Recently, Danmarks Nationalbank cut interest rates by 0.1%, and this has allowed banks to reassess their interest rates. It has also seriously opened up the debate about whether private customers should pay to have money in the bank.
Most other customers could breathe relief
Good Finance Bank opened for ballet and announced that the bank would charge 0.65% interest from customers who have more than 7.5 million standing in the bank. And then most other customers could breathe relief. Right up to Danmarks Nationalbank lowered the interest rate by 0.1%, because now the limit was lowered to DKK 750,000.
Then the other bank executives dared to get out of the bush, and several have already announced that they too will charge interest from deposit customers.
When mortgage banks calculate differential interest rates
banks calculate differential interest rates” />
But it is actually not new at all to pay to have money standing. When mortgage banks calculate differential interest rates, it has been for several years that, in addition to the bond rate to the bond owner, one has to pay either 0.95% or 1.15% to the mortgage institution.
This has been changed with the Nationalbank’s interest rate cut. Realkredit Danmark has changed the interest rate to minus 1.25% and today Nykredit / Totalkredit has chosen to lower the interest rate from minus 0.95% to minus 1.25%. Thus, they have lowered interest rates by 0.3% instead of 0.1%.
And why are they so? For the simple reason that they CAN
After all, the homeowners cannot immediately repay their Total Credit Loans elsewhere. So Nykredit / Totalkredit has simply decided that they will earn 31.61% more on loan repayments.
We have not yet heard of Goodbank and Good Finance Realkredit lowering their interbank rate. The figures show how much you have to pay in addition to the bond interest to the bond owner.