Financing analysis acts as supporting context for a valuation: a model that shows what a specific property means for your finances under Danish financing rules.
Danish-regulated calculations
The model takes into account the frameworks that actually apply in Denmark:
- Loan-to-value (LTV): Typically 25–35% equity for commercial rental (per the Danish FSA, Finanstilsynet).
- Amortisation profile: Up to 30-year terms for residential, 20 years for commercial.
- Maintenance: At least 1–2% of the property value set aside for maintenance.
- Cash flow: Positive cash flow after debt service is required.
Context for the valuation
See the effect on cash flow, DSCR and return on equity — not as a standalone spreadsheet, but linked to the register-based valuation of the specific property. This makes financing part of the decision basis rather than a separate track.