lånerente

Lånerente, or loan interest rate, is the percentage cost charged by a lender for borrowing money. It applies to loans such as mortgages, consumer loans, and business credit. The rate is typically expressed as an annual percentage rate (APR) and can be fixed for a period or change over time (variable rate).

How it is determined: Banks set lånerente based on a base reference rate—often a central bank policy rate or an interbank rate—plus a margin that compensates for credit risk, term length, and operating costs. The margin varies by borrower, product, and market competition. For example, a mortgage may have a fixed rate for several years or a variable rate that tracks changes in the reference rate with a margin. The resulting lånerente reflects both the lender’s costs and the perceived risk of the loan.

Relation to other rates: Lånerente is distinct from innskuddsrente (deposit rate) paid on customer deposits, and from the central bank’s policy rate. Consumers compare loan offers by looking at the stated rate, the APR, and the total cost of the loan over its term, not just the nominal rate.

Notes: The exact level of lånerente depends on country, regulation, and current economic conditions. In many jurisdictions, lenders are required to disclose the APR and the components of the rate to aid consumer comparison.