---
title: "How much home can I afford? House, flat or holiday home"
description: "Find the highest home price based on your income, savings and debt – with down payment, debt-to-income ratio, disposable income and the Danish FSA's growth-area guidance."
url: https://realkredit.ai/beregn/hvad-kan-jeg-koebe-for?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# How much home can I afford? House, flat or holiday home

Find the highest home price at which your savings, debt and disposable income add up. We test four requirements and show which one limits you the most.

The calculator is interactive on the HTML page. All inputs are kept in the address, so a result can be shared.

## How we calculate
- You must pay at least 5% of the price yourself. A mortgage covers up to 80% (75% for holiday homes), and the rest is a bank loan.
- The debt-to-income ratio is all debt divided by the household's total gross income.
- The disposable amount is what is left after housing costs after tax, running costs and other debt.
- Purchase costs (deed, mortgage registration, fees, buyer's adviser) are paid from savings.

Full method: https://realkredit.ai/metode?lang=en

## Questions for your bank meeting
- Which loan types can I get with my debt-to-income ratio and loan-to-value – and why?
- Which disposable amount do you require, and what does my budget look like after the loan?
- What is the total cost over 10 years including all fees – both the institution's and the bank's?
- 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?

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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/beregn/hvad-kan-jeg-koebe-for?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com