{"id":171,"date":"2009-09-29T12:00:41","date_gmt":"2009-09-29T12:00:41","guid":{"rendered":"http:\/\/thorkellhelgason.is\/?p=171"},"modified":"2011-04-16T13:50:44","modified_gmt":"2011-04-16T13:50:44","slug":"hvers-konar-ver%c3%b0trygging-2","status":"publish","type":"post","link":"https:\/\/thorkellhelgason.is\/?p=171","title":{"rendered":"Hvers konar ver\u00f0trygging?"},"content":{"rendered":"<p><em>Grein fengin af Visir.is, skrifu\u00f0 29. sep. 2009<\/em><\/p>\n<p>Joseph  Stiglitz, n\u00f3belsver\u00f0launahafi, hefur lagt til a\u00f0 ver\u00f0trygging  l\u00e1na  mi\u00f0ist fremur vi\u00f0 laun en neysluver\u00f0. \u00deannig tengist grei\u00f0slubyr\u00f0in   beint vi\u00f0 afkomu l\u00e1ngrei\u00f0enda. H\u00e6ngurinn er s\u00e1 a\u00f0 til lengdar liti\u00f0   hafa laun h\u00e6kka\u00f0 meira en ver\u00f0lag og svo ver\u00f0ur vonandi \u00ed framt\u00ed\u00f0inni. \u00cd   fr\u00e9tt \u00e1 fors\u00ed\u00f0u Fr\u00e9ttabla\u00f0sins \u00ed g\u00e6r er t.d. bent \u00e1 a\u00f0 launav\u00edsitala   hafi h\u00e6kka\u00f0 um 29% umfram v\u00edsit\u00f6lu neysluver\u00f0s s\u00ed\u00f0an 1991. \u00dev\u00ed er h\u00e6pi\u00f0   a\u00f0 l\u00e1ntakendum s\u00e9 grei\u00f0i ger\u00f0ur me\u00f0 tengingu h\u00f6fu\u00f0st\u00f3ls vi\u00f0 laun.<\/p>\n<p>En   til er svipu\u00f0 en betri lausn. H\u00fan felst \u00ed \u00e1rs\u00adgamalli lagasetningu um   grei\u00f0sluj\u00f6fnun \u00e1 ver\u00f0trygg\u00f0um fasteignave\u00f0l\u00e1num. L\u00e1nin eru samkv\u00e6mt   \u00feessu fyrirkomulagi ver\u00f0trygg\u00f0 mi\u00f0a\u00f0 vi\u00f0 neysluver\u00f0 en grei\u00f0slubyr\u00f0in   a\u00f0l\u00f6gu\u00f0 breytingu \u00e1 launum fr\u00e1 \u00e1rsbyrjun 2008. \u00deannig er byr\u00f0in l\u00e9ttari   n\u00fa en ella v\u00e6ri, og gott betur \u00fev\u00ed einnig er teki\u00f0 tillit til l\u00e6kkandi   atvinnustigs. Aftur \u00e1 m\u00f3ti mun h\u00f6fu\u00f0st\u00f3llinn ekki h\u00e6kka meira en svarar   til h\u00e6kkunar neysluver\u00f0s \u00feegar hagur \u00fej\u00f3\u00f0arinnar fer a\u00f0 v\u00e6nkast og   kaupm\u00e1ttur a\u00f0 vaxa \u00e1 n\u00fd. Undarlegt er a\u00f0 bjargr\u00e1\u00f0i\u00f0 sem felst \u00ed   grei\u00f0sluj\u00f6fnunarl\u00f6gunum hefur l\u00edtt borist almenningi til eyrna og f\u00e1ir   n\u00fdtt s\u00e9r m\u00f6guleikann. L\u00e6kkun \u00e1 grei\u00f0slubyr\u00f0i er vissuleg keypt \u00fev\u00ed ver\u00f0i   a\u00f0 l\u00e1nin lengjast. D\u00e1g\u00f3\u00f0 von er samt til \u00feess a\u00f0 \u00feeir sem n\u00fdta s\u00e9r   grei\u00f0sluj\u00f6fnun s\u00e9u \u00e1 endanum betur settir en me\u00f0 ver\u00f0tryggingu a\u00f0 h\u00e6tti   Stiglitz. Engu a\u00f0 s\u00ed\u00f0ur kann k\u00fafurinn sem b\u00e6tist vi\u00f0 l\u00e1nin a\u00f0 vera   \u00e1st\u00e6\u00f0a \u00feess a\u00f0 lausnin er vann\u00fdtt.<\/p>\n<p>N\u00fa hefur kvisast \u00fat a\u00f0   f\u00e9lagsm\u00e1lar\u00e1\u00f0herra hyggist dusta n\u00fdfalli\u00f0 ryk af grei\u00f0sluj\u00f6fnunarl\u00f6gunum   og gera till\u00f6gur um endurb\u00e6tur og \u00fatv\u00edkkun \u00e1 \u00feeim \u00ed lj\u00f3si reynslunnar.   M.a. mun huga\u00f0 a\u00f0 vi\u00f0laga\u00ad\u00e1kv\u00e6\u00f0i sem taki me\u00f0 samf\u00e9lagslegum h\u00e6tti \u00e1   eftirhreytum grei\u00f0slujafna\u00f0ra l\u00e1na ver\u00f0i \u00fe\u00e6r \u00f3e\u00f0lilega miklar. Till\u00f6gur   r\u00e1\u00f0herrans vir\u00f0ast \u00fev\u00ed b\u00e6\u00f0i snei\u00f0a hj\u00e1 \u00feeim galla sem felst \u00ed tengingu   h\u00f6fu\u00f0st\u00f3ls vi\u00f0 laun og jafnframt stemma stigu vi\u00f0 l\u00f6ngum skuldahala ef   efnahagsbati l\u00e6tur \u00e1 s\u00e9r standa. Gagnr\u00fdni er samt \u00feegar komin \u00e1 kreik,   t.d. \u00ed fyrrgreindri fr\u00e9tt bla\u00f0sins. \u00dej\u00f3\u00f0m\u00e1laumr\u00e6\u00f0a \u00e1 \u00cdslandi er einatt   \u00feannig a\u00f0 byrja\u00f0 er a\u00f0 gagnr\u00fdna \u00e1\u00f0ur en lj\u00f3st er a\u00f0 hverju h\u00fan beinist.   Hvernig v\u00e6ri a\u00f0 sj\u00e1 till\u00f6gur r\u00e1\u00f0herrans \u00e1\u00f0ur en gripi\u00f0 er til vopna?<\/p>\n<p>H\u00f6fundur sat \u00e1 s\u00ednum t\u00edma \u00ed vinnuh\u00f3pi um grei\u00f0sluj\u00f6fnun.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Grein fengin af Visir.is, skrifu\u00f0 29. sep. 2009 Joseph Stiglitz, n\u00f3belsver\u00f0launahafi, hefur lagt til a\u00f0 ver\u00f0trygging l\u00e1na mi\u00f0ist fremur vi\u00f0 laun en neysluver\u00f0. \u00deannig tengist grei\u00f0slubyr\u00f0in beint vi\u00f0 afkomu l\u00e1ngrei\u00f0enda. H\u00e6ngurinn er s\u00e1 a\u00f0 til lengdar liti\u00f0 hafa laun h\u00e6kka\u00f0 meira en ver\u00f0lag og svo ver\u00f0ur vonandi \u00ed framt\u00ed\u00f0inni. \u00cd fr\u00e9tt \u00e1 fors\u00ed\u00f0u Fr\u00e9ttabla\u00f0sins \u00ed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1,30,3],"tags":[10,28],"class_list":["post-171","post","type-post","status-publish","format-standard","hentry","category-eigin-vefsida","category-blogg","category-greinar","tag-almenn-stjornmal","tag-frettabladid"],"_links":{"self":[{"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=\/wp\/v2\/posts\/171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=171"}],"version-history":[{"count":9,"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=\/wp\/v2\/posts\/171\/revisions"}],"predecessor-version":[{"id":981,"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=\/wp\/v2\/posts\/171\/revisions\/981"}],"wp:attachment":[{"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thorkellhelgason.is\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}