Eligibility for a loan

You are eligible for a loan if:

  • the flat was built and used after 1st of April 1964. However, if you have been referred to senior housing in a social housing organisation by the City of Copenhagen, the year of construction will not be taken into account  

and you either:

  • move to a flat and you have a maximum household income of DKK 246,002 per year (2019). If you have children, the maximum amount is raised by DKK 43,200 per child (2019). However, the amount will be raised for a maximum of four children.

or

  • move to a room and you have a maximum household income of DKK 166,635 per year (2019). If you have children, the maximum amount is raised by DKK 43,200 per child (2019). However, the amount will be raised for a maximum of four children.

If you receive cash benefits, you are likely to meet the financial conditions.

Reasons why you aren't eligible

You are not eligible for a loan if:

  • You have capital. Examples of capital include money in the bank and securities, or if you own a house or a boat
  • Your present flat meets your family's needs according to the evaluation of the City of Copenhagen
  • The flat is too big, compared to the number of persons in your household
  • The rent amounts to more than half of the household income (the City of Copenhagen makes a concrete assessment)
  • You still owe money for a previous loan for a deposit.

The City of Copenhagen will assess you and your spouse's income, your possibilities of raising a loan and any other sources of income you may have before approving the loan.   

Contact information

For more information, you can contact:

Kontor for Ejendomsskat og Boliglån

+45 7080 7037 

Phone hours:

Mondays to Fridays, 09:30 - 14:30 

Processing time

The processing time is approximately 2 weeks.