Nomi checks every plan against Norway's lending rules, simulates the future before you commit, and answers your money questions — all on your phone.
Nomi turns Norway's lending rules and your real numbers into a clear answer: what you can afford, and whether a bank could actually approve it.
Every plan is checked against Utlånsforskriften — debt-to-income, loan-to-value, equity and the stress test — so you always know where you stand.
Drag a few sliders to see how a new mortgage or consumer loan reshapes your monthly budget — in real time, with the stress-rate buffer built in.
Ask anything about your money. Nomi reasons over your real numbers and runs fully on-device — no profile, loans or messages ever leave your phone.
Track where your income goes, your interest timeline, and your debt-free date — and find out how much paying 10% extra would actually save.
Most finance apps upload your life to a server. Nomi does the opposite: the math and the AI run on the device in your hand. There's simply no server-side copy of your money to leak, sell, or subpoena.
Nomi measures each plan against the same limits a Norwegian bank must apply, so your numbers reflect what could actually be approved.
Total debt can be at most five times your gross annual income.
A mortgage can cover up to 90% of the property's value (60% for home credit lines).
You need to cover at least 10% of the purchase price with your own capital.
You must still cope if rates rise 3 points — and by at least 7% in total.
Above 60% LTV you must pay down principal every month — no interest-only.
Unsecured consumer loans must be repaid within five years.
Net income, household and municipality — that's it. It stays on your device, and you can change it anytime.
Model a new mortgage or consumer loan and instantly see compliance, monthly cost and your stress-rate buffer.
"Can I afford this?" "Should I refinance?" Nomi answers from your real figures, privately, on-device.
Download Nomi and plan your next loan with total confidence. Your numbers stay yours.