In fact on a serious note, negative mortgage rate is just a gimmick, its around 11% over 10 years which is still great..https://www.livemint.com/industry/ba...811455164.htmlAs the FAQ on this specific home loan on Jyske Bank’s website points out, let’s consider a loan of 2,50,000 Danish krone to be repaid over a period of 10 years, in 40 quarterly instalments. The total repayments work out to 2,77,392 Danish krone. This, despite the fact that the rate of interest on the loan is negative. So, the banking and other fee adds up to quite a bit. In that sense, the borrower is not paid money to borrow. At the same time, he repays only around 11% over and above what he had borrowed. This basically means that he is getting the home loan at almost 0% rate of interest.