Lånetilbudet er skriftlig.

Because Norwegian often makes compound nouns by joining words together.

• lån = loan
• tilbud = offer

So lånetilbud literally means loan offer.

Then -et is added at the end to make it definite:

• lånetilbud = a loan offer
• lånetilbudet = the loan offer

This is very common in Norwegian.

-et is the definite article suffix for many neuter nouns in Norwegian.

So instead of putting a separate word like the in front, Norwegian often adds the definite article to the end of the noun:

• et tilbud = an offer
• tilbudet = the offer

Since lånetilbudet ends with -et, it means the loan offer.

Unlike English, Norwegian usually expresses the by attaching it to the noun.

Compare:

• English: the offer
• Norwegian: tilbudet

So in Lånetilbudet er skriftlig, the idea of the is already built into lånetilbudet.

Er is the present tense of å være = to be.

So:

• er = is / are

In this sentence, it links the subject to a description:

• Lånetilbudet = the loan offer
• er = is
• skriftlig = written / in writing

This is a very standard subject + verb + description structure.

Good question. Normally, many Norwegian adjectives take a -t in the neuter singular:

• en stor bil
• et stort hus

But adjectives ending in -ig usually do not add -t in Bokmål.

So:

• en skriftlig avtale
• et skriftlig tilbud

and as a predicate too:

• Tilbudet er skriftlig

So skriftlig is the correct form here.

Here skriftlig means something like:

• written
• in writing
• in written form

In this sentence, it likely means the loan offer has been given as a written document, not just said verbally.

So the sentence can correspond to English ideas like:

• The loan offer is in writing.
• The loan offer is written.

Depending on context, in writing is often the most natural translation.

It is an adjective here.

It describes the noun lånetilbudet. More precisely, it is a predicate adjective, because it comes after er:

• Tilbudet er skriftlig.

This works like English:

• The offer is written.

So even though it comes after the verb, it is still an adjective describing the subject.

The sentence follows the normal Norwegian main-clause pattern:

• Lånetilbudet = subject
• er = verb
• skriftlig = predicate adjective

So the structure is:

Subject + verb + complement

This is very similar to English:

The loan offer + is + written

A rough guide for an English speaker:

• låne: LOH-neh
• tilbudet: roughly TEEL-boo-deh
• er: a short air / ehr sound, depending on dialect
• skriftlig: roughly SKRIFT-lee

A few useful pronunciation points:

• å sounds like the vowel in British law or more
• u in bud is not exactly like English oo, but oo is a decent approximation
• the final -ig in skriftlig is usually pronounced more like -li in many speech styles

A rough full approximation: LOH-neh-teel-boo-deh ehr SKRIFT-lee

Yes, depending on context.

Possible alternatives include:

• Tilbudet er skriftlig. = The offer is in writing.
• Lånetilbudet foreligger skriftlig. = a more formal way to say The loan offer is available in writing / exists in written form
• Lånetilbudet er gitt skriftlig. = The loan offer has been given in writing

But Lånetilbudet er skriftlig is already a natural and clear sentence, especially in formal or administrative contexts.

Yes, it sounds fairly formal or administrative.

Both lånetilbud and skriftlig are words you would often see in:

• banking
• contracts
• official communication
• customer service
• legal or financial texts

In everyday casual conversation, people might still say it, but the sentence naturally fits a more official setting.