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

# Totalkredit: contribution rates and fees 2026

- Group: the Nykredit group
- Arranged by: Loans are arranged by a large number of banks – including Nykredit Bank – which may charge their own fees.
- Website: https://www.totalkredit.dk
- Bond prices: https://www.totalkredit.dk/boliglan/kurser-og-priser/

## Owner-occupied home: contribution rates

| Loan type | 0–40% | 40–60% | 60–80% | Weighted 0–80% |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | 0.45% | 0.85% | 1.20% | 0.7375% |
| Short rate (F-kort) | 0.50% | 1.05% | 1.55% | 0.90% |
| F1 (rate reset yearly) | 0.75% | 1.30% | 1.90% | 1.175% |
| F3 (rate reset every 3 years) | 0.70% | 1.25% | 1.65% | 1.075% |
| F5 (rate reset every 5 years) | 0.50% | 1.05% | 1.45% | 0.875% |

Source: [price list](https://www.totalkredit.dk/siteassets/dokumenter/privat/prisblad/prisblad--privat.pdf) · valid from 1 July 2026 · checked 8 October 2026

### Interest-only surcharge

| Loan type | 0–40% | 40–60% | 60–80% |
| --- | ---: | ---: | ---: |
| Fixed rate | 0.00% | 0.02% | 0.65% |
| Variable rate | 0.10% | 0.15% | 0.65% |

- The F5 rates also apply to RenteMax and F5-F10.
- Plus loans (up to 30 years interest-only, max. 75% loan-to-value) have their own surcharge and are not included here.
- The bank arranging the loan may charge its own fees.
- Interest-only surcharges are the lower rates Totalkredit announced on 10/6/2026 (valid from 1/7/2026). Totalkredit also has an older price list online with the same date but higher surcharges – we do not use it.

**KundeKroner:** Totalkredit states that all private customers with a Totalkredit loan can get a KundeKroner discount of 0.25% of the outstanding debt per year until 31/12/2029. What happens after that has not been decided – we assume 0% from 2030. (https://www.totalkredit.dk/kundekroner/)

## Holiday home: contribution rates

| Loan type | 0–40% | 40–60% | 60–75% | Weighted 0–75% |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | 0.45% | 1.15% | 1.20% | 0.7867% |
| Short rate (F-kort) | 0.53% | 1.40% | 1.55% | 0.966% |
| F1 (rate reset yearly) | 0.82% | 1.65% | 1.90% | 1.2573% |
| F3 (rate reset every 3 years) | 0.73% | 1.55% | 1.65% | 1.1327% |
| F5 (rate reset every 5 years) | 0.53% | 1.35% | 1.45% | 0.9327% |

Source: [price list](https://www.totalkredit.dk/siteassets/dokumenter/privat/prisblad/prisblad--privat.pdf) · valid from 1 July 2026 · checked 8 October 2026

### Interest-only surcharge

| Loan type | 0–40% | 40–60% | 60–75% |
| --- | ---: | ---: | ---: |
| Fixed rate | 0.15% | 0.35% | 0.80% |
| Variable rate | 0.15% | 0.35% | 0.80% |

- The F5 rates also apply to RenteMax and F5-F10.

**KundeKroner:** Totalkredit states that all private customers with a Totalkredit loan can get a KundeKroner discount of 0.25% of the outstanding debt per year until 31/12/2029. What happens after that has not been decided – we assume 0% from 2030. (https://www.totalkredit.dk/kundekroner/)

## Fees

| Loan type | Price deduction payout | Price deduction refinancing | Settlement commission | Establishment commission |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | 0.20 points | – | 0.15% of the market value, min. DKK 150 | – |
| Short rate (F-kort) | 0.20 points | 0.20 points | 0.15% of the market value, min. DKK 150 | – |
| F1 (rate reset yearly) | 0.20 points | 0.30 points | 0.15% of the market value, min. DKK 150 | – |
| F3 (rate reset every 3 years) | 0.20 points | 0.20 points | 0.15% of the market value, min. DKK 150 | – |
| F5 (rate reset every 5 years) | 0.20 points | 0.20 points | 0.15% of the market value, min. DKK 150 | – |

- Processing fee: DKK 4,000 – Loan processing fee of up to DKK 4,000 per loan. The bank may charge its own fees.
- Repayment fee: DKK 750
- Price premium on buy-back: 0.10 points
- Settlement commission 0.15% of the market value, min. DKK 150.

Source: [price list](https://www.totalkredit.dk/siteassets/dokumenter/privat/prisblad/prisblad--privat.pdf) · valid from 1 July 2026 · checked 8 October 2026

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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/institutter/totalkredit?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com