Nordic · DKKLoans in Denmark: compare current bank rates
10
institutions
17
products
6.99%
personal from
2.75%
mortgage from
Denmark has one of the world’s most distinctive mortgage systems: realkredit institutions such as Nykredit fund loans by issuing covered bonds, so your mortgage rate directly reflects bond-market pricing, with unusually transparent terms and the option to buy back your own loan at market price.
Denmark keeps the krone (pegged to the euro), so EURIBOR is not the reference. Consumer lending works through banks like Danske Bank, Jyske Bank and Nordea, with a CPR number and Danish income as practical requirements.
Current offers in Denmark
Nykredit
BankDKHome Loan
🏠 Mortgage2.75%
APR from
up to 4.99%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €179/mo · Total: €10,715
at 2.75% APR
Danske Bank
BankDKRealKredit Mortgage
🏠 Mortgage2.99%
APR from
up to 5.49%
Loan Range
kr.300K – kr.12.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €180/mo · Total: €10,779
at 2.99% APR
Nordea
BankDKHome Mortgage
🏠 Mortgage3.15%
APR from
up to 5.25%
Loan Range
kr.200K – kr.8.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €180/mo · Total: €10,821
at 3.15% APR
AL Bank
BankDKBoliglån
🏠 Mortgage3.20%
APR from
up to 5.40%
Loan Range
kr.200K – kr.7.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €181/mo · Total: €10,835
at 3.20% APR
Jyske Bank
BankDKJyskeRealkredit
🏠 Mortgage3.25%
APR from
up to 5.75%
Loan Range
kr.250K – kr.10.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €181/mo · Total: €10,848
at 3.25% APR
Nykredit
BankDKCommercial Real Estate
🏠 Mortgage3.50%
APR from
up to 7.00%
Loan Range
kr.1.0M – kr.100.0M
Term
5 yrs – 25 yrs
Representative Example
kr.10K over 5 yrs = €182/mo · Total: €10,915
at 3.50% APR
Danske Bank
BankDKBusiness Credit Line
🏢 Business Loan4.99%
APR from
up to 9.99%
Loan Range
kr.50K – kr.5.0M
Term
1 yr – 7 yrs
Representative Example
kr.10K over 5 yrs = €189/mo · Total: €11,320
at 4.99% APR
Nordea
BankDKBusiness Loan
🏢 Business Loan5.50%
APR from
up to 11.50%
Loan Range
kr.100K – kr.10.0M
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €191/mo · Total: €11,461
at 5.50% APR
Danske Bank
BankDKFlexLoan Personal
👤 Personal Loan6.99%
APR from
up to 18.49%
Loan Range
kr.15K – kr.600K
Term
1 yr – 12 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,878
at 6.99% APR
AL Bank
BankDKAL Forbrugslån
👤 Personal Loan7.50%
APR from
up to 18.90%
Loan Range
kr.10K – kr.400K
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €200/mo · Total: €12,023
at 7.50% APR
Nordea
BankDKPersonal Loan
👤 Personal Loan7.90%
APR from
up to 19.90%
Loan Range
kr.20K – kr.500K
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €202/mo · Total: €12,137
at 7.90% APR
PFA
InsuranceDKPFA Member Loan
👤 Personal Loan8.00%
APR from
up to 16.00%
Loan Range
kr.20K – kr.300K
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €203/mo · Total: €12,166
at 8.00% APR
Borrowing in Denmark — FAQ
What makes Danish mortgages unique?+
The realkredit system: loans are funded by covered bonds traded in the market, giving transparent pricing and the ability to redeem your loan by buying the underlying bonds — useful when rates rise. Fixed 30-year loans are common.
Does Denmark use the euro or EURIBOR?+
No. Denmark uses the krone under a fixed peg to the euro. Mortgage costs follow Danish covered-bond yields, and short-rate loans reset based on Danish reference rates.
What do I need to borrow in Denmark?+
A CPR number, Danish address and verifiable income are the practical baseline. Banks typically want to see local financial history before extending significant credit.
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