Egenkapitalen øker; dermed blir lånebeløpet lavt.

Egenkapitalen is the definite form, meaning the equity or the own capital.

In Norwegian, definiteness is often added as a suffix:

• egenkapital = equity / own capital
• egenkapitalen = the equity

So the sentence is talking about a specific equity amount, not equity in general.

Not exactly, but it can overlap depending on context.

Egenkapital literally means equity or own capital. In financial contexts, it refers to money you already have yourself, as opposed to borrowed money.

In a home-buying context, English speakers may sometimes think of it as the buyer’s own contribution or down payment, but equity is the broader and more exact meaning.

Øker is the present tense of å øke, which means to increase.

So:

• å øke = to increase
• øker = increases / is increasing

In Norwegian, the present tense often covers both simple present and present progressive meanings that English separates.

Dermed means something like therefore, thus, as a result, or consequently.

It connects the two ideas:

• the equity increases
• as a result, the loan amount becomes low

It is a fairly common written and formal-neutral connector.

This is because of the Norwegian V2 rule: in a main clause, the finite verb must come in the second position.

Here, dermed is placed first. That means the verb must come next:

• Dermed blir lånebeløpet lavt

Not:

• Dermed lånebeløpet blir lavt

This kind of inversion is very common in Norwegian after adverbs like dermed, da, så, derfor, and similar fronted elements.

Because Norwegian usually forms compound nouns by writing them as one word.

Here:

• lån = loan
• beløp = amount
• lånebeløp = loan amount
• lånebeløpet = the loan amount

This is very typical in Norwegian. Where English often uses two words, Norwegian often uses one compound word.

The ending -et marks the definite singular form of a neuter noun.

The main noun here is beløp, and beløp is neuter:

• et beløp = an amount
• beløpet = the amount

Since lånebeløp is a compound ending in beløp, it keeps the gender of the final part. So:

• et lånebeløp
• lånebeløpet

Because the adjective agrees with the noun it describes.

Here, lånebeløpet is neuter singular, so the predicate adjective takes -t:

• lav = common gender singular
• lavt = neuter singular
• lave = plural

Since beløp is neuter, you get:

• lånebeløpet blir lavt

Blir means becomes, while er means is.

So:

• lånebeløpet er lavt = the loan amount is low
• lånebeløpet blir lavt = the loan amount becomes low

In this sentence, the second situation happens as a result of the first one. That is why blir is a good choice: it shows a change or result.

Lavt means low, while lavere means lower.

The sentence as written says the loan amount becomes low. That is grammatically correct.

However, in many real contexts, lavere may sound more natural if the idea is a comparison with an earlier amount:

• Egenkapitalen øker; dermed blir lånebeløpet lavere.
• The equity increases; therefore the loan amount becomes lower.

So:

• lavt = describes the resulting level
• lavere = explicitly compares it to a previous level

The semicolon connects two closely related independent clauses:

• Egenkapitalen øker
• dermed blir lånebeløpet lavt

It shows a strong connection between the two ideas without using a full stop.

You could also write:

• Egenkapitalen øker. Dermed blir lånebeløpet lavt.

Or even:

• Egenkapitalen øker, og dermed blir lånebeløpet lavt.

The semicolon is just a stylistic punctuation choice.