bankio

Loans

Loans, leasing and property equity

Sophie Mikkelsen

Total outstanding debt

4,763,842 DKK

Monthly payment 14,811 DKK · Leasing 4,595 DKK

Your loans

Mortgage
3.1248%

Mortgage

FlexLån® F5K — Ålandsgade 24, 3. tv.

4,763,842 DKK

Principal 4,850,000 DKK · Realkredit Danmark

Payment
14,811 DKK
Remaining term
29 years 1 months
Type
FlexLån® F5K

Next monthly payment

14,811 DKK

11,226 DKK ofter tax (24.19%)

Principal repayment
0 DKK
Interest cost
12,576 DKK
Administration fee
2,235 DKK
Next payment date
30 Sep 2026
Bond debt
5,218,746 DKK
Cash debt
4,763,842 DKK
Debt statement date
1 Oct 2026
Interest rate
3,1248 %
Administration rate
0,5612 %
Interest-only period
31 Mar 2026 – 31 Mar 2036
Next refinancing
1 Apr 2031
Deadline for changes
31 Jan 2031

The loan is interest-only until 31 Mar 2036 and will be refinanced on 1 Apr 2031. The deadline for changes is 31 Jan 2031 — AI suggests considering a fixed-rate conversion before then.

Leasing

Polestar 4
4,595 DKK/md.

Car lease

Polestar 4

4,595 DKK

monthly lease payment · Santander Consumer Bank

Started
1 May 2026
Term
4 of 36 months
Km/year
15.000
Residual value at expiry400,000 DKK

The lease started on 1 May 2026 — four payments of DKK 4,595 have been made (DKK 18,380 in total). After 36 months, you can extend, lease a new car or buy it at the residual value.

Equity in your properties

Total equity

7,486,158 DKK

Apartment 5,636,158 DKK

Holiday home 1,850,000 DKK

Your property

Ålandsgade 24, 3. tv.

2300 København S · 116 m² · 5 rooms

121%

Estimateed equity

5,636,158 DKK

Estimatee updated Sep 2026

Outstanding debt 4,763,842 DKKValue 10,400,000 DKK

Value growth since 2017

20172026
Purchase price
4,700,000 DKK
Estimate
10,400,000 DKK
Price per m²
89,655 DKK

Your equity has grown 5,700,000 DKK since purchase. AI estimates that you could borrow up to 80% of the value — approximately 3,556,158 DKK more.

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Holiday home · fully paid

Mosevænget 17

4581 Rørvig · 78 m²

Debt-free

Estimateed equity

1,850,000 DKK

Estimatee updated Sep 2026

Outstanding debt 0 DKKValue 1,850,000 DKK

The holiday home is fully paid off — its entire value of 1,850,000 DKK is your equity. It can be used as additional collateral, for example if you want to borrow against the apartment.

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Extra repayments

FlexLån® F5K — Ålandsgade 24, 3. tv.

+1,000 DKK/md.

New term

49 years 3 months

You save

9 years 0 months