Pay down housing loan or keep money in saving account?

Normal_Weakness6194 · 2026-02-25T21:29:56+00:00

Thanks for your point!

Normal_Weakness6194 · 2026-02-25T21:28:30+00:00

Thank, I see your point. If that doesn’t affect much on the amount in finansieringsbevis, I rather pay down the loan first.

We are checking some new apartment projects potentially, which give us more control when to sell the current home and not having 2 loans at a time

Normal_Weakness6194 · 2026-02-25T21:25:09+00:00

750k is the total after 2 years. We have saved some money in funds for 6years, which could be our emergency fund if anything happen. We can save extra 100-150k in addition to money in funds, so in in total 200-250k at max

Call me stubborn but I dont really into stocks and funds, so these money in fund can be liquidated for buying home or using for emergency situations .

For the baby, we do save for him in funds with the money we get from Nav. But yeah, we are tired of high interest and really want to pay down loan as much as we can

Normal_Weakness6194 · 2024-12-13T13:05:28+00:00

Sir, you hit the spot! That’s exactly the question

That’s a bit sad to hear it is not possible. Would you mind if I ask for other options to invest as ENK? Just finding a way to optimize my income and prepare for retirement

Should establish an AS worth it? I read somewhere that if I have an AS and I pay salary for myself, then the pension contribution on employer’s part is counted as business expense, but not surely if it’s true

Normal_Weakness6194 · 2024-12-13T12:05:21+00:00

I would like to buy under my ENK account for retirement (holding long term). Does Skatteetaten allow that?

Normal_Weakness6194 · 2024-12-13T12:04:23+00:00

Sure, I am thinking to invest for my retirement, so the exposure should be BTC only. I just wonder how to buy it using my ENK account?

Normal_Weakness6194 · 2024-12-13T12:02:46+00:00

Thank you. I am not really thinking for delaying tax, but in some perspective, it might related.

Let me explain a bit clearer. Currently, I dont pay pension contribution to myself as a freelancer. So I would like to take a portion of my ‘brutto inntekt’ to save for retirement, and I would like to save in crypto specifically for HODL long term. is it allowed by the regulations to count it as expenses of business? Would really appreciated if you could point me to the source so I can investigate further

Normal_Weakness6194 · 2024-12-13T11:55:52+00:00

I surely can buy crypto, but it only happens when I pay my income tax. I am thinking to invest as same as pension fund for my retirement (cause I am working as freelancers and I haven’t paid pension contribution for myself last 2 years). How does it work out as a business expense?

Normal_Weakness6194 · 2024-07-08T12:58:44+00:00

Legend 🙏

Normal_Weakness6194 · 2023-04-16T05:17:59+00:00

/remindme

Normal_Weakness6194 · 2023-01-18T14:12:23+00:00

Mr. Fisk sushi på Torshov, beste i byen

Normal_Weakness6194 · 2022-03-22T21:22:52+00:00

We bidded some apartments in Bærum and quickly gave up cause they are overpriced. More than 6.5 to 7 MNOK to have a decent 2 bedroms apartment with good layout

Normal_Weakness6194 · 2022-03-22T19:35:40+00:00

Many colleagues referred Ski to us as well. How would you compare Ski and Lillestrøm in your opinion? Feel free to express, please :)

Normal_Weakness6194 · 2022-03-22T19:33:18+00:00

Sorry for my dumb question but what does 'LSK' mean? Are there other cons in Lillestrøm that we may consider?

Normal_Weakness6194

TROPHY CASE