\u00deessar uppl\u00fdsingar komu fram \u00ed g\u00e6r (10.03.) \u00e1 reglulegum bla\u00f0amannafundi fors\u00e6tis- og fj\u00e1rm\u00e1lar\u00e1\u00f0herra. Uppl\u00fdsingarnar eru fengnar \u00far gagnagrunni um fj\u00e1rm\u00e1l heimilanna, sem Se\u00f0labankinn hefur dregi\u00f0 saman me\u00f0 heimild pers\u00f3nuverndar. \u00cd gagnagrunninum koma fram sundurli\u00f0a\u00f0ar uppl\u00fdsingar um tekjur og gj\u00f6ld, eignir og skuldir, grei\u00f0slubyr\u00f0i l\u00e1na, vanskil o. fl. Tilvist \u00feessa gagnagrunns au\u00f0veldar \u00e1kvar\u00f0anat\u00f6ku um varnara\u00f0ger\u00f0ir var\u00f0andi fj\u00e1rhagsvanda heimilanna \u00ed landinu.<\/p>\n\n\n\n\n\n
Fyrsta spurning er hvort beita eigi almennum a\u00f0ger\u00f0um, sem taka til allra, \u00e1n tillits til s\u00e9rstakra a\u00f0st\u00e6\u00f0na hverrar fj\u00f6lskyldu fyrir sig? E\u00f0a hvort beita eigi s\u00e9rt\u00e6kum a\u00f0ger\u00f0um, sem er \u00f3neitanlega fl\u00f3knara?<\/p>\n
Sem d\u00e6mi um skammt\u00edmaa\u00f0ger\u00f0ir, sem \u00feegar hafa veri\u00f0 l\u00f6gfestar e\u00f0a standa n\u00fa \u00feegar til bo\u00f0a m\u00e1 nefna eftirfarandi: T\u00edmabundin frysting afborgana og mildandi a\u00f0ger\u00f0ir vegna grei\u00f0slu\u00ferota gagnvart innheimtu, fj\u00e1rn\u00e1mi, \u00fatbur\u00f0i, gjald\u00feroti etc.<\/p>\n
Sem d\u00e6mi um almennar a\u00f0ger\u00f0ir m\u00e1 nefna till\u00f6gur Frams\u00f3knarflokksins um 20% flatan ni\u00f0urskur\u00f0 \u00e1 \u00f6llum skuldum heimilanna. \u00der\u00e1tt fyrir \u00feann kost a\u00f0 a\u00f0ger\u00f0in er tilt\u00f6lulega einf\u00f6ld \u00ed framkv\u00e6md, eru \u00f3kostirnir sl\u00edkir a\u00f0 tillagan er \u00f3framkv\u00e6manleg.<\/p>\n
\u00c1 s.l. kj\u00f6rt\u00edmabili ger\u00f0i \u00edhaldi\u00f0 \u00edtreka\u00f0ar atl\u00f6gur a\u00f0 \u00cdb\u00fa\u00f0al\u00e1nasj\u00f3\u00f0i. \u00deeir vildu l\u00e1ta leggja hann ni\u00f0ur og f\u00e6ra \u00fej\u00f3nustuna yfir \u00ed bankana. Sem betur fer t\u00f3kst \u00fea\u00f0 ekki. \u00cdb\u00fa\u00f0al\u00e1nasj\u00f3\u00f0ur, sem er opinber stofnun og me\u00f0 r\u00edkis\u00e1byrg\u00f0, er helsta stj\u00f3rnt\u00e6ki\u00f0 sem til er \u00ed h\u00f6ndum r\u00edkisins til \u00feess a\u00f0 koma til m\u00f3ts vi\u00f0 skuldavanda heimilanna. A\u00f0fer\u00f0in er fyrst og fremst me\u00f0 atbeina laganna um GREI\u00d0SLUA\u00d0L\u00d6GUN<\/b>. H\u00e9r eftir munu \u00e1kv\u00e6\u00f0i laga um grei\u00f0slua\u00f0l\u00f6gun n\u00e1 til h\u00fasn\u00e6\u00f0isl\u00e1na (ve\u00f0l\u00e1na). \u00deessi lei\u00f0 sn\u00fdst um \u00fea\u00f0 a\u00f0 laga grei\u00f0slubyr\u00f0i hvers skuldara a\u00f0 grei\u00f0slugetu hans me\u00f0 s\u00e9rst\u00f6kum samningi.<\/p>\n \u00deessi \u00farr\u00e6\u00f0i eru einstaklingsbundin og kalla \u00e1 samninga milli \u00cdB og einstakra l\u00e1ntakenda.<\/p>\n Fors\u00e6tisr\u00e1\u00f0herra tilkynnti a\u00f0 fyrir vikulok mundi r\u00edkisstj\u00f3rnin kynna till\u00f6gur s\u00ednar um lausn \u00e1 vanda \u00feeirra sem sitja uppi me\u00f0 gengistengd myntk\u00f6rful\u00e1n.<\/p>\n Myndk\u00f6rful\u00e1nin voru tekin hj\u00e1 g\u00f6mlu b\u00f6nkunum. \u00deeir eru n\u00fa \u00ed gjald\u00ferotame\u00f0fer\u00f0. \u00dear me\u00f0 v\u00e6ru \u00feessi l\u00e1n v\u00e6ntanlega afskrifu\u00f0 nema \u00e1 m\u00f3ti komi eignir bankanna upp \u00ed \u00feesar skuldir. Sagt er a\u00f0 \u00feessi l\u00e1n hafi veri\u00f0 yfirf\u00e6r\u00f0 fr\u00e1 g\u00f6mlu b\u00f6nkunum til hinna n\u00fdju me\u00f0 s\u00e9rst\u00f6kum samningi. N\u00fdju bankarnir s\u00f6mdu um tiltekinn afsl\u00e1tt vegna yfirt\u00f6ku l\u00e1nanna. \u00cd \u00feessu efni er \u00fdmsum spurningum \u00f3svara\u00f0. Af hverju n\u00fdtur l\u00e1ntakandinn sj\u00e1lfur ekki \u00feessara afsl\u00e1ttarkjara? Er ekki \u00f3l\u00edklegt a\u00f0 n\u00fdju bankarnir vilji sj\u00e1lfviljugir yfirf\u00e6ra \u00feessi l\u00e1n til \u00cdB, \u00fear sem \u00feeir eygja hagna\u00f0arvon \u00ed innheimtu l\u00e1nanna? \u00c1 a\u00f0 skylda bankana til a\u00f0 yfirf\u00e6ra l\u00e1nin til \u00cdB? Hva\u00f0a l\u00edkur eru \u00e1 \u00fev\u00ed a\u00f0 gengi\u00f0 styrkist n\u00e6gilega (\u00fea\u00f0 hefur n\u00fa \u00feegar styrkst um r\u00famlega 15% fr\u00e1 \u00e1ram\u00f3tum) til \u00feess a\u00f0 l\u00e1ntakandinn sj\u00e1i s\u00e9r hag \u00ed a\u00f0 halda myntk\u00f6rful\u00e1ninu fremur en a\u00f0 l\u00e1ta yfirf\u00e6ra \u00fea\u00f0 \u00ed \u00edkr. \u00e1 ver\u00f0tryggingarkj\u00f6rum? \u00dea\u00f0 stendur upp \u00e1 r\u00edkisstj\u00f3rnina og talsmenn hennar a\u00f0 svara \u00feessum spurningum \u00e1 allra n\u00e6stu d\u00f6gum. Hrun kr\u00f3nunnar tv\u00f6falda\u00f0i skuldabyr\u00f0i \u00feessa h\u00f3ps \u00ed einu vetfangi. Lausn \u00e1 vanda \u00feessa h\u00f3ps ver\u00f0ur \u00fev\u00ed ekki fresta\u00f0 fram yfir kosningar.<\/p>\n Svo stendur eftir st\u00f3ra spurningin um, hvort stj\u00f3rnv\u00f6ld treysta s\u00e9r til a\u00f0 taka k\u00fafinn af hinu t\u00edmabundna ver\u00f0b\u00f3lguskoti vegna gengisfalls kr\u00f3nunnar \u00fat \u00far ver\u00f0tryggingarferlinu? \u00deetta v\u00e6ri almenn a\u00f0ger\u00f0 sem k\u00e6mi \u00f6llum a\u00f0 notum, sem eru me\u00f0 ver\u00f0trygg\u00f0 innlend l\u00e1n. \u00deeir sem yr\u00f0u a\u00f0 borga reikninginn v\u00e6ru r\u00edki\u00f0 (\u00ed gegnum \u00cdB og r\u00edkisbankana) og l\u00edfeyrissj\u00f3\u00f0irnir. \u00datreiknanlegar till\u00f6gur um a\u00f0ger\u00f0 af \u00feessu tagi og kostna\u00f0 henni samfara hafa enn ekki liti\u00f0 dagsins lj\u00f3s. Flestir \u00feeirra sem \u00feekkja vel til \u00feessara m\u00e1la telja \u00f3l\u00edklegt a\u00f0 \u00feessi lei\u00f0 s\u00e9 f\u00e6r af kostna\u00f0ar\u00e1st\u00e6\u00f0um. S\u00e9 \u00fea\u00f0 r\u00e9tt ber a\u00f0 taka af tv\u00edm\u00e6li um \u00fea\u00f0. \u00d3vissan er versti \u00f3vinurinn.<\/p>\n\n
MYNTK\u00d6RFUL\u00c1NIN<\/h2>\n
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J\u00c1, EN HVA\u00d0 ME\u00d0 VER\u00d0TRYGGINGUNA?<\/h2>\n