In 59 of the 98 Danish municipalities, fixed rate loans now comprise the majority of homeowners' mortgage loans. That is 35 municipalities more than just a year ago. The development is a result of the decreasing interest rates over the past year, which have increased the Danes' appetite for fixed rate loans in connection with restructuring of existing loans and obtaining new loans. In addition, many have opted to increase their fixed rate loans in connection with a conversion to a lower interest rate. At the national level, however, loans with variable interest rates still dominate with a share of 51.2 per cent of the Danish homeowners' total mortgage loans of kr. 1,691 billion.