Realkredit Danmark: contribution rates and fees 2026
- Group
- the Danske Bank group
- Arranged by
- Loans are arranged by Danske Bank and Realkredit Danmark.
- Website
- rd.dk
- Bond prices
- Realkredit Danmark 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 | 0.206% | 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 (rd.dk) · 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% |
Source: price list (rd.dk) · valid from 23 September 2026 · checked 8 October 2026
- 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
Contribution in % per year of the outstanding debt per loan-to-value band.
| 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 (rd.dk) · 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% |
Source: price list (rd.dk) · valid from 23 September 2026 · checked 8 October 2026
- The rates assume monthly payments. With quarterly payments, 0.05 percentage points are added.
Fees
| Loan type | Price deduction at payout | Price deduction at refinancing | Settlement commission | Establishment commission | Repayment |
|---|---|---|---|---|---|
| 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 |
Source: price list (rd.dk) · valid from 23 September 2026 · checked 8 October 2026
- The price deduction on refinancing is 0.25 points with a fixed-price agreement.
- Repayment: redemption offer DKK 200 + early repayment DKK 750.