| Borrowing fees for new loans* | |
|---|---|
| Borrowing fee, basic loan, up to 65% mortgage | ISK 55,000 |
| Borrowing fee, additional loan | ISK 9,000 |
| Payment ability evaluation for individuals | ISK 9,500 |
| Payment ability evaluation for married couples / cohabitants | ISK 14,500 |
| Payment ability evaluation for individuals (CreditInfo)* | ISK 7,420 |
| Payment ability evaluation for married couples / cohabitants (CreditInfo)* | ISK 14,310 |
| Registration fee | ISK 2,500 |
| Statement of liens | ISK 1,500 |
| Credit rating, if applicable | ISK 1,400 |
| Debt position statement, if applicable | ISK 1,400 |
*subject to changes to cost items at CreditInfo
When two bonds need to be prepared, the borrowing fee is ISK 55,000 for the first loan (the basic loan) and ISK 9,000 for the second loan (the additional loan) if the loans are taken at the same time for the same property. A total of ISK 64,000
The borrower is responsible for registering the bonds.
There is no early payment fee on fund member loans.
| Cost of document preparation* | |
|---|---|
| Mortgage transfers and lien release | ISK 8,000 |
| Change of debtor | ISK 8,000 |
| Amendment to terms / debt restructuring | ISK 8,000 |
| Conditional mortgage authorisation | ISK 8,000 |
| Lien release | ISK 8,000 |
| Payment ability evaluation for individual, if applicable | ISK 9,500 |
| Payment ability evaluation for married couples / cohabitants, if applicable | ISK 14,500 |
| Registration fee | ISK 2,500 |
| Statement of liens | ISK 1,500 |
| Delivery fee for official registration | ISK 1,195 |
| Bank costs for debt restructuring | Variable costs due to defaults |
| Íslandsbanki payment fees* | |
|---|---|
| Paid with payment slip – paper statement | ISK 660 |
| Paid with payment slip – online statement | ISK 515 |
| Notification and payment fee debited from account – paper statement | ISK 275 |
| Notification and payment fee debited from account – online statement | ISK 130 |
Payments on loans to members of Gildi Pension Fund are collected by Íslandsbanki hf.
The cost of payments according to the effective price list of Íslandsbanki hf. (from 11 January 2022).
*Subject to changes to cost items.