id":138665},"leverandorVisningsnavn":"Landkreditt Bank AS","leverandorUrl":"http://www.landkredittbank.no","leverandorNavn":"Landkreditt Bank AS","leverandorHref":"leverandor/bank/431","produktpakkeHref":"bank/produktpakke/138665","href":"bank/boliglan/229379","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.05.2011","produktpakkeNavn":"Landkreditt hovedbank","maks_alder":"100","publiserFra":"18.04.2013","published":true,"modified":"18.04.2013","modifier":"hanne.guttormsen@landkredittbank.no","oppfolging":false,"id":229379},{"navn":"Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boligkreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bankens hovedmarkedsområder er: \r\nÅjord med tilliggende kommuner Roan og Osen for både privat- og bedriftskunder, samt Trondheim for privatkunder og små, lønnsomme bedriftskunder.\r\n","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Vi tilbyr alle typer lån. Ingen kunder er i samme situasjon. Vi behandler hver lånesøknad individuelt og tilpasser låneavtalen til kundens forutsetninger og behov. Renten fastsettes i forbindelse med kredittgivningen. Renten oppgitt er fra-renter og fastsettes og beregnes etter individuell kredittvurdering av din betjeningsevne og –vilje og den sikkerheten du kan tilby for lånet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"0","min_belop_b":"2 000 000","termingebyr_1_b":"0","nominell_rente_1_a":"4,30","nominell_rente_1_b":"4,00","leverandor":{"bb_epost":"firmapost@afjord-sparebank.no","href":"leverandor/bank/269","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Stordalsvegen 1","bb_adresse2":"","bb_postnr":"7170","bb_poststed":"Åfjord","bb_telefon":"72 53 07 00","bb_telefaks":"72 53 17 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bankens hovedmarkedsområder er: \r\nÅjord med tilliggende kommuner Roan og Osen for både privat- og bedriftskunder, samt Trondheim for privatkunder og små, lønnsomme bedriftskunder.\r\n","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankes hovedmarkedsområder er:\r\nÅfjord med tilliggende kommuner Roan og Osen for både privat- og bedriftskunder, samt Trondheim for privatkunder og små, lønnsomme bedriftskunder.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.afjord-sparebank.no","navn":"Åfjord Sparebank","visningsnavn":"Åfjord Sparebank","orgnr":"937902441","modified":"15.05.2013","modifier":"mfh@afjord-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":269},"produktpakke":{"navn":"Helkunde","leverandor":{"bb_epost":"firmapost@afjord-sparebank.no","href":"leverandor/bank/269","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Stordalsvegen 1","bb_adresse2":"","bb_postnr":"7170","bb_poststed":"Åfjord","bb_telefon":"72 53 07 00","bb_telefaks":"72 53 17 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bankens hovedmarkedsområder er: \r\nÅjord med tilliggende kommuner Roan og Osen for både privat- og bedriftskunder, samt Trondheim for privatkunder og små, lønnsomme bedriftskunder.\r\n","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankes hovedmarkedsområder er:\r\nÅfjord med tilliggende kommuner Roan og Osen for både privat- og bedriftskunder, samt Trondheim for privatkunder og små, lønnsomme bedriftskunder.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.afjord-sparebank.no","navn":"Åfjord Sparebank","visningsnavn":"Åfjord Sparebank","orgnr":"937902441","modified":"15.05.2013","modifier":"mfh@afjord-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":269},"leverandorVisningsnavn":"Åfjord Sparebank","leverandorUrl":"http://www.afjord-sparebank.no","leverandorNavn":"Åfjord Sparebank","leverandorHref":"leverandor/bank/269","produktpakke_arsgebyr":"0","href":"bank/produktpakke/185461","student":false,"spesielle_betingelser":"Samle alle banktjenester i Åfjord Sparebank. Gjennomgang av person- og skadeforsikring. Gjennomgang av kortbehov.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"100","publiserFra":"23.04.2012","published":true,"modified":"30.04.2013","modifier":"brigitte","oppfolging":false,"id":185461},"leverandorVisningsnavn":"Åfjord Sparebank","leverandorUrl":"http://www.afjord-sparebank.no","leverandorNavn":"Åfjord Sparebank","leverandorHref":"leverandor/bank/269","produktpakkeHref":"bank/produktpakke/185461","href":"bank/boliglan/185483","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.04.2012","produktpakkeNavn":"Helkunde","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"14.05.2013","modifier":"brigitte","oppfolging":false,"id":185483},{"navn":"Flexikreditt 60 %","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexikreditt 60 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nettbanken DinBANK.no tilbyr lån med pant i fast eiendom over hele landet.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"20","rentebinding_ar":"0","forbehold":"Med flexikreditt kan du få en total låneramme på inntil 60 % av verdien på boligen din. Vi krever pant i fast eiendom i enebolig eller selveierleilighet. Vi forutsetter 1. prioritets pant i bolig og tar forbehold om godkjennelse av panteobjektet. Det tas ikke pant i: Fritidsbolig, tomt, borettslagsleilighet, småbruk eller landbrukseiendommer, aksje- og obligasjonsleiligheter eller utleiebolig. Realkausjon godtas ikke. Øvre beløpsgrense for flexikreditt i DinBANK.no er kr 4 mill. 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I Norge har SEB ca. 500 ansatte, og består av: SEB Enskilda, som er det største meglerhuset på Oslo Børs og rangert av kundene som det ledende meglerhuset i det profesjonelle markedet. Private Banking, som tilbyr alt fra økonomisk forvaltning til rådgivning for personer med formue eller en kompleks privatøkonomi. SEB Kort, som er en av Nordens største utstedere av betalings- og kredittkort. I Norge tilbyr SEB Kort ca 850.000 betalings- og kredittkort gjennom nettverkene Diners Club og Eurocard/MasterCard i privat- og bedriftsmarkedet. Merchant Banking, som betjener store og mellomstore bedrifter og institusjoner. SEB har et betydelig internasjonalt nettverk og er spesielt anerkjent for sine løsninger innen Cash Management og Verdipapirservice.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.seb.no","url":"http://www.seb.no","navn":"Skandinaviska Enskilda Banken AB","visningsnavn":"Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","orgnr":"971049944","modified":"07.01.2013","modifier":"henrik.dokmo@seb.no","tilbyrSph":false,"oppfolging":false,"id":279},"leverandorVisningsnavn":"Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","leverandorUrl":"http://www.seb.no","leverandorNavn":"Skandinaviska Enskilda Banken AB (Publ.) 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Boliglån UNG tilbys også med fastrente innenfor 85% av markedsverdi.\r\n\r\nFor å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. Du vil bli varslet om endringen. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"produktpakke":{"navn":"Fordel Pluss","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakke_arsgebyr":"0","href":"bank/produktpakke/854","student":false,"spesielle_betingelser":"Som Fordel Pluss-kunde forutsettes det at; du har en aktiv personkonto og et ryddig kundeforhold, er under 65 år, benytter minst 5 produkter fra Nordeas produktmeny, samt at summen av dine lån, innskudd og plasseringer utgjør minst kr 250.000,-.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordel Pluss","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"250 000","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"20.01.2012","modifier":"brigitte","oppfolging":false,"id":854},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakkeHref":"bank/produktpakke/854","href":"bank/boliglan/224699","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Fordel Pluss","maks_alder":"34","publiserFra":"14.03.2013","published":true,"modified":"13.03.2013","modifier":"lars-kristian.fladby@nordea.no","oppfolging":false,"id":224699},{"navn":"Boliglån UNG med Fordel","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån UNG med Fordel","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nordea Bank Norge tilbyr boliglån til hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Tilbys kunder f.o.m 18 år og t.o.m 33 år. 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Boliglån UNG tilbys også med fastrente innenfor 85% av markedsverdi.\r\n\r\nFor å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. Du vil bli varslet om endringen. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,15","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"produktpakke":{"navn":"Fordel","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakke_arsgebyr":"0","href":"bank/produktpakke/856","student":false,"spesielle_betingelser":"Som Fordel-kunde forutsettes det at; du har en aktiv personkonto og et ryddig kundeforhold, er under 65 år og benytter minst 3 produkter fra Nordeas produktmeny, samt at summen av dine lån, innskudd og plasseringer utgjør minst kr 50.000,-.","pensjonist":false,"min_alder":"18","maks_alder":"65","produktpakke_navn":"Fordel","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"20.01.2012","modifier":"brigitte","oppfolging":false,"id":856},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakkeHref":"bank/produktpakke/856","href":"bank/boliglan/224701","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Fordel","maks_alder":"34","publiserFra":"14.03.2013","published":true,"modified":"13.03.2013","modifier":"lars-kristian.fladby@nordea.no","oppfolging":false,"id":224701},{"navn":"Boliglån UNG med Basis","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån UNG med Basis","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nordea Bank Norge tilbyr boliglån til hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Tilbys kunder f.o.m 18 år og t.o.m 33 år. For å oppnå bankens beste rente forutsettes Fordel Pluss i vårt Fordelsprogram. Kunden kan refinansiere så mange ganger det er ønskelig og beholde Boliglån UNG renten, så lenge kunden er under 34 år. Dersom det er to låntakere er det alderen til den yngste som avgjør om man kan få Boliglån UNG eller ikke. Ingen etableringsgebyr beregnes for kunder med BSU konto i Nordea. Kunden kan finansiere opp til 85% av markedsverdi med sikkerhet i egen eiendom. Mulighet for inntil 100% finansiering da med krav om tilleggssikkerhet i annen eiendom, for individuell vurdering ta kontakt med banken. Boliglån UNG tilbys også med fastrente innenfor 85% av markedsverdi.\r\n\r\nFor å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. Du vil bli varslet om endringen. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,35","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"produktpakke":{"navn":"Basis","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1286","student":false,"spesielle_betingelser":"Alle over 18 år kan melde seg inn i Basis. 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For å oppnå bankens beste rente forutsettes Fordel Pluss i vårt Fordelsprogram. Kunden kan refinansiere så mange ganger det er ønskelig og beholde Boliglån UNG renten, så lenge kunden er under 34 år. Dersom det er to låntakere er det alderen til den yngste som avgjør om man kan få Boliglån UNG eller ikke. Ingen etableringsgebyr beregnes for kunder med BSU konto i Nordea. Kunden kan finansiere opp til 85% av markedsverdi med sikkerhet i egen eiendom. Mulighet for inntil 100% finansiering da med krav om tilleggssikkerhet i annen eiendom, for individuell vurdering ta kontakt med banken. Boliglån UNG tilbys også med fastrente innenfor 85% av markedsverdi.\r\n\r\nFor å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. 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Gebyrfri bruk av nettbank, telebank og mobilbank Gebyrfri bruk av AvtaleGiro og eFaktura. Kontantuttak i SpareBank 1 minibanker uten gebyr. Betaling av varer og tjenester i Norge uten gebyr\r\nHvem kan få Grepa brukskonto? Samlet innskudd og/eller lån på mer enn 250.000 kr sikrer deg Grepa brukskonto uten månedspris. Om du oppfyller kravet sammen med partner/ samboer/ ektefelle så får begge Grepa brukskonto. Eks: Har din samboer et lån på kr 200.000 og du et innskudd på kr 50.000 så kvalifiserer begge to til Grepa brukskonto uten månedspris. Er du over 67 år stiller vi ingen krav til innskudd og lån. Jeg kvalifiserer ikke til Grepa - hva gjør jeg? Du kan fortsatt få Grepa brukskonto for en månedspris på kr 25. 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For å kvalifisere for DNB Boligkreditt må lånet knyttes til pant i egen boligeiendom inntil 75% av forsvarlig verdi. Dersom søknaden er spesielt arbeidskrevende kan etableringsgebyret økes til kr 5000.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,00","leverandor":{"bb_epost":"soknad@dnb.no","href":"leverandor/bank/252","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"0021","bb_poststed":"Oslo","bb_telefon":"04800","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www.dnb.no/","navn":"DnB Bank ASA","visningsnavn":"DNB Bank ASA","orgnr":"984851006","modified":"03.06.2013","modifier":"brigitte","tilbyrSph":true,"oppfolging":false,"id":252},"leverandorVisningsnavn":"DNB Bank ASA","leverandorUrl":"https://www.dnb.no/","leverandorNavn":"DNB Bank ASA","leverandorHref":"leverandor/bank/252","produktpakkeHref":"","href":"bank/boliglan/229477","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"22.04.2013","published":true,"modified":"22.04.2013","modifier":"utlaan@dnbnor.no","oppfolging":false,"id":229477},{"navn":"Fastrentelån 3 år 75 % ","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 200","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Fastrentelån 3 år 75 % ","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"3","forbehold":"Det forutsettes at Danske Bank benyttes i det daglige, dvs. bruk av kort og regningsbetaling via Danske Bank. Dette kan gjøres helt gebyrfritt. 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Gjennomgang av kortbehov.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"100","publiserFra":"23.04.2012","published":true,"modified":"30.04.2013","modifier":"brigitte","oppfolging":false,"id":185461},"leverandorVisningsnavn":"Åfjord Sparebank","leverandorUrl":"http://www.afjord-sparebank.no","leverandorNavn":"Åfjord Sparebank","leverandorHref":"leverandor/bank/269","produktpakkeHref":"bank/produktpakke/185461","href":"bank/boliglan/185564","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.04.2012","produktpakkeNavn":"Helkunde","maks_alder":"100","publiserFra":"25.03.2013","published":true,"modified":"14.05.2013","modifier":"brigitte","oppfolging":false,"id":185564},{"navn":"Boligkreditt Basis","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boligkreditt Basis","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nordea Bank Norge tilbyr boliglån til hele landet.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"NB! \r\nTermingebyret på kr 50 er et månedlig gebyr.\r\n\r\nFor å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. Du vil bli varslet om endringen. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"5,00","nominell_rente_1_b":"4,65","nominell_rente_1_c":"4,65","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"produktpakke":{"navn":"Basis","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1286","student":false,"spesielle_betingelser":"Alle over 18 år kan melde seg inn i Basis. Basis gir ingen fordeler, men er ditt utgangspunkt for videre automatisk opprykk til Nordeas øvrige fordelsprogram.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Basis","min_antall_produkter":"0","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"03.12.2007","published":true,"modified":"26.02.2011","modifier":"brigitte","oppfolging":false,"id":1286},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakkeHref":"bank/produktpakke/1286","href":"bank/boliglan/224679","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"03.12.2007","produktpakkeNavn":"Basis","maks_alder":"100","publiserFra":"14.03.2013","published":true,"modified":"31.05.2013","modifier":"lars-kristian.fladby@nordea.no","oppfolging":false,"id":224679},{"navn":"75 % - flytende rente","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75 % - flytende rente","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Sikkerhet med pant inntil 75% av godkjent takst/omsetningsverdi fra 3,91%. Forutsetter at hele eller deler av lånet plassert i Terra boligkreditt. Etableringsgebyr avhenger av lånebeløp. Etableringsgebyr for lån under kr 10.000,- 500,- er kr 500,-. For lån fra kr 10.000,- til kr 50.000,- er etableringsgebyret kr 1.500,-. For lån fra kr 50.000,- til kr 2.000.000,- er etableringsgebyret kr 2.000,-. For lån fra kr 2.000.000,- til 5.000.000,- er etableringsgebyret kr 4.000,- og for lån over kr 5.000.000,- og oppover er etableringsgebyret 0,1% av lånebeløp.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"50 000","max_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,91","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"produktpakke":{"navn":"Konto med lønnsinngang","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakke_arsgebyr":"0","href":"bank/produktpakke/200972","student":false,"spesielle_betingelser":"Ved låneopptak forutsetter termingebyr belastning av terminbeløp (renter, avdrag og termingebyr) på konto.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Konto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"12.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":200972},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakkeHref":"bank/produktpakke/200972","href":"bank/boliglan/49619","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"12.09.2012","produktpakkeNavn":"Konto med lønnsinngang","maks_alder":"100","publiserFra":"01.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":49619},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Aurskog Sparebank har tilbud til deg som sikrer deg våre aller gunstigste vilkår hos en bank som ønsker å stå ved din side hele livet igjennom! UNG33 er et tilbud om førstehjemslån til unge mellom 18 og 33 år. Din forpliktelse: Førstegangsetablerer. Aktiv kunde. Lønnsinngang, debetkort, aktiv konto. Nettbank med nettpost, mobilbank/smsbank. Fast spareavtale (enten Spareplan eller Fond) av kr. 500,00 pr mnd. Vår forpliktelse: Vi tilbyr boliglån inntil 85% belåning til bankens gunstigste lånevilkår innenfor 60%. Gratis etablering av lån dersom du har BSU-konto i banken. Egen kunderådgiver. Tilbud om årlig oppfølging. Renteutviklingen følger bankens laveste boliglånsrente i Terra Boligkreditt. Øvrig UNG33 pakken: Eget design på debetkort, gratis. Tilbud om kredittkort med fordelsprogram. Etableringsgebyr avhenger av lånebeløp. Etableringsgebyr for lån under kr 10.000,- 500,- er kr 500,-. For lån fra kr 10.000,- til kr 50.000,- er etableringsgebyret kr 1.500,-. For lån fra kr 50.000,- til kr 2.000.000,- er etableringsgebyret kr 2.000,-. For lån fra kr 2.000.000,- til 5.000.000,- er etableringsgebyret kr 4.000,- og for lån over kr 5.000.000,- og oppover er etableringsgebyret 0,1% av lånebeløp.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"50 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,45","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"produktpakke":{"navn":"UNG33","leverandor":{"bb_epost":"firmapost@aurskog-sparebank.no","href":"leverandor/bank/266","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Aurskog Senter","bb_adresse2":"-","bb_postnr":"1930","bb_poststed":"Aurskog","bb_telefon":"63 85 44 40","bb_telefaks":"63 85 44 41","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Kommunene Aurskog-Høland, Nes, Sørum, Fet, og Ullensaker er definert som bankens primærområde. Bankens hovedkontor ligger\n               på Aurskog. I tillegg har vi avdelingskontorer på Bjørkelangen, Årnes og på Jessheim.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.aurskog-sparebank.no","navn":"Aurskog Sparebank","visningsnavn":"Aurskog Sparebank","orgnr":"937885644","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":266},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakke_arsgebyr":"0","href":"bank/produktpakke/139720","student":false,"spesielle_betingelser":"For å være UNG33 kunde må du; •Førstegangsetablerer •Aktiv kunde •Lønnsinngang, debetkort, aktiv konto •Nettbank med nettpost, mobilbank/smsbank. UNG33 er vårt tilbud til deg som drømmer om å kjøpe din første bolig. UNG33 sikrer deg våre aller gunstigste vilkår hos en bank som ønsker å stå ved din side hele livet igjennom! Vår forpliktelse er å tilby deg boliglån inntil 85% belåning til bankens gunstigste lånevilkår innenfor 60%. Du får i tillegg gratis etablering av lånet dersom du har BSU konto i banken. Din forpliktelse er blant annet å være førstegangsetablerer, du må være aktiv kunde i banken, ha lønnsinngangen din på konto i banken, og opprette en fast spareavtale. Les mer om bankens tilbud http://www.aurskog-sparebank.no/betaling/barnogungdom/ung33/Sider/UNG%2033.aspx","pensjonist":false,"min_alder":"18","maks_alder":"33","produktpakke_navn":"UNG33","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"01.06.2011","published":true,"modified":"16.01.2013","modifier":"brigitte","oppfolging":false,"id":139720},"leverandorVisningsnavn":"Aurskog Sparebank","leverandorUrl":"http://www.aurskog-sparebank.no","leverandorNavn":"Aurskog Sparebank","leverandorHref":"leverandor/bank/266","produktpakkeHref":"bank/produktpakke/139720","href":"bank/boliglan/46419","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"01.06.2011","produktpakkeNavn":"UNG33","maks_alder":"33","publiserFra":"01.09.2012","published":true,"modified":"12.09.2012","modifier":"brigitte","oppfolging":false,"id":46419},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 200","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Det forutsettes at Danske Bank benyttes i det daglige, dvs. bruk av kort og regningsbetaling via Danske Bank. Dette kan gjøres helt gebyrfritt. Gratis etableringsgbyr ved søknad via danskebank.no. Med førstehjemslån kan du ha fleksibel nedbetaling tilpasset din økonomi og velge fast rente på deler av lånet. I Danske Bank kan du ha inntil 30 års nedbetaling på lånet. Dette krever at belåningen ligger innenfor 80 % av boligens markedsverdi. I utgangspunktet tilbys førstehjemslån inntil 85 % av boligens verdi. Dersom du har behov for å låne hele kjøpesummen, kan vi tilby dette dersom du kan stille med tilleggssikkerhet. Dersom du har et boliglån innenfor 70 % av boligens verdi, kan du søke om inntil 5 års avdragsfrihet. Dersom boliglånet er innenfor 60 %, kan du søke om inntil 10 års avdragsfrihet.          ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"45","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"08540@danskebank.no","href":"leverandor/bank/464","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.danskebank.no","bytt_bank_url":"http://www.danskebank.no","bb_adresse1":"Søndregate 13-15","bb_adresse2":"","bb_postnr":"7466","bb_poststed":"Trondheim","bb_telefon":"08540","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Danske Bank er landsdekkende og tilbyr banksparing og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.danskebank.no","url":"http://www.danskebank.no","navn":"Danske Bank","visningsnavn":"Danske Bank","orgnr":"977074010","modified":"15.11.2012","modifier":"Roar.kvello@danskebank.no","tilbyrSph":false,"oppfolging":false,"id":464},"produktpakke":{"navn":"Aktiv dagligbank","leverandor":{"bb_epost":"08540@danskebank.no","href":"leverandor/bank/464","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.danskebank.no","bytt_bank_url":"http://www.danskebank.no","bb_adresse1":"Søndregate 13-15","bb_adresse2":"","bb_postnr":"7466","bb_poststed":"Trondheim","bb_telefon":"08540","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Danske Bank er landsdekkende og tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Danske Bank er landsdekkende og tilbyr banksparing og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.danskebank.no","url":"http://www.danskebank.no","navn":"Danske Bank","visningsnavn":"Danske Bank","orgnr":"977074010","modified":"15.11.2012","modifier":"Roar.kvello@danskebank.no","tilbyrSph":false,"oppfolging":false,"id":464},"leverandorVisningsnavn":"Danske Bank","leverandorUrl":"http://www.danskebank.no","leverandorNavn":"Danske Bank","leverandorHref":"leverandor/bank/464","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189070","student":false,"spesielle_betingelser":"Aktiv dagligbank innebærer at du bruker kort fra Danske Bank og betaler regningene via våre løsninger. Du bestemmer selv hvilke kort du vil bruke og hvordan du vil betale regningene dine. Det er ikke noe krav om at du må benytte kredittkort. Å bruke oss i det daglige kan du gjøre helt gebyrfritt. Årsavgift kort for Basis og 24/7 er kr 275, mens 24/7 ung er gratis.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Aktiv dagligbank","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.05.2012","published":true,"modified":"11.06.2013","modifier":"roar.kvello@danskebank.no","oppfolging":false,"id":189070},"leverandorVisningsnavn":"Danske Bank","leverandorUrl":"http://www.danskebank.no","leverandorNavn":"Danske Bank","leverandorHref":"leverandor/bank/464","produktpakkeHref":"bank/produktpakke/189070","href":"bank/boliglan/49211","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.05.2012","produktpakkeNavn":"Aktiv dagligbank","maks_alder":"34","publiserFra":"26.11.2012","published":true,"modified":"26.11.2012","modifier":"ista@danskebank.no","oppfolging":false,"id":49211},{"navn":"Boliglån 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boliglån 70 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Youngbank.no er en konseptbank fra Sparebanken Øst for deg under 25 år bosatt på Østlandet. Youngbank.no er den banken som med en overraskende og uforutsigbar form gjør bank og forsikringsprodukter tilgjengelig for ungdom på en ny og annerledes måte. youngbank.no - mer enn et bankkort!","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Renten er en fra-rente, og beregnes individuelt etter samlet kredittrisiko. Gjelder lån hvor sikkerhetn tilfredsstiller krav i loven til å kunne overføre til Boligkredittselskap.\r\nDu må være 18 år for å kunne låne penger, og for å få innvilget et lån vil youngbank.no foreta en kredittvurdering av din betjeningsevne, betjeningsvilje og eventuelt sikkerhet for lånet i samarbeid med deg.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"kundeservice@youngbank.no","href":"leverandor/bank/295","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://youngbank.no/","bytt_bank_url":"http://youngbank.no/","bb_adresse1":"Postboks 54","bb_adresse2":"","bb_postnr":"3001","bb_poststed":"Drammen","bb_telefon":"03220","bb_telefaks":"32201165","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Youngbank.no er en konseptbank fra Sparebanken Øst for deg under 25 år bosatt på Østlandet. Youngbank.no er den banken som med en overraskende og uforutsigbar form gjør bank og forsikringsprodukter tilgjengelig for ungdom på en ny og annerledes måte. youngbank.no - mer enn et bankkort!","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Youngbank.no er en konseptbank fra Sparebanken Øst for deg under 25 år bosatt på Østlandet. Youngbank.no er den banken som med en overraskende og uforutsigbar form gjør bank og forsikringsprodukter tilgjengelig for ungdom på en ny og annerledes måte. youngbank.no - mer enn et bankkort!","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://youngbank.no/","url":"http://www.youngbank.no/","navn":"Youngbank.no","visningsnavn":"Youngbank.no (Sparebanken Øst)","orgnr":"937888937","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":295},"leverandorVisningsnavn":"Youngbank.no (Sparebanken Øst)","leverandorUrl":"http://www.youngbank.no/","leverandorNavn":"Youngbank.no (Sparebanken Øst)","leverandorHref":"leverandor/bank/295","produktpakkeHref":"","href":"bank/boliglan/180819","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"25","publiserFra":"27.03.2012","published":true,"modified":"28.11.2012","modifier":"gry.syversen@oest.no","oppfolging":false,"id":180819},{"navn":"Boliglån - 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"950","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån - 75%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til kunder over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"For å søke om og få vurdert en lånesøknad i Gjensidige Bank, må du legge inn søknaden elektronisk fra www.gjensidige.no. Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. På grunn av stor pågang har vi dessverre noe ventetid på behandling av manuelle saker.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,50","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,95","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"produktpakke":{"navn":"Basis","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakke_arsgebyr":"0","href":"bank/produktpakke/160543","student":false,"spesielle_betingelser":"Boliglån forutsetter brukskonto med lønnsinngang","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Basis","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.11.2011","published":true,"modified":"09.03.2012","modifier":"brigitte","oppfolging":false,"id":160543},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakkeHref":"bank/produktpakke/160543","href":"bank/boliglan/46405","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.11.2011","produktpakkeNavn":"Basis","maks_alder":"100","publiserFra":"23.03.2012","published":true,"modified":"20.02.2013","modifier":"brigitte","oppfolging":false,"id":46405},{"navn":"Boliglån - 75% - Fordel org.","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån - 75% - Fordel org.","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Tilbyr boliglån til kunder over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Gjelder nye lån til Fordel org kunder. (Medlemmer i Tekna, NITO eller YS - se organisasjonenes hjemmesider for informasjon om hvordan du blir medlem)\r\n\r\nFor å oppnå medlemsfordelene må man ha  følgende produkter i Gjensidige Bank:\r\n\r\n- Lønnsinngang og bankkort \r\n- Kredittkort\r\n\r\nFor å søke om og få vurdert en lånesøknad i Gjensidige Bank, må du legge inn søknaden elektronisk fra www.gjensidige.no. Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. På grunn av stor pågang har vi dessverre noe ventetid på behandling av manuelle saker.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,15","nominell_rente_1_b":"3,60","nominell_rente_1_c":"3,35","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"produktpakke":{"navn":"Fordel org","leverandor":{"bb_epost":"bank@gjensidige.no","href":"leverandor/bank/313","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.gjensidige.no","bytt_bank_url":"http://www.gjensidige.no","bb_adresse1":"Postboks 313","bb_adresse2":"","bb_postnr":"6802","bb_poststed":"Førde","bb_telefon":"03100","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr boliglån til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr banksparing, kredittkort og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.gjensidige.no","url":"http://www.gjensidigebank.no","navn":"Gjensidige Bank","visningsnavn":"Gjensidige Bank ASA","orgnr":"990323429","modified":"01.02.2012","modifier":"helene.lyso@gjensidige.no","tilbyrSph":false,"oppfolging":false,"id":313},"leverandorVisningsnavn":"Gjensidige Bank ASA","leverandorUrl":"http://www.gjensidigebank.no","leverandorNavn":"Gjensidige Bank ASA","leverandorHref":"leverandor/bank/313","produktpakke_arsgebyr":"0","href":"bank/produktpakke/182071","student":false,"spesielle_betingelser":"Dette er et eksklusivt tilbud for medlemmer i Tekna, NITO eller YS (Les mer på de ulike organsisasjonenens nettsider for hvordan du kan bli medlem) \r\nMedlemmer har automatisk tilgang til bankens beste betingelser på lån og sparing.\r\nFor å oppnå medlemsprisen på lån må medlemmet ha lønnsingang, bankkort og et kredittkort i Gjensidige Bank. 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Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. 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(Medlemmer i NITO, Tekna eller YS. Les mer på organisasjonenes hjemmesider for hvordan du kan bli medlem).\r\n\r\nFor å oppnå medlemsprisen må du ha følgende produkter i Gjensidige Bank:\r\n\r\n- Lønnsingang og bankkort \r\n- Kredittkort\r\n\r\nFor å søke om og få vurdert en lånesøknad i Gjensidige Bank, må du legge inn søknaden elektronisk fra www.gjensidige.no. Søknaden vurderes elektronisk, men i noen tilfeller må vi gjøre manuelle tilleggsvurderinger. 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Du kan låne inntil 85 prosent av kjøpesummen eller verdien på boligen. Lånet innvilges etter en vurdering der vi legger vekt på betalingsevne og betalingsvilje. Boliglånet er et annuitetslån som betyr at det betales ned med like store beløp hver måned til det er nedbetalt. Disse opplysningene trenger vi fra deg: siste lønnsslipp, selvangivelse (eventuelt også fra medlåntaker) og verdivurdering/takst av eiendommen som skal stilles som sikkerhet. Lånebevis – søk om lånebevis som viser hvor mye du kan få låne før du drar ut på boligjakt.  Du vet hvor mye du kan låne til bolig i forbindelse med budgivning. Du har lånebevis som gjelder i 6 mndr og som kan fornyes ved behov. Du får din egen kundekonsulent du kan kontakte når du trenger lånet. Den oppgitte renten er en fra-rente og vurderes individuelt etter samlet kredittrisiko.             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Youngbank.no er den banken som med en overraskende og uforutsigbar form gjør bank og forsikringsprodukter tilgjengelig for ungdom på en ny og annerledes måte. youngbank.no - mer enn et bankkort!","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Du må være 18 år for å kunne låne penger, og for å få innvilget et lån vil youngbank.no foreta en kredittvurdering av din betjeningsevne, betjeningsvilje og eventuelt sikkerhet for lånet i samarbeid med deg. Renten er en fra-rente, og beregnes individuelt etter samlet kredittrisiko.             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Hvis du ikke har BSU fra tidligere må du opprette ny BSU med fast spareavtale, minimum kr 300,- hver måned. BSU konto må være opprettet og sparing startet før du fyller 33 år. Hvis du allerede har BSU i annen bank må denne overflyttes til oss. 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750,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@nordlandsbanken.no","href":"leverandor/bank/359","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Moloveien 16","bb_adresse2":"","bb_postnr":"8002","bb_poststed":"Bodø","bb_telefon":"08900","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr bil- og boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.nordlandsbanken.no","navn":"Nordlandsbanken","visningsnavn":"Nordlandsbanken (DNB 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ASA)","orgnr":"984851006","modified":"19.02.2013","modifier":"sissel.qvam@nordlandsbanken.no","tilbyrSph":false,"oppfolging":false,"id":359},"leverandorVisningsnavn":"Nordlandsbanken (DNB ASA)","leverandorUrl":"http://www.nordlandsbanken.no","leverandorNavn":"Nordlandsbanken (DNB ASA)","leverandorHref":"leverandor/bank/359","produktpakke_arsgebyr":"0","href":"bank/produktpakke/130131","student":false,"spesielle_betingelser":"Som helkunde med lån i DnB NOR Boligkreditt får du den aller beste renta på boliglånet når du:\r\n\r\n- Bruker oss aktivt som hovedbank, med lønnskonto, NettBank og kort\r\n- Sparer 500 kroner i måneden, eller har 20 000 kroner i årlig innskudd på sparekonto eller fond\r\n","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"18.02.2011","published":true,"modified":"31.08.2011","modifier":"sissel.qvam@nordlandsbanken.no","oppfolging":false,"id":130131},"leverandorVisningsnavn":"Nordlandsbanken (DNB ASA)","leverandorUrl":"http://www.nordlandsbanken.no","leverandorNavn":"Nordlandsbanken (DNB ASA)","leverandorHref":"leverandor/bank/359","produktpakkeHref":"bank/produktpakke/130131","href":"bank/boliglan/46615","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"18.02.2011","produktpakkeNavn":"Helkunde","maks_alder":"34","publiserFra":"08.03.2012","published":true,"modified":"08.03.2013","modifier":"sissel.qvam@nordlandsbanken.no","oppfolging":false,"id":46615},{"navn":"Fastrentelån 5 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 950","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fastrentelån 5 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"5","forbehold":"Det er vanskelig å treffe rentebunnen, så det å spekulere i at fastrente skal lønne seg er forbundet med risiko. Vår anbefaling er at det er din økonomiske situasjon og dine ønsker som styrer valget. Dersom du foretrekker tryggheten i faste månedlige låneutgifter så har vi til enhver tid tilbud om fastrente med 2, 3, 4, 5, 7 og 10 års rentebinding. Fordeler med fastrentelån: Forutsigbare låneutgifter - renten påvirkes ikke av svigninger i rentemarkedet. Kan kombineres med boliglån med flytende rente, for eksempel ved å dele opp lånet i en fast og en flytende del. Økonomisk trygghet - du har til enhver tid god oversikt over låneutgiftene dine. For nye boliglånskunder er etableringsgebyr for etablering av avdragslån med sikkerhet kr 1.950,-. For endring av lånetype for allerede etablerte serie-/annuitetslån flytende til fast rente er etableringsgebyret kr 1.000,-. Termingebyr serie-/annunitets flytende fast rente er termingebyr kr 40,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"4,35","leverandor":{"bb_epost":"smn@smn.no","href":"leverandor/bank/342","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.smn.no","bytt_bank_url":"http://www.smn.no","bb_adresse1":"Postboks 4796 Sluppen","bb_adresse2":"","bb_postnr":"7467","bb_poststed":"Trondheim","bb_telefon":"07300","bb_telefaks":"73585810","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt markedsområde er: Nord-Trøndelag, Sør-Trøndelag, Møre- og Romsdal og Sogn og Fjordane (Førde). Men vi er åpen for kunder\n               fra resten av landet.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.smn.no","url":"http://www.smn.no","navn":"SpareBank 1 Midt-Norge","visningsnavn":"SpareBank 1 SMN","orgnr":"937901003","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":342},"leverandorVisningsnavn":"SpareBank 1 SMN","leverandorUrl":"http://www.smn.no","leverandorNavn":"SpareBank 1 SMN","leverandorHref":"leverandor/bank/342","produktpakkeHref":"","href":"bank/boliglan/116706","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"11.03.2013","published":true,"modified":"11.03.2013","modifier":"arne.nypan@smn.no","oppfolging":false,"id":116706},{"navn":"Smart Boliglån 1.000.000","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 900","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Smart Boliglån 1.000.000","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Kunder må ha: Kunder må ha lønnsinngang/trygd/pensjon, bankkort og nettbank. Kr. 40.000.- i innskudd eller sparing på min kr. 500.- pr. mnd.* Og lånet må være konvertibelt til Boligkredittselskap.\r\n* Innskudd og sparing kan erstattes av Livsforsikring. Se www.sr-bank.no/smartlan\r\n               for mer info\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt naturlige markedsområde er Rogaland, Vest-Agder, Aust-Agder og Hordaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sr-bank.no","navn":"SpareBank 1 SR-Bank","visningsnavn":"SpareBank 1 SR-Bank","orgnr":"937895321","modified":"06.06.2011","modifier":"nelly","tilbyrSph":true,"oppfolging":false,"id":340},"produktpakke":{"navn":"Smart-lån og Alltid","leverandor":{"bb_epost":"kundesenter@sr-bank.no","href":"leverandor/bank/340","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 250","bb_adresse2":"","bb_postnr":"4066","bb_poststed":"Stavanger","bb_telefon":"02002","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vårt naturlige område er Rogaland, Vest-Agder, Aust-Agder og Hordaland. Vi låner også ut til andre deler av landet, men etter\n               individuell vurdering.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vårt naturlige markedsområde er Rogaland, Vest-Agder, Aust-Agder og Hordaland.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sr-bank.no","navn":"SpareBank 1 SR-Bank","visningsnavn":"SpareBank 1 SR-Bank","orgnr":"937895321","modified":"06.06.2011","modifier":"nelly","tilbyrSph":true,"oppfolging":false,"id":340},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakke_arsgebyr":"0","href":"bank/produktpakke/172228","student":false,"spesielle_betingelser":"Beste pris til deg som benytter SpareBank 1 SR-Bank som hovedbank. Betingelser for å få smart lån: Lønnsinngang, nettbank og debetkort. Innskudd over 40.000,- eller sparing på minimum 500,- per måned (Innskudd eller sparing kan erstattes av  personforsikring), lånet må være overførbart til SpareBank 1 Boligkreditt A/S.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Smart-lån og Alltid","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"6 000","publiserFra":"05.05.2009","published":true,"modified":"22.01.2012","modifier":"brigitte","oppfolging":false,"id":172228},"leverandorVisningsnavn":"SpareBank 1 SR-Bank","leverandorUrl":"http://www.sr-bank.no","leverandorNavn":"SpareBank 1 SR-Bank","leverandorHref":"leverandor/bank/340","produktpakkeHref":"bank/produktpakke/172228","href":"bank/boliglan/49309","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"05.05.2009","produktpakkeNavn":"Smart-lån og Alltid","maks_alder":"100","publiserFra":"12.03.2013","published":true,"modified":"11.03.2013","modifier":"oddvar.rettedal@sr-bank.no","oppfolging":false,"id":49309},{"navn":"Boligkreditt 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boligkreditt 70 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Det forutsettes at BN Bank benyttes til hverdags. Det innebærer lønnsinngang på brukskonto, samt etablering av Visa-kort og nettbank.\r\n\r\nAll bruk av Visa-kort (både i Norge og i utlandet) er gebyrfritt. Alle nettbanktjenester er gebyrfrie, bortsett fra utenlandsbetalinger.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"70","min_belop_b":"2 000 000","termingebyr_1_b":"70","nominell_rente_1_a":"4,05","nominell_rente_1_b":"3,85","leverandor":{"bb_epost":"kundesenter@bnbank.no","href":"leverandor/bank/247","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.bnbank.no","bytt_bank_url":"www.bnbank.no","bb_adresse1":"v/ Kundesenter PM","bb_adresse2":"Postboks 2415 Sluppen","bb_postnr":"7005","bb_poststed":"Trondheim","bb_telefon":"08020","bb_telefaks":"73531521","marked_boliglan":"Landsdekkende","marked_boliglan_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","marked_generell":"Landsdekkende","marked_generell_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.bnbank.no","url":"http://www.bnbank.no","navn":"BNBank","visningsnavn":"BN Bank ASA","orgnr":"914864445","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":247},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"kundesenter@bnbank.no","href":"leverandor/bank/247","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.bnbank.no","bytt_bank_url":"www.bnbank.no","bb_adresse1":"v/ Kundesenter PM","bb_adresse2":"Postboks 2415 Sluppen","bb_postnr":"7005","bb_poststed":"Trondheim","bb_telefon":"08020","bb_telefaks":"73531521","marked_boliglan":"Landsdekkende","marked_boliglan_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","marked_generell":"Landsdekkende","marked_generell_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.bnbank.no","url":"http://www.bnbank.no","navn":"BNBank","visningsnavn":"BN Bank ASA","orgnr":"914864445","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":247},"leverandorVisningsnavn":"BN Bank ASA","leverandorUrl":"http://www.bnbank.no","leverandorNavn":"BN Bank ASA","leverandorHref":"leverandor/bank/247","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178223","student":false,"spesielle_betingelser":"Beste pris boliglån forutsetter Brukskonto med lønnsinngang, Visa-kort og Nettbank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.02.2012","published":true,"modified":"21.02.2012","modifier":"brigitte","oppfolging":false,"id":178223},"leverandorVisningsnavn":"BN Bank ASA","leverandorUrl":"http://www.bnbank.no","leverandorNavn":"BN Bank ASA","leverandorHref":"leverandor/bank/247","produktpakkeHref":"bank/produktpakke/178223","href":"bank/boliglan/208467","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"150","publiserFra":"05.11.2012","published":true,"modified":"12.03.2013","modifier":"bard.idar.kvam@bnbank.no","oppfolging":false,"id":208467},{"navn":"Boliglån 85 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån 85 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Det forutsettes at BN Bank benyttes til hverdags. Det innebærer lønnsinngang på brukskonto, samt etablering av Visa-kort og nettbank.\r\n\r\nAll bruk av Visa-kort (både i Norge og i utlandet) er gebyrfritt. Alle nettbanktjenester er gebyrfrie, bortsett fra utenlandsbetalinger.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"30","min_belop_b":"2 000 000","termingebyr_1_b":"30","nominell_rente_1_a":"4,45","nominell_rente_1_b":"4,25","leverandor":{"bb_epost":"kundesenter@bnbank.no","href":"leverandor/bank/247","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.bnbank.no","bytt_bank_url":"www.bnbank.no","bb_adresse1":"v/ Kundesenter PM","bb_adresse2":"Postboks 2415 Sluppen","bb_postnr":"7005","bb_poststed":"Trondheim","bb_telefon":"08020","bb_telefaks":"73531521","marked_boliglan":"Landsdekkende","marked_boliglan_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","marked_generell":"Landsdekkende","marked_generell_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.bnbank.no","url":"http://www.bnbank.no","navn":"BNBank","visningsnavn":"BN Bank ASA","orgnr":"914864445","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":247},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"kundesenter@bnbank.no","href":"leverandor/bank/247","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.bnbank.no","bytt_bank_url":"www.bnbank.no","bb_adresse1":"v/ Kundesenter PM","bb_adresse2":"Postboks 2415 Sluppen","bb_postnr":"7005","bb_poststed":"Trondheim","bb_telefon":"08020","bb_telefaks":"73531521","marked_boliglan":"Landsdekkende","marked_boliglan_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","marked_generell":"Landsdekkende","marked_generell_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.bnbank.no","url":"http://www.bnbank.no","navn":"BNBank","visningsnavn":"BN Bank ASA","orgnr":"914864445","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":247},"leverandorVisningsnavn":"BN Bank ASA","leverandorUrl":"http://www.bnbank.no","leverandorNavn":"BN Bank ASA","leverandorHref":"leverandor/bank/247","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178223","student":false,"spesielle_betingelser":"Beste pris boliglån forutsetter Brukskonto med lønnsinngang, Visa-kort og Nettbank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.02.2012","published":true,"modified":"21.02.2012","modifier":"brigitte","oppfolging":false,"id":178223},"leverandorVisningsnavn":"BN Bank ASA","leverandorUrl":"http://www.bnbank.no","leverandorNavn":"BN Bank ASA","leverandorHref":"leverandor/bank/247","produktpakkeHref":"bank/produktpakke/178223","href":"bank/boliglan/208475","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"150","publiserFra":"05.11.2012","published":true,"modified":"12.03.2013","modifier":"bard.idar.kvam@bnbank.no","oppfolging":false,"id":208475},{"navn":"Vardelån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 250","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Vardelån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Klepp Sparebank sitt primærområde er: Sør-Rogaland. Vi har selvfølgelig utflyttede kleppsbuer som bor ulike steder i Norges\n               langstrakte land, og som har boliglånet sitt hos oss. Men som en hovedregel er det Sør-Rogaland som er vårt område.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Har du lønnskonto med Visakort og lønns- eller pensjonsinngang, nettbank med nettpost, samt 3 valgfrie produkter kan du få Vardelån hos oss. Se beskrivelse av produktpakken. Etableringsgebyr avhenger av lånebeløp. Opplyst etableringsgebyr gjelder ved lån inntil 2 millioner.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","termingebyr_1_a":"50","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"post@klepp-sparebank.no","href":"leverandor/bank/328","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 53","bb_adresse2":"","bb_postnr":"4358","bb_poststed":"Kleppe","bb_telefon":"51789600","bb_telefaks":"51789601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Klepp Sparebank sitt primærområde er: Sør-Rogaland. Vi har selvfølgelig utflyttede kleppsbuer som bor ulike steder i Norges\n               langstrakte land, og som har boliglånet sitt hos oss. Men som en hovedregel er det Sør-Rogaland som er vårt område.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Klepp Sparebank sitt primærområde er: Sør-Rogaland. Vi har selvfølgelig også utflyttede kleppsbuer som bor ulike steder i\n               Norges langstrakte land.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.klepp-sparebank.no","navn":"Klepp Sparebank","visningsnavn":"Klepp Sparebank","orgnr":"937895976","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":328},"produktpakke":{"navn":"Varde","leverandor":{"bb_epost":"post@klepp-sparebank.no","href":"leverandor/bank/328","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 53","bb_adresse2":"","bb_postnr":"4358","bb_poststed":"Kleppe","bb_telefon":"51789600","bb_telefaks":"51789601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Klepp Sparebank sitt primærområde er: Sør-Rogaland. Vi har selvfølgelig utflyttede kleppsbuer som bor ulike steder i Norges\n               langstrakte land, og som har boliglånet sitt hos oss. Men som en hovedregel er det Sør-Rogaland som er vårt område.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Klepp Sparebank sitt primærområde er: Sør-Rogaland. Vi har selvfølgelig også utflyttede kleppsbuer som bor ulike steder i\n               Norges langstrakte land.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.klepp-sparebank.no","navn":"Klepp Sparebank","visningsnavn":"Klepp Sparebank","orgnr":"937895976","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":328},"leverandorVisningsnavn":"Klepp Sparebank","leverandorUrl":"http://www.klepp-sparebank.no","leverandorNavn":"Klepp Sparebank","leverandorHref":"leverandor/bank/328","produktpakke_arsgebyr":"300","href":"bank/produktpakke/133370","student":false,"spesielle_betingelser":"Har du lønnskonto med Visakort og lønns- eller pensjonsinngang, nettbank med nettpost, samt 3 valgfrie produkter kan du få Vardelån hos oss. Oversikt over produktene du kan velge blant finner du nedenfor: Personforsikring. Skadeforsikring. Plassering (f.eks sparing i fond) fra kr 20.000,-. Spareavtale (f.eks månedlig sparing i fond). Bankinnskudd fra kroner 30.000,-. Kredittkort. Hovedgevinst for deg som kunde - mulighet for bankens beste boliglånsrente! Tilleggsgevinster: - Personlig rådgiver og årlig oppfølging. - Gratis bruk av nettbank og telebank. - Gratis uttak i våre minibanker. - Årsavgift kredittkort 0,-.* * Med forbehold om aktiv bruk av kort  - 1 gebyrfritt visakort. - Gratis tegning av månedlig spareavtale i fond. - Samlerabatt skadeforsikring. - Invitasjon til kundearrangement. - ALT PÅ ETT STED! Du betaler kun en månedsvgift på kroner 25,-","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Varde","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.03.2011","published":true,"modified":"19.01.2013","modifier":"brigitte","oppfolging":false,"id":133370},"leverandorVisningsnavn":"Klepp Sparebank","leverandorUrl":"http://www.klepp-sparebank.no","leverandorNavn":"Klepp Sparebank","leverandorHref":"leverandor/bank/328","produktpakkeHref":"bank/produktpakke/133370","href":"bank/boliglan/46469","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.03.2011","produktpakkeNavn":"Varde","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"15.03.2013","modifier":"anne.birgit@klepp-sparebank.no","oppfolging":false,"id":46469},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"3","rentebinding_ar":"0","forbehold":"Tilbudet forutsetter at du er under 34 år og har BSU-konto i Modum Sparebank (Boligsparing for Ungdom).\r\n\r\n Lån forutsetter etablering av kundeforhold, åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. Endelige rentebetingelser er avhengig av kundeforhold, økonomisk betjeningsevne, sikkerhet og lånets størrelse.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"25","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"produktpakke":{"navn":"Helkunde Privat Ekstra med BSU","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakke_arsgebyr":"0","href":"bank/produktpakke/196261","student":false,"spesielle_betingelser":"Vår fordelspakke Privat Ekstra, er satt sammen av tjenester du virkelig kan dra nytte av. \r\nPrivat Ekstra gir deg flere fordeler. De aller fleste bruker banken sin på flere forskjellige områder som utlån, innskudd, regningsbetaling osv. Dessuten har vi gjerne behov for betalingskort og mange ønsker seg også kredittkort. Som lønnskontokunde hos oss kan du velge og kjøpe Privat Ekstra. Du får da en rekke fordeler som gjør det rimeligere og mer praktisk for deg når du skal bruke banken. I tillegg til medlemsfordelene i Privat Ekstra får du som fordelskunde og helkunde i vår bank: * 0,25% i rabatt på lån med pant i bolig\r\n* alternativt 0,25% bedre rente på kapitalkonto OBS: For å bli Privat Ekstra kunde forutsettes det en kredittvurdering og et kundeforhold i tråd med våre Privat Ekstra kriterier. Førstehjemslån (BSU lån) er et tilbud om billigere boliglån for deg under 34 år. Hvis du er under 34 år og har BSU-konto i Modum Sparebank (Boligsparing for Ungdom) - kan du få boliglån med meget gunstige betingelser.  Du kan få boliglån til beste rente. Samtidig nyter du godt av skattefradraget på inntil kr 4.000 pr år i forbindelse med BSU-sparingen. Alle lån innvilges etter kredittvurdering av låntaker. Det legges her vekt på bl.a. betalingsevne og betalingsvilje.  Avdragslån nedbetales normalt etter annuitetsprinsippet, dvs med like store terminbeløp over lånets løpetid.  Terminbeløpet inkluderer avdrag, renter og termingebyr og belastes bruks-/lønnskonto per termin. Antall betalingsterminer pr. år er vanligvis 12. Vi tilbyr også lån med faste avdrag (serielån), og kan  hjelpe deg med forsikring av din bolig.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Helkunde Privat Ekstra med BSU","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"20 000","publiserFra":"14.12.2007","published":true,"modified":"13.06.2012","modifier":"brigitte","oppfolging":false,"id":196261},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakkeHref":"bank/produktpakke/196261","href":"bank/boliglan/46529","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.12.2007","produktpakkeNavn":"Helkunde Privat Ekstra med BSU","maks_alder":"34","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"geir.ostensen@modum.sparebank1.no","oppfolging":false,"id":46529},{"navn":"Boliglån 75% flytende","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 250","depotgebyr":"1 250","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75% flytende","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Normal kredittvurdering. Rentene er fra. Lavest rente vil bli gitt i forhold til kundeforholdet man har til banken - forsikring, sparing samt lånebeløp.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"5,05","nominell_rente_1_b":"4,70","nominell_rente_1_c":"4,35","nominell_rente_1_d":"3,95","leverandor":{"bb_epost":"service@nottero.sparebank1.no","href":"leverandor/bank/358","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"3106","bb_poststed":"Nøtterøy","bb_telefon":"02440","bb_telefaks":"33304110","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","navn":"Nøtterø Sparebank","visningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","orgnr":"937890362","modified":"24.11.2011","modifier":"ra@nsp1.no","tilbyrSph":false,"oppfolging":false,"id":358},"produktpakke":{"navn":"Privat Ekstra","leverandor":{"bb_epost":"service@nottero.sparebank1.no","href":"leverandor/bank/358","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"3106","bb_poststed":"Nøtterøy","bb_telefon":"02440","bb_telefaks":"33304110","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","navn":"Nøtterø Sparebank","visningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","orgnr":"937890362","modified":"24.11.2011","modifier":"ra@nsp1.no","tilbyrSph":false,"oppfolging":false,"id":358},"leverandorVisningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorUrl":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","leverandorNavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorHref":"leverandor/bank/358","produktpakke_arsgebyr":"0","href":"bank/produktpakke/762","student":false,"spesielle_betingelser":"Som Privat Ekstrakunde vil du få din egen rådgiver i banken som kjenner deg og din økonomi. Dette vil gi deg god rådgivning og de tjenestene du har behov for innen finansiering, plassering, skade- og personforsikring. Forutsetninger: brukskonto med lønnsinngang, SpareBank 1 kort VISA og sum av innskudd+lån over 100.000. Fordelene: gebyrfri elektronisk regningsbetaling, kreditt på Bruks- eller Regningskonto, ved behov får du svar på lånesøknad påfølgende virkedag, mulighet forFlexilån med fri bruk av lånerammen innenfor 75 % av boligens verdi, har du Iphone eller Androide-telefon kan du laste ned gratis Mobilbank-app, nødkontanter inntil kr 25.000 ved tap av kort på reise i utlandet, nødbilletter inntil kr 25.000 ved tap av flybilletter i utlandet, døgnåpen sperretjeneste ved tap av kort, spareBank 1 GOLD kredittkort.","pensjonist":false,"min_alder":"25","maks_alder":"150","produktpakke_navn":"Privat Ekstra","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"100 000","min_sparing":"0","publiserFra":"09.01.2008","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":762},"leverandorVisningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorUrl":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","leverandorNavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorHref":"leverandor/bank/358","produktpakkeHref":"bank/produktpakke/762","href":"bank/boliglan/49785","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"25","produktpakkePubliserFra":"09.01.2008","produktpakkeNavn":"Privat Ekstra","maks_alder":"150","publiserFra":"21.03.2013","published":true,"modified":"22.03.2013","modifier":"ra@nsp1.no","oppfolging":false,"id":49785},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Storebrand Bank har hele landet som markedsområde for boliglån.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Lånerenten forutsetter at låntaker og evt. medlåntaker bruker oss aktiv som dagligbankkunde med lønnskonto, nettbank, VISA-kort og\r\nkredittkort. Er du ikke aktiv dagligbankkunde gjelder egne renter.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"50","min_belop_b":"2 000 000","termingebyr_1_b":"50","nominell_rente_1_a":"3,84","nominell_rente_1_b":"3,65","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"produktpakke":{"navn":"Helkunde","leverandor":{"bb_epost":"bank@storebrand.no","href":"leverandor/bank/429","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.storebrand.no/bank","bytt_bank_url":"http://www.storebrand.no/bank","bb_adresse1":"Professor Kohts vei 9","bb_adresse2":"Postboks 474","bb_postnr":"1327","bb_poststed":"Lysaker","bb_telefon":"08880","bb_telefaks":"","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Storebrand Bank har hele landet som markedsområde for boliglån.","marked_generell":"Landsdekkende","marked_generell_info":"Storebrand Bank tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.storebrand.no/bank","url":"http://www.storebrand.no/bank","navn":"Storebrand Bank","visningsnavn":"Storebrand Bank ASA","orgnr":"953299216","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":429},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129553","student":false,"spesielle_betingelser":"Du blir helkunde dersom du bruker oss aktivt som hovedbank.Innebærer at        du har brukskonto med lønnsinngang,nettbank, VISA-kort og kredittkort.  Lånerenten for helkunde forutsetter at både låntaker og eventuell medlåntaker er helkunder.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.02.2011","published":true,"modified":"26.07.2012","modifier":"Kari.Birkeland@storebrand.no","oppfolging":false,"id":129553},"leverandorVisningsnavn":"Storebrand Bank ASA","leverandorUrl":"http://www.storebrand.no/bank","leverandorNavn":"Storebrand Bank ASA","leverandorHref":"leverandor/bank/429","produktpakkeHref":"bank/produktpakke/129553","href":"bank/boliglan/116225","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.02.2011","produktpakkeNavn":"Helkunde","maks_alder":"34","publiserFra":"22.03.2012","published":true,"modified":"25.03.2013","modifier":"kari.birkeland@storebrand.no","oppfolging":false,"id":116225},{"navn":"Miljøboliglån til Shelterhus 85%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Miljøboliglån til Shelterhus 85%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Cultura Bank er den eneste norske banken som forteller innskyterne hva pengene brukes til. Vi er åpne om hvem vi låner ut penger til, og utlånsformålene vurderes etter sosiale og miljømessige kriterier. Cultura Bank gir lån til formål som kan tilføre samfunnet en kvalitativ verdi basert på et reellt behov. Cultura Banks gir lån til blant annet økologisk jordbruk og miljøprosjekter. Vi gir boliglån til miljøboliger. Vårt hovedformål er ikke å gi vanlige boliglån til privatpersoner.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Lånet gis kun til typen Shelterhus fra Aktivhus AS. Cultura Bank finansierer energiøkonomiske boliger. Vi gir i hovedsak lån til Shelterhus fra Aktivhus AS og Svanemerkede hus. Cultura Bank ønsker å låne ut penger til prosjekter som har verdi for flere enn den som låner. Vi ønsker at utlånsprosjektene våre skal bidra til et bedre miljø. Derfor har vi laget et gunstig lånetilbud til deg som ønsker et miljøvennlig hus. Miljøboliglån gis til to typer miljøhus: Shelterhus fra Aktivhus AS og Svanemerkede boliger. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","max_belop_a":"999 999","termingebyr_1_a":"0","min_belop_b":"1 000 000","termingebyr_1_b":"0","nominell_rente_1_a":"3,95","nominell_rente_1_b":"3,30","leverandor":{"bb_epost":"cultura@cultura.no","href":"leverandor/bank/323","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 6800, St. Olavs Plass","bb_adresse2":"","bb_postnr":"0130","bb_poststed":"Oslo","bb_telefon":"22 99 51 99","bb_telefaks":"22 36 17 95","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Cultura Bank er den eneste norske banken som forteller innskyterne hva pengene brukes til. Vi er åpne om hvem vi låner ut penger til, og utlånsformålene vurderes etter sosiale og miljømessige kriterier. Cultura Bank gir lån til formål som kan tilføre samfunnet en kvalitativ verdi basert på et reellt behov. Cultura Banks gir lån til blant annet økologisk jordbruk og miljøprosjekter. Vi gir boliglån til miljøboliger. Vårt hovedformål er ikke å gi vanlige boliglån til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"Cultura Bank er den eneste norske banken som forteller innskyterne hva pengene brukes til. Vi er åpne om hvem vi låner ut penger til, og utlånsformålene vurderes etter sosiale og miljømessige kriterier. Cultura Bank er tilknyttet Bankenes Sikringsfond som gir en innskytergaranti på opp til 2 mill. kr pr. innskyter. Det er ingen gebyrer knyttet til å opprette eller avslutte en innskuddskonto.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.culturabank.no/","navn":"Cultura Sparebank","visningsnavn":"Cultura Sparebank","orgnr":"977041244","modified":"09.01.2013","modifier":"lars.hektoen@cultura.no","tilbyrSph":false,"oppfolging":false,"id":323},"produktpakke":{"navn":"Lønnskontobank","leverandor":{"bb_epost":"cultura@cultura.no","href":"leverandor/bank/323","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 6800, St. Olavs Plass","bb_adresse2":"","bb_postnr":"0130","bb_poststed":"Oslo","bb_telefon":"22 99 51 99","bb_telefaks":"22 36 17 95","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Cultura Bank er den eneste norske banken som forteller innskyterne hva pengene brukes til. Vi er åpne om hvem vi låner ut penger til, og utlånsformålene vurderes etter sosiale og miljømessige kriterier. Cultura Bank gir lån til formål som kan tilføre samfunnet en kvalitativ verdi basert på et reellt behov. Cultura Banks gir lån til blant annet økologisk jordbruk og miljøprosjekter. Vi gir boliglån til miljøboliger. Vårt hovedformål er ikke å gi vanlige boliglån til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"Cultura Bank er den eneste norske banken som forteller innskyterne hva pengene brukes til. Vi er åpne om hvem vi låner ut penger til, og utlånsformålene vurderes etter sosiale og miljømessige kriterier. Cultura Bank er tilknyttet Bankenes Sikringsfond som gir en innskytergaranti på opp til 2 mill. kr pr. innskyter. 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Våre lån gis kun med sikkerhet i\r\n               boliger i vårt virksomhetsområde, eller til eksisterende kunder som bosetter seg andre steder i landet og som fortsatt ønsker\r\n               å bruke oss som hovedbankforbindelse.            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du mellom 18 - 33 år kan du nå låne til bolig ikke bare èn gang, men opptil flere! Du må ha en tilknytning til Telemark. Bankens beste rente på inntil 85 % av verdi grunnlaget. Forutsetter totalkundeforhold/hovedbankforbindelse. Rentene fastsettes på bakgrunn av en helhetlig kredittvurdering. I denne vurderingen inngår det bl.a. følgende elementer: Inntektsnivå som sikrer betjeningsevnen. Økonomisk ryddighet for å unngå betalingsanmerkninger. Opplåningsgrad i forhold til boligverdi. Sparing for uforutsette hendelser og for å utjevne inntekstsvikt gis ordinære betingelser. Forsikring mot uforutsette ulykker/ livshendelser. Kundens øvrige låneforpliktelser.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","termingebyr_1_a":"30","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"post@sb1telemark.no","href":"leverandor/bank/417","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sb1telemark.no","bytt_bank_url":"http://www.sb1telemark.no","bb_adresse1":"Jernbanegata 15","bb_adresse2":"Postboks 188","bb_postnr":"3901","bb_poststed":"Porsgrunn","bb_telefon":"02610","bb_telefaks":"35569601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. 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Kom innom et av våre kontorer,\r\n               så kan også du bli kunde allerede i dag.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sb1telemark.no","url":"http://www.sb1telemark.no","navn":"Sparebanken Telemark","visningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","orgnr":"937891334","modified":"03.11.2011","modifier":"jan.thomas.moen@sb1telemark.no","tilbyrSph":false,"oppfolging":false,"id":417},"produktpakke":{"navn":"Totalkunde/Hovedbankforbindelse","leverandor":{"bb_epost":"post@sb1telemark.no","href":"leverandor/bank/417","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sb1telemark.no","bytt_bank_url":"http://www.sb1telemark.no","bb_adresse1":"Jernbanegata 15","bb_adresse2":"Postboks 188","bb_postnr":"3901","bb_poststed":"Porsgrunn","bb_telefon":"02610","bb_telefaks":"35569601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Ved søknad om lån, kreves det at Sparebank1 Telemark brukes som din hovedbankforbindelse. 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Kom innom et av våre kontorer,\r\n               så kan også du bli kunde allerede i dag.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sb1telemark.no","url":"http://www.sb1telemark.no","navn":"Sparebanken Telemark","visningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","orgnr":"937891334","modified":"03.11.2011","modifier":"jan.thomas.moen@sb1telemark.no","tilbyrSph":false,"oppfolging":false,"id":417},"leverandorVisningsnavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorUrl":"http://www.sb1telemark.no","leverandorNavn":"SpareBank 1 Telemark (Sparebanken Telemark)","leverandorHref":"leverandor/bank/417","produktpakke_arsgebyr":"0","href":"bank/produktpakke/189821","student":false,"spesielle_betingelser":"Tilknytning til Telemark. Forutsetter totalkundeforhold/hovedbankforbindelse. 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Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Boliglån for deg mellom 18 og 33 år. Lån opp til 85% av verdivurdering/takst. Lånet blir gitt med pant i bolig. Kan også brukes ved opplån eller refinansiering. Med tilleggssikkerhet er det mulig å låne opp til 100% av kjøpesummen. Etableringskostnad 0,1% av lånebeløp, minium kr 1.500,-.\r\n\r\nAndre betingelser: Lån forutsetter etablering av kundeforhold, åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. Endelige rentebetingelser er avhengig av kundeforhold, økonomisk betjeningsevne, sikkerhet og lånets størrelse.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"3 500 000","termingebyr_1_a":"40","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@sb1.no","href":"leverandor/bank/345","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Kundesenteret","bb_adresse2":"Sentrumsvegen 79","bb_postnr":"3550","bb_poststed":"Gol","bb_telefon":"03202","bb_telefaks":"32023901","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sb1.no","navn":"SpareBank 1 Hallingdal","visningsnavn":"SpareBank 1 Hallingdal Valdres","orgnr":"937889631","modified":"15.01.2013","modifier":"tove.buseth@sb1.no","tilbyrSph":false,"oppfolging":false,"id":345},"produktpakke":{"navn":"Grepa brukskonto uten månedspris","leverandor":{"bb_epost":"post@sb1.no","href":"leverandor/bank/345","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Kundesenteret","bb_adresse2":"Sentrumsvegen 79","bb_postnr":"3550","bb_poststed":"Gol","bb_telefon":"03202","bb_telefaks":"32023901","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sb1.no","navn":"SpareBank 1 Hallingdal","visningsnavn":"SpareBank 1 Hallingdal Valdres","orgnr":"937889631","modified":"15.01.2013","modifier":"tove.buseth@sb1.no","tilbyrSph":false,"oppfolging":false,"id":345},"leverandorVisningsnavn":"SpareBank 1 Hallingdal Valdres","leverandorUrl":"http://www.sb1.no","leverandorNavn":"SpareBank 1 Hallingdal Valdres","leverandorHref":"leverandor/bank/345","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178073","student":false,"spesielle_betingelser":"Grepa brukskonto gjør det enkelt og billig for deg å bruke de mest brukte betalingstjenestene. \r\nHva er fordelene med Grepa brukskonto? Gebyrfri bruk av nettbank, telebank og mobilbank Gebyrfri bruk av AvtaleGiro og eFaktura. Kontantuttak i SpareBank 1 minibanker uten gebyr. Betaling av varer og tjenester i Norge uten gebyr\r\nHvem kan få Grepa brukskonto? Samlet innskudd og/eller lån på mer enn 250.000 kr sikrer deg Grepa brukskonto uten månedspris. Om du oppfyller kravet sammen med partner/ samboer/ ektefelle så får begge Grepa brukskonto. Eks: Har din samboer et lån på kr 200.000 og du et innskudd på kr 50.000 så kvalifiserer begge to til Grepa brukskonto uten månedspris. Er du over 67 år stiller vi ingen krav til innskudd og lån. Jeg kvalifiserer ikke til Grepa - hva gjør jeg? Du kan fortsatt få Grepa brukskonto for en månedspris på kr 25. Gjør du mange betalinger i løpet av en måned vil dette lønne seg i forhold til å følge ordinær prisliste.","pensjonist":false,"min_alder":"30","maks_alder":"100","produktpakke_navn":"Grepa brukskonto uten månedspris","min_antall_produkter":"0","min_inntekt":"0","min_gjeld":"250 000","min_sparing":"0","publiserFra":"19.02.2012","published":true,"modified":"02.03.2012","modifier":"stian.mollerplass@hallingdal.sparebank1.no","oppfolging":false,"id":178073},"leverandorVisningsnavn":"SpareBank 1 Hallingdal Valdres","leverandorUrl":"http://www.sb1.no","leverandorNavn":"SpareBank 1 Hallingdal Valdres","leverandorHref":"leverandor/bank/345","produktpakkeHref":"bank/produktpakke/178073","href":"bank/boliglan/221891","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"30","produktpakkePubliserFra":"19.02.2012","produktpakkeNavn":"Grepa brukskonto uten månedspris","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"03.04.2013","modifier":"tove.buseth@sb1.no","oppfolging":false,"id":221891},{"navn":"Boliglån innenfor 85% ","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån innenfor 85% ","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån forutsetter etablering av kundeforhold, åpning av lønnskonto med lønnsinngang og bruk av betalingstjenester. 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Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. I tillegg har vi et kundesenter som er en egen avdeling, og betjener kunder fra fjern og nær via telefon, e-post, nettbank og post.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Hallingdal Valdres opererer i markedsområdet Hallingdal og Valdres. Fra våre syv fullservicekontor i Ål, Gol, Hemsedal,Geilo,Fagernes,Heggenes og Beitostølen betjener vi kunder i nærområdet. 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I de fleste tilfeller, og over tid, vil flytende rente normalt være det billigste alternativet. Selv om du velger boliglån med flytende rente, har du likevel mulighet for å endre lånet til fastrente senere. Sikkerheten må være innenfor boligens verdi. Du kan velge mellom serielån eller annuitetslån. Lånet kan ha løpetid med inntil 30 år. Lånet kan være avdragsfritt i inntil 10 år. Rentevilkårene vil følge utviklingen i markedsrenten. Lånet kan kombineres med et fastrentelån. Renten er en fra-rente, og endelig rente fastsettes og beregnes individuelt etter samlet kredittvurdering. 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Det innebærer lønnsinngang på brukskonto, samt etablering av Visa-kort og nettbank.\r\n\r\nAll bruk av Visa-kort (både i Norge og i utlandet) er gebyrfritt. Alle nettbanktjenester er gebyrfrie, bortsett fra utenlandsbetalinger.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"30","min_belop_b":"2 000 000","termingebyr_1_b":"30","nominell_rente_1_a":"3,95","nominell_rente_1_b":"3,75","leverandor":{"bb_epost":"kundesenter@bnbank.no","href":"leverandor/bank/247","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.bnbank.no","bytt_bank_url":"www.bnbank.no","bb_adresse1":"v/ Kundesenter PM","bb_adresse2":"Postboks 2415 Sluppen","bb_postnr":"7005","bb_poststed":"Trondheim","bb_telefon":"08020","bb_telefaks":"73531521","marked_boliglan":"Landsdekkende","marked_boliglan_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","marked_generell":"Landsdekkende","marked_generell_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.bnbank.no","url":"http://www.bnbank.no","navn":"BNBank","visningsnavn":"BN Bank ASA","orgnr":"914864445","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":247},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"kundesenter@bnbank.no","href":"leverandor/bank/247","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"www.bnbank.no","bytt_bank_url":"www.bnbank.no","bb_adresse1":"v/ Kundesenter PM","bb_adresse2":"Postboks 2415 Sluppen","bb_postnr":"7005","bb_poststed":"Trondheim","bb_telefon":"08020","bb_telefaks":"73531521","marked_boliglan":"Landsdekkende","marked_boliglan_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon, men vurderer hver enkelt lånesøknad individuelt.","marked_generell":"Landsdekkende","marked_generell_info":"BN Bank ASA definerer hele landet som sitt markedsområde og betjener kunder via nettbank og telefon.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"www.bnbank.no","url":"http://www.bnbank.no","navn":"BNBank","visningsnavn":"BN Bank ASA","orgnr":"914864445","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":247},"leverandorVisningsnavn":"BN Bank ASA","leverandorUrl":"http://www.bnbank.no","leverandorNavn":"BN Bank ASA","leverandorHref":"leverandor/bank/247","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178223","student":false,"spesielle_betingelser":"Beste pris boliglån forutsetter Brukskonto med lønnsinngang, Visa-kort og Nettbank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"21.02.2012","published":true,"modified":"21.02.2012","modifier":"brigitte","oppfolging":false,"id":178223},"leverandorVisningsnavn":"BN Bank ASA","leverandorUrl":"http://www.bnbank.no","leverandorNavn":"BN Bank ASA","leverandorHref":"leverandor/bank/247","produktpakkeHref":"bank/produktpakke/178223","href":"bank/boliglan/208471","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"21.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"150","publiserFra":"05.11.2012","published":true,"modified":"12.03.2013","modifier":"bard.idar.kvam@bnbank.no","oppfolging":false,"id":208471},{"navn":"Boliglån til unge","max_lopetid":"50","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån til unge","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Totens Sparebank tilbyr lån med pant i fast eiendom til kunder over hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Når en av de største og viktigste investeringer i livet skal gjøres er det viktig å ha en god rådgiver og samarbeidspartner. Når man i tillegg er ung, nyutdannet og kanskje med små barn har man virkelig behov for en skreddersydd boligfinansiering. Derfor tilbyr vi nå Boliglån for unge til ungdom mellom 18 og 33 år. Man kan låne inntil 85 % av kjøpesummen. Boliglån for unge vil være Totens Sparebanks beste boliglånstilbud innenfor 85 % av verdigrunnlaget. Er dere to om å kjøpe bolig, kan dere søke Boliglån for unge så lenge én av dere er mellom 18 og 33 år. Rentene fastsettes på bakgrunn av ditt totale engasjement med banken, sikkerhet og samlede langsiktige boliglån i Totens Sparebank, Totens Sparebank Boligkreditt og Terra Boligkreditt.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@totenbanken.no","href":"leverandor/bank/304","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 34","bb_adresse2":"","bb_postnr":"2851","bb_poststed":"Lena","bb_telefon":"61141200","bb_telefaks":"61141265","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Totens Sparebank tilbyr lån med pant i fast eiendom til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Totens Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.totenbanken.no","navn":"Totens Sparebank","visningsnavn":"Totens Sparebank","orgnr":"937887787","modified":"12.04.2011","modifier":"b.overland@totenbanken.no","tilbyrSph":false,"oppfolging":true,"id":304},"produktpakke":{"navn":"TotalKunde","leverandor":{"bb_epost":"post@totenbanken.no","href":"leverandor/bank/304","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 34","bb_adresse2":"","bb_postnr":"2851","bb_poststed":"Lena","bb_telefon":"61141200","bb_telefaks":"61141265","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Totens Sparebank tilbyr lån med pant i fast eiendom til kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Totens Sparebank tilbyr kundeforhold, banksparing og dagligbank tjenester til kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.totenbanken.no","navn":"Totens Sparebank","visningsnavn":"Totens Sparebank","orgnr":"937887787","modified":"12.04.2011","modifier":"b.overland@totenbanken.no","tilbyrSph":false,"oppfolging":true,"id":304},"leverandorVisningsnavn":"Totens Sparebank","leverandorUrl":"http://www.totenbanken.no","leverandorNavn":"Totens Sparebank","leverandorHref":"leverandor/bank/304","produktpakke_arsgebyr":"0","href":"bank/produktpakke/158858","student":false,"spesielle_betingelser":"Kunden må ha følgende produkter/tjenester:\r\nBrukskonto med minibankkort/VISA (debetkort) og lønnsinngang.\r\nNettbank m/nettpost, Telebank eller Brevgiro.\r\nSparekonto og/eller spareavtale, eventuelt lån.\r\n","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"TotalKunde","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"28.10.2011","published":true,"modified":"23.11.2012","modifier":"b.overland@totenbanken.no","oppfolging":false,"id":158858},"leverandorVisningsnavn":"Totens Sparebank","leverandorUrl":"http://www.totenbanken.no","leverandorNavn":"Totens Sparebank","leverandorHref":"leverandor/bank/304","produktpakkeHref":"bank/produktpakke/158858","href":"bank/boliglan/224223","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"28.10.2011","produktpakkeNavn":"TotalKunde","maks_alder":"33","publiserFra":"13.03.2013","published":true,"modified":"12.03.2013","modifier":"b.overland@totenbanken.no","oppfolging":false,"id":224223},{"navn":"Boligkreditt 70%","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"2 500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boligkreditt 70%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SEB har et bredt tilbud av tjenester til norske bedrifter, institusjoner, aktive investorer og solide privatpersoner med et bevisst forhold til egen økonomi. 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I Norge har SEB ca. 500 ansatte, og består av: SEB Enskilda, som er det største meglerhuset på Oslo Børs og rangert av kundene som det ledende meglerhuset i det profesjonelle markedet. Private Banking, som tilbyr alt fra økonomisk forvaltning til rådgivning for personer med formue eller en kompleks privatøkonomi. SEB Kort, som er en av Nordens største utstedere av betalings- og kredittkort. I Norge tilbyr SEB Kort ca 850.000 betalings- og kredittkort gjennom nettverkene Diners Club og Eurocard/MasterCard i privat- og bedriftsmarkedet. Merchant Banking, som betjener store og mellomstore bedrifter og institusjoner. 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Du vil bli varslet om endringen. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,90","nominell_rente_1_b":"4,55","nominell_rente_1_c":"4,55","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakkeHref":"","href":"bank/boliglan/224687","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"14.03.2013","published":true,"modified":"13.03.2013","modifier":"lars-kristian.fladby@nordea.no","oppfolging":false,"id":224687},{"navn":"Boliglån Basis < 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån Basis < 75%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nordea Bank Norge tilbyr boliglån til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"For å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. 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Som Premium-kunde forutsettes det at du har; Aktiv personkonto, produkter fra minst 5 produktgrupper, samt oppsparte midler på minst kr 500.000,- eller evne til å spare opp kr 500.000,- innen 3 år.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Premium","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"500 000","publiserFra":"10.06.2010","published":true,"modified":"26.02.2011","modifier":"brigitte","oppfolging":false,"id":102826},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakkeHref":"bank/produktpakke/102826","href":"bank/boliglan/224695","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.06.2010","produktpakkeNavn":"Premium","maks_alder":"100","publiserFra":"14.03.2013","published":true,"modified":"13.03.2013","modifier":"lars-kristian.fladby@nordea.no","oppfolging":false,"id":224695},{"navn":"Boliglån UNG med Premium","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån UNG med Premium","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nordea Bank Norge tilbyr boliglån til hele landet.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Tilbys kunder f.o.m 18 år og t.o.m 33 år. For å oppnå bankens beste rente forutsettes Fordel Pluss i vårt Fordelsprogram. Kunden kan refinansiere så mange ganger det er ønskelig og beholde Boliglån UNG renten, så lenge kunden er under 34 år. Dersom det er to låntakere er det alderen til den yngste som avgjør om man kan få Boliglån UNG eller ikke. Ingen etableringsgebyr beregnes for kunder med BSU konto i Nordea. Kunden kan finansiere opp til 85% av markedsverdi med sikkerhet i egen eiendom. Mulighet for inntil 100% finansiering da med krav om tilleggssikkerhet i annen eiendom, for individuell vurdering ta kontakt med banken. Boliglån UNG tilbys også med fastrente innenfor 85% av markedsverdi.\r\n\r\nFor å få denne gunstige rentesatsen må din aktive Brukskonto hos oss, hvor inntekter i form av lønn, pensjon, trygd, næringsinntekt og lignende går inn, også benyttes til kortbruk og betalinger minst 10 ganger per måned.\r\n\r\nI tillegg må du inngå en fast spareavtale på minimum kr 500 per måned til banksparing, eller til enhver tid ha minst kr 20.000 på dine banksparekonti hos oss.\r\n\r\nDu må ha et ryddig kundeforhold hos oss over tid, det vil si at du ikke har noen ubetalte terminer/purringer eller overtrekk på noen av de produktene du har hos oss. \r\n\r\nDersom noen av de nevnte vilkår ikke er oppfylt, vil renten på lånet/kreditten bli endret. Du vil bli varslet om endringen. \r\n","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"produktpakke":{"navn":"Premium","leverandor":{"bb_epost":"finansportalen@nordea.no","href":"leverandor/bank/371","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.nordea.no","bytt_bank_url":"http://www.nordea.no","bb_adresse1":"Account Services - Bankbytte","bb_adresse2":"Postboks 1166 Sentrum","bb_postnr":"0107","bb_poststed":"Oslo","bb_telefon":"06001","bb_telefaks":"22484050","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nordea Bank Norge tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Nordea Bank Norge tilbyr kundeforhold, banksparing og dagligbank tjenester til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.nordea.no","url":"http://www.nordea.no","navn":"Nordea","visningsnavn":"Nordea (Nordea Bank Norge ASA)","orgnr":"911044110","modified":"13.06.2012","modifier":"knutare@broadpark.no","tilbyrSph":true,"oppfolging":false,"id":371},"leverandorVisningsnavn":"Nordea (Nordea Bank Norge ASA)","leverandorUrl":"http://www.nordea.no","leverandorNavn":"Nordea (Nordea Bank Norge ASA)","leverandorHref":"leverandor/bank/371","produktpakke_arsgebyr":"0","href":"bank/produktpakke/102826","student":false,"spesielle_betingelser":"Premium er et kundeprogram for deg med høy sparekapital og god økonomi, som ønsker rådgivning innen sparing og investering.  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Me vil gje deg ein god start som bustadeigar. Me hjelper deg med informasjon og tips ved dei viktige vala i etableringsfasen, slik at du kan leva godt i din første bustad. Dette er Førsteheimslån: - Gunstig lån for deg som skal kjøpa din første bustad. - Du kan låna inntil 85% av kjøpesummen. - Du får låna til den lågaste renta i banken. - Gode råd og hjelp frå kunderådgjevarar som kan rekne ut låneevne, budsjett etc. Korleis betala bustadlånet? Du kan velja mellom annuitetslån og serielån. Med eit annuitetslån betalar du ein lik terminsum kvar månad. Med serielån betalar du eit fast avdrag på lånet kvar månad, pluss renter. BSU - Bustadsparing for ungdom er den smartaste måten å spara på for deg som er under 34 år. Du kan kjøpa sjølveigarbustad, burettslag-, aksje- eller obligasjonshusvære, eller du kan betala ned lån til ein bustad som du har kjøpt og flytta inn i etter at du starta sparinga. Opplyst utlånsrente er bankens laveste veiledende betingelser. 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I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.skagerakdirektebank.no/Sider/Forside2.aspx","navn":"SkagerakDirektebank.no","visningsnavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","orgnr":"937891245","modified":"21.09.2011","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":467},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@skagerakdirektebank.no","href":"leverandor/bank/467","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 2723","bb_adresse2":"","bb_postnr":"3702","bb_poststed":"Skien","bb_telefon":"35506200","bb_telefaks":"35962661","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. 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For å kvalifisere for DNB Boligkreditt må lånet knyttes til pant i egen boligeiendom inntil 75% av forsvarlig verdi. 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I Norge har SEB ca. 500 ansatte, og består av: SEB Enskilda, som er det største meglerhuset på Oslo Børs og rangert av kundene som det ledende meglerhuset i det profesjonelle markedet. Private Banking, som tilbyr alt fra økonomisk forvaltning til rådgivning for personer med formue eller en kompleks privatøkonomi. SEB Kort, som er en av Nordens største utstedere av betalings- og kredittkort. I Norge tilbyr SEB Kort ca 850.000 betalings- og kredittkort gjennom nettverkene Diners Club og Eurocard/MasterCard i privat- og bedriftsmarkedet. Merchant Banking, som betjener store og mellomstore bedrifter og institusjoner. SEB har et betydelig internasjonalt nettverk og er spesielt anerkjent for sine løsninger innen Cash Management og Verdipapirservice.","marked_generell":"Landsdekkende","marked_generell_info":"SEB har et bredt tilbud av tjenester til norske bedrifter, institusjoner, aktive investorer og solide privatpersoner med et bevisst forhold til egen økonomi. I Norge har SEB ca. 500 ansatte, og består av: SEB Enskilda, som er det største meglerhuset på Oslo Børs og rangert av kundene som det ledende meglerhuset i det profesjonelle markedet. Private Banking, som tilbyr alt fra økonomisk forvaltning til rådgivning for personer med formue eller en kompleks privatøkonomi. SEB Kort, som er en av Nordens største utstedere av betalings- og kredittkort. I Norge tilbyr SEB Kort ca 850.000 betalings- og kredittkort gjennom nettverkene Diners Club og Eurocard/MasterCard i privat- og bedriftsmarkedet. Merchant Banking, som betjener store og mellomstore bedrifter og institusjoner. SEB har et betydelig internasjonalt nettverk og er spesielt anerkjent for sine løsninger innen Cash Management og Verdipapirservice.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.seb.no","url":"http://www.seb.no","navn":"Skandinaviska Enskilda Banken AB","visningsnavn":"Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","orgnr":"971049944","modified":"07.01.2013","modifier":"henrik.dokmo@seb.no","tilbyrSph":false,"oppfolging":false,"id":279},"leverandorVisningsnavn":"Skandinaviska Enskilda Banken AB (Publ.) Oslofilialen","leverandorUrl":"http://www.seb.no","leverandorNavn":"Skandinaviska Enskilda Banken AB (Publ.) 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Lånet sikres med pant i den boligen du kjøper. Lånet kan ikke beholdes ved refinansiering eller overføres ved kjøp av ny bolig. Innvilgelse av Førstehjemslån forutsetter oppfyllelse av krav i kredittvurdering, samt vanlige krav til betjeningsevne.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"kundesenter@sor.no","href":"leverandor/bank/418","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Serviceboks 782 Stoa","bb_adresse2":"","bb_postnr":"4809","bb_poststed":"Arendal","bb_telefon":"09200","bb_telefaks":"37057241","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bankens markedsområde er Aust-Agder, Vest-Agder og Telemark.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bankens markedsområde er Aust-Agder, Vest-Agder og Telemark.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sor.no","navn":"Sparebanken Sør","visningsnavn":"Sparebanken Sør","orgnr":"937893566","modified":"01.02.2013","modifier":"ann-kristin.jorgensen@sor.no","tilbyrSph":false,"oppfolging":false,"id":418},"leverandorVisningsnavn":"Sparebanken Sør","leverandorUrl":"http://www.sor.no","leverandorNavn":"Sparebanken Sør","leverandorHref":"leverandor/bank/418","produktpakkeHref":"","href":"bank/boliglan/224925","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"06.05.2013","modifier":"ann-kristin.jorgensen@sor.no","oppfolging":false,"id":224925},{"navn":"75 % - 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Lån med sikkerhet i andre pantobjekter har 0,4 prosentpoeng\r\nhøyere rente.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"4,40","nominell_rente_1_b":"3,95","nominell_rente_1_c":"3,70","nominell_rente_1_d":"3,60","leverandor":{"bb_epost":"post@vang-spb.no","href":"leverandor/bank/275","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Lindalen","bb_adresse2":"","bb_postnr":"2975","bb_poststed":"Vang i Valdres","bb_telefon":"61367600","bb_telefaks":"61367601","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vang-spb.no","navn":"Vang Sparebank","visningsnavn":"Vang Sparebank","orgnr":"837888662","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":275},"produktpakke":{"navn":"Ubekymra","leverandor":{"bb_epost":"post@vang-spb.no","href":"leverandor/bank/275","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Lindalen","bb_adresse2":"","bb_postnr":"2975","bb_poststed":"Vang i Valdres","bb_telefon":"61367600","bb_telefaks":"61367601","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vang-spb.no","navn":"Vang Sparebank","visningsnavn":"Vang Sparebank","orgnr":"837888662","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":275},"leverandorVisningsnavn":"Vang Sparebank","leverandorUrl":"http://www.vang-spb.no","leverandorNavn":"Vang Sparebank","leverandorHref":"leverandor/bank/275","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1190","student":false,"spesielle_betingelser":"Vang Sparebank tilbyr både nye og gamle kunder vårt nye fordelsprogram Ubekymra. Her kan vi tilby en av markedets beste lånerenter innenfor 80% av verdigrunnlaget. Er du på utkikk etter din første bolig, tilbyr vi også førstehjemslån til meget fordelaktige renter. Ubekymra består av; Aktiv lønnskonto, Sparekonto, Lån, Kredittkort, Nettbank og Skadeforsikring.  Dine fordeler som ubekymra: En av markedets beste boligrenter innenfor 80%, konkurransedyktige betingelser på forsikringer, ingen transaksjonsgebyr for nettbank eller innenlands kortbruk, lønnskonto med god rente fra første krone, pt 1,40%, sparekonto med god rente fra første krone.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ubekymra","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"02.12.2009","published":true,"modified":"01.02.2012","modifier":"brigitte","oppfolging":false,"id":1190},"leverandorVisningsnavn":"Vang Sparebank","leverandorUrl":"http://www.vang-spb.no","leverandorNavn":"Vang Sparebank","leverandorHref":"leverandor/bank/275","produktpakkeHref":"bank/produktpakke/1190","href":"bank/boliglan/182521","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.12.2009","produktpakkeNavn":"Ubekymra","maks_alder":"100","publiserFra":"25.05.2012","published":true,"modified":"28.03.2012","modifier":"tore.hovda@vang-spb.no","oppfolging":false,"id":182521},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vi har ikke begrenset vårt markedsområde. Vi har/og ønsker kunder over hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"I Bjugn Sparebank får du boliglån til konkurransedyktige priser. Når den største og viktigste investeringen i livet skal gjøres er det viktig å ha en god rådgiver og samarbeidspartner. Når du skal låne er det to parter med i bildet, deg som kunde og oss som bank. Begge parter skal foreta vurderinger. I Bjugn Sparebank vil du og din rådgiver i fellesskap finne frem til den beste finansieringsløsningen for deg. Som din bank er vi opptatt av at du opptar lån som du kan leve med både i dag og i fremtiden. Hva hvis renten stiger, vil du fortsatt klare å betjene lånet? Hvordan vil kostnadene dine endre seg i fremtiden? Er du/dere riktig forsikret ved død/uførhet? Det er mange spørsmål å tenke igjennom. Ingen er tjent med å leve med for store lån i forhold til egen betalingsevne.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,75","leverandor":{"bb_epost":"post@bjugn-sparebank.no","href":"leverandor/bank/262","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Boks 232","bb_adresse2":"","bb_postnr":"7159","bb_poststed":"Bjugn","bb_telefon":"72 51 66 00","bb_telefaks":"72 51 66 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi har ikke begrenset vårt markedsområde. Vi har/og ønsker kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Vi har ikke begrenset vårt markedsområde. 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Vi har/og ønsker kunder over hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bjugn-sparebank.no","navn":"Bjugn Sparebank","visningsnavn":"Bjugn Sparebank","orgnr":"937902085","modified":"27.12.2012","modifier":"rm@bjugn-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":262},"leverandorVisningsnavn":"Bjugn Sparebank","leverandorUrl":"http://www.bjugn-sparebank.no","leverandorNavn":"Bjugn Sparebank","leverandorHref":"leverandor/bank/262","produktpakke_arsgebyr":"0","href":"bank/produktpakke/616","student":false,"spesielle_betingelser":"For lån forutsettes det at du har lønnskonto med kort og nettbank i Bjugn Sparebank.","pensjonist":false,"min_alder":"25","maks_alder":"100","produktpakke_navn":"Voksen","min_antall_produkter":"0","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"11.01.2008","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":616},"leverandorVisningsnavn":"Bjugn Sparebank","leverandorUrl":"http://www.bjugn-sparebank.no","leverandorNavn":"Bjugn Sparebank","leverandorHref":"leverandor/bank/262","produktpakkeHref":"bank/produktpakke/616","href":"bank/boliglan/174662","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.01.2008","produktpakkeNavn":"Voksen","maks_alder":"100","publiserFra":"03.09.2012","published":true,"modified":"27.12.2012","modifier":"rm@bjugn-sparebank.no","oppfolging":false,"id":174662},{"navn":"Boliglån 80 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån 80 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Forutsetter pant i bolig/fritidsbolig i fast eiendom, borettslags- eller aksjeleilighet. 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Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Forutsetter lønnskonto med lønnsinngang og  dagligbanktjenester i  Rindal Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","termingebyr_1_a":"40","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@rindalsbanken.no","href":"leverandor/bank/349","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6657","bb_poststed":"Rindal","bb_telefon":"71664000","bb_telefaks":"71664040","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra\r\n               Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Rindal Sparebank har sitt kontor i Rindal kommune, som ligger midt mellom Mørebyene og Trondheim (ca 1 1/2 times kjøring fra Trondheim). Våre personkunder er spredt over hele landet, mens vi for næringsengasjement har definert egen kommune som primærmarked.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rindalsbanken.no","navn":"Rindal Sparebank","visningsnavn":"Rindal Sparebank","orgnr":"937900953","modified":"03.01.2012","modifier":"magne.bjoernstad@rindalsbanken.no","tilbyrSph":false,"oppfolging":false,"id":349},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178419","student":false,"spesielle_betingelser":"Ved innvilgelse av boliglån forutsettes det at kundeforhold etableres med bruks-/lønnnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":178419},"leverandorVisningsnavn":"Rindal Sparebank","leverandorUrl":"http://www.rindalsbanken.no","leverandorNavn":"Rindal Sparebank","leverandorHref":"leverandor/bank/349","produktpakkeHref":"bank/produktpakke/178419","href":"bank/boliglan/112667","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"01.04.2012","published":true,"modified":"02.04.2012","modifier":"magne.bjoernstad@rindalsbanken.no","oppfolging":false,"id":112667},{"navn":"Flexilån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"3 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt primære markedsområde er Nord-Norge og Svalbard, men vi gir også, etter individuell vurdering, lån til kunder i andre\n               deler av landet.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"20","rentebinding_ar":"0","forbehold":" Flexilån krever 1. prioritetspant i boligen. Med flexilån får du en låneramme på inntil 70 % av verdien på din bolig. Pengene disponerer du selv, enten i nettbanken eller telefonbanken. Fordeler med flexilån - Flexilån gir deg en låneramme på inntil 70 % av verdien på din bolig. Du kan fritt bruke lånerammen til det du måtte ønske, uten å søke om nytt lån. Du overfører selv penger fra lånekontoen, enten i nettbanken eller telefonbanken. Renten er den samme som for boliglån.  Du bestemmer selv når du vil betale avdrag, så lenge du er innenfor rammen på ditt flexilån. Du betaler ingen ekstra omkostninger når du bruker av lånet. Hvordan fungerer flexilån? Størrelsen på lånerammen du får på ditt flexilån er avhengig av verdien på din bolig og belåningsgrad. Renten fastsettes individuelt ut fra en vurdering av belåningsgrad, betjeningsevne og øvrig kundeforhold.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"75","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"75","min_belop_c":"2 000 000","termingebyr_1_c":"75","nominell_rente_1_a":"4,70","nominell_rente_1_b":"4,10","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"02244@snn.no","href":"leverandor/bank/341","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgata 65","bb_adresse2":"Postboks 6800","bb_postnr":"9298","bb_poststed":"Tromsø","bb_telefon":"02244","bb_telefaks":"77622022","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primære markedsområde er Nord-Norge og Svalbard, men vi gir også, etter individuell vurdering, lån til kunder i andre\n               deler av landet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Nord-Norge og Svalbard.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.snn.no","navn":"SpareBank 1 Nord-Norge","visningsnavn":"SpareBank 1 Nord-Norge","orgnr":"952706365","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":341},"produktpakke":{"navn":"Hovedkunde","leverandor":{"bb_epost":"02244@snn.no","href":"leverandor/bank/341","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgata 65","bb_adresse2":"Postboks 6800","bb_postnr":"9298","bb_poststed":"Tromsø","bb_telefon":"02244","bb_telefaks":"77622022","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primære markedsområde er Nord-Norge og Svalbard, men vi gir også, etter individuell vurdering, lån til kunder i andre\n               deler av landet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Nord-Norge og Svalbard.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.snn.no","navn":"SpareBank 1 Nord-Norge","visningsnavn":"SpareBank 1 Nord-Norge","orgnr":"952706365","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":341},"leverandorVisningsnavn":"SpareBank 1 Nord-Norge","leverandorUrl":"http://www.snn.no","leverandorNavn":"SpareBank 1 Nord-Norge","leverandorHref":"leverandor/bank/341","produktpakke_arsgebyr":"0","href":"bank/produktpakke/182448","student":false,"spesielle_betingelser":"Som hovedkunde har du Fri Bruk og spareavtale på minimum kr 500,- eller sparekapital på kr 20.000,-","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Hovedkunde","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"27.03.2012","published":true,"modified":"27.03.2012","modifier":"halvard.salamonsen@snn.no","oppfolging":false,"id":182448},"leverandorVisningsnavn":"SpareBank 1 Nord-Norge","leverandorUrl":"http://www.snn.no","leverandorNavn":"SpareBank 1 Nord-Norge","leverandorHref":"leverandor/bank/341","produktpakkeHref":"bank/produktpakke/182448","href":"bank/boliglan/46543","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"27.03.2012","produktpakkeNavn":"Hovedkunde","maks_alder":"100","publiserFra":"12.03.2013","published":true,"modified":"11.03.2013","modifier":"halvard.salamonsen@snn.no","oppfolging":false,"id":46543},{"navn":"Livsløpslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"3 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Livsløpslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt primære markedsområde er Nord-Norge og Svalbard, men vi gir også, etter individuell vurdering, lån til kunder i andre\n               deler av landet.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Livsløpslån er et avdragsfritt lån. Med livsløpslån betaler du altså bare renter på lånet. Avdraget du slipper å betale kan du bruke til hva du måtte ønske. Har du et boliglån som er innenfor 60 % av verdien på din bolig, kan du gjøre lånet om til livsløpslån. 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Renten belastes AiE kontoen som Boligkreditten er tilknyttet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","termingebyr_1_a":"0","nominell_rente_1_a":"3,735","leverandor":{"bb_epost":"kundeservice@skandiabanken.no","href":"leverandor/bank/291","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.skandiabanken.no","bytt_bank_url":"http://www.skandiabanken.no","bb_adresse1":"Postboks 7077","bb_adresse2":"","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"81001001","bb_telefaks":"55600100","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi tilbyr boliglån i hele Norge, med unntak av Svalbard.","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr kundeforhold, banksparing og dagligbank tjenester i hele Norge.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.skandiabanken.no","url":"http://www.skandiabanken.no","navn":"SkandiaBanken AB","visningsnavn":"Skandiabanken","orgnr":"981291220","modified":"28.02.2012","modifier":"morten.svellingen@skandiabanken.no","tilbyrSph":true,"oppfolging":false,"id":291},"leverandorVisningsnavn":"Skandiabanken","leverandorUrl":"http://www.skandiabanken.no","leverandorNavn":"Skandiabanken","leverandorHref":"leverandor/bank/291","produktpakkeHref":"","href":"bank/boliglan/182627","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"21","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"29.05.2012","published":true,"modified":"15.05.2012","modifier":"morten.svellingen@skandiabanken.no","oppfolging":false,"id":182627},{"navn":"Flexilån","max_lopetid":"50","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt primærområde for boliglån er Trondheimsregionen. 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Vilkår for lånet er; sikkerhet innenfor 70% av takst/verdigrunnlag, samme rente som for tilsvarende nedbetalingslån, jfr gjeldende prisliste, månedlig rente belastes lånet eller en annen konto, terminomkostning kr. 35,-  og gebyr ved bruk av rammen kr 0,-.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"35","min_belop_b":"2 000 000","termingebyr_1_b":"35","nominell_rente_1_a":"4,55","nominell_rente_1_b":"4,35","leverandor":{"bb_epost":"post@klabu-sparebank.no","href":"leverandor/bank/329","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 85","bb_adresse2":"","bb_postnr":"7541","bb_poststed":"Klæbu","bb_telefon":"04358","bb_telefaks":"72830050","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primærområde for boliglån er Trondheimsregionen. 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","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"LO-favør","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.05.2012","published":true,"modified":"04.05.2012","modifier":"brigitte","oppfolging":false,"id":188706},"leverandorVisningsnavn":"SpareBank 1 SMN","leverandorUrl":"http://www.smn.no","leverandorNavn":"SpareBank 1 SMN","leverandorHref":"leverandor/bank/342","produktpakkeHref":"bank/produktpakke/188706","href":"bank/boliglan/46567","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.05.2012","produktpakkeNavn":"LO-favør","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"arne.nypan@smn.no","oppfolging":false,"id":46567},{"navn":"BAU - Boliglån Aktiv Ung","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"600","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"BAU - Boliglån Aktiv Ung","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi skal være det naturlige bankvalget for alle i Oppdal og vi skal være en viktig bidragsyter og medspiller for å utvikle\n               bygda videre.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,55","leverandor":{"bb_epost":"post@oppdalsbanken.no","href":"leverandor/bank/355","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"O. 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Sjølv om me etter måten er\n               ein liten sparebank, har me mange kundar over heile landet, mykje takka vere utflytta setesdølar. Me har filial på Rysstad,\n               og eit avdelingskontor i Kristiansand. Av banktenester dekker me det meste, slik som innskot, utlån, kort, betalingsformidling,\n               valuta, forsikringar, aksjehandel på internett og personleg økonomisk rådgjeving m.m.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@valle-sparebank.no","href":"leverandor/bank/301","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Pb.53","bb_adresse2":"Sentrum","bb_postnr":"4747","bb_poststed":"Valle","bb_telefon":"37 93 60 60","bb_telefaks":"37 93 72 60","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Valle Sparebank er ein liten, solid og sjølvstendig bank med hovudkontor i hjarta av Setesdal. Sjølv om me etter måten er\n               ein liten sparebank, har me mange kundar over heile landet, mykje takka vere utflytta setesdølar. Me har filial på Rysstad,\n               og eit avdelingskontor i Kristiansand. Av banktenester dekker me det meste, slik som innskot, utlån, kort, betalingsformidling,\n               valuta, forsikringar, aksjehandel på internett og personleg økonomisk rådgjeving m.m.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Valle Sparebank er ein liten, solid og sjølvstendig bank med hovudkontor i hjarta av Setesdal. Sjølv om me etter måten er\n               ein liten sparebank, har me mange kundar over heile landet, mykje takka vere utflytta setesdølar. Me har filial på Rysstad,\n               og eit avdelingskontor i Kristiansand. Av banktenester dekker me det meste, slik som innskot, utlån, kort, betalingsformidling,\n               valuta, forsikringar, aksjehandel på internett og personleg økonomisk rådgjeving m.m.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.valle-sparebank.no","navn":"Valle Sparebank","visningsnavn":"Valle Sparebank","orgnr":"937893922","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":301},"leverandorVisningsnavn":"Valle Sparebank","leverandorUrl":"http://www.valle-sparebank.no","leverandorNavn":"Valle Sparebank","leverandorHref":"leverandor/bank/301","produktpakkeHref":"","href":"bank/boliglan/208854","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"02.04.2013","published":true,"modified":"02.04.2013","modifier":"kare.rike@valle-sparebank.no","oppfolging":false,"id":208854},{"navn":"Lån innanfor 60% Eika Boligkreditt","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Lån innanfor 60% Eika Boligkreditt","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Boliglån med flytende rente følger utviklingen i markedsrenten. Det billigste alternativet over tid. Kan kombineres med et fastrentelån. Avdragsfritt inntil 10 år. Om lånet: Serielån nedbetales med like avdrag hver måned, rentedelen avtar over tid. Annuitetslån nedbetales med samme beløp hver måned. Bytte bolig i bindingsperioden. Etterskuddsvis renteberegning. Mulighet for gunstig finansiering gjennom Eika BoligKreditt. Løpetid inntil 30 år. Kan endres til fast rente. Opplyst utlånsrente forutsetter at lånet etableres i Eika Boligkreditt.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178302","student":false,"spesielle_betingelser":"Boliglån forutsetter etablering av kundeforhold med lønns-/brukskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178302},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/178302","href":"bank/boliglan/129869","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"150","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129869},{"navn":"Lån innanfor 60% Eika Boligkreditt ISSB Total","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Lån innanfor 60% Eika Boligkreditt ISSB Total","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Boliglån med flytende rente følger utviklingen i markedsrenten. Det billigste alternativet over tid. Kan kombineres med et fastrentelån. Avdragsfritt inntil 10 år. Om lånet: Serielån nedbetales med like avdrag hver måned, rentedelen avtar over tid. Annuitetslån nedbetales med samme beløp hver måned. Bytte bolig i bindingsperioden. Etterskuddsvis renteberegning. Mulighet for gunstig finansiering gjennom Eika BoligKreditt. Løpetid inntil 30 år. Kan endres til fast rente. I tillegg til tilfredsstillende sikkerhet forutsetter opplyst utlånsrente at lånet etableres i Eika Boligkreditt og at man tilfredsstiller vilkårene for og inngår avtale om fordelsprogram i Indre Sogn Sparebank. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,85","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"ISSB Total","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/129863","student":false,"spesielle_betingelser":"ISSB Total føresetter at du har lønskonto, sparekonto, betalingskort og nettbank med nettpost i Indre\r\nSogn Sparebank. Dersom du har lån med pant i fast eigedom så må dette finansierast i banken. Vi\r\ntilbyr og telebank/SMS-bank.\r\n\r\nDet skal til ei kvar tid være inneståande minimum kr 20 000,- i valfritt spareprodukt hjå Indre Sogn\r\nSparebank (kapitalkonto, fastrentekonto, eller verdipapirkonto).","pensjonist":false,"min_alder":"30","maks_alder":"150","produktpakke_navn":"ISSB Total","min_antall_produkter":"5","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"11.02.2011","published":true,"modified":"16.05.2012","modifier":"stine.fossen@indresognsparebank.no","oppfolging":false,"id":129863},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/129863","href":"bank/boliglan/188768","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2011","produktpakkeNavn":"ISSB Total","maks_alder":"150","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":188768},{"navn":"Litt Extra, Seniorlån for de over 60 år","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"50","trapp_type":"hele","produktnavn":"Litt Extra, Seniorlån for de over 60 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"30","rentebinding_ar":"0","forbehold":"Et trygt finansieringstilbud for deg/dere over 60 år. Med Litt Extra: Beholder du/dere eierskapet i boligen, og får en livsvarig garanti om å kunne bo i boligen. Betales det ikke renter, da påløpte renter tillegges lånets hovedstol. Får du/dere større økonomisk fleksibilitet og trygghet. Alle som er over 60 år og som eier og bor i boligen som er panteobjekt, kan søke om Litt Extra. Verdien på boligen må dokumenteres i ny takst av godkjent takserer. 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Har du offentlig tjenestepensjon i KLP? 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Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakke_arsgebyr":"0","href":"bank/produktpakke/218200","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at terminbeløp (renter, avdrag og termingebyr) for lånet belastes konto i Vik Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"30.01.2013","published":true,"modified":"30.01.2013","modifier":"brigitte","oppfolging":false,"id":218200},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakkeHref":"bank/produktpakke/218200","href":"bank/boliglan/229711","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"30.01.2013","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"23.04.2013","published":true,"modified":"29.04.2013","modifier":"britt@viksparebank.no","oppfolging":false,"id":229711},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 500","depotgebyr":"250","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Flexilån er et lån som gir deg økonomisk frihet til å gjøre det du ønsker når det passer deg. Du bestemmer selv hvor mye og når du ønsker å betale. Fleksilån fungerer som en kreditt på kontoen. Du bestemmer selv hvor mye og når du skal betale på lånet, innenfor den rammen som er innvilget. Du kan også øke lånet ved å overføre til din ordinære bankkonto, uten å måtte kontakte banken. Som hovedregel vil vi anbefale at det betales inn på fleksilånet med faste månedlige beløp. Men i perioder kan det være greit å slippe å betale på lånet, og da kan du ordne dette selv i NettBanken. Et lån for deg med god og ordnet økonomi. Passer for deg som har betalt ned en del på lånet og har store verdier i fast eiendom. Tilgang til lånet via NettBank/TeleBank. Nedbetaling av lånet bestemmer du selv, så lenge du er innfor den rammen du har avtalt.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"post@time-sparebank.no","href":"leverandor/bank/307","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 325","bb_adresse2":"","bb_postnr":"4349","bb_poststed":"Bryne","bb_telefon":"51 77 91 00","bb_telefaks":"51 48 36 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.time-sparebank.no","navn":"Time Sparebank","visningsnavn":"Time Sparebank","orgnr":"937896204","modified":"11.05.2012","modifier":"ola.auglend@time-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":307},"leverandorVisningsnavn":"Time Sparebank","leverandorUrl":"http://www.time-sparebank.no","leverandorNavn":"Time Sparebank","leverandorHref":"leverandor/bank/307","produktpakkeHref":"","href":"bank/boliglan/46741","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"05.05.2013","published":true,"modified":"13.05.2013","modifier":"ola.auglend@time-sparebank.no","oppfolging":false,"id":46741},{"navn":"Boliglån 85 %","max_lopetid":"40","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån 85 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vi tilbyr boliglån i hele Norge, med unntak av Svalbard.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"20","rentebinding_ar":"0","forbehold":"Vi forutsetter innbetaling av terminbeløp via AvtaleGiro.\r\nDet er ikke krav om andre produkter i Skandiabanken for å få boliglån, men forutsetter at du er/blir kunde og du får da tilgang til innlogging nettbank og en brukskonto(som du kan velge selv om du ønsker å benytte).","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","max_belop_a":"1 999 999","termingebyr_1_a":"0","min_belop_b":"2 000 000","termingebyr_1_b":"0","nominell_rente_1_a":"3,977","nominell_rente_1_b":"3,687","leverandor":{"bb_epost":"kundeservice@skandiabanken.no","href":"leverandor/bank/291","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.skandiabanken.no","bytt_bank_url":"http://www.skandiabanken.no","bb_adresse1":"Postboks 7077","bb_adresse2":"","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"81001001","bb_telefaks":"55600100","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi tilbyr boliglån i hele Norge, med unntak av Svalbard.","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr kundeforhold, banksparing og dagligbank tjenester i hele Norge.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.skandiabanken.no","url":"http://www.skandiabanken.no","navn":"SkandiaBanken AB","visningsnavn":"Skandiabanken","orgnr":"981291220","modified":"28.02.2012","modifier":"morten.svellingen@skandiabanken.no","tilbyrSph":true,"oppfolging":false,"id":291},"leverandorVisningsnavn":"Skandiabanken","leverandorUrl":"http://www.skandiabanken.no","leverandorNavn":"Skandiabanken","leverandorHref":"leverandor/bank/291","produktpakkeHref":"","href":"bank/boliglan/182615","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"21","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"29.03.2012","published":true,"modified":"31.05.2013","modifier":"brigitte","oppfolging":false,"id":182615},{"navn":"Fastrente 60% 5 år","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fastrente 60% 5 år","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"5","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,00","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178169","student":false,"spesielle_betingelser":"For innvilgelse av boliglånssøknad forutsettes det at du etablerer kundeforhold med bruks-/lønnskonto med lønnsinngang. Terminbeløp dvs. renter, avdrag og termingebyr vil bli belastet bruks-/lønnskontoen på avtalte terminer.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"20.02.2012","published":true,"modified":"20.02.2012","modifier":"brigitte","oppfolging":false,"id":178169},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/178169","href":"bank/boliglan/46233","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"20.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"12.02.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":46233},{"navn":"Fastrente 80% 3 år","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Fastrente 80% 3 år","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"3","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.oslo.sparebank1.no/","url":"http://www.oslo.sparebank1.no/","navn":"Bank 1 Oslo","visningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","orgnr":"910256351","modified":"13.02.2013","modifier":"tormod.andersen@sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":288},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178169","student":false,"spesielle_betingelser":"For innvilgelse av boliglånssøknad forutsettes det at du etablerer kundeforhold med bruks-/lønnskonto med lønnsinngang. Terminbeløp dvs. renter, avdrag og termingebyr vil bli belastet bruks-/lønnskontoen på avtalte terminer.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"20.02.2012","published":true,"modified":"20.02.2012","modifier":"brigitte","oppfolging":false,"id":178169},"leverandorVisningsnavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorUrl":"http://www.oslo.sparebank1.no/","leverandorNavn":"Bank 1 Oslo Akershus AS (SpareBank 1 Oslo Akershus)","leverandorHref":"leverandor/bank/288","produktpakkeHref":"bank/produktpakke/178169","href":"bank/boliglan/46173","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"20.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"12.02.2013","published":true,"modified":"15.03.2013","modifier":"tormod.andersen@sparebank1.no","oppfolging":false,"id":46173},{"navn":"Flexilån","max_lopetid":"25","kap_periode":"1","provisjon":"0,017","etableringsgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Tilbyr boliglån til kunder i Etne.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Etne Sparebank tilbyr flexilån der du sjølv bestemmer nedbetalingstempoet. Lånet gir deg ekstra disponible pengar på konto til ei kvar tid. Har du bustadlån der mykje allereie er nedbetalt, er dette ein god sjanse til å auka din økonomiske fridom. Flexilån må vera innafor 60% av bustaden sin verdi. Lånet fungerar som ein rammekreditt der du betaler renter og kostnadar i forhold til kor mykje du brukar av kreditten, og der du sjølv kan betala tilbake når du ynskjer det. Med Flexilån er du din eigen banksjef. Du har pengar disponibelt når du treng dei, enten det er uførutsette utgifter som dukkar opp, eller at det er på tide å gi liv til draumen om ny bil, ny båt eller ei reise. Pengane styrer du via nettbanken. Me anbefalar at du har ein eigen nedbetalingsplan for det du brukar av kreditten. Du bør også ha rom for å tåla ei renteauke på 3-4 prosentpoeng over dei neste åra. Med det som utgangspunkt vil Flexilån gi deg større økonomisk fridom. Provisjon på 0,017% pr månad kjem i tillegg. Kreditten løper i 10 år. Banken kan sei opp avtalen i løpet av perioden dersom bankens risiko aukar vesentleg. Opplyst utlånsrente er bankens laveste veiledende betingelser. Den endelige utlånsrente man vil få fastsettes etter individuell vurdering av lånesøknad og kundeforhold.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"post@etne-sparebank.no","href":"leverandor/bank/319","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 4","bb_adresse2":"","bb_postnr":"5591","bb_poststed":"Etne","bb_telefon":"53771500","bb_telefaks":"53771501","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Tilbyr boliglån til kunder i Etne.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank-tjenester til kunder i Etne.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.etne-sparebank.no","navn":"Etne Sparebank","visningsnavn":"Etne Sparebank","orgnr":"937897464","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":319},"produktpakke":{"navn":"Fordelsprogram","leverandor":{"bb_epost":"post@etne-sparebank.no","href":"leverandor/bank/319","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 4","bb_adresse2":"","bb_postnr":"5591","bb_poststed":"Etne","bb_telefon":"53771500","bb_telefaks":"53771501","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Tilbyr boliglån til kunder i Etne.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank-tjenester til kunder i Etne.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.etne-sparebank.no","navn":"Etne Sparebank","visningsnavn":"Etne Sparebank","orgnr":"937897464","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":319},"leverandorVisningsnavn":"Etne Sparebank","leverandorUrl":"http://www.etne-sparebank.no","leverandorNavn":"Etne Sparebank","leverandorHref":"leverandor/bank/319","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1196","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordelsprogram","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"250 000","publiserFra":"11.12.2009","published":true,"modified":"11.12.2009","modifier":"wenche.thorson@etne-sparebank.no","oppfolging":false,"id":1196},"leverandorVisningsnavn":"Etne Sparebank","leverandorUrl":"http://www.etne-sparebank.no","leverandorNavn":"Etne Sparebank","leverandorHref":"leverandor/bank/319","produktpakkeHref":"bank/produktpakke/1196","href":"bank/boliglan/183754","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.12.2009","produktpakkeNavn":"Fordelsprogram","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"18.03.2013","modifier":"wenche.thorson@etne-sparebank.no","oppfolging":false,"id":183754},{"navn":"BSU-lån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 250","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"BSU-lån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Sparer du i BSU får du mulighet for bankens gunstigste vilkår på boliglån til ditt første hus eller leilighet, å få finansiert inntil 85% av kjøpesummen. Forutsetningen for å få BSU-lån er at du har opprettet en BSU-konto (BoligSparing for Ungdom med skattefradrag) for minst 1 år siden, og at du har spart minimum kr 20.000- Sjekk om du kan få kommunalt startlån: Du kan også få fullfinansiert din første bolig gjennom et samarbeid mellom din kommune og banken. Kommunalt startlån er en svært rimelig toppfinansiering for unge i etableringsfasen og andre med etableringsproblemer i boligmarkedet. Banken finansierer inntil 85 prosent og kommunen resten. Budsjett gir bedre oversikt: Når du skal etablere deg i boligmarkedet kan det være lurt å ta en total gjennomgang av egen økonomi. Ved å sette opp et budsjett ser du hvor pengene tar veien, og du ser hvilke utgifter det lar seg gjøre å redusere. Termingebyr forutsetter at terminbeløp kan belastes automatisk bruks- eller lønnskonto i SpareBank 1 Ringerike Hadeland.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"firmapost@rhbank.no","href":"leverandor/bank/348","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Søndre Torv 6","bb_adresse2":"Postboks 518 Sentrum","bb_postnr":"3504","bb_poststed":"Hønefoss","bb_telefon":"02130","bb_telefaks":"32113301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rhbank.no","navn":"SpareBank 1 Ringerike Hadeland","visningsnavn":"SpareBank 1 Ringerike Hadeland","orgnr":"937889275","modified":"26.10.2011","modifier":"dag.engen@ringerike.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":348},"produktpakke":{"navn":"BSU-sparing","leverandor":{"bb_epost":"firmapost@rhbank.no","href":"leverandor/bank/348","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Søndre Torv 6","bb_adresse2":"Postboks 518 Sentrum","bb_postnr":"3504","bb_poststed":"Hønefoss","bb_telefon":"02130","bb_telefaks":"32113301","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Ringerike Hadeland skal være en selvstendig, lokal sparebank for Ringeriksregionen og tilby finansielle\r\n               tjenester til personkunder, små og mellomstore bedrifter, landbruket og offentlig sektor i bankens virkeområde.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.rhbank.no","navn":"SpareBank 1 Ringerike Hadeland","visningsnavn":"SpareBank 1 Ringerike Hadeland","orgnr":"937889275","modified":"26.10.2011","modifier":"dag.engen@ringerike.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":348},"leverandorVisningsnavn":"SpareBank 1 Ringerike Hadeland","leverandorUrl":"http://www.rhbank.no","leverandorNavn":"SpareBank 1 Ringerike Hadeland","leverandorHref":"leverandor/bank/348","produktpakke_arsgebyr":"0","href":"bank/produktpakke/153044","student":false,"spesielle_betingelser":"Sparer du i BSU får du mulighet for bankens gunstigste vilkår på boliglån til ditt første hus eller leilighet, og få finansiert inntil 85% av kjøpesummen. Forutsetningen for å få BSU-lån er at du har opprettet en BSU-konto (BoligSparing for Ungdom med skattefradrag) for minst 1 år siden, og at du har spart minimum kr 20.000.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU-sparing","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"20 000","publiserFra":"10.05.2012","published":false,"modified":"10.05.2012","modifier":"nelly","oppfolging":false,"id":153044},"leverandorVisningsnavn":"SpareBank 1 Ringerike Hadeland","leverandorUrl":"http://www.rhbank.no","leverandorNavn":"SpareBank 1 Ringerike Hadeland","leverandorHref":"leverandor/bank/348","produktpakkeHref":"bank/produktpakke/153044","href":"bank/boliglan/50413","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.05.2012","produktpakkeNavn":"BSU-sparing","maks_alder":"34","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"dag.engen@ringerike.sparebank1.no","oppfolging":false,"id":50413},{"navn":"Boliglån <60 % (boligkreditt)","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån <60 % (boligkreditt)","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Stadsbygd Sparebank har vært lokalbanken i Stadsbygd siden etableringen i 1892. Nå er vi lokalbank også for hele Rissa og Leksvik kommune.I tillegg til dette har vi en stor kundemasse også utenfor disse 2 kommunene.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"post@stbank.no","href":"leverandor/bank/274","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"7105","bb_poststed":"Stadsbygd","bb_telefon":"73855000","bb_telefaks":"73855001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Stadsbygd Sparebank har vært lokalbanken i Stadsbygd siden etableringen i 1892. Nå er vi lokalbank også for hele Rissa og Leksvik kommune.I tillegg til dette har vi en stor kundemasse også utenfor disse 2 kommunene.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Stadsbygd Sparebank har vært lokalbanken i Stadsbygd siden etableringen i 1892. Nå er vi lokalbank også for hele Rissa og Leksvik kommune.I tillegg til dette har vi en stor kundemasse også utenfor disse 2 kommunene.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.stbank.no","navn":"Stadsbygd Sparebank","visningsnavn":"Stadsbygd Sparebank","orgnr":"937902352","modified":"17.10.2011","modifier":"egil.hammer@stadsbygd-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":274},"produktpakke":{"navn":"Brukskonto med lønnsinngang ","leverandor":{"bb_epost":"post@stbank.no","href":"leverandor/bank/274","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"7105","bb_poststed":"Stadsbygd","bb_telefon":"73855000","bb_telefaks":"73855001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Stadsbygd Sparebank har vært lokalbanken i Stadsbygd siden etableringen i 1892. Nå er vi lokalbank også for hele Rissa og Leksvik kommune.I tillegg til dette har vi en stor kundemasse også utenfor disse 2 kommunene.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Stadsbygd Sparebank har vært lokalbanken i Stadsbygd siden etableringen i 1892. Nå er vi lokalbank også for hele Rissa og Leksvik kommune.I tillegg til dette har vi en stor kundemasse også utenfor disse 2 kommunene.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.stbank.no","navn":"Stadsbygd Sparebank","visningsnavn":"Stadsbygd Sparebank","orgnr":"937902352","modified":"17.10.2011","modifier":"egil.hammer@stadsbygd-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":274},"leverandorVisningsnavn":"Stadsbygd Sparebank","leverandorUrl":"http://www.stbank.no","leverandorNavn":"Stadsbygd Sparebank","leverandorHref":"leverandor/bank/274","produktpakke_arsgebyr":"0","href":"bank/produktpakke/220878","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at termbeløpet blir belastet brukskonto med lønnsinngang. Flexilån og brukskonto administrer du gjennom nettbank. BankID fra annen bank kan benyttes ved pålogging til nettbanken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang ","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"11.02.2013","published":true,"modified":"11.02.2013","modifier":"brigitte","oppfolging":false,"id":220878},"leverandorVisningsnavn":"Stadsbygd Sparebank","leverandorUrl":"http://www.stbank.no","leverandorNavn":"Stadsbygd Sparebank","leverandorHref":"leverandor/bank/274","produktpakkeHref":"bank/produktpakke/220878","href":"bank/boliglan/49369","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.02.2013","produktpakkeNavn":"Brukskonto med lønnsinngang ","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"26.03.2013","modifier":"egil.hammer@stadsbygd-sparebank.no","oppfolging":false,"id":49369},{"navn":"Flexilån 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån 70 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"4,75","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. 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Som en generell regel bør du ikke spekulere i lån med fast rente for å tjene penger. Dersom du ønsker å binde renten, bør motivet være trygghet i hverdagen med forutsigbare renteutgifter. Et lån med fast rente kan du gjerne kombinere med et lån med flytende rente, dvs. binde renten på deler av lånet. Fordeler: Lettere å planlegge privatøkonomien. Fordel dersom rentenivået på flytende lån stiger. Rentenivået på lån med fast rente stiger – eventuell utbetaling av underkurs. Ulemper: Ingen fleksibilitet i kontraktsperioden i forhold til ekstra innbetalinger, utsettelser, avdragsfrihet, innfrielser osv. kan ikke foretas uten at det beregnes rentetapserstatning. Ingen automatikk i forhold til bytte av sikkerhet ved for eksempel salg av bolig eller bytte av lånetagere. Endringer av privatøkonomien som skilsmisse, flytting, arv, pengepremier osv. Rentenivået på lån med fast rente synker – eventuell innbetaling av overkurs.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"02244@snn.no","href":"leverandor/bank/341","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgata 65","bb_adresse2":"Postboks 6800","bb_postnr":"9298","bb_poststed":"Tromsø","bb_telefon":"02244","bb_telefaks":"77622022","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primære markedsområde er Nord-Norge og Svalbard, men vi gir også, etter individuell vurdering, lån til kunder i andre\n               deler av landet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Nord-Norge og Svalbard.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.snn.no","navn":"SpareBank 1 Nord-Norge","visningsnavn":"SpareBank 1 Nord-Norge","orgnr":"952706365","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":341},"produktpakke":{"navn":"Hovedkunde","leverandor":{"bb_epost":"02244@snn.no","href":"leverandor/bank/341","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgata 65","bb_adresse2":"Postboks 6800","bb_postnr":"9298","bb_poststed":"Tromsø","bb_telefon":"02244","bb_telefaks":"77622022","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primære markedsområde er Nord-Norge og Svalbard, men vi gir også, etter individuell vurdering, lån til kunder i andre\n               deler av landet.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Nord-Norge og Svalbard.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.snn.no","navn":"SpareBank 1 Nord-Norge","visningsnavn":"SpareBank 1 Nord-Norge","orgnr":"952706365","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":341},"leverandorVisningsnavn":"SpareBank 1 Nord-Norge","leverandorUrl":"http://www.snn.no","leverandorNavn":"SpareBank 1 Nord-Norge","leverandorHref":"leverandor/bank/341","produktpakke_arsgebyr":"0","href":"bank/produktpakke/182448","student":false,"spesielle_betingelser":"Som hovedkunde har du Fri Bruk og spareavtale på minimum kr 500,- eller sparekapital på kr 20.000,-","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Hovedkunde","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"27.03.2012","published":true,"modified":"27.03.2012","modifier":"halvard.salamonsen@snn.no","oppfolging":false,"id":182448},"leverandorVisningsnavn":"SpareBank 1 Nord-Norge","leverandorUrl":"http://www.snn.no","leverandorNavn":"SpareBank 1 Nord-Norge","leverandorHref":"leverandor/bank/341","produktpakkeHref":"bank/produktpakke/182448","href":"bank/boliglan/144114","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"27.03.2012","produktpakkeNavn":"Hovedkunde","maks_alder":"100","publiserFra":"24.04.2013","published":true,"modified":"24.04.2013","modifier":"halvard.salamonsen@snn.no","oppfolging":false,"id":144114},{"navn":"BLU - boliglån ungdom","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"BLU - boliglån ungdom","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt primærområde for boliglån er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi gir også boliglån til utflyttede fra vårt primærområde.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"BSU konto opprettet før boligkjøpet","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@slidrebanken.no","href":"leverandor/bank/298","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Posboks 24","bb_adresse2":"","bb_postnr":"2966","bb_poststed":"Slidre","bb_telefon":"61343600","bb_telefaks":"61343620","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primærområde for boliglån er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi gir også boliglån til utflyttede fra vårt primærområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi yter også banktjenester for utflyttede fra vårt primærområde. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.slidrebanken.no","navn":"Vestre Slidre Sparebank","visningsnavn":"Vestre Slidre Sparebank","orgnr":"937888759","modified":"06.05.2013","modifier":"espen@slidrebanken.no","tilbyrSph":false,"oppfolging":false,"id":298},"produktpakke":{"navn":"BSU & lønnskonto","leverandor":{"bb_epost":"post@slidrebanken.no","href":"leverandor/bank/298","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Posboks 24","bb_adresse2":"","bb_postnr":"2966","bb_poststed":"Slidre","bb_telefon":"61343600","bb_telefaks":"61343620","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primærområde for boliglån er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi gir også boliglån til utflyttede fra vårt primærområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde er Veste Slidre Kommune i tillegg deler av øvre Valdres. Vi yter også banktjenester for utflyttede fra vårt primærområde. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.slidrebanken.no","navn":"Vestre Slidre Sparebank","visningsnavn":"Vestre Slidre Sparebank","orgnr":"937888759","modified":"06.05.2013","modifier":"espen@slidrebanken.no","tilbyrSph":false,"oppfolging":false,"id":298},"leverandorVisningsnavn":"Vestre Slidre Sparebank","leverandorUrl":"http://www.slidrebanken.no","leverandorNavn":"Vestre Slidre Sparebank","leverandorHref":"leverandor/bank/298","produktpakke_arsgebyr":"0","href":"bank/produktpakke/179611","student":false,"spesielle_betingelser":"BLU boliglån forutsetter BSU konto opprettet før boligkjøpet, samt brukskonto med lønnsinngang","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"BSU & lønnskonto","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"08.03.2012","published":true,"modified":"08.03.2012","modifier":"brigitte","oppfolging":false,"id":179611},"leverandorVisningsnavn":"Vestre Slidre Sparebank","leverandorUrl":"http://www.slidrebanken.no","leverandorNavn":"Vestre Slidre Sparebank","leverandorHref":"leverandor/bank/298","produktpakkeHref":"bank/produktpakke/179611","href":"bank/boliglan/230636","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"08.03.2012","produktpakkeNavn":"BSU & lønnskonto","maks_alder":"34","publiserFra":"06.05.2013","published":true,"modified":"06.05.2013","modifier":"espen@slidrebanken.no","oppfolging":false,"id":230636},{"navn":"Flexilån","max_lopetid":"10","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling,\r\n               lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Innenfor 60 % av verditakst. Etableringsgebyr, privat, 2% min. kr.500,- max kr 2.000 Flexilån -uttak i nettbank/kasse gebyr kr 100,-/250,-. Kontoholdsgebyr pr. mnd 50,-","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"post@sparekassen.no","href":"leverandor/bank/267","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"4801","bb_poststed":"Arendal","bb_telefon":"37 00 49 00","bb_telefaks":"37 00 49 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling,\r\n               lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling, lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparekassen.no","navn":"Arendal og Omegns Sparekasse","visningsnavn":"Arendal og Omegns Sparekasse","orgnr":"937894082","modified":"07.05.2012","modifier":"rune.kristoffersen@sparekassen.no","tilbyrSph":false,"oppfolging":false,"id":267},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"post@sparekassen.no","href":"leverandor/bank/267","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"4801","bb_poststed":"Arendal","bb_telefon":"37 00 49 00","bb_telefaks":"37 00 49 01","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling,\r\n               lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Arendal og Omegns Sparekasse ønsker å fremstå som din total leverandør av finansielle tjenester innen betalingsformidling, lån/finansiering/leasing, sparing i bank, aksjer, fond og forsikring.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparekassen.no","navn":"Arendal og Omegns Sparekasse","visningsnavn":"Arendal og Omegns Sparekasse","orgnr":"937894082","modified":"07.05.2012","modifier":"rune.kristoffersen@sparekassen.no","tilbyrSph":false,"oppfolging":false,"id":267},"leverandorVisningsnavn":"Arendal og Omegns Sparekasse","leverandorUrl":"http://www.sparekassen.no","leverandorNavn":"Arendal og Omegns Sparekasse","leverandorHref":"leverandor/bank/267","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1164","student":false,"spesielle_betingelser":"Termingebyr for belastning av terminbeløp lån forutsetter brukskonto","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"0","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"13.10.2009","published":true,"modified":"13.09.2012","modifier":"brigitte","oppfolging":false,"id":1164},"leverandorVisningsnavn":"Arendal og Omegns Sparekasse","leverandorUrl":"http://www.sparekassen.no","leverandorNavn":"Arendal og Omegns Sparekasse","leverandorHref":"leverandor/bank/267","produktpakkeHref":"bank/produktpakke/1164","href":"bank/boliglan/48129","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"13.10.2009","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"02.05.2013","published":true,"modified":"08.05.2013","modifier":"rune.kristoffersen@sparekassen.no","oppfolging":false,"id":48129},{"navn":"60% - Flytende","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 750","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"60% - Flytende","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Fra 1877 til i dag, uten\r\navbrudd, har Odal\r\nSparebank vært den\r\npersonlige, hjelpsomme og\r\npålitelige banken for vanlige\r\nfolk og bedrifter. I Odal\r\nSparebank møter du fortsatt\r\nekte smil fra ekte\r\nmennesker.\r\nBanken har fire kontorer –\r\nSand, Skarnes, Kongsvinger\r\nog Kløfta, med 46 ansatte og\r\nvel 3,9 milliarder kroner i\r\nforvaltningskapital.\r\nOdal Sparebank er en\r\nfrittstående bank med sterk\r\nlokal forankring. Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. Vi\r\narbeider for lokal vekst og\r\nutvikling, både i næring,\r\nkultur og idrett.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Etableringsgebyr er fra kr. 1.750,-. 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Sammen\r\nmed nær 80 andre\r\nlokalbanker og OBOS er vi\r\neiere av Eika-gruppen. 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Snakk med en rådgiver hos oss om hvordan du best finansierer kjøpet. Vi tilbyr lån til bolig/fritidseiendom tilpasset din økonomi. Det som avgjør lånebeløpets størrelse, er hvor stort lån du kan betjene og hva du kan stille som sikkerhet. Et nedbetalingslån utbetales i en sum og tilbakebetales etter avtalte terminer. Du kan selv velge om du vil tilbakebetale som annuitets- eller serielån. I et annuitetslån er betalingen lik i hver periode, såfremt renten ikke øker. Summen holder seg konstant, mens forholdet mellom renter og avdrag endrer seg i løpet av nedbetalingstiden. I et serielån er derimot avdragene like for hver periode. Den høyeste betalingen vil så være i starten av nedbetalingstiden, mens renten minsker etterhvert som lånet nedbetales og den periodiske betalingen blir mindre.","trapp_typeB":"intervall","trapp_typeC":"intervall","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","max_belaningsgrad_1_a":"75","max_belaningsgrad_1_b":"75","max_belaningsgrad_1_c":"75","max_belaningsgrad_2_a":"85","max_belaningsgrad_2_b":"85","max_belaningsgrad_2_c":"85","min_belaningsgrad_1_a":"0","min_belaningsgrad_1_b":"0","min_belaningsgrad_1_c":"0","min_belaningsgrad_2_a":"75","min_belaningsgrad_2_b":"75","min_belaningsgrad_2_c":"75","nominell_rente_1_a":"4,25","nominell_rente_2_a":"4,95","nominell_rente_1_b":"4,00","nominell_rente_2_b":"4,30","nominell_rente_1_c":"3,80","nominell_rente_2_c":"4,10","leverandor":{"bb_epost":"post@bien.no","href":"leverandor/bank/424","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 6790","bb_adresse2":"St. Olavs plass","bb_postnr":"0130","bb_poststed":"Oslo","bb_telefon":"02436","bb_telefaks":"22208833","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bien.no/Sider/forside.aspx","navn":"Bien Sparebank AS","visningsnavn":"Bien Sparebank AS","orgnr":"991853995","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":424},"produktpakke":{"navn":"BienPluss","leverandor":{"bb_epost":"post@bien.no","href":"leverandor/bank/424","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 6790","bb_adresse2":"St. Olavs plass","bb_postnr":"0130","bb_poststed":"Oslo","bb_telefon":"02436","bb_telefaks":"22208833","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bien Sparebank AS har Oslo og omegn som sitt markedsområde.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.bien.no/Sider/forside.aspx","navn":"Bien Sparebank AS","visningsnavn":"Bien Sparebank AS","orgnr":"991853995","modified":"23.05.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":424},"leverandorVisningsnavn":"Bien Sparebank AS","leverandorUrl":"http://www.bien.no/Sider/forside.aspx","leverandorNavn":"Bien Sparebank AS","leverandorHref":"leverandor/bank/424","produktpakke_arsgebyr":"0","href":"bank/produktpakke/900","student":false,"spesielle_betingelser":"Hvis du er nettbankkunde som har lønnskonto med Visakort, samt lån eller innskudd over 25.000,- kan du bli totalkunde hos oss. Gjennom BienPluss totalkundeprogram får du; Fast kontaktperson i banken. Gunstigere boliglånsrente. Gratis bruk av nettbank. Gratis bruk av kort ved varekjøp i Norge. Gratis kontantuttak i butikk og minibank i Norge. Kredittkort inkludert i produktet. Gratis bruk av kredittkort ved betalinger i inn- og utland. Gratis reise- og avbestillingsforsikring når minimum 50% av reisen er betalt med kredittkortet. Kredittkortet inkluderer forsikring for ID-Tyveri. Rentefri kreditt på kortbruk ved betaling innen 45 dager. Tilbud om person- og skadeforsikring. 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Dette forutsetter at du har BSU, samt egenkapital eller tilleggssikkerhet utenom. Forutsetter pant i bolig/fritidsbolig i fast eiendom, borettslags- eller aksjeleilighet. 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Her kan vi tilby en av markedets beste lånerenter innenfor 80% av verdigrunnlaget. Er du på utkikk etter din første bolig, tilbyr vi også førstehjemslån til meget fordelaktige renter. Ubekymra består av; Aktiv lønnskonto, Sparekonto, Lån, Kredittkort, Nettbank og Skadeforsikring.  Dine fordeler som ubekymra: En av markedets beste boligrenter innenfor 80%, konkurransedyktige betingelser på forsikringer, ingen transaksjonsgebyr for nettbank eller innenlands kortbruk, lønnskonto med god rente fra første krone, pt 1,40%, sparekonto med god rente fra første krone.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ubekymra etablert eller førstehjemslåner","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"02.12.2009","published":true,"modified":"29.02.2012","modifier":"brigitte","oppfolging":false,"id":178759},"leverandorVisningsnavn":"Vang Sparebank","leverandorUrl":"http://www.vang-spb.no","leverandorNavn":"Vang Sparebank","leverandorHref":"leverandor/bank/275","produktpakkeHref":"bank/produktpakke/178759","href":"bank/boliglan/182524","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.12.2009","produktpakkeNavn":"Ubekymra etablert eller førstehjemslåner","maks_alder":"34","publiserFra":"25.05.2012","published":true,"modified":"28.03.2012","modifier":"tore.hovda@vang-spb.no","oppfolging":false,"id":182524},{"navn":"Ubekymra over 80 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"90","trapp_type":"hele","produktnavn":"Ubekymra over 80 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Forutsetter pant i bolig/fritidsbolig i fast eiendom, borettslags- eller aksjeleilighet. Lån med sikkerhet i andre pantobjekter har 0,4 prosentpoeng\r\nhøyere rente.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"5,00","nominell_rente_1_b":"4,50","nominell_rente_1_c":"4,45","nominell_rente_1_d":"4,40","leverandor":{"bb_epost":"post@vang-spb.no","href":"leverandor/bank/275","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Lindalen","bb_adresse2":"","bb_postnr":"2975","bb_poststed":"Vang i Valdres","bb_telefon":"61367600","bb_telefaks":"61367601","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vang-spb.no","navn":"Vang Sparebank","visningsnavn":"Vang Sparebank","orgnr":"837888662","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":275},"produktpakke":{"navn":"Ubekymra","leverandor":{"bb_epost":"post@vang-spb.no","href":"leverandor/bank/275","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Lindalen","bb_adresse2":"","bb_postnr":"2975","bb_poststed":"Vang i Valdres","bb_telefon":"61367600","bb_telefaks":"61367601","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Vang Sparebank er en sparebank plassert i Valdres, som er åpen for kunder fra hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vang-spb.no","navn":"Vang Sparebank","visningsnavn":"Vang Sparebank","orgnr":"837888662","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":275},"leverandorVisningsnavn":"Vang Sparebank","leverandorUrl":"http://www.vang-spb.no","leverandorNavn":"Vang Sparebank","leverandorHref":"leverandor/bank/275","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1190","student":false,"spesielle_betingelser":"Vang Sparebank tilbyr både nye og gamle kunder vårt nye fordelsprogram Ubekymra. Her kan vi tilby en av markedets beste lånerenter innenfor 80% av verdigrunnlaget. Er du på utkikk etter din første bolig, tilbyr vi også førstehjemslån til meget fordelaktige renter. Ubekymra består av; Aktiv lønnskonto, Sparekonto, Lån, Kredittkort, Nettbank og Skadeforsikring.  Dine fordeler som ubekymra: En av markedets beste boligrenter innenfor 80%, konkurransedyktige betingelser på forsikringer, ingen transaksjonsgebyr for nettbank eller innenlands kortbruk, lønnskonto med god rente fra første krone, pt 1,40%, sparekonto med god rente fra første krone.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Ubekymra","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"02.12.2009","published":true,"modified":"01.02.2012","modifier":"brigitte","oppfolging":false,"id":1190},"leverandorVisningsnavn":"Vang Sparebank","leverandorUrl":"http://www.vang-spb.no","leverandorNavn":"Vang Sparebank","leverandorHref":"leverandor/bank/275","produktpakkeHref":"bank/produktpakke/1190","href":"bank/boliglan/182527","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.12.2009","produktpakkeNavn":"Ubekymra","maks_alder":"100","publiserFra":"25.05.2012","published":true,"modified":"28.03.2012","modifier":"tore.hovda@vang-spb.no","oppfolging":false,"id":182527},{"navn":"Boliglån 75 %","max_lopetid":"40","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vi tilbyr boliglån i hele Norge, med unntak av Svalbard.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"20","rentebinding_ar":"0","forbehold":"Vi forutsetter innbetaling av terminbeløp via AvtaleGiro.\r\nDet er ikke krav om andre produkter i Skandiabanken for å få boliglån, men forutsetter at du er/blir kunde og du får da tilgang til innlogging nettbank og en brukskonto(som du kan velge selv om du ønsker å benytte).","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","max_belop_a":"1 999 999","termingebyr_1_a":"0","min_belop_b":"2 000 000","termingebyr_1_b":"0","nominell_rente_1_a":"3,735","nominell_rente_1_b":"3,445","leverandor":{"bb_epost":"kundeservice@skandiabanken.no","href":"leverandor/bank/291","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.skandiabanken.no","bytt_bank_url":"http://www.skandiabanken.no","bb_adresse1":"Postboks 7077","bb_adresse2":"","bb_postnr":"5020","bb_poststed":"Bergen","bb_telefon":"81001001","bb_telefaks":"55600100","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi tilbyr boliglån i hele Norge, med unntak av Svalbard.","marked_generell":"Landsdekkende","marked_generell_info":"Vi tilbyr kundeforhold, banksparing og dagligbank tjenester i hele Norge.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.skandiabanken.no","url":"http://www.skandiabanken.no","navn":"SkandiaBanken AB","visningsnavn":"Skandiabanken","orgnr":"981291220","modified":"28.02.2012","modifier":"morten.svellingen@skandiabanken.no","tilbyrSph":true,"oppfolging":false,"id":291},"leverandorVisningsnavn":"Skandiabanken","leverandorUrl":"http://www.skandiabanken.no","leverandorNavn":"Skandiabanken","leverandorHref":"leverandor/bank/291","produktpakkeHref":"","href":"bank/boliglan/182607","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"21","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"29.03.2012","published":true,"modified":"30.03.2012","modifier":"morten.svellingen@skandiabanken.no","oppfolging":false,"id":182607},{"navn":"Sluselån (rammelån)","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Sluselån (rammelån)","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Sluselånet er et lån, hvor du selv ordner med uttak og innbetalinger når det passer. Sluselån betyr handlefrihet. Sluselånet er et fleksibelt lån i Marker Sparebank der du blir innvilget en kredittramme. Du betaler renter bare av det du til enhver tid benytter av kreditten. Lånet er fleksibelt i det du selv kan innvilge deg en sum innenfor rammen når du har behov, og uten å måtte forespørre banken i forkant. Lånebeløp: Inntil kr. 1.500.000,- og minimumsbeløpet er kr. 200.000,-. Sikkerhet: Pant i bolig, leilighet eller fritidsbolig innenfor 60% av eiendommens verdi. Nedbetaling: Kreditten innvilges for 5 år om gangen. Etter 5 år vil rammekreditten enten fornyes eller konverteres til et nedbetalingslån. Man velger selv hvor mye og hvor ofte en vil nedbetale på Sluselånet. Vi anbefaler at det minimum innbetales påløpne renter/omkostninger. Kostnader: Etableringsomkostninger fra kr. 1.500,- samt en kontoholdskostnad på kr. 50,- pr. mnd. for å ha kreditten tilgjengelig. Inn-/utbetalinger: Beløp som er disponibelt innenfor kredittrammen kan overføres til aktuell konto via nettbank eller ved beskjed til oss. Dersom man ønsker å gjøre innbetalinger på Sluselånet, kan det skje gjennom overføring i nettbanken eller i banken. Sluselån for deg som ønsker fleksibilitet og handlefrihet!","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"2 000 000","termingebyr_1_a":"50","nominell_rente_1_a":"4,30","leverandor":{"bb_epost":"epost@marker-sparebank.no","href":"leverandor/bank/365","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 144","bb_adresse2":"","bb_postnr":"1871","bb_poststed":"Ørje","bb_telefon":"69810400","bb_telefaks":"69810402","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Primærområdet for kundeforhold, banksparing og dagligbank-tjenester i første rekke våre kontorkommuner Marker, Aremark, Rakkestad,\r\n               Rømskog og Moss. Men det er generelt ingen geografisk begrensning.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.marker-sparebank.no","navn":"Marker Sparebank","visningsnavn":"Marker Sparebank","orgnr":"937884672","modified":"25.05.2012","modifier":"tor.fjeld@marker-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":365},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"epost@marker-sparebank.no","href":"leverandor/bank/365","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 144","bb_adresse2":"","bb_postnr":"1871","bb_poststed":"Ørje","bb_telefon":"69810400","bb_telefaks":"69810402","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Primærområdet for boliglån er i første rekke våre kontorkommuner Marker, Aremark, Rakkestad, Rømskog og Moss. Men det er generelt\r\n               ingen geografisk begrensning.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Primærområdet for kundeforhold, banksparing og dagligbank-tjenester i første rekke våre kontorkommuner Marker, Aremark, Rakkestad,\r\n               Rømskog og Moss. Men det er generelt ingen geografisk begrensning.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.marker-sparebank.no","navn":"Marker Sparebank","visningsnavn":"Marker Sparebank","orgnr":"937884672","modified":"25.05.2012","modifier":"tor.fjeld@marker-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":365},"leverandorVisningsnavn":"Marker Sparebank","leverandorUrl":"http://www.marker-sparebank.no","leverandorNavn":"Marker Sparebank","leverandorHref":"leverandor/bank/365","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178437","student":false,"spesielle_betingelser":"Innvilgelse av boliglån forutsetter etablering av kundeforhold med bruks-/lønnskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"23.02.2012","published":true,"modified":"23.02.2012","modifier":"brigitte","oppfolging":false,"id":178437},"leverandorVisningsnavn":"Marker Sparebank","leverandorUrl":"http://www.marker-sparebank.no","leverandorNavn":"Marker Sparebank","leverandorHref":"leverandor/bank/365","produktpakkeHref":"bank/produktpakke/178437","href":"bank/boliglan/156445","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"23.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"28.03.2012","published":true,"modified":"25.05.2012","modifier":"tor.fjeld@marker-sparebank.no","oppfolging":false,"id":156445},{"navn":"Bustadlån Ung","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Bustadlån Ung","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"sparebanken@sparebanken.no","href":"leverandor/bank/374","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.sparebanken.no","bytt_bank_url":"http://www.sparebanken.no","bb_adresse1":"Postboks 55","bb_adresse2":"Gymnasvegen 2","bb_postnr":"6101","bb_poststed":"Volda","bb_telefon":"70070000","bb_telefaks":"70070001","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","marked_generell":"Landsdekkende","marked_generell_info":"SpareBank 1 Søre Sunnmøre som ein moderne bank med gode lokalitetar. Alle kontor har minibankar tilgjengeleg 24 timar i døgnet og i tillegg har kontora i Volda, Ørsta, Herøy og Ulsteinvik automatområde der kundar kan gjere det meste innanfor betalingsformidling heile døgnet. Teknologien gjer at i dag nyttar mange utflytte sambygdingar banken. Ein velutvikla nettbank/mobilbank og eit kundesenter som er ope frå 07.00-24.00 alle dagar gjer at alle kundane våre får eit godt tilbod.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.sparebanken.no","url":"http://www.sparebanken.no","navn":"SpareBank 1 Søre Sunnmøre","visningsnavn":"SpareBank 1 Søre Sunnmøre","orgnr":"937899785","modified":"21.01.2013","modifier":"robert.bratteberg@sparebanken.no","tilbyrSph":false,"oppfolging":false,"id":374},"leverandorVisningsnavn":"SpareBank 1 Søre Sunnmøre","leverandorUrl":"http://www.sparebanken.no","leverandorNavn":"SpareBank 1 Søre Sunnmøre","leverandorHref":"leverandor/bank/374","produktpakkeHref":"","href":"bank/boliglan/216769","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"34","publiserFra":"14.03.2013","published":true,"modified":"13.03.2013","modifier":"robert.bratteberg@sparebanken.no","oppfolging":false,"id":216769},{"navn":"Fastrente 80% 10 år","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Fastrente 80% 10 år","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom LOfavør-konseptet.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"10","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"5,20","leverandor":{"bb_epost":"bank1@sparebank1.no","href":"leverandor/bank/288","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.oslo.sparebank1.no/","bytt_bank_url":"http://www.oslo.sparebank1.no/","bb_adresse1":"Bank 1 Oslo AS","bb_adresse2":"Postboks 778 Sentrum","bb_postnr":"0106","bb_poststed":"Oslo","bb_telefon":"07040","bb_telefaks":"21025051","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vi tilbyr alle typer finansielle tjenester enten det gjelder betalingstjenester, fond, sparing, forvaltning, lån eller forsikring.\r\n               I tillegg tilbyr vi alle fagorganiserte innenfor LO, fordeler gjennom 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I den grad vi avviker fra dette er\n               det kunder vi har relasjoner med fra før, som f.eks flytter til en annen kommune.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Gjeldsbrevlån med pant i fast eiendom innenfor 85% av takst/verdigrunnlag. 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I den grad vi avviker fra dette er\n               det kunder vi har relasjoner med fra før, som f.eks flytter til en annen kommune.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde for kundeforhold, banksparing og dagligbank-tjenester er kommunene Klæbu, Trondheim, Melhus, Skaun\n               og Malvik.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/4358/Sider/index.aspx","navn":"Klæbu Sparebank","visningsnavn":"Klæbu Sparebank","orgnr":"937902719","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":329},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@klabu-sparebank.no","href":"leverandor/bank/329","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 85","bb_adresse2":"","bb_postnr":"7541","bb_poststed":"Klæbu","bb_telefon":"04358","bb_telefaks":"72830050","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt primærområde for boliglån er Trondheimsregionen. I den grad vi avviker fra dette er\n               det kunder vi har relasjoner med fra før, som f.eks flytter til en annen kommune.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt primære markedsområde for kundeforhold, banksparing og dagligbank-tjenester er kommunene Klæbu, Trondheim, Melhus, Skaun\n               og Malvik.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/4358/Sider/index.aspx","navn":"Klæbu Sparebank","visningsnavn":"Klæbu Sparebank","orgnr":"937902719","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":329},"leverandorVisningsnavn":"Klæbu Sparebank","leverandorUrl":"https://www1.portalbank.no/4358/Sider/index.aspx","leverandorNavn":"Klæbu Sparebank","leverandorHref":"leverandor/bank/329","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178349","student":false,"spesielle_betingelser":"Åpning av vekstkonto, Pensjonssparekonto og etablering av boliglån i Klæbu Sparebank forutsetter at det etableres kundeforhold med bruks-/lønnskonto eller honnørkonto med lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"04.01.2013","modifier":"brigitte","oppfolging":false,"id":178349},"leverandorVisningsnavn":"Klæbu Sparebank","leverandorUrl":"https://www1.portalbank.no/4358/Sider/index.aspx","leverandorNavn":"Klæbu Sparebank","leverandorHref":"leverandor/bank/329","produktpakkeHref":"bank/produktpakke/178349","href":"bank/boliglan/224960","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"19.03.2013","modifier":"kskfu","oppfolging":false,"id":224960},{"navn":"Nedbetalingslån 75%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Nedbetalingslån 75%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. Vi strekker oss fra Arendal i øst til Lindesnes i vest.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Hos oss i Sparebanken Pluss får du boliglån til gunstige vilkår. Boligkjøp er for de fleste den største økonomiske investering som gjøres i livet. Det å kjøpe en bolig er en investering som påvirker deg i mange år. Snakk med en av våre rådgivere og du får gode råd og veiledning til din boliginvestering. Boliglån gis som annuitet- eller serielån. Annuitet betyr at summen av renter og avdrag er lik for hver termin. Fordelen med annuitetslån er at sum av renter og avdrag er lavere i begynnelsen av lånets løpetid, sammenlignet med serielån. Dette kan være særlig gunstig i en etableringsfase. Lånesøknad kan du gjerne sende via NettBanken, og vi kontakter deg innen kort tid.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,60","nominell_rente_1_b":"4,20","nominell_rente_1_c":"3,90","leverandor":{"bb_epost":"firmapost@sparebankenpluss.no","href":"leverandor/bank/419","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 200","bb_adresse2":"","bb_postnr":"4662","bb_poststed":"Kristiansand","bb_telefon":"38173500","bb_telefaks":"38173504","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. 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Når du er PlussKunde får du din egen saksbehandler i banken. Denne personen er din rådgiver i alle typer bankspørsmål. Generelt vil du få økt oppmerksomhet fra oss i banken. Har vi nye gode tilbud, vil du være den første som får vite det. Vårt PlussKunde program har to profiler, PlussKunde Basis og PlussKunde Total. Profilene er tilpasset ulike behov, og du velger det som passer deg best. Du kan når som helst bytte profil dersom du ønsker det. Vårt beste tilbud er PlussKunde Total. Fordeler du får som PlussKunde Total; Egen saksbehandler. Konkurransedyktige låne- og innskuddsordninger. Rabatt på kontantuttak i utlandet. Rabatt på MobilBank SMS. Gratis bruk av NettBank - betaling/overføring i NOK. Gratis kortbruk på varekjøp innland/utland. Gratis uttak i våre minibanker. Gratis uttak i fremmede minibanker (i Norge) over kr 1000,-. Gratis eFaktura/TeleGiro/AvtaleGiro. Høyere rente på lønnskonto og egne barns sparekonto. Lavere årspris på Gullkort. Hva kreves for å bli PlussKunde Total? Engasjement over kr 500 000,-. Aktiv lønns- og brukskonto. NettBank/TelefonBank eller MobilBank. Ektefelle/samboer kan også bli PlussKunde Total.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Plusskunde Total","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"10.04.2008","published":true,"modified":"09.02.2012","modifier":"brigitte","oppfolging":false,"id":1056},"leverandorVisningsnavn":"Sparebanken Pluss","leverandorUrl":"http://www.sparebankenpluss.no","leverandorNavn":"Sparebanken Pluss","leverandorHref":"leverandor/bank/419","produktpakkeHref":"bank/produktpakke/1056","href":"bank/boliglan/48917","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.04.2008","produktpakkeNavn":"Plusskunde Total","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"par@sparebankenpluss.no","oppfolging":false,"id":48917},{"navn":"Flexilån 70%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"1 000","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån 70%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. 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Maksimum 6 frie uttak per år. Rente som PlussKunders boliglånsvilkår. Renter og omkostninger kapitaliseres hver måned. Lånet må disponeres via NettBank. Pengene brukes fritt innenfor kredittgrensen. 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Vi strekker oss fra Arendal i øst til Lindesnes i vest.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. Vi strekker oss fra Arendal i øst til Lindesnes i vest.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebankenpluss.no","navn":"Sparebanken Pluss","visningsnavn":"Sparebanken Pluss","orgnr":"937894538","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":419},"produktpakke":{"navn":"Plusskunde Total","leverandor":{"bb_epost":"firmapost@sparebankenpluss.no","href":"leverandor/bank/419","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 200","bb_adresse2":"","bb_postnr":"4662","bb_poststed":"Kristiansand","bb_telefon":"38173500","bb_telefaks":"38173504","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Sparebanken Pluss har tilsammen 15 kontorer i Agderfylkene. 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Når du er PlussKunde får du din egen saksbehandler i banken. Denne personen er din rådgiver i alle typer bankspørsmål. Generelt vil du få økt oppmerksomhet fra oss i banken. Har vi nye gode tilbud, vil du være den første som får vite det. Vårt PlussKunde program har to profiler, PlussKunde Basis og PlussKunde Total. Profilene er tilpasset ulike behov, og du velger det som passer deg best. Du kan når som helst bytte profil dersom du ønsker det. Vårt beste tilbud er PlussKunde Total. Fordeler du får som PlussKunde Total; Egen saksbehandler. Konkurransedyktige låne- og innskuddsordninger. Rabatt på kontantuttak i utlandet. Rabatt på MobilBank SMS. Gratis bruk av NettBank - betaling/overføring i NOK. Gratis kortbruk på varekjøp innland/utland. Gratis uttak i våre minibanker. Gratis uttak i fremmede minibanker (i Norge) over kr 1000,-. Gratis eFaktura/TeleGiro/AvtaleGiro. Høyere rente på lønnskonto og egne barns sparekonto. Lavere årspris på Gullkort. Hva kreves for å bli PlussKunde Total? Engasjement over kr 500 000,-. Aktiv lønns- og brukskonto. NettBank/TelefonBank eller MobilBank. Ektefelle/samboer kan også bli PlussKunde Total.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Plusskunde Total","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"10.04.2008","published":true,"modified":"09.02.2012","modifier":"brigitte","oppfolging":false,"id":1056},"leverandorVisningsnavn":"Sparebanken Pluss","leverandorUrl":"http://www.sparebankenpluss.no","leverandorNavn":"Sparebanken Pluss","leverandorHref":"leverandor/bank/419","produktpakkeHref":"bank/produktpakke/1056","href":"bank/boliglan/48913","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.04.2008","produktpakkeNavn":"Plusskunde Total","maks_alder":"100","publiserFra":"21.03.2013","published":true,"modified":"20.03.2013","modifier":"par@sparebankenpluss.no","oppfolging":false,"id":48913},{"navn":"65% - flytende. 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Du får også magasinet Hus&Bolig med mye nyttig stoff.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"200 000","max_belop_a":"999 999","termingebyr_1_a":"0","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"0","min_belop_c":"2 000 000","termingebyr_1_c":"0","termingebyr_1_d":"0","nominell_rente_1_a":"4,30","nominell_rente_1_b":"4,05","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"post@eiendomskreditt.no","href":"leverandor/bank/284","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.eiendomskreditt.no","bytt_bank_url":"http://www.eiendomskreditt.no","bb_adresse1":"Postboks 143","bb_adresse2":"Øvre Ervik","bb_postnr":"5876","bb_poststed":"Bergen","bb_telefon":"55332700","bb_telefaks":"55332701","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Tilbyr lån over hele landet mot tilfredsstillende pant.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":false,"tilbyr_banksparing":false,"tilbyr_kredittkort":false,"kontakt_oss_url":"http://www.eiendomskreditt.no","url":"http://www.eiendomskreditt.no","navn":"Eiendomskreditt AS","visningsnavn":"Eiendomskreditt AS","orgnr":"979391285","modified":"14.02.2012","modifier":"rannveig.botnen@eiendomskreditt.no","tilbyrSph":false,"oppfolging":false,"id":284},"leverandorVisningsnavn":"Eiendomskreditt AS","leverandorUrl":"http://www.eiendomskreditt.no","leverandorNavn":"Eiendomskreditt AS","leverandorHref":"leverandor/bank/284","produktpakkeHref":"","href":"bank/boliglan/47075","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"rannveig.botnen@eiendomskreditt.no","oppfolging":false,"id":47075},{"navn":"Førstehjemslån - flytende innenfor 85%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 250","depotgebyr":"1 250","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån - flytende innenfor 85%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Normal kredittvurdering. Lånet forutsetter BSU og fordelsprogramm\r\nMaks belåning 85% av kjøpesummen/ omsetningsverdi. Ved belåning utover 75 % (75 - 85 %) vil lånet deles opp i to. Lånet over 75 % har en maks. nedbetalingstid på 10 år\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"100 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"service@nottero.sparebank1.no","href":"leverandor/bank/358","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"3106","bb_poststed":"Nøtterøy","bb_telefon":"02440","bb_telefaks":"33304110","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","navn":"Nøtterø Sparebank","visningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","orgnr":"937890362","modified":"24.11.2011","modifier":"ra@nsp1.no","tilbyrSph":false,"oppfolging":false,"id":358},"produktpakke":{"navn":"Xtrm 18 - 30","leverandor":{"bb_epost":"service@nottero.sparebank1.no","href":"leverandor/bank/358","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bytt_bank_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"3106","bb_poststed":"Nøtterøy","bb_telefon":"02440","bb_telefaks":"33304110","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold. Vi låner også ut til andre deler av landet, men etter\r\n               individuell vurdering. Mange av våre unge kunder bor også i Osloområdet, men har tilknytning til området. Mellomfinansiering\r\n               blir vurdert i hvert enkelt tilfelle. Vi ønsker egenkapital, men vurder den enkelte ut fra økonomi, jobbsituasjon, ryddighet \r\n               m.v. Noen kan fortsatt få fullfinansiert, men må komme gjennom nåløyet og tåle renteøkning på ca. 3 %. Når renten er lav vil\r\n               5 % økning være det riktige.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Vårt naturlige område er Nøtterøy og Tønsberg samt deler av Vestfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","url":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","navn":"Nøtterø Sparebank","visningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","orgnr":"937890362","modified":"24.11.2011","modifier":"ra@nsp1.no","tilbyrSph":false,"oppfolging":false,"id":358},"leverandorVisningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorUrl":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","leverandorNavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorHref":"leverandor/bank/358","produktpakke_arsgebyr":"300","href":"bank/produktpakke/173937","student":false,"spesielle_betingelser":"Xtrm er fordelsprogrammet for deg mellom 18 og 30 år. Med Xtrm får du; SpareBank 1 VISA Classic eller VISA motiv u/legitimasjon, gebyrfrie uttak i Sparebank 1 minibanker, gebyrfrie varekjøp i elektroniske betalings-terminaler i Norge, fri Nettbank/Telebank, førstehjemslån inntil 90 %, mulighet for gratis kredittkort, mulighet for forskudd på studielån og mulighet for kreditt på Xtrm konto (inntil kr. 15.000,-). Ønsker du å sjekke om du har nok penger tilgjengelig på konto, kan du gjøre dette i minibanken, men du kan også gjøre dette via andre tjenester som NettBank,TeleBank eller SMS MobilBank.","pensjonist":false,"min_alder":"18","maks_alder":"30","produktpakke_navn":"Xtrm 18 - 30","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.05.2012","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":173937},"leverandorVisningsnavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorUrl":"https://www2.sparebank1.no/portal/2470/3_privat?_nfpb=true&_pageLabel=page_privat_forside","leverandorNavn":"SpareBank 1 Nøtterøy (Nøtterø Sparebank)","leverandorHref":"leverandor/bank/358","produktpakkeHref":"bank/produktpakke/173937","href":"bank/boliglan/46307","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.05.2012","produktpakkeNavn":"Xtrm 18 - 30","maks_alder":"30","publiserFra":"21.03.2013","published":true,"modified":"22.03.2013","modifier":"ra@nsp1.no","oppfolging":false,"id":46307},{"navn":"Boliglån innenfor 85 % av verdi","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån innenfor 85 % av verdi","markedsomraade":"Landsdekkende","markedsomraadeTekst":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"2","rentebinding_ar":"0","forbehold":"For å få innvilget lån må du etablere lønnskonto med lønnsinngang og Visa kort i SkagerakDirektebank.no. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"9 999 999","termingebyr_1_a":"35","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"post@skagerakdirektebank.no","href":"leverandor/bank/467","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 2723","bb_adresse2":"","bb_postnr":"3702","bb_poststed":"Skien","bb_telefon":"35506200","bb_telefaks":"35962661","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.skagerakdirektebank.no/Sider/Forside2.aspx","navn":"SkagerakDirektebank.no","visningsnavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","orgnr":"937891245","modified":"21.09.2011","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":467},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@skagerakdirektebank.no","href":"leverandor/bank/467","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 2723","bb_adresse2":"","bb_postnr":"3702","bb_poststed":"Skien","bb_telefon":"35506200","bb_telefaks":"35962661","marked_boliglan":"Landsdekkende","marked_boliglan_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","marked_generell":"Landsdekkende","marked_generell_info":"SkagerakDirektebank.no er et direktebankkonsept for deg som ønsker nettbankens effektivitet og lave priser i kombinasjon med\r\n               lokalbankens nærhet og personlige kundekontakt. I SkagerakDirektebank.no har vi lagt opp til enkle og oversiktlige banktjenester\r\n               som du i stor grad kan utføre selv på din egen PC. I kombinasjon med dette gir vi deg mulighet til å bestille personlig rådgivning\r\n               når du har behov for dette - gjerne knyttet til større låneopptak eller i forbindelse med plassering av penger. Denne muligheten\r\n               gjør SkagerakDirektebank.no til et fullverdig banktilbud for alle som har PC med internettilgang.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.skagerakdirektebank.no/Sider/Forside2.aspx","navn":"SkagerakDirektebank.no","visningsnavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","orgnr":"937891245","modified":"21.09.2011","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":467},"leverandorVisningsnavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","leverandorUrl":"http://www.skagerakdirektebank.no/Sider/Forside2.aspx","leverandorNavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","leverandorHref":"leverandor/bank/467","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178500","student":false,"spesielle_betingelser":"For å få innvilget boliglån forutsettes det at du etablerer kundeforhold i banken med bruks-/lønnskonto med lønnsinngang og betalingstjenester som nettbank o.l.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"24.02.2012","published":true,"modified":"24.02.2012","modifier":"brigitte","oppfolging":false,"id":178500},"leverandorVisningsnavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","leverandorUrl":"http://www.skagerakdirektebank.no/Sider/Forside2.aspx","leverandorNavn":"SkagerakDirektebank.no (Bamble og Langesund Sparebank)","leverandorHref":"leverandor/bank/467","produktpakkeHref":"bank/produktpakke/178500","href":"bank/boliglan/167943","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"24.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"04.04.2013","published":true,"modified":"05.04.2013","modifier":"gij@skagerakdirektebank.no","oppfolging":false,"id":167943},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Grong Sparebank har hele landet som markedsområde for boliglån til privatkunder.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Er du under 34 år får du ekstra gunstige betingelser på lån til din første bolig. Renten er en fra-rente, og endelig rente fastsettes og beregnes individuelt etter samlet kredittvurdering. 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Boliglån forutsetter brukskonto med lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"34","produktpakke_navn":"Førstehjemslån","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.05.2010","published":true,"modified":"09.03.2012","modifier":"brigitte","oppfolging":false,"id":482},"leverandorVisningsnavn":"Grong Sparebank","leverandorUrl":"https://www1.portalbank.no/4448/Sider/forside.aspx","leverandorNavn":"Grong Sparebank","leverandorHref":"leverandor/bank/311","produktpakkeHref":"bank/produktpakke/482","href":"bank/boliglan/46109","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.05.2010","produktpakkeNavn":"Førstehjemslån","maks_alder":"34","publiserFra":"08.04.2013","published":true,"modified":"08.04.2013","modifier":"jon.solum@grong-sparebank.no","oppfolging":false,"id":46109},{"navn":"Aktiv Ekstra 60%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Aktiv Ekstra 60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Rentene vil kunne variere etter bl.a. sikkerhet og lånets størrelse","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"500 000","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,50","nominell_rente_1_b":"4,15","nominell_rente_1_c":"3,85","leverandor":{"bb_epost":"post@esbank.no","href":"leverandor/bank/272","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgaten 2","bb_adresse2":"","bb_postnr":"1850","bb_poststed":"Mysen","bb_telefon":"69899100","bb_telefaks":"69892770","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.esbank.no","navn":"Eidsberg Sparebank","visningsnavn":"Eidsberg Sparebank","orgnr":"937884494","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":272},"produktpakke":{"navn":"Aktiv Ekstra","leverandor":{"bb_epost":"post@esbank.no","href":"leverandor/bank/272","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Storgaten 2","bb_adresse2":"","bb_postnr":"1850","bb_poststed":"Mysen","bb_telefon":"69899100","bb_telefaks":"69892770","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Eidsberg Sparebank (etabl. 1848) er en selvstendig og lokal sparebank, med hovedkontor i Mysen, Østfold.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.esbank.no","navn":"Eidsberg Sparebank","visningsnavn":"Eidsberg Sparebank","orgnr":"937884494","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":272},"leverandorVisningsnavn":"Eidsberg Sparebank","leverandorUrl":"http://www.esbank.no","leverandorNavn":"Eidsberg Sparebank","leverandorHref":"leverandor/bank/272","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201373","student":false,"spesielle_betingelser":"Aktiv Ekstra gir deg: Gratis regningsbetaling ved bruk av NettBank (ikke til utlandet), MobilBank, TeleBank, AvtaleGiro og eFaktura. Gratis varekjøp i Norge (gjelder ikke VISA-transaksjoner). Inntil 4% bransjebonus på Terra Kredittkort. 10% samlerabatt i Terra Skade v/min. 3 dekninger. Mulighet for å oppnå lavere utlånsrente gjennom Terra BoligKreditt. Samme kunderådgiver på bank og forsikring, hvis ønskelig. Tilbud om årlig økonomisk rådgivning. For å oppnå de fordelene som Aktiv Ekstra gir, er det også noen forutsetninger som må være på plass. Disse innbefatter: Aktiv Ekstra-konto med månedlig lønnsinngang. NettBank m/NettPost. SparebankKort VISA. Månedlig spareavtale. Bruke bankens selvbetjeningstjenester, også ved overføringer og saldoforespørsler. Sum lån/innskudd på minimum kr. 300.000,-. Familien sees under ett. Årspris på SparebankKort VISA belastes.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Aktiv Ekstra","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"300 000","min_sparing":"0","publiserFra":"14.09.2012","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":201373},"leverandorVisningsnavn":"Eidsberg Sparebank","leverandorUrl":"http://www.esbank.no","leverandorNavn":"Eidsberg Sparebank","leverandorHref":"leverandor/bank/272","produktpakkeHref":"bank/produktpakke/201373","href":"bank/boliglan/46595","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.09.2012","produktpakkeNavn":"Aktiv Ekstra","maks_alder":"100","publiserFra":"08.04.2013","published":true,"modified":"09.04.2013","modifier":"ntn@eidsbergsparebank.no","oppfolging":false,"id":46595},{"navn":"Boliglån opp til 2 mill.","max_lopetid":"35","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån opp til 2 mill.","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"35","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"post@tsbank.no","href":"leverandor/bank/303","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Torget 5","bb_adresse2":"Postboks 114","bb_postnr":"1860","bb_poststed":"Trøgstad","bb_telefon":"69 82 49 00","bb_telefaks":"69 82 49 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.trogstad-sparebank.no","navn":"Trøgstad Sparebank","visningsnavn":"Trøgstad Sparebank","orgnr":"937885377","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":303},"leverandorVisningsnavn":"Trøgstad Sparebank","leverandorUrl":"http://www.trogstad-sparebank.no","leverandorNavn":"Trøgstad Sparebank","leverandorHref":"leverandor/bank/303","produktpakkeHref":"","href":"bank/boliglan/226978","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"26.03.2013","published":true,"modified":"16.04.2013","modifier":"hanne.froshaug@trogstad-sparebank.no","oppfolging":false,"id":226978},{"navn":"Flexilån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Vil du ha litt større økonomisk frihet i hverdagen? Skulle du ønske du kunne gi deg selv et eget lån, uten for mye formaliteter? Da kan Flexilån være tingen for deg. Du står fritt til å bruke pengene innenfor lånerammen til det du vil. Du får overført det du vil trekke på lånerammen til den konto du ønsker. Lånet nedbetales ved at det opprettes et fast trekk som dekker renter hver måned samt det du ønsker å betale i avdrag. ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 500 000","termingebyr_1_a":"50","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"post@tsbank.no","href":"leverandor/bank/303","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Torget 5","bb_adresse2":"Postboks 114","bb_postnr":"1860","bb_poststed":"Trøgstad","bb_telefon":"69 82 49 00","bb_telefaks":"69 82 49 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). 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Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.trogstad-sparebank.no","navn":"Trøgstad Sparebank","visningsnavn":"Trøgstad Sparebank","orgnr":"937885377","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":303},"leverandorVisningsnavn":"Trøgstad Sparebank","leverandorUrl":"http://www.trogstad-sparebank.no","leverandorNavn":"Trøgstad Sparebank","leverandorHref":"leverandor/bank/303","produktpakkeHref":"","href":"bank/boliglan/226955","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"26.03.2013","published":true,"modified":"16.04.2013","modifier":"hanne.froshaug@trogstad-sparebank.no","oppfolging":false,"id":226955},{"navn":"Boliglån 75%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"900","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån 75%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"35","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"35","min_belop_c":"2 000 000","termingebyr_1_c":"35","nominell_rente_1_a":"4,44","nominell_rente_1_b":"4,04","nominell_rente_1_c":"3,79","leverandor":{"bb_epost":"stathelle@blsparebank.no","href":"leverandor/bank/265","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3995","bb_poststed":"Stathelle","bb_telefon":"35962600","bb_telefaks":"35962601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blsparebank.no","navn":"Bamble og Langesund Sparebank","visningsnavn":"Bamble og Langesund Sparebank","orgnr":"937891245","modified":"14.04.2011","modifier":"pal-fredrik.andersen@blsparebank.no","tilbyrSph":false,"oppfolging":false,"id":265},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"stathelle@blsparebank.no","href":"leverandor/bank/265","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3995","bb_poststed":"Stathelle","bb_telefon":"35962600","bb_telefaks":"35962601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blsparebank.no","navn":"Bamble og Langesund Sparebank","visningsnavn":"Bamble og Langesund Sparebank","orgnr":"937891245","modified":"14.04.2011","modifier":"pal-fredrik.andersen@blsparebank.no","tilbyrSph":false,"oppfolging":false,"id":265},"leverandorVisningsnavn":"Bamble og Langesund Sparebank","leverandorUrl":"http://www.blsparebank.no","leverandorNavn":"Bamble og Langesund Sparebank","leverandorHref":"leverandor/bank/265","produktpakke_arsgebyr":"0","href":"bank/produktpakke/180058","student":false,"spesielle_betingelser":"Boliglån forutsetter etablering av brukskonto med lønnsinngang i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"09.03.2012","published":true,"modified":"09.03.2012","modifier":"brigitte","oppfolging":false,"id":180058},"leverandorVisningsnavn":"Bamble og Langesund Sparebank","leverandorUrl":"http://www.blsparebank.no","leverandorNavn":"Bamble og Langesund Sparebank","leverandorHref":"leverandor/bank/265","produktpakkeHref":"bank/produktpakke/180058","href":"bank/boliglan/182866","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"09.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"04.04.2013","published":true,"modified":"16.04.2013","modifier":"pal-fredrik.andersen@blsparebank.no","oppfolging":false,"id":182866},{"navn":"Flexilån 70%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"900","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Flexilån 70%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Med flexilån ønsker vi å gi deg et lån som gir deg større økonomisk handlefrihet til å gjøre det du ønsker når det passer deg. Du bestemmer selv hvor mye og når du ønsker å betale ned på lånet. Et lån for deg med en velordnet økonomi. Lån opp til 70 % av boligens verdi. Nedbetaling av lånet bestemmer du selv. Bestem selv når du vil betale renter. Du disponerer lånet i NettBanken. Flexilån fungerer som en kreditt på kontoen din. Du bestemmer selv hvor mye og når du skal betale ned på lånet, innenfor den rammen som er innvilget. Du kan også øke lånet ved å overføre til din ordinære bankkonto, uten å måtte kontakte banken. Som hovedregel vil vi anbefale at det betales inn på flexilånet med faste månedlige beløp, men det kan være perioder da det kan det være greit å slippe å betale på lånet. Dette ordner du selv i NettBanken.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"75","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"75","min_belop_c":"2 000 000","termingebyr_1_c":"75","nominell_rente_1_a":"4,64","nominell_rente_1_b":"4,24","nominell_rente_1_c":"3,99","leverandor":{"bb_epost":"stathelle@blsparebank.no","href":"leverandor/bank/265","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3995","bb_poststed":"Stathelle","bb_telefon":"35962600","bb_telefaks":"35962601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blsparebank.no","navn":"Bamble og Langesund Sparebank","visningsnavn":"Bamble og Langesund Sparebank","orgnr":"937891245","modified":"14.04.2011","modifier":"pal-fredrik.andersen@blsparebank.no","tilbyrSph":false,"oppfolging":false,"id":265},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"stathelle@blsparebank.no","href":"leverandor/bank/265","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3995","bb_poststed":"Stathelle","bb_telefon":"35962600","bb_telefaks":"35962601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blsparebank.no","navn":"Bamble og Langesund Sparebank","visningsnavn":"Bamble og Langesund Sparebank","orgnr":"937891245","modified":"14.04.2011","modifier":"pal-fredrik.andersen@blsparebank.no","tilbyrSph":false,"oppfolging":false,"id":265},"leverandorVisningsnavn":"Bamble og Langesund Sparebank","leverandorUrl":"http://www.blsparebank.no","leverandorNavn":"Bamble og Langesund Sparebank","leverandorHref":"leverandor/bank/265","produktpakke_arsgebyr":"0","href":"bank/produktpakke/180058","student":false,"spesielle_betingelser":"Boliglån forutsetter etablering av brukskonto med lønnsinngang i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"09.03.2012","published":true,"modified":"09.03.2012","modifier":"brigitte","oppfolging":false,"id":180058},"leverandorVisningsnavn":"Bamble og Langesund Sparebank","leverandorUrl":"http://www.blsparebank.no","leverandorNavn":"Bamble og Langesund Sparebank","leverandorHref":"leverandor/bank/265","produktpakkeHref":"bank/produktpakke/180058","href":"bank/boliglan/182863","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"09.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"04.04.2013","published":true,"modified":"16.04.2013","modifier":"pal-fredrik.andersen@blsparebank.no","oppfolging":false,"id":182863},{"navn":"Ungdomslån 85%","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"900","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Ungdomslån 85%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"2","rentebinding_ar":"0","forbehold":"Med ungdomslån ønsker vi å gi unge i etableringsfasen en mulighet til å komme seg inn i boligmarkedet. Med ungdomslån kan du låne opptil 85 % av boligens verdi til lav rente. Husk at dette tilbudet gjelder kun for deg under 34 år. Det er viktig med en gjennomgang av økonomien. På den måten kan du føle deg tryggere på at du velger den boligen som vil passe din økonomi best. Kunden må være under 34 år.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"stathelle@blsparebank.no","href":"leverandor/bank/265","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3995","bb_poststed":"Stathelle","bb_telefon":"35962600","bb_telefaks":"35962601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blsparebank.no","navn":"Bamble og Langesund Sparebank","visningsnavn":"Bamble og Langesund Sparebank","orgnr":"937891245","modified":"14.04.2011","modifier":"pal-fredrik.andersen@blsparebank.no","tilbyrSph":false,"oppfolging":false,"id":265},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"stathelle@blsparebank.no","href":"leverandor/bank/265","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 24","bb_adresse2":"","bb_postnr":"3995","bb_poststed":"Stathelle","bb_telefon":"35962600","bb_telefaks":"35962601","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Bamble og Langesund Sparebank er en selvstendig sparebank. Banken har sitt hovedkontor på Stathelle og har en filial plassert\r\n               i Langesund. Bankens målsetting er å være en lønnsom og selvstendig sparebank med sterk lokal forankring.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.blsparebank.no","navn":"Bamble og Langesund Sparebank","visningsnavn":"Bamble og Langesund Sparebank","orgnr":"937891245","modified":"14.04.2011","modifier":"pal-fredrik.andersen@blsparebank.no","tilbyrSph":false,"oppfolging":false,"id":265},"leverandorVisningsnavn":"Bamble og Langesund Sparebank","leverandorUrl":"http://www.blsparebank.no","leverandorNavn":"Bamble og Langesund Sparebank","leverandorHref":"leverandor/bank/265","produktpakke_arsgebyr":"0","href":"bank/produktpakke/180058","student":false,"spesielle_betingelser":"Boliglån forutsetter etablering av brukskonto med lønnsinngang i banken.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"09.03.2012","published":true,"modified":"09.03.2012","modifier":"brigitte","oppfolging":false,"id":180058},"leverandorVisningsnavn":"Bamble og Langesund Sparebank","leverandorUrl":"http://www.blsparebank.no","leverandorNavn":"Bamble og Langesund Sparebank","leverandorHref":"leverandor/bank/265","produktpakkeHref":"bank/produktpakke/180058","href":"bank/boliglan/182858","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"09.03.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"34","publiserFra":"04.04.2013","published":true,"modified":"16.04.2013","modifier":"pal-fredrik.andersen@blsparebank.no","oppfolging":false,"id":182858},{"navn":"Boliglån - 85% - flytende","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Boliglån - 85% - flytende","markedsomraade":"Landsdekkende","markedsomraadeTekst":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"KLP Banken har strenge kriterier vedrørende betjeningsevne og sikkerhet for å bevilge lån utover 75% av markedsverdi.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"999 999","termingebyr_1_a":"50","min_belop_b":"1 000 000","max_belop_b":"1 999 999","termingebyr_1_b":"50","min_belop_c":"2 000 000","termingebyr_1_c":"50","nominell_rente_1_a":"4,50","nominell_rente_1_b":"4,40","nominell_rente_1_c":"4,30","leverandor":{"bb_epost":"klpbanken@klp.no","href":"leverandor/bank/473","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.klp.no","bytt_bank_url":"http://www.klp.no","bb_adresse1":"P.B. 400, Sentrum","bb_adresse2":"","bb_postnr":"0103","bb_poststed":"Oslo","bb_telefon":"22 03 79 00","bb_telefaks":"22 03 38 30","marked_boliglan":"Landsdekkende","marked_boliglan_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner.","marked_generell":"Landsdekkende","marked_generell_info":"KLP Banken tilbyr sparing, lån, kort og betalingstjenester til privatpersoner. Har du offentlig tjenestepensjon i KLP? Da\r\n               får du ekstra gode betingelser på sparing!\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.klp.no","url":"http://www.klp.no","navn":"KLP Banken AS","visningsnavn":"KLP Banken AS","orgnr":"993821837","modified":"01.06.2011","modifier":"tgu@klp.no","tilbyrSph":false,"oppfolging":false,"id":473},"leverandorVisningsnavn":"KLP Banken AS","leverandorUrl":"http://www.klp.no","leverandorNavn":"KLP Banken AS","leverandorHref":"leverandor/bank/473","produktpakkeHref":"","href":"bank/boliglan/117441","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"24.04.2013","published":true,"modified":"24.04.2013","modifier":"tgu@klp.no","oppfolging":false,"id":117441},{"navn":"75% - lån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"950","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"75% - lån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"For å få lån i OBOS må du ha medlemsskap i OBOS med en årskontigent på 200 kr per år og en innmeldingsavgift på 300 kr.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"499 999","termingebyr_1_a":"35","min_belop_b":"500 000","max_belop_b":"999 999","termingebyr_1_b":"35","min_belop_c":"1 000 000","max_belop_c":"1 999 999","termingebyr_1_c":"35","min_belop_d":"2 000 000","termingebyr_1_d":"35","nominell_rente_1_a":"4,25","nominell_rente_1_b":"3,85","nominell_rente_1_c":"3,70","nominell_rente_1_d":"3,45","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.obos.no/?aid=1075","url":"http://www.obos.no/?aid=1075","navn":"OBOS Lån & Spar","visningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","orgnr":"937052766","modified":"29.10.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":357},"produktpakke":{"navn":"Medlemsskap i OBOS","leverandor":{"bb_epost":"lan-spar@obos.no","href":"leverandor/bank/357","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.obos.no/?aid=1075","bytt_bank_url":"http://www.obos.no/?aid=1075","bb_adresse1":"Hammersborg Torg 1","bb_adresse2":"","bb_postnr":"0179","bb_poststed":"Oslo","bb_telefon":"22 86 55 00","bb_telefaks":"22 86 59 18","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Alle OBOS-medlemmer kan søke om lån i OBOS. Vi tilbyr lån med pant i bolig. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital.","marked_generell":"Landsdekkende","marked_generell_info":"Tilbys alle OBOS-medlemmer. Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved innmelding er et lovpålagt tegningsavgift og andelskapital. ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.obos.no/?aid=1075","url":"http://www.obos.no/?aid=1075","navn":"OBOS Lån & Spar","visningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","orgnr":"937052766","modified":"29.10.2012","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":357},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorUrl":"http://www.obos.no/?aid=1075","leverandorNavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorHref":"leverandor/bank/357","produktpakke_arsgebyr":"500","href":"bank/produktpakke/528","student":false,"spesielle_betingelser":"Det koster 500 kroner å bli medlem i OBOS, hvorav 200 kroner er årskontingent. \n               \n               Det vil si at du betaler 500 kroner ved innmelding og deretter 200 kroner hvert år. De 300 kronene du betaler \"ekstra\" ved\n               innmelding er et lovpålagt tegningsavgift og andelskapital. Medlemskapet gir dessuten en rekke andre fordeler som gjør at\n               du raskt kan spare inn medlemskontigenten: Forkjøpsrett til over 60 000 OBOS-boliger.\n               Mulighet til å leie en av våre 600 utleieboliger.\n               Blant markedets beste betingelser på lån og sparing.\n               Gode avtaler på forsikring, strøm og telefon.\n               Opp til 50 prosent rabatt på konserter, teater, opera og \n               idrettsarrangementer.\n               Kredittkort uten årspris og fakturagebyr.\n               Boligmagasinet OBOS-bladet tilsendt ni ganger i året.\n            ","pensjonist":false,"min_alder":"0","maks_alder":"100","produktpakke_navn":"Medlemsskap i OBOS","min_antall_produkter":"1","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.03.2010","published":true,"modified":"10.03.2010","modifier":"brigitte","oppfolging":false,"id":528},"leverandorVisningsnavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorUrl":"http://www.obos.no/?aid=1075","leverandorNavn":"OBOS Lån & Spar (Oslo Bolig og Sparelag)","leverandorHref":"leverandor/bank/357","produktpakkeHref":"bank/produktpakke/528","href":"bank/boliglan/46787","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"10.03.2010","produktpakkeNavn":"Medlemsskap i OBOS","maks_alder":"100","publiserFra":"09.05.2012","publiserTil":"17.06.2013","published":true,"modified":"25.04.2013","modifier":"brigitte","oppfolging":false,"id":46787},{"navn":"Fastrentelån 70% 5 år","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fastrentelån 70% 5 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Gir tilbud til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"5","forbehold":"Med fastrentelån vet du hvor mye du må betale på lånet ved hvert forfall, i den avtalte perioden. Du kan selv velge om du vil binde renten i 3, 5 eller 10 år. Fastrentelån gir deg garanti mot økte renter i rentebindingsperioden, og gjør det lettere å planlegge økonomien framover.  For at vi skal innvilge søknad om boliglån må du etablere kundeforhold med brukskonto og lønnsinngang. Terminbeløp dvs. renter, avdrag og termingebyr belastes brukskonto. Fastrentelån kan bli dyrere enn andre typer lån ved synkende rentenivå. Du kan kombinere fastrentelån og lån med flytende rente. På den måten kan du sikre deg mot virkningen av renteoppgang, samtidig som du drar nytte av en rentenedgang. Det er viktig å være klar over at det er spesielle betingelser knyttet til et fastrentelån. Du kan ikke uten videre endre terminbeløp, hoppe over en termin eller endre lengden på terminene så lenge renten er bundet. Overkurs og underkurs Ønsker du å nedbetale et fastrentelån raskere enn avtalt, vil det bli beregnet overkurs eller underkurs på lånet. Det betyr forenklet at om rentenivået har sunket siden du fikk utbetalt lånet ditt, må du betale det banken taper i renteinntekter. Har rentenivået derimot steget, vil du bli godskrevet rentegevinsten. Overkursen eller underkursen vil bli høyere jo lengre rentebinding du har og jo tidligere i bindingsperioden du ønsker å endre nedbetalingsplanen. Ta kontakt Vi gir deg råd om ulike låneformer ut fra ditt behov og dine ønsker. Ta kontakt med ditt bankkontor for mer informasjon og tilbud.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,20","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakke_arsgebyr":"0","href":"bank/produktpakke/942","student":false,"spesielle_betingelser":"Boliglån forutsetter at du etablerer kundeforhold med lønnskonto med lønnsinngang og betalingstjenester. Lånerenten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Presenterte betingelser her tilsvarer bankens beste veilednende betingelser.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"02.09.2008","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":942},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakkeHref":"bank/produktpakke/942","href":"bank/boliglan/46841","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.09.2008","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"29.04.2013","published":true,"modified":"29.04.2013","modifier":"sphof","oppfolging":false,"id":46841},{"navn":"Bustadlån 85%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 200","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Bustadlån 85%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Termingebyr forutsetter at terminbeløp (renter, avdrag og terminbeløp) kan belastes brukskonto i Vik Sparebank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"4,40","leverandor":{"bb_epost":"nettpost@viksparebank.no","href":"leverandor/bank/435","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 174","bb_adresse2":"","bb_postnr":"6891","bb_poststed":"Vik i Sogn","bb_telefon":"57698850","bb_telefaks":"57698870","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"nettpost@viksparebank.no","href":"leverandor/bank/435","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 174","bb_adresse2":"","bb_postnr":"6891","bb_poststed":"Vik i Sogn","bb_telefon":"57698850","bb_telefaks":"57698870","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakke_arsgebyr":"0","href":"bank/produktpakke/218200","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at terminbeløp (renter, avdrag og termingebyr) for lånet belastes konto i Vik Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"30.01.2013","published":true,"modified":"30.01.2013","modifier":"brigitte","oppfolging":false,"id":218200},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakkeHref":"bank/produktpakke/218200","href":"bank/boliglan/229717","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"30.01.2013","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"23.04.2013","published":true,"modified":"29.04.2013","modifier":"britt@viksparebank.no","oppfolging":false,"id":229717},{"navn":"Boliglån 60 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån 60 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Spydeberg Sparebank som en solid og kundeorientert sparebank med vekt på ny teknologi og høy kompetanse hos de ansatte.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Lån i Terra BoligKreditt AS innenfor 60 % av verdigrunnlaget. Termingebyr på kr 35,- og etableringskostnader på kr 1.500,-","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"3,95","leverandor":{"bb_epost":"bj@spydbank.no","href":"leverandor/bank/372","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Boks 114","bb_adresse2":"","bb_postnr":"1804","bb_poststed":"Spydeberg","bb_telefon":"69 83 65 81","bb_telefaks":"69 83 66 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Spydeberg Sparebank som en solid og kundeorientert sparebank med vekt på ny teknologi og høy kompetanse hos de ansatte.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Spydeberg Sparebank som en solid og kundeorientert sparebank med vekt på ny teknologi og høy kompetanse hos de 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Har du flyttet fra distriktet håper vi du tar med deg banken!\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Rentebetingelsene gjelder for totalkunder! ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"1 500 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,60","leverandor":{"bb_epost":"post@gjerstad-sparebank.no","href":"leverandor/bank/312","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Brokelandsheia","bb_adresse2":"","bb_postnr":"4993","bb_poststed":"Sundebru","bb_telefon":"37 11 99 00","bb_telefaks":"37 15 75 70","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Gjerstad Sparebank har en solid og økende markedsandel i kommunene Gjerstad og Risør – og vårt mål er å være vårt distrikts\n               foretrukne lokalbank. Har du flyttet fra distriktet håper vi du tar med deg banken!\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Gjerstad Sparebank har en solid og økende markedsandel i kommunene Gjerstad og Risør – og vårt mål er å være vårt distrikts\n               foretrukne lokalbank. Har du flyttet fra distriktet håper vi du tar med deg banken!\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/2907/Sider/forside.aspx","navn":"Gjerstad Sparebank","visningsnavn":"Gjerstad Sparebank","orgnr":"937894260","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":312},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@gjerstad-sparebank.no","href":"leverandor/bank/312","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Brokelandsheia","bb_adresse2":"","bb_postnr":"4993","bb_poststed":"Sundebru","bb_telefon":"37 11 99 00","bb_telefaks":"37 15 75 70","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Gjerstad Sparebank har en solid og økende markedsandel i kommunene Gjerstad og Risør – og vårt mål er å være vårt distrikts\n               foretrukne lokalbank. Har du flyttet fra distriktet håper vi du tar med deg banken!\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Gjerstad Sparebank har en solid og økende markedsandel i kommunene Gjerstad og Risør – og vårt mål er å være vårt distrikts\n               foretrukne lokalbank. Har du flyttet fra distriktet håper vi du tar med deg banken!\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"https://www1.portalbank.no/2907/Sider/forside.aspx","navn":"Gjerstad Sparebank","visningsnavn":"Gjerstad Sparebank","orgnr":"937894260","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":312},"leverandorVisningsnavn":"Gjerstad Sparebank","leverandorUrl":"https://www1.portalbank.no/2907/Sider/forside.aspx","leverandorNavn":"Gjerstad Sparebank","leverandorHref":"leverandor/bank/312","produktpakke_arsgebyr":"0","href":"bank/produktpakke/201427","student":false,"spesielle_betingelser":"Belastning av terminbeløp for boliglån forutsetter brukskonto med lønnsinngang i Gjerstad Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"14.09.2012","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":201427},"leverandorVisningsnavn":"Gjerstad Sparebank","leverandorUrl":"https://www1.portalbank.no/2907/Sider/forside.aspx","leverandorNavn":"Gjerstad Sparebank","leverandorHref":"leverandor/bank/312","produktpakkeHref":"bank/produktpakke/201427","href":"bank/boliglan/47023","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.09.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"10.04.2012","published":true,"modified":"14.09.2012","modifier":"brigitte","oppfolging":false,"id":47023},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 000","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Harstad Sparebank har hovedkontor i Harstad rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Førstehjemslån i Harstad Sparebank gis basert på følgende betingelser: Låntaker må være mellom 25 og 34 år. • Låntaker må selv bo i boligen. Låntaker må ha eller opprette BSU-konto i vår bank. BSUkonto må være opprettet før kjøp av boligen. Lånet gis til boligformål innenfor 85 % av forsvarlig verdi/markedsverdi på boligen til samme rentebetingelser som banken gir innenfor 60% finansiering. • Dersom låntaker oppretter en månedlig spareavtale på sin BSU-konto (BSU-konto må være opprettet før kjøp av boligen), kan det gis inntil 5 års avdragsfrihet for lånet innenfor 80 % av forsvarlig markedsverdi. Lån utover 80 % av forsvarlig markedsverdi nedbetales i denne perioden. • Ved brudd eller uttak på BSU-kontoen forutsettes det at innestående beløp på kontoen går til nedbetaling på lånet. Det forutsetter at lånet har førsteprioritet i Harstad Sparebank. Eksisterende kunder fritas for etablerings- og depotomkostninger. Etter fylte 34 år går lånet over til ordinære lånebetingelser.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,75","leverandor":{"bb_epost":"post@harstad-sparebank.no","href":"leverandor/bank/338","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"9481","bb_poststed":"Harstad","bb_telefon":"77002800","bb_telefaks":"77002801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Harstad Sparebank har hovedkontor i Harstad rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Harstad Sparebank har hovedkontor i Harstad og rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.harstad-sparebank.no","navn":"Harstad Sparebank","visningsnavn":"Harstad Sparebank","orgnr":"937905378","modified":"15.07.2011","modifier":"bs@harstad-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":338},"produktpakke":{"navn":"AKTIV UNG","leverandor":{"bb_epost":"post@harstad-sparebank.no","href":"leverandor/bank/338","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 70","bb_adresse2":"","bb_postnr":"9481","bb_poststed":"Harstad","bb_telefon":"77002800","bb_telefaks":"77002801","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Harstad Sparebank har hovedkontor i Harstad rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Harstad Sparebank har hovedkontor i Harstad og rådgivningskontor på Sortland. Bankens visjon er \"Verdifull for kunder\r\n               og lokalsamfunn\".\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.harstad-sparebank.no","navn":"Harstad Sparebank","visningsnavn":"Harstad Sparebank","orgnr":"937905378","modified":"15.07.2011","modifier":"bs@harstad-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":338},"leverandorVisningsnavn":"Harstad Sparebank","leverandorUrl":"http://www.harstad-sparebank.no","leverandorNavn":"Harstad Sparebank","leverandorHref":"leverandor/bank/338","produktpakke_arsgebyr":"0","href":"bank/produktpakke/656","student":false,"spesielle_betingelser":"Er du mellom 18 og 30 år kan vi gi deg meget gode betingelser på din konto hos oss!  Som AKTIV UNG-kunde nyter du godt av følgende fordeler: Ingen gebyrer på kortbruk ved varekjøp i inn- og utlandet. Ingen gebyr for uttak i alle minibanker i Norge, døgnet rundt. Ingen årsavgift på nettbank- og telebankavtale. Gratis mobilbank og kontoinformasjon på SMS. Ingen gebyr ved belastning av AvtaleGiro. Betaling av giro via nettbank eller telebank er gratis. Betaling ved E-faktura er gratis. Snakk gjerne med oss om de mange andre fordelene som er knyttet til ditt kundeforhold, blant annet kredittkort med bonus, gode betingelser på BSU samt meget gode ungdomsforsikringer!  I tillegg kan du selv bestemme hvordan DITT kort skal se ut!","pensjonist":false,"min_alder":"18","maks_alder":"30","produktpakke_navn":"AKTIV UNG","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"10.06.2008","published":true,"modified":"03.01.2013","modifier":"brigitte","oppfolging":false,"id":656},"leverandorVisningsnavn":"Harstad Sparebank","leverandorUrl":"http://www.harstad-sparebank.no","leverandorNavn":"Harstad Sparebank","leverandorHref":"leverandor/bank/338","produktpakkeHref":"bank/produktpakke/656","href":"bank/boliglan/49567","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"25","produktpakkePubliserFra":"10.06.2008","produktpakkeNavn":"AKTIV UNG","maks_alder":"34","publiserFra":"02.04.2012","published":true,"modified":"15.09.2012","modifier":"brigitte","oppfolging":false,"id":49567},{"navn":"Boliglån inntil 80 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 700","renteberegning":"etterskudd","max_belaningsgrad":"80","trapp_type":"hele","produktnavn":"Boliglån inntil 80 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Låneordningen i Statens pensjonskasse er et medlemsgode. Både yrkesaktive medlemmer (som er medlemmer pr. i dag) og pensjonister\r\n               som mottar pensjon fra oss kan søke. Du kan låne inntil 1,5 million kroner. To medlemmer i samme husstand kan søke inntil\r\n               3 millioner kroner. Dersom lånebeløpet fra oss ikke skulle være stort nok til å finansiere hele lånebehovet ditt, vil\r\n               det ofte lønne\r\n               seg\r\n               å låne det du kan i Statens pensjonskasse, og resten i en annen bank. Vi tilbyr samme lave rente på hele lånet, også dersom\r\n               du låner med sikkerhet inntil 80 prosent av boligens markedsverdi. Tall fra Statistisk sentralbyrå viser at renten på boliglån\r\n               hos Statens pensjonskasse har vært ca. en prosent lavere enn hos de ti største bankene i perioden 2004 til 2008.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Låneordningen er et medlemsgode. Er du ansatt i en virksomhet tilknyttet Statens pensjonskasse, er du medlem. Pensjonister som mottar pensjon fra oss, kan også søke om boliglån. Du kan søke om inntil 1,7 millioner kroner - eller 3,4 millioner hvis dere er to medlemmer i husstanden. Vi ligger i snitt 1 prosentpoeng under markedsrenten.  Nedbetalingstid på opptil 30 år. Avdragsfrihet inntil 5 år. Du kan låne med sikkerhet innenfor 80 % av markedsverdi. Opplyst rentesats forutsetter at lånet har månedlige terminforfall. Etableringsgebyr elektronisk lånesøknad er kr 1.700,-. Ved papirsøknad er etableringsgebyret kr 2.000,-. I tillegg påløper offentlig tinglysningsgebyr. Termingebyr ved månedlig kapitalisering er kr 30,-. Du kan søke lån ved kjøp av bolig, forskudd til ny bolig, kjøp av tilleggstomt, refinansiering, oppussing og skifteoppgjør. Hvis du slutter/bytter jobb, og mister medlemskapet ditt i Statens pensjonskasse, mister du også retten til å beholde lånet ditt til ordinære vilkår. Du kan imidlertid beholde lånet til mindre gunstige vilkår. Renten blir oppjustert med to prosentpoeng og eventuell avdragsfrihet bortfaller. Slutter du i stilling som følge av omstillingsvedtak, kan du beholde lånet ditt som om medlemskapet ditt var uendret. Du kan imidlertid ikke søke om nytt lån. Vi trenger dokumentasjon fra arbeidsgiver på omstillingsvedtaket. Når du er i permisjon i henhold til Permisjonsavtalen i staten opprettholdes medlemskapet i permisjonen og lånet beholdes til vanlige vilkår. Det er arbeidsgiver som bestemmer om permisjonen er i henhold til Permisjonsavtalen eller ikke. Du kan beholde lånet ditt hos oss til uendrede vilkår når du blir pensjonert fra stillingen med medlemskap i Statens pensjonskasse.\r\n            ","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 700 000","termingebyr_1_a":"30","nominell_rente_1_a":"2,227","leverandor":{"bb_epost":"laan@spk.no","href":"leverandor/bank/375","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.spk.no/","bytt_bank_url":"http://www.spk.no/","bb_adresse1":"P.b. 5364, Majorstuen","bb_adresse2":"","bb_postnr":"0304","bb_poststed":"Oslo","bb_telefon":"22241645","bb_telefaks":"22241641","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Låneordningen i Statens pensjonskasse er et medlemsgode. Både yrkesaktive medlemmer (som er medlemmer pr. i dag) og pensjonister\r\n               som mottar pensjon fra oss kan søke. Du kan låne inntil 1,5 million kroner. To medlemmer i samme husstand kan søke inntil\r\n               3 millioner kroner. Dersom lånebeløpet fra oss ikke skulle være stort nok til å finansiere hele lånebehovet ditt, vil\r\n               det ofte lønne\r\n               seg\r\n               å låne det du kan i Statens pensjonskasse, og resten i en annen bank. Vi tilbyr samme lave rente på hele lånet, også dersom\r\n               du låner med sikkerhet inntil 80 prosent av boligens markedsverdi. Tall fra Statistisk sentralbyrå viser at renten på boliglån\r\n               hos Statens pensjonskasse har vært ca. en prosent lavere enn hos de ti største bankene i perioden 2004 til 2008.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":false,"tilbyr_banksparing":false,"tilbyr_kredittkort":false,"kontakt_oss_url":"http://www.spk.no/","url":"http://www.spk.no/no/","navn":"Statens Pensjonskasse","visningsnavn":"Statens Pensjonskasse","orgnr":"974760967","modified":"23.08.2010","modifier":"sos@spk.no","tilbyrSph":false,"oppfolging":false,"id":375},"produktpakke":{"navn":"medlemsfordel statsansatte","leverandor":{"bb_epost":"laan@spk.no","href":"leverandor/bank/375","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.spk.no/","bytt_bank_url":"http://www.spk.no/","bb_adresse1":"P.b. 5364, Majorstuen","bb_adresse2":"","bb_postnr":"0304","bb_poststed":"Oslo","bb_telefon":"22241645","bb_telefaks":"22241641","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Låneordningen i Statens pensjonskasse er et medlemsgode. Både yrkesaktive medlemmer (som er medlemmer pr. i dag) og pensjonister\r\n               som mottar pensjon fra oss kan søke. Du kan låne inntil 1,5 million kroner. To medlemmer i samme husstand kan søke inntil\r\n               3 millioner kroner. Dersom lånebeløpet fra oss ikke skulle være stort nok til å finansiere hele lånebehovet ditt, vil\r\n               det ofte lønne\r\n               seg\r\n               å låne det du kan i Statens pensjonskasse, og resten i en annen bank. Vi tilbyr samme lave rente på hele lånet, også dersom\r\n               du låner med sikkerhet inntil 80 prosent av boligens markedsverdi. Tall fra Statistisk sentralbyrå viser at renten på boliglån\r\n               hos Statens pensjonskasse har vært ca. en prosent lavere enn hos de ti største bankene i perioden 2004 til 2008.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":false,"tilbyr_banksparing":false,"tilbyr_kredittkort":false,"kontakt_oss_url":"http://www.spk.no/","url":"http://www.spk.no/no/","navn":"Statens Pensjonskasse","visningsnavn":"Statens Pensjonskasse","orgnr":"974760967","modified":"23.08.2010","modifier":"sos@spk.no","tilbyrSph":false,"oppfolging":false,"id":375},"leverandorVisningsnavn":"Statens Pensjonskasse","leverandorUrl":"http://www.spk.no/no/","leverandorNavn":"Statens Pensjonskasse","leverandorHref":"leverandor/bank/375","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1140","student":false,"spesielle_betingelser":"Er du ansatt i en virksomhet tilknyttet Statens pensjonskasse, er du medlem. Pensjonister som mottar pensjon fra oss, kan også søke om boliglån. Låneordningen er et medlemsgode.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"medlemsfordel statsansatte","min_antall_produkter":"0","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"01.09.2009","published":true,"modified":"28.10.2010","modifier":"brigitte","oppfolging":false,"id":1140},"leverandorVisningsnavn":"Statens Pensjonskasse","leverandorUrl":"http://www.spk.no/no/","leverandorNavn":"Statens Pensjonskasse","leverandorHref":"leverandor/bank/375","produktpakkeHref":"bank/produktpakke/1140","href":"bank/boliglan/46473","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"01.09.2009","produktpakkeNavn":"medlemsfordel statsansatte","maks_alder":"100","publiserFra":"01.05.2012","published":true,"modified":"05.05.2012","modifier":"brigitte","oppfolging":false,"id":46473},{"navn":"Bustadlån innanfor 60%","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Bustadlån innanfor 60%","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Lokalbank på Voss","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Lån med pant i fast bustad. Ved innvilgelse av boliglån forutsettes det at du etablerer kundeforhold med bruks-/lønnskonto med lønnsinngang og nettbank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"15","nominell_rente_1_a":"3,75","leverandor":{"bb_epost":"post@vekselbanken.no","href":"leverandor/bank/296","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56523500","bb_telefaks":"56512747","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Lokalbank på Voss","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Lokalbank på Voss","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vekselbanken.no","navn":"Voss Veksel- og Landmandsbank ASA","visningsnavn":"Voss Veksel- og Landmandsbank ASA","orgnr":"817244742","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":296},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"post@vekselbanken.no","href":"leverandor/bank/296","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"5701","bb_poststed":"Voss","bb_telefon":"56523500","bb_telefaks":"56512747","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Lokalbank på Voss","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Lokalbank på Voss","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.vekselbanken.no","navn":"Voss Veksel- og Landmandsbank ASA","visningsnavn":"Voss Veksel- og Landmandsbank ASA","orgnr":"817244742","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":296},"leverandorVisningsnavn":"Voss Veksel- og Landmandsbank ASA","leverandorUrl":"http://www.vekselbanken.no","leverandorNavn":"Voss Veksel- og Landmandsbank ASA","leverandorHref":"leverandor/bank/296","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178551","student":false,"spesielle_betingelser":"Ved innvilgelse av boliglån forutsettes det at du etablerer kundeforhold i banken med bruks-/lønnskonto med lønnsinngang og nettbank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"24.01.2011","published":true,"modified":"24.02.2012","modifier":"brigitte","oppfolging":false,"id":178551},"leverandorVisningsnavn":"Voss Veksel- og Landmandsbank ASA","leverandorUrl":"http://www.vekselbanken.no","leverandorNavn":"Voss Veksel- og Landmandsbank ASA","leverandorHref":"leverandor/bank/296","produktpakkeHref":"bank/produktpakke/178551","href":"bank/boliglan/45997","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"24.01.2011","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"100","publiserFra":"10.10.2011","published":true,"modified":"07.05.2012","modifier":"norvald.fretheim@vekselbanken.no","oppfolging":false,"id":45997},{"navn":"Førstehjemslån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Nesset Sparebank tar i mot nye kunder fra hele landet. Nye kunder av banken må åpne lønnskonto, sparekonto og elektronisk betalingsformidling i banken.","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"1","rentebinding_ar":"0","forbehold":"Termingebyr forutsetter automatisk trekk av terminbeløp på konto uten melding. Lånet forutsetter en BSU-spareavtale med minimum kr. 10.000,- i årlig sparing.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"50","nominell_rente_1_a":"3,65","leverandor":{"bb_epost":"post@nessetbanken.no","href":"leverandor/bank/433","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6460","bb_poststed":"Eidsvåg","bb_telefon":"71231300","bb_telefaks":"71231301","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nesset Sparebank tar i mot nye kunder fra hele landet. Nye kunder av banken må åpne lønnskonto, sparekonto og elektronisk betalingsformidling i banken.","marked_generell":"Landsdekkende","marked_generell_info":"Nesset Sparebank tar i mot nye kunder fra hele landet. Nye kunder av banken må åpne lønnskonto, sparekonto og elektronisk betalingsformidling i banken.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.nessetbanken.no","navn":"Nesset Sparebank","visningsnavn":"Nesset Sparebank","orgnr":"937900864","modified":"23.04.2013","modifier":"jan-borge@nessetbanken.no","tilbyrSph":false,"oppfolging":false,"id":433},"produktpakke":{"navn":"BSU","leverandor":{"bb_epost":"post@nessetbanken.no","href":"leverandor/bank/433","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"-","bb_adresse2":"","bb_postnr":"6460","bb_poststed":"Eidsvåg","bb_telefon":"71231300","bb_telefaks":"71231301","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Nesset Sparebank tar i mot nye kunder fra hele landet. 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Luster Sparebank framstår i dag som ein solild bank med moderne produkt og tenester.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.luster-sparebank.no","navn":"Luster Sparebank","visningsnavn":"Luster Sparebank","orgnr":"937898614","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":376},"leverandorVisningsnavn":"Luster Sparebank","leverandorUrl":"http://www.luster-sparebank.no","leverandorNavn":"Luster Sparebank","leverandorHref":"leverandor/bank/376","produktpakke_arsgebyr":"0","href":"bank/produktpakke/704","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"26","produktpakke_navn":"nettobank ungdom","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.12.2007","published":true,"modified":"06.07.2009","modifier":"brigitte","oppfolging":false,"id":704},"leverandorVisningsnavn":"Luster Sparebank","leverandorUrl":"http://www.luster-sparebank.no","leverandorNavn":"Luster Sparebank","leverandorHref":"leverandor/bank/376","produktpakkeHref":"bank/produktpakke/704","href":"bank/boliglan/48153","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.12.2007","produktpakkeNavn":"nettobank ungdom","maks_alder":"26","publiserFra":"16.04.2012","published":true,"modified":"19.05.2012","modifier":"brigitte","oppfolging":false,"id":48153},{"navn":"Fleksilån","max_lopetid":"20","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Fleksilån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Luster Sparebank er ein av få attverande sparebankane i Sogn og Fjordane som har hatt mot og styrke til å vera sjølvstendig\n               utan å setja handlefridomen på spel.  Banken har opp gjennom åra søkt samarbeid og utvikla tenester etter behov til beste\n               for kundane sine over heile landet.  Luster Sparebank framstår i dag som ein solild bank med moderne produkt og tenester.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Bankens laveste utlånsrenter er opplyst. 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Banken har opp gjennom åra søkt samarbeid og utvikla tenester etter behov til beste\n               for kundane sine over heile landet.  Luster Sparebank framstår i dag som ein solild bank med moderne produkt og tenester.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Luster Sparebank er ein av få attverande sparebankane i Sogn og Fjordane som har hatt mot og styrke til å vera sjølvstendig\n               utan å setja handlefridomen på spel.  Banken har opp gjennom åra søkt samarbeid og utvikla tenester etter behov til beste\n               for kundane sine over heile landet.  Luster Sparebank framstår i dag som ein solild bank med moderne produkt og tenester.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.luster-sparebank.no","navn":"Luster Sparebank","visningsnavn":"Luster Sparebank","orgnr":"937898614","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":376},"produktpakke":{"navn":"Nettobank","leverandor":{"bb_epost":"post@luster-sparebank.no","href":"leverandor/bank/376","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Sentrum","bb_adresse2":"","bb_postnr":"6868","bb_poststed":"Gaupne","bb_telefon":"57682700","bb_telefaks":"57682710","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Luster Sparebank er ein av få attverande sparebankane i Sogn og Fjordane som har hatt mot og styrke til å vera sjølvstendig\n               utan å setja handlefridomen på spel.  Banken har opp gjennom åra søkt samarbeid og utvikla tenester etter behov til beste\n               for kundane sine over heile landet.  Luster Sparebank framstår i dag som ein solild bank med moderne produkt og tenester.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Luster Sparebank er ein av få attverande sparebankane i Sogn og Fjordane som har hatt mot og styrke til å vera sjølvstendig\n               utan å setja handlefridomen på spel.  Banken har opp gjennom åra søkt samarbeid og utvikla tenester etter behov til beste\n               for kundane sine over heile landet.  Luster Sparebank framstår i dag som ein solild bank med moderne produkt og tenester.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.luster-sparebank.no","navn":"Luster Sparebank","visningsnavn":"Luster Sparebank","orgnr":"937898614","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":376},"leverandorVisningsnavn":"Luster Sparebank","leverandorUrl":"http://www.luster-sparebank.no","leverandorNavn":"Luster Sparebank","leverandorHref":"leverandor/bank/376","produktpakke_arsgebyr":"0","href":"bank/produktpakke/706","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"26","maks_alder":"100","produktpakke_navn":"Nettobank","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"04.12.2007","published":true,"modified":"06.07.2009","modifier":"brigitte","oppfolging":false,"id":706},"leverandorVisningsnavn":"Luster Sparebank","leverandorUrl":"http://www.luster-sparebank.no","leverandorNavn":"Luster Sparebank","leverandorHref":"leverandor/bank/376","produktpakkeHref":"bank/produktpakke/706","href":"bank/boliglan/123223","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"04.12.2007","produktpakkeNavn":"Nettobank","maks_alder":"100","publiserFra":"16.04.2012","published":true,"modified":"19.05.2012","modifier":"brigitte","oppfolging":false,"id":123223},{"navn":"Førstehjemslån","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"1 800","depotgebyr":"900","renteberegning":"etterskudd","max_belaningsgrad":"85","trapp_type":"hele","produktnavn":"Førstehjemslån","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","forstehjemslan":true,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Med førstehjemslån i Sunndal Sparebank får du inntil 85% finansiering til konkurransedyktige betingelser ved\r\nførstegangskjøp av egen bolig. Førstehjemslånet kan overføres fra annen bank. Ingen krav til BSU, men sparer du i BSU oppnår du lånerett og fri etableringsgebyr. Førstehjemslån gjelder kun ved finansiering av første bolig.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"post@sunndal-sparebank.no","href":"leverandor/bank/277","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 14","bb_adresse2":"","bb_postnr":"6601","bb_poststed":"Sunndalsøra","bb_telefon":"71 68 91 00","bb_telefaks":"71 68 91 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sunndal-sparebank.no","navn":"Sunndal Sparebank","visningsnavn":"Sunndal Sparebank","orgnr":"937899963","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":277},"produktpakke":{"navn":"Helkundeforhold","leverandor":{"bb_epost":"post@sunndal-sparebank.no","href":"leverandor/bank/277","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 14","bb_adresse2":"","bb_postnr":"6601","bb_poststed":"Sunndalsøra","bb_telefon":"71 68 91 00","bb_telefaks":"71 68 91 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sunndal-sparebank.no","navn":"Sunndal Sparebank","visningsnavn":"Sunndal Sparebank","orgnr":"937899963","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":277},"leverandorVisningsnavn":"Sunndal Sparebank","leverandorUrl":"http://www.sunndal-sparebank.no","leverandorNavn":"Sunndal Sparebank","leverandorHref":"leverandor/bank/277","produktpakke_arsgebyr":"0","href":"bank/produktpakke/135379","student":false,"spesielle_betingelser":"Vilkårene forutsetter at kunde som et minimum har lønnskonto, kort og nettbank. I den grad det er aktuelt må kunden også etablere lån og forsikringer (skade- og livsforsikringer) hos oss.   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Banken\n               er og skal være markedsleder i Sunndal.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Per uttak av kredittramme beregnes et gebyr på kr 200,-. Vilkår bestemmes ut fra betalingsevne og sikkerhet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"40","nominell_rente_1_a":"3,40","leverandor":{"bb_epost":"post@sunndal-sparebank.no","href":"leverandor/bank/277","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 14","bb_adresse2":"","bb_postnr":"6601","bb_poststed":"Sunndalsøra","bb_telefon":"71 68 91 00","bb_telefaks":"71 68 91 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sunndal-sparebank.no","navn":"Sunndal Sparebank","visningsnavn":"Sunndal Sparebank","orgnr":"937899963","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":277},"produktpakke":{"navn":"Helkundeforhold","leverandor":{"bb_epost":"post@sunndal-sparebank.no","href":"leverandor/bank/277","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 14","bb_adresse2":"","bb_postnr":"6601","bb_poststed":"Sunndalsøra","bb_telefon":"71 68 91 00","bb_telefaks":"71 68 91 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Sunndal Sparebank er en selvstendig bank som yter bank- og finansieringstjenester gjennom ett kontor i Sunndal kommune. Banken\n               er og skal være markedsleder i Sunndal.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sunndal-sparebank.no","navn":"Sunndal Sparebank","visningsnavn":"Sunndal Sparebank","orgnr":"937899963","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":277},"leverandorVisningsnavn":"Sunndal Sparebank","leverandorUrl":"http://www.sunndal-sparebank.no","leverandorNavn":"Sunndal Sparebank","leverandorHref":"leverandor/bank/277","produktpakke_arsgebyr":"0","href":"bank/produktpakke/135379","student":false,"spesielle_betingelser":"Vilkårene forutsetter at kunde som et minimum har lønnskonto, kort og nettbank. I den grad det er aktuelt må kunden også etablere lån og forsikringer (skade- og livsforsikringer) hos oss.   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Men vi er åpen for kunder\n               fra resten av landet.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"10","forbehold":"Det er vanskelig å treffe rentebunnen, så det å spekulere i at fastrente skal lønne seg er forbundet med risiko. Vår anbefaling er at det er din økonomiske situasjon og dine ønsker som styrer valget. Dersom du foretrekker tryggheten i faste månedlige låneutgifter så har vi til enhver tid tilbud om fastrente med 2, 3, 4, 5, 7 og 10 års rentebinding. Fordeler med fastrentelån: Forutsigbare låneutgifter - renten påvirkes ikke av svigninger i rentemarkedet. Kan kombineres med boliglån med flytende rente, for eksempel ved å dele opp lånet i en fast og en flytende del. Økonomisk trygghet - du har til enhver tid god oversikt over låneutgiftene dine. For nye boliglånskunder er etableringsgebyr for etablering av avdragslån med sikkerhet kr 1.950,-. 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Før du låner pengar til bustad, bør du skaffa deg ei oversikt over eigen økonomi. Kontaktar du ein av rådgjevarane våre, får du ei kvalifisert vurdering av kor stort bustadlån du kan ha. Opplyst utlånsrente er bankens laveste veiledende betingelser. Den endelige utlånsrente man vil få fastsettes etter individuell vurdering av lånesøknad og kundeforhold.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"30","nominell_rente_1_a":"4,10","leverandor":{"bb_epost":"post@etne-sparebank.no","href":"leverandor/bank/319","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 4","bb_adresse2":"","bb_postnr":"5591","bb_poststed":"Etne","bb_telefon":"53771500","bb_telefaks":"53771501","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Tilbyr boliglån til kunder i Etne.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank-tjenester til kunder i Etne.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.etne-sparebank.no","navn":"Etne Sparebank","visningsnavn":"Etne Sparebank","orgnr":"937897464","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":319},"produktpakke":{"navn":"Fordelsprogram","leverandor":{"bb_epost":"post@etne-sparebank.no","href":"leverandor/bank/319","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 4","bb_adresse2":"","bb_postnr":"5591","bb_poststed":"Etne","bb_telefon":"53771500","bb_telefaks":"53771501","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Tilbyr boliglån til kunder i Etne.","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Tilbyr kundeforhold, banksparing og dagligbank-tjenester til kunder i Etne.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.etne-sparebank.no","navn":"Etne Sparebank","visningsnavn":"Etne Sparebank","orgnr":"937897464","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":319},"leverandorVisningsnavn":"Etne Sparebank","leverandorUrl":"http://www.etne-sparebank.no","leverandorNavn":"Etne Sparebank","leverandorHref":"leverandor/bank/319","produktpakke_arsgebyr":"0","href":"bank/produktpakke/1196","student":false,"spesielle_betingelser":"","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Fordelsprogram","min_antall_produkter":"3","min_inntekt":"0","min_gjeld":"0","min_sparing":"250 000","publiserFra":"11.12.2009","published":true,"modified":"11.12.2009","modifier":"wenche.thorson@etne-sparebank.no","oppfolging":false,"id":1196},"leverandorVisningsnavn":"Etne Sparebank","leverandorUrl":"http://www.etne-sparebank.no","leverandorNavn":"Etne Sparebank","leverandorHref":"leverandor/bank/319","produktpakkeHref":"bank/produktpakke/1196","href":"bank/boliglan/183748","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"11.12.2009","produktpakkeNavn":"Fordelsprogram","maks_alder":"100","publiserFra":"18.03.2013","published":true,"modified":"18.03.2013","modifier":"wenche.thorson@etne-sparebank.no","oppfolging":false,"id":183748},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"1 500","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"75","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"3","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 200 000","termingebyr_1_a":"25","min_belop_b":"1 200 000","max_belop_b":"2 000 000","termingebyr_1_b":"25","min_belop_c":"2 000 000","termingebyr_1_c":"25","nominell_rente_1_a":"4,45","nominell_rente_1_b":"4,35","nominell_rente_1_c":"3,80","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"produktpakke":{"navn":"Helkunde Privat Ekstra","leverandor":{"bb_epost":"ms@modum.sparebank1.no","href":"leverandor/bank/362","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"http://www.modum.sparebank1.no","bytt_bank_url":"http://www.modum.sparebank1.no","bb_adresse1":"Pb. 114","bb_adresse2":"","bb_postnr":"3370","bb_poststed":"Vikersund","bb_telefon":"32781900","bb_telefaks":"32781901","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og foreninger\r\n               og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav til kvalitet\r\n               og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"SpareBank 1 Modum skal være en selvstendig, lokalorientert bank for kunder i Modum, Øvre Eiker og nærliggende områder. Dekke\r\n               et samlet behov for finansielle tjenester til personer, små- og mellomstore bedrifter, landbruk, offentlig sektor, lag og\r\n               foreninger og etablere nære og langvarige kunderelasjoner gjennom kompetente, forandringsvillige medarbeidere med eget krav\r\n               til kvalitet og høyt etisk nivå. Gjennom god lønnsomhet og soliditet bidra til utvikling av næringsliv, kultur og idrett.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"http://www.modum.sparebank1.no","url":"http://www.modum.sparebank1.no","navn":"Modum Sparebank","visningsnavn":"SpareBank 1 Modum (Modum Sparebank)","orgnr":"937889186","modified":"26.07.2011","modifier":"geir.ostensen@modum.sparebank1.no","tilbyrSph":false,"oppfolging":false,"id":362},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakke_arsgebyr":"0","href":"bank/produktpakke/196258","student":false,"spesielle_betingelser":"Vår fordelspakke Privat Ekstra, er satt sammen av tjenester du virkelig kan dra nytte av. \r\nPrivat Ekstra gir deg flere fordeler. De aller fleste bruker banken sin på flere forskjellige områder som utlån, innskudd, regningsbetaling osv. Dessuten har vi gjerne behov for betalingskort og mange ønsker seg også kredittkort. Som lønnskontokunde hos oss kan du velge og kjøpe Privat Ekstra. Du får da en rekke fordeler som gjør det rimeligere og mer praktisk for deg når du skal bruke banken. I tillegg til medlemsfordelene i Privat Ekstra får du som fordelskunde og helkunde i vår bank: * 0,25% i rabatt på lån med pant i bolig\r\n* alternativt 0,25% bedre rente på kapitalkonto OBS: For å bli Privat Ekstra kunde forutsettes det en kredittvurdering og et kundeforhold i tråd med våre Privat Ekstra kriterier.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Helkunde Privat Ekstra","min_antall_produkter":"4","min_inntekt":"0","min_gjeld":"50 000","min_sparing":"50 000","publiserFra":"14.12.2007","published":true,"modified":"13.06.2012","modifier":"brigitte","oppfolging":false,"id":196258},"leverandorVisningsnavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorUrl":"http://www.modum.sparebank1.no","leverandorNavn":"SpareBank 1 Modum (Modum Sparebank)","leverandorHref":"leverandor/bank/362","produktpakkeHref":"bank/produktpakke/196258","href":"bank/boliglan/46537","student":false,"alder_fra_produktpakke":true,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"14.12.2007","produktpakkeNavn":"Helkunde Privat Ekstra","maks_alder":"100","publiserFra":"20.03.2013","published":true,"modified":"20.03.2013","modifier":"geir.ostensen@modum.sparebank1.no","oppfolging":false,"id":46537},{"navn":"Flexilån 60 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"750","depotgebyr":"750","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Flexilån 60 %","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"0","nominell_rente_1_a":"4,45","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"produktpakke":{"navn":"Brukskonto med lønnsinngang","leverandor":{"bb_epost":"nettpost@indresognsparebank.no","href":"leverandor/bank/332","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 10","bb_adresse2":"","bb_postnr":"6881","bb_poststed":"Årdalstangen","bb_telefon":"57 64 85 10","bb_telefaks":"","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal, Sogndal og Bergen.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Indre Sogn Sparebank er ein regionbank for Indre Sogn, med kommunane Årdal Lærdal og Sogndal som primærområde. Banken har\r\n               hovudkontor på Årdalstangen og avdelingskontor i Øvre Årdal, Lærdal,Sogndal og Bergen.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.indresognsparebank.no","navn":"Indre Sogn Sparebank","visningsnavn":"Indre Sogn Sparebank","orgnr":"837897912","modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","tilbyrSph":false,"oppfolging":false,"id":332},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakke_arsgebyr":"0","href":"bank/produktpakke/178302","student":false,"spesielle_betingelser":"Boliglån forutsetter etablering av kundeforhold med lønns-/brukskonto og lønnsinngang.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto med lønnsinngang","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"22.02.2012","published":true,"modified":"22.02.2012","modifier":"brigitte","oppfolging":false,"id":178302},"leverandorVisningsnavn":"Indre Sogn Sparebank","leverandorUrl":"http://www.indresognsparebank.no","leverandorNavn":"Indre Sogn Sparebank","leverandorHref":"leverandor/bank/332","produktpakkeHref":"bank/produktpakke/178302","href":"bank/boliglan/129881","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"22.02.2012","produktpakkeNavn":"Brukskonto med lønnsinngang","maks_alder":"150","publiserFra":"22.03.2013","published":true,"modified":"05.04.2013","modifier":"catrin.sandnes@indresognsparebank.no","oppfolging":false,"id":129881},{"navn":"Boliglån lån over 2 mill","max_lopetid":"35","kap_periode":"1","etableringsgebyr":"1 000","depotgebyr":"500","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån lån over 2 mill","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Lån > 2 mill. innenfor 60% av verdigrunnlaget","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"35","nominell_rente_1_a":"3,80","leverandor":{"bb_epost":"post@tsbank.no","href":"leverandor/bank/303","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Torget 5","bb_adresse2":"Postboks 114","bb_postnr":"1860","bb_poststed":"Trøgstad","bb_telefon":"69 82 49 00","bb_telefaks":"69 82 49 40","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Trøgstad Sparebank er en lokal og selvstendig sparebank etablert i 1847. Hovedkontoret ligger på Skjønhaug med filialer i\n               Båstad og Fetsund (Fetsundbanken). Vårt mål er å gi deg et komplett tilbud på de bank- og forsikringstjenestene du har bruk\n               for, uansett hvilke fase av livet du befinner deg.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.trogstad-sparebank.no","navn":"Trøgstad Sparebank","visningsnavn":"Trøgstad Sparebank","orgnr":"937885377","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":303},"leverandorVisningsnavn":"Trøgstad Sparebank","leverandorUrl":"http://www.trogstad-sparebank.no","leverandorNavn":"Trøgstad Sparebank","leverandorHref":"leverandor/bank/303","produktpakkeHref":"","href":"bank/boliglan/226970","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"26.03.2013","published":true,"modified":"16.04.2013","modifier":"hanne.froshaug@trogstad-sparebank.no","oppfolging":false,"id":226970},{"navn":"Fastrentelån 70% 10 år","max_lopetid":"25","kap_periode":"1","etableringsgebyr":"2 000","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Fastrentelån 70% 10 år","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Gir tilbud til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"10","forbehold":"Med fastrentelån vet du hvor mye du må betale på lånet ved hvert forfall, i den avtalte perioden. Du kan selv velge om du vil binde renten i 3, 5 eller 10 år. Fastrentelån gir deg garanti mot økte renter i rentebindingsperioden, og gjør det lettere å planlegge økonomien framover.  For at vi skal innvilge søknad om boliglån må du etablere kundeforhold med brukskonto og lønnsinngang. Terminbeløp dvs. renter, avdrag og termingebyr belastes brukskonto. Fastrentelån kan bli dyrere enn andre typer lån ved synkende rentenivå. Du kan kombinere fastrentelån og lån med flytende rente. På den måten kan du sikre deg mot virkningen av renteoppgang, samtidig som du drar nytte av en rentenedgang. Det er viktig å være klar over at det er spesielle betingelser knyttet til et fastrentelån. Du kan ikke uten videre endre terminbeløp, hoppe over en termin eller endre lengden på terminene så lenge renten er bundet. Overkurs og underkurs Ønsker du å nedbetale et fastrentelån raskere enn avtalt, vil det bli beregnet overkurs eller underkurs på lånet. Det betyr forenklet at om rentenivået har sunket siden du fikk utbetalt lånet ditt, må du betale det banken taper i renteinntekter. Har rentenivået derimot steget, vil du bli godskrevet rentegevinsten. Overkursen eller underkursen vil bli høyere jo lengre rentebinding du har og jo tidligere i bindingsperioden du ønsker å endre nedbetalingsplanen. Ta kontakt Vi gir deg råd om ulike låneformer ut fra ditt behov og dine ønsker. Ta kontakt med ditt bankkontor for mer informasjon og tilbud.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"35","nominell_rente_1_a":"4,75","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"kundesenter@sparebanken-hedmark.no","href":"leverandor/bank/368","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 203","bb_adresse2":"","bb_postnr":"2302","bb_poststed":"Hamar","bb_telefon":"02999","bb_telefaks":"62 51 21 11","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Gir tilbud til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Gir tilbud til hele landet.","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.sparebanken-hedmark.no","navn":"Sparebanken Hedmark","visningsnavn":"Sparebanken Hedmark","orgnr":"920426530","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":368},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakke_arsgebyr":"0","href":"bank/produktpakke/942","student":false,"spesielle_betingelser":"Boliglån forutsetter at du etablerer kundeforhold med lønnskonto med lønnsinngang og betalingstjenester. Lånerenten vurderes ut fra betalingsevne, sikkerhet og ditt totale engasjement i banken. Betingelser blir derfor fastsatt individuelt for hvert enkelt lån. Presenterte betingelser her tilsvarer bankens beste veilednende betingelser.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"500 000","min_sparing":"0","publiserFra":"02.09.2008","published":true,"modified":"19.02.2012","modifier":"brigitte","oppfolging":false,"id":942},"leverandorVisningsnavn":"Sparebanken Hedmark","leverandorUrl":"http://www.sparebanken-hedmark.no","leverandorNavn":"Sparebanken Hedmark","leverandorHref":"leverandor/bank/368","produktpakkeHref":"bank/produktpakke/942","href":"bank/boliglan/46825","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"02.09.2008","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"29.04.2013","published":true,"modified":"29.04.2013","modifier":"sphof","oppfolging":false,"id":46825},{"navn":"Fleksilån 60%","max_lopetid":"5","kap_periode":"1","etableringsgebyr":"1 200","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Fleksilån 60%","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Kontogebyr forutsettes å kunne belastes brukskonto i Vik Sparebank og lånet disponeres gjennom nettbank.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"100","nominell_rente_1_a":"4,00","leverandor":{"bb_epost":"nettpost@viksparebank.no","href":"leverandor/bank/435","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 174","bb_adresse2":"","bb_postnr":"6891","bb_poststed":"Vik i Sogn","bb_telefon":"57698850","bb_telefaks":"57698870","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"produktpakke":{"navn":"Brukskonto","leverandor":{"bb_epost":"nettpost@viksparebank.no","href":"leverandor/bank/435","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 174","bb_adresse2":"","bb_postnr":"6891","bb_poststed":"Vik i Sogn","bb_telefon":"57698850","bb_telefaks":"57698870","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","marked_generell":"Landsdekkende","marked_generell_info":"Vik Sparebank set kunden i sentrum. Anten kunden bur i banken sitt nærområde eller andre stader i landet, har me som målsetjing\n               å alltid stå til teneste for dei som nyttar oss- til beste for deg som kunde. Vik Sparebank har hovudmarknaden i eigen kommune,\n               men omlag 35 % av kundane bur utafor kommunegrensene.\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.viksparebank.no","navn":"Vik Sparebank","visningsnavn":"Vik Sparebank","orgnr":"937899041","modified":"16.03.2011","modifier":"nelly","tilbyrSph":false,"oppfolging":false,"id":435},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakke_arsgebyr":"0","href":"bank/produktpakke/218200","student":false,"spesielle_betingelser":"Termingebyr for boliglån forutsetter at terminbeløp (renter, avdrag og termingebyr) for lånet belastes konto i Vik Sparebank.","pensjonist":false,"min_alder":"18","maks_alder":"100","produktpakke_navn":"Brukskonto","min_antall_produkter":"2","min_inntekt":"0","min_gjeld":"0","min_sparing":"0","publiserFra":"30.01.2013","published":true,"modified":"30.01.2013","modifier":"brigitte","oppfolging":false,"id":218200},"leverandorVisningsnavn":"Vik Sparebank","leverandorUrl":"http://www.viksparebank.no","leverandorNavn":"Vik Sparebank","leverandorHref":"leverandor/bank/435","produktpakkeHref":"bank/produktpakke/218200","href":"bank/boliglan/142075","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkePubliserFra":"30.01.2013","produktpakkeNavn":"Brukskonto","maks_alder":"100","publiserFra":"23.04.2013","published":true,"modified":"29.04.2013","modifier":"britt@viksparebank.no","oppfolging":false,"id":142075},{"navn":"Boliglån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"2 500","depotgebyr":"250","renteberegning":"etterskudd","max_belaningsgrad":"60","trapp_type":"hele","produktnavn":"Boliglån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"10","rentebinding_ar":"0","forbehold":"Vi gir deg konkurransedyktige priser på ditt boliglån hos oss. Hvor god rente vi kan gi deg vil avhenge både av den sikkerheten du kan stille og økonomien din. Du kan velge serielån eller annuitetslån. Et serielån har faste avdrag hver termin, med tillegg av renten. Med et annuitetslån betaler du like mye hver termin. I begynnelsen utgjør rentene en relativt sett stor andel av det du betaler. Etter hvert øker avdragsandelen. Snakk med oss om refinansiering. Hvis du har flere lån kan det være lurt å samle disse i et lån. Det gjelder også hvis lånene dine er i flere finansinstitusjoner. Vi ordner alt det praktiske. Vi gir råd i forbindelse med låneopptak. Et lån er en alvorlig forpliktelse som du sannsynligvis skal leve med i mange år. Snakk med oss. Vi kan beregne dine totale lånekostnader, og fortelle deg hvordan ditt låneopptak vil innvirke på økonomien din.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"2 000 000","termingebyr_1_a":"40","nominell_rente_1_a":"3,70","leverandor":{"bb_epost":"post@time-sparebank.no","href":"leverandor/bank/307","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Postboks 325","bb_adresse2":"","bb_postnr":"4349","bb_poststed":"Bryne","bb_telefon":"51 77 91 00","bb_telefaks":"51 48 36 50","marked_boliglan":"Lokalt/Regionalt","marked_boliglan_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","marked_generell":"Lokalt/Regionalt","marked_generell_info":"Time Sparebank er en selvstendig lokal sparebank. Hovedkontoret ligger på Bryne, og vi har fillialer på Varhaug, Kvernaland, Vigrestad\r\n               og Undheim. Vår visjon er at vi skal være en sterk lokalbank for Jæren. Målet er å gi deg et komplett tilbud på de bank- og\r\n               forsikringstjenestene du har bruk for, uansett hvilken fase av livet du befinner deg i.\r\n            ","tilbyr_boliglan":true,"tilbyr_forbrukslan":true,"tilbyr_dagligbank":true,"tilbyr_banksparing":true,"tilbyr_kredittkort":true,"kontakt_oss_url":"","url":"http://www.time-sparebank.no","navn":"Time Sparebank","visningsnavn":"Time Sparebank","orgnr":"937896204","modified":"11.05.2012","modifier":"ola.auglend@time-sparebank.no","tilbyrSph":false,"oppfolging":false,"id":307},"leverandorVisningsnavn":"Time Sparebank","leverandorUrl":"http://www.time-sparebank.no","leverandorNavn":"Time Sparebank","leverandorHref":"leverandor/bank/307","produktpakkeHref":"","href":"bank/boliglan/46703","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"05.05.2013","published":true,"modified":"13.05.2013","modifier":"ola.auglend@time-sparebank.no","oppfolging":false,"id":46703},{"navn":"Boliglån 70 %","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"0","depotgebyr":"0","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Boliglån 70 %","markedsomraade":"Landsdekkende","markedsomraadeTekst":"Boligkreditt.no tilbyr boliglån til hele landet.","forstehjemslan":false,"rammelan":false,"rentetak":false,"max_avdragsfrihet":"5","rentebinding_ar":"0","forbehold":"Boligkreditt.no tilbyr lån med sikkerhet innenfor 70 % av eiendommens markedsverdi med 1. prioritets pant i; Enebolig, Rekkehus, Selveierleilighet eller Borettslagsleilighet. Vi tar forbehold om godkjenning av panteobjektet. Det godtas ikke realkausjon. Vi tilbyr ikke mellomfinansiering. Betingelser: Ingen termingebyr. Kun månedlige terminbeløp som foretas med avtalegiro. Avdragsfrihet kan innvilges for inntil 5 år av gangen. Øvre beløpsgrense for lån kr 6 mill. Det tillates ingen betalingsanmerkninger. Kredittsjekk vil bli foretatt. Lån med sikkerhet i flere eiendommer gir ett lån pr. sikkerhet.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","max_belop_a":"1 999 999","termingebyr_1_a":"0","min_belop_b":"2 000 000","max_belop_b":"6 000 000","termingebyr_1_b":"0","nominell_rente_1_a":"3,54","nominell_rente_1_b":"3,34","leverandor":{"bb_epost":"kundeservice@boligkreditt.no","href":"leverandor/bank/205579","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"https://www.boligkreditt.no/","bytt_bank_url":"https://www.boligkreditt.no/","bb_adresse1":"Postboks 67","bb_adresse2":"","bb_postnr":"3301","bb_poststed":"Hokksund","bb_telefon":"09152","bb_telefaks":"32757601","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Boligkreditt.no tilbyr boliglån til hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Boligkreditt.no tilbyr ikke dagligbank, kort eller banksparing.","tilbyr_boliglan":true,"tilbyr_forbrukslan":false,"tilbyr_dagligbank":false,"tilbyr_banksparing":false,"tilbyr_kredittkort":false,"kontakt_oss_url":"https://www.boligkreditt.no/","url":"https://www.boligkreditt.no/","navn":"Boligkreditt","visningsnavn":"Boligkreditt.no (Sparebanken Øst Boligkreditt AS)","orgnr":"993997889","modified":"06.02.2013","modifier":"brigitte","tilbyrSph":false,"oppfolging":false,"id":205579},"leverandorVisningsnavn":"Boligkreditt.no (Sparebanken Øst Boligkreditt AS)","leverandorUrl":"https://www.boligkreditt.no/","leverandorNavn":"Boligkreditt.no (Sparebanken Øst Boligkreditt AS)","leverandorHref":"leverandor/bank/205579","produktpakkeHref":"","href":"bank/boliglan/216789","student":false,"alder_fra_produktpakke":false,"pensjonist":false,"min_alder":"18","produktpakkeNavn":"Ingen","maks_alder":"100","publiserFra":"29.01.2013","published":true,"modified":"15.05.2013","modifier":"gry.syversen@oest.no","oppfolging":false,"id":216789},{"navn":"Aktivlån","max_lopetid":"30","kap_periode":"1","etableringsgebyr":"700","depotgebyr":"600","renteberegning":"etterskudd","max_belaningsgrad":"70","trapp_type":"hele","produktnavn":"Aktivlån","markedsomraade":"Lokalt/Regionalt","markedsomraadeTekst":"Aasen Sparebank har hovedkontor på Åsen og salgskontor i Levanger og på Verdal.","forstehjemslan":false,"rammelan":true,"rentetak":false,"max_avdragsfrihet":"0","rentebinding_ar":"0","forbehold":"Vil du ha litt større økonomisk frihet i hverdagen, og forvalte ditt eget lån? Det kan du gjøre hos oss. Kriteriene som må oppfylles for å få et slikt lån er: * Sikkerhet innen 70% av verdien på boligen din. * At du har god økonomi. * At du ikke har betalingsanmerkninger. Hvordan fungerer et Aktivlån? Etter at vi har innvilget deg lånet, vil lånet dukke opp som en egen konto i NettBank, hvor du selv kan \"låne\" penger innen innvilget låneramme. Overfør penger til og fra lånet i NettBank Du betaler ingen renter eller provisjon for den ubenyttede kreditten. Du kan pusse opp badet eller kjøpe ny bil uten å måtte gå i banken en gang. Bestem selv når du vil betale avdrag, så lenge du er innenfor innvilget låneramme. Renten på Aktivlån tilsvarer renten som banken ellers tilbyr på sine lån innenfor henholdvis 60% og 70%. 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Da kan du ordne dette selv i Nettbanken/ Mobilbanken.","trapp_typeB":"hele","trapp_typeC":"hele","trapp_typeD":"hele","trapp_typeE":"hele","min_belop_a":"0","termingebyr_1_a":"60","nominell_rente_1_a":"3,90","leverandor":{"bb_epost":"post@bjugn-sparebank.no","href":"leverandor/bank/262","leverandorType":{"index":0,"href":"kodeverk/SphLeverandorType/null","norsk":"Bank","english":"Bank"},"bli_kunde_url":"","bytt_bank_url":"","bb_adresse1":"Boks 232","bb_adresse2":"","bb_postnr":"7159","bb_poststed":"Bjugn","bb_telefon":"72 51 66 00","bb_telefaks":"72 51 66 01","marked_boliglan":"Landsdekkende","marked_boliglan_info":"Vi har ikke begrenset vårt markedsområde. Vi har/og ønsker kunder over hele landet.","marked_generell":"Landsdekkende","marked_generell_info":"Vi har ikke begrenset vårt markedsområde. 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\ No newline at end of file
diff --git a/src/test/resources/freeloan/serialLoanJSResults.json b/src/test/resources/freeloan/serialLoanJSResults.json
new file mode 100644
index 0000000..6b82a61
--- /dev/null
+++ b/src/test/resources/freeloan/serialLoanJSResults.json
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diff --git a/src/test/resources/freeloan/serialLoanJSResultsDiffParams1.json b/src/test/resources/freeloan/serialLoanJSResultsDiffParams1.json
new file mode 100644
index 0000000..2fa557e
--- /dev/null
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diff --git a/src/test/resources/freeloan/serialLoanJSResultsDiffParams3.json b/src/test/resources/freeloan/serialLoanJSResultsDiffParams3.json
new file mode 100644
index 0000000..e82c89b
--- /dev/null
+++ b/src/test/resources/freeloan/serialLoanJSResultsDiffParams3.json
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diff --git a/src/test/resources/freeloan/serialLoanJSResultsDiffParams4.json b/src/test/resources/freeloan/serialLoanJSResultsDiffParams4.json
new file mode 100644
index 0000000..7d354e3
--- /dev/null
+++ b/src/test/resources/freeloan/serialLoanJSResultsDiffParams4.json
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