Hva\u00f0 er eiginlega \u00e1 sey\u00f0i? Samkv\u00e6mt teljaranum m\u00ed\u00adnum sko\u00f0u\u00f0u r\u00famlega 340 manns bloggi\u00f0 mitt \u00ed\u00ad g\u00e6r (\u00fe.e. meira en 340 mismunandi t\u00f6lvur) og \u00fea\u00f0 sem af er deginum \u00ed\u00ad dag eru komnir 287! Kannski hafa allir svona mikinn \u00e1huga \u00e1 hugrenningum m\u00ed\u00adnum um \u00ed\u00adb\u00fa\u00f0al\u00e1nin? \u00c9g \u00e6tla \u00fe\u00e1 a\u00f0 spjalla a\u00f0eins meira um \u00feau, \u00fev\u00ed\u00ad \u00e9g hef komist a\u00f0 \u00fdmsu fr\u00e1 \u00fev\u00ed\u00ad \u00ed\u00ad g\u00e6r. T.d.:<\/p>\n
1. Ver\u00f0a menn a\u00f0 vera \u00e1skrifendur a\u00f0 a.m.k. \u00feremur mismunandi \u00fej\u00f3nustum hj\u00e1 bankanum til a\u00f0 f\u00e1 svona l\u00e1n, t.d. grei\u00f0sludreifingu, grei\u00f0slukorti e.\u00fe.h. (\u00deetta kostar svo au\u00f0vita\u00f0 allt aukapening)<\/p>\n
2. Ver\u00f0ur l\u00e1ni\u00f0 a\u00f0 vera \u00e1 1. ve\u00f0r\u00e9tt svo ekki er h\u00e6gt a\u00f0 nota \u00fea\u00f0 til a\u00f0 grei\u00f0a einungis upp \u00f3hagst\u00e6\u00f0 l\u00e1n. Heldur ver\u00f0ur a\u00f0 grei\u00f0a upp a.m.k. l\u00e1ni\u00f0 sem er \u00e1 1. ve\u00f0r\u00e9tt (yfirleitt \u00ed\u008db\u00fa\u00f0asj\u00f3\u00f0sl\u00e1n). \u00deetta \u00fe\u00fd\u00f0ir l\u00ed\u00adka \u00ed\u00ad samhengi vi\u00f0 1. a\u00f0 \u00fe\u00fa getur ekki selt h\u00fasi\u00f0 \u00feitt nema a\u00f0ila sem er \u00ed\u00ad vi\u00f0skiptum vi\u00f0 sama banka og \u00fe\u00fa og er tilb\u00fainn a\u00f0 taka \u00e1 sig skilm\u00e1lana e\u00f0a a\u00f0 \u00fe\u00fa ver\u00f0ur a\u00f0 borga l\u00e1ni\u00f0 upp. \u00ed\u008d raun ver\u00f0ur h\u00fasi\u00f0 \u00fev\u00ed\u00ad n\u00e1nast \u00f3seljanlegt.<\/p>\n
3. Er ekki h\u00e6gt a\u00f0 borga inn \u00e1 l\u00e1ni\u00f0 og minnka \u00feannig grei\u00f0slubyr\u00f0i og vaxtakostna\u00f0. \u00dea\u00f0 ver\u00f0ur a\u00f0 borga allt e\u00f0a ekkert. Menn eru \u00fev\u00ed\u00ad me\u00f0 \u00feessu a\u00f0 gerast \u00fer\u00e6lar bankanna til 25 – 40 \u00e1ra \u00e1n m\u00f6guleika \u00e1 n\u00e1\u00f0un nema \u00feeir vinni form\u00faur \u00ed\u00ad happadr\u00e6tti.<\/p>\n
4. Er alls ekki \u00f6ruggt a\u00f0 l\u00e1ni\u00f0 veiti r\u00e9ttindi til vaxtab\u00f3ta og \u00fear me\u00f0 eru \u00feau um lei\u00f0 or\u00f0in mun \u00f3hagst\u00e6\u00f0ari en l\u00e1n \u00ed\u008db\u00fa\u00f0al\u00e1nasj\u00f3\u00f0s.<\/p>\n
Markmi\u00f0i\u00f0 me\u00f0 \u00feessu er n\u00e1tt\u00farulega a\u00f0 koma \u00ed\u008db\u00fa\u00f0al\u00e1nasj\u00f3\u00f0i \u00ed\u00ad \u00ferot og h\u00e6kka svo vextina \u00feegar \u00fev\u00ed\u00ad er loki\u00f0. \u00dea\u00f0 sama \u00e6tla bankarnir s\u00e9r me\u00f0 L\u00ed\u008dN og l\u00ed\u00adfeyrissj\u00f3\u00f0i. \u00ed\u0081r\u00e1sir banka og tryggingarf\u00e9laga \u00e1 l\u00ed\u00adfeyrissj\u00f3\u00f0akerfi\u00f0 eru reyndar or\u00f0nar svo alvarlegar a\u00f0 \u00fe\u00f6rf v\u00e6ri \u00e1 \u00fev\u00ed\u00ad a\u00f0 einhver g\u00f3\u00f0ur fr\u00e9ttama\u00f0ur t\u00e6ki \u00fea\u00f0 til r\u00e6kilegrar athugunar. Konan sem hringdi \u00ed\u00ad mig fr\u00e1 Allianz \u00ed\u00ad g\u00e6r til a\u00f0 bj\u00f3\u00f0a m\u00e9r l\u00ed\u00adftryggingu var\u00f0 mj\u00f6g hissa \u00feegar \u00e9g benti henni \u00e1 a\u00f0 me\u00f0 \u00feessu v\u00e6ri h\u00fan a\u00f0 stu\u00f0la a\u00f0 ni\u00f0urrifi l\u00ed\u00adfeyrissj\u00f3\u00f0anna og velfer\u00f0arkerfisins og \u00fear me\u00f0 grafa undan allri bar\u00e1ttu verkal\u00fd\u00f0sf\u00e9laganna \u00e1 s\u00ed\u00ad\u00f0ustu \u00f6ld. H\u00fan skildi ekkert hva\u00f0 \u00e9g var a\u00f0 fara.<\/p>\n","protected":false},"excerpt":{"rendered":"
Hva\u00f0 er eiginlega \u00e1 sey\u00f0i? Samkv\u00e6mt teljaranum m\u00ed\u00adnum sko\u00f0u\u00f0u r\u00famlega 340 manns bloggi\u00f0 mitt \u00ed\u00ad g\u00e6r (\u00fe.e. meira en 340 mismunandi t\u00f6lvur) og \u00fea\u00f0 sem af er deginum \u00ed\u00ad dag eru komnir 287! Kannski hafa allir svona mikinn \u00e1huga \u00e1 hugrenningum m\u00ed\u00adnum um \u00ed\u00adb\u00fa\u00f0al\u00e1nin? \u00c9g \u00e6tla \u00fe\u00e1 a\u00f0 spjalla a\u00f0eins meira um \u00feau, \u00fev\u00ed\u00ad \u00e9g […]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-161","post","type-post","status-publish","format-standard","hentry","category-almennt"],"_links":{"self":[{"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/posts\/161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/comments?post=161"}],"version-history":[{"count":0,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/posts\/161\/revisions"}],"wp:attachment":[{"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/media?parent=161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/categories?post=161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/tags?post=161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}