Can I use a loan to pay my property taxes?
If you have turned 65 or receive social pension, part pension or voluntary early retirement pension you can borrow money from the City of Copenhagen for payment of your property tax.
That means that you can ’freeze’ your property tax. The City of Copenhagen accepts your property as security.
Applying for a loan
At borger.dk you can apply for a loan. The website is in Danish, and don't use the browser Chrome. Press the green button with 'Du skal først logge ind her' to log on, and then choose your municipality.
Read more about how to get a NemID at How do I get a NemID?
Before applying for a loan, you and your spouse must meet certain conditions. You must:
- own a property which you use for housing or leisure.
- have a permanent address in Denmark.
- have turned 65 or receive social pension, part pension or voluntary early retirement pension.
- And there must be home equity in the property at the time of the latest public assessment.
You can only apply for a property tax loan for one property.
The amount carries an annual interest and is repaid when the property is sold.
Every year before 1st of March, the City of Copenhagen will inform you of your total outstanding debt. You pay your debt on borger.dk.
The website is in Danish, and you log on by clicking "log på".
If you want to know more regarding how to repay your debt to the City of Copenhagen, you can read more at How do I pay a debt to the City of Copenhagen?