# Iibinta guryaha Norwaaga loogu taloo somalida: kaydka gaarka ah, majaajillada iyo balaarka

Ma jirta caadi ah iibinta guryaha Norwaaga? Waxaad u baahan tahay ugu yaraan 10 porsento oo kaydka gaarka ah, balaarka ugu badan shan jeer dakhalkiiga, iyo majaajillada oo binding. Halkaan looga ogaadaa sida buug-xabka, raportiga gaarka, kasbiga dukumaenta iyo iska qabashada.

Canonical: https://samfunnprep.no/so/articles/boligkjop-norge-innvandrere
Language: so
Publisher: SamfunnPrep
Author: Hlib Suslov
Published: 2026-06-24T15:54:25.61+00:00
Modified: 2026-10-12T21:06:10.265913+00:00
AI use policy: https://samfunnprep.no/ai-policy.txt

## Key takeaways

- Gu yaraan 10 porsento oo kaydka gaarka ah Waxaad caadi ahaan u baahan tahay gu yaraan 10 porsento oo kaydka gaarka ah (la yar-yaareeyey 15 hore intii 31-ka December 2024), iyo balaarka gudaha uma ay kari karaan inay ka bixin shan jeer dakhalkiiga.
- Majaajilladu waa binding Marka seller-ku aqbalo majaajilladaada interstigii, waa sharciga binding oo ansaxda leh - hadda hadii ay ka badan tahay ekonomyiiga aad taagi kartid.
- Xasuusan kasbiga dukumaenta Isticmaal 2.5 porsento oo kasbiga dukumaenta oo kaydkiiga oo selveierbolig, iyo kasbiga tinglysing. Borettslagsleiligheter waa iska-caajisay kasbiga.

Si aad iibineyso guryaha Norwaaga waxaad caadi ahaan u baahan tahay gu yaraan 10 porsento oo kaydka gaarka ah, iyo balaarka gudaha oo aan ka bixin shan jeer dakhalkiiga. Majaajilladu waa binding marka seller-ku aqbalo. Intii 2022 ka dib raportiga gaarka ayaa kuu bixiya wax ilaaliye ka soo qaabilsan khaladka qarsoon.

Si aad iibineyso guryahiiga hore ee Norwaaga ayaa waxyeello ah oo caadi ah, gaar ahaan waxaad ka timid magaalada. Gidiga ayaa fasiira kara ala'aabta **kaydka gaarka ah** iyo balaarka, sida **buug-xaab** ee u shaqeyneysa, mahiigii **raportiga gaarka** ay u jeedaan, kasbiga aad u bixinayso, iyo jidka meel meel. Ma jirta inaad fahanto qiimaha iyo sida gaarka lagu caara yar ku beddelay, waad kaas ka helaysaa lambada [boligmarkedet i Norge](https://samfunnprep.no/so/articles/boligmarked-statistikk-norge). Lambada hoose waxay ku saabsantahay 8-ka bishan Luulyo 2026 iyo waxay ku salaysan tahay Finanstilsynet, Kartverket iyo sharciga Norwaaga.

## Kaydka gaarka oo aad u baahan tahay iibinta guryaha?

Waxaad caadi ahaan u baahan tahay gu yaraan **10 porsento oo kaydka gaarka ah**. Sharciga balaarka ee guryaha waa ku jira **utlånsforskriften**, kaas oo Finansdepartementet iyo **Finanstilsynet** (ilaaliyaha dowladeed ee bangiyadda) ay wadaagaan. Ala'aabta muhiimka ah waa:

- **Kaydka gaarka: gu yaraan 10 porsento.** Waxaad caadi ahaan u baahan tahay inaad kulantu 10 porsento oo kaydka gaarka ah oo thubuhu, sidaas oo balaarka uusan ka bixin 90 porsento oo qiimaha guryaha. Ala'aabtu waa **la yar-yaareeyey 15 hore loogu yar 10 porsento intii 31-ka December 2024**, sidaas oo aad xasuusan lahayd haddii aad akhdin talooyinka hore.
- **Balaarka ugu badan: shan jeer dakhalkiiga.** Balaarka gudaha caadi ahaan uma ay kari karaan inay ka bixin **shan jeer** dakhalkii sannadleed ee ad-adeyga.
- **Waxaad taagin kartaa rente sare.** Bangiyadu way xaqaan kartaa inaad taagin kartaa kharashka haddii rentiga lagu kordhio **3 porsento-qodob**, iyo gu yaraan rente ah oo **7 porsento**.
- **Casrika 60 porsento.** Balaarka baa intaa ka siman 60 porsento oo qiimaha guryaha, waxaad u baahan tahay inaad bixiso casrika, marka lagu dhaafay rentiga.

Matalo koowaad oo caada ah waa inaad heshto **dukumaenta finansiyada** bangiyada. Waxay kuu sheegaysaa si sax ah sida aad iibineyso, iyo waxay seller-ka tustaysaa inaad tahay iibiso jeel ah. Inaad leedahay order ku saabsan dakhalkii, balaarka iyo jiidkii waxay yeeshaan isir fudud - eeg sida aad sameysid [personlig økonomi i Norge](https://samfunnprep.no/so/articles/personlig-okonomi-norge) iska hor imaan.

## Buug-xaabka: sida ay u shaqeyneyso majajillada guryaha Norwaaga?

**Majaajilladu waa binding**. Seller-ku aqbalo majaajilladaada interstigii, waxaad galeen xeerarka binding ah oo ansaxda leh - ma kaaraan aad beddeleyso. Iibinta waxaa caadi ahaan lagu qabaa **buug-xaab** oo u faafiyey **daleel dhismeedka**.

Sharciyada qaarkood ayaa isku ilaaliyey side consumer:

- Daleel-dhismeedku wuu **kari wayo** inauu geeyo majaajillada oo lagu taagan dhamaadka inta yar ka **12.00 maalintii shaqada koowaad ee dib u dhigal mid ugu dambeeyey oo argagaxisid**. Sabti maa loo tirtiri karo maalintii shaqada.
- Waxaad hay u leedahay inaad aragtid **al-amaalka majaajillada**, sidaas oo aad aragtid majaajillada kale.

Ha soo jeediyeen hadda majaajillada ka badan sida dukumaenta finansiyada iyo dakhalkiiga ay taagin karaan. Magalooyinka wararka xoog leh majaajillada qiimaha wuu kici karaa oo badan yar ka dhacay qiimaha. Buug-xaabku wuu kici karaa inay noqdoto cid ayaan fudud, laakiin majaajilladaada waa ballan aad u baahan tahay inaad taagto.

## Raportiga gaarka iyo avhendingslova: ilaaliye ka soo qaabilsan khaladka qarsoon

Haddii aad iibineyso **guryaha hore**, **raportiga gaarka** (raportiga xogta ah ee guryaha lagu tiriro) waa muhiim. Kadib intii **avhendingslova** lagu beddeleyey **1 January 2022**, buyer-ku wuu sare u joogsanaa ilaaliye:

- Qabiilka guud ah ee **"lagu iibiyey sida uu yahay"** - cajiibka **ma leh tifaatir** oo ka caadi ah iibinta consumer ee lagu yeelo.
- Seller-ku wuu **buufiniyey naftisa** iyo u mooyeen inauu keeno **raportiga gaarka oo lagu ogolaadey**. Haddii khalad ay ku jirto uu si cad ku jiro raportiga, waxaa tirtirtaa inaad buyer-ka tukado inay garanteero - sidaas oo **akhrin raportiga si fiican** ka hor intii aad majaajilleyso.
- Waxaad caadi ahaan ku kari kartaa inay ku carcarodan mandharka ay todan **10,000 krona kaydka gaarka ah**.

Akhrin raportiga gaarka iyo liiska iibinta inta lagu jiro buug-xaabka. Haddii wax ay buuq tahay, su'aalo u diir daleel-dhismeedka.

## Maxaad iibisaa boligkjøperforsikring?

**boligkjøperforsikringu** waxay qaadaysaa caawi xeerarka haddii aad aqaan khalad-da xuur leh ka dib iibinta. Forsikringudu waxaa cadeeyey in caadi ah daleel-dhismeedka iyo waxaa lagu sii qato hal jeer, caadi ahaan lambada kuwa kun krona ah. Waxay tahay xor-ah. Waxay siisaa caawi xeerarka inaad tilmaamo qiyaas-lacag ah ama lacag-dhowreed seller-ka, laakiin waxay kama tixeli guryaha naftisa. Uga fikir guryaha da'dii iyo waxay raportiga gaarka tustaysaa.

## Kasbiga dukumaenta, tinglysing iyo kharasho kale

Ka dib eeg-kaydka waxaad u baahan tahay inaad bixiso **kasbiga dukumaenta 2.5 porsento** oo kaydkiiga iyo **kasbiga tinglysing**. Tinglysing waxa uu nagu jidhiidhiyey inaad dhawr-gaarka-ku-xidhiidh sax loo soo dhigo **Kartverket**. Isticmaal kharasho yar:

| Kharash | Sac (2026) | Buuq |
| --- | --- | --- |
| Kasbiga dukumaenta | 2.5 % oo kaydkiiga | Kaliya guryaha lagu iibiyey (dhulka aan lagu xoojin) |
| Tinglysing oo skjøte | 545 kr | Sidheeyaha inaad noqotid lagu tilmaamo |
| Tinglysing oo pantedokument | 545 kr | Per balaarka aad sacsatid |

Calaska muhiim ah: **borettslagsleiligheter waa iska-caajisay kasbiga dukumaenta**, maxaa yeelay qaybta borettslag uma loo tirtiri karo dhul ay lagu xidhiidhiyey. Oo hoolka guryaha qiimo badan kaas ayaa kaa celcelin kara lambada kuwa kun krona ah. Farqiga u dhexeeya qaybta waa qiime ah inaad fahamto ka hor intii aad majaajilleyso - akhrin ku saabsan [borettslag eller selveier i Norge](https://samfunnprep.no/so/articles/borettslag-eller-selveier-norge).

## Marka bangiyadu yidhaahdaan maya: startlån iyo jidado kale

Haddii aad iska heysid balaarka caadi ah maxaa yeelay aad lumiyey kaydka gaarka ah, waxaa jira jido hadii mid dowladeed: **startlån** oo magaalada hoy ah. Waxay ma aha qof kasta, laakiin waxay kaa caawin karaan kii-da ku jirta bolig-suuqa - akhrin buug ku saabsan [startlån fra kommunen](https://samfunnprep.no/so/articles/startlan-kommune).

## Iibinta-prosessu-talooyinka meel meel

Su'aalo maqsad-gaab ah iibinta ay u ooltahay halkaan:

1. **Heshta dukumaenta finansiyada** bangiyada, sidaas oo aad ogaato bu'diga aad sacsatid.
2. **Booq argagaxisid** iyo akhrin liiska iibinta, naftisa dhawr-gaarka, iyo raportiga gaarka si fiican.
3. **Jiida majaajillada** daleel-dhismeedka; xasuusan inaad majaajilladu waa binding.
4. **Qoraal xeerarka iibinta** marka majaajilladu waa aqbalay.
5. **Iska qabasho:** aad bixiso (daleel-bangiyada), hantida, iyo iska qabasho guryaha maalintii lagu qafaacay.
6. **Tinglysing:** daleel-dhismeedku wuu u badbaadiy inauu tinglysiyey skjøte-tu Kartverket, sidaas oo aad u taagan lagu mar-garooriyey.

Haddii aad tahay casri ah oo Norwaaga, waxa laga dhacaya in aad taalataabaan waxyar oo iskugu mid ah. Liiska-xanbaarka [Erste uge i Norge](https://samfunnprep.no/so/verktoy/forste-uke) SamfunnPrep ayaa kaa caawin karaan inaad heshto banka-akoon, BankID iyo adreesa folkeregistrert u soojoog - waxyar aad u baahan tahay ka hor intii aad guryaha iibiso.

## Maqsada yar oo lagu hadlaaday

- Waxaad caadi ahaan u baahan tahay **gu yaraan 10 porsento oo kaydka gaarka ah**, iyo balaarka gudaha uma ay kari karaan inay ka bixin **shan jeer** dakhalkiiga.
- **Majaajilladu waa binding** marka seller-ku aqbalo - hadda hadii ay ka badan tahay ekonomyiiga aad taagi kartid.
- Isticmaal **kasbiga dukumaenta 2.5 porsento** (iska-caajis borettslag) iyo kasbiga tinglysing 545 krona.

Fahamid suuqa guryaha, xuquuqa consumer iyo alaabta dowladeed waa qaybta heersiga waxbaribaarku u qondaaci karaan Samfunnskunnskapsprøven. Ayee bilaaw oo bilaaw **SamfunnPrep**.

## FAQ

### Kaydka gaarka oo aad u baahan tahay iibinta guryaha Norwaaga?

Caadi ahaan gu yaraan 10 porsento oo kaydkiiga, sidaas oo balaarka uusan ka bixin 90 porsento oo qiimaha guryaha. Ala'aabtu waa la yar-yaareeyey 15 hore loogu yar 10 porsento intii 31-ka December 2024. Dhowrkale balaarka gudaha uma ay kari karaan inay ka bixin shan jeer dakhalkii sannadleed ee ad-adeyga. Ilaa: utlånsforskriften / Finanstilsynet.

### Majaajilladu waa binding Norwaaga?

Hah. Seller-ku aqbalo majaajilladaada interstigii, waxaad galeen xeerarka binding ah oo ansaxda leh iyo kama kaaraan aad beddeleyso. Hadda hadii ay ka badan tahay dukumaenta finansiyada iyo dakhalkiiga ay taagi karaan.

### Waa maxay raportiga gaarka, iyo maxaa uu muhiim yahay?

Waxay tahay raportiga xogta ah ee guryaha lagu tiriro. Kadib intii avhendingslova lagu beddeleyey 1 January 2022 waxaa tirtirtaa inaad buyer-ka tukado inay garanteero khalad ay ku jirto uu si cad ku jiro raportiga, iyo qabiilka guud ah oo "lagu iibiyey sida uu yahay" - cajiibka waxay ma leh tifaatir. Akhrin si fiican ka hor intii aad majaajilleyso.

### Kasbiga dukumaenta ayaa intaa ah iibinta guryaha?

Kasbiga dukumaenta waa 2.5 porsento oo kaydkiiga iyo baxdo Kartverket tinglysing oo selveierbolig. Borettslagsleiligheter waa iska-caajisay, maxaa yeelay qaybta borettslag uma loo tirtiri karo dhul ay lagu xidhiidhiyey. Dhowrkale kasbiga tinglysing waa 545 krona 2026.

### Waa maxay kaydka gaarka ah 10,000 krona iibinta guryaha?

Kadib avhendingslova waxaad caadi ahaan ku kari kartaa inay ku carcarodan mandharka guryaha hore ay todan gu yaraan 10,000 krona. Khaladka yar aad leedahay inaad sii qaddo. Sharciga ma u ooltahay guryaha cusub.

### Waa maxay aad samayn lahayd haddii bangiyadu ay ii siyin wayo balaarka?

Haddii aad lumiyey kaydka gaarka ah, waxaad baro startlån oo magaalada hoy ah, kaas oo lagga riyooday kii-da ku jirta bolig-suuqa. Waxaad sidoo kale aad sii rento muddo aad helo dakhalkii ka badan oo kaydka gaarka ah.

## Sources

- [Utlånsforskriften – om regelverket](https://www.regjeringen.no/no/tema/okonomi-og-budsjett/finansmarkedene/utlansforskriften2/id3077676/)
- [Utlånsforskriften (forskrift om finansforetakenes utlånspraksis)](https://lovdata.no/dokument/SF/forskrift/2020-12-09-2648)
- [Avhendingslova](https://lovdata.no/dokument/NL/lov/1992-07-03-93)
- [Dokumentavgift ved overføring av fast eigedom](https://www.kartverket.no/eiendom/dokumentavgift-og-gebyr/dokumentavgift-ved-overforing-av-fast-eigedom)
- [Tinglysingsgebyr](https://www.kartverket.no/eiendom/dokumentavgift-og-gebyr/tinglysingsgebyr)

Citation: Hlib Suslov, "Iibinta guryaha Norwaaga loogu taloo somalida: kaydka gaarka ah, majaajillada iyo balaarka", SamfunnPrep, 2026-06-24T15:54:25.61+00:00, https://samfunnprep.no/so/articles/boligkjop-norge-innvandrere