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Boliglån - Your Europe
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type="text/css" href="/youreurope/citizens/stylesheets/europa-ye-V2.css"> <title>Boliglån - Your Europe</title> </head> <body> <div id="ye-navigation-field"></div> <header id="site-header"> <section id="ye-top-header" class="container"><a id="ye-logo" href="https://europa.eu/youreurope/index_da.htm"><img lang="en" title="Your Europe" alt="Your Europe" src="/youreurope/citizens/images/logos/youreurope-logo.svg"></a><div> <div id="ye-languages-widget" class="centered"><button id="ye-languages-toggle"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-ec-icons.svg#language"></use></svg><span>da</span>Dansk</button><div id="ye-languages-menu" role="dialog" class=""> <div> <div> <div> <div lang="en">Available languages</div><button id="close-ye-languages-menu" class="close-btn" title="Luk menu"><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#close-filled"></use></svg><span>Luk 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href="https://europa.eu/youreurope/citizens/travel/carry/alcohol-tobacco-cash/index_da.htm">Alkohol, tobak og punktafgifter</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/carrying-cash/index_da.htm">Regler om at tage likvide midler med ind i og ud af EU og rejse med kontanter i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/pets-and-other-animals/index_da.htm">Rejser med kæledyr og andre dyr i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/luggage-restrictions/index_da.htm">Bagagerestriktioner</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/meat-dairy-animal/index_da.htm">Medbringelse af animalske produkter, fødevarer eller planter</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/carry/using-euro/index_da.htm">Brug af euroen</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/index_da.htm">Sikkerhed og nødsituationer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/airport-airline-security/index_da.htm">Sikkerhed i lufthavne og i fly</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency/index_da.htm">Nødsituationer</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/security-and-emergencies/emergency-assistance-vehicles-ecall/index_da.htm">eCall – 112-baseret nødopkald fra din bil</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/travel/holidays/index_da.htm">Pakkerejser og timeshare<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/timeshare/index_da.htm">EU – timeshare og andre længerevarende feriekontrakter i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/travel/holidays/package-travel/index_da.htm">Pakkerejser og sammensatte rejsearrangementer</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/index_da.htm">Arbejde og pensionering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/work-abroad/index_da.htm">Arbejde i udlandet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/cross-border-commuters/index_da.htm">Grænsependlere</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/equal-treatment-with-nationals/index_da.htm">Ligebehandling på arbejdspladsen</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/posted-workers/index_da.htm">Udstationering</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-in-public-sector-abroad/index_da.htm">Arbejde i den offentlige sektor i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/work-permits/index_da.htm">Arbejdstilladelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/employment-contracts/index_da.htm">Ansættelseskontrakter</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/rules-working-road-transport/index_da.htm">EU-regler for arbejde inden for vejtransport</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/work-abroad/liability-insurance/index_da.htm">Ansvarsforsikring i et andet EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/index_da.htm">Erhvervskvalifikationer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/regulated-professions/index_da.htm">Hvad er et lovreguleret erhverv?</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-permanent-provision-services/index_da.htm">Ansøgning om tilladelse til permanent levering af tjenesteydelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/apply-temporary-provision-services/index_da.htm">Ansøgning om tilladelse til midlertidig levering af tjenesteydelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/professional-bodies-language-requirements/index_da.htm">Dokumenter og formalia</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/european-professional-card/index_da.htm">Det europæiske erhvervspas</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/professional-qualifications/brexit/index_da.htm">EU-UK: erhvervskvalifikationer</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/index_da.htm">Social sikring og sociale ydelser<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security/index_da.htm">Socialsikringssystemer i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/country-coverage/index_da.htm">Social sikring i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/unemployment/index_da.htm">Arbejdsløshed i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/transferring-unemployment-benefits/index_da.htm">Overførsel af dagpenge</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/cannot-find-work-abroad/index_da.htm">Hvis du ikke finder arbejde</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/family-benefits/index_da.htm">Familieydelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/death-grants/index_da.htm">Efterladtepension og begravelseshjælp</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/social-security-and-benefits/social-security-forms/index_da.htm">Standardformularer for sociale sikringsrettigheder</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/index_da.htm">Pension i udlandet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/supplementary-pensions-abroad/index_da.htm">Supplerende pensioner i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/retire-abroad/state-pensions-abroad/index_da.htm">Statspension i udlandet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/work/taxes/index_da.htm">Skat<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/income-taxes-abroad/index_da.htm">Indkomstskat i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/work/taxes/double-taxation/index_da.htm">Dobbeltbeskatning</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/index_da.htm">Køretøjer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/cars/index_da.htm">Personbiler<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/buying-leasing-car-abroad/index_da.htm">Køb og leasing af bil</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/vat-buying-selling-cars/index_da.htm">Moms ved køb eller salg af bil</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/cars/company-cars/index_da.htm">Firmabiler</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/index_da.htm">Kørekort<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-exchange-recognition/index_da.htm">Ombytning og anerkendelse af kørekort i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/get-driving-licence/index_da.htm">Sådan får du et kørekort i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/driving-licence/driving-licence-renewal/index_da.htm">Fornyelse af kørekort i et andet EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/index_da.htm">Forsikring<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/validity/index_da.htm">Bilforsikringers dækning i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/insurance/accident/index_da.htm">Bilforsikringers dækning i udlandet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/vehicles/registration/index_da.htm">Registrering<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/formalities/index_da.htm">Dokumenter og formaliteter ved indregistrering af biler</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/registration-abroad/index_da.htm">Indregistrering af bil i et andet EU-land</a></li> <li><a href="https://europa.eu/youreurope/citizens/vehicles/registration/taxes-abroad/index_da.htm">Bilafgifter i et andet EU-land</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/index_da.htm">Opholdsret<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/index_da.htm">Opholdsret<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/inactive-citizens/index_da.htm">Økonomisk inaktive EU-borgere</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/jobseekers/index_da.htm">Opholdsret for jobsøgende</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/pensioners/index_da.htm">Opholdsret for pensionister</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/students/index_da.htm">Opholdsret for studerende</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/workers/index_da.htm">Arbejdstageres opholdsrettigheder</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/brexit-residence-rights/index_da.htm">Opholdsret for EU-borgere i UK og UK-statsborgere i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/residence-rights/naturalisation/index_da.htm">Naturalisation</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/index_da.htm">Opholdsret for familier<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/eu-wife-husband-children/index_da.htm">Ægtefæller og børn fra EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/non-eu-wife-husband-children/index_da.htm">Ehegatten und Kinder ohne Unionsbürgerschaft</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/partners/index_da.htm">Registrerede partnere</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/parents/index_da.htm">Forældre</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/other-family/index_da.htm">Andre familiemedlemmer</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/family-residence-rights/jobseekers-family/index_da.htm">Jobsøgendes familie</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/index_da.htm">Dokumenter og formaliteter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-family-members-registration/index_da.htm">Registrering af EU-familiemedlemmers tilstedeværelse</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/eu-nationals-permanent-residence/index_da.htm">Permanent opholdstilladelse for EU-borgere efter 5 år</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-permanent-residence/index_da.htm">Permanent opholdstilladelse for familiemedlemmer fra lande uden for EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/non-eu-family-members-residence-card/index_da.htm">Opholdskort til familiemedlemmer fra lande uden for EU </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-residence/index_da.htm">Registrering af ophold i udlandet efter de første 3 måneder</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/reporting-presence/index_da.htm">Registrering af tilstedeværelse i forbindelse med ophold på under 3 måneder </a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/registering-birth/index_da.htm">Registrering af fødsler</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/legal-gender-recognition/index_da.htm">Regler om kønsskifte</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/buying-house/index_da.htm">Køb af hus</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/documents-formalities/deregistering-residence/index_da.htm">Afregistrering af dit ophold</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/index_da.htm">Valg, andragender og høringer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/european-elections/index_da.htm">Valg til Europa-Parlamentet</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/home-country-elections/index_da.htm">Valg i dit hjemland</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/municipal-elections/index_da.htm">Kommunalvalg</a></li> <li><a href="https://europa.eu/youreurope/citizens/residence/elections-abroad/petitions-consultations/index_da.htm">Andragender og høringer</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/index_da.htm">Uddannelse og ungdom<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/school/index_da.htm">Skole<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/school/partner/index_da.htm">Partnerskaber med skoler i andre lande</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/school/enrol/index_da.htm">Skolestart i et andet EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/university/index_da.htm">Universitet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/university/admission-entry-conditions/index_da.htm">Optagelse på og adgang til universitet</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/fees-and-financial-help/index_da.htm">Universitetsgebyrer og økonomisk støtte</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/recognition/index_da.htm">Anerkendelse af eksamensbeviser</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/study-abroad/index_da.htm">Læs i udlandet og legatmuligheder</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/university/working-while-studying/index_da.htm">Studiejob</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/traineeships/index_da.htm">Praktikophold<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/traineeships/financial/index_da.htm">Økonomisk støtte til praktikophold</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/volunteering/index_da.htm">Frivilligt arbejde i og uden for EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/where-to-start/index_da.htm">Sådan kommer du i gang med frivilligt arbejde</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/volunteering/practical-preparations/index_da.htm">rPraktiske forberedelser for frivillige</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/education/research/index_da.htm">Forskere<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/education/research/jobs/index_da.htm">Stipendier og job til forskere</a></li> <li><a href="https://europa.eu/youreurope/citizens/education/research/tax/index_da.htm">Beskatning af forskere</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/index_da.htm">Sundhed<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/index_da.htm">Uforudsete sundhedsydelser<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/going-to-doctor-hospital-abroad/index_da.htm">Lægehjælp og hospitalsindlæggelse i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_da.htm">Uforudset behandling betaling og refusion</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_da.htm">Sygesikring under midlertidige ophold</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_da.htm">Det europæiske sygesikringskort</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/index_da.htm">Planlagt lægebehandling i udlandet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/right-to-treatment/index_da.htm">Sådan arrangerer du planlagt lægebehandling i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/expenses-reimbursements/index_da.htm">Udgifter og refusion: planlagt behandling i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/planned-healthcare/get-more-info/index_da.htm">Kontaktpunkter vedrørende sundhedsydelser i udlandet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/index_da.htm">Hvis du køber lægemidler i et andet EU-land<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/prescriptions/index_da.htm">Brug af recept i et andet EU-land</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/expenses-reimbursements/index_da.htm">Recepter i udlandet: udgifter og refusion</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/prescription-medicine-abroad/buying-medicines-online/index_da.htm">Køb af lægemidler på nettet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/index_da.htm">Sygesikring, når du bor i udlandet<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/health-insurance-cover/index_da.htm">Din sygesikringsdækning</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/residential-care-home/index_da.htm">At flytte til et plejehjem</a></li> <li><a href="https://europa.eu/youreurope/citizens/health/when-living-abroad/preventive-healthcare/index_da.htm">Forebyggende sundhedsydelser</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/index_da.htm">Familie<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/children/index_da.htm">Børn<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/children/parental-responsibility/index_da.htm">Forældreansvar</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/adoption/index_da.htm">Adoption</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/children/abduction/index_da.htm">Bortførelse af børn</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/couple/index_da.htm">Par<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/couple/marriage/index_da.htm">Ægteskab</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/registered-partners/index_da.htm">Registrerede partnerskaber</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/de-facto-unions/index_da.htm">Ugifte par</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/divorce-separation/index_da.htm">Skilsmisse og separation</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/maintenance/index_da.htm">Underholdspligt – støtte til familiemedlemmer</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/property-regimes-international-couples/index_da.htm">Formueforhold for internationale par</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/couple/getting-public-documents-accepted/index_da.htm">Godkendelse af officielle dokumenter i EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/family/inheritances/index_da.htm">Død, hjemtransport og grænseoverskridende arv<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/managing-inheritance/index_da.htm">Behandling af grænseoverskridende arvesager</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/planning-inheritance/index_da.htm">Planlægning af grænseoverskridende arv</a></li> <li><a href="https://europa.eu/youreurope/citizens/family/inheritances/death-repatriation/index_da.htm">Død og hjemtransport</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/index_da.htm">Forbrugere<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/shopping/index_da.htm">Indkøb<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/contract-information/index_da.htm">Oplysninger i aftaler</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_da.htm">Garantier og returnering</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/pricing-payments/index_da.htm">Priser og betalinger</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shipping-delivery/index_da.htm">Forsendelse og levering</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/shopping-consumer-rights/index_da.htm">Dine rettigheder, når du køber varer eller tjenesteydelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/vat/index_da.htm">Moms</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/shopping/product-safety/index_da.htm">Produktsikkerhed</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/index_da.htm">Internet og telekommunikation<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/mobile-roaming-costs/index_da.htm">Roaming: brug af mobiltelefon i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/access-online-content-abroad/index_da.htm"> Adgang til onlineindhold i udlandet</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/telecommunication-services/index_da.htm"> Telekommunikationstjenester</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/internet-access/index_da.htm">Adgang til og brug af internettet</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/internet-telecoms/data-protection-online-privacy/index_da.htm">Databeskyttelse og beskyttelse af personoplysninger på nettet</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_da.htm">Finansielle produkter og tjenesteydelser<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_da.htm">Bankkonti i EU</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_da.htm">Forbrugerkredit og forbrugslån</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/insurance-products/index_da.htm">Forsikringsprodukter</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investment-products/index_da.htm">Investeringsprodukter</a></li> <li class="current"><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/mortgages/index_da.htm"><span><span class="label-end"><span>Boliglån</span><svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#check"></use></svg></span></span></a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/payments-transfers-cheques/index_da.htm">Betalinger, overførsler og checks</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/investments-in-another-eu-country/index_da.htm">Investeringer i et andet EU-land</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/index_da.htm">Urimelig behandling<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-commercial-practices/index_da.htm">Urimelig handelspraksis</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-pricing/index_da.htm">Urimelige priser</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/unfair-treatment/unfair-contract-terms/index_da.htm">Urimelige aftalevilkår</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/index_da.htm">Energiforsyning<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/access-use-energy-services/index_da.htm">Adgang til energiserviceydelser</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/contracts-energy-consumption/index_da.htm">Aftaler og energiforbrug</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/energy-supply/complaints-dispute-resolution/index_da.htm">Klager og konfliktløsning</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/index_da.htm">Bilæggelse af forbrugertvister<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/informal-dispute-resolution/index_da.htm">Uformel konfliktløsning for forbrugere</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/out-of-court-procedures/index_da.htm">Konfliktløsning for forbrugere uden retssag</a></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/consumers-dispute-resolution/formal-legal-actions/index_da.htm">Formelt sagsanlæg for forbrugere</a></li> </ul> </li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/index_da.htm">Forretninger<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/index_da.htm"> Drift af virksomhed<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/developing-business/index_da.htm">Udvikling af en virksomhed<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/tourism/index_da.htm">Drift af virksomhed i turistbranchen</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/emas-registration/index_da.htm">EMAS-registrering</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/merging-businesses/index_da.htm">Fusioner</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/setting-up-european-company/index_da.htm">Stiftelse af et europæisk selskab (SE)</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/free-flow-non-personal-data/index_da.htm">Fri udveksling af andre data end personoplysninger</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/developing-business/investments-other-eu-country/index_da.htm">Forstå grænseoverskridende investeringer i EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/digitalising/index_da.htm"> Digitalisering af din virksomhed<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-business-website/index_da.htm"> Sådan opretter du et website til din virksomhed</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/selling-online-third-party-platforms/index_da.htm"> Onlinesalg via en tredjepartsplatform</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/setting-up-online-shop/index_da.htm"> Sådan opretter du en onlinebutik</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/securing-website/index_da.htm"> Sådan sikrer du dit website</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/deliveries-fulfilment-online-sales/index_da.htm"> Leveringer og ordrebehandlinger ved onlinesalg</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/customer-service-online-businesses/index_da.htm"> Kundeservice for onlinevirksomheder</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/digitalising/promoting-business-online/index_da.htm"> Sådan markedsfører du din virksomhed online</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/index_da.htm">Intellektuelle ejendomsrettigheder<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/rights/index_da.htm">Intellektuelle ejendomsrettigheder</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/patents/index_da.htm">Patenter</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-marks/index_da.htm">Varemærker</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/copyright/index_da.htm">Ophavsret</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/trade-secrets/index_da.htm">Forretningshemmeligheder</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/design-protection/index_da.htm">Designbeskyttelse</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/website-domains/index_da.htm"> Webdomæner</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/database-protection/index_da.htm">Databasebeskyttelse</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/geographical-indications/index_da.htm"> Geografiske betegnelser</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/licensing-selling/index_da.htm">Kommerciel udnyttelse af intellektuel ejendomsret</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/intellectual-property/infringement/index_da.htm">Krænkelse af intellektuelle ejendomsrettigheder</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/running-business/start-ups/index_da.htm">Nye virksomheder<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/starting-business/index_da.htm">Etablering af virksomhed</a></li> <li><a href="https://europa.eu/youreurope/business/running-business/start-ups/erasmus-young-entrepreneurs/index_da.htm">Erasmus for unge iværksættere</a></li> </ul> </li> <li><a href="https://europa.eu/youreurope/business/running-business/eu-support-tools-sme/index_da.htm">EU-støtteværktøjer for SMV'er</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/index_da.htm">Beskatning<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/index_da.htm"> Punktafgifter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/product-excise-duties/index_da.htm">Punktafgiftspligtige varer</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/excise-duties-eu/paying-excise-duties/index_da.htm"> Betaling af punktafgifter</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/vat/index_da.htm"> Moms<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-rules-rates/index_da.htm">Momsregler og -satser</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/charging-deducting-vat/index_da.htm">Opkrævning og fradrag af moms</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-exemptions/index_da.htm">Momsfritagelse</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-refunds/index_da.htm">Momsrefusion: ansøgning om refusion online</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/cross-border-vat/index_da.htm">Moms på tværs af grænserne</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/check-vat-number-vies/index_da.htm">Tjek et momsnummer (VIES)</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/vat/vat-digital-services-moss-scheme/index_da.htm"> Moms på digitale tjenester (MOSS-ordningen)</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/taxation/business-tax/index_da.htm"> Selskabsskat<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/company-tax-eu/index_da.htm"> Selskabsskat i EU</a></li> <li><a href="https://europa.eu/youreurope/business/taxation/business-tax/taxes-parent-companies-subsidiaries/index_da.htm"> Beskatning af moder- og datterselskaber</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/index_da.htm">Salg i EU<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/index_da.htm"> Offentlige kontrakter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/public-tendering-rules/index_da.htm">Offentlige udbudsregler</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/search-bid-public-tender/index_da.htm">Søg efter og byd på en offentlig kontrakt</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/public-contracts/request-review-public-procurement-procedure/index_da.htm">Anmod om en gennemgang af en offentlig udbudsprocedure</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/index_da.htm"> Salg af varer og tjenesteydelser<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/selling-products-eu/index_da.htm">Salg af varer i EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/provide-services-abroad/index_da.htm">Salg af tjenesteydelser i udlandet</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/ecommerce-distance-selling/index_da.htm">E-handel og fjernsalg</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/package-travel/index_da.htm"> Pakkerejser og sammensatte rejsearrangementer</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/selling-goods-services/parcel-services/index_da.htm"> Pakkelevering</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/index_da.htm"> Konkurrence mellem virksomheder<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/competition-rules-eu/index_da.htm">Konkurrencereglerne i EU</a></li> <li><a href="https://europa.eu/youreurope/business/selling-in-eu/competition-between-businesses/anti-competitive-behaviour/index_da.htm"> Indberetning af konkurrencebegrænsende adfærd</a></li> </ul> </li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/index_da.htm">Menneskelige ressourcer<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/index_da.htm">Ansættelseskontrakter<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></a><ul> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/changes-staff-contract/index_da.htm">Ændringer af ansættelseskontrakter</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/employment-terms/index_da.htm">Ansættelsesvilkår</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/fixed-term-work/index_da.htm">Tidsbegrænset ansættelse</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/inform-consult-staff/index_da.htm">Information til og høring af ansatte</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/part-time-work/index_da.htm">Deltidsarbejde</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/redundancies/index_da.htm">Afskedigelser</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/teenage-workers/index_da.htm">Teenageansatte</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/temporary-agency-work/index_da.htm">Vikararbejde</a></li> <li><a href="https://europa.eu/youreurope/business/human-resources/employment-contracts/seasonal-workers-non-eu-countries/index_da.htm">Sæsonarbejdere fra lande uden for EU</a></li> </ul> </li> <li class="group"><a href="https://europa.eu/youreurope/business/human-resources/working-hours-holiday-leave/index_da.htm">Arbejdstid, ferie og orlov<svg focusable="false" aria-hidden="true"> <use 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</ul> </li> <li><a href="https://asf.youreurope.europa.eu/?lang=da" target="_blank">Kontakt vores hjælpetjenester</a></li> <li><a href="https://fosmo.youreurope.europa.eu/?lang=da" target="_blank">Indberet en hindring</a></li> </ul> </nav> <div id="ua-info-menu"> <div id="ua-toggle-btn" class="ye_boxbutton">Ukraine<svg focusable="false" aria-hidden="true"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></div> <div id="ua-toggle-content" class="ye_boxcontent container"> <ul class="ye_list" aria-labelledby="ua-toggle-btn"> <li class="ye_listbylang" lang="ua"> <div id="ua-titlelist_ua" class="ye_title">Допомога ЄС Україні</div> <ul class="ye_links"> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_uk">Інформація для людей з України, що шукають порятунку від війни в Україні</a></li> <li><a hreflang="ua" target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_uk#ref-%D1%8F%D0%BA-%D0%B2%D0%B8-%D0%BC%D0%BE%D0%B6%D0%B5%D1%82%D0%B5-%D0%B4%D0%BE%D0%BF%D0%BE%D0%BC%D0%BE%D0%B3%D1%82%D0%B8">Як Ви можете допомогти</a></li> <li><a hreflang="ua" target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Iнформація для бізнесу</a></li> </ul> </li> <li class="ye_listbylang"> <div id="ua-titlelist_or" class="ye_title">EU-bistand til Ukraine</div> <ul class="ye_links"> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/eu-assistance-ukraine/information-people-fleeing-war-ukraine_da">Information til personer, der flygter fra krigen i Ukraine</a></li> <li><a target="_blank" href="https://commission.europa.eu/strategy-and-policy/priorities-2019-2024/stronger-europe-world/eu-solidarity-ukraine/helping-ukrainians-how-you-can-donate-and-engage_da#s%C3%A5dan-kan-du-hj%C3%A6lpe">Sådan kan du hjælpe</a></li> <li><a target="_blank" href="https://clustercollaboration.eu/content/eu-clusters-supporting-ukraine">Oplysninger til virksomheder</a></li> </ul> </li> </ul> </div> </div> </div> </section> </header> <div id="page-header"> <nav class="container"> <ol id="ye-breadcrumb"> <li><a href="https://europa.eu/youreurope/index_da.htm" lang="en">Your Europe</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li class="ellipsis"><button aria-label="Klik på for at udvide" title="Klik på for at udvide">…</button><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="/youreurope/citizens/index_da.htm">Borgere</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/index_da.htm">Forbrugere</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li><a href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/index_da.htm">Finansielle produkter og tjenesteydelser</a><svg focusable="false" aria-hidden="true" role="presentation"> <use href="/youreurope/citizens/images/ecl/ecl-eu-icons.svg#corner-arrow"></use></svg></li> <li>Boliglån</li> </ol> </nav> </div> <main id="main-content" class="container"> <h1>Boliglån</h1> <div class="row"> <aside> <nav id="in-page-nav"> <div id="in-page-nav-title">På denne side</div> </nav> </aside> <div class="col"> <div id="main-article"> <p>Med et <strong>boliglån</strong> kan du købe et hjem. Boliglån tilbydes af banker, realkreditinstitutioner eller andre långivere, og <strong>der stilles ofte sikkerhed i ejendommen</strong>.</p> <p>Et boliglån har normalt lavere renter og en længere tilbagebetalingstid end <a data-linkid="1b4e8bf8-c5dc-4d4e-bc78-4dfe6f9118f7" href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_da.htm" data-master-href="https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/consumer-credits-and-loans/index_en.htm" title="forbrugslån">forbrugslån</a>. Men hvis du ikke er i stand til at betale lånet tilbage, og der er stillet sikkerhed i din bolig, kan långiveren beslaglægge og videresælge dit hjem for at få tilbagebetalt lånet.</p> <p>Det er op til bankerne, om de vil godkende din ansøgning om boliglån. Inden du tilbydes et lån, skal långiveren vurdere din <strong>kreditværdighed</strong>, altså vurdere om du virkelig har råd til det.</p> <p>Du kan i princippet også få <strong>et boliglån fra en långiver i et andet</strong> <a class="abbr" title="I dette tilfælde alle 27 EU-lande" aria-label="I dette tilfælde alle 27 EU-lande">EU-land</a>. Men dit bopælsland, dit arbejdssted eller ejendommens beliggenhed kan have indflydelse på långiverens vurdering af din ansøgning.</p> <p>Det er derfor vigtigt at forstå, hvordan din kreditværdighed vurderes.</p> <h2>Vurdering af kreditværdigheden</h2> <p>Inden du tilbydes et lån, <strong>skal långiveren vurdere din kreditværdighed</strong>. De vil foretage en vurdering på grundlag af forskellige kriterier som bl.a.:</p> <ul> <li>din økonomiske situation (aktiver, gæld osv.)</li> <li>værdien af den ejendom, der stilles sikkerhed i</li> </ul> <p>Du vil derfor blive bedt om at <strong>oplyse din indkomst</strong>, så långiveren kan undersøge, om du er i stand til at betale lånet tilbage.</p> <p>Långiveren kan også tilbyde dig et boliglån, hvis vurderingen viser, at du sandsynligvis vil være i stand til at tilbagebetale lånet.</p> <p>Långivere <strong>vil ofte ikke yde lån</strong> til ejendomme i udlandet eller til personer, der bor eller arbejder i et andet land end der, hvor banken ligger. Det er dog ikke tilladt at forskelsbehandle EU-borgere alene på baggrund af nationalitet.</p> <p>Hvis du mener, at en bank har forskelsbehandlet dig på grund af din nationalitet, kan du:</p> <ul> <li>kontakte banken (dens klageafdeling) og få en officiel skriftlig begrundelse for dens afvisning</li> <li>hvis afvisningen udelukkende er baseret på din nationalitet, kan du bede om råd og hjælp fra <a href="https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_da" data-master-href="https://finance.ec.europa.eu/consumer-finance-and-payments/retail-financial-services/financial-dispute-resolution-network-fin-net/make-complaint-about-financial-service-provider-another-eea-country_en" data-linkid="ea32ef46-d9a0-4eda-b3ff-cc4cdd5836a0">Fin-Net</a> (klagenetværk for finansielle tjenesteydelser), som mægler i grænseoverskridende tvister mellem forbrugere og udbydere af finansielle tjenester såsom banker</li> </ul> <h2>Nøgleoplysninger til vurdering og sammenligning af tilbud</h2> <p>Det er en god idé at sammenligne tilbud fra forskellige långivere, inden du beslutter dit for et boliglån. Ved fremsætning af et bindende tilbud skal långiveren også give dig <strong>det europæiske standardiserede informationsblad (ESIS)</strong>. Dette standarddokument har til formål at give dig det bedst mulige overblik over vilkår og betingelser i det tilbudte boliglån.</p> <p>ESIS giver følgende oplysninger:</p> <ul> <li>lånets <strong>størrelse</strong></li> <li>lånets <strong>varighed</strong></li> <li>typen af <strong>rente</strong></li> <li>det samlede beløb, der skal tilbagebetales</li> <li>de <strong>årlige omkostninger i procent</strong>: et enkelt beløb, der repræsenterer de samlede omkostninger ved lånet udtrykt i procent pr. år. De årlige omkostninger i procent skal hjælpe dig med at sammenligne forskellige tilbud</li> <li>eventuelle <strong>omkostninger</strong>, der skal betales regelmæssigt eller som et engangsbeløb</li> <li>mængden, hyppigheden og størrelsen af dine <strong>afdrag</strong></li> <li>oplysninger om <strong>vilkårene for førtidig tilbagebetaling</strong> samt afgifter, du skal betale, hvis du vælger at betale lånet tilbage før tid</li> <li><strong>hvis du optager lånet i udlandet</strong>: eksempler, som forklarer mulige konsekvenser af ændringer i vekselkursen for dit boliglån</li> </ul> <p>ESIS giver dig også mulighed for at sammenligne tilbud fra forskellige kreditudbydere og vælge det, der passer dig bedst. Hvis du ikke har modtaget ESIS-formularen fra din långiver, kan du bede om den.</p> <h2>Mindst 7 dage til at overveje tilbuddet eller trække sig</h2> <p>Ifølge EU-reglerne skal långiveren eller kreditformidleren give dig <strong>mindst 7 dage til at overveje tilbuddet</strong>. De nationale regler i nogle EU-lande giver dig længere tid.</p> <p>Alt efter hvilket land du søger om lån i, betyder det enten:</p> <ul> <li>en <strong>betænkningstid</strong>, hvor du kan overveje, om tilbuddet passer til dig</li> <li>en periode, hvor du kan <strong>trække dig</strong> fra den kreditaftale, du allerede har indgået</li> <li>begge dele.</li> </ul> <h2>Førtidig tilbagebetaling af dit boliglån</h2> <p>Du kan normalt tilbagebetale en del af eller hele din gæld før tid. Du kan således stoppe med at betale renter på udstående gæld eller skifte til et mere fordelagtigt tilbud om boliglån, også fra en anden långiver.</p> <p>Det er i dette tilfælde landets egne regler, der bestemmer, om långiveren må bede dig om <strong>kompensation</strong>, hvis du tilbagebetaler lånet tidligere end aftalt.</p> <p>Hvis det er tilfældet, må kompensationen aldrig være større end långiverens økonomiske tab.</p> <h2>Realkreditforsikring og andre tjenesteydelser</h2> <p>Realkreditforsikring bliver relevant, hvis du kommer ud for en situation, hvor du ikke er i stand til at betale din gæld – f.eks. i tilfælde af dødsfald, sygdom eller mistet job.</p> <p><strong>Långivere kan kræve, at du tegner en realkreditforsikring.</strong></p> <p>De kan foreslå dig en forsikring i en pakke sammen med din realkreditaftale, men det må ikke være en betingelse for at få lånet.</p> <p>Det står dig altid <strong>frit for at se efter et bedre tilbud</strong> fra andre forsikringsudbydere, så 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