{
  "name": "Sparesjekk Rentegap historikk",
  "generated": "2026-09-22",
  "method": "Månedlig SSB-rente minus Norges Banks månedsgjennomsnitt for styringsrenten.",
  "sources": {
    "ssb_new_mortgage": "10748",
    "ssb_outstanding": "10745",
    "norges_bank": "styringsrenten månedsgjennomsnitt"
  },
  "period_start": "2021-09",
  "period_end": "2026-07",
  "observations": 59,
  "history": [
    {
      "period": "2021-09",
      "policy_rate_monthly_avg": 0.06,
      "new_mortgage_rate": 1.75,
      "outstanding_mortgage_rate": 1.81,
      "new_gap_pp": 1.69,
      "outstanding_gap_pp": 1.75
    },
    {
      "period": "2021-10",
      "policy_rate_monthly_avg": 0.25,
      "new_mortgage_rate": 1.86,
      "outstanding_mortgage_rate": 1.81,
      "new_gap_pp": 1.61,
      "outstanding_gap_pp": 1.56
    },
    {
      "period": "2021-11",
      "policy_rate_monthly_avg": 0.25,
      "new_mortgage_rate": 1.91,
      "outstanding_mortgage_rate": 1.98,
      "new_gap_pp": 1.66,
      "outstanding_gap_pp": 1.73
    },
    {
      "period": "2021-12",
      "policy_rate_monthly_avg": 0.36,
      "new_mortgage_rate": 1.93,
      "outstanding_mortgage_rate": 1.99,
      "new_gap_pp": 1.57,
      "outstanding_gap_pp": 1.63
    },
    {
      "period": "2022-01",
      "policy_rate_monthly_avg": 0.5,
      "new_mortgage_rate": 2.07,
      "outstanding_mortgage_rate": 2.1,
      "new_gap_pp": 1.57,
      "outstanding_gap_pp": 1.6
    },
    {
      "period": "2022-02",
      "policy_rate_monthly_avg": 0.5,
      "new_mortgage_rate": 2.12,
      "outstanding_mortgage_rate": 2.19,
      "new_gap_pp": 1.62,
      "outstanding_gap_pp": 1.69
    },
    {
      "period": "2022-03",
      "policy_rate_monthly_avg": 0.55,
      "new_mortgage_rate": 2.16,
      "outstanding_mortgage_rate": 2.2,
      "new_gap_pp": 1.61,
      "outstanding_gap_pp": 1.65
    },
    {
      "period": "2022-04",
      "policy_rate_monthly_avg": 0.75,
      "new_mortgage_rate": 2.31,
      "outstanding_mortgage_rate": 2.21,
      "new_gap_pp": 1.56,
      "outstanding_gap_pp": 1.46
    },
    {
      "period": "2022-05",
      "policy_rate_monthly_avg": 0.75,
      "new_mortgage_rate": 2.36,
      "outstanding_mortgage_rate": 2.41,
      "new_gap_pp": 1.61,
      "outstanding_gap_pp": 1.66
    },
    {
      "period": "2022-06",
      "policy_rate_monthly_avg": 0.87,
      "new_mortgage_rate": 2.4,
      "outstanding_mortgage_rate": 2.41,
      "new_gap_pp": 1.53,
      "outstanding_gap_pp": 1.54
    },
    {
      "period": "2022-07",
      "policy_rate_monthly_avg": 1.25,
      "new_mortgage_rate": 2.69,
      "outstanding_mortgage_rate": 2.43,
      "new_gap_pp": 1.44,
      "outstanding_gap_pp": 1.18
    },
    {
      "period": "2022-08",
      "policy_rate_monthly_avg": 1.45,
      "new_mortgage_rate": 2.89,
      "outstanding_mortgage_rate": 2.86,
      "new_gap_pp": 1.44,
      "outstanding_gap_pp": 1.41
    },
    {
      "period": "2022-09",
      "policy_rate_monthly_avg": 1.89,
      "new_mortgage_rate": 3.29,
      "outstanding_mortgage_rate": 2.91,
      "new_gap_pp": 1.4,
      "outstanding_gap_pp": 1.02
    },
    {
      "period": "2022-10",
      "policy_rate_monthly_avg": 2.25,
      "new_mortgage_rate": 3.66,
      "outstanding_mortgage_rate": 3.35,
      "new_gap_pp": 1.41,
      "outstanding_gap_pp": 1.1
    },
    {
      "period": "2022-11",
      "policy_rate_monthly_avg": 2.47,
      "new_mortgage_rate": 3.88,
      "outstanding_mortgage_rate": 3.78,
      "new_gap_pp": 1.41,
      "outstanding_gap_pp": 1.31
    },
    {
      "period": "2022-12",
      "policy_rate_monthly_avg": 2.62,
      "new_mortgage_rate": 3.99,
      "outstanding_mortgage_rate": 3.99,
      "new_gap_pp": 1.37,
      "outstanding_gap_pp": 1.37
    },
    {
      "period": "2023-01",
      "policy_rate_monthly_avg": 2.75,
      "new_mortgage_rate": 4.17,
      "outstanding_mortgage_rate": 4.14,
      "new_gap_pp": 1.42,
      "outstanding_gap_pp": 1.39
    },
    {
      "period": "2023-02",
      "policy_rate_monthly_avg": 2.75,
      "new_mortgage_rate": 4.19,
      "outstanding_mortgage_rate": 4.23,
      "new_gap_pp": 1.44,
      "outstanding_gap_pp": 1.48
    },
    {
      "period": "2023-03",
      "policy_rate_monthly_avg": 2.82,
      "new_mortgage_rate": 4.22,
      "outstanding_mortgage_rate": 4.22,
      "new_gap_pp": 1.4,
      "outstanding_gap_pp": 1.4
    },
    {
      "period": "2023-04",
      "policy_rate_monthly_avg": 3.0,
      "new_mortgage_rate": 4.38,
      "outstanding_mortgage_rate": 4.23,
      "new_gap_pp": 1.38,
      "outstanding_gap_pp": 1.23
    },
    {
      "period": "2023-05",
      "policy_rate_monthly_avg": 3.21,
      "new_mortgage_rate": 4.52,
      "outstanding_mortgage_rate": 4.43,
      "new_gap_pp": 1.31,
      "outstanding_gap_pp": 1.22
    },
    {
      "period": "2023-06",
      "policy_rate_monthly_avg": 3.39,
      "new_mortgage_rate": 4.69,
      "outstanding_mortgage_rate": 4.66,
      "new_gap_pp": 1.3,
      "outstanding_gap_pp": 1.27
    },
    {
      "period": "2023-07",
      "policy_rate_monthly_avg": 3.75,
      "new_mortgage_rate": 4.98,
      "outstanding_mortgage_rate": 4.7,
      "new_gap_pp": 1.23,
      "outstanding_gap_pp": 0.95
    },
    {
      "period": "2023-08",
      "policy_rate_monthly_avg": 3.86,
      "new_mortgage_rate": 5.19,
      "outstanding_mortgage_rate": 5.14,
      "new_gap_pp": 1.33,
      "outstanding_gap_pp": 1.28
    },
    {
      "period": "2023-09",
      "policy_rate_monthly_avg": 4.07,
      "new_mortgage_rate": 5.34,
      "outstanding_mortgage_rate": 5.16,
      "new_gap_pp": 1.27,
      "outstanding_gap_pp": 1.09
    },
    {
      "period": "2023-10",
      "policy_rate_monthly_avg": 4.25,
      "new_mortgage_rate": 5.46,
      "outstanding_mortgage_rate": 5.36,
      "new_gap_pp": 1.21,
      "outstanding_gap_pp": 1.11
    },
    {
      "period": "2023-11",
      "policy_rate_monthly_avg": 4.25,
      "new_mortgage_rate": 5.54,
      "outstanding_mortgage_rate": 5.56,
      "new_gap_pp": 1.29,
      "outstanding_gap_pp": 1.31
    },
    {
      "period": "2023-12",
      "policy_rate_monthly_avg": 4.37,
      "new_mortgage_rate": 5.56,
      "outstanding_mortgage_rate": 5.57,
      "new_gap_pp": 1.19,
      "outstanding_gap_pp": 1.2
    },
    {
      "period": "2024-01",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.62,
      "outstanding_mortgage_rate": 5.58,
      "new_gap_pp": 1.12,
      "outstanding_gap_pp": 1.08
    },
    {
      "period": "2024-02",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.66,
      "outstanding_mortgage_rate": 5.7,
      "new_gap_pp": 1.16,
      "outstanding_gap_pp": 1.2
    },
    {
      "period": "2024-03",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.71,
      "outstanding_mortgage_rate": 5.73,
      "new_gap_pp": 1.21,
      "outstanding_gap_pp": 1.23
    },
    {
      "period": "2024-04",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.74,
      "outstanding_mortgage_rate": 5.73,
      "new_gap_pp": 1.24,
      "outstanding_gap_pp": 1.23
    },
    {
      "period": "2024-05",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.72,
      "outstanding_mortgage_rate": 5.73,
      "new_gap_pp": 1.22,
      "outstanding_gap_pp": 1.23
    },
    {
      "period": "2024-06",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.72,
      "outstanding_mortgage_rate": 5.72,
      "new_gap_pp": 1.22,
      "outstanding_gap_pp": 1.22
    },
    {
      "period": "2024-07",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.73,
      "outstanding_mortgage_rate": 5.72,
      "new_gap_pp": 1.23,
      "outstanding_gap_pp": 1.22
    },
    {
      "period": "2024-08",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.69,
      "outstanding_mortgage_rate": 5.71,
      "new_gap_pp": 1.19,
      "outstanding_gap_pp": 1.21
    },
    {
      "period": "2024-09",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.58,
      "outstanding_mortgage_rate": 5.69,
      "new_gap_pp": 1.08,
      "outstanding_gap_pp": 1.19
    },
    {
      "period": "2024-10",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.53,
      "outstanding_mortgage_rate": 5.68,
      "new_gap_pp": 1.03,
      "outstanding_gap_pp": 1.18
    },
    {
      "period": "2024-11",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.66,
      "outstanding_mortgage_rate": 5.67,
      "new_gap_pp": 1.16,
      "outstanding_gap_pp": 1.17
    },
    {
      "period": "2024-12",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.66,
      "outstanding_mortgage_rate": 5.66,
      "new_gap_pp": 1.16,
      "outstanding_gap_pp": 1.16
    },
    {
      "period": "2025-01",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.68,
      "outstanding_mortgage_rate": 5.66,
      "new_gap_pp": 1.18,
      "outstanding_gap_pp": 1.16
    },
    {
      "period": "2025-02",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.66,
      "outstanding_mortgage_rate": 5.65,
      "new_gap_pp": 1.16,
      "outstanding_gap_pp": 1.15
    },
    {
      "period": "2025-03",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.64,
      "outstanding_mortgage_rate": 5.65,
      "new_gap_pp": 1.14,
      "outstanding_gap_pp": 1.15
    },
    {
      "period": "2025-04",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.63,
      "outstanding_mortgage_rate": 5.62,
      "new_gap_pp": 1.13,
      "outstanding_gap_pp": 1.12
    },
    {
      "period": "2025-05",
      "policy_rate_monthly_avg": 4.5,
      "new_mortgage_rate": 5.63,
      "outstanding_mortgage_rate": 5.62,
      "new_gap_pp": 1.13,
      "outstanding_gap_pp": 1.12
    },
    {
      "period": "2025-06",
      "policy_rate_monthly_avg": 4.41,
      "new_mortgage_rate": 5.57,
      "outstanding_mortgage_rate": 5.62,
      "new_gap_pp": 1.16,
      "outstanding_gap_pp": 1.21
    },
    {
      "period": "2025-07",
      "policy_rate_monthly_avg": 4.25,
      "new_mortgage_rate": 5.38,
      "outstanding_mortgage_rate": 5.58,
      "new_gap_pp": 1.13,
      "outstanding_gap_pp": 1.33
    },
    {
      "period": "2025-08",
      "policy_rate_monthly_avg": 4.25,
      "new_mortgage_rate": 5.38,
      "outstanding_mortgage_rate": 5.38,
      "new_gap_pp": 1.13,
      "outstanding_gap_pp": 1.13
    },
    {
      "period": "2025-09",
      "policy_rate_monthly_avg": 4.16,
      "new_mortgage_rate": 5.27,
      "outstanding_mortgage_rate": 5.35,
      "new_gap_pp": 1.11,
      "outstanding_gap_pp": 1.19
    },
    {
      "period": "2025-10",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.1,
      "outstanding_mortgage_rate": 5.32,
      "new_gap_pp": 1.1,
      "outstanding_gap_pp": 1.32
    },
    {
      "period": "2025-11",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.12,
      "outstanding_mortgage_rate": 5.11,
      "new_gap_pp": 1.12,
      "outstanding_gap_pp": 1.11
    },
    {
      "period": "2025-12",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.09,
      "outstanding_mortgage_rate": 5.1,
      "new_gap_pp": 1.09,
      "outstanding_gap_pp": 1.1
    },
    {
      "period": "2026-01",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.07,
      "outstanding_mortgage_rate": 5.09,
      "new_gap_pp": 1.07,
      "outstanding_gap_pp": 1.09
    },
    {
      "period": "2026-02",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.07,
      "outstanding_mortgage_rate": 5.09,
      "new_gap_pp": 1.07,
      "outstanding_gap_pp": 1.09
    },
    {
      "period": "2026-03",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.06,
      "outstanding_mortgage_rate": 5.08,
      "new_gap_pp": 1.06,
      "outstanding_gap_pp": 1.08
    },
    {
      "period": "2026-04",
      "policy_rate_monthly_avg": 4.0,
      "new_mortgage_rate": 5.07,
      "outstanding_mortgage_rate": 5.08,
      "new_gap_pp": 1.07,
      "outstanding_gap_pp": 1.08
    },
    {
      "period": "2026-05",
      "policy_rate_monthly_avg": 4.19,
      "new_mortgage_rate": 5.13,
      "outstanding_mortgage_rate": 5.08,
      "new_gap_pp": 0.94,
      "outstanding_gap_pp": 0.89
    },
    {
      "period": "2026-06",
      "policy_rate_monthly_avg": 4.25,
      "new_mortgage_rate": 5.23,
      "outstanding_mortgage_rate": 5.09,
      "new_gap_pp": 0.98,
      "outstanding_gap_pp": 0.84
    },
    {
      "period": "2026-07",
      "policy_rate_monthly_avg": 4.25,
      "new_mortgage_rate": 5.29,
      "outstanding_mortgage_rate": 5.31,
      "new_gap_pp": 1.04,
      "outstanding_gap_pp": 1.06
    }
  ]
}