Startlån

Startlån is a municipal loan program in Denmark designed to help households, especially first-time buyers and those with low income or limited access to private mortgage financing, purchase a primary residence. The program is administered by the municipalities and financed through national housing funds. Terms and conditions are determined by the issuing municipality and can vary.

Applicants apply through their local municipal housing office. Eligibility generally includes the intention to occupy the home as the primary residence and the need for financial assistance to obtain financing on the private market. The loan is usually used together with a regular mortgage and may cover part of the purchase price or related costs. The loan is secured by a mortgage on the property.

Terms often include a below-market interest rate, a long repayment period, and conditions tied to living in the home. Repayment is typically triggered by events such as sale of the property, relocation, or the end of the loan term. Some municipalities may require the recipient to remain in the dwelling for a minimum period to retain ownership rights.

Startlån is intended to supplement other housing assistance and is part of Danish efforts to improve access to home ownership for households with limited means. Because conditions differ by municipality, prospective applicants should contact their local housing office to obtain precise terms and application procedures.