Chapter 1 Scope
Chapter 2 RealCredit Lots
Chapter 3 Examination of real-credit bonds
Chapter 4 Revenge and so on
Chapter 4 a Shonestly covered mortgage bonds and specially covered bonds
Chapter 5 Overhaul
Chapter 6 Appeals
Chapter 7 Penalty
Chapter 8 Entry into force and transitional provisions
Construction of mortgages and mortgage bonds on mortgages etc. 1)
This is an acquaintance on mortgages and mortgage bonds, etc., cf. Law Order no. 1412 by 10. In December 2007, with the changes that follow section 3 of the Act No 219 of 5. April 2008, section 6 of law no. 515 of 17. June 2008 and section 3 of the law no. 517 of 17. June 2008.
§ 1. This law applies to real credit bonds, especially covered mortgage bonds, in particular covered bonds and other securities issued by mortgage payments and mortgages which are granted on the basis of such loans. In addition, the applicable law applies to the issuance of mortgage bonds in the country and mortgages, which are granted on the basis of such loans.
Stk. 2. For foreign credit institutions ' operations, cf. paragraph ONE, TWO. PC alone applies to the section § 2-19 and 34-43. However, for foreign credit institutions that are affiliate with Danish mortgage credit institutions, a section 20 and 21.
Security for mortgages
§ 2. Realcredits are granted against registered pant in real estate by the rules of this chapter. Loans without mortgage on solid property may be granted to public authorities or to the self-debtor guarantee from a public authority referred to in § 152 c (1). 1, no. 3-5, in the Act of Finance.
Stk. 2. Credit loans shall not be granted against collateral in the form of owning letters and indemtees. However, in cases where mortgages are given to the security of mortgages, indemsities may be used for the application of the solution.
Stk. 3. Realmortgmortgmortgmortgmortgmortgmortgmortgingmortgage, cf. paragraph ONE, ONE. point, loans where the pantheon has been reported to be reported if the necessary security for the final state of the panthebank and without undue delay is provided by the end of the end of the pawn letter ; this applies only to : loans granted on the basis of special mortgage bonds covered.
Term and dragprofiles
§ 3. The maximum duration is 30 years, cf. however, paragraph 1 2. For the duration of the loan and the drainage profile, account shall be taken of the expected value degradation of the pan and the credit limits for the panty in force, cf. section 5.
Stk. 2. The maximum maturity age is 35 years for loans for public housing, youth housing and private coddwellings, provided that the loan is based on pledges for support under the law of public housing and supporting private cohabitat housing and so on
§ 4. Loans for full-year use and leisure houses may not be granted regardless of the security location slower than a 30-year loan, which is amortized over the maturity of a service, which is a fixed percentage of the main chair (annuity loan), cf. however, paragraph 2.
Stk. 2. The requirement of paragraph 1 shall be made. 1 may be waisted for a period of up to 10 years under the observation of section 3 (3). 1, 2.
Lock Limits etc.
§ 5. Within a loan limit of 80%. of the property value, loans can be granted to the following property categories :
1) Etenant housing for full-year use.
2) Private and Private Houses.
3) Private residential property for rental, including the housing housing.
4) Alment Housing.
5) Youth housing.
6) Elder housing, etc.
7) Property for social, cultural and educational purposes.
Stk. 2. Within a credit limit of 70% of the property value, loans may be granted to wheeled agricultural and forestry, gardensis; etc.
Stk. 3. Within a loan limit of 60%. of the property value, loans can be granted to the following property categories :
2) Office and business navigendous.
3) Industry and Crafts endous.
4) Collective Energy Utilities.
Stk. 4. Within a loan limit of 40%. of the property value may be granted loans to other properties, including unfounded reasons.
§ 6. Loans can be provided regardless of section 5 the loan limit for the inward of both mortgage and credit institutions as well as the granting of loans. Loans after 1. Act. be measured with a maximum of cash equivalent to the amount of the deposit and the cost of the collection and payment of the loan.
Stk. 2. The granting of a loan shall be granted only under paragraph 1. 1 if the security of the pan-security is not significantly degraded.
Stk. Paragraph 1 shall apply mutatis mums to mortgage credit in another institution where the valuation for the purposes of the measurement of the original loan has been carried out on the basis of approved purchase sums under the rule of law ; housing as well as supported private and residential homes, etc., the housing or the law of housing for the elderly and persons with disabilities.
Stk. 4. The loans granted for the collection of loans in certain non-profit housing departments, cf. law on the reprioritising of certain non-profit areas and so on, unable to pay, due mortgage payments with accrued interest payments form part of the loan measure basis.
Payment against warranty etc.
§ 8. When the conditions for the payment of the loan are fulfilled, loans may be granted, even though the pawn letter has been stapled with prejudice to the prejudice of prejudice, provided that security is provided to ensure that they are complied with ; deleted.