OBOS Eiendom

Name

OBOS Eiendom

Legal name

OBOS BBL

Website

https://obos.no

Company type

Private

Founded year

1929

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Residential Real Estate Development

NAICS

Lessors of Residential Buildings and Dwellings (53111), Lessors of Real Estate (5311)

SIC

Operators Of Apartment Buildings (6513), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Condominium Association Management (BPAJAHAA)

Keywords

• Residential property development
• Housing cooperative
• Mortgage lending
• Property management services
• Real estate brokerage

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. New Residential Property Sales: OBOS develops and sells new residential apartments and housing units across Norway. Revenue is generated through the sale of apartments in newly constructed housing cooperatives (borettslag) and owner-occupied apartments (selveier). Properties range from studios to 5-room apartments, with prices from approximately NOK 1.7 million to over NOK 20 million. OBOS also acts as developer and seller, managing the entire pipeline from land acquisition through construction and handover.
2. Banking Products (OBOS-banken): OBOS operates its own bank offering savings accounts, home loans (boliglån), and specialized mortgage products (Boliglån Eierkollektiv, Boliglån Deleie, OBOS Nyboliglån). Revenue is generated through interest income on mortgage lending and fees on financial products. OBOS-banken offers competitive savings rates (4.07-4.55% p.a.) to attract deposits that fund lending activities. A portion of bank profits is returned to OBOS members and community initiatives rather than external shareholders.
3. Membership Fees and Related Services: OBOS operates a large member organization with over 500,000 members. Members receive priority purchase rights (forkjøpsrett) on new and existing properties, discounts, and access to OBOS bank products. The membership model provides a proprietary customer acquisition channel for OBOS's property development business.
4. Property Management and Board Services: OBOS provides property management services to housing cooperatives (borettslag) and housing associations (sameier), including technical building services, TV/internet provisioning, and property administration (styrearbeid). These services are offered under the 'Styre og Stell' programme, which trains and supports board members in housing cooperatives.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

OBOS Eiendom develops and sells new residential apartments across Norway, primarily in housing cooperative (borettslag) and owner-occupied (selveier) forms, through an obos.no property portal supported by project sellers, showrooms, and a 500,000+ member priority rights channel. The company also offers OBOS-banken savings and mortgage products, OBOS Eiendomsmegler brokerage services, and OBOS Styrearbeid property management for housing cooperatives, with innovative ownership schemes (Eierkollektiv, Bostart, Deleie, Boligbytte) that lower barriers to housing entry.

Product overview

OBOS Eiendom operates as a comprehensive housing and banking ecosystem. The core product is residential property development and sales through OBOS Bolig, offering new apartments in housing cooperatives (borettslag) and direct ownership (selveier) across Norway. This core is complemented by innovative ownership models including OBOS Eierkollektiv (collective room ownership launched February 2026), OBOS Bostart (below-market purchase for buyers 35 and under), OBOS Deleie (partial ownership starting at 50%), and OBOS Boligbytte (property exchange). Financial services are provided through OBOS Bank, including specialized mortgage products (Boliglån Deleie, OBOS Nyboliglån) and savings accounts (Sparekonto with 4.07% interest). The ecosystem is supported by OBOS membership offering pre-emptive rights to over 90,000 properties and OBOS Styrearbeid providing property management services for housing cooperatives.

Differentiator

Problem solved

Functional benefit

Brands

• OBOS-banken: Banking services including savings accounts, mortgages, and home loans
• OBOS Bostart
• OBOS Deleie
• OBOS Boligbytte
• OBOS Eierkollektiv
• OBOS Living Lab

Products and services

• OBOS Bolig (New Residential Housing) OBOS's primary residential offering: newly built apartments across Norway sold as housing cooperative (borettslag) or owner-occupied (selveier) units, ranging from studios to 5-room apartments and priced from approximately NOK 1.7 million to over NOK 20 million. Sold to individual Norwegian homebuyers via obos.no project pages and OBOS property agents.
• OBOS Eierkollektiv (Collective Ownership Housing) Collective housing concept where buyers purchase their own room (8-16 sqm) and share approximately 100 sqm of common areas with 3-4 co-residents. Effective cost approximately NOK 60,000 per sqm including shared areas. Served by a dedicated OBOS-banken loan product (Boliglån Eierkollektiv). Developed and tested by OBOS LivingLab.
• OBOS Bostart (Starter Price Housing) Programme allowing buyers aged 35 or younger to purchase a new OBOS apartment at below-market price; OBOS retains a right (not obligation) to buy back the property at price adjusted by the Eiendom Norge local price index when the owner wishes to sell. The property must be the buyer's primary residence.
• OBOS Deleie (Partial Ownership) Partial-ownership scheme where buyers purchase 50-90% of a new OBOS apartment and rent the remaining share from OBOS at market rate. Buyers can increase their ownership share over time, before or after taking occupancy. For a NOK 4M apartment, 50% ownership requires approximately NOK 200,000 of equity.
• OBOS Boligbytte (Property Trade-In) Trade-in programme where OBOS purchases the buyer's existing property at a guaranteed market price when the buyer purchases a new OBOS home. The existing property must be in good condition, located centrally, and valued at least 30% below the new property price.
• OBOS-banken (OBOS Bank) Member-only banking division offering savings accounts (Sparekonto at 4.07% standard rate, up to 4.55% promotional), new-build mortgages (OBOS Nyboliglån) and specialised mortgage products for OBOS ownership schemes (Boliglån Eierkollektiv, Boliglån Deleie). Deposits are insured up to NOK 2M by Bankenes Sikringsfond; a portion of bank profits is returned to OBOS members and community initiatives rather than external shareholders.
• OBOS Sparekonto (Savings Account) Member-only savings account paying 4.07% p.a. interest from the first krone (promotional rate up to 4.55% p.a.), with 24 fee-free withdrawals per calendar year and a maximum of 9 accounts per customer. Deposits insured up to NOK 2M by Bankenes Sikringsfond.
• OBOS Nyboliglån (New-Build Mortgage) Competitive-rate mortgage product for new-build apartments from OBOS and OBOS Block Watne, available to OBOS-banken customers purchasing property directly from OBOS's development pipeline.
• OBOS Medlemskap (Membership) Membership programme offering priority purchase rights (forkjøpsrett) on more than 90,000 new and existing properties, more than 60 discount agreements, and participation in OBOS's member democracy. Over 500,000 active members.
• OBOS Styrearbeid (Cooperative Board & Property Management Services) Property management services for housing cooperatives (borettslag) and housing associations (sameier), including technical building services, TV and internet provisioning, board training and the 'Styre og Stell' annual seminar programme for board members.
• OBOS Eiendomsmegler (Real Estate Brokerage) In-house real estate agency providing property valuation, marketing and transaction support for members and external sellers of existing homes, including listing on Norwegian real estate portals.

Quantifiable outcome

• Over 500,000 OBOS members receive priority purchase rights (forkjøpsrett) on more than 90,000 properties
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• Diakonhjemmet Omsorg / Diakonveien Omsorg+coreStrategic or Co-development PartnerDiakonhjemmet Omsorg (operating as Diakonveien Omsorg+) is OBOS's operational partner for senior housing developments. At Bølgelengden (61 senior residences at Lambertseter, Oslo), Diakonveien Omsorg provides on-site care management through a dedicated house manager (husvert) and manages communal activities and resident support services. The partnership combines OBOS's property development expertise with Diakonhjemmet's healthcare and elderly care operational capabilities.
• VeidekkemajorStrategic or Co-development PartnerVeidekke is the construction contractor and co-developer for Vollebekk Torgkvartal, a 161-apartment development in the Bjerke district of Oslo. OBOS is the developer and seller; Veidekke handles construction. The project is completed and occupied, with remaining units for sale.
• Stor-Oslo EiendommajorStrategic or Co-development PartnerStor-Oslo Eiendom is OBOS's co-development partner for the Frysja area (Frysjatunet and Frysja X), one of Oslo's most popular new residential neighborhoods. The partnership involves approximately 850 new homes, with OBOS developing the residential portion and Stor-Oslo contributing to the broader area development. Frysja X consists of 10 exclusive top-floor penthouses.
• HTHminorOthersHTH is a Norwegian kitchen manufacturer and interior solutions provider. OBOS uses HTH kitchen cabinetry and storage solutions across multiple OBOS property projects (e.g., Haakon Tveters vei 88, Bølgelengden, Vollebekk Torgkvartal). The partnership provides standardized, high-quality kitchen interiors for new-build apartments.
• IKEAminorOthersIKEA supplies the basic kitchen equipment package for OBOS Eierkollektiv collective housing units. The partnership provides cost-effective, standardized kitchen starter kits (utstyrspakke) for the shared kitchens in the collective housing apartments, enabling residents to move in immediately.
• ElectroluxminorOthersElectrolux supplies integrated kitchen appliances for the Haakon Tveters vei 88 apartment project. The partnership ensures consistent appliance quality across the development's four residential units.
• Eiendom NorgeminorOthersEiendom Norge is the Norwegian real estate industry's trade organization that publishes official property price indices. OBOS uses Eiendom Norge's price indices to calculate buyback prices for OBOS Bostart and price adjustments for OBOS Deleie share purchases. This ensures fair, market-standard pricing mechanisms.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Selvaag Bolig: Selvaag Bolig is one of Norway's largest residential developers, building apartments and houses across the Oslo region and other Norwegian cities. Directly comparable as a Norwegian new-build residential developer competing with OBOS for land, buyers, and the same housing-cooperative/selveier product mix.
• Veidekke: Veidekke is both a co-developer with OBOS (e.g., Vollebekk Torgkvartal) and a direct competitor through its residential development arm. Comparable as a Norwegian contractor-developer active in the same Oslo housing-cooperative borettslag segment with similar development scale.
• Nordr: Nordr (formerly Veidekke Eiendom) is a Norwegian residential developer producing apartments and urban housing projects nationwide. Directly comparable as a Norwegian new-build apartment developer competing for the same first-time-buyer and family segments as OBOS Bolig.
• JM (JM AB): JM is Sweden's leading residential developer, focused on new-build apartments and housing in Scandinavian growth markets. Comparable as a Nordic residential developer with a similar project-sales GTM, customer segmentation across first-time-buyers to seniors, and bostadsrätts/cooperative-style ownership structures.
• Bonava: Bonava is a Nordic residential developer building apartments and multi-family housing across Sweden, Germany, Finland, and the Baltics. Closely comparable as a Nordic-focused, project-based developer serving similar entry-level and family buyer segments to OBOS Bolig, with comparable start-pricing and ownership-model initiatives.

Broad incumbents

• Skanska Norge: Skanska's Norwegian operation is a major contractor-developer active in commercial real estate, infrastructure, and select residential projects. Overlaps with OBOS as a Norway-based real estate operator and developer but is broader, with greater emphasis on commercial construction and global scale.
• NCC: NCC is a major Nordic construction and real estate developer with a Norwegian residential arm. Comparable as a Nordic incumbent building multifamily housing, but broader than OBOS with significant commercial construction and infrastructure exposure.

Others

• DNB: DNB is Norway's largest financial services group and a major mortgage provider. Relevant as the primary banking-services comparable to OBOS-banken, with overlapping deposit-taking and home-loan products targeting Norwegian residential property buyers.
• SBAB: SBAB is Sweden's state-owned mortgage lender focused exclusively on housing finance. Comparable as a specialist housing-finance institution analogous to OBOS-banken, although SBAB serves the Swedish market and OBOS-banken is restricted to OBOS members in Norway.

Regional players

• USBL: USBL is one of Norway's largest member-owned housing cooperatives with a similar borettslag-based model to OBOS. Comparable as a Norwegian cooperative housing organization with member priority rights, but smaller in scale and primarily an Oslo-area association versus OBOS's pan-Norway development platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/obosmedlem
• LinkedInlinkedin.com/company/obos

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OBOS Eiendom