Danmarks Nationalbank
Danmarks Nationalbank
10/27/2025 | Press release | Distributed by Public on 10/27/2025 22:52
Homeowners still have negative interest on 40,000 mortgage loans
Statistical News
Banking and mortgage credit
27 October 2025 Statistics period: September 2025
Statistical news focuses on the latest figures and trends in Danmarks Nationalbank's statistics. Statistical news is targeted at people who want quick insight into current financial data.
Homeowners still have negative interest on 40,000 mortgage loans
Although Danes have not been able to take out mortgage loans with negative interest rates since 2022, around 60,000 homeowners still have a negative interest rate on a total of approximately 40,000 mortgage loans. Loans with negative interest account for a little more than 3 percent of homeowners' total mortgage debt. The loans still carry a negative interest rate, averaging -0.12 percent per year (excluding fees), because they have yet to be adjusted after interest rates rose above 0 per cent. Most of the loans with negative interest will be adjusted during 2026. The average interest rate (excluding fees) on homeowners' new mortgage loans disbursed in September was 2.82 percent per year.
Homeowners, loans, and outstanding debt with negative mortgage interest
Note:
End-of September 2025, based on data and information from the Credit Register at the end of 2. quarter 2025. Outstanding debt is stated at nominal value. Homeowners include individuals with mortgage loans classified under "Sector 1430: Employees, pensioners, etc."
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Danmarks Nationalbank published this content on October 27, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on October 28, 2025 at 04:53 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]