{"id":149,"date":"2011-09-23T14:49:32","date_gmt":"2011-09-23T14:49:32","guid":{"rendered":"http:\/\/www.norn.is\/einar\/?p=149"},"modified":"2017-09-24T11:05:09","modified_gmt":"2017-09-24T11:05:09","slug":"svor-gudfridar-lilju-og-sigridar-ingibjargar","status":"publish","type":"post","link":"https:\/\/www.norn.is\/einar\/2011\/09\/23\/svor-gudfridar-lilju-og-sigridar-ingibjargar\/","title":{"rendered":"Sv\u00f6r Gu\u00f0fr\u00ed\u00f0ar Lilju og Sigr\u00ed\u00f0ar Ingibjargar"},"content":{"rendered":"

\u00cd s\u00ed\u00f0ustu viku birti \u00e9g h\u00e9r\u00a0opi\u00f0 br\u00e9f<\/a>\u00a0til Al\u00feingismannanna Sigr\u00ed\u00f0ar Ingibjargar Ingad\u00f3ttur og Gu\u00f0fr\u00ed\u00f0ar Lilju Gr\u00e9tarsd\u00f3ttur, \u00fear sem \u00e9g spur\u00f0i hva\u00f0 \u00fe\u00e6r hyg\u00f0ust gera var\u00f0andi skuldavanda \u00feeirra sem eru me\u00f0\u00a0 st\u00f6kkbreytt h\u00fasn\u00e6\u00f0isl\u00e1n, samt\u00edmis \u00fev\u00ed sem bankarnir raka saman ofsagr\u00f3\u00f0a.\u00a0 \u00de\u00e6r hafa n\u00fa b\u00e1\u00f0ar svara\u00f0, og birtast sv\u00f6rin h\u00e9r a\u00f0 ne\u00f0an.<\/p>\n

\u00c9g er \u00feakkl\u00e1tur \u00feeim Sigr\u00ed\u00f0i og Gu\u00f0fr\u00ed\u00f0i fyrir sv\u00f6rin.\u00a0 En \u00e9g hef ekki skipt um sko\u00f0un \u00ed \u00feessum m\u00e1lum, \u00fe\u00f3tt \u00e9g\u00a0 \u00e6tli ekki a\u00f0 segja meira um \u00fea\u00f0 n\u00fana, umfram \u00fea\u00f0 a\u00f0 benda \u00e1 \u00feennan\u00a0pistil<\/a>\u00a0minn.<\/p>\n

<\/p>\n

\n

Svar Gu\u00f0fr\u00ed\u00f0ar Lilju:<\/em><\/strong><\/p>\n

Takk fyrir br\u00e9fi\u00f0 Einar og fyrirgef\u00f0u m\u00e9r a\u00f0 hafa ekki svara\u00f0 fyrr.<\/p>\n

M\u00e1li\u00f0 er marg\u00fe\u00e6tt en tv\u00ed\u00fe\u00e6tt a\u00f0 \u00fev\u00ed leyti a\u00f0 \u00fea\u00f0 v\u00edsar inn \u00ed fort\u00ed\u00f0 og framt\u00ed\u00f0. \u00dev\u00ed mi\u00f0ur n\u00e1\u00f0ist ekki samsta\u00f0a um a\u00f0 fara almenna ni\u00f0urf\u00e6rslulei\u00f0 eins og grasr\u00f3tarsamt\u00f6k heimilanna vildu og vi\u00f0 m\u00f6rg hver \u00e1 \u00feingi (\u00fevert \u00e1 flokka). S\u00fa lei\u00f0 \u2013 sem l\u00f6g\u00f0 var til af h\u00e1lfu gras\u00f3tarsamtaka og nokkurra \u00feingmanna \u2013 a\u00f0 eindurreikna l\u00e1n aftur \u00ed t\u00edmann \u00fear sem a\u00f0eins hluti ver\u00f0b\u00f3tanna v\u00e6ri reikna\u00f0ur inn \u00ed h\u00f6fu\u00f0st\u00f3linn, var skynsamleg og r\u00e9ttl\u00e1t. \u00deannig hef\u00f0u l\u00e1nin veri\u00f0 lei\u00f0r\u00e9tt \u00ed r\u00e9ttl\u00e6tis\u00e1tt hj\u00e1 \u00f6llum. \u00deetta var hins vegar ekki gert eins og vi\u00f0 vitum, heldur fari\u00f0 \u00ed s\u00e9rt\u00e6kar a\u00f0ger\u00f0ir sem eru \u00fev\u00ed mi\u00f0ur h\u00e1\u00f0ar \u00fev\u00ed hvar l\u00e1nin voru tekin en ekki forsendubrestinum.<\/p>\n

\u00deessar s\u00e9rst\u00e6ku a\u00f0ger\u00f0ir hafa hj\u00e1lpa\u00f0 \u00fdmsum sem fengi\u00f0 hafa verulega l\u00e6kkun \u00e1 l\u00e1num s\u00ednum. \u00dea\u00f0 \u00e1 hins vegar ekki vi\u00f0 um alla! \u00deeir sem l\u00f6g\u00f0u verulegt sparif\u00e9 \u00ed fasteignakaupin og hafa greitt samviskusamlega af l\u00e1num s\u00ednum hafa s\u00e9\u00f0 sparif\u00e9\u00f0 ver\u00f0a a\u00f0 engu vegna ver\u00f0b\u00f3lgunnar. Margir berjast \u00ed b\u00f6kkum vi\u00f0 a\u00f0 n\u00e1 endum saman \u00e1n \u00feess a\u00f0 eiga r\u00e9tt \u00e1 a\u00f0sto\u00f0. Fyrir \u00feennan h\u00f3p skipta auknar vaxtab\u00e6tur m\u00e1li.<\/p>\n

S\u00fa sta\u00f0reynd a\u00f0 fj\u00e1rm\u00e1lakerfinu er \u00e6tla\u00f0 a\u00f0 borga \u00fe\u00e6r me\u00f0 s\u00e9rst\u00f6kum skatti er \u00edgildi eins konar ni\u00f0urf\u00e6rslu \u2013 \u00fea\u00f0 er a\u00f0 segja, fyrir \u00fe\u00e1 sem eiga r\u00e9tt \u00e1 vaxtab\u00f3tum. Enn \u00e1 eftir a\u00f0 koma \u00ed lj\u00f3s hverju grei\u00f0slua\u00f0l\u00f6gun skilar, sem minnir \u00e1 a\u00f0 mikilv\u00e6gt er a\u00f0 hafa eftirfylgni me\u00f0 \u00fev\u00ed a\u00f0 \u00feau \u00farr\u00e6\u00f0i sem gripi\u00f0 hefur veri\u00f0 til virki sem skyldi. En \u00fe\u00f3tt \u00fdmislegt hafi veri\u00f0 gert breytir \u00fea\u00f0 ekki \u00fev\u00ed a\u00f0 mikill fj\u00f6ldi f\u00f3lks \u00e1 \u00ed gr\u00ed\u00f0arlegum erfi\u00f0leikum og n\u00fdtt f\u00f3lk kemur til me\u00f0 a\u00f0 b\u00e6tast inn \u00ed \u00feann h\u00f3p svo lengi sem vextir ver\u00f0a h\u00e1ir og ver\u00f0tryggingin vi\u00f0 l\u00fd\u00f0i. \u00deess vegna ver\u00f0ur ver\u00f0tryggingin a\u00f0 hverfa og vextir a\u00f0 l\u00e6kka \u2013 ver\u00f0trygginguna ver\u00f0ur a\u00f0 afnema.<\/p>\n

\u00dea\u00f0 v\u00e6ri h\u00e6gt a\u00f0 skrifa margar s\u00ed\u00f0ur um \u00feetta efni en \u00e9g l\u00e6t \u00feetta n\u00e6gja a.m.k. a\u00f0 sinni og sendi g\u00f3\u00f0ar kve\u00f0jur,<\/p>\n

Gu\u00f0fr\u00ed\u00f0ur Lilja<\/p>\n

\n

Svari\u00f0 fr\u00e1 Sigr\u00ed\u00f0i Ingibj\u00f6rgu:<\/em><\/strong><\/p>\n

S\u00e6ll Einar og afsaka\u00f0u hversu seint \u00e9g svara.<\/p>\n

\u00c9g \u00feakka \u00fe\u00e9r fyrir hl\u00fd or\u00f0 \u00ed gar\u00f0 okkar Gu\u00f0fr\u00ed\u00f0ar Lilju.<\/p>\n

Skuldavandi fyrirt\u00e6kja og heimila er einn erfi\u00f0asti fylgifiskur hrunsins. \u00c9g skil vel rei\u00f0i f\u00f3lks yfir st\u00f6\u00f0u m\u00e1la en \u00ed or\u00f0um \u00fe\u00ednum liggur \u00fe\u00f3 s\u00fa \u00e1s\u00f6kun a\u00f0 ekkert hafi veri\u00f0 gert, en \u00fea\u00f0 er fjarri lagi. \u00deegar hruni\u00f0 skall \u00e1 var engin heildst\u00e6\u00f0 l\u00f6ggj\u00f6f til um m\u00e1lefni skuldara, \u00fer\u00e1tt fyrir a\u00f0 J\u00f3hanna Sigur\u00f0ard\u00f3ttir hafi flutt till\u00f6gu um sl\u00edkt \u00e1 Al\u00feingi sj\u00f6 \u00feing \u00ed r\u00f6\u00f0. Fr\u00e1 hruni hafa veri\u00f0 sett l\u00f6g um umbo\u00f0smann skuldara, grei\u00f0slua\u00f0l\u00f6gun og l\u00f6gum um gjald\u00ferotaskipti breytt. L\u00f6ggj\u00f6f um skilvirka skuldani\u00f0urfellingu er fl\u00f3knari en vi\u00f0 ge\u00f0rum r\u00e1\u00f0 fyrir \u00ed upphafi, enda r\u00e9ttarsta\u00f0a kr\u00f6fuhafa mj\u00f6g sterk \u00ed \u00edslensku r\u00e9ttarfari. Halda \u00fearf \u00e1fram a\u00f0 finna lausn fyrir \u00fe\u00e1 sem eru \u00ed vanda vegna l\u00e1nsve\u00f0a og \u00e1byrg\u00f0armanna. \u00dea\u00f0 hefur reynst fl\u00f3ki\u00f0 m.a. vegna \u00feess a\u00f0 ve\u00f0in eru varin af eignar\u00e9ttar\u00e1kv\u00e6\u00f0i stj\u00f3rnarskr\u00e1rinnar.<\/p>\n

\u00de\u00e6r a\u00f0ger\u00f0ir sem gripi\u00f0 hefur veri\u00f0 til eru mikilv\u00e6gir \u00e1fangar sem, \u00feegar upp er sta\u00f0i\u00f0, munu bjarga mj\u00f6g m\u00f6rgum heimilum fr\u00e1 alvarlegum fj\u00e1rhagsvanda. Markmi\u00f0 \u00feeirra a\u00f0ger\u00f0a sem gripi\u00f0 hefur veri\u00f0 til er a\u00f0 hj\u00e1lpa \u00feeim sem verst f\u00f3ru \u00fat \u00far hruninu og for\u00f0a \u00feeim fr\u00e1 \u00feroti. Skuldasta\u00f0a ver\u00f0ur me\u00f0 \u00feessu f\u00e6r\u00f0 a\u00f0 grei\u00f0slugetu. \u00de\u00e1 b\u00fd\u00f0st \u00feeim sem eru me\u00f0 ver\u00f0trygg\u00f0 l\u00e1n grei\u00f0sluj\u00f6fnun m\u00e1na\u00f0arlegra grei\u00f0slna og vaxtab\u00e6tur grei\u00f0a ni\u00f0ur um \u00feri\u00f0jung vaxtakostna\u00f0ar heimilanna vegna h\u00fasn\u00e6\u00f0isskulda.<\/p>\n

H\u00fasn\u00e6\u00f0isskuldir eru st\u00f3r hluti vandans, en b\u00edlal\u00e1n, yfirdr\u00e1ttur og \u00f6nnur neyslul\u00e1n hafa ekki s\u00ed\u00f0ur reynst m\u00f6rgum erfi\u00f0ur hjalli. \u00dea\u00f0 er mikilv\u00e6gt a\u00f0 b\u00e6ta enn frekar st\u00f6\u00f0u f\u00f3lks gagnvart fj\u00e1rm\u00e1lafyrirt\u00e6kjum og mun \u00e9g beita m\u00e9r fyrir \u00fev\u00ed a\u00f0 \u00fea\u00f0 ver\u00f0i gert.<\/p>\n

Eftir stendur a\u00f0 ver\u00f0trygg\u00f0 h\u00fasn\u00e6\u00f0isl\u00e1n hafa veri\u00f0 f\u00e6r\u00f0 ni\u00f0ur a\u00f0 110% ve\u00f0setningu en a\u00f0 \u00f6r\u00f0u leyti ekki me\u00f0 almennum h\u00e6tti, \u00feannig a\u00f0 flestir sitja uppi me\u00f0 st\u00f3rh\u00e6kku\u00f0 l\u00e1n. Vandam\u00e1li\u00f0 h\u00e9r er a\u00f0 kostna\u00f0urinn vi\u00f0 sl\u00edka ni\u00f0urf\u00e6rslu er gr\u00ed\u00f0arlegur og fylgismenn hennar hafa ekki geta\u00f0 bent \u00e1 hvar finna eigi sl\u00edkt fj\u00e1rmagn. Kostna\u00f0ur r\u00edkissj\u00f3\u00f0s vegna afskrifta \u00cdb\u00fa\u00f0arl\u00e1nasj\u00f3\u00f0s ver\u00f0ur ekki minni en 30 milljar\u00f0ar. \u00deessi upph\u00e6\u00f0 mun margfaldast ef l\u00e1n ver\u00f0a f\u00e6r\u00f0 ni\u00f0ur me\u00f0 almennum h\u00e6tti. H\u00e9r er okkur \u00fev\u00ed vandi \u00e1 h\u00f6ndum.<\/p>\n

Hva\u00f0 bankana var\u00f0ar vil \u00e9g segja tvennt: \u00ed fyrsta lagi m\u00e1 spyrja hvort afkomut\u00f6lur gefi r\u00e9tta mynd af rekstri \u00feeirra, en bankakerfi\u00f0 er of st\u00f3rt og \u00f3hagkv\u00e6mt og ekki hefur veri\u00f0 skili\u00f0 \u00e1 milli bankastarfsemi og fj\u00e1rfestingabankastarfsemi. \u00dea\u00f0 er nau\u00f0synlegt a\u00f0 m\u00ednu mati. A\u00f0 bankarnir skuli berja s\u00e9r \u00e1 brj\u00f3st me\u00f0 \u00feessum h\u00e6tti er me\u00f0 \u00f3l\u00edkindum. Og \u00ed \u00f6\u00f0ru lagi eru ekki \u00f6ll kurl komin til grafar var\u00f0andi afskriftir l\u00e1na til einstaklinga og fyrirt\u00e6kja. Bankarnir hafa dregi\u00f0 f\u00e6turna hva\u00f0 \u00feetta var\u00f0ar og fur\u00f0anlega seint gengi\u00f0 a\u00f0 afskrifa l\u00e1n me\u00f0 sanngj\u00f6rnum og e\u00f0lilegum h\u00e6tti. Tryggja \u00fearf a\u00f0 bankarnir afskrifi \u00ed samr\u00e6mi vi\u00f0 sett l\u00f6g og sam\u00feykktir, en ef \u00ed lj\u00f3s kemur a\u00f0 her\u00f0a \u00fearf l\u00f6ggj\u00f6fina enn frekar ver\u00f0ur \u00fea\u00f0 gert. Vi\u00f0skiptanefnd Al\u00feingis hefur \u00feegar hafi\u00f0 sko\u00f0un \u00e1 \u00feessu.<\/p>\n

Umr\u00e6\u00f0an hefur miki\u00f0 sn\u00faist um ver\u00f0trygginguna og vandam\u00e1l henni tengd. H\u00e1tt vaxtastig hefur fengi\u00f0 minni umfj\u00f6llun, en er \u00fe\u00f3 ekki s\u00ed\u00f0ur alvarlegt vandam\u00e1l til lengri t\u00edma. Vandinn ristir \u00fe\u00f3 d\u00fdpra. \u00cd Bandar\u00edkjunum er engin ver\u00f0trygging \u00e1 h\u00fasn\u00e6\u00f0isl\u00e1num, en \u00fear eru samt um fj\u00f3r\u00f0ungur allra h\u00fasn\u00e6\u00f0isl\u00e1na h\u00e6rri en ver\u00f0gildi eignanna. B\u00e6\u00f0i \u00ed Bandar\u00edkjunum og h\u00e9r heima var\u00f0 eignab\u00f3la me\u00f0 of mikilli skuldsetningu. \u00cd ofan\u00e1lag olli fall kr\u00f3nunnar mikilli ver\u00f0b\u00f3lgu. \u00de\u00f3 enginn banki hef\u00f0i fari\u00f0 \u00ed \u00ferot \u00e1ri\u00f0 2008 hef\u00f0u eftirk\u00f6st eignab\u00f3lu og gengishruns fari\u00f0 illa me\u00f0 heimili og fyrirt\u00e6ki.<\/p>\n

\u00deegar skuldam\u00e1lin eru annars vegar hef \u00e9g ekki tr\u00fa \u00e1 einf\u00f6ldum patentlausnum e\u00f0a \u00fev\u00ed a\u00f0 h\u00e6gt s\u00e9 a\u00f0 vinda ofan af margra \u00e1ra \u00f3stj\u00f3rn \u00ed efnahagsm\u00e1lum \u00ed einni svipan. \u00de\u00e1 er \u00e9g ekki a\u00f0 segja a\u00f0 m\u00e9r finnist vi\u00f0unandi gangur \u00ed afskriftum heimila og fyrirt\u00e6kja og fagna a\u00f0haldi almennings.<\/p>\n

Me\u00f0 kve\u00f0ju
\nSigr\u00ed\u00f0ur Ingibj\u00f6rg Ingad\u00f3ttir<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cd s\u00ed\u00f0ustu viku birti \u00e9g h\u00e9r\u00a0opi\u00f0 br\u00e9f\u00a0til Al\u00feingismannanna Sigr\u00ed\u00f0ar Ingibjargar Ingad\u00f3ttur og Gu\u00f0fr\u00ed\u00f0ar Lilju Gr\u00e9tarsd\u00f3ttur, \u00fear sem \u00e9g spur\u00f0i hva\u00f0 \u00fe\u00e6r hyg\u00f0ust gera var\u00f0andi skuldavanda \u00feeirra sem eru me\u00f0\u00a0 st\u00f6kkbreytt h\u00fasn\u00e6\u00f0isl\u00e1n, samt\u00edmis \u00fev\u00ed sem bankarnir raka saman ofsagr\u00f3\u00f0a.\u00a0 \u00de\u00e6r hafa … Halda \u00e1fram a\u00f0 lesa →<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,138],"tags":[140,134,133,139,144],"class_list":["post-149","post","type-post","status-publish","format-standard","hentry","category-oflokkad","category-fjarmalakerfid-og-kapitalismi","tag-gudfridur-lilja-gretarsdottir","tag-hrunid","tag-husnaedismal","tag-sigridur-ingibjorg-ingadottir","tag-skuldavandi-heimilanna"],"yoast_head":"\nSv\u00f6r Gu\u00f0fr\u00ed\u00f0ar Lilju og Sigr\u00ed\u00f0ar Ingibjargar - 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