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Loan Guide

  1. Introduction

    KBN is of the view that it is important for municipalities to have their own, reasoned views on interest rate choices, risk levels and how the borrowing processes is carried out. We have therefore brought together some useful information into a loan guide.

  2. The composition of loan portfolios

    The municipality's finances must be managed so that the economic capacity is maintained over time. The municipal debt affects the economy and therefore it is important to have knowledge of how the debt is composed, the properties of the products and the risk the debt portfolio is exposed to.

  3. Comparing loan offers

    When comparing loan offers, it is important to look at the overall price, including all the fees and costs. This is expressed as the effective interest rate, which reveals the overall cost of the loan.


  4. Financial terms

    Relevant financial terms are explained belowed.