\u00dea\u00f0 v\u00e6ri rangt a\u00f0 segja a\u00f0 deilurnar um gengistrygg\u00f0u l\u00e1nin s\u00e9u einfaldar. \u00de\u00f3 finnst m\u00e9r hvoru tveggja sem n\u00fa er \u00ed\u00ad umr\u00e6\u00f0unni, \u00fe.e. a\u00f0 samningarnir fyrir utan gengistrygginguna standi og a\u00f0 n\u00fa eigi a\u00f0 fara a\u00f0 borga eftir v\u00f6xtum se\u00f0labankans, vart geta sta\u00f0ist.
\n\u00ed\u008d m\u00ed\u00adnum huga l\u00ed\u00adtur \u00feetta \u00feannig \u00fat a\u00f0 \u00f6nnur af tveimur forsendum fyrir samningunum, \u00fe.e. gengistrygging og vextir, hafi veri\u00f0 felld \u00far gildi. \u00dear me\u00f0 hlj\u00f3ta samningarnir \u00ed\u00ad heild sinni a\u00f0 vera fallnir \u00far gildi. Enda ef \u00e9g semdi um a\u00f0 borga einhverjum 20.000 kr\u00f3nur fyrir a\u00f0 sl\u00e1 gar\u00f0inn minn og losa mig vi\u00f0 \u00farganginn \u00fe\u00e1 mundi \u00e9g ekki borga ef hann ger\u00f0i bara anna\u00f0. L\u00e1ntakendur eiga \u00fev\u00ed\u00ad au\u00f0vita\u00f0 ekki a\u00f0 halda \u00e1fram a\u00f0 borga mi\u00f0a\u00f0 vi\u00f0 \u00fe\u00e6r forsendur sem l\u00e1nastofnanir gefa s\u00e9r.
\nEinnig er f\u00e1r\u00e1nlegt a\u00f0 hugsa s\u00e9r einhverja \u00fej\u00f3\u00f0ars\u00e1tt \u00fear sem \u00feeir sem t\u00f3ku gengistrygg\u00f0 l\u00e1n fallast \u00e1 a\u00f0 borga meira en \u00feeir eiga m\u00f6gulega a\u00f0 gera og hinir sem eru me\u00f0 ver\u00f0trygg\u00f0 l\u00e1n f\u00e1 \u00feau l\u00e6kku\u00f0. \u00c9g er sj\u00e1lfur me\u00f0 ver\u00f0trygg\u00f0 l\u00e1n og m\u00e9r finnst \u00feessi lei\u00f0 \u00f3sanngj\u00f6rn.
\nHins vegar hlj\u00f3ta gengistrygg\u00f0u l\u00e1nin \u00f6ll a\u00f0 vera \u00f3l\u00f6gleg, l\u00ed\u00adka \u00feau sem b\u00fai\u00f0 er a\u00f0 grei\u00f0a upp. Vextirnir \u00e1 \u00feeim voru a\u00f0 gefinni \u00feeirri forsendu a\u00f0 \u00feau v\u00e6ru gengistrygg\u00f0 og fyrst s\u00fa gengistrygging er \u00f3l\u00f6gleg hlj\u00f3ta vextirnir l\u00ed\u00adka a\u00f0 vera fallnir \u00far gildi eins og samningarnir allir.
\n\u00dea\u00f0 sem eftir stendur er a\u00f0 \u00fea\u00f0 \u00fearf a\u00f0 reikna \u00fat hva\u00f0 hver l\u00e1ntakandi skuldar (l\u00ed\u00adka \u00feeir sem eru b\u00fanir a\u00f0 grei\u00f0a upp s\u00ed\u00adn l\u00e1n) og semja upp \u00e1 n\u00fdtt um grei\u00f0slu \u00feeirrar skuldar, e\u00f0a endurgrei\u00f0slu til \u00feeirra sem hafa ofgreitt. Vi\u00f0 hva\u00f0a vexti \u00e1 a\u00f0 mi\u00f0a \u00ed\u00ad \u00feessum \u00fatreikningi hl\u00fdtur a\u00f0 vera samningsatri\u00f0i milli skuldara og l\u00e1nveitanda.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u00dea\u00f0 v\u00e6ri rangt a\u00f0 segja a\u00f0 deilurnar um gengistrygg\u00f0u l\u00e1nin s\u00e9u einfaldar. \u00de\u00f3 finnst m\u00e9r hvoru tveggja sem n\u00fa er \u00ed\u00ad umr\u00e6\u00f0unni, \u00fe.e. a\u00f0 samningarnir fyrir utan gengistrygginguna standi og a\u00f0 n\u00fa eigi a\u00f0 fara a\u00f0 borga eftir v\u00f6xtum se\u00f0labankans, vart geta sta\u00f0ist. \u00ed\u008d m\u00ed\u00adnum huga l\u00ed\u00adtur \u00feetta \u00feannig \u00fat a\u00f0 \u00f6nnur af tveimur forsendum […]<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-808","post","type-post","status-publish","format-standard","hentry","category-fjarmal"],"_links":{"self":[{"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/posts\/808","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=808"}],"version-history":[{"count":0,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/posts\/808\/revisions"}],"wp:attachment":[{"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/media?parent=808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/categories?post=808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truflun.net\/daniel\/wp-json\/wp\/v2\/tags?post=808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}