Refinansiering Med Betalingsanmerkning: Refinancing with Payment Notes


Refinancing helps you pay your outstanding loans by providing you with a better settlement option and allowance to repay at your own pace. With this, you can prevent payment notices or clear those you already have.

This article will help you better understand the concept of refinancing and how you can use them for clearing payment notes.

Understanding Refinancing and Payment Notes

Refinancing is taking a new loan to pay off one or more outstanding loans. So, you can gather all your stand-alone big or small loans from credit card, utility bills, or loan agency debts into one loan to pay them off. But what does refinansiering av gjeld med betalingsanmerkning (refinancing of debt with payment notice) mean?

Payment notes are notices issued by the creditor when you don’t pay or whenever you’re late in repayments at a given period. With this notice, you become ineligible to apply for new loans from banks or any agency.

Before you get a notice, you’ll receive a forwarding of a late settlement notice two weeks prior.

It takes approximately 30 days before the payment notice is registered legally and shown in your financial records as a red flag.

Payment notes are red flags on your financial records. How?

Lenders check your credit history whenever you apply for a loan. They do this to check your eligibility for the loan and at what rate they can bargain on it. If a payment notice is in your record, it gives them the impression that you don’t repay loans.

So what can you do if you have a notice from your lender?

Refinance can help you sweep settlement notes under the rug like they never happened. You only need to find a lender that allows refinancing with notice and bargain for the best rates. We explain more below.

How to Refinance with a Payment Note

Although local banks may not be willing to risk accepting you for a refinance when you already have a payment note, other lenders can. Below are 3 steps that can help you go about this.

1. Look for Lenders

Several lenders offer to refinance, but only a few might accept to refinance your loans when you have notice.

The best way to find a lender that offers this option is to start from the known to the unknown.

Visit your local bank and ask if they offer this option. Chances are low that they do, but it’s a good start. They might be willing to point you towards other options. This way, you know what your next steps should be.

However, you can ask friends and family members if you can’t get any valuable info from your bank. They might have been in a similar situation as you and might provide helpful suggestions.

If that still doesn’t work, you can search for lenders online that offer refinancing with Notice. Try to get at least 5 options. This way, you can select from one with the best rate.

In general, ensure you check that the lender is legit. Since only a few lenders offer refinancing with payment notes, scammers can take advantage of the situation. So, confirm that the lender is registered with the Securities and Exchange Commission before any transactions.

2. Combine All Your Loans

You will have to provide security to refinance a loan with a payment notice. By security, we mean collateral.

In most cases, the bank or lender will require you to transfer your loans to a mortgage. To apply for this

  • The home must be yours.
  • You must have paid part of your mortgage if not all.
  • Your property must be worth 85% higher than your loan.

However, you can use other valuable properties you own if you don’t have a home or don’t fit the other requirements above.

Once you have security, you’ll need to transfer the entire home’s equity to the bank that offered the refinance. Usually, rates, in this case, are often between 4% and 6%. While this seems high, it is reasonable for the nature of the loan.

Also, when refinancing with a mortgage as collateral, you can borrow as low as Nok 250,000, depending on the agency.

3. Delete Your Payment Note

Once you’ve refinanced your debt and consolidated them into your mortgage, the credit service will remove your notice.

Usually, the creditor informs the credit service to remove the payment note from your loan history. However, you should confirm it’s cleared by checking all details under your name at the credit report agency.

Advantages of Refinancing

Here are four benefits of refinancing

Here are four benefits of refinancing.

Offers Better Rates

How? Refinancing provides you with a favorable agreement that is to your advantage. With this, you can get a reduction in interest rates on your loans and reduce the amount you are supposed to pay initially.

You Get More Control Over Repayment Time

Refinancing gives you ample time to pay off your debts at your pace. After consolidating your loans, your repayment dates will depend on a new arrangement. So, you can either shorten or elongate your repayment time as you deem fit.

Helps with Payment Notices

Refinancing helps you clear records of settlement notices. This way, you can take new loans in the future.

Disadvantages of Refinancing

While refinancing, you can accumulate large debts you might not be able to repay. Also, there’s a high chance that the loan duration will extend, which means more accumulation of interest rates.

Further, there’s a possibility that refinancing might hurt your credit score. You can read this article to learn more about this.


Apart from a bad credit score, payment notices can restrict you from getting new loans in future. However, refinancing your loans when you’ve got a settlement notice can help clear your records.

This type of refinancing requires collateral and is offered by niche banks. Usually, the loan terms are different from regular loans. For instance, you can get rates up to 10%.

After applying for refinancing with a payment note, you should check whether the payment notices have been deleted or not. There are cases where the payment may still need to reflect. You can check with credit agencies like Bisnode or Experian for free.

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