Medlåntakeren har en stabil inntekt.

Medlåntakeren is a compound noun:

• med- = co- / joint
• låntaker = borrower
• -en = the (definite singular ending for many masculine/common-gender nouns)

So medlåntakeren literally means the co-borrower or the joint borrower.

Norwegian very often creates long compound nouns like this by joining smaller words together.

The ending -en shows that the noun is definite singular: the co-borrower.

Compare:

• en medlåntaker = a co-borrower
• medlåntakeren = the co-borrower

In Norwegian, the definite article is often attached to the end of the noun instead of being a separate word like the in English.

Because one noun is definite and the other is indefinite:

• medlåntakeren = the co-borrower
• en stabil inntekt = a stable income

So the sentence structure is perfectly normal: The co-borrower has a stable income.

Norwegian uses definiteness noun by noun, just like English does.

Because stabil agrees with a singular indefinite common-gender noun.

Here:

• inntekt is a common-gender noun
• it is singular
• it is indefinite because of en

So the adjective takes its basic en-word form:

• en stabil inntekt

Compare:

• en stabil inntekt = singular, indefinite
• et stabilt lån = singular, indefinite, neuter
• stabile inntekter = plural
• den stabile inntekten = definite

Inntekt is an en-word (common gender), so you say:

• en inntekt = an income
• inntekten = the income

That is why the sentence has en stabil inntekt.

Har means has / have, and it is the present tense of å ha (to have).

Examples:

• jeg har = I have
• du har = you have
• han har = he has
• medlåntakeren har = the co-borrower has

Norwegian verbs do not change according to the subject the way English verbs do.
So it is always har, not different forms like have/has.

The sentence follows normal Norwegian main-clause word order:

Subject + Verb + Object

• Medlåntakeren = subject
• har = verb
• en stabil inntekt = object

So:

Medlåntakeren har en stabil inntekt.

This is very similar to normal English word order: The co-borrower has a stable income.

No. In Norwegian, nouns are not normally capitalized.

So:

• medlåntakeren
• inntekt

are only capitalized at the beginning of the sentence because they happen to be sentence-initial.

A rough guide for an English speaker is:

meh-dlohn-tah-keh-ren

A few helpful notes:

• å sounds like a long vowel somewhat like the vowel in British law, though not exactly the same.
• The stress is typically on the lå part: med-LÅN-takeren.
• Norwegian pronunciation varies somewhat by dialect, so the exact sound can differ.

If you want to sound natural, it helps to think of it as one smooth compound word, not several separate words.

Normally, no. In Norwegian, compound nouns are usually written as one word.

So the standard form is:

• medlåntaker

not:

• med låntaker

Writing it as two words would usually look wrong in standard Norwegian.

Because in this sentence, inntekt is a singular countable noun used indefinitely, so it normally needs an article:

• en stabil inntekt = a stable income

In some contexts Norwegian can omit articles more than English can, but in a simple sentence like this, en is the natural choice.

If you wanted to talk about more than one co-borrower or more than one income-related item, several parts might change.

For example:

• Medlåntakerne har stabile inntekter. = The co-borrowers have stable incomes.

Changes:

• medlåntakeren → medlåntakerne = the co-borrowers
• stabil → stabile = plural adjective form
• inntekt → inntekter = plural noun

This is a useful pattern to remember for adjective agreement.

This sentence is standard Bokmål.

A Nynorsk version could look different, for example:

• Medlåntakaren har ei stabil inntekt.

Main differences include forms like:

• -eren in Bokmål vs. -aren in Nynorsk for some nouns
• en vs. sometimes ei for feminine nouns

So the sentence you were given is the Bokmål form.