---
title: "Loan types: fixed rate, F-kort, F1, F3 and F5"
description: "The difference between fixed rate, short rate and adjustable-rate loans – and which institutions offer what."
url: https://realkredit.ai/laantyper?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Loan types: fixed rate, F-kort, F1, F3 and F5

## Fixed rate
The rate is fixed for the entire term. Can always be repaid at a price of no more than 100.

- Refinancing: Fixed for the entire term
- Product names: Fast rente (Totalkredit), Obligationslån/Kontantlån (Realkredit Danmark), Fast Rente (Nordea Kredit), Jyske Fast Rente (Jyske Realkredit)

## Short rate (F-kort)
The rate follows short money-market rates and typically changes every 3 or 6 months.

- Refinancing: New rate every 3 year(s)
- Product names: F-kort (Totalkredit), FlexKort (Realkredit Danmark), Kort Rente (Nordea Kredit), Jyske Frihed (Jyske Realkredit – rate reset every 3 months, paid out and repaid at 100)

## F1 (rate reset yearly)
The rate is set for one year at a time at refinancing.

- Refinancing: New rate every 1 year(s)
- Product names: Tilpasningslån F1-F2 (Totalkredit), FlexLån F1-F2 (Realkredit Danmark), Jyske Rentetilpasning F1 (Jyske Realkredit). Nordea Kredit does not offer F1 as a new loan.

## F3 (rate reset every 3 years)
The rate is set for three years at a time at refinancing.

- Refinancing: New rate every 3 year(s)
- Product names: Tilpasningslån F3-F4 (Totalkredit), FlexLån F3-F4 (Realkredit Danmark), F3 (Nordea Kredit), Jyske Rentetilpasning F2-F4 (Jyske Realkredit)

## F5 (rate reset every 5 years)
The rate is set for five years at a time at refinancing.

- Refinancing: New rate every 5 year(s)
- Product names: Tilpasningslån F5-F10 (Totalkredit), FlexLån F5-F10 (Realkredit Danmark), F5 (Nordea Kredit), Jyske Rentetilpasning F5-F6 (Jyske Realkredit)

## Who offers what (owner-occupied home)

| Loan type | Jyske Realkredit | Nordea Kredit | Realkredit Danmark | Totalkredit |
| --- | ---: | ---: | ---: | ---: |
| Fixed rate | ✓ | ✓ | ✓ | ✓ |
| Short rate (F-kort) | ✓ | ✓ | ✓ | ✓ |
| F1 (rate reset yearly) | ✓ | – Nordea Kredit does not offer F1 as a new loan. | ✓ | ✓ |
| F3 (rate reset every 3 years) | ✓ | ✓ | ✓ | ✓ |
| F5 (rate reset every 5 years) | ✓ | ✓ | ✓ | ✓ |

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