Jyske Realkredit: contribution rates and fees 2026
- Group
- the Jyske Bank group
- Arranged by
- Loans are arranged by Jyske Bank.
- Website
- www.jyskerealkredit.dk
- Bond prices
- Jyske Realkredit price list
Owner-occupied home: contribution rates
Contribution in % per year of the outstanding debt per loan-to-value band.
| Loan type | 0–40% | 40–60% | 60–80% | Weighted 0–80% |
|---|---|---|---|---|
| Fixed rate | 0.225% | 0.80% | 1.00% | 0.5625% |
| Short rate (F-kort) | 0.375% | 0.95% | 1.30% | 0.75% |
| F1 (rate reset yearly) | 0.375% | 0.95% | 1.30% | 0.75% |
| F3 (rate reset every 3 years) | 0.575% | 1.15% | 1.40% | 0.925% |
| F5 (rate reset every 5 years) | 0.425% | 1.00% | 1.25% | 0.775% |
Source: price list (jyskebank.dk) · valid from 1 October 2026 · checked 8 October 2026
Interest-only surcharge
| Loan type | 0–40% | 40–60% | 60–80% |
|---|---|---|---|
| Fixed rate | 0.00% | 0.00% | 0.62% |
| Variable rate | 0.15% | 0.15% | 0.62% |
| Exception: Short rate (F-kort) | 0.00% | 0.00% | 0.62% |
| Exception: F5 (rate reset every 5 years) | 0.00% | 0.00% | 0.62% |
Source: price list (jyskebank.dk) · valid from 1 October 2026 · checked 8 October 2026
- Short rate = Jyske Frihed: the rate is reset every 3 months, and the loan is always paid out and repaid at a price of 100 (launched 22/4/2026).
- F3 = Jyske Rentetilpasning F2-F4. F5 = Jyske Rentetilpasning F5-F6.
- The contribution fee is at least DKK 900 per year for new loans.
- Jyske Frihed can have an interest-only period of up to 30 years; we only calculate up to 10 years.
Holiday home: contribution rates
Contribution in % per year of the outstanding debt per loan-to-value band.
| Loan type | 0–30% | 30–45% | 45–60% | 60–75% | Weighted 0–75% |
|---|---|---|---|---|---|
| Fixed rate | 0.225% | 0.80% | 1.00% | 1.00% | 0.65% |
| Short rate (F-kort) | 0.375% | 0.95% | 1.30% | 1.80% | 0.96% |
| F1 (rate reset yearly) | 0.375% | 0.95% | 1.30% | 1.80% | 0.96% |
| F3 (rate reset every 3 years) | 0.575% | 1.15% | 1.40% | 1.60% | 1.06% |
| F5 (rate reset every 5 years) | 0.425% | 1.00% | 1.25% | 1.25% | 0.87% |
Source: price list (jyskebank.dk) · valid from 1 October 2026 · checked 8 October 2026
Interest-only surcharge
| Loan type | 0–30% | 30–45% | 45–60% | 60–75% |
|---|---|---|---|---|
| Fixed rate | 0.00% | 0.00% | 0.62% | 1.00% |
| Variable rate | 0.15% | 0.15% | 0.62% | 1.00% |
| Exception: Short rate (F-kort) | 0.00% | 0.00% | 0.62% | 1.00% |
| Exception: F5 (rate reset every 5 years) | 0.00% | 0.00% | 0.62% | 1.00% |
Source: price list (jyskebank.dk) · valid from 1 October 2026 · checked 8 October 2026
- The contribution fee is at least DKK 900 per year for new loans.
Fees
| Loan type | Price deduction at payout | Price deduction at refinancing | Settlement commission | Establishment commission | Repayment |
|---|---|---|---|---|---|
| Fixed rate | 0.20 points | – | 0.15% of the market value | – | – |
| Short rate (F-kort) | 0.00 points | 0.00 points | None | 0.35% | Always repaid at 100 without commission or price premium |
| F1 (rate reset yearly) | 0.00 points | 0.30 points | None | 0.35% | Repaid at market price without commission or price premium |
| F3 (rate reset every 3 years) | 0.20 points | 0.20 points | 0.15% of the market value | – | – |
| F5 (rate reset every 5 years) | 0.20 points | 0.20 points | 0.15% of the market value | – | – |
| Processing fee | DKK 7,500 | Approval costs DKK 7,500 including any fixed-price agreement. |
| Repayment fee | DKK 1,250 | |
| Price premium on buy-back | 0.10 points |
Source: price list (jyskebank.dk) · valid from 1 October 2026 · checked 8 October 2026
Source: supplementary price list · checked 8 October 2026
- Jyske Frihed and F1: an establishment commission of 0.35% of the loan instead of price deduction and settlement commission.
- Price deduction 0.20 points (0.35 outside exchange hours). Refinancing F1-F2: 0.30; F3-F6: 0.20 points.
- Repayment: offer DKK 500 + settlement DKK 750. Price premium 0.10 points when the repayment is offset against a new loan.
- Settlement commission on repayment: 0.15%, min. DKK 160.