{"id":6738,"date":"2024-09-18T22:01:48","date_gmt":"2024-09-18T22:01:48","guid":{"rendered":"https:\/\/24fo.news\/?p=6738"},"modified":"2024-09-18T22:12:49","modified_gmt":"2024-09-18T22:12:49","slug":"fundur-i-foeroya-vadaradi-6-septembur-2024","status":"publish","type":"post","link":"https:\/\/24fo.news\/index.php\/2024\/09\/18\/fundur-i-foeroya-vadaradi-6-septembur-2024\/","title":{"rendered":"Fundur \u00ed F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0i 6. septembur 2024"},"content":{"rendered":"\n

F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 sjeyogtj\u00fagunda fundin og metir framvegis, at ta\u00f0 ikki eru tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 varnast, at fyrrverandi lutfalsliga h\u00f8gi \u00fatl\u00e1nsv\u00f8ksturin \u00ed f\u00f8royska bankageiranum er minka\u00f0ur. \u00datl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku bankunum er l\u00e6kka\u00f0ur st\u00f8\u00f0ugt s\u00ed\u00f0ani \u00e1rsskifti\u00f0 og var 5,5% \u00ed juli 2024. \u00datl\u00e1nsv\u00f8ksturin stavar framvegis fr\u00e1 \u00fatl\u00e1num til almenn fel\u00f8g og kommunur, men \u00fatl\u00e1nsv\u00f8ksturin til privatu vinnuna er vor\u00f0in negativur og togar ni\u00f0ur \u00ed samla\u00f0a \u00fatl\u00e1nsv\u00f8ksturin. Innl\u00e1nsyvirskoti\u00f0 \u00ed f\u00f8roysku bankunum var \u00ed mars 2024 \u00e1 s\u00ednum l\u00e6gsta stigi \u00ed 10 \u00e1r, men er s\u00ed\u00f0ani \u00f8kt munandi, i\u00f0 F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 heldur ver\u00f0a jaligt. B\u00faskaparligu lyklat\u00f8lini benda \u00e1, at f\u00f8royski b\u00faskapurin framvegis er \u00ed framgongd. Arbei\u00f0sloysi\u00f0 er l\u00e1gt, stavsf\u00f3lkatali\u00f0 h\u00f8gt og l\u00f8nargjaldingarnar veksandi. Harumframt er avlopi\u00f0 \u00e1 handilsjavnanum st\u00f3rt og bjartskygni\u00f0 hj\u00e1 h\u00fasarhaldunum er \u00f8kt. F\u00f8roysku h\u00fasarhaldini tykjast at hava veri\u00f0 n\u00f3g v\u00e6l fyri f\u00edggjarliga til at kunna m\u00f8ta st\u00f3ru pr\u00eds- og rentuh\u00e6kkingunum, i\u00f0 hava veri\u00f0 seinastu tvey \u00e1rini.<\/em><\/h2>\n\n\n\n

\u00c1v\u00edsarnir v\u00edsa framvegis, at ta\u00f0 er framgongd \u00ed f\u00f8royska b\u00faskapinum. Metti v\u00f8ksturin \u00ed BT\u00da \u00ed leypandi pr\u00edsum \u00e1 4,7% \u00ed 2024 og 3,3% \u00ed 2025 bendir ikki \u00e1 ein h\u00f8gan realan b\u00faskaparv\u00f8kstur s\u00e6\u00f0 \u00ed mun til at inflati\u00f3nin er 3% (2. \u00e1rsfj. 2024), men lyklat\u00f8lini benda kortini \u00e1 ein sterkan b\u00faskap. Arbei\u00f0smarkna\u00f0urn er framvegis tr\u00fdstur; arbei\u00f0sloysi\u00f0 er sera l\u00e1gt (1,1% \u00ed juli 2024), starvsf\u00f3lkatali\u00f0 h\u00f8gt og l\u00f8nargjaldingarnar veksandi, og harumframt er avlopi\u00f0 \u00e1 handilsjavnanum st\u00f3rt.<\/p>\n\n\n\n

Higartil tykjast h\u00fasarhaldini at hava veri\u00f0 n\u00f3g v\u00e6l fyri f\u00edggjarliga til at kunna standa \u00edm\u00f3ti st\u00f3ru pr\u00eds- og rentuh\u00e6kkingunum, sum hava veri\u00f0 tvey tey seinastu \u00e1rini. Inflati\u00f3nin er l\u00e6kka\u00f0 og h\u00fasarhaldini eru bjartskygd eftir at hava fingi\u00f0 l\u00f8narh\u00e6kkingar og skattal\u00e6tta. Harumframt hava h\u00fasarhaldini \u00fatlit til b\u00e6\u00f0i l\u00e6kkandi inflati\u00f3n og rentur, og ta\u00f0 stu\u00f0lar uppundir n\u00fdtsluna komandi t\u00ed\u00f0ina. H\u00fasarhald, i\u00f0 hava eina skuld omanfyri 2 mi\u00f3. kr. og samstundis skylda meir enn 3 fer\u00f0ir innt\u00f8kuna, eru \u00f8kt fr\u00e1 4% av samla\u00f0u h\u00fasarhaldunum \u00ed 2022 til 5% \u00ed 2023. Sostatt hava n\u00f3gv tey flestu h\u00fasarhaldini framvegis eitt l\u00e1gt skuldarlutfall.<\/p>\n\n\n\n

\u00datl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku bankunum var 5,5% \u00ed juli 2024, rokna\u00f0 sum eitt 3 m\u00e1na\u00f0ar mi\u00f0altal. \u00datl\u00e1nsv\u00f8ksturin er minka\u00f0ur st\u00f8\u00f0ugt s\u00ed\u00f0ani \u00e1rslok 2023, t\u00e1 i\u00f0 hann var \u00e1 s\u00ednum h\u00e6gsta stigi \u00ed 10 \u00e1r. \u00datl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku bankunum stavar framvegis fr\u00e1 \u00fatl\u00e1num til almenn fel\u00f8g og kommunur, og s\u00ed\u00f0ani til h\u00fasarhald. \u00datl\u00e1nsv\u00f8ksturin til privatu vinnuna hevur hinvegin veri\u00f0 minkandi seinasta \u00e1ri\u00f0, og var negativur \u00ed juli 2024. \u00datl\u00e1nini til privatu vinnuna eru til d\u00f8mis minka\u00f0i \u00ed vinnugreinunum bygging og v\u00f8ruframlei\u00f0sla. Negativi \u00fatl\u00e1nsv\u00f8ksturin til privatu vinnuna togar sostatt ni\u00f0ur \u00ed samla\u00f0a \u00fatl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku bankunum.<\/p>\n\n\n\n

Eftirspurningurin hj\u00e1 f\u00f8roysku h\u00fasarhaldunum eftir donskum realkredittl\u00e1num er framvegis l\u00e1gur; \u00fatl\u00e1nsv\u00f8ksturin hj\u00e1 realkredittstovnunum er enn negativur, og togar t\u00ed ni\u00f0ur \u00ed \u00fatl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku og donsku peninga- og realkredittstovnum tilsamans, i\u00f0 var 4,2% \u00ed juli 2024. <\/p>\n\n\n\n

\u00datl\u00e1nini til kommunur og almenn fel\u00f8g hava veri\u00f0 veksandi \u00ed fleiri \u00e1r \u00e1 ra\u00f0. \u00datl\u00e1nsv\u00f8ksturin er serliga h\u00f8gur til almennu fel\u00f8gini \u00ed l\u00f8tuni, men skuldin hj\u00e1 almennu fel\u00f8gunum \u00ed f\u00f8roysku bankunum er bert \u00e1lei\u00f0 ein tri\u00f0ingur til st\u00f8ddar samanbori\u00f0 vi\u00f0 skuldini hj\u00e1 kommununum. Kommunurnar hava \u00f8kt um l\u00e1nt\u00f8kuna vi\u00f0 300 mi\u00f3. kr. s\u00ed\u00f0ani mai 2023. T\u00f3rshavnar- og Klaksv\u00edkar kommuna h\u00f8vdu \u00ed juni 2024 eina skuld \u00e1 umlei\u00f0 400 mi\u00f3. kr. \u00ed part, og skuldin hj\u00e1 Runav\u00edkar kommunu n\u00e6rkast 200 mi\u00f3. kr. Skuldin hj\u00e1 hesum trimum kommununum er 1 mia. kr. tilsamans burturav teimum 1,7 mia. kr., sum kommunurnar tilsamans skylda \u00ed f\u00f8roysku bankunum. Kommunurnar hava millum anna\u00f0 fingi\u00f0 f\u00edgging til at byggja havnir og betra um undirst\u00f8\u00f0ukervi\u00f0 (vegir), \u00edme\u00f0an f\u00edgging er veitt til almenn fel\u00f8g, i\u00f0 virka innan b\u00fasta\u00f0arbygging, samskifti, flutning og elframlei\u00f0slu. <\/p>\n\n\n\n

V\u00f8ksturin \u00ed innl\u00e1num fr\u00e1 f\u00f8royskum kundum hevur veri\u00f0 veksandi seinastu 4 m\u00e1na\u00f0irnar; \u00ed mars 2024 var innl\u00e1nsv\u00f8ksturin -0,4%, me\u00f0an hann var 2,7% \u00ed juli 2024. Ta\u00f0 eru h\u00fasarhaldini og privata vinnan, sum eru ors\u00f8k til veksandi innl\u00e1nini \u00ed f\u00f8roysku bankunum. Innl\u00e1n vi\u00f0 longri uppsagnart\u00ed\u00f0 eru \u00f8kt, og ta\u00f0 kemur helst av h\u00e6kka\u00f0u innl\u00e1nsrentuni. Innl\u00e1nsyvirskoti\u00f0 \u00ed f\u00f8roysku bankunum \u00edrokna\u00f0 gr\u00f8nlendsku deildina hj\u00e1 F\u00f8roya Banka var 1,3 mia. kr. \u00ed juli 2024, og ta\u00f0 er ein st\u00f3r \u00f8king fr\u00e1 teimum 239 mi\u00f3. kr., sum bankarnir h\u00f8vdu \u00ed innl\u00e1nsyvirskoti \u00ed mars 2024, t\u00e1 i\u00f0 innl\u00e1nsyvirskoti\u00f0 var \u00e1 s\u00ednum l\u00e6gsta stigi \u00ed 10 \u00e1r.<\/p>\n\n\n\n

F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 metir, at ta\u00f0 ikki eru grei\u00f0 tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum, men varnast h\u00f8ga \u00fatl\u00e1nsv\u00f8ksturin til kommunurnar og almennu fel\u00f8gini, i\u00f0 er ein \u00f3beinlei\u00f0is eksponering hj\u00e1 landskassanum. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 eyglei\u00f0ir framvegis vi\u00f0urskifti, i\u00f0 hava \u00e1virkan \u00e1 f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0 \u00ed F\u00f8royum.<\/p>\n\n\n\n

Onnur evni<\/strong><\/p>\n\n\n\n

\u00datl\u00e1nskanning. <\/strong>\u00cd \u00fatl\u00e1nskanningini fr\u00e1 \u00f8\u00f0rum \u00e1rsfj\u00f3r\u00f0ingi 2024 svara bankarnir, at f\u00edggjarliga st\u00f8\u00f0an hj\u00e1 privat- og vinnukundum hevur fingi\u00f0 eitt l\u00edti\u00f0 afturstig avverkfallinum, sum var \u00ed mai og juni. Bankarnir meta samstundis, at f\u00edggjarliga st\u00f8\u00f0an hj\u00e1 b\u00e6\u00f0i privat- og vinnukundunum fer at batna \u00ed tri\u00f0ja \u00e1rsfj\u00f3r\u00f0ingi 2024 orsaka\u00f0 av rentul\u00e6kkingum. Bankarnir bo\u00f0a framvegis ikki fr\u00e1 fleiri trotum ella fyrispurningum um sk\u00e1ar \u00e1 l\u00e1num fr\u00e1 s\u00ednum privatkundum.<\/p>\n\n\n\n

Tap og avsetingar. <\/strong>F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur fingi\u00f0 hagt\u00f8l fr\u00e1 F\u00edggjareftirlitinum um tap og avsetingar hj\u00e1 f\u00f8roysku bankunum. Avsetingarnar hj\u00e1 bankunum v\u00f3ru vi\u00f0 \u00e1rslok 2023 2% av \u00fatl\u00e1nunum hj\u00e1 bankunum, me\u00f0an tapini v\u00f3ru 0,1%. Higartil \u00ed 2024 (fyrra h\u00e1lv\u00e1ri), hava bankarnir framvegis avsetingar fyri 2% av \u00fatl\u00e1nunum, me\u00f0an tapini eru ni\u00f0anfyri 0,1% av samla\u00f0u \u00fatl\u00e1nunum hj\u00e1 bankunum. <\/p>\n\n\n\n

Ni\u00f0urst\u00f8\u00f0a hj\u00e1 F\u00edggjareftirlitinum. <\/strong>\u00cd november 2023 almannakunngj\u00f8rdi F\u00edggjareftirliti\u00f0 eitt upprit vi\u00f0 t\u00ed ni\u00f0urst\u00f8\u00f0u, at bankar og realkredittstovnar, i\u00f0 l\u00e6na \u00fat \u00ed F\u00f8royum og Gr\u00f8nlandi, ikki longur kunnu \u00e1seta l\u00e6gri v\u00e1\u00f0avekt \u00e1 \u00fatl\u00e1n til b\u00fasta\u00f0ir og vinnubygningar. Grundgevingin var, at F\u00edggjareftirliti\u00f0 ikki kundi skjalpr\u00f3gva, at ta\u00f0 ikki finst ein v\u00e6lvirkandi, framkomin seth\u00fasamarkna\u00f0ur \u00ed F\u00f8royum og Gr\u00f8nlandi. F\u00edggjareftirliti\u00f0 er eftirfylgjandi komin til ta ni\u00f0urst\u00f8\u00f0u (2. September 2024), at F\u00edggjareftirliti\u00f0 kann skjalpr\u00f3gva, at ta\u00f0 finst ein v\u00e6lvirkandi og framkomin seth\u00fasa-markna\u00f0ur fyri b\u00fasta\u00f0ir, i\u00f0 vera n\u00fdttir \u00e1ri\u00f0 runt, uttan mun til um b\u00fasta\u00f0urin ver\u00f0ur n\u00fdttur av eigaranum sj\u00e1lvum ella leiga\u00f0ur \u00fat, men ikki fyri onnur sl\u00f8g av b\u00fast\u00f8\u00f0um ella vinnu-bygningum \u00ed F\u00f8royum og Gr\u00f8nlandi. Ta\u00f0 merkir \u00ed roynd og veru, at bankarnir skulu leggja meira kapitali til s\u00ed\u00f0is enn \u00e1\u00f0ur, t\u00e1 i\u00f0 teir l\u00e6na \u00fat til eitt n\u00fa \u00edb\u00fa\u00f0arblokkar, i\u00f0 ver\u00f0a n\u00fdttir til at leiga \u00fat.<\/p>\n\n\n\n

Kelda: Landsbanki F\u00f8roya<\/p>\n","protected":false},"excerpt":{"rendered":"

F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 sjeyogtj\u00fagunda fundin og metir framvegis, at ta\u00f0 ikki eru tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 varnast, at fyrrverandi lutfalsliga…<\/p>\n","protected":false},"author":1,"featured_media":4229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[131],"tags":[],"class_list":["post-6738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-folk-og-samfelag"],"_links":{"self":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/6738","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=6738"}],"version-history":[{"count":2,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/6738\/revisions"}],"predecessor-version":[{"id":6745,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/6738\/revisions\/6745"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media\/4229"}],"wp:attachment":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media?parent=6738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/categories?post=6738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/tags?post=6738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}