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.
- You can buy for up to
- DKK 4,280,000
What limits you the most: Debt-to-income ratio
Your total debt must not exceed the debt-to-income ratio you chose times the household's gross income.
Net income is an estimate under the 2026 tax rules without pension or deductions. Use your payslip for an exact figure.
What we have assumed
- Affordability is tested with a fixed rate of 4.16% + contribution fee 0.65% and repayments over 30 years – even if you choose a variable rate.
- Bank loan: 6% over 20 years (assumption – use the bank's offer).
- Debt-to-income ratio at most 4 (banks' typical practice – not a legal rule).
- Running costs and the disposable amount are default figures that you can change.
- The down payment and purchase costs are paid from your savings.
Highest price under each requirement
| Savings (down payment) | DKK 5,450,000 |
|---|---|
| Debt-to-income ratio | DKK 4,280,000 |
| Disposable amount | DKK 7,740,000 |
Financing at DKK 4,280,000
| Mortgage (principal) | DKK 3,424,000 |
|---|---|
| Mortgage (paid out) | DKK 3,411,588 |
| Bank loan | DKK 570,990 |
| Own down payment | DKK 297,422 |
Purchase costs
| Deed registration | DKK 27,530 |
|---|---|
| Mortgage registration – mortgage | DKK 44,625 |
| Mortgage registration – bank | DKK 8,963 |
| Mortgage institution fees | DKK 5,750 |
| Bank arrangement fee | DKK 5,710 |
| Buyer's adviser | DKK 10,000 |
| Total | DKK 102,578 |
Monthly budget
| Net income | DKK 54,177 |
|---|---|
| Mortgage payment | DKK 18,504 |
| Bank loan payment | DKK 4,091 |
| Tax relief | DKK -4,776 |
| Housing cost after tax | DKK 17,819 |
| Running costs | DKK 4,997 |
| Other debt | DKK 0 |
| Disposable amount left | DKK 31,361 |
| Required disposable amount | DKK 12,500 |
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.
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?
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.