Loans

🚗 Car Loan Calculator Calculate monthly payments and total cost of financing a car. Enter car price, down payment, interest rate and loan term to see a full repayment schedule. 🏠 Mortgage Calculator Calculate monthly mortgage payments and see a full 30-year amortization schedule. Enter property price, down payment, interest rate and loan term. 💳 Consumer Loan Calculator Calculate the true cost of a consumer loan. See monthly payments, total interest and a full amortization schedule for personal loans. 🎯 Debt Free Calculator Find out how many months it takes to become debt-free with a fixed monthly payment. See a full repayment schedule showing your path to zero debt. 🏦 Loan Calculator Calculate monthly payments, total interest and see a full amortization schedule for any loan amount, interest rate and term. 🎓 Student Loan Calculator Calculate repayment of your Danish student loan (SU-lån). See monthly payments, total interest and a full amortization schedule.

Calculate your loans and repayment plans in Denmark

Our loan calculators help you gain an overview of what it costs to borrow money in Denmark. Whether you are considering a mortgage, car loan, consumer loan or student loan, you can calculate monthly payments, total costs and APR.

Mortgages and mortgage bonds

In Denmark, most home purchases are financed with a combination of mortgage bonds (up to 80% of the property value) and bank loans (up to 15%). You must contribute at least 5% as a down payment. Our calculators give you an estimate of monthly payments based on interest rate, term and repayment type. Totalkredit, Nykredit and Realkredit Danmark are among the largest mortgage institutions.

Consumer loans and car loans

Consumer loans typically have a higher interest rate than mortgages. APR (annual percentage rate) includes all fees and gives you the real picture of what the loan costs. For car loans, you can choose between bank loans and dealer financing, and it is important to compare APR to find the best offer.

Student loans and SU loans

SU loans have a low interest rate and can be taken during education. Repayment typically starts one year after completing education. Our calculator shows you what your monthly payment will be based on the loan amount and repayment period.

Choose the right repayment strategy

Annuity loans have fixed payments, while serial loans have declining payments over time. Interest-only periods can lower your monthly expense in the short term but increase total costs. Use our calculators to compare different scenarios.

Frequently Asked Questions

What is the difference between mortgage bonds and bank loans?

Mortgage bonds are secured against the property and can cover up to 80% of the home's value with typically lower interest rates. Bank loans cover up to an additional 15% and normally have a higher interest rate. You must provide at least 5% as a down payment.

What is APR and why is it important?

APR (annual percentage rate of charge) shows the total annual cost of a loan, including interest, fees and other expenses. It is the best figure to compare when looking for the cheapest loan, as it gives a more accurate picture than the nominal interest rate alone.

Can I get an interest-only period on my mortgage?

Yes, many mortgage bonds in Denmark offer interest-only periods of up to 10 years. During this period you only pay interest, which lowers your monthly payment. However, you do not reduce the debt, and total costs over the loan term become higher.

What does it cost to borrow 1 million DKK for a house?