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In forceCredit institutions and mortgage-credit institutions: lending standards (national)Last checked 13 November 2026

Housing loans to borrowers with a high debt-to-income ratio (KGFS)

A regulatory return listed by the Finanstilsynet (Danish Financial Supervisory Authority) (Danish FSA), Denmark.

Reports mortgage lending secured on owner-occupied homes and holiday homes to borrowers with a high debt-to-income ratio, used by Finanstilsynet to monitor household lending risk. Source

Official title: KGFS - Boligudlån for kunder med høj gældsfaktor

The facts

Who files
Danish credit institutions and foreign branches with total owner-occupied/holiday-home mortgage lending (including non-group mortgage-credit loans arranged for customers) above DKK 200 million; mortgage-credit institutions with lending above DKK 200 million (excluding arranged non-group loans). Source
How often
Quarterly, as at 31 March, 30 June, 30 September and 31 December. Source
Deadline
11 February, 12 May, 11 August and 11 November. Source
Format
Web form, Excel, XML. Filed in FIONA Online: typed directly as a web form, pasted from the published Excel template, or uploaded as an XML file matching the published XSD schema. Source
How it is filed
Filing routes recorded for the Danish FSA: FIONA Online; e-Reg (e-Regulatory); Finanstilsynet's self-service portal. See how firms file with the Danish FSA.
Status
In force
Group
Credit institutions and mortgage-credit institutions: lending standards (national)

Templates (3)

The tables and forms inside the return. Plain name first, the Danish FSA's code in brackets.

  • GFNPI (GFNPI)
  • BOBPI (BOBPI)
  • GFNRR (GFNRR)

3 data sheets in the current workbook (administrative sheets such as 'masterdata' and 'Read me' are not counted), listed under Finanstilsynet's own sheet-tab codes. A plain-English gloss for these codes was not found on the pages read; the linked instructions document explains each field. Source

Validation rules

No published validation rules were found for this return. No published list of business validation rules (fejlkontroller) was found for this return on the pages read; FIONA Online checks the data against the published XSD schema on upload. Source

Public data

No published data from this return was found. No data from this return published by Finanstilsynet was found on the pages checked. Source

Official documents (2)

The Danish FSA's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

  • KGFS skema

    Template · XLSX · 31.8 KB · 26 August 2025

    SHA-256 a432a2269747show in fulla432a226974781a6ef9f34675ac0945fe411df0f4236c34da24de17ce1fbfc0a
  • KGFS anvisning

    Instructions · PDF · 382.4 KB · 28 October 2025

    SHA-256 3041246cf499show in full3041246cf499d50cf7417109c8cd5118c9e329d0dfe5326b2d9f97971817bde5

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see Danish FSA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 13 November 2026.