[vachi]

The key term here is Danes, not residents of Denmark, but individuals who are born or naturalized Danes, even many of the naturalized ones do not get the same rates. By default Danes get ~5% downpayment where none Danes get ~40%.... yay

[jopsen]

Well, given that the interest rates are negative, it's kind of hard to tell if 5% downpayment is better than 40% downpayment..

Afaik, the norm is 20% down, but the banks will loan you another 15% at a higher rate if you want that.

[paozac]

Indeed, if you're a foreigner the conditions are far worse: higher interest rate, higher downpayment e lower loan amount.

[SebastianKumor]

Not true, my friend(who is not a danish citizen) bought a flat in copenhagen and got 5% downpayment