Owner-occupied apartments, terraced houses and detached houses can be purchased. Most detached houses are singlefamily homes which have been built on their own plot of
land. In the larger towns and cities, owner-occupied housing is usually very expensive.
Permission to buy real estate
If you do not reside in Denmark or have not previously lived in the country for a minimum of five years, you will need permission from the Ministry of Justice to purchase an owner-occupied home. You must send an application to the Ministry of Justice, enclosing information about the property you wish to purchase together with a copy of your residence permit.
You can expect to be granted permission if you intend to use the property as your permanent residence. If you are an EU citizen, you can purchase your owner-occupied property without permission from the Ministry of Justice if you intend to use the property as your permanent residence.
Estate agents
Most owner-occupied properties are sold through an estate agent. Check ads in the newspapers, on the Internet, or check with an estate agent in the area where you intend to buy the property.
The estate agent is first and foremost the seller’s representative but can also advise the buyer about his purchase rights.
Always use a lawyer
It is a good idea to use a lawyer. This will ensure that your interests are safeguarded.
Loan - bank or mortgage credit
You can borrow money from a mortgage lender to buy your house or apartment. You can borrow money from a bank to buy your housing society dwelling. The mortgage lender or bank will assess your ability to repay the loan before approving it. It is important that you are employed and earn a regular salary.
