Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige
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Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente…
Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige
Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.
– Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank i en pressemelding.
De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.
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Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente…
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Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige
Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.
– Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank i en pressemelding.
De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.
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<title data-rh="true">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</title>
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</div><div class="hyperion-css-c9g7d0" id="main" role="main"><div class="hyperion-css-roozon"></div><div class="hyperion-css-yck6b5"><div class="page-layout-supertop hyperion-css-1499hb2"><div class="advertory-aftenposten-topboard-wrapper"><div class="advertory-aftenposten-topboard" id="paywall_ad_topboard" style="min-height:150px"></div></div></div><div class="hyperion-css-dz5hzo"><article class="article-wrapper-Ok3g3w"><div class="default running-head extendedContent hyperion-css-1snqkhu" data-test-tag="running-head"><div class="hyperion-css-7enjca"><a aria-label="Økonomi" class="hyperion-css-1raymq9" data-test-tag="internal-link" href="/okonomi" rel="" target="">Økonomi</a></div><div class="hyperion-css-semo9s"><a aria-label="Bank" class="hyperion-css-1raymq9" data-test-tag="internal-link" href="/tag/bank" rel="" target="">Bank</a></div></div><h1 class="extendedContent h1 hyperion-css-1bmyg1c" data-test-tag="headline">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</h1><p class="extendedContent hyperion-css-eyn926" data-test-tag="lead-text">Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.</p><div class="paywall hyperion-css-1ej05iu"><div class="hyperion-css-qwp0ac" data-test-tag="byline" data-testid="byline"><ul class="hyperion-css-1772xtw" data-test-tag="byline:authors" data-testid="byline:authors"><li class="hyperion-css-b8p8ys"><div class="hyperion-css-b8p8ys"><div class="hyperion-css-0"><span class="byline-name hyperion-css-1cn5stf" data-test-tag="byline:author-name" data-testid="byline:author-name">NTB</span></div></div></li></ul></div></div><div class="paywall hyperion-css-okzep" data-test-tag="timestamp"><div><time aria-label="Publisert: 27.01.2026 12:56" datetime="2026-01-27T11:56:31Z" itemprop="datePublished">Publisert: 27.01.2026 12:56</time></div></div><p class="paywall hyperion-css-1j42uic"> – Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank i en pressemelding.</p><p class="paywall hyperion-css-1j42uic">De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.</p><div class="hyperion-css-1ykv2lv"><div class="hyperion-css-l9jsj3"><p class="hyperion-css-1qm9e9t">Du har nå lest dine gratis artikler denne uken. Bli abonnent for å lese videre.</p><button class="hyperion-css-1xvjrme" type="button">Allerede abonnent? Logg inn</button></div></div></article><div class="advertory-brandmetrics-survey" id="brandmetrics-survey"></div><div class="extendedContent paywall hyperion-css-177q39v" id="widget-recirculation-matrix-most-sold"><h2 class="hyperion-css-r57xc5" data-test-tag="widget:title">Les også</h2><div class="bundle extendedContent hyperion-css-cbecqi"><ol class="hyperion-css-1700tdj"><li class="hyperion-css-1lcs599"><a aria-label="Hvorfor blir så mange gravide sykmeldte? Fastlegen ser noen tydelige mønstre." class="imagePosition-top medium feature-teaser hyperion-css-bvr9ut" data-test-tag="teaser-medium:link-internal" href="/sprek/i/xrPEaR/hvorfor-blir-saa-mange-gravide-sykmeldt" rel="" target=""><div class="hyperion-css-bjn8wh"><div class="hyperion-css-1k8sl4j"><img alt="" class="image-asset hyperion-css-1qus8ib" data-test-tag="image-asset" fetchpriority="auto" loading="lazy" sizes="(min-width: 981px) 980px, 100vw" src="https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=1536&w=2048&s=05e826d6cc77d71fc0730d1df1decf8965d1da59" srcset="https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=1536&w=2048&s=05e826d6cc77d71fc0730d1df1decf8965d1da59 2048w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=1080&w=1440&s=774802f1b4b8b510f4e5644ae940864d8a8e4892 1440w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=768&w=1024&s=2f8a0d84a279cc313eb3320574decbd9ff7c5e40 1024w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=735&w=980&s=a09a1b08d3809fad1f27cfe35aea6a096e3c5d22 980w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=585&w=780&s=27dbe922c6bed2e8778641b918026427cd62f4f3 780w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=435&w=580&s=c4a4a00142d1d4b6f49ad68344a00fe230b4cc19 580w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=285&w=380&s=a09c450732272dc48f5d5eaedd5071d018ed8228 380w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=150&w=200&s=455363246d4034e9d4c6d01d2d2ff9f694bc7220 200w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=75&w=100&s=c069d01d48444238317254c1a5102c39c917e13e 100w" style="aspect-ratio:2048 / 1536"></div></div><div class="hyperion-css-1hlrz9z"><div class="teaser-label hyperion-css-52yh2p">SPREK<div class="timestamp friendly hyperion-css-10eh1jy" data-test-tag="timestamp"><span class="hyperion-css-ea91rp">Publisert:</span><div><time aria-label="2026-01-24T18:48:59Z" datetime="2026-01-24T18:48:59Z" itemprop="datePublished" pubdate="pubdate">24. januar</time></div></div></div><div class="default hyperion-css-1ucd1we"><h2 class="hyperion-css-1hyuqep">Hvorfor blir så mange gravide sykmeldte? Fastlegen ser noen tydelige mønstre.</h2></div></div></a></li><li class="hyperion-css-1lcs599"><a aria-label="Thomas Giertsen diktet opp en middelklassepreget oppvekst: – Jeg sa at jeg pleide å dra på campingferie med familien" class="imagePosition-top medium magazine-teaser hyperion-css-bvr9ut" data-test-tag="teaser-medium:link-internal" href="/amagasinet/i/0pKPGg/thomas-giertsen-om-helt-perfekt-og-det-ekte-livet" rel="" target=""><div class="hyperion-css-bjn8wh"><div class="hyperion-css-1k8sl4j"><img alt="" class="image-asset hyperion-css-h48z7z" data-test-tag="image-asset" fetchpriority="auto" loading="lazy" sizes="(min-width: 981px) 980px, 100vw" src="https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=1536&w=2048&s=e855760a32ded53df058eec3ad9557ba6544563e" srcset="https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=1536&w=2048&s=e855760a32ded53df058eec3ad9557ba6544563e 2048w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=1080&w=1440&s=b05582e5786bd1ae687124d0e5b9212ce093f486 1440w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=768&w=1024&s=33da76999995344c5166df60a2d04f18b0e2a54d 1024w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=735&w=980&s=5ffde18259e1f066d06ec26dbad1a83b9c8964bf 980w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=585&w=780&s=fb3bc9648552e166fb576e488bf34b5e13e44a96 780w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=435&w=580&s=4540cf30fccb1de8f2805ac39a070904ff0d4304 580w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=285&w=380&s=70d2590f3293fdca4e1f5a1bde2859381cf2bbe3 380w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=150&w=200&s=3793abd412be71c13d081d1c996396dfebd01adb 200w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=75&w=100&s=cbc3514ec29785b1227e54be3fa61b905a700bf0 100w" style="aspect-ratio:2048 / 1536"></div></div><div class="hyperion-css-1hlrz9z"><div class="teaser-label hyperion-css-52yh2p">A-MAGASINET<div class="timestamp friendly hyperion-css-10eh1jy" data-test-tag="timestamp"><span class="hyperion-css-ea91rp">Publisert:</span><div><time aria-label="2026-01-24T18:39:35Z" datetime="2026-01-24T18:39:35Z" itemprop="datePublished" pubdate="pubdate">24. januar</time></div></div></div><div class="default hyperion-css-1ucd1we"><h2 class="hyperion-css-1hyuqep">Thomas Giertsen diktet opp en middelklassepreget oppvekst: – Jeg sa at jeg pleide å dra på campingferie med familien</h2></div></div></a></li></ol></div></div><div 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"content" : "# Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige\n\nFinansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\n\n– Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank i en pressemelding.\n\nDe mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.",
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rente – og konkluderer med at vilkårene er i strid med loven.\" data-rh=\"true\" property=\"og:description\"><meta content=\"Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\" data-rh=\"true\" property=\"twitter:description\">\n <link data-rh=\"true\" href=\"https://www.aftenposten.no/okonomi/i/Ok3g3w/finansklagenemnda-mener-bankenes-vilkaar-for-renteendringer-er-ulovlige\" rel=\"canonical\">\n \n \n <link data-chunk=\"main\" href=\"/cnp-assets/styles.9eba6c2f.css\" rel=\"stylesheet\">\n<link href=\"https://www.aftenposten.no/service/core-header/public/ap/menu-ca592e96ea.css\" media=\"none\" onload=\"if(media!='all')media='all'\" rel=\"stylesheet\">\n<noscript>\n <link href=\"https://www.aftenposten.no/service/core-header/public/ap/menu-ca592e96ea.css\" rel=\"stylesheet\">\n</noscript>\n\n \n \n \n </head>\n \n \n <body class=\"noXScroll default\">\n \n \n <div 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style=\"min-height:150px\"></div></div></div><div class=\"hyperion-css-dz5hzo\"><article class=\"article-wrapper-Ok3g3w\"><div class=\"default running-head extendedContent hyperion-css-1snqkhu\" data-test-tag=\"running-head\"><div class=\"hyperion-css-7enjca\"><a aria-label=\"Økonomi\" class=\"hyperion-css-1raymq9\" data-test-tag=\"internal-link\" href=\"/okonomi\" rel=\"\" target=\"\">Økonomi</a></div><div class=\"hyperion-css-semo9s\"><a aria-label=\"Bank\" class=\"hyperion-css-1raymq9\" data-test-tag=\"internal-link\" href=\"/tag/bank\" rel=\"\" target=\"\">Bank</a></div></div><h1 class=\"extendedContent h1 hyperion-css-1bmyg1c\" data-test-tag=\"headline\">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</h1><p class=\"extendedContent hyperion-css-eyn926\" data-test-tag=\"lead-text\">Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.</p><div class=\"paywall hyperion-css-1ej05iu\"><div class=\"hyperion-css-qwp0ac\" data-test-tag=\"byline\" data-testid=\"byline\"><ul class=\"hyperion-css-1772xtw\" data-test-tag=\"byline:authors\" data-testid=\"byline:authors\"><li class=\"hyperion-css-b8p8ys\"><div class=\"hyperion-css-b8p8ys\"><div class=\"hyperion-css-0\"><span class=\"byline-name hyperion-css-1cn5stf\" data-test-tag=\"byline:author-name\" data-testid=\"byline:author-name\">NTB</span></div></div></li></ul></div></div><div class=\"paywall hyperion-css-okzep\" data-test-tag=\"timestamp\"><div><time aria-label=\"Publisert: 27.01.2026 12:56\" datetime=\"2026-01-27T11:56:31Z\" itemprop=\"datePublished\">Publisert: 27.01.2026 12:56</time></div></div><p class=\"paywall hyperion-css-1j42uic\"> – Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank i en pressemelding.</p><p class=\"paywall hyperion-css-1j42uic\">De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.</p><div class=\"hyperion-css-1ykv2lv\"><div class=\"hyperion-css-l9jsj3\"><p class=\"hyperion-css-1qm9e9t\">Du har nå lest dine gratis artikler denne uken. Bli abonnent for å lese videre.</p><button class=\"hyperion-css-1xvjrme\" type=\"button\">Allerede abonnent? Logg inn</button></div></div></article><div class=\"advertory-brandmetrics-survey\" id=\"brandmetrics-survey\"></div><div class=\"extendedContent paywall hyperion-css-177q39v\" id=\"widget-recirculation-matrix-most-sold\"><h2 class=\"hyperion-css-r57xc5\" data-test-tag=\"widget:title\">Les også</h2><div class=\"bundle extendedContent hyperion-css-cbecqi\"><ol class=\"hyperion-css-1700tdj\"><li class=\"hyperion-css-1lcs599\"><a aria-label=\"Hvorfor blir så mange gravide sykmeldte? Fastlegen ser noen tydelige mønstre.\" class=\"imagePosition-top medium feature-teaser hyperion-css-bvr9ut\" data-test-tag=\"teaser-medium:link-internal\" href=\"/sprek/i/xrPEaR/hvorfor-blir-saa-mange-gravide-sykmeldt\" rel=\"\" target=\"\"><div class=\"hyperion-css-bjn8wh\"><div class=\"hyperion-css-1k8sl4j\"><img alt=\"\" class=\"image-asset hyperion-css-1qus8ib\" data-test-tag=\"image-asset\" fetchpriority=\"auto\" loading=\"lazy\" sizes=\"(min-width: 981px) 980px, 100vw\" src=\"https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=1536&w=2048&s=05e826d6cc77d71fc0730d1df1decf8965d1da59\" srcset=\"https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=1536&w=2048&s=05e826d6cc77d71fc0730d1df1decf8965d1da59 2048w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=1080&w=1440&s=774802f1b4b8b510f4e5644ae940864d8a8e4892 1440w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=768&w=1024&s=2f8a0d84a279cc313eb3320574decbd9ff7c5e40 1024w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=735&w=980&s=a09a1b08d3809fad1f27cfe35aea6a096e3c5d22 980w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=585&w=780&s=27dbe922c6bed2e8778641b918026427cd62f4f3 780w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=435&w=580&s=c4a4a00142d1d4b6f49ad68344a00fe230b4cc19 580w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=285&w=380&s=a09c450732272dc48f5d5eaedd5071d018ed8228 380w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=150&w=200&s=455363246d4034e9d4c6d01d2d2ff9f694bc7220 200w,https://premium.vgc.no/v2/images/c53a108f-da41-4d38-82a1-5b2dbc06cbef?fit=crop&format=auto&h=75&w=100&s=c069d01d48444238317254c1a5102c39c917e13e 100w\" style=\"aspect-ratio:2048 / 1536\"></div></div><div class=\"hyperion-css-1hlrz9z\"><div class=\"teaser-label hyperion-css-52yh2p\">SPREK<div class=\"timestamp friendly hyperion-css-10eh1jy\" data-test-tag=\"timestamp\"><span class=\"hyperion-css-ea91rp\">Publisert:</span><div><time aria-label=\"2026-01-24T18:48:59Z\" datetime=\"2026-01-24T18:48:59Z\" itemprop=\"datePublished\" pubdate=\"pubdate\">24. januar</time></div></div></div><div class=\"default hyperion-css-1ucd1we\"><h2 class=\"hyperion-css-1hyuqep\">Hvorfor blir så mange gravide sykmeldte? Fastlegen ser noen tydelige mønstre.</h2></div></div></a></li><li class=\"hyperion-css-1lcs599\"><a aria-label=\"Thomas Giertsen diktet opp en middelklassepreget oppvekst: – Jeg sa at jeg pleide å dra på campingferie med familien\" class=\"imagePosition-top medium magazine-teaser hyperion-css-bvr9ut\" data-test-tag=\"teaser-medium:link-internal\" href=\"/amagasinet/i/0pKPGg/thomas-giertsen-om-helt-perfekt-og-det-ekte-livet\" rel=\"\" target=\"\"><div class=\"hyperion-css-bjn8wh\"><div class=\"hyperion-css-1k8sl4j\"><img alt=\"\" class=\"image-asset hyperion-css-h48z7z\" data-test-tag=\"image-asset\" fetchpriority=\"auto\" loading=\"lazy\" sizes=\"(min-width: 981px) 980px, 100vw\" src=\"https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=1536&w=2048&s=e855760a32ded53df058eec3ad9557ba6544563e\" srcset=\"https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=1536&w=2048&s=e855760a32ded53df058eec3ad9557ba6544563e 2048w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=1080&w=1440&s=b05582e5786bd1ae687124d0e5b9212ce093f486 1440w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=768&w=1024&s=33da76999995344c5166df60a2d04f18b0e2a54d 1024w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=735&w=980&s=5ffde18259e1f066d06ec26dbad1a83b9c8964bf 980w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=585&w=780&s=fb3bc9648552e166fb576e488bf34b5e13e44a96 780w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=435&w=580&s=4540cf30fccb1de8f2805ac39a070904ff0d4304 580w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=285&w=380&s=70d2590f3293fdca4e1f5a1bde2859381cf2bbe3 380w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=150&w=200&s=3793abd412be71c13d081d1c996396dfebd01adb 200w,https://premium.vgc.no/v2/images/58ba68e8-8cde-4293-a328-aebeddf78cac?fit=crop&format=auto&h=75&w=100&s=cbc3514ec29785b1227e54be3fa61b905a700bf0 100w\" style=\"aspect-ratio:2048 / 1536\"></div></div><div class=\"hyperion-css-1hlrz9z\"><div class=\"teaser-label hyperion-css-52yh2p\">A-MAGASINET<div class=\"timestamp friendly hyperion-css-10eh1jy\" data-test-tag=\"timestamp\"><span class=\"hyperion-css-ea91rp\">Publisert:</span><div><time aria-label=\"2026-01-24T18:39:35Z\" datetime=\"2026-01-24T18:39:35Z\" itemprop=\"datePublished\" pubdate=\"pubdate\">24. januar</time></div></div></div><div class=\"default hyperion-css-1ucd1we\"><h2 class=\"hyperion-css-1hyuqep\">Thomas Giertsen 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"summary" : "Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente…",
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Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente…
📄 Full Content (1508 chars)
Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige
Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.
– Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank i en pressemelding.
De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.
I begge sakene fikk klagerne medhold i at vilkårene for å endre flytende rente er urimelige.
– Nemnda tok imidlertid ikke stilling til hvilke konsekvenser dette får for de konkrete låneforholdene, som for eksempel spørsmål om tilbakebetaling av renter eller hvilken rente som skal gjelde videre, heter det videre.
Handelsbanken sier til E24 at de ikke vil gjøre endringer.
– Låneavtalene våre følger klart norsk lov, og vi mener i likhet med nemndas mindretall at avtalene ikke er urimelige. Vi vil ikke følge den rådgivende uttalelsen fra nemnda, og den medfører ingen endringer for kundene våre, skriver Kristian Vilming Ralger, direktør for kommunikasjon og bærekraft i Handelsbanken, til E24.
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"content" : "# Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige\n\nFinansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\n\n– Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank [i en pressemelding.](https://www.finkn.no/nyheter/kan-bankene-endre-boliglansrenten-slik-de-gjor-i-dag)\n\nDe mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.\n\nI begge sakene fikk klagerne medhold i at vilkårene for å endre flytende rente er urimelige.\n\n– Nemnda tok imidlertid ikke stilling til hvilke konsekvenser dette får for de konkrete låneforholdene, som for eksempel spørsmål om tilbakebetaling av renter eller hvilken rente som skal gjelde videre, heter det videre.\n\nHandelsbanken sier til [E24 ](https://e24.no/norsk-oekonomi/i/m0103L/mener-bankenes-renteheving-er-i-strid-med-loven) at de ikke vil gjøre endringer.\n\n– Låneavtalene våre følger klart norsk lov, og vi mener i likhet med nemndas mindretall at avtalene ikke er urimelige. Vi vil ikke følge den rådgivende uttalelsen fra nemnda, og den medfører ingen endringer for kundene våre, skriver Kristian Vilming Ralger, direktør for kommunikasjon og bærekraft i Handelsbanken, til E24.",
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<title data-rh="true">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</title>
<meta content="noarchive" data-rh="true" name="robots"><meta content="max-image-preview:none" data-rh="true" name="robots"><meta content="Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven." data-rh="true" name="description"><meta content="article" data-rh="true" property="og:type"><meta content="https://www.aftenposten.no/okonomi/i/Ok3g3w/finansklagenemnda-mener-bankenes-vilkaar-for-renteendringer-er-ulovlige" data-rh="true" property="og:url"><meta content="Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige" data-rh="true" property="og:title"><meta content="Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige" data-rh="true" property="twitter:title"><meta content="1817373088487050" data-rh="true" property="fb:app_id"><meta content="https://images.stream.schibsted.media/users/ap_/images/ppayu7jwMzlZ.jpg?t%5B%5D=2048q80" data-rh="true" property="og:image"><meta content="2048" data-rh="true" property="og:image:width"><meta content="2048" data-rh="true" property="og:image:height"><meta content="https://images.stream.schibsted.media/users/ap_/images/ppayu7jwMzlZ.jpg?t%5B%5D=2048q80" data-rh="true" property="twitter:image"><meta content="summary_large_image" data-rh="true" property="twitter:card"><meta content="2026-01-27T11:56:31Z" data-rh="true" property="article:published_time"><meta content="2026-01-27T11:55:31Z" data-rh="true" property="article:modified_time"><meta content="Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven." data-rh="true" property="og:description"><meta content="Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven." data-rh="true" property="twitter:description">
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</div><div class="hyperion-css-c9g7d0" id="main" role="main"><div class="hyperion-css-roozon"><div class="advertory-aftenposten-skyscraperleft_1-wrapper"><div class="advertory-aftenposten-skyscraperleft_1" id="skyscraperleft_1"></div></div></div><div class="hyperion-css-yck6b5"><div class="page-layout-supertop hyperion-css-1499hb2"><div class="advertory-aftenposten-topboard-wrapper"><div class="advertory-aftenposten-topboard" id="topboard" style="min-height:150px"></div></div><div class="advertory-wrapper-common-wallpaper wallpaper"><div class="advertory-common-wallpaper disable-cogwheel" id="wallpaper"></div></div></div><div class="hyperion-css-dz5hzo"><article class="article-wrapper-Ok3g3w"><div class="default running-head extendedContent hyperion-css-1snqkhu" data-test-tag="running-head"><div class="hyperion-css-7enjca"><a aria-label="Økonomi" class="hyperion-css-1raymq9" data-test-tag="internal-link" href="/okonomi" rel="" target="">Økonomi</a></div><div class="hyperion-css-semo9s"><a aria-label="Bank" class="hyperion-css-1raymq9" data-test-tag="internal-link" href="/tag/bank" rel="" target="">Bank</a></div></div><h1 class="extendedContent h1 hyperion-css-1bmyg1c" data-test-tag="headline">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</h1><p class="extendedContent hyperion-css-eyn926" data-test-tag="lead-text">Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.</p><div class="hyperion-css-ytalhi"><div class="hyperion-css-upuxee"><div class="contentWidth paywall hyperion-css-eemj7d"><div class="hyperion-css-152x5og"><div class="hyperion-css-1xdhyk6"></div></div></div></div><div class="hyperion-css-6kzd76"></div></div><div class="paywall hyperion-css-1ej05iu"><div class="hyperion-css-qwp0ac" data-test-tag="byline" data-testid="byline"><ul class="hyperion-css-1772xtw" data-test-tag="byline:authors" data-testid="byline:authors"><li class="hyperion-css-b8p8ys"><div class="hyperion-css-b8p8ys"><div class="hyperion-css-0"><span class="byline-name hyperion-css-1cn5stf" data-test-tag="byline:author-name" data-testid="byline:author-name">NTB</span></div></div></li></ul></div></div><div class="paywall hyperion-css-okzep" data-test-tag="timestamp"><div><time aria-label="Publisert: 27.01.2026 12:56" datetime="2026-01-27T11:56:31Z" itemprop="datePublished">Publisert: 27.01.2026 12:56</time></div></div><p class="paywall hyperion-css-1j42uic"> – Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank <a aria-label="i en pressemelding." class="default hyperion-css-1raymq9" data-test-tag="external-link" href="https://www.finkn.no/nyheter/kan-bankene-endre-boliglansrenten-slik-de-gjor-i-dag" rel="noopener nofollow noreferrer" target="_blank">i en pressemelding.</a></p><p class="paywall hyperion-css-1j42uic">De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.</p><div class="advertory-aftenposten-netboard-wrapper__article "><div class="advertory-aftenposten-netboard__article" id="netboard_1"></div></div><p class="paywall hyperion-css-1j42uic">I begge sakene fikk klagerne medhold i at vilkårene for å endre flytende rente er urimelige.</p><p class="paywall hyperion-css-1j42uic">– Nemnda tok imidlertid ikke stilling til hvilke konsekvenser dette får for de konkrete låneforholdene, som for eksempel spørsmål om tilbakebetaling av renter eller hvilken rente som skal gjelde videre, heter det videre.</p><p class="paywall hyperion-css-1j42uic"> Handelsbanken sier til <a aria-label="E24 " class="default hyperion-css-1raymq9" data-test-tag="external-link" href="https://e24.no/norsk-oekonomi/i/m0103L/mener-bankenes-renteheving-er-i-strid-med-loven" rel="noopener nofollow noreferrer" target="_blank">E24 </a> at de ikke vil gjøre endringer.</p><p class="paywall hyperion-css-1j42uic">– Låneavtalene våre følger klart norsk lov, og vi mener i likhet med nemndas mindretall at avtalene ikke er urimelige. Vi vil ikke følge den rådgivende uttalelsen fra nemnda, og den medfører ingen endringer for kundene våre, skriver Kristian Vilming Ralger, direktør for kommunikasjon og bærekraft i Handelsbanken, til E24.</p></article><div class="advertory-brandmetrics-survey" id="brandmetrics-survey"></div><div class="hyperion-css-1yxx8oe"><div class="hyperion-css-1jbnpry"><button aria-label="Kopier URL til utklippstavle" class="hyperion-css-pdsgro" title="Kopier URL til utklippstavle" type="button">Kopier lenke</button><a aria-label="Tips oss" class="hyperion-css-1f62hkp" data-test-tag="internal-link" href="/tips" rel="" target="">Tips oss</a></div></div><div class="extendedContent paywall hyperion-css-177q39v" id="widget-recirculation-matrix"><h2 class="hyperion-css-r57xc5" data-test-tag="widget:title">Les videre</h2><div class="bundle extendedContent hyperion-css-cbecqi"><ol class="hyperion-css-1700tdj"><li class="hyperion-css-1lcs599"><a aria-label="Sjeføkonom ber om kraftig rentekutt: - Vi står foran en konkursbølge" class="imagePosition-top medium news-teaser hyperion-css-bvr9ut" data-test-tag="teaser-medium:link-internal" href="/e24/i/8pwM1d" rel="" target=""><div class="hyperion-css-bjn8wh"><div class="hyperion-css-1k8sl4j"><img alt="" class="image-asset hyperion-css-jil7f" data-test-tag="image-asset" fetchpriority="auto" loading="lazy" sizes="(min-width: 981px) 980px, 100vw" src="https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=1536&w=2048&s=f77c049d9c2f16a796268d3dbeec1afdeacedfc7" srcset="https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=1536&w=2048&s=f77c049d9c2f16a796268d3dbeec1afdeacedfc7 2048w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=1080&w=1440&s=ff1086a11dcab8f7cac03c7e973409ba3fddd3b8 1440w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=768&w=1024&s=684a98471c563c83d6481c3134c65b19feef15d0 1024w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=735&w=980&s=8b646f42136010a6b2bf198f0cab0c22f4ba4e3a 980w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=585&w=780&s=b8bccdb5d5662628dae778dbddabe7f40790d7a0 780w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=435&w=580&s=bd68f1b6938d4ad431ce315e342dfe3a0a66db06 580w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=285&w=380&s=c9edc9b8e6edc5e42dcf573b1dfc028812794e89 380w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=150&w=200&s=0c568a336a601b65ad544ff500830c5227fcfde0 200w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=75&w=100&s=dc4debe2078dd864f45bf254e668b93357f6d2c9 100w" style="aspect-ratio:2048 / 1536"></div></div><div class="hyperion-css-1hlrz9z"><div class="teaser-label hyperion-css-52yh2p">ØKONOMI<div class="timestamp friendly hyperion-css-10eh1jy" data-test-tag="timestamp"><span class="hyperion-css-ea91rp">Publisert:</span><div><time aria-label="2025-12-17T18:58:48Z" datetime="2025-12-17T18:58:48Z" itemprop="datePublished" pubdate="pubdate">17. desember 2025</time></div></div></div><div class="default hyperion-css-1ucd1we"><h2 class="hyperion-css-1hyuqep">Sjeføkonom ber om kraftig rentekutt: - Vi står foran en konkursbølge</h2></div></div></a></li><li class="hyperion-css-1lcs599"><a aria-label="Rentebølge denne uken: – Vil være forsiktige" class="imagePosition-top medium news-teaser hyperion-css-bvr9ut" data-test-tag="teaser-medium:link-internal" href="/e24/i/RjxEgA" rel="" target=""><div class="hyperion-css-bjn8wh"><div class="hyperion-css-1k8sl4j"><img alt="" class="image-asset hyperion-css-n6kkq1" data-test-tag="image-asset" fetchpriority="auto" loading="lazy" sizes="(min-width: 981px) 980px, 100vw" src="https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=1536&w=2048&s=b27bac4bbb9af21e5fc181d6318a7cc6753d197b" srcset="https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=1536&w=2048&s=b27bac4bbb9af21e5fc181d6318a7cc6753d197b 2048w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=1080&w=1440&s=f3a6e8297d5f9f555b1474951690885185260c72 1440w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=768&w=1024&s=6db6da992ff795344fa8587e9b57261e9e9d1217 1024w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=735&w=980&s=efba491e5cdf48a9d3e046e4b24cc37eed40f2a1 980w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=585&w=780&s=c9476db7aa49cc1ea9a851f020d70f6402949339 780w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=435&w=580&s=cf1d8cf30aa4c504983d13be81b362ba60ced5ec 580w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=285&w=380&s=7c9e95d690cd5cdf4b42f8805dd3b98d2abe4e05 380w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=150&w=200&s=cfe3d5a31b29dd5760447da58d75c0cce71c7f12 200w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=75&w=100&s=8c8450fa964f4b419acaed4516edf3e873c81d6e 100w" style="aspect-ratio:2048 / 1536"></div></div><div class="hyperion-css-1hlrz9z"><div class="teaser-label hyperion-css-52yh2p">ØKONOMI<div class="timestamp friendly hyperion-css-10eh1jy" data-test-tag="timestamp"><span class="hyperion-css-ea91rp">Publisert:</span><div><time aria-label="2025-12-14T16:52:32Z" datetime="2025-12-14T16:52:32Z" itemprop="datePublished" pubdate="pubdate">14. desember 2025</time></div></div></div><div class="default hyperion-css-1ucd1we"><h2 class="hyperion-css-1hyuqep">Rentebølge denne uken: – Vil være forsiktige</h2></div></div></a></li><li class="hyperion-css-1lcs599"><div class="advertory-aftenposten-netboard-wrapper "><div class="advertory-aftenposten-netboard" id="netboard_recirc"></div></div></li><li class="hyperion-css-1lcs599"><a aria-label="Ingen rentenedgang: – Relativt positivt for dem med boliglån" class="imagePosition-top medium news-teaser hyperion-css-bvr9ut" data-test-tag="teaser-medium:link-internal" href="/e24/i/5pVABW" rel="" target=""><div class="hyperion-css-bjn8wh"><div class="hyperion-css-1k8sl4j"><img alt="" class="image-asset hyperion-css-1ya6bw7" data-test-tag="image-asset" fetchpriority="auto" loading="lazy" sizes="(min-width: 981px) 980px, 100vw" src="https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=1536&w=2048&s=587a0cc144f1699eaaab38fc59b784f46419b72a" srcset="https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=1536&w=2048&s=587a0cc144f1699eaaab38fc59b784f46419b72a 2048w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=1080&w=1440&s=6557332bfb22df4f7a41ab929d412daa7fcf6092 1440w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=768&w=1024&s=aeacd5129a6a860a4d54f7729671b8d55efffe62 1024w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=735&w=980&s=8f31314a8436e9d93e081cfd685b5ebccd6214a3 980w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=585&w=780&s=ae5f4fcc75911d88ecb650651064bf75bc97acf7 780w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=435&w=580&s=86bc02e9cb3f1fc3418bd0ae91209f00b10774e7 580w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=285&w=380&s=88ff416f76bba1e7055c98bdb27010f01d89431e 380w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=150&w=200&s=367d846b516dd9846a5e66341ef631884ea8ce8d 200w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=75&w=100&s=c098b15f765c76156bd89dbc14576de2dca04685 100w" style="aspect-ratio:2048 / 1536"></div></div><div class="hyperion-css-1hlrz9z"><div class="teaser-label hyperion-css-52yh2p">ØKONOMI<div class="timestamp friendly hyperion-css-10eh1jy" data-test-tag="timestamp"><span class="hyperion-css-ea91rp">Publisert:</span><div><time aria-label="2025-12-18T09:20:52Z" datetime="2025-12-18T09:20:52Z" itemprop="datePublished" pubdate="pubdate">18. desember 2025</time></div></div></div><div class="default hyperion-css-1ucd1we"><h2 class="hyperion-css-1hyuqep">Ingen rentenedgang: – Relativt positivt for dem med boliglån</h2></div></div></a></li></ol></div></div><div class="extendedContent paywall hyperion-css-1wv24dq" id="widget-inline-list"><div class="bundle hyperion-css-6nuwex"><ol class="hyperion-css-19mvxvm"><li class="hyperion-css-1og0r8"><a aria-label="Bank" class="hyperion-css-vpoaev" data-test-tag="internal-link" href="/tag/bank" rel="" target=""><span class="hyperion-css-0">Bank</span></a></li><li class="hyperion-css-1og0r8"><a aria-label="Finansklagenemda" class="hyperion-css-vpoaev" data-test-tag="internal-link" href="/tag/finansklagenemda" rel="" target=""><span class="hyperion-css-0">Finansklagenemda</span></a></li></ol></div></div><div class="advertory-aftenposten-netboard-wrapper__article "><div class="advertory-aftenposten-netboard__article" id="netboard_5"></div></div><div 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"content" : "# Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige\n\nFinansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\n\n– Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank [i en pressemelding.](https://www.finkn.no/nyheter/kan-bankene-endre-boliglansrenten-slik-de-gjor-i-dag)\n\nDe mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.\n\nI begge sakene fikk klagerne medhold i at vilkårene for å endre flytende rente er urimelige.\n\n– Nemnda tok imidlertid ikke stilling til hvilke konsekvenser dette får for de konkrete låneforholdene, som for eksempel spørsmål om tilbakebetaling av renter eller hvilken rente som skal gjelde videre, heter det videre.\n\nHandelsbanken sier til [E24 ](https://e24.no/norsk-oekonomi/i/m0103L/mener-bankenes-renteheving-er-i-strid-med-loven) at de ikke vil gjøre endringer.\n\n– Låneavtalene våre følger klart norsk lov, og vi mener i likhet med nemndas mindretall at avtalene ikke er urimelige. Vi vil ikke følge den rådgivende uttalelsen fra nemnda, og den medfører ingen endringer for kundene våre, skriver Kristian Vilming Ralger, direktør for kommunikasjon og bærekraft i Handelsbanken, til E24.",
"created_at" : "2026-01-27 12:13:33",
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"metadata" : "{\"content\":\"# Finansklagenemnda mener bankenes vilkÃ¥r for renteendringer er ulovlige\\n\\nFinansklagenemda Bank har behandlet to klagesaker om bankenes adgang til Ã¥ endre renten pÃ¥ boliglÃ¥n med flytende rente â og konkluderer med at vilkÃ¥rene er i strid med loven.\\n\\nâ Nemnda la til grunn at vilkÃ¥rene er sÃ¥ brede og uklart formulert at en vanlig forbruker verken kan forstÃ¥ nÃ¥r banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank [i en pressemelding.](https://www.finkn.no/nyheter/kan-bankene-endre-boliglansrenten-slik-de-gjor-i-dag)\\n\\nDe mener derfor ikke at vilkÃ¥rene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.\\n\\nI begge sakene fikk klagerne medhold i at vilkÃ¥rene for Ã¥ endre flytende rente er urimelige.\\n\\nâ Nemnda tok imidlertid ikke stilling til hvilke konsekvenser dette fÃ¥r for de konkrete lÃ¥neforholdene, som for eksempel spørsmÃ¥l om tilbakebetaling av renter eller hvilken rente som skal gjelde videre, heter det videre.\\n\\nHandelsbanken sier til [E24 ](https://e24.no/norsk-oekonomi/i/m0103L/mener-bankenes-renteheving-er-i-strid-med-loven) at de ikke vil gjøre endringer.\\n\\nâ LÃ¥neavtalene vÃ¥re følger klart norsk lov, og vi mener i likhet med nemndas mindretall at avtalene ikke er urimelige. Vi vil ikke følge den rÃ¥dgivende uttalelsen fra nemnda, og den medfører ingen endringer for kundene vÃ¥re, skriver Kristian Vilming Ralger, direktør for kommunikasjon og bærekraft i Handelsbanken, til E24.\",\"keywords\":[],\"published_at\":\"2026-01-27 11:56:31\",\"og\":{\"image:height\":\"2048\",\"url\":\"https://www.aftenposten.no/okonomi/i/Ok3g3w/finansklagenemnda-mener-bankenes-vilkaar-for-renteendringer-er-ulovlige\",\"image:width\":\"2048\",\"image\":\"https://images.stream.schibsted.media/users/ap_/images/ppayu7jwMzlZ.jpg?t%5B%5D=2048q80\",\"description\":\"Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til Ã¥ endre renten pÃ¥ boliglÃ¥n med flytende rente â og konkluderer med at vilkÃ¥rene er i strid med loven.\",\"title\":\"Finansklagenemnda mener bankenes vilkÃ¥r for renteendringer er ulovlige\",\"type\":\"article\"},\"image_url\":\"https://images.stream.schibsted.media/users/ap_/images/ppayu7jwMzlZ.jpg?t%5B%5D=2048q80\",\"author\":\"\",\"is_paywalled\":1,\"meta\":{\"apple-mobile-web-app-status-bar-style\":\"black-translucent\",\"application-name\":\"Aftenposten\",\"theme-color\":\"#fff\",\"apple-mobile-web-app-title\":\"Aftenposten\",\"msapplication-TileColor\":\"#fff\",\"description\":\"Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til Ã¥ endre renten pÃ¥ boliglÃ¥n med flytende rente â og konkluderer med at vilkÃ¥rene er i strid med loven.\",\"msapplication-config\":\"/cnp-assets/favicon-6c399f1f/browserconfig.xml\",\"robots\":\"max-image-preview:none\",\"mobile-web-app-capable\":\"yes\",\"viewport\":\"width=device-width, initial-scale=1.0\",\"msapplication-TileImage\":\"/cnp-assets/favicon-6c399f1f/mstile-144x144.png\",\"apple-mobile-web-app-capable\":\"yes\"},\"schema\":{\"microdata\":{\"datePublished\":\"18. desember 2025\"}},\"raw_feed_item\":\"<item>\\n <title><![CDATA[Finansklagenemnda mener bankenes vilkÃ¥r for renteendringer er ulovlige]]></title>\\n <link>https://www.aftenposten.no/okonomi/i/Ok3g3w/finansklagenemnda-mener-bankenes-vilkaar-for-renteendringer-er-ulovlige</link>\\n <guid>https://www.aftenposten.no/i/Ok3g3w</guid>\\n <pubDate>Tue, 27 Jan 2026 11:56:31 GMT</pubDate>\\n <description><![CDATA[Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til Ã¥ endre renten pÃ¥ boliglÃ¥n med flytende renteâ¦]]></description>\\n </item>\",\"title\":\"Finansklagenemnda mener bankenes vilkÃ¥r for renteendringer er ulovlige\",\"description\":\"Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til Ã¥ endre renten pÃ¥ boliglÃ¥n med flytende rente â og konkluderer med at vilkÃ¥rene er i strid med loven.\",\"twitter\":{},\"source_updated_at\":\"2026-01-27 11:55:31\"}",
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"published_at" : "2026-01-27 11:56:31",
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name=\"msapplication-TileImage\"><meta content=\"/cnp-assets/favicon-6c399f1f/browserconfig.xml\" name=\"msapplication-config\">\n \n \n \n <title data-rh=\"true\">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</title>\n <meta content=\"noarchive\" data-rh=\"true\" name=\"robots\"><meta content=\"max-image-preview:none\" data-rh=\"true\" name=\"robots\"><meta content=\"Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\" data-rh=\"true\" name=\"description\"><meta content=\"article\" data-rh=\"true\" property=\"og:type\"><meta content=\"https://www.aftenposten.no/okonomi/i/Ok3g3w/finansklagenemnda-mener-bankenes-vilkaar-for-renteendringer-er-ulovlige\" data-rh=\"true\" property=\"og:url\"><meta content=\"Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige\" data-rh=\"true\" property=\"og:title\"><meta 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renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\" data-rh=\"true\" property=\"og:description\"><meta content=\"Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.\" data-rh=\"true\" property=\"twitter:description\">\n <link data-rh=\"true\" href=\"https://www.aftenposten.no/okonomi/i/Ok3g3w/finansklagenemnda-mener-bankenes-vilkaar-for-renteendringer-er-ulovlige\" rel=\"canonical\">\n \n \n <link data-chunk=\"main\" href=\"/cnp-assets/styles.9eba6c2f.css\" rel=\"stylesheet\">\n<link href=\"https://www.aftenposten.no/service/core-header/public/ap/menu-ca592e96ea.css\" media=\"none\" onload=\"if(media!='all')media='all'\" rel=\"stylesheet\">\n<noscript>\n <link href=\"https://www.aftenposten.no/service/core-header/public/ap/menu-ca592e96ea.css\" rel=\"stylesheet\">\n</noscript>\n\n \n \n \n </head>\n \n \n <body 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class=\"page-layout-supertop hyperion-css-1499hb2\"><div class=\"advertory-aftenposten-topboard-wrapper\"><div class=\"advertory-aftenposten-topboard\" id=\"topboard\" style=\"min-height:150px\"></div></div><div class=\"advertory-wrapper-common-wallpaper wallpaper\"><div class=\"advertory-common-wallpaper disable-cogwheel\" id=\"wallpaper\"></div></div></div><div class=\"hyperion-css-dz5hzo\"><article class=\"article-wrapper-Ok3g3w\"><div class=\"default running-head extendedContent hyperion-css-1snqkhu\" data-test-tag=\"running-head\"><div class=\"hyperion-css-7enjca\"><a aria-label=\"Økonomi\" class=\"hyperion-css-1raymq9\" data-test-tag=\"internal-link\" href=\"/okonomi\" rel=\"\" target=\"\">Økonomi</a></div><div class=\"hyperion-css-semo9s\"><a aria-label=\"Bank\" class=\"hyperion-css-1raymq9\" data-test-tag=\"internal-link\" href=\"/tag/bank\" rel=\"\" target=\"\">Bank</a></div></div><h1 class=\"extendedContent h1 hyperion-css-1bmyg1c\" data-test-tag=\"headline\">Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige</h1><p class=\"extendedContent hyperion-css-eyn926\" data-test-tag=\"lead-text\">Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente – og konkluderer med at vilkårene er i strid med loven.</p><div class=\"hyperion-css-ytalhi\"><div class=\"hyperion-css-upuxee\"><div class=\"contentWidth paywall hyperion-css-eemj7d\"><div class=\"hyperion-css-152x5og\"><div class=\"hyperion-css-1xdhyk6\"></div></div></div></div><div class=\"hyperion-css-6kzd76\"></div></div><div class=\"paywall hyperion-css-1ej05iu\"><div class=\"hyperion-css-qwp0ac\" data-test-tag=\"byline\" data-testid=\"byline\"><ul class=\"hyperion-css-1772xtw\" data-test-tag=\"byline:authors\" data-testid=\"byline:authors\"><li class=\"hyperion-css-b8p8ys\"><div class=\"hyperion-css-b8p8ys\"><div class=\"hyperion-css-0\"><span class=\"byline-name hyperion-css-1cn5stf\" data-test-tag=\"byline:author-name\" data-testid=\"byline:author-name\">NTB</span></div></div></li></ul></div></div><div class=\"paywall hyperion-css-okzep\" data-test-tag=\"timestamp\"><div><time aria-label=\"Publisert: 27.01.2026 12:56\" datetime=\"2026-01-27T11:56:31Z\" itemprop=\"datePublished\">Publisert: 27.01.2026 12:56</time></div></div><p class=\"paywall hyperion-css-1j42uic\"> – Nemnda la til grunn at vilkårene er så brede og uklart formulert at en vanlig forbruker verken kan forstå når banken kan endre renten, eller kontrollere om en renteendring faktisk er saklig begrunnet, skriver Finansklagenemda Bank <a aria-label=\"i en pressemelding.\" class=\"default hyperion-css-1raymq9\" data-test-tag=\"external-link\" href=\"https://www.finkn.no/nyheter/kan-bankene-endre-boliglansrenten-slik-de-gjor-i-dag\" rel=\"noopener nofollow noreferrer\" target=\"_blank\">i en pressemelding.</a></p><p class=\"paywall hyperion-css-1j42uic\">De mener derfor ikke at vilkårene oppfyller lovens krav til klarhet, forutsigbarhet, etterprøvbarhet og balanse mellom partene.</p><div class=\"advertory-aftenposten-netboard-wrapper__article \"><div class=\"advertory-aftenposten-netboard__article\" id=\"netboard_1\"></div></div><p class=\"paywall hyperion-css-1j42uic\">I begge sakene fikk klagerne medhold i at vilkårene for å endre flytende rente er urimelige.</p><p class=\"paywall hyperion-css-1j42uic\">– Nemnda tok imidlertid ikke stilling til hvilke konsekvenser dette får for de konkrete låneforholdene, som for eksempel spørsmål om tilbakebetaling av renter eller hvilken rente som skal gjelde videre, heter det videre.</p><p class=\"paywall hyperion-css-1j42uic\"> Handelsbanken sier til <a aria-label=\"E24 \" class=\"default hyperion-css-1raymq9\" data-test-tag=\"external-link\" href=\"https://e24.no/norsk-oekonomi/i/m0103L/mener-bankenes-renteheving-er-i-strid-med-loven\" rel=\"noopener nofollow noreferrer\" target=\"_blank\">E24 </a> at de ikke vil gjøre endringer.</p><p class=\"paywall hyperion-css-1j42uic\">– Låneavtalene våre følger klart norsk lov, og vi mener i likhet med nemndas mindretall at avtalene ikke er urimelige. Vi vil ikke følge den rådgivende uttalelsen fra nemnda, og den medfører ingen endringer for kundene våre, skriver Kristian Vilming Ralger, direktør for kommunikasjon og bærekraft i Handelsbanken, til E24.</p></article><div class=\"advertory-brandmetrics-survey\" id=\"brandmetrics-survey\"></div><div class=\"hyperion-css-1yxx8oe\"><div class=\"hyperion-css-1jbnpry\"><button aria-label=\"Kopier URL til utklippstavle\" class=\"hyperion-css-pdsgro\" title=\"Kopier URL til utklippstavle\" type=\"button\">Kopier lenke</button><a aria-label=\"Tips oss\" class=\"hyperion-css-1f62hkp\" data-test-tag=\"internal-link\" href=\"/tips\" rel=\"\" target=\"\">Tips oss</a></div></div><div class=\"extendedContent paywall hyperion-css-177q39v\" id=\"widget-recirculation-matrix\"><h2 class=\"hyperion-css-r57xc5\" data-test-tag=\"widget:title\">Les videre</h2><div class=\"bundle extendedContent hyperion-css-cbecqi\"><ol class=\"hyperion-css-1700tdj\"><li class=\"hyperion-css-1lcs599\"><a aria-label=\"Sjeføkonom ber om kraftig rentekutt: - Vi står foran en konkursbølge\" class=\"imagePosition-top medium news-teaser hyperion-css-bvr9ut\" data-test-tag=\"teaser-medium:link-internal\" href=\"/e24/i/8pwM1d\" rel=\"\" target=\"\"><div class=\"hyperion-css-bjn8wh\"><div class=\"hyperion-css-1k8sl4j\"><img alt=\"\" class=\"image-asset hyperion-css-jil7f\" data-test-tag=\"image-asset\" fetchpriority=\"auto\" loading=\"lazy\" sizes=\"(min-width: 981px) 980px, 100vw\" src=\"https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=1536&w=2048&s=f77c049d9c2f16a796268d3dbeec1afdeacedfc7\" srcset=\"https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=1536&w=2048&s=f77c049d9c2f16a796268d3dbeec1afdeacedfc7 2048w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=1080&w=1440&s=ff1086a11dcab8f7cac03c7e973409ba3fddd3b8 1440w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=768&w=1024&s=684a98471c563c83d6481c3134c65b19feef15d0 1024w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=735&w=980&s=8b646f42136010a6b2bf198f0cab0c22f4ba4e3a 980w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=585&w=780&s=b8bccdb5d5662628dae778dbddabe7f40790d7a0 780w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=435&w=580&s=bd68f1b6938d4ad431ce315e342dfe3a0a66db06 580w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=285&w=380&s=c9edc9b8e6edc5e42dcf573b1dfc028812794e89 380w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=150&w=200&s=0c568a336a601b65ad544ff500830c5227fcfde0 200w,https://premium.vgc.no/v2/images/d0357471-04c5-4b91-a670-26af92088dec?fit=crop&format=auto&h=75&w=100&s=dc4debe2078dd864f45bf254e668b93357f6d2c9 100w\" style=\"aspect-ratio:2048 / 1536\"></div></div><div class=\"hyperion-css-1hlrz9z\"><div class=\"teaser-label hyperion-css-52yh2p\">ØKONOMI<div class=\"timestamp friendly hyperion-css-10eh1jy\" data-test-tag=\"timestamp\"><span class=\"hyperion-css-ea91rp\">Publisert:</span><div><time aria-label=\"2025-12-17T18:58:48Z\" datetime=\"2025-12-17T18:58:48Z\" itemprop=\"datePublished\" pubdate=\"pubdate\">17. desember 2025</time></div></div></div><div class=\"default hyperion-css-1ucd1we\"><h2 class=\"hyperion-css-1hyuqep\">Sjeføkonom ber om kraftig rentekutt: - Vi står foran en konkursbølge</h2></div></div></a></li><li class=\"hyperion-css-1lcs599\"><a aria-label=\"Rentebølge denne uken: – Vil være forsiktige\" class=\"imagePosition-top medium news-teaser hyperion-css-bvr9ut\" data-test-tag=\"teaser-medium:link-internal\" href=\"/e24/i/RjxEgA\" rel=\"\" target=\"\"><div class=\"hyperion-css-bjn8wh\"><div class=\"hyperion-css-1k8sl4j\"><img alt=\"\" class=\"image-asset hyperion-css-n6kkq1\" data-test-tag=\"image-asset\" fetchpriority=\"auto\" loading=\"lazy\" sizes=\"(min-width: 981px) 980px, 100vw\" src=\"https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=1536&w=2048&s=b27bac4bbb9af21e5fc181d6318a7cc6753d197b\" srcset=\"https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=1536&w=2048&s=b27bac4bbb9af21e5fc181d6318a7cc6753d197b 2048w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=1080&w=1440&s=f3a6e8297d5f9f555b1474951690885185260c72 1440w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=768&w=1024&s=6db6da992ff795344fa8587e9b57261e9e9d1217 1024w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=735&w=980&s=efba491e5cdf48a9d3e046e4b24cc37eed40f2a1 980w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=585&w=780&s=c9476db7aa49cc1ea9a851f020d70f6402949339 780w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=435&w=580&s=cf1d8cf30aa4c504983d13be81b362ba60ced5ec 580w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=285&w=380&s=7c9e95d690cd5cdf4b42f8805dd3b98d2abe4e05 380w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=150&w=200&s=cfe3d5a31b29dd5760447da58d75c0cce71c7f12 200w,https://premium.vgc.no/v2/images/a378faa5-2068-478c-ba99-1f92f7fe698a?fit=crop&format=auto&h=75&w=100&s=8c8450fa964f4b419acaed4516edf3e873c81d6e 100w\" style=\"aspect-ratio:2048 / 1536\"></div></div><div class=\"hyperion-css-1hlrz9z\"><div class=\"teaser-label hyperion-css-52yh2p\">ØKONOMI<div class=\"timestamp friendly hyperion-css-10eh1jy\" data-test-tag=\"timestamp\"><span class=\"hyperion-css-ea91rp\">Publisert:</span><div><time aria-label=\"2025-12-14T16:52:32Z\" datetime=\"2025-12-14T16:52:32Z\" itemprop=\"datePublished\" pubdate=\"pubdate\">14. desember 2025</time></div></div></div><div class=\"default hyperion-css-1ucd1we\"><h2 class=\"hyperion-css-1hyuqep\">Rentebølge denne uken: – Vil være forsiktige</h2></div></div></a></li><li class=\"hyperion-css-1lcs599\"><div class=\"advertory-aftenposten-netboard-wrapper \"><div class=\"advertory-aftenposten-netboard\" id=\"netboard_recirc\"></div></div></li><li class=\"hyperion-css-1lcs599\"><a aria-label=\"Ingen rentenedgang: – Relativt positivt for dem med boliglån\" class=\"imagePosition-top medium news-teaser hyperion-css-bvr9ut\" data-test-tag=\"teaser-medium:link-internal\" href=\"/e24/i/5pVABW\" rel=\"\" target=\"\"><div class=\"hyperion-css-bjn8wh\"><div class=\"hyperion-css-1k8sl4j\"><img alt=\"\" class=\"image-asset hyperion-css-1ya6bw7\" data-test-tag=\"image-asset\" fetchpriority=\"auto\" loading=\"lazy\" sizes=\"(min-width: 981px) 980px, 100vw\" src=\"https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=1536&w=2048&s=587a0cc144f1699eaaab38fc59b784f46419b72a\" srcset=\"https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=1536&w=2048&s=587a0cc144f1699eaaab38fc59b784f46419b72a 2048w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=1080&w=1440&s=6557332bfb22df4f7a41ab929d412daa7fcf6092 1440w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=768&w=1024&s=aeacd5129a6a860a4d54f7729671b8d55efffe62 1024w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=735&w=980&s=8f31314a8436e9d93e081cfd685b5ebccd6214a3 980w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=585&w=780&s=ae5f4fcc75911d88ecb650651064bf75bc97acf7 780w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=435&w=580&s=86bc02e9cb3f1fc3418bd0ae91209f00b10774e7 580w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=285&w=380&s=88ff416f76bba1e7055c98bdb27010f01d89431e 380w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=150&w=200&s=367d846b516dd9846a5e66341ef631884ea8ce8d 200w,https://premium.vgc.no/v2/images/de628b6d-df53-4af5-bf0f-2403d2d6d0dc?fit=crop&format=auto&h=75&w=100&s=c098b15f765c76156bd89dbc14576de2dca04685 100w\" style=\"aspect-ratio:2048 / 1536\"></div></div><div class=\"hyperion-css-1hlrz9z\"><div class=\"teaser-label hyperion-css-52yh2p\">ØKONOMI<div class=\"timestamp friendly hyperion-css-10eh1jy\" data-test-tag=\"timestamp\"><span class=\"hyperion-css-ea91rp\">Publisert:</span><div><time aria-label=\"2025-12-18T09:20:52Z\" datetime=\"2025-12-18T09:20:52Z\" itemprop=\"datePublished\" pubdate=\"pubdate\">18. desember 2025</time></div></div></div><div class=\"default hyperion-css-1ucd1we\"><h2 class=\"hyperion-css-1hyuqep\">Ingen rentenedgang: – Relativt positivt for dem med boliglån</h2></div></div></a></li></ol></div></div><div class=\"extendedContent paywall hyperion-css-1wv24dq\" id=\"widget-inline-list\"><div class=\"bundle hyperion-css-6nuwex\"><ol class=\"hyperion-css-19mvxvm\"><li class=\"hyperion-css-1og0r8\"><a aria-label=\"Bank\" class=\"hyperion-css-vpoaev\" data-test-tag=\"internal-link\" href=\"/tag/bank\" rel=\"\" target=\"\"><span class=\"hyperion-css-0\">Bank</span></a></li><li class=\"hyperion-css-1og0r8\"><a aria-label=\"Finansklagenemda\" class=\"hyperion-css-vpoaev\" data-test-tag=\"internal-link\" href=\"/tag/finansklagenemda\" rel=\"\" target=\"\"><span 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"source_updated_at" : "2026-01-27 11:55:31",
"summary" : "Finansklagenemda Bank har behandlet to klagesaker om bankenes adgang til å endre renten på boliglån med flytende rente…",
"tags" : null,
"title" : "Finansklagenemnda mener bankenes vilkår for renteendringer er ulovlige",
"twitter_title" : null,
"version" : 1
}