In April 2023, the average interest rate difference was 1.63 percentage points on new loans with fixed and variable interest rates. The figure applies to the homeowners' new loans paid out in April and is calculated before contributions. This difference was 3.40 percentage points six months ago.

In the 1st quarter of 2023, Danish households received a return of 5.2 per cent before costs in funds that invest in global equities. There was a small difference in returns for active and passive management. The return was 5.1 per cent in actively managed funds, while it was 5.6 per cent in passively managed.

The average annual interest rate on Danish private customers' deposits was 0.69 per cent in March 2023. This is an increase of 0.86 percentage points compared to a year ago and the highest interest rate level since 2015. Even though the interest rates are positive again, private customers will experience that the value of their savings in the bank is eroded due to the high inflation. The increase in consumer prices (inflation) was calculated at 6.7 per cent for March 2023.

In Danmarks Nationalbank's lending survey for the first quarter of 2023, the credit managers in 8 out of the 15 banks report that they have tightened the credit standards for private customers. The tightening is happening at the same time as a large part of the banks are experiencing lower demand for loans from existing private customers. It is still the slowdown in the number of housing transactions that the banks refer to as the primarily reason for the lower demand in the 1st quarter.