How to borrow responsibly? | DNB

First of all, it’s a good idea to make some simple calculations:

The leftover balance will represent the amount that you can allocate every month to repaying your loan. The total amount of the payments under all of your financial obligations should not exceed 40 % of your (your family’s) monthly income.

Make your calculations easier with a mortgage loan or a consumer loan calculator

Carefully consider your future and plan for unexpected situations: would your income be sufficient if your family became larger? Do you have savings set aside for a ‘rainy day’ (we recommend that you set aside an amount equal to half your annual wages)?

You can save small amounts on a daily basis.

Ensure your and your family’s financial security​

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