\u00dea\u00f0 er ekki au\u00f0velt a\u00f0 skilja hva\u00f0 er \u00ed gangi \u00ed bankaheiminum \u00feessa dagana. \u00cdslensk fj\u00e1rm\u00e1lafyrirt\u00e6ki skila f\u00ednum hagna\u00f0i en vir\u00f0ast ekki nj\u00f3ta neins trausts utan landssteinanna. Hagna\u00f0urinn er sag\u00f0ur byggjast \u00e1 vi\u00f0skiptum me\u00f0 \u00edslensku kr\u00f3nuna, en \u00e1 sama t\u00edma vilja fj\u00e1rm\u00e1lafyrirt\u00e6kin kr\u00f3nuna feiga. \u00deegar svo vi\u00f0 b\u00e6tist a\u00f0 sparisj\u00f3\u00f0ir eru a\u00f0 ver\u00f0a\/hafi or\u00f0i\u00f0 gjald\u00ferota \u00e1 landsbygg\u00f0inni \u00fe\u00f3 hlj\u00f3tt fari, \u00fe\u00e1 hl\u00fdtur hverjum vitibornum manni a\u00f0 breg\u00f0a. \u00dea\u00f0 a\u00f0 bankarnir sumir hverjir hafi fengi\u00f0 l\u00e1n hj\u00e1 l\u00edfeyrissj\u00f3\u00f0um til 5 \u00e1ra og l\u00e1na\u00f0 \u00e1fram til 40 \u00e1ra, er ekki til a\u00f0 au\u00f0velda manni a\u00f0 skilja \u00feetta allt saman. Enda skilst m\u00e9r a\u00f0 n\u00fa \u00feegar kemur a\u00f0 skuldad\u00f6gum 5 \u00e1ra l\u00e1nanna s\u00e9u f\u00e1ir tilb\u00fanir til a\u00f0 l\u00e1na b\u00f6nkunum aftur og hva\u00f0 \u00fe\u00e1 til langs t\u00edma og \u00fev\u00ed eigi \u00feeir ekki h\u00e6gt um vik a\u00f0 grei\u00f0a l\u00edfeyrissj\u00f3\u00f0unum \u00fea\u00f0 sem \u00feeim ber.<\/p>\n
Eins og \u00feetta s\u00e9 ekki n\u00f3g. \u00de\u00e1 b\u00e6tist vi\u00f0 a\u00f0 bankar og fj\u00e1rm\u00e1lastofnanir vir\u00f0ast ganga kaupum og s\u00f6lum \u00feessa dagana. Bankinn minn breytir reglulega um nafn, \u00fe\u00f3 ekki s\u00e9 eins oft skipt um \u00fatlit og B\u00fana\u00f0arbanka\/Kaup\u00feings\/SPM\/KB bankamennirnir gera. \u00datib\u00fai\u00f0 mitt er ekki lengur til, lenti \u00ed sameiningarhagr\u00e6\u00f0ingarferli og \u00feegar \u00e9g nota\u00f0i sumarleyfi\u00f0 til a\u00f0 k\u00edkja \u00e1 \u00fej\u00f3nustufulltr\u00faana m\u00edna og gjaldkerana, var engin \u00feeirra lengur vi\u00f0 st\u00f6rf \u00ed sameinu\u00f0u \u00fatib\u00fai. Vextir \u00e1 fr\u00e1b\u00e6ra h\u00e1vaxta sparna\u00f0arreikningnum okkar eru undir ver\u00f0b\u00f3lgut\u00f6lum, \u00fear sem vi\u00f0 g\u00e1tum ekki bundi\u00f0 peningana okkar \u00ed lengri t\u00edma og \u00fev\u00ed lj\u00f3st a\u00f0 sparna\u00f0urinn okkar hverfur um s\u00ed\u00f0ir ef vi\u00f0 breg\u00f0umst ekki vi\u00f0.<\/p>\n
\u00cd \u00f6llu \u00feessu umr\u00f3ti heyrast l\u00edka af \u00fev\u00ed s\u00f6gur a\u00f0 \u00fea\u00f0 s\u00e9u ekki bara sparisj\u00f3\u00f0ir \u00fat \u00e1 landi sem eiga \u00fea\u00f0 \u00e1 h\u00e6ttu a\u00f0 geta ekki lengur sta\u00f0i\u00f0 \u00ed skilum, sum af st\u00f3ru fj\u00e1rm\u00e1lafyrirt\u00e6kjunum \u00ed Reykjav\u00edk gl\u00edmi vi\u00f0 mikinn vanda, enda ekkert gr\u00edn a\u00f0 \u00feurfa a\u00f0 borga 10% tryggingavexti af l\u00e1num sem eru fengin \u00fat \u00ed hinum st\u00f3ra heimi, til a\u00f0 fj\u00e1rmagna endurgrei\u00f0slu \u00e1 l\u00e1num fr\u00e1 l\u00edfeyrisj\u00f3\u00f0unum sem voru \u00ed upphafi notu\u00f0 til a\u00f0 l\u00e1na h\u00faskaupendum \u00e1 5% v\u00f6xtum. Or\u00f0i\u00f0 \u00e1 g\u00f6tunni f\u00e9kk samt einhverjar skammir fyrir a\u00f0 vara sparifj\u00e1reigendur vi\u00f0 fyrir nokkru, enda g\u00e6ti \u00fea\u00f0 \u00fe\u00fdtt samf\u00e9lagslegt hrun ef einstaklingar t\u00e6kju upp \u00e1 \u00fev\u00ed a\u00f0 vernda eigur s\u00ednar og fjarl\u00e6gja \u00fe\u00e6r \u00far b\u00f6nkunum \u00e1\u00f0ur en til gjald\u00ferots k\u00e6mi. \u00c9g \u00feykist \u00feess samt fullviss a\u00f0 varnir \u00feeirra sem mest eiga, eru til fyrirmyndar og vi\u00f0 \u00feurfum ekki a\u00f0 \u00f3ttast a\u00f0 \u00feeir sem meira vita en \u00e9g, ska\u00f0ist mj\u00f6g ef einhverjar fj\u00e1rm\u00e1lastofnanir leggjast \u00e1 hli\u00f0ina. Vi\u00f0 hin \u00e6ttum a\u00f0 hafa \u00ed huga a\u00f0 skv. l\u00f6gum um innist\u00e6\u00f0utryggingar og tryggingakerfi fyrir fj\u00e1rfesta<\/a> \u00fe\u00e1 eru fyrstu 2.550.000 kr\u00f3nurnar (m.v. gengi Evrunnar 28. \u00e1g\u00fast 2008), sem vi\u00f0 eigum trygg\u00f0ar og ef innist\u00e6\u00f0an okkar er l\u00e6gri \u00fe\u00e1 er enginn \u00e1st\u00e6\u00f0a til a\u00f0 hlaupa af sta\u00f0. Ef inneign okkar er h\u00e6rri en \u00feetta, er e.t.v. \u00e1st\u00e6\u00f0a til a\u00f0 hugsa lei\u00f0ir til a\u00f0 breg\u00f0ast vi\u00f0.<\/p>\n Hafandi fjalla\u00f0 um \u00feennan skr\u00edtna heim, \u00fear sem peningar \u00e1 14,4% v\u00f6xtum fu\u00f0ra upp \u00ed ver\u00f0b\u00f3lgub\u00e1li, \u00fear sem sparisj\u00f3\u00f0ir deyja \u00e1n mikillar umr\u00e6\u00f0u og bankar f\u00e1 hvorki l\u00e1n n\u00e9 l\u00e1na. \u00de\u00e1 er e.t.v. r\u00e9tt a\u00f0 benda \u00e1 a\u00f0 peningar \u00feurfa ekki alltaf a\u00f0 vera uppspretta \u00e1hyggna. Ef einhver vill vernda fj\u00e1rmuni umfram fyrstu 2.550.000 kr\u00f3nur \u00fe\u00e1 g\u00e6ti veri\u00f0 spennandi fyrir vi\u00f0komandi a\u00f0 veita vaxtalaust l\u00e1n \u00ed gegnum KIVA.ORG<\/a>. \u00c1h\u00e6ttan er sj\u00e1lfsagt svipu\u00f0 og felst \u00ed a\u00f0 eiga meira en 2.550.000 kr\u00f3nur hj\u00e1 \u00edslenskri fj\u00e1rm\u00e1lastofnun, og ef ver\u00f0b\u00f3lga \u00e1 \u00cdslandi og gengis\u00fer\u00f3un helst svipu\u00f0 og undanfarna m\u00e1nu\u00f0i er \u00e1v\u00f6xtunin ekki miki\u00f0 verri. \u00deess utan er \u00e1kve\u00f0in vell\u00ed\u00f0an f\u00f3lgin \u00ed \u00fev\u00ed a\u00f0 vita a\u00f0 ef svo illa fer a\u00f0 peningarnir tapast, \u00fe\u00e1 t\u00f6pu\u00f0ust \u00feeir \u00ed vi\u00f0leitni vi\u00f0 a\u00f0 b\u00e6ta heiminn, en ekki vegna l\u00f6ngunar nokkurra einstaklinga til a\u00f0 spila risa Matador.<\/p>\n","protected":false},"excerpt":{"rendered":" \u00dea\u00f0 er ekki au\u00f0velt a\u00f0 skilja hva\u00f0 er \u00ed gangi \u00ed bankaheiminum \u00feessa dagana. \u00cdslensk fj\u00e1rm\u00e1lafyrirt\u00e6ki skila f\u00ednum hagna\u00f0i en vir\u00f0ast ekki nj\u00f3ta neins trausts utan landssteinanna. Hagna\u00f0urinn er sag\u00f0ur byggjast \u00e1 vi\u00f0skiptum me\u00f0 \u00edslensku kr\u00f3nuna, en \u00e1 sama t\u00edma vilja fj\u00e1rm\u00e1lafyrirt\u00e6kin kr\u00f3nuna feiga. \u00deegar svo vi\u00f0 b\u00e6tist a\u00f0 sparisj\u00f3\u00f0ir eru a\u00f0 ver\u00f0a\/hafi or\u00f0i\u00f0 gjald\u00ferota … Continue reading Tryggingar fj\u00e1rm\u00e1lafyrirt\u00e6kja<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wds_primary_category":0,"footnotes":""},"categories":[2],"tags":[85],"class_list":["post-597","post","type-post","status-publish","format-standard","hentry","category-islenska","tag-hruni"],"_links":{"self":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts\/597","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/comments?post=597"}],"version-history":[{"count":0,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts\/597\/revisions"}],"wp:attachment":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/media?parent=597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/categories?post=597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/tags?post=597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}