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.
Rising growth in Danish housing debt
At the end of October, Danes’ total housing debt was 3.7 per cent higher than in the same month a year earlier. Both bank loans and mortgage loans are contributing to the rising growth in 2025, which overall remains moderate. This development comes after a period in which Danes cut down their housing debt, driven in part by conversions of mortgage loans prompted rising interest rates. Nationwide, the annual growth in housing debt is approaching the level seen before 2022, though with considerable differences in growth rates across municipalities. In the Capital Region, particularly in Copenhagen and Frederiksberg, the increase in housing debt is higher than the national average.
Households’ overall housing debt has grown by 3.7 per cent over the last year
Note:
The figure shows annual growth in per cent in Danish private customers’ (employees, pensioners, etc.) total housing loans broken down by percentage points contributions from banks and mortgage banks. Bank loans are limited to lending for housing purposes, while mortgage loans represent the total lending from mortgage institutions.