Se\u00f0labanki \u00cdslands hefur gripi\u00f0 til \u00feess a\u00f0 h\u00e6kka st\u00fdrivexti til a\u00f0 sl\u00e1 \u00e1 mikla \u00feenslu \u00e1 h\u00fasn\u00e6\u00f0ismarka\u00f0i. \u00deetta hefur leitt til \u00feess a\u00f0 vaxtastig hefur h\u00e6kka\u00f0 umtalsvert h\u00e9r \u00e1 landi undanfarin misseri. \u00datlit er fyrir a\u00f0 bankinn haldi \u00e1fram h\u00e6kka vexti og \u00fev\u00ed mikilv\u00e6gt a\u00f0 r\u00fdna a\u00f0eins \u00ed st\u00f6\u00f0una sem birtist okkur \u00e1 l\u00e1namarka\u00f0i. \u00c1 undanf\u00f6rnum \u00e1rum hafa \u00f3ver\u00f0trygg\u00f0 l\u00e1n veri\u00f0 a\u00f0 ry\u00f0ja s\u00e9r til r\u00fams hj\u00e1 fasteignaeigendum enda hefur vaxtastig \u00e1 t\u00edmabilinu veri\u00f0 hagfellt. \u00c1vinningur af \u00f3ver\u00f0trygg\u00f0um l\u00e1num er mikill vi\u00f0 \u00fe\u00e6r a\u00f0st\u00e6\u00f0ur; grei\u00f0slubyr\u00f0in er vissulega h\u00e6rri, en eignamyndun er mun meiri enda eru vextir greiddir \u00ed hverjum m\u00e1nu\u00f0i a\u00f0 fullu. \u00deetta er \u00f3l\u00edkt \u00fev\u00ed sem gildir um ver\u00f0trygg\u00f0 l\u00e1n, \u00fear sem ver\u00f0lagsbreytingar hvers m\u00e1na\u00f0ar leggjast \u00e1 h\u00f6fu\u00f0st\u00f3l l\u00e1nsins og f\u00e6rir vandann til langrar framt\u00ed\u00f0ar.<\/p>\n\n\n\n
Mikil umr\u00e6\u00f0a hefur raunar veri\u00f0 um a\u00f0 takmarka e\u00f0a jafnvel banna ver\u00f0trygg\u00f0 l\u00e1n og hafa veri\u00f0 stigin l\u00edtil skref \u00ed \u00fe\u00e1 \u00e1tt. Se\u00f0labankinn hefur sett r\u00edkari kr\u00f6fur \u00e1 \u00fea\u00f0 hvernig grei\u00f0slumat skuli gert, til d\u00e6mis stytt leyfilegan l\u00e1nst\u00edma ver\u00f0trygg\u00f0ra l\u00e1na sem liggur til grundvallar grei\u00f0slumati og vi\u00f0mi\u00f0 um vexti vi\u00f0 \u00fatreikning grei\u00f0slumats. S\u00fa a\u00f0ger\u00f0 dregur a\u00f0 einhverju leyti \u00far svigr\u00fami til l\u00e1nt\u00f6ku og \u00fear me\u00f0 getu til a\u00f0 kaupa fasteign of \u201ed\u00fdru ver\u00f0i\u201c.<\/p>\n\n\n\n
Ver\u00f0trygg\u00f0 l\u00e1n bj\u00f3\u00f0a upp \u00e1 l\u00e1ga grei\u00f0slubyr\u00f0i \u00ed upphafi l\u00e1nst\u00edma. Einhverjir hafa tali\u00f0 \u00fea\u00f0 sem kost en \u00ed raun geta ver\u00f0trygg\u00f0 l\u00e1n fali\u00f0 \u00ed s\u00e9r verulega \u00f3vissu og \u00e1h\u00e6ttu fyrir l\u00e1ntaka \u00fear sem \u00e1hrif ver\u00f0b\u00f3lgu f\u00e6rist \u00e1 h\u00f6fu\u00f0st\u00f3linn og l\u00e1gir vextir eru greiddir \u00ed hverjum m\u00e1nu\u00f0i. Ver\u00f0trygg\u00f0 l\u00e1n gera \u00fea\u00f0 \u00feannig a\u00f0 verkum a\u00f0 fasteignakaupendur geta keypt fasteignir \u00e1 h\u00e6rra ver\u00f0i en me\u00f0 \u00f3ver\u00f0trygg\u00f0um l\u00e1num sem \u00fdtir fasteignaver\u00f0i upp, \u00fear sem fasteignaver\u00f0 mi\u00f0ast i\u00f0ulega vi\u00f0 \u00fea\u00f0 hver kaupgeta f\u00f3lks er \u00e1 hverjum t\u00edma.<\/p>\n\n\n\n
\u00c1 undanf\u00f6rnum 5-10 \u00e1rum hefur v\u00e6gi \u00f3ver\u00f0trygg\u00f0ra l\u00e1na aukist hj\u00e1 heimilum. \u00dev\u00ed m\u00e1 lei\u00f0a l\u00edkur a\u00f0 \u00fev\u00ed a\u00f0 \u00ed fyrsta skipti \u00ed marga \u00e1ratugi hafi undanfarnar h\u00e6kkanir st\u00fdrivaxta haft bein \u00e1hrif \u00e1 fj\u00e1rhag heimila. H\u00e6kkun st\u00fdrivaxta hefur bein \u00e1hrif \u00e1 grei\u00f0slur l\u00e1na og \u00fatgj\u00f6ld heimila aukast gr\u00ed\u00f0arlega. Svo mikil eru \u00e1hrif s\u00ed\u00f0ustu vaxtah\u00e6kkana a\u00f0 \u00e9g hef verulega miklar \u00e1hyggjur af st\u00f6\u00f0u f\u00f3lks og \u00fe\u00e1 s\u00e9rstaklega \u00feeirra sem n\u00fdlega eru komin inn \u00e1 fasteignamarka\u00f0inn e\u00f0a eru mj\u00f6g skuldsett.<\/p>\n\n\n\n
En hver eru fyrirsj\u00e1anleg vi\u00f0br\u00f6g\u00f0 \u00e1 skuldsettum heimilum vi\u00f0 \u00feessar a\u00f0st\u00e6\u00f0ur? J\u00fa, f\u00f3lk leitar e\u00f0lilega \u00ed \u00feann l\u00e1naflokk sem \u00fea\u00f0 r\u00e6\u00f0ur betur vi\u00f0 a\u00f0 grei\u00f0a af. F\u00f3lk leitar yfir \u00ed ver\u00f0trygg\u00f0 l\u00e1n. \u00dea\u00f0 gerir f\u00f3lk \u00fer\u00e1tt fyrir a\u00f0 \u00feau l\u00e1n s\u00e9u \u00ed reynd margfalt \u00f3hagst\u00e6\u00f0ari til lengri t\u00edma fyrir neytendur, en a\u00f0 sama skapi margfalt betri fyrir fj\u00e1rmagnseigendur!<\/p>\n\n\n\n
Aflei\u00f0ingar af \u00feessari tilf\u00e6rslu \u00e1 milli l\u00e1naforma mun a\u00f0 \u00f6llum l\u00edkindum veikja vaxtat\u00e6ki Se\u00f0labanka \u00cdslands og koma til me\u00f0 a\u00f0 hafa minni \u00e1hrif \u00e1 fasteignaver\u00f0. Sl\u00edkt ynni gegn helsta markmi\u00f0i bankans, \u00fe.e. st\u00f6\u00f0ugu ver\u00f0lagi. Fari svo, m\u00e1 gera r\u00e1\u00f0 fyrir a\u00f0 bankinn muni \u00e1fram reyna a\u00f0 nota \u00feessa einh\u00e6fu og a\u00f0 m\u00ednu mati r\u00f6ngu a\u00f0fer\u00f0, a\u00f0 h\u00e6kka s\u00edfellt st\u00fdrivexti me\u00f0 of \u00f6fgakenndum h\u00e6tti til a\u00f0 breg\u00f0ast vi\u00f0 h\u00e1rri ver\u00f0b\u00f3lgu. Aftur ver\u00f0ur \u00fe\u00e1 til h\u00f3pur me\u00f0 minna \u00e1 milli handanna sem yr\u00f0i tilneyddur til \u00feess a\u00f0 f\u00e6ra sig \u00ed ver\u00f0trygg\u00f0 l\u00e1n. S\u00fa tilf\u00e6rsla myndi svo aftur auka \u00fer\u00fdsting \u00e1 a\u00f0 fasteignaver\u00f0 h\u00e6kki enn frekar. Hvernig ver\u00f0ur brug\u00f0ist vi\u00f0 \u00feeirri h\u00e6kkun? Me\u00f0 h\u00e6kkun st\u00fdrivaxta? \u00deetta er v\u00edtahringur sem samf\u00e9lagi\u00f0 \u00fearf a\u00f0 komast \u00fat \u00far. \u00dea\u00f0 eru fleiri verkf\u00e6ri \u00ed verkf\u00e6rat\u00f6sku bankans en jafnframt er mikilv\u00e6gt a\u00f0 takast \u00e1 vi\u00f0 skort \u00e1 h\u00fasn\u00e6\u00f0i til langs t\u00edma og \u00fear koma stj\u00f3rnv\u00f6ld og sveitarf\u00e9l\u00f6g inn \u00ed myndina.<\/p>\n\n\n\n
H\u00f6fundur er forseti Al\u00fe\u00fd\u00f0usambands \u00cdslands.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Se\u00f0labanki \u00cdslands hefur gripi\u00f0 til \u00feess a\u00f0 h\u00e6kka st\u00fdrivexti til a\u00f0 sl\u00e1 \u00e1 mikla \u00feenslu \u00e1 h\u00fasn\u00e6\u00f0ismarka\u00f0i. \u00deetta hefur leitt til \u00feess a\u00f0 vaxtastig hefur h\u00e6kka\u00f0 umtalsvert h\u00e9r \u00e1 landi…<\/p>\n","protected":false},"author":1,"featured_media":104,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-greinar"],"_links":{"self":[{"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/posts\/77","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=77"}],"version-history":[{"count":1,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/posts\/77\/revisions"}],"predecessor-version":[{"id":78,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/posts\/77\/revisions\/78"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=\/wp\/v2\/media\/104"}],"wp:attachment":[{"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=77"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=77"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kristjanthordur.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=77"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}