Rådighedsbeløb (disposable income)

Rådighedsbeløb is the money left each month after all fixed costs and the housing payment, meant to cover food, clothing, transport and the unexpected. The bank checks it in the affordability assessment, and there is no legal floor, so it varies by bank.

The amount is counted after tax and after the housing payment, not before. It is the real room you have to live on.

A common rule of thumb is around 5,000 to 6,000 kr. for a single person and around 8,500 to 10,000 kr. for a couple, plus about 2,500 kr. per child. These figures are indicative, not a fixed rule, and each bank sets its own level.

A low disposable income can make the bank refuse the loan even when the price itself is within the lending limits. That makes it as important as the down payment and the loan-to-value ratio.

To strengthen your disposable income, it helps to pay down other debt (car loans, consumer loans) before applying for a home loan.