Fj\u00e1rm\u00e1last\u00f6\u00f0ugleiki<\/a>, sem Se\u00f0labanki \u00cdslands gefur \u00far. Vi\u00f0skiptabankarnir eru a\u00f0 langst\u00e6rstum hluta fj\u00e1rmagna\u00f0ir me\u00f0 innl\u00e1num og hefur v\u00e6gi \u00feeirra aukist fr\u00e1 \u00e1ram\u00f3tum \u00f6fugt vi\u00f0 \u00fer\u00f3un s\u00ed\u00f0ustu \u00e1ra. \u00cd riti Se\u00f0labankans segir a\u00f0 h\u00e6kkunina megi me\u00f0al annars rekja til fj\u00e1rfestingar- og ver\u00f0br\u00e9fasj\u00f3\u00f0a en innl\u00e1n \u00feeirra hafa aukist um t\u00e6plega 50% fr\u00e1 \u00e1ram\u00f3tum. Svo vir\u00f0ist sem sparif\u00e9 landsmanna s\u00e9 \u00fev\u00ed \u00ed auknum m\u00e6li beint til fj\u00e1rfestingar- og ver\u00f0br\u00e9fasj\u00f3\u00f0a sem leggja svo sparif\u00e9\u00f0 aftur inn \u00ed bankana a\u00f0 hluta. \u00c1st\u00e6\u00f0an er l\u00edklega s\u00fa a\u00f0 innl\u00e1nseigendum finnst \u00feeir ekki vera a\u00f0 f\u00e1 n\u00f3gu g\u00f3\u00f0a \u00e1v\u00f6xtun \u00e1 f\u00e9 sitt \u00e1 hef\u00f0bundnum innl\u00e1nsreikningum enda ber st\u00f3r hluti \u00feeirra neikv\u00e6\u00f0a raunvexti \u00fear sem nafnvextir \u00feeirra eru undir ver\u00f0b\u00f3lgu. Samkv\u00e6mt Se\u00f0labanka \u00cdslands er 12 m\u00e1na\u00f0a ver\u00f0b\u00f3lga n\u00fa 3,9%. Til a\u00f0 innl\u00e1nsf\u00e9 beri j\u00e1kv\u00e6\u00f0a raunvexti \u00fearf \u00fea\u00f0 \u00fev\u00ed a\u00f0 liggja inni \u00e1 innl\u00e1nsreikningi sem ber r\u00famlega 3,9% vexti \u00fear sem innl\u00e1nseigendur \u00feurfa einnig a\u00f0 grei\u00f0a fj\u00e1rmagnstekjuskatt sem nemur 20% af vaxtatekjum.\u00a0<\/p>\n\u00dea\u00f0 getur veri\u00f0 fl\u00f3ki\u00f0 a\u00f0 komast a\u00f0 \u00fev\u00ed hva\u00f0a innl\u00e1nsreikningur ber h\u00e6stu vextina og hentar best. Sparna\u00f0arlei\u00f0irnar sem innl\u00e1nsstofnanir bj\u00f3\u00f0a eru margar og \u00fea\u00f0 fl\u00e6kir m\u00e1li\u00f0 enn frekar a\u00f0 skilm\u00e1lar eru misjafnir. \u00c1v\u00f6xtunin fer \u00fev\u00ed b\u00e6\u00f0i eftir upph\u00e6\u00f0um sem og hversu langan t\u00edma innl\u00e1nseigendur eru tilb\u00fanir a\u00f0 binda f\u00e9 sitt. Til a\u00f0 tryggja a\u00f0 sparif\u00e9\u00f0 haldi \u00ed \u00fea\u00f0 minnst \u00ed vi\u00f0 ver\u00f0b\u00f3lguna eru ver\u00f0trygg\u00f0ir innl\u00e1nsreikningar betri en \u00f3ver\u00f0trygg\u00f0ir. Ver\u00f0trygg\u00f0ir innl\u00e1nsreikningar bera almennt l\u00e6gri vexti en \u00f3ver\u00f0trygg\u00f0ir, en \u00e1 m\u00f3ti kemur a\u00f0 ver\u00f0b\u00e6tur eru greiddar m\u00e1na\u00f0arlega. Ver\u00f0b\u00e6turnar taka mi\u00f0 af v\u00edsit\u00f6lu neysluver\u00f0s og vi\u00f0 \u00fea\u00f0 heldur sparna\u00f0urinn ver\u00f0gildi s\u00ednu. En hafa ber \u00ed huga a\u00f0 l\u00e1gmarksbinding \u00e1 ver\u00f0trygg\u00f0um reikningum er \u00ferj\u00fa \u00e1r. \u00deannig hentar ver\u00f0trygg\u00f0 innl\u00e1nsform ekki fyrir skammt\u00edmasparna\u00f0.<\/p>\n
M\u00e1 kalla neikv\u00e6\u00f0a \u00e1v\u00f6xtunarlei\u00f0 sparna\u00f0arlei\u00f0?\u00a0<\/h3>\n
\u00deeir sem vilja hafa grei\u00f0an a\u00f0gang a\u00f0 sparif\u00e9 s\u00ednu e\u00f0a vilja \u00e1vaxta sitt f\u00e9 til skemmri t\u00edma en \u00feriggja \u00e1ra \u00feurfa \u00fev\u00ed a\u00f0 horfa til \u00f3ver\u00f0trygg\u00f0ra innl\u00e1nsforma. \u00d3ver\u00f0trygg\u00f0ir innl\u00e1nsreikningar bera almennt h\u00e6rri vexti en ver\u00f0trygg\u00f0ir innl\u00e1nsreikningar en raun\u00e1v\u00f6xtun \u00feeirra fer eftir samspili ver\u00f0b\u00f3lgu og vaxtastigs \u00ed landinu. \u00d3ver\u00f0trygg\u00f0ir innl\u00e1nsreikningar geta \u00fev\u00ed gefi\u00f0 h\u00e6rri raun\u00e1v\u00f6xtun \u00feegar ver\u00f0b\u00f3lga er l\u00e1g og svo l\u00e6gri raun\u00e1v\u00f6xtun e\u00f0a neikv\u00e6\u00f0a \u00feegar ver\u00f0b\u00f3lga er h\u00e1. A\u00f0gengi a\u00f0 \u00f3ver\u00f0trygg\u00f0um reikningum er gott \u00fear sem bindit\u00edmi er yfirleitt enginn e\u00f0a skammur.\u00a0<\/p>\n
\u00cd Morgunbla\u00f0inu<\/em> \u00e1 d\u00f6gunum var ger\u00f0 lausleg k\u00f6nnun \u00e1 raun\u00e1v\u00f6xtun innl\u00e1nsreikninga hj\u00e1 st\u00f3ru vi\u00f0skiptab\u00f6nkunum \u00feremur. S\u00fa athugun leiddi \u00ed lj\u00f3s a\u00f0 158 sparna\u00f0arlei\u00f0ir eru \u00ed bo\u00f0i og eru \u00fe\u00e1 t\u00e9kkareikningar me\u00f0taldir. \u00dear af ber 71 sparna\u00f0arlei\u00f0 n\u00fa neikv\u00e6\u00f0a raunvexti og eru \u00fe\u00e1 teknir inn \u00ed \u00fe\u00e1 t\u00f6lu \u00feeir reikningar sem bera 3,9% nafnvexti. \u00dea\u00f0 vaxtastig er til jafns vi\u00f0 ver\u00f0b\u00f3lgu en \u00e1 m\u00f3ti kemur a\u00f0 \u00e1v\u00f6xtunin er sem fyrr segir skattl\u00f6g\u00f0.\u00a0<\/p>\nA\u00f0 framans\u00f6g\u00f0u m\u00e1 sj\u00e1 a\u00f0 miklu m\u00e1li skiptir hvernig sparna\u00f0i heimilisins er fyrir komi\u00f0. Heldur sparna\u00f0urinn ver\u00f0gildi s\u00ednu e\u00f0a er hann a\u00f0 r\u00fdrna. Sparifj\u00e1reigendur eru a\u00f0 tapa peningum me\u00f0 \u00fev\u00ed a\u00f0 geyma f\u00e9 sitt \u00e1 innl\u00e1nsreikningum sem bera neikv\u00e6\u00f0a raun\u00e1v\u00f6xtun. Hversu miklu \u00feeir tapa er erfitt a\u00f0 reikna \u00fat \u00fear sem ekki liggja fyrir uppl\u00fdsingar \u00far bankakerfinu hversu h\u00e1ar fj\u00e1rh\u00e6\u00f0ir eru inni \u00e1 hverju innl\u00e1nsformi fyrir sig. \u00de\u00f3 liggur fyrir a\u00f0 heildarinnl\u00e1n vi\u00f0skiptabankanna eru r\u00famir 1.500 milljar\u00f0ar og er hlutur heimila \u00ed heildarinnl\u00e1num um 600 milljar\u00f0ar kr\u00f3na, \u00fear af eru um 370 milljar\u00f0ar \u00e1 \u00f3ver\u00f0trygg\u00f0um reikningum. H\u00e9r er um h\u00e1ar fj\u00e1rh\u00e6\u00f0ir a\u00f0 r\u00e6\u00f0a. \u00dea\u00f0 er \u00fev\u00ed miki\u00f0 hagsmunam\u00e1l fyrir heimilin \u00ed landinu a\u00f0 raunvextir af innl\u00e1num s\u00e9u j\u00e1kv\u00e6\u00f0ir.<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"
\u00dea\u00f0 er gott a\u00f0 spara. Sparna\u00f0ur \u00e1 a\u00f0 vera hluti af heimilisb\u00f3khaldinu. Meirihluti sparna\u00f0ar landsmanna liggur \u00ed bankakerfinu. Innist\u00e6\u00f0ur vi\u00f0skiptabankanna jukust um 50 milljar\u00f0a \u00e1 fyrri helmingi \u00e1rsins 2013.<\/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\/76"}],"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=76"}],"version-history":[{"count":0,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/posts\/76\/revisions"}],"wp:attachment":[{"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/media?parent=76"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/categories?post=76"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/workspace.cohnwolfe.is\/index.php\/wp-json\/wp\/v2\/tags?post=76"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}