Before you apply for a home loan, you should think about what you prefer to buy – a house or an apartment? In Norway, the first properties are most likely to be purchased, mainly due to subsequent costs. When you decide on a house, in addition to paying off the loan, you will pay your utility bills. In the case of apartments, there is another cost, the so-called elleskostnader. This is something like rent that must be paid by every apartment owner in the block.