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Certificate loans

  • Maturities of between 3 and 12 months
  • Need to be refinanced at maturity

Certificate loans are suitable for municipalities that have the capacity and expertise to take a more complex approach to debt management. Short-term financing through the use of certificate loans creates risk because the loans have to be refinanced when they fall due for repayment. A municipality must establish its own framework for the use of certificate loans. This framework must be assessed against the requirements of the Local Government Act to not to take significant financial risk. The municipalities must at all times be able to meet their payment obligations when they fall due.

Information and terms

Maturity Up to 12 months
Interest determination According to agreement
Installment Interest only
Fixed interest The loan's entire term
Green interest rate Read more on green rates
Flexible installment structure ?
Interest calculation Actual / 365 days
Loan termination
Partial payments
KBN charge free
Notification period for interest change
Conversion of fixed product