Egenkapitalen er såpass høy at belåningsgraden blir lav.

The ending -en marks the definite singular form in Bokmål for many masculine nouns.

• egenkapital = equity / own capital

• egenkapitalen = the equity

• belåningsgrad = loan-to-value ratio
• belåningsgraden = the loan-to-value ratio

In Norwegian, it is very common to attach definiteness directly to the noun instead of using a separate word like the.

Såpass means something like to such an extent, that much, or fairly/quite so depending on context.

In this sentence:

• Egenkapitalen er såpass høy at ...
• The equity is high enough / so high that ...

So såpass strengthens høy and helps create the result clause with at.

It is similar to så in a so ... that ... structure, but såpass can sound a bit more nuanced, like high to that degree or sufficiently high.

This is a very common structure in Norwegian:

• så / såpass + adjective + at + clause

It means:

• so / sufficiently + adjective + that + result

In your sentence:

• Egenkapitalen er såpass høy at belåningsgraden blir lav.
• The equity is so high that the loan-to-value ratio becomes low.

Other examples:

• Han er såpass trøtt at han legger seg nå.
  = He is so tired that he is going to bed now.

• Prisen er såpass lav at vi kjøper den.
  = The price is low enough that we buy it.

Because høy agrees with a singular non-neuter noun.

Here, egenkapitalen is not neuter, so the adjective stays in its basic form:

• en høy pris
• egenkapitalen er høy

If the noun were neuter, you would usually get høyt:

• et høyt nivå
• nivået er høyt

So:

• egenkapitalen er høy
• not egenkapitalen er høyt

For the same reason as høy.

Belåningsgraden is a singular non-neuter noun, so the predicative adjective is:

• lav

Compare:

• Belåningsgraden er lav.
• Nivået er lavt. (nivå is neuter)

So in your sentence, lav matches belåningsgraden.

Blir means becomes or turns. It suggests a result or change of state.

• belåningsgraden blir lav = the loan-to-value ratio becomes low
• belåningsgraden er lav = the loan-to-value ratio is low

In this sentence, the idea is that because the equity is high, the ratio ends up low. So blir fits well because it highlights the consequence.

In everyday financial Norwegian, egenkapital usually means the money you yourself put in, especially in contexts like buying a home or getting a loan.

Depending on context, it can correspond to:

• equity
• own capital
• down payment / personal contribution

So the exact English translation depends on the situation, but the Norwegian word is very common in banking and finance.

Belåningsgrad is a financial term meaning the relationship between the loan and the value of the asset, especially property.

It is often translated as:

• loan-to-value ratio
• sometimes more loosely borrowing ratio

It is built from:

• belåning = borrowing secured against something / mortgaging
• grad = degree / rate

So belåningsgrad literally means something like degree of leverage/borrowing.

Because Norwegian usually expresses the by adding an ending to the noun:

• kapital → kapitalen
• grad → graden

This is one of the biggest differences from English. Instead of writing a separate word, Norwegian often uses a suffix.

Very roughly:

• a house = et hus
• the house = huset

So egenkapitalen and belåningsgraden already include the idea of the.

Yes. After at, Norwegian uses subordinate clause word order, which means the subject normally comes before the verb, and sentence adverbs go before the verb.

Here:

• at belåningsgraden blir lav

That is normal subordinate-clause structure.

A useful comparison:

• Main clause: Belåningsgraden blir lav.
• Subordinate clause: ... at belåningsgraden blir lav.

In this sentence, the order looks the same as English, but in other sentences you notice it more clearly:

• Main clause: Han kommer ikke.
• Subordinate clause: Jeg vet at han ikke kommer.

So at is a strong signal that a subordinate clause is starting.

Often, yes.

• Egenkapitalen er så høy at belåningsgraden blir lav.
• Egenkapitalen er såpass høy at belåningsgraden blir lav.

Both are natural.

The difference is mainly nuance:

• så = plain so
• såpass = so much / to that extent / sufficiently

In many real situations, såpass can feel slightly more conversational or slightly more focused on the degree being enough to produce the result.

It sounds natural, but definitely financial/technical because of the vocabulary:

• egenkapital
• belåningsgrad

The grammar itself is completely ordinary, but the sentence is the kind of thing you might see in:

• banking advice
• mortgage information
• financial reports
• housing purchase discussions

So a native speaker would understand it as normal Norwegian in a finance context.