Without using the IN-ordning, how long does it take to pay off the Fellesgjeld? For example, from OBOS? Link to the example ads.
Without using the IN-ordning, how long does it take to pay off the Fellesgjeld? For example, from OBOS? Link to the example ads.
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Most flats in borettslag has some kind of fellesgjeld. As this debt is gradually paid, the borettslag may get new needs for maintenance and upgrades. This can be financed by increased fellesgjeld. So the answer to your question is: maybe never. But that’s not a bad thing.
Paying fellesgjeld with IN-ordning is only profitable if you could get better interest rates than the borettslag – and that’s usually not the case.
https://bank.obos.no/privat/aktuelt/fellesgjeld-til-glede-eller-besvar/
Only three things are certain in life: Death, taxes and the fellesgjeld
That loan is for 40 years. Typically by then new loans will be taken to pay for renovations, so the housing association doesn’t necessarily ever become debt free.
Source: The prospectus: “Lånet løper i 40 år med 10 års avdragsfrihet.
Lånet er et annuitetslån og løper med flytende rente.”