Hey Mario! What about doing also a video on the reverse? Selling a house in Denmark in 2025? That would be great! Thanks, super great channel you have, kudos!
Hey Mario, I think it would be great a video that could discuss the pros and cons of bank loan (new products offered by the banks that covers the full debit not only the first 20%) vs realkredit loan and the changes of loan terms (from variable to fix and vice versa). Cheers
Great video - all your materials about housing market in DK are so helpful! :) I have a question: if you have lived in DK for 7 years and have permanent residency and own a property: what happens if you decide to move away for 2-3 years for career opportunity with aim to come back after projects ends? Can you keep your house for unlimited period after moving away or can you be forced to sell it / lose your permanent residency if you de-register ? Thanks
Do you think it makes sense to put a bigger down payment of 25-30% since the interest rates are still not that low and that would also allow for lower monthly payments?
Hi Mario, I have been told that there are loans were you can choose to pay interest only at the beginning and later on the loan. Could you make a video explaining the different types of loans to buy a house in DK, and what would you suggest. Thanks!
Great content as usual Mario I'm wondering why you say that the "off the market" listings are usually better deals? That's something I've also heard. I don't get what would be the benefit for real estate agencies to have listings off the market and sell at a lower price? Their interest is to sell as fast and as high as possible right? So giving less visibility is kind of counter intuitive to me.
Many sellers also prefer to keep the properties offline, for multiple reasons. If it's a sought-after property or place and the agencies have enough buyers around they can move things faster.
How is buying a new property if you already own one? Isn’t that an issue with the max amount you can borrow? Is the bank ok to lend you that much for short term?
you would need to pay a amount up front like 25% of the price or something like that.. they cant borrow you it all and you need to be able to pay back within 3 years the max amount is decided by the value of the old house when it is sold and you have paid what you owe. and your payment from your job (and the payment of 25% up front) they dont give away stuff you cant pay back
In Denmark its the wind there make the weather cold, btw have you ever been on the island Bornholm ?? to see somthing totaly diffrent to the rest of Denmark ( you youtubers there talk about Denmark alwayes forget island Bornholm )
Hola Mario! Estoy por sacar un crédito con mi pareja. Tenemos el 20% de downpayment ahorrado pero no sabemos si elegir entre fixed o variable interest rate de Realkredit. Cómo decidir cuál es mejor opción? Gracias por toda la info!
Hi its very annoying to have music in the background of the video. Especially for people with hearing disability very difficult to understand your english with south american accent. I believe its not possible to disable the music as a viewer. So please do not include it in future videos.
taxes are set from how many live in the kommune so copenhagen it makes little sense no matter if you rent or buy you get much more in other parts of the country in copenhagen you work to have a place to live. in other parts of the country you work to live im so happy i dont live there anymore i get the same and more for under 1/10 of the tax now doesent make much difference in cph if you buy or rent you give 10 x as much as anywhere else in the rest of the country and get less search bolig bobbel if you think your money is save in cph when it comes to houses the marked came close to crashing very few years ago and you could easy loose 1/3 of the value in a year or 2 it happened not long ago i made plenty in a short period in cph, and now is not the time to invest the reason i was able to make alot is because i got something right before the marked became stable after the crash in 2010 the house i sold is up a million sense 2020 and its not going up 1 mil the next 4 year (it will be 6-10% and after tax that is nothing... tax would be around 100.000kr per year today) sense 2010 it is up 4 millions thanks to the crises in 2010 and the house marked that was going bananas right before the tax change in copenhagen this year and that scenario wont play out again, we are back to normal now
Hey Mario! What about doing also a video on the reverse? Selling a house in Denmark in 2025? That would be great! Thanks, super great channel you have, kudos!
Hi Mario, can you please make a video about buying an Andel or fully owned Housing? Especially costs, taxes, pros and cons of both choices. Thanks!
yes I would also like to see that!
Hey Mario, I think it would be great a video that could discuss the pros and cons of bank loan (new products offered by the banks that covers the full debit not only the first 20%) vs realkredit loan and the changes of loan terms (from variable to fix and vice versa). Cheers
I rather not have a bank loan as it's quite expensive, and what type of loan it will depend on what type of risk you prefer to have
Great video - all your materials about housing market in DK are so helpful! :) I have a question: if you have lived in DK for 7 years and have permanent residency and own a property: what happens if you decide to move away for 2-3 years for career opportunity with aim to come back after projects ends? Can you keep your house for unlimited period after moving away or can you be forced to sell it / lose your permanent residency if you de-register ? Thanks
Do you think it makes sense to put a bigger down payment of 25-30% since the interest rates are still not that low and that would also allow for lower monthly payments?
Yes
Hi Mario, I have been told that there are loans were you can choose to pay interest only at the beginning and later on the loan. Could you make a video explaining the different types of loans to buy a house in DK, and what would you suggest. Thanks!
I made a video about that already, search for it :D
Great content as usual Mario
I'm wondering why you say that the "off the market" listings are usually better deals? That's something I've also heard.
I don't get what would be the benefit for real estate agencies to have listings off the market and sell at a lower price?
Their interest is to sell as fast and as high as possible right? So giving less visibility is kind of counter intuitive to me.
Many sellers also prefer to keep the properties offline, for multiple reasons. If it's a sought-after property or place and the agencies have enough buyers around they can move things faster.
How is buying a new property if you already own one? Isn’t that an issue with the max amount you can borrow? Is the bank ok to lend you that much for short term?
Banks will make the mortgage conditional you sell your current place after max 1 year
@@MarioScianHQ that depends where you live 🤣
you would need to pay a amount up front like 25% of the price or something like that..
they cant borrow you it all
and you need to be able to pay back within 3 years
the max amount is decided by the value of the old house when it is sold and you have paid what you owe.
and your payment from your job (and the payment of 25% up front)
they dont give away stuff you cant pay back
In Denmark its the wind there make the weather cold, btw have you ever been on the island Bornholm ?? to see somthing totaly diffrent to the rest of Denmark ( you youtubers there talk about Denmark alwayes forget island Bornholm )
I love Bornholm
Hola Mario! Estoy por sacar un crédito con mi pareja. Tenemos el 20% de downpayment ahorrado pero no sabemos si elegir entre fixed o variable interest rate de Realkredit. Cómo decidir cuál es mejor opción? Gracias por toda la info!
Para mi depende de cuanta hipoteca saquen - por 2-3 millones quizás iría por variable pero por más iría fixed por el tail risk
@@MarioScianHQ gracias :)
Hola Mario en tu opinion cuales son los 3 mejores barrios de Copenhagen? Gracias de antemano!!!
Depende para que - single, con chicos, para trabajar, etc. :) Pero me gusta estar central a mi
You have to live in Denmark in order to buy a house here. If you're a foreigner, you can not.
Yes you can. If you're EU you can. If you're not EU you can apply for (an easy to get) permit. Summer houses is more complicated.
@@MarioScianHQcan you please specify which permit exactly or application Non EU can apply?
Hi its very annoying to have music in the background of the video. Especially for people with hearing disability very difficult to understand your english with south american accent. I believe its not possible to disable the music as a viewer. So please do not include it in future videos.
I'm sorry you don't like the music and you can't understand me well. You can turn on transcripts and just read what I say along the way.
taxes are set from how many live in the kommune
so copenhagen it makes little sense no matter if you rent or buy
you get much more in other parts of the country
in copenhagen you work to have a place to live.
in other parts of the country you work to live
im so happy i dont live there anymore
i get the same and more for under 1/10 of the tax now
doesent make much difference in cph if you buy or rent
you give 10 x as much as anywhere else in the rest of the country
and get less
search bolig bobbel if you think your money is save in cph when it comes to houses
the marked came close to crashing very few years ago
and you could easy loose 1/3 of the value in a year or 2
it happened not long ago
i made plenty in a short period in cph, and now is not the time to invest
the reason i was able to make alot is because i got something right before the marked became stable after the crash in 2010
the house i sold is up a million sense 2020 and its not going up 1 mil the next 4 year
(it will be 6-10% and after tax that is nothing... tax would be around 100.000kr per year today)
sense 2010 it is up 4 millions thanks to the crises in 2010 and the house marked that was going bananas right before the tax change in copenhagen this year
and that scenario wont play out again, we are back to normal now
That is mostly completely false
People love living in the big cities