{"id":12057,"date":"2025-11-27T22:47:50","date_gmt":"2025-11-27T22:47:50","guid":{"rendered":"https:\/\/24fo.news\/?p=12057"},"modified":"2025-11-27T22:47:50","modified_gmt":"2025-11-27T22:47:50","slug":"fundur-i-foeroya-vadaradi-21-novembur-2025","status":"publish","type":"post","link":"https:\/\/24fo.news\/index.php\/2025\/11\/27\/fundur-i-foeroya-vadaradi-21-novembur-2025\/","title":{"rendered":"Fundur \u00ed F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0i 21. novembur 2025"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><em>F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 32. fundin og metir, at ta\u00f0 \u00ed l\u00f8tuni ikki eru grei\u00f0 tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0i f\u00f8royska bankageiranum. T\u00f3 hevur st\u00f3rt virksemi\u00f0 veri\u00f0 \u00ed b\u00faskapinum \u00ed n\u00f3gv \u00e1r \u00e1 r\u00e1\u00f0, vi\u00f0 l\u00e1gum arbei\u00f0sloysi og h\u00e6kkandi seth\u00fasapr\u00edsum, og hetta kann vera tekin um, &nbsp;at systemiskir v\u00e1\u00f0ar kunnu vera \u00ed umb\u00fana\u00f0. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 fylgir t\u00ed v\u00e6l vi\u00f0 vi\u00f0urskiftum, sum kunnu \u00e1virka f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0. \u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum var 8,0% \u00ed september 2025 og stavar serliga fr\u00e1 \u00fatl\u00e1num til vinnuna og s\u00ed\u00f0ani til kommunur og h\u00fasarhald. Samb\u00e6rt \u00fatl\u00e1nskanningini hava rentul\u00e6kkingar og l\u00f8narh\u00e6kkingar betra\u00f0 um f\u00edggjarst\u00f8\u00f0una hj\u00e1 b\u00e6\u00f0i vinnu- og privatkundum, og bankarnir siga fr\u00e1, at eftirspurningurin eftir f\u00edgging er \u00f8ktur. Bankarnir v\u00e6nta ikki fleiri rentul\u00e6kkingar \u00ed \u00e1r og meta t\u00ed, at f\u00edggjarst\u00f8\u00f0an hj\u00e1 kundunum ikki fer at betra seg enn meira \u00ed fj\u00f3r\u00f0a \u00e1rsfj\u00f3r\u00f0ingi 2025.<\/em><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Virksemi\u00f0 er framvegis st\u00f3rt \u00ed f\u00f8royska b\u00faskapinum. Arbei\u00f0sloysi\u00f0 var 0,8% \u00ed september 2025, og l\u00f8nargjaldingarnar eru \u00f8ktar vi\u00f0 6,7% \u00ed t\u00ed\u00f0arskei\u00f0inum september 2024 til oktober 2025. \u00datflutningsvir\u00f0i\u00f0 \u00ed august 2025, uppgj\u00f8rt fyri t\u00ed\u00f0arskei\u00f0i\u00f0 september 2024 til august 2025, var 1 mia. kr. st\u00f8rri enn sama t\u00ed\u00f0arskei\u00f0 \u00e1ri\u00f0 fyri. H\u00f3ast laksapr\u00edsurin er l\u00e6kka\u00f0ur \u00ed 2025, er \u00fatflutningsvir\u00f0i\u00f0 av laksi ikki minka\u00f0 n\u00f3gv, t\u00ed n\u00f8gdirnar av \u00fatfluttum laksi eru \u00f8ktar. \u00datflutningsvir\u00f0i\u00f0 av \u00f8\u00f0rum fiskasl\u00f8gum er samstundis h\u00e6kka\u00f0 orsaka\u00f0 av \u00f8ktum pr\u00edsum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Innflutningurin er eisini \u00f8ktur \u00ed sama t\u00ed\u00f0arskei\u00f0i, men \u00ed minni mun enn \u00fatflutningurin; millum anna\u00f0 er innflutningsvir\u00f0i\u00f0 av brennievni l\u00e6kka\u00f0 orsaka\u00f0 av l\u00e6gri oljupr\u00edsum. Ta\u00f0 er &nbsp;t\u00ed framvegis avlop \u00e1 handilsjavnanum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Av t\u00ed at ta\u00f0 v\u00e6ntast l\u00e6gri kvotur av ymsum fiskasl\u00f8gum komandi \u00e1ri\u00f0, ver\u00f0ur \u00farsliti\u00f0 \u00e1 f\u00edggjarl\u00f3gini fyri 2026 v\u00e6ntandi verri, enn upprunaliga mett \u00ed f\u00edggjarl\u00f3garuppskotinum fyri 2026. Hetta kemur b\u00e6\u00f0i av l\u00e6gri innt\u00f8kum fr\u00e1 tilfeingisgj\u00f8ldum og l\u00e6gri skattainnt\u00f8kum fr\u00e1 l\u00f8num hj\u00e1 manningum. Uppskoti\u00f0 til f\u00edggjarl\u00f3g fyri 2026 v\u00edsti frammanundan eitt hall \u00e1 173 mi\u00f3. kr. Ta\u00f0 gagnar ikki f\u00f8royska b\u00faskapinum, at almennu f\u00edggjarvi\u00f0urskiftini ikki eru styrkt \u00ed g\u00f3\u00f0um t\u00ed\u00f0um, t\u00ed ta\u00f0 ger b\u00faskapin meira vi\u00f0kv\u00e6man fyri stoytum, i\u00f0 kunnu koma uttan\u00edfr\u00e1, eitt n\u00fa \u00ed sambandi vi\u00f0 geopolitisku \u00f3vissuna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00f8roysku h\u00fasarhaldini hava fingi\u00f0 l\u00f8narh\u00e6kkingar og skattal\u00e6ttar, og hetta stu\u00f0lar saman vi\u00f0 l\u00e6gri rentum og inflati\u00f3n, undir privatu n\u00fdtsluna. T\u00f8lini fyri kortn\u00fdtslu v\u00edsa, at n\u00fdtslan higartil \u00ed 2025 er st\u00f8rri, enn hon hevur veri\u00f0 undanfarnu \u00e1rini. B\u00fasta\u00f0arpr\u00edsirnir veksa framvegis, og ta\u00f0 bendir b\u00e6\u00f0i \u00e1, at \u00fatbo\u00f0i\u00f0 av b\u00fast\u00f8\u00f0um ikki megnar at fylgja vi\u00f0 eftirspurninginum, og at l\u00e6gri renturnar m\u00f8guliga hava gj\u00f8rt ta\u00f0 gj\u00f8rligt hj\u00e1 fleiri h\u00fasarhaldum at bj\u00f3\u00f0a upp \u00e1 eini seth\u00fas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum var 8,0% \u00ed september 2025, rokna\u00f0 sum eitt 3 m\u00e1na\u00f0ar mi\u00f0altal. \u00datl\u00e1nsv\u00f8ksturin stavar serliga fr\u00e1 \u00fatl\u00e1num til privatu vinnuna og s\u00ed\u00f0ani til kommunur og h\u00fasarhald. \u00datl\u00e1nsv\u00f8ksturin hj\u00e1 donsku realkredittstovnunum var 2,0%, og samla\u00f0i \u00fatl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku og donsku peninga- og realkredittstovnunum var 7,6% \u00ed september 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00datl\u00e1nsv\u00f8ksturin til privatu vinnuna var 12,6% \u00ed september 2025, og hann er sostatt \u00f8ktur n\u00f3gv s\u00ed\u00f0ani t\u00ed\u00f0arskei\u00f0i\u00f0 fr\u00e1 \u00e1 v\u00e1ri 2024 til v\u00e1ri\u00f0 2025, t\u00e1 i\u00f0 hann var negativur. Ta\u00f0 kann vera tilvildarligt n\u00e6r v\u00f8ksturin \u00ed \u00fatl\u00e1num til vinnuna minkar ella veksur. \u00cd seinastuni eru skip og fyrit\u00f8kur handla\u00f0i, og harumframt eru st\u00f3rar verk\u00e6tlanir settar \u00ed verk. \u00datl\u00e1nsv\u00f8ksturin til vinnuna stavar fr\u00e1 \u00f8ktum \u00fatl\u00e1num til tilfeingisvinnuna (fiskivinnuna) og t\u00e6nastuvinnuna (m.a. innan flutning). \u00datl\u00e1nsv\u00f8ksturin til almennu fel\u00f8gini var hinvegin negativur \u00ed september 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00datl\u00e1nsv\u00f8ksturin til kommunurnar var 7,4%, og hann var 6,2% til h\u00fasarhaldini \u00ed september 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Innl\u00e1nini \u00ed f\u00f8roysku bankunum veksa framvegis; innl\u00e1nsv\u00f8ksturin var 13% \u00ed juli 2025 fr\u00e1 f\u00f8royskum kundum. Fr\u00e1 h\u00fasarhaldunum var innl\u00e1nsv\u00f8ksturin 7,8%, og fr\u00e1 privatu vinnuni var hann 16,2% \u00ed september 2025, rokna\u00f0 sum eitt 3 m\u00e1na\u00f0ar mi\u00f0altal. Samla\u00f0a innl\u00e1nsyvirskoti\u00f0 \u00ed f\u00f8roysku bankunum, \u00edrokna\u00f0 deildina hj\u00e1 F\u00f8roya Banka \u00ed Gr\u00f8nlandi, er \u00f8kt vi\u00f0 1,8 mia. kr. fr\u00e1 september 2024 til september 2025 og var 3,2 mia. kr. \u00ed september 2025. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 leggur merki til, at v\u00f8ksturin \u00ed innl\u00e1nsyvirskotinum er st\u00f3rur, men heldur eyga fylgir vi\u00f0, um v\u00f8ksturin v\u00edsir seg at vera varandi ella fyribils.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankarnir uppliva samb\u00e6rt \u00fatl\u00e1nskanningini hj\u00e1 Landsbankanum, at rentul\u00e6kkingar og l\u00f8narh\u00e6kkingar hava betra\u00f0 um f\u00edggjarst\u00f8\u00f0una hj\u00e1 b\u00e6\u00f0i vinnu- og privatkundum, og at eftirspurningurin eftir f\u00edgging er \u00f8ktur. Bankarnir v\u00e6nta ikki fleiri rentul\u00e6kkingar \u00ed 2025 og meta t\u00ed, at f\u00edggjarst\u00f8\u00f0an hj\u00e1 kundunum ikki fer at betra seg enn meira \u00ed fj\u00f3r\u00f0a \u00e1rsfj\u00f3r\u00f0ingi 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 metir, at ta\u00f0 \u00ed l\u00f8tuni ikki eru grei\u00f0 tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum. T\u00f3 hevur st\u00f3rt virksemi\u00f0 veri\u00f0 \u00ed b\u00faskapinum \u00ed n\u00f3gv \u00e1r \u00e1 r\u00e1\u00f0, vi\u00f0 l\u00e1gum arbei\u00f0sloysi og h\u00e6kkandi seth\u00fasapr\u00edsum, og hetta kann vera tekin um, at systemiskir v\u00e1\u00f0ar kunnu vera \u00ed umb\u00fana\u00f0. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 fylgir t\u00ed v\u00e6l vi\u00f0 vi\u00f0urskiftum, sum kunnu \u00e1virka f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0 \u00ed F\u00f8royum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onnur evnir<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e1\u00f0ar\u00e1\u00f0i\u00f0 hevur m.a. fingi\u00f0 kunning um skuld hj\u00e1 f\u00f8royskum fyrit\u00f8kum b\u00fdtt \u00e1 vinnugreinar, og \u00ed&nbsp;hv\u00f8nn mun f\u00f8roysku bankarnir eru kn\u00fdttir at hesi skuld. V\u00e1\u00f0ar\u00e1\u00f0i\u00f0 fekk eisini kunning um stresstestir av f\u00f8roysku peningastovnunum, og um st\u00f8\u00f0una vi\u00f0 arbei\u00f0num at gera n\u00fdggja l\u00f3g um nettrygd. Uppskoti\u00f0 er sent til hoyringar, og hoyringsfreistin er 1. desember 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur harumframt fingi\u00f0 kunning fr\u00e1 danska v\u00e1\u00f0ar\u00e1\u00f0num (Det Systemiske Risikor\u00e5d) um ymsu kapitalkr\u00f8vini, sum bankarnir skulu l\u00faka, og um dagf\u00f8rda h\u00e1ttin at n\u00fdta kontrasykliska kapitalbuffaran. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><sub>Kelda: landsbankin.fo  Mynd 24.fo &#8211; 123rf.com<\/sub> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 32. fundin og metir, at ta\u00f0 \u00ed l\u00f8tuni ikki eru grei\u00f0 tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0i f\u00f8royska bankageiranum. T\u00f3 hevur st\u00f3rt virksemi\u00f0 veri\u00f0&hellip;<\/p>\n","protected":false},"author":1,"featured_media":12058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-12057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vinnutidindir-samfelga-24-fo"],"_links":{"self":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/12057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/comments?post=12057"}],"version-history":[{"count":1,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/12057\/revisions"}],"predecessor-version":[{"id":12059,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/12057\/revisions\/12059"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media\/12058"}],"wp:attachment":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media?parent=12057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/categories?post=12057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/tags?post=12057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}