<\/p>\n
Samkv\u00e6mt t\u00f6lum fr\u00e1 Samg\u00f6ngustofu er b\u00edlafloti \u00cdslendinga or\u00f0inn me\u00f0 \u00feeim elstu \u00ed Evr\u00f3pu, \u00a0t\u00e6plega 12 \u00e1ra, og vir\u00f0ist enn vera t\u00f6luvert \u00ed land a\u00f0 \u00feeirri \u00fer\u00f3un ver\u00f0i sn\u00fai\u00f0 vi\u00f0 ef teki\u00f0 er mi\u00f0 af fj\u00f6lda n\u00fdskr\u00e1\u00f0ra b\u00edla \u00ed september 2013.\u00a0<\/p>\n
\u00c1rin fyrir hrun var fj\u00f6ldi n\u00fdskr\u00e1\u00f0ra f\u00f3lksb\u00edla \u00e1 bilinu 16.000 til 18.000 \u00e1 \u00e1ri en \u00e1ri\u00f0 2009 f\u00e6kka\u00f0i \u00feeim ni\u00f0ur fyrir 3.000. \u00deeim hefur svo veri\u00f0 a\u00f0 fj\u00f6lga aftur s\u00ed\u00f0ustu \u00e1r. \u00c1 fyrstu \u00e1tta m\u00e1nu\u00f0um \u00feessa \u00e1rs er fj\u00f6ldi n\u00fdskr\u00e1\u00f0ra f\u00f3lksb\u00edla or\u00f0inn 5.868 talsins og er salan sem af er \u00e1ri 33 b\u00edlum f\u00e6rri en \u00e1 sama t\u00edmabili \u00ed fyrra.\u00a0<\/p>\n
B\u00edlgreinasambandi\u00f0 reiknar me\u00f0 a\u00f0 sala \u00e1 n\u00fdjum f\u00f3lksb\u00edlum ver\u00f0i \u00ed kringum 8.500 b\u00edlar \u00ed \u00e1r og er \u00fea\u00f0 heldur meiri sala en \u00ed fyrra en \u00fe\u00e1 seldust t\u00e6plega 8.000 f\u00f3lksb\u00edlar. \u00c1\u00e6tla\u00f0 er a\u00f0 endurn\u00fdjunar\u00fe\u00f6rfin \u00e1 f\u00f3lksb\u00edlum \u00e1 \u00cdslandi s\u00e9 um 14.000 b\u00edlar \u00e1 \u00e1ri.<\/p>\n
Af n\u00fdskr\u00e1\u00f0um f\u00f3lksb\u00edlum sem af er \u00feessu \u00e1ri er helmingurinn seldur til b\u00edlaleiga. \u00deannig hafa \u00ed raun a\u00f0eins um 3.000 n\u00fdir b\u00edlar veri\u00f0 seldir \u00e1 almennum neytendamarka\u00f0i.\u00a0<\/p>\n
B\u00edlafj\u00e1rm\u00f6gnunara\u00f0ilar fara ekki varhluta af \u00feessari \u00fer\u00f3un. E\u00f0li m\u00e1lsins samkv\u00e6mt takmarkast fj\u00e1rm\u00f6gnun n\u00fdrra b\u00edla vi\u00f0 fj\u00f6lda n\u00fdskr\u00e1ninga og \u00feeim hefur f\u00e6kka\u00f0 um 8-10.000 \u00e1 \u00e1ri. Umsvifin hafa \u00fev\u00ed minnka\u00f0 miki\u00f0.\u00a0<\/p>\n
Fimm fyrirt\u00e6ki \u00e1 \u00edslenskum fj\u00e1rm\u00e1lamarka\u00f0i augl\u00fdsa og kynna fj\u00e1rm\u00f6gnunar\u00fej\u00f3nustu fyrir f\u00f3lksb\u00edla: Erg\u00f3 \u2013 fj\u00e1rm\u00f6gnunar\u00fej\u00f3nusta \u00cdslandsbanka, B\u00edla- og t\u00e6kjafj\u00e1rm\u00f6gnun Landsbankans, Arion \u2013 b\u00edlafj\u00e1rm\u00f6gnun, Lykill sem er \u00ed eigu MP banka og L\u00fdsing.\u00a0<\/p>\n
Samkv\u00e6mt t\u00f6lum af fj\u00e1rm\u00e1lamarka\u00f0num eru Erg\u00f3 og Landsbankinn me\u00f0 yfir 90% hlutdeild \u00ed fj\u00e1rm\u00f6gnun n\u00fdrra b\u00edla sem af er \u00e1ri. Erg\u00f3 er me\u00f0 um 53% hlutdeild og Landsbankinn me\u00f0 um 40%.<\/p>\n
\u00deessi tv\u00f6 fyrirt\u00e6ki hafa hinga\u00f0 til marka\u00f0ssett og augl\u00fdst s\u00edna fj\u00e1rm\u00f6gnunar\u00fej\u00f3nustu hva\u00f0 mest en \u00feau b\u00faa a\u00f0 hva\u00f0 mestri \u00feekkingu og reynslu \u00e1 \u00feessum marka\u00f0i.\u00a0<\/p>\n
Lykill er n\u00fdtt fyrirt\u00e6ki sem hefur veri\u00f0 byggt upp fr\u00e1 grunni og Arion banki vir\u00f0ist ekki leggja mikla \u00e1herslu \u00e1 \u00feennan \u00fe\u00e1tt \u00ed fj\u00e1rm\u00e1la\u00fej\u00f3nustu sinni.\u00a0<\/p>\n
Flestir \u00feurfa \u00e1 b\u00edl a\u00f0 halda. B\u00edllinn er miki\u00f0 \u00fearfa\u00feing fyrir hina hef\u00f0bundnu fj\u00f6lskyldu, stundum sag\u00f0ur vera \u00fearfasti \u00fej\u00f3nninn og er \u00fe\u00e1 v\u00edsa\u00f0 til gamalla t\u00edma \u00feegar hesturinn gegndi \u00fev\u00ed mikilv\u00e6ga hlutverki a\u00f0 koma f\u00f3lki \u00e1 milli sta\u00f0a.\u00a0<\/p>\n
\u00dea\u00f0 kostar peninga a\u00f0 kaupa og reka b\u00edla, s\u00e9rstaklega ef \u00feeir eru gamlir. En \u00fea\u00f0 \u00fearf fleira a\u00f0 koma til en l\u00e6kkun l\u00e1nt\u00f6kukostna\u00f0ar til a\u00f0 \u00f6rva marka\u00f0inn. Fj\u00e1rhagssta\u00f0a heimila og fyrirt\u00e6kja \u00ed landinu \u00fearf a\u00f0 batna, vextir a\u00f0 l\u00e6kka og hagv\u00f6xtur a\u00f0 aukast.<\/p>\n
\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"
B\u00edlafj\u00e1rm\u00f6gnunara\u00f0ilar, sem flestir eru bankar, augl\u00fdsa reglulega 50% afsl\u00e1tt af l\u00e1nt\u00f6kugj\u00f6ldum ef keyptur er n\u00fdr b\u00edll. Fj\u00e1rm\u00f6gnun n\u00fdrra b\u00edla hefur dregist miki\u00f0 saman s\u00ed\u00f0ustu \u00e1r samfara samdr\u00e6tti \u00ed b\u00edlas\u00f6lu.\u00a0<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[14],"tags":[],"_links":{"self":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts\/73"}],"collection":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/comments?post=73"}],"version-history":[{"count":0,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts\/73\/revisions"}],"wp:attachment":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/media?parent=73"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/categories?post=73"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/tags?post=73"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}