Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs Nykredit
What sets them apart
| Compare |  Commercial Bank CBclick |  Nykredit |
|---|---|---|
| Term | 48 to 72 months | 120 monthsHigher |
| Arrangement fee | 0 QAR | 0 DKK |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | Must already be a BoligBank 360, BoligBank 365, Private Banking or Private Banking Elite customer and fund at least 20% of the price |
| Loan types | Personal | Car, Secured |
| Loan amount | QAR 400,000 to QAR 2,000,000 | Not confirmed |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Commercial Bank CBclick scores higher overall: 9.2 vs 9.1.
- Founded is lower at Commercial Bank CBclick: 1974 vs 1985.
- Nykredit is available in 1 more country.
- Term is higher at Nykredit: 120 months vs 48 to 72 months.
- Support channels: only Nykredit offers Chat, Help centre, Community.
- Loan types: only Commercial Bank CBclick offers Personal.
- Loan types: only Nykredit offers Car, Secured.
Our verdict on each
Commercial Bank CBclick
Commercial Bank CBclick suits salaried residents of Qatar who can transfer salary to the bank and want a large personal loan rather than a small one. Borrowing runs QAR 400,000 to QAR 2,000,000 over 48 to 72, early repayment is free, and the origination fee is 0 QAR.
Nykredit
Nykredit suits Danish borrowers who already bank with the group and want a secured car loan or a home loan on the same relationship. The offer rests on a rate type of variable, an origination fee of 0 DKK and a maximum loan to value of 75%.
Score breakdown
| Area | Commercial Bank CBclick | Nykredit |
|---|---|---|
| Cost | 9.2 | Not confirmed |
| Offer | 8.9Higher | 8.8Rate type is variable, origination fee is 0 DKK, maximum loan to value is 75% and term is 120. |
| Trust | 9.4Higher | 9.2 |
Where they rank in our lists
| Ranking | Commercial Bank CBclick | Nykredit |
|---|---|---|
| Mortgages | 110 of 719 | 207 of 719 |
| Remortgage deals | 78 of 351 | 150 of 351 |
| Equity release | 4 of 32 | 11 of 32 |
Sources behind this comparison
Commercial Bank CBclick
- cbq.com.qa: 11 facts, checked September 26, 2026
Nykredit
- nykredit.dk: 12 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Commercial Bank CBclick | Nykredit |
|---|---|---|
| Legal entity | The Commercial Bank (P.S.Q.C) | Nykredit Bank A/S |
| Headquarters | Qatar | Denmark |
| Founded | 1974Lower | 1985 |
| Support channels | Phone | Phone, Chat, Help centre, CommunityCovers more |
Mortgages
| Fact | Commercial Bank CBclick | Nykredit |
|---|---|---|
| Initial rate | 3.45% | Not confirmed |
| Fixed period | Not confirmed | 1 to 30 years |
| Maximum loan to value | 80%Higher | 75% |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity releaseCovers more | Purchase, Remortgage, Equity release |
Where each stands against the rest
| Fact | Commercial Bank CBclick | Nykredit | Median |
|---|---|---|---|
| Term | 48 to 72 monthsabove the median | 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Commercial Bank CBclick
Pros
- Loan sizes of QAR 400,000 to QAR 2,000,000 are substantial, with repayment terms of 48 to 72.
- Early repayment is free, so clearing the balance sooner adds no charge.
- The origination fee on a new personal loan is 0 QAR.
Cons
- Support runs on phone only, so there is no listed chat or email route.
- The lending is personal only, so there is no credit line or debt consolidation product here.
- Every applicant needs a salary transfer, a QID and, for expats, a valid passport, which narrows who can qualify.
Nykredit
Pros
- Car and secured lending under car and secured, with free early repayment on the basic car loan
- Origination fee of 0 DKK on the electric car loan, with a term of 120
- A direct lender rather than a broker, so pricing comes from direct lender itself
Cons
- Maximum loan to value of 75% ranks 246 of 293
- The stated purpose is purchase, remortgage and equity release, so lending centres on the home rather than general borrowing
- Eligibility starts with an existing BoligBank or Private Banking relationship, so an applicant has to move banking first
Who each suits
Commercial Bank CBclick
Who it suits
- Borrowers after a large one-off sum repaid over a long term rather than a small top-up.
- Homebuyers, movers and first-time buyers, since its mortgage book covers purchase, remortgage and first time buyer with a maximum loan to value of 80%.
Who should look elsewhere
- Monzo Flex, if you want sterling borrowing of £10,000 to £35,000 rather than a salary-transfer loan in Qatar.
- Cashspace, if the sum you need sits near PHP 500 to PHP 25,000 instead of the QAR 400,000 to QAR 2,000,000 range here.
- Cashspace ES, if a euro loan of €100 to €5,000 is the better fit for you.
Nykredit
Who it suits
- Drivers who already hold a BoligBank or a Private Banking account and want a car loan
- Homebuyers and movers who fund a deposit themselves and want one bank for the mortgage and the car
- Households planning home improvement work who want a secured loan against the property
Who should look elsewhere
- Borrowers with thin deposits, since lending stops at 75%
- Applicants with poor credit, as the check is hard
- Readers wanting a fixed rate, since the stated rate type is variable
Current offers
Nykredit
Current offer
Bonus
Bonus rate on BoligOpsparing before buying your first home: 5% bonus interest on the first DKK 300,000 of BoligOpsparing
Saving in a BoligOpsparing before buying your first home; must move your mortgage to Nykredit
Source, checked September 26, 2026
Country by country
| Country | Commercial Bank CBclick | Nykredit |
|---|---|---|
| Denmark | No | Yes |
| Greenland | No | Yes |
| Qatar | Yes | No |
Questions about each
Commercial Bank CBclick
What does a Commercial Bank CBclick personal loan cost?+
The origination fee on a new personal loan is 0 QAR, so the setup charge is the main published fee. Mortgage campaigns are marketed at an initial rate of 3.45%. Because early repayment is free, settling the balance ahead of schedule does not add a charge either.
How much can I borrow and over what term?+
Personal loans run QAR 400,000 to QAR 2,000,000 and are repaid over 48 to 72, a long term on a single lump sum. The lower end sits well above the €114.37 recorded for personal loans across the site, so this targets larger sums than a typical personal loan.
Nykredit
Who can apply for the Nykredit electric car loan?+
Eligibility is limited to people who already bank with the group as a BoligBank, Private Banking or Private Banking Elite customer, and who put up a deposit themselves before the rest of the price. The group dates back to 1985 and is based in Denmark.
What does the car loan cost?+
The origination fee is 0 DKK on the electric car loan, with a term of 120. The rate is variable rather than fixed, so the rate type listed is variable and the balance can move with market rates.