## Denmark: Financial Sector Assessment Program: Technical Note: The Danish Mortgage Market: A Comparative Analysis

_IMF Staff Country Reports, March 23, 2007_

## Source details

**Canonical URL:** [Denmark: Financial Sector Assessment Program: Technical Note: The Danish Mortgage Market: A Comparative Analysis](https://www.imf.org/en/publications/cr/issues/2016/12/31/denmark-financial-sector-assessment-program-technical-note-the-danish-mortgage-market-a-20599)

## Other formats

- [Markdown version](/en/publications/cr/issues/2016/12/31/denmark-financial-sector-assessment-program-technical-note-the-danish-mortgage-market-a-20599/index.md)
- [Structured JSON version](/en/publications/cr/issues/2016/12/31/denmark-financial-sector-assessment-program-technical-note-the-danish-mortgage-market-a-20599/index.json)
- [Bundle manifest](/en/publications/cr/issues/2016/12/31/denmark-financial-sector-assessment-program-technical-note-the-danish-mortgage-market-a-20599/bundle-manifest.json)

## Bibliographic details
- Published: March 23, 2007
- Series: IMF Staff Country Reports
- DOI: https://doi.org/10.5089/9781451811209.002

---

### Scope and purpose
- Presents a comparative analysis of the Danish Mortgage Market.
- Discusses the particularities of the regulatory framework of the Danish mortgage system.
- Compares and contrasts mortgage financing in Denmark and in other European countries, examining both:
  - the product side, and
  - the funding side.
- Elaborates recent European regulatory evolutions that could have potentially far-reaching consequences for the Danish mortgage system.
- Highlights the challenges faced by the Danish mortgage system.

### Major analytical themes covered
- Regulatory framework specifics of the Danish mortgage system.
- Mortgage product structures in Denmark versus other European countries (fixed-rate mortgage and other mortgage products noted in keywords).
- Funding and investor base for Danish mortgage banks, mortgage bonds, and covered bonds.
- Interaction between mortgage bank capital base, credit institutions, and investor demand.
- Implications of recent European regulatory changes for mortgage registration, mortgage bond structures, and covered bonds.
- Challenges for mortgage borrowers and the mortgage system more broadly.

### Keywords and subjects (as listed)
- Subjects: Bonds, Covered bonds, Credit, Financial institutions, Loans, Money, Mortgages
- Keywords: Bonds, capital base, Covered bonds, CR, Credit, credit institution, Europe, fixed-rate mortgage, investor base, ISCR, Loans, mortgage bank, mortgage bond, mortgage borrower, mortgage product, mortgage registration, mortgage system, Mortgages

---

## Content in this bundle

- **_cr07123**
  - [_cr07123 (Markdown version)](/-/media/websites/imf/imported-full-text-pdf/external/pubs/ft/scr/2007/_cr07123.pdf.md){rel="alternate" type="text/markdown"}
  - [_cr07123 (PDF)](/-/media/websites/imf/imported-full-text-pdf/external/pubs/ft/scr/2007/_cr07123.pdf){rel="external" type="application/pdf"}

---

_Source: https://www.imf.org/en/publications/cr/issues/2016/12/31/denmark-financial-sector-assessment-program-technical-note-the-danish-mortgage-market-a-20599_