Basically it is fairly straightforward when comes to banking in Norway. Since the country has high level technological development all sort of money transaction in the country happens by means of online and with cards. And yeah it is not such a tedious process to open bank account in Norway and also for the expats who is newly moving to the country can easily get a national ID number through that one can open accounts and proceed for transactions. Many banks in Norway provides personal loan and they lend money without any sort of equity since Norway has advanced technological improvement but there is some constraints are there that get vary depends on bank. Some bank has tie up with other bank so that the consumer’s current financial statues can be predicted by the bank that is going to lend money.
Depends upon the consumer’s financial status bank will decide whether money can be borrowed with equity or without equity. Even sometimes they will cancel loan if consumer financial status does not comes under desire loan terms and condition. It is very quick and easy process to get credit and debit cards from bank. As soon as you open your account cards will be given and security details will be discussed over the phone call. People won’t frequently step into bank mostly all queries and discussion will be on phone only .People rarely use their credit cards that to for major purchase alone mostly they will go for the bank card option. Consumer can låne penger uten egenkapital it is mostly referred as unsecured loans and consumer consider it as personal loan.
On Which Basis Loan Provided?
In Norway three types of banks are there such as commercial bank, savings bank, and foreign banks. Loans offered by one bank get differ from other bank. Sparebanken, Nordea, Dankse Bank, and DNB ASA are main banks in Norway. As I said before every bank has different loan scenario the interest rate for borrowing money from bank also differ. If a person with highly paid profession is trust worthy without equity .As well as for without equity terms the fixing of interest rate is high and in some of the local banks in Norway provide loan without equity within four hours if the person is eligible for their terms and conditions. For loan without equity best solution is to opt personal loan because the main reason is you don’t need any collateral or to have security for the money which you going to borrow.