F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0<\/p>\n\n\n\n
F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 \u00e1ttaogtj\u00fagunda fundin og metir, at ta\u00f0 ikki eru tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum. Ta\u00f0 eru framvegis tekin um framgongd \u00ed f\u00f8royska b\u00faskapinum, sum millum anna\u00f0 er stu\u00f0la\u00f0 av privatu n\u00fdtsluni. H\u00fasarhaldini hava fingi\u00f0 l\u00f8narh\u00e6kkingar og skattal\u00e6ttar, og privata n\u00fdtslan er ikki st\u00f3rvegis minka\u00f0 nevnivert samb\u00e6rt hagt\u00f8lunum fyri kortb\u00f3kingar, h\u00f3ast l\u00f8narh\u00e6kkingarnar enn ikki hava vunni\u00f0 alla keypiorkuna inn aftur, sum er mist s\u00ed\u00f0ani inflati\u00f3nin byrja\u00f0i at veksa. \u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum var 4,3% \u00ed september 2024 og stavar framvegis fr\u00e1 \u00fatl\u00e1num til almenn fel\u00f8g og kommunur, me\u00f0an \u00fatl\u00e1nsv\u00f8ksturin til privatar fyrit\u00f8kur er negativur.<\/em><\/p>\n\n\n\n Ta\u00f0 eru framvegis tekin \u00e1 framgongd \u00ed f\u00f8royska b\u00faskapinum, og ta\u00f0 er millum anna\u00f0 stu\u00f0la\u00f0 av privatu n\u00fdtsluni. Arbei\u00f0smarkna\u00f0urin er stinnur og arbei\u00f0sloysi\u00f0 er l\u00e1gt. Arbei\u00f0sloysi\u00f0 var 0,8% i oktober 2024, me\u00f0an \u00e1rligu l\u00f8nargjaldingarnar vuksu 6%. H\u00fasarhaldini hava fingi\u00f0 l\u00f8narh\u00e6kkingar og skattal\u00e6ttar. L\u00f8narh\u00e6kkingarnar hava enn ikki vunni\u00f0 alla keypiorkuna inn aftur, sum er mist s\u00ed\u00f0ani inflati\u00f3nin byrja\u00f0i at veksa \u00ed 2022, men hagt\u00f8lini fyri kortb\u00f3kingar v\u00edsa, at f\u00f8royingarnir ikki st\u00f3rvegis hava minka\u00f0 um n\u00fdtsluna, h\u00f3ast hon hevur flutt seg eitt sindur burtur fr\u00e1 kl\u00e6\u00f0um, sk\u00f3m og h\u00fasarhalds\u00fatger\u00f0 yvir \u00ed matv\u00f8rur. Inflati\u00f3nin er l\u00e6kka\u00f0 ni\u00f0ur \u00ed 1,7% \u00ed tri\u00f0ja \u00e1rsfj\u00f3r\u00f0ingi 2024; millum anna\u00f0 toga\u00f0 ni\u00f0ur av rentul\u00e6kkingini, som var\u00f0 fr\u00e1bo\u00f0a\u00f0 \u00ed juni 2024. Eftirfylgjandi hava ta\u00f0 veri\u00f0 tv\u00e6r rentul\u00e6kkingar afturat, som v\u00e6ntandi fara at toga br\u00fakarapr\u00edstali\u00f0 ni\u00f0ur \u00ed fj\u00f3r\u00f0a \u00e1rsfj\u00f3r\u00f0ingi 2024. Ta\u00f0 er framvegis avlop \u00e1 handiljavnanum h\u00f3ast \u00fatflutningurin higartil hevur veri\u00f0 l\u00e6gri \u00ed 2024 samanbori\u00f0 vi\u00f02023, og ta\u00f0 kemur av, at ta\u00f0 samstundis er hend ein l\u00e6kking \u00ed innflutninginum.<\/p>\n\n\n\n Ta\u00f0 er v\u00f8kstur \u00ed seth\u00fasapr\u00edsunum kring alt landi\u00f0, og tali\u00f0 av s\u00f8lum liggur \u00e1 sama st\u00f8\u00f0i \u00ed 2024, sum \u00ed \u00e1runum frammanundan. Seth\u00fasarentan var \u00ed mi\u00f0al 4,99% \u00ed f\u00f8roysku bankunum \u00ed september 2024, me\u00f0an hon var 3,72% \u00edrokna\u00f0 bidrag \u00e1 donskum realkredittl\u00e1num, sum f\u00f8roysk h\u00fasarhald hava sum seth\u00fasaf\u00edgging. Mi\u00f0alrentan \u00e1 realkredittl\u00e1nunum er h\u00e6kka\u00f0 eitt vet s\u00ed\u00f0ani \u00e1 v\u00e1ri\u00f0 2024, og ta\u00f0 kemur av, at summi h\u00fasarhald hava havt realkredittl\u00e1n vi\u00f0 l\u00e1gari rentu \u00ed einum rentubindingart\u00ed\u00f0arskei\u00f0i, sum n\u00fa er li\u00f0i\u00f0 og endurf\u00edggja\u00f0 til eina h\u00e6gri rentu. \u00datl\u00e1nskanning Landsbankans v\u00edsir, at f\u00f8roysku bankarnir ikki meta ta\u00f0 vera broyting \u00ed eftirspurninginum eftir f\u00edgging fr\u00e1 hv\u00f8rki privat- ella vinnukundunum, h\u00f3ast ta\u00f0 hava veri\u00f0 fr\u00e1bo\u00f0a\u00f0 fleiri rentul\u00e6kkingar s\u00ed\u00f0ani \u00e1 sumri 2024, men eftirspurningurin eftir f\u00edgging er \u00f8ktur eitt vet fr\u00e1 n\u00fdggjum privatkundum. <\/p>\n\n\n\n \u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum var 4,3% \u00ed september 2024. \u00datl\u00e1nsv\u00f8ksturin er minka\u00f0ur st\u00f8\u00f0ugt s\u00ed\u00f0ani \u00e1rslok 2023, t\u00e1 i\u00f0 hann var \u00e1 h\u00e6gsta st\u00f8\u00f0i \u00ed 10 \u00e1r. V\u00f8ksturin \u00e1 \u00fatl\u00e1nunum fr\u00e1 donsku realkredittstovnunum til f\u00f8royingar var framvegis negativur; hann var -6,8% \u00ed september 2024. \u00datl\u00e1nsv\u00f8ksturin var 3,5% fr\u00e1 f\u00f8roysku og donsku peninga- og realkredittstovnunum tilsamans \u00ed september 2024, rokna\u00f0 sum eitt 3 m\u00e1na\u00f0ar mi\u00f0altal. \u00datl\u00e1nsv\u00f8ksturin til h\u00fasarhaldini fr\u00e1 f\u00f8roysku bankunum var 6,7% \u00ed september 2024, me\u00f0an hann var -2,6% til vinnuna tilsamans, men -4,5% til privatu vinnuna og 20,2% til almenn fel\u00f8g. \u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum stavar sostatt framvegis fr\u00e1 \u00fatl\u00e1num til almennar fyrit\u00f8kur og kommunur, og s\u00ed\u00f0ani til h\u00fasarhald. \u00c1rligi v\u00f8ksturin \u00ed \u00fatl\u00e1num fr\u00e1 bankunum til kommunurnar var 9,6% \u00ed september 2024. Samla\u00f0a skuldin hj\u00e1 kommununum var 1,7 mia. kr. \u00ed september 2024.<\/p>\n\n\n\n \u00darslitini hj\u00e1 f\u00f8roysku bankunum \u00e1\u00f0renn skatt v\u00f3ru munandi h\u00e6gri \u00ed 2023 samanbori\u00f0 vi\u00f0 undanfarnu \u00e1r. Ta\u00f0 kemur millum anna\u00f0 av eini betri grundinnt\u00f8ku, og at kursjavningar og l\u00e6gri ni\u00f0urskrivingar hava betra\u00f0 um \u00farslitini fyri \u00e1ri\u00f0 2023. V\u00f8ksturin \u00ed grundinnt\u00f8kuni stavar fr\u00e1 einum st\u00f8rri rentumarginali.<\/p>\n\n\n\n Innl\u00e1nini \u00ed f\u00f8roysku bankunum fr\u00e1 f\u00f8royskum kundum h\u00f8vdu ein \u00e1rligan v\u00f8kstur \u00e1 2,7% \u00ed september 2024 rokna\u00f0 sum eitt 3 m\u00e1na\u00f0ar mi\u00f0altal. Innl\u00e1nini fr\u00e1 h\u00fasarhaldunum hava veri\u00f0 st\u00f8\u00f0ugt veksandi s\u00ed\u00f0ani \u00e1 v\u00e1ri 2023 og innl\u00e1nsv\u00f8ksturin var 6,1% hj\u00e1 h\u00fasarhaldunum \u00ed september 2024. Samla\u00f0a innl\u00e1nsvyirskoti\u00f0 hj\u00e1 f\u00f8roysku bankunum var 1,4 mia. kr. \u00ed september 2024.<\/p>\n\n\n\n F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 metir sostatt, at ta\u00f0 ikki eru grei\u00f0 tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum, og heldur framvegis eyga vi\u00f0 vi\u00f0urskiftum, sum kunnu \u00e1virka f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0 \u00ed F\u00f8royum.<\/p>\n\n\n\n Onnu evnir<\/strong><\/p>\n\n\n\n Kredittskr\u00e1in<\/strong> <\/p>\n\n\n\n F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur umvegis kredittskr\u00e1nna kanna\u00f0 st\u00f8ddina av skuld samabori\u00f0 vi\u00f0 pantvir\u00f0i\u00f0 \u00e1 \u00f8llum \u00fatl\u00e1num \u00ed f\u00f8roysku bankunum (\u00edrokna\u00f0 skuld hj\u00e1 f\u00f8royingum \u00ed donskum realkredittstovnum). F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hugt eftir, hvussu st\u00f3r skuldin er samanbori\u00f0 vi\u00f0 pantvir\u00f0i\u00f0 \u00e1 samla\u00f0u \u00fatl\u00e1nunum og \u00e1 n\u00fd\u00fatl\u00e1nunum. V\u00e1\u00f0ar\u00e1\u00f0i\u00f0 hevur harafturat kanna\u00f0, hvussu skuldin s\u00e6r \u00fat hj\u00e1 teimum, sum hava eina skuld omanfyri 2 mio. kr. og samstundis skylda meir enn 5 fer\u00f0ir \u00e1rligu bruttoinnt\u00f8kuna hj\u00e1 h\u00fasarhaldinum. Flestu h\u00fasarhaldini, sum skylda meir enn 2 mio. kr. og hava eitt skuldarlutfall omanfyri 5, hava eina broytiliga rentu, men gjalda samstundis ni\u00f0ur \u00e1 skuldina, og ta\u00f0 ger tey meira f\u00edggjarliga m\u00f3tst\u00f8\u00f0uf\u00f8r.<\/p>\n\n\n\n Nettrygd<\/strong><\/p>\n\n\n\n F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur fingi\u00f0 kunning um netttrygdar\u00e6tlanina, og hvar \u00ed tilgondini f\u00f8roysku myndugleikarnir eru \u00ed m\u00e1linum um at seta \u00e1 stovn og seta \u00ed verk tilb\u00fagvingina fyri nettrygd. <\/p>\n\n\n\n Kelda: landsbankin.fo<\/sup><\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" Ta\u00f0 eru framvegis tekin \u00e1 framgongd \u00ed f\u00f8royska b\u00faskapinum, og ta\u00f0 er millum anna\u00f0 stu\u00f0la\u00f0 av privatu n\u00fdtsluni. Arbei\u00f0smarkna\u00f0urin er stinnur og arbei\u00f0sloysi\u00f0 er l\u00e1gt. Hetta skrivar Landsbankin \u00e1 teirra…<\/p>\n","protected":false},"author":1,"featured_media":7770,"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-7769","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\/7769","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=7769"}],"version-history":[{"count":1,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/7769\/revisions"}],"predecessor-version":[{"id":7771,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/7769\/revisions\/7771"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media\/7770"}],"wp:attachment":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media?parent=7769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/categories?post=7769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/tags?post=7769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}