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.
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.
New rate every 3 years (assumption in the calculators)
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.
New rate every 1 year
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.
New rate every 3 years
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.
New rate every 5 years
Product names: Tilpasningslån F5-F10 (Totalkredit), FlexLån F5-F10 (Realkredit Danmark), F5 (Nordea Kredit), Jyske Rentetilpasning F5-F6 (Jyske Realkredit)
Who offers what
New loans for owner-occupied homes.
| 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) | ✓ | ✓ | ✓ | ✓ |
Source: Jyske Realkredit – price list · valid from 1 October 2026 · checked 8 October 2026
Source: Nordea Kredit – price list · valid from 23 February 2026 · checked 8 October 2026
Source: Realkredit Danmark – price list · valid from 23 September 2026 · checked 8 October 2026
Source: Totalkredit – price list · valid from 1 July 2026 · checked 8 October 2026
Interest-only periods
With an interest-only period you pay only interest and contribution for up to 10 years. The payment is lower, but the debt does not fall, and the institutions add a surcharge to the contribution – especially for the part of the loan above 60% of the home's value. When the period ends, the payment rises because the loan must be repaid over fewer years.
See the surcharges for each institution under Institutions. Max. loan-to-value: 80% for owner-occupied homes, 75% for holiday homes.