---
title: "Prepare for your bank meeting with AI – Danish mortgages explained"
description: "Ask about your Danish mortgage. The AI assistant calculates with realkredit.ai's calculators and gives you questions for the bank – without personal advice."
url: https://realkredit.ai/ai?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Prepare for your bank meeting with AI – Danish mortgages explained

You are chatting with an AI assistant – not a human. It explains and calculates, but does not give personal advice and can make mistakes. The figures come from realkredit.ai's calculators. Do not enter your CPR number or other sensitive information.

The assistant is interactive on the HTML page. It calculates with the same functions as the calculators and gives no personal advice or credit assessment.

## Bank meeting checklist
- [ ] Which loan types can I get with my debt-to-income ratio and loan-to-value – and why?
- [ ] What is the contribution rate on my loan, and how is it calculated (loan-to-value bands, interest-only surcharge, discounts)?
- [ ] What is the total cost over 10 years including all fees – both the institution's and the bank's?
- [ ] Which price is the offer based on, and what does a fixed-price agreement cost?
- [ ] What does the refinancing cost in total, and when will I have earned it back after tax?
- [ ] What happens to my payment if the rate rises by 1, 2 or 3 percentage points?
- [ ] What happens to the payment when the interest-only period ends?
- [ ] What is the APR on the offer, and what assumptions is it based on?
- [ ] Which fees does the bank charge for arranging the loan?
- [ ] Are there discounts – such as KundeKroner – and how long do they apply?
- [ ] Which disposable amount do you require, and what does my budget look like after the loan?
- [ ] Can I move the loan to another institution later – and what does it cost?

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> realkredit.ai provides general information and calculations – not personal, legal or financial advice, and nothing here is legally binding. The figures are indicative and based on your own numbers and the prices we have verified. Always check your loan offer, and talk to your bank, an independent adviser or a lawyer before you decide.

HTML version: https://realkredit.ai/ai?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com