{"id":7814,"date":"2024-12-11T19:00:23","date_gmt":"2024-12-11T19:00:23","guid":{"rendered":"https:\/\/24fo.news\/?p=7814"},"modified":"2024-12-11T19:02:52","modified_gmt":"2024-12-11T19:02:52","slug":"roer-landsbankin-framundir-at-sethusaprisirnir-kunnu-laekka","status":"publish","type":"post","link":"https:\/\/24fo.news\/index.php\/2024\/12\/11\/roer-landsbankin-framundir-at-sethusaprisirnir-kunnu-laekka\/","title":{"rendered":"R\u00f8r landsbankin framundir at seth\u00fasapr\u00edsirnir kunnu l\u00e6kka?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u00cd bestu t\u00ed\u00f0um \u00ed F\u00f8royum hevur Landsbankin \u00e1hugaverda grein \/ greining \u00e1 heimas\u00ed\u00f0uni har tey tosa um hvat ey\u00f0kennir eina f\u00edggjarkreppu, tey nevna h\u00f8gur b\u00faskaparv\u00f8kstur, st\u00f3rar pr\u00edsh\u00e6kkingar \u00e1 seth\u00fasum. St\u00f3rt bjartskygni (um t.d. veksandi seth\u00fasapr\u00edsir) St\u00f3rur v\u00f8kstur \u00ed skuld hj\u00e1 h\u00fasarhaldum og fyrit\u00f8kum.\u00a0 Hetta virkar eitt sindur ey\u00f0kent og tey v\u00edsa til danskan professara. Spurningurin er um Landsbankin millum linjurnar roynir at \u00e1vara um eina m\u00f8guliga f\u00edggjarkreppu. Greiningin kann lesast her. \u00a0\u00a0\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hvat ey\u00f0kennir f\u00edggjarkreppur?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finn \u00d8strup, professari \u00e1 Copenhagen Business School hevur granska\u00f0 danskar f\u00edggjarkreppur aftur til 1300 tali\u00f0. Samb\u00e6rt \u00d8strup gera hesi f\u00fdra vi\u00f0urskifti seg galdandi \u00ed \u00e1runum undan eini f\u00edggjarkreppu:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00f8gur b\u00faskaparv\u00f8kstur<br>St\u00f3rar pr\u00edsh\u00e6kkingar \u00e1 ognum (seth\u00fasum og vir\u00f0isbr\u00f8vum)<br>St\u00f3rt bjartskygni (um t.d. veksandi seth\u00fasapr\u00edsir)<br>St\u00f3rur v\u00f8kstur \u00ed skuld hj\u00e1 h\u00fasarhaldum og fyrit\u00f8kum.&nbsp; &nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samb\u00e6rt \u00d8strup hevur danski b\u00faskapurin seinastu 10 \u00e1rini veri\u00f0 ey\u00f0kendur av trimum teimum fyrstu punktunum. Ta\u00f0 sama kann sigast um f\u00f8royska b\u00faskapin; hann hevur seinastu 10 \u00e1rini veri\u00f0 ey\u00f0kendur av h\u00f8gum b\u00faskaparv\u00f8kstri, st\u00f3rum pr\u00edsh\u00e6kkingum \u00e1 seth\u00fasamarkna\u00f0inum, og partv\u00edst v\u00e6ntanir um veksandi seth\u00fasapr\u00edsir (bjartskygni)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fj\u00f3r\u00f0a punkti\u00f0; st\u00f3rur skuldarv\u00f8kstur, ey\u00f0kennir ikki danska b\u00faskapin \u00ed l\u00f8tuni, metir \u00d8strup, t\u00ed donsku h\u00fasarhaldini eru als ikki eins skuldarbundin \u00ed dag, sum tey v\u00f3ru undan kreppuni \u00ed 90\u2019unum og \u00ed 2008. Heldur ikki f\u00f8roysku h\u00fasarhaldini eru so skuldarbundin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Flestu f\u00f8roysku h\u00fasarhaldini hava \u00ed dag eitt l\u00e1gt skuldarlutfall; einans 5% av f\u00f8roysku h\u00fasarhaldunum, sum hava eina skuld omanfyri 2 mi\u00f3. kr., skylda meira enn 3 fer\u00f0ir teirra samla\u00f0u \u00e1rligu innt\u00f8kuna; tey eru um 950 \u00ed tali burturav umlei\u00f0 19.300 h\u00faskjum (2023).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hinvegin er b\u00fasta\u00f0arbyr\u00f0an \u00f8kt munandi s\u00ed\u00f0ani rentan byrja\u00f0i at h\u00e6kka, heldur Finn \u00d8strup; ta\u00f0 er n\u00f3gv d\u00fdrari hj\u00e1 h\u00fasarhaldum at seta b\u00fagv \u00ed dag, enn fyri bara n\u00f8krum heilt f\u00e1um \u00e1rum s\u00ed\u00f0ani, og t\u00ed er ov t\u00ed\u00f0liga at avv\u00edsa, at pr\u00edsfall kunnu koma fyri \u00e1 seth\u00fasamarkna\u00f0inum, metir hann.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cd F\u00f8royum er b\u00fasta\u00f0arbyr\u00f0an somulei\u00f0is \u00f8kt munandi seinastu \u00e1rini. T\u00e1 i\u00f0 b\u00fasta\u00f0arbyr\u00f0an byrja\u00f0i at veksa \u00ed umlei\u00f0 2015, var rentan og inflati\u00f3nin enn l\u00e1g, me\u00f0an innt\u00f8kurnar vuksu. \u00cd \u00e1runum eftir 2022 er b\u00fasta\u00f0arbyr\u00f0an hinvegin \u00f8kt vegna \u00f8ktar rentu\u00fatrei\u00f0slur, s\u00ed mynd 1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mynd 1<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.landsbankin.fo\/Files\/Images\/F%C3%ADggjarligt%20st%C3%B8%C3%B0ufesti\/24FSQ3\/12.%20Bustadarbyrda.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Samb\u00e6rt granskingini hj\u00e1 \u00d8strup, hevur b\u00fasta\u00f0arbyr\u00f0an havt st\u00f3ran t\u00fddning \u00ed fyrrverandi kreppum. \u00cd 90unum fullu seth\u00fasapr\u00edsirnir \u00ed Danmark eftir at rentan var\u00f0 h\u00e6kka\u00f0. \u00cd f\u00edggjarkreppuni \u00ed 2008, var \u00f8kta rentan eisini vi\u00f0 til at tr\u00fdsta pr\u00edsirnar \u00e1 seth\u00fasamarkna\u00f0inum ni\u00f0ur.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cd F\u00f8royum fullu seth\u00fasapr\u00edsirnir somulei\u00f0is \u00ed 90unum og undir f\u00edggjarkreppuni \u00ed 2008, eftir at rentan var\u00f0 \u00f8kt fleiri fer\u00f0ir \u00e1 ra\u00f0 fram til hesar b\u00e1\u00f0ar kreppurnar, s\u00ed mynd 2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seinastu tvey \u00e1rini hava ta\u00f0 eisini veri\u00f0 fleiri rentuh\u00e6kkingar, men sum n\u00fa er, s\u00e6r ikki \u00fat til at ta\u00f0 hevur givi\u00f0 fall \u00ed seth\u00fasapr\u00edsinum, men ta\u00f0 s\u00e6st, at v\u00f8ksturin \u00ed seth\u00fasapr\u00edsunum er minka\u00f0ur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ta\u00f0 hava longu veri\u00f0 3 rentul\u00e6kkingar, og v\u00e6ntandi koma fleiri afturat. Ta\u00f0 fer at l\u00e6kka um b\u00fasta\u00f0arbyr\u00f0una hj\u00e1 f\u00f8roysku seth\u00fasaeigarunum.&nbsp;&nbsp; &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mynd 2<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.landsbankin.fo\/Files\/Images\/F%C3%ADggjarligt%20st%C3%B8%C3%B0ufesti\/24FSQ3\/13.%20Gongd%20i%20sethusaprissum%20og%20bustadarrentu%201978-2024.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.landsbankin.fo\/Files\/Images\/F%C3%ADggjarligt%20st%C3%B8%C3%B0ufesti\/24FSQ3\/F%C3%ADggjarligt%20st%C3%B8%C3%B0ufesti%20nov.%202024.pdf\">Les meira \u00ed fr\u00e1grei\u00f0ing landsbankans um f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0 \u00ed 3. \u00e1rsfj\u00f3r\u00f0ingi 2024&nbsp;her.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>Kelda: landsbankin.fo 10-12-2024<\/sup><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cd bestu t\u00ed\u00f0um \u00ed F\u00f8royum hevur Landsbankin \u00e1hugaverda grein \/ greining \u00e1 heimas\u00ed\u00f0uni har tey tosa um hvat ey\u00f0kennir eina f\u00edggjarkreppu, tey nevna h\u00f8gur b\u00faskaparv\u00f8kstur, st\u00f3rar pr\u00edsh\u00e6kkingar \u00e1 seth\u00fasum. St\u00f3rt&hellip;<\/p>\n","protected":false},"author":1,"featured_media":7813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[131,7],"tags":[],"class_list":["post-7814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-folk-og-samfelag","category-vinnutidindir-samfelga-24-fo"],"_links":{"self":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/7814","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=7814"}],"version-history":[{"count":2,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/7814\/revisions"}],"predecessor-version":[{"id":7816,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/7814\/revisions\/7816"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media\/7813"}],"wp:attachment":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media?parent=7814"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/categories?post=7814"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/tags?post=7814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}