Nomi checks every plan against Norway's lending rules, simulates the future before you commit, and answers your money questions — all on your phone.
Why were you turned down? How much could you really borrow? How do you pay less each month? Nomi reads your real numbers through the bank’s lens — and shows you exactly what to do next.
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.
Compliance, buffer and loans on one calm screen.
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.