---
title: "Realkredit Danmark: contribution rates and fees 2026"
description: "Verified contribution rates, interest-only surcharges and fees at Realkredit Danmark – with source and date."
url: https://realkredit.ai/institutter/realkredit-danmark?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Realkredit Danmark: contribution rates and fees 2026

- Group: the Danske Bank group
- Arranged by: Loans are arranged by Danske Bank and Realkredit Danmark.
- Website: https://rd.dk
- Bond prices: https://rd.dk/kurser-og-renter

## Owner-occupied home: contribution rates

| Loan type | 0–40% | 40–60% | 60–80% | Weighted 0–80% |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | 0.206% | 0.618% | 1.012% | 0.5105% |
| Short rate (F-kort) | 0.35% | 1.00% | 1.5252% | 0.8063% |
| F1 (rate reset yearly) | 0.63% | 1.09% | 1.54% | 0.9725% |
| F3 (rate reset every 3 years) | 0.58% | 1.04% | 1.49% | 0.9225% |
| F5 (rate reset every 5 years) | 0.38% | 0.84% | 1.29% | 0.7225% |

Source: [price list](https://rd.dk/PDF/Privat/Prisblad-privat.pdf) · valid from 23 September 2026 · checked 8 October 2026

### Interest-only surcharge

| Loan type | 0–40% | 40–60% | 60–80% |
| --- | ---: | ---: | ---: |
| Fixed rate | 0.00% | 0.00% | 0.80% |
| Variable rate | 0.00% | 0.00% | 0.80% |

- The rates assume monthly payments. With quarterly payments, 0.05 percentage points are added.
- Fixed rate = Obligationslån and Kontantlån. Short rate = FlexKort. F1/F3/F5 = FlexLån F1-F2/F3-F4/F5-F10.
- FlexLife has its own rates and is not included here.

## Holiday home: contribution rates

| Loan type | 0–30% | 30–55% | 55–75% | Weighted 0–75% |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | 0.206% | 0.618% | 1.012% | 0.5583% |
| Short rate (F-kort) | 0.35% | 1.00% | 1.5252% | 0.8801% |
| F1 (rate reset yearly) | 0.63% | 1.09% | 1.54% | 1.026% |
| F3 (rate reset every 3 years) | 0.58% | 1.04% | 1.49% | 0.976% |
| F5 (rate reset every 5 years) | 0.38% | 0.84% | 1.29% | 0.776% |

Source: [price list](https://rd.dk/PDF/Privat/Prisblad-privat.pdf) · valid from 23 September 2026 · checked 8 October 2026

### Interest-only surcharge

| Loan type | 0–30% | 30–55% | 55–75% |
| --- | ---: | ---: | ---: |
| Fixed rate | 0.00% | 0.00% | 0.80% |
| Variable rate | 0.00% | 0.00% | 0.80% |

- The rates assume monthly payments. With quarterly payments, 0.05 percentage points are added.

## Fees

| Loan type | Price deduction payout | Price deduction refinancing | Settlement commission | Establishment commission |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | 0.25 points | – | 0.15% of the market value, min. DKK 175 | – |
| Short rate (F-kort) | 0.25 points | 0.30 points | 0.15% of the market value, min. DKK 175 | – |
| F1 (rate reset yearly) | 0.25 points | 0.30 points | 0.15% of the market value, min. DKK 175 | – |
| F3 (rate reset every 3 years) | 0.25 points | 0.30 points | 0.15% of the market value, min. DKK 175 | – |
| F5 (rate reset every 5 years) | 0.25 points | 0.30 points | 0.15% of the market value, min. DKK 175 | – |

- Processing fee: DKK 8,000 – Loan processing fee DKK 4,000 per loan + handling fee DKK 4,000 per property case.
- Repayment fee: DKK 950
- Price premium on buy-back: 0.25 points
- The price deduction on refinancing is 0.25 points with a fixed-price agreement.
- Repayment: redemption offer DKK 200 + early repayment DKK 750.

Source: [price list](https://rd.dk/PDF/Privat/Prisblad-privat.pdf) · valid from 23 September 2026 · checked 8 October 2026

---

> 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/institutter/realkredit-danmark?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com