Om hvidvask
Her kan du læse, hvordan DE’s medlemmers hjælper i indsatsen mod hvidvask, terrorfinansiering og økonomisk kriminalitet i øvrigt. English below.
Introduktion
Ejendomsmæglere, erhvervsmæglere, køberrådgivere og andre medlemmer af Dansk Ejendomsmæglerforening er omfattet af hvidvaskloven. Du kender det sikkert også fra din bank, din revisor eller din advokat. Mange virksomheder i Danmark er omfattet af de samme regler, og er forpligtet til at hjælpe i indsatsen mod hvidvask og terrorfinansiering.
Der kan være mindre forskelle i, hvordan forpligtelserne løses, men overordnet er reglerne de samme for alle. Derfor vil de spørgsmål, du kan have som kunde hos en af DE’s medlemsvirksomheder, kunne besvares nogenlunde ens. Det gør vi nedenfor.
Relevante spørgsmål
-
Hvorfor beder min mægler eller rådgiver om legitimation?
Virksomheder, som ligesom vores medlemsvirksomheder er omfattet af hvidvaskloven, er forpligtet til at kende deres kunder.
Det kræver, at du som kunde identificerer dig overfor virksomheden, og at virksomheden kontrollerer din identitet. Derfor har virksomheden brug for dit fulde navn og dit cpr-nummer, og derfor indhenter virksomheden også f.eks. kørekort eller pas, eller beder dig om at bekræfte din identitet ved brug af MitID.
Det er ikke usædvanligt, at du undervejs i kundeforholdet bliver bedt om at bekræfte din identitet, eller at virksomheden kontrollerer din identitet igen.
Virksomhederne er underlagt nogle ufravigelige bestemmelser og er desuden underlagt bestemmelser om at skulle sætte sine egne regler op for sig selv og sine ansatte. Derfor kan du opleve, at der er forskelle imellem, hvordan virksomhederne løser nogle af sine forpligtelser. At en virksomhed skal bruge navn og cpr-nummer på sine kunder og kontrollere deres identitet er ikke muligt at fravige.
-
Vi er en virksomhed, hvorfor beder vores mægler eller rådgiver om oplysninger?
-
Hvorfor spørger min mægler eller rådgiver ind til mine private forhold?
-
Hvorfor spørger min mægler eller rådgiver om jeg selv eller nogen jeg kender, er PEP?
-
Hvad med alle mine personoplysninger?
-
Vi er en andelsboligforening, hvorfor skal vores valuar have oplysninger om personer i vores bestyrelse?
-
Hvor kan jeg læse mere?
Introduction
Real estate agents, commercial estate agents, and advisors who are members of the Danish Association of Chartered Estate Agents are subject to anti-money laundering regulations. Similar rules apply across many sectors in Denmark, including banks and lawyers. While companies may handle their obligations slightly differently, the core requirements are the same. That’s why questions you may have as a client will generally be answered in a similar way — as we do below.
Relevant questions
-
Why is my estate agent or advisor asking for identification?
Companies subject to anti-money laundering regulations, like our member companies, are required to verify the identity of their customers. This means you must provide valid identification, such as a passport or driver’s license. You may be asked to verify your identity again during business relationships. These requirements are mandatory and may vary slightly between companies, but identity verification is always necessary.
-
We are a company — why is our estate agent or advisor asking for information?
When one of our member companies enters into a business relationship with another company, anti-money laundering regulations require them to identify the company and its beneficial owners. This involves mapping the company’s ownership structure, which may vary depending on its complexity. Even if you are authorized to sign on behalf of your company, the member company will still need information about the beneficial owners. How this is done may differ from case to case.
-
Why is my estate agent or advisor asking about my personal circumstances?
In addition to verifying your identity, estate agents and advisors are required to understand their clients’ needs and circumstances. This means they may ask about your profession, reasons for buying or selling a property, how you acquired it, or how you plan to finance a purchase. These questions help ensure compliance with anti-money laundering rules and support a responsible advisory process. While some questions may feel personal, they are standard and often relevant for both legal and practical reasons.
-
Why is my estate agent or advisor asking whether I or someone I know is a PEP?
Companies are required to assess whether their clients are Politically Exposed Persons (PEPs). A PEP is someone who holds or has held a prominent public position—such as a minister or ambassador—or is closely related to such a person. If you or someone connected to you is a PEP, the company must apply enhanced due diligence, which may include additional questions or documentation. This applies to both private and corporate clients, where the beneficial owners are also assessed.
-
What about all my personal data?
Companies are required to store information about your identity, identification documents, and any other data that forms part of their customer due diligence. Personal data collected solely for anti-money laundering purposes may not be kept for more than five years after the business relationship ends, and must be stored securely.
The company is subject to mandatory reporting obligations and public supervision in this area. This means it may be required to share personal data with public authorities, including the Danish Money Laundering Secretariat and the Danish Business Authority.