Startløsningen

Startløsningen is a Norwegian municipal housing program designed to help people who have difficulty obtaining housing in the ordinary market. It combines various financial instruments and is administered by municipalities within the framework set by Husbanken, the Norwegian State Housing Bank. The aim is to reduce homelessness and provide a stable housing basis for vulnerable groups.

Who can qualify varies by municipality, but the program is intended for those with substantial barriers to securing housing. Typical target groups include families with low income, new immigrants, people with disabilities or health problems, and others at risk of housing instability. The goal is to enable these residents to establish and retain a safe home.

What the program offers includes financial support such as start loans, grants, and guarantees for loans, often combined with coverage for deposits, rent guarantees, or relocation costs. In many municipalities, participation in housing- or employment-related follow-up measures or counseling is part of the condition for receiving support, with the aim of promoting long-term housing stability.

Administration and process: Startløsningen is implemented through the municipal housing or social services. Applicants submit a housing plan and financial information, and a local committee assesses needs, affordability, and the likelihood of sustained housing. The municipality coordinates with Husbanken for guidelines, funding, and monitoring.

Overview: Startløsningen emerged in response to housing insecurity and homelessness challenges in Norway, and it continues to evolve with adjustments based on outcomes and local needs. The program’s impact varies between municipalities, but it remains a key instrument in bolstering housing security for socially vulnerable residents.