Denmark Mortgage Calculator
Your loan
Pre-filled estimate: central-bank rate 2,10% plus a typical lender margin. Replace it with your lender's offer.
- Principal & interest12.957 kr.
Upfront costs
- Down payment150.000 kr.
- Registration fees%18.000 kr.
- Cash needed at purchase168.000 kr.
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Your rate is fixed for the whole term, so market moves won't change your payment. Choose a variable or fixed-period loan above to see the effect — or use this to judge whether refinancing could pay off.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in Denmark
Monthly averages. Sources: Bank for International Settlements
Shows the central-bank policy rate. Mortgage rates are usually higher.
Buying a home in Denmark: rules and costs
- Mortgage-credit loans (realkredit) are funded by bonds and cover up to 80% of the value; a bank loan can cover up to 95%.
- Buyers must pay at least 5% themselves; title registration costs a fixed fee plus 0.6% of the price.
- 30-year fixed-rate loans can be repaid at par or bought back at market price when rates rise.
Sources: Danmarks Nationalbank · Rules last reviewed 2026-10.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Denmark?
Denmark does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a 2.850.000 kr. loan over 30 years, going from 3,60% to 4,60% raises the monthly payment from 12.957 kr. to 14.610 kr. — about 1.653 kr. more each month.
What upfront costs should I budget for in Denmark?
On a 3.000.000 kr. purchase, expect about 18.000 kr. in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.