General Assessment

Variable(2017)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: Amendments added to the Financial Institutions Act in 2013
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: Pre-tax income
Notes: Pre-tax income
Notes: Pre-tax income
Notes: Pre-tax income
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: 1800 USD Fee plus the cost of legal services
Notes: 1800 USD public fee plus the cost of legal assistance
Notes: 1800 USD public fee plus the cost of legal assistance
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: 2014 = 100
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013
Notes: Amendments added to the Financial Institutions Act in 2013  
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices
Notes: Annual Change in Nominal House Prices 
Notes: can finance all or parts of the house cost
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate
Notes: Converted from EURO to USD with end of year exchange rate 
Notes: Converted from EURO to USD with end of year exchange rate  
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: Entire Country
Notes: First introduced
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: If the owner lived in the property being sold for at least one year, the dwelling is eligible for tax free capital gains
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank Loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank loans
Notes: Inter-bank Loans
Notes: Inter-bank loans
Notes: Inter-bank Loans
Notes: Inter-bank Loans
Notes: Inter-bank loans.
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages
Notes: interest deduction applied to all debts not just mortgages 
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities
Notes: levied at a municipal level, not present in all municipalities 
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure
Notes: National Figure, note that 80% lives in Urban Areas
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015) 
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank is funded by national government. In 2015, the Housing Bank financed almost a fifth of all housing units started through basic construction loans and grants for sheltered housing (annual report 2015)
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank, Other Credit Institutions, Life Insurance Companies
Notes: Norwegian State Housing Bank; funded by the central government, in charge of housing subsidies and grants, also makes market rate loans
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: only a stamp duty of 2.5%
Notes: Percentage of population, not dwelling units
Notes: Percentage of population, not dwelling units
Notes: Percentage of population, not dwelling units
Notes: Pre-tax income
Notes: Pre-tax income
Notes: Tenant, rented at reduced price or free, in all areas
Notes: Tenant, rented at reduced price or free, in all areas
Notes: The Financial Supervisory Authority of Norway  
Notes: The Financial Supervisory Authority of Norway; government agency responsible for oversight of financial institutions
Notes: The Financial Supervisory Authority of Norway; government agency responsible for oversight of financial institutions
Notes: The Financial Supervisory Authority of Norway; government agency responsible for oversight of financial institutions
Notes: The Financial Supervisory Authority of Norway; government agency responsible for oversight of financial institutions
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data
Notes: The report does not mention whether the Housing Bank is included in the data 
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477
Notes: Total Credit from Table 07477