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
- www.totalkredit.dk
- Bond prices
- Totalkredit 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 | 0.45% | 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 (totalkredit.dk) · 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% |
Source: price list (totalkredit.dk) · valid from 1 July 2026 · checked 8 October 2026
- 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. Source
Holiday home: contribution rates
Contribution in % per year of the outstanding debt per loan-to-value band.
| 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 (totalkredit.dk) · 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% |
Source: price list (totalkredit.dk) · valid from 1 July 2026 · checked 8 October 2026
- 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. Source
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, 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 |
Source: price list (totalkredit.dk) · valid from 1 July 2026 · checked 8 October 2026
- Settlement commission 0.15% of the market value, min. DKK 150.