Et realkreditlån er en type belåning af fast ejendom, som de fleste danske boligejere benytter sig af ved køb af ejendom. Dette lån adskiller sig fra andre låntyper, idet lånet er sikret ved pant i ejendommen. Dermed løber långiveren en mindre risiko og kan tilbyde låntageren en lavere rente.
Hvordan virker et realkreditlån?
Princippet for et realkreditlån er enkelt: låntageren pantstiller sin ejendom til en realkreditinstitution. Realkreditinstituttet udsteder realkreditobligationer svarende til lånebeløbet, som det derpå sælger til private og institutionelle investorer. Pengene herfra udgør lånet til boligejeren.
Typer af realkreditlån
I Danmark er der typisk fire former for realkreditlån: Fastforrentet lån, variabelt forrentet lån, flexlån og rentetilpasningslån. Valget af lån beror på den enkeltes økonomiske situation og risikoappetit.
Fordele og ulemper ved et realkreditlån
En klar fordel ved realkreditlån er de relativt lave renter sammenlignet med almindelige banklån, specielt ved lange løbetider. Ydermere er der som låntager en vis sikkerhed i, at lånet er beskyttet af en række lovgivningsmæssige krav om god skik og ansvarlig långivning.
En ulempe kan være, at der er omkostninger forbundet med at optage lånet, og det kan være svært at skifte lånetype, hvis økonomiske forhold ændrer sig. Desuden vil en stigning i ejendomspriserne uden tilsvarende stigning i husstandsindkomsten kunne gøre det svært for nogle at betjene realkreditlånet.
Hvordan får man et realkreditlån?
Det første skridt er at finde en realkreditinstitution. Udover traditionelle banker findes der også erhvervspensionskasser, der tilbyder denne type lån, eksempelvis pensam. Efter man er blevet godkendt hos långiveren, skal man indgå en låneaftale og pantbrev, som tinglyses i Tingbogen.
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