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A­ste­jandi hagstjˇrnarvandi - Hva­ er til rß­a...


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#21 appel

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Posted 13 August 2008 - 14:28

QUOTE
Ef vextir eru hŠrri en hagv÷xtur ■ß skapast ver­bˇlga.


╔g hef­i haldi­ ver­hj÷­nun.

Nokkrar skilgreiningar;
Hagv÷xtur er; v÷xtur ß frambo­i v÷ru og ■jˇnustu.
Lßgir vextir gefa af sÚr; meiri v÷xt ß frambo­i peninga Ý umfer­.
Hßir vextir gefa af sÚr; minni v÷xt ß frambo­i peninga Ý umfer­.

Ef ■a­ eru lßgir vextir ■ß hlřtur peningamagn a­ aukast, og ■vÝ ■arf hagv÷xtur a­ aukast Ý samrŠmi vi­ ■a­. Ef hagv÷xtur eykst ekki Ý samrŠmi vi­ peningamagn ■ß ■arf a­ hŠkka ver­ ß v÷ru og ■jˇnustu ■ar sem meira er um pening, ■.e. peningur lŠkkar Ý ver­i vegna offrambo­s. Ůetta er ver­bˇlga!?

Ůannig a­ ef hagv÷xtur er lÝtill ■ß hlřtur eina lei­in til a­ koma Ý veg fyrir ver­bˇlgu er a­ minnka peningamagn Ý umfer­ me­ hßum v÷xtum?


Eitt veit Úg lÝka, ■˙ eykur ekki hagv÷xt me­ lßgum v÷xtum. Framlei­sla eykst ekki ■rßtt fyrir lßga vexti.

Edited by appel, 13 August 2008 - 14:31.

Frelsi frß stjˇrnv÷ldum ER frelsi!
Frelsi, velmegun og fri­ur!

#22 King Midas

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Posted 13 August 2008 - 14:54

QUOTE (Gangleri @ Aug 13 2008, 0:45) <{POST_SNAPBACK}>
Nettˇ skuldasta­a innlßnsstofnana vi­ Se­labanka ═slands var 226 milljar­ar Ý j˙lÝlok.

Heildar˙tlßn innlßnsstofnana Ý j˙nÝlok nßmu 6.817 millj÷r­um - jafngildi 3.3% skuldast÷­u ■eirra vi­ S═ Ý j˙lÝlok.

M.÷.o., střrivextir S═ hafa nßnast engin ßhrif ß fjßrmagnskostna­ innlßnsstofnana.

Af hverju skipta ■eir ■ß mßli?

Vegna ■ess a­ ■eir eru skßlkaskjˇl fyrir vaxtaokur innlßnsstofnana.

Vaxtaokur sem veltir ÷­rum fjßrmagnskostna­i ■eirra yfir ß her­ar lßntakenda Ý skjˇli einokunara­st÷­u ß innlendum lßnamarka­i.

Einokunara­sta­a ß innlendum lßnamarka­i er sta­reynd og
bankarnir okra alveg eins ■ˇtt střrivextir vŠru 5%
heildar vaxtak˙rfan vŠri bara lŠgri.
Eru ■ß ekki bankarnir meinsemdin og
stofna rÝkisbanka me­ hluta af 500 milj÷r­unum gˇ­ lausn.
Taka svo upp einhverskonar fast gengi me­ samstarfi
vi­ se­labanka Evrˇpu, ekki endilega me­ inng÷ngu Ý EB.

Mßli­ leist!

#23 Almenningur

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Posted 13 August 2008 - 15:41

QUOTE (appel @ Aug 13 2008, 14:28) <{POST_SNAPBACK}>
╔g hef­i haldi­ ver­hj÷­nun.

Nokkrar skilgreiningar;
Hagv÷xtur er; v÷xtur ß frambo­i v÷ru og ■jˇnustu.
Lßgir vextir gefa af sÚr; meiri v÷xt ß frambo­i peninga Ý umfer­.
Hßir vextir gefa af sÚr; minni v÷xt ß frambo­i peninga Ý umfer­.

Ef ■a­ eru lßgir vextir ■ß hlřtur peningamagn a­ aukast, og ■vÝ ■arf hagv÷xtur a­ aukast Ý samrŠmi vi­ ■a­. Ef hagv÷xtur eykst ekki Ý samrŠmi vi­ peningamagn ■ß ■arf a­ hŠkka ver­ ß v÷ru og ■jˇnustu ■ar sem meira er um pening, ■.e. peningur lŠkkar Ý ver­i vegna offrambo­s. Ůetta er ver­bˇlga!?

Ůannig a­ ef hagv÷xtur er lÝtill ■ß hlřtur eina lei­in til a­ koma Ý veg fyrir ver­bˇlgu er a­ minnka peningamagn Ý umfer­ me­ hßum v÷xtum?


Eitt veit Úg lÝka, ■˙ eykur ekki hagv÷xt me­ lßgum v÷xtum. Framlei­sla eykst ekki ■rßtt fyrir lßga vexti.

Hefur ■˙ lŠrt eitthva­ Ý hagfrŠ­i?

#24 appel

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Posted 13 August 2008 - 16:13

QUOTE (Almenningur @ Aug 13 2008, 15:41) <{POST_SNAPBACK}>
Hefur ■˙ lŠrt eitthva­ Ý hagfrŠ­i?


Bara ß Youtj˙b. rolleyes.gif
Frelsi frß stjˇrnv÷ldum ER frelsi!
Frelsi, velmegun og fri­ur!

#25 Gangleri

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Posted 20 August 2008 - 23:26

QUOTE (Gangleri @ Aug 12 2008, 23:13) <{POST_SNAPBACK}>
Eftirfarandi grein, sem var send Mbl. til birtingar fyrir tveimur vikum, setur fram mynd af a­ste­jandi hagstjˇrnarvanda bygg­a ß hagt÷lum Se­labanka ═slands sem er Ý veigamiklum atri­um dekkri en s˙ sem stjˇrnv÷ld telja sig greina Ý st÷­unni.

Gangleri

****

Hva­ er til rß­a?

Al■ingismennirnir Bjarni Benediktsson og Illugi Gunnarsson tjß­u sig um a­ste­jandi efnahagsvanda Ý bla­avi­tali fyrir stuttu (Marka­urinn, 23. j˙lÝ).

äŮa­ er vß fyrir dyrum og ■a­ er mj÷g mikilvŠgt a­ ■a­ taki a­ birta til," sag­i Bjarni. äŮetta eru ekki hagsmunir sem eru einangra­ir vi­ einhverja tiltekna atvinnustarfsemi og ˇhß­ir hagsmunum almennings, heldur er grÝ­arlegt hagsmunamßl fyrir allt ■jˇ­fÚlagi­ a­ okkur takist a­ vinna okkur ˙t ˙r ■eirri st÷­u sem n˙ er uppi."

Illugi var sama sinnis. äVi­ b˙um vi­ ■Šr a­stŠ­ur a­ střrivextir eru yfir 15 prˇsentum, ver­bˇlgan er mikil og vi­ erum lent Ý ■eirri st÷­u a­ fyrirtŠkin Ý landinu, sem gßtu ß­ur fjßrmagna­ sig me­ erlendum lßnum, hafa engin tŠkifŠri til ■ess Ý dag. Af ■essum s÷kum stefnir Ý mj÷g alvarlegar ■rengingar Ý atvinnulÝfi ■jˇ­arinnar ß nŠstu mßnu­um.ö

═ Mbl. grein undirrita­s 30. maÝ 2006, Hvar liggur ßbyrg­in?, var viki­ a­ rˇtum vandans eins og hann kom sendinefnd Al■jˇ­agjaldeyrissjˇ­sins (IMF) fyrir sjˇnir vi­ heimsˇkn hennar til skrafs og rß­ager­a vi­ Ýslenzk stjˇrnv÷ld frß 8.-15. maÝ 2006:

äHrikaleg ˙t■ensla hefur veri­ ß efnahagsreikningum Ýslenzku bankanna bŠ­i innanlands og utan.ö (äThe balance sheets of the Icelandic banks have been growing at a staggering pace, both at home and abroad.ö).

═ skřrslu sendinefndarinnar voru heildar˙tlßn innlßnsstofnana s÷g­ hafa aukist um 28.6%, 41.1% og 68.6% ßrin 2003, 2004 og 2005, og Ý maÝ 2006 virtist stefna Ý 44.3% aukningu fyrir ßri­ allt.

┌tlßna■enslan var a­ stˇrum hluta fjßrm÷gnu­ me­ erlendum lßnt÷kum innlßnsstofnana sem endurspeglu­ust m.a. Ý hreinni erlendri skuldast÷­u ■jˇ­arb˙sins sem jafngilti 115% af vergri landsframlei­slu Ý ßrslok 2004 og fˇr stighŠkkandi Ý 154%, 208% og 246% Ý ßrslok 2005, 2006 og 2007. ═ j˙nÝlok 2008 var hlutfalli­ 309%.

Ůetta var fimmfalt hlutfall hreinna erlendra skulda ■jˇ­arb˙sins af vergri landsframlei­slu 1993 (61%) sem haf­i haldist ˇbreytt frß 1984.

Eins er athyglisvert m.a. me­ hli­sjˇn af helmingslŠkkun hlutabrÚfa Ý Kauph÷ll ═slands ß sk÷mmum tÝma a­ ˙tlßn innlßnsstofnana til eignarhaldsfÚlaga voru um ■ri­jungur (1.277 milljar­ar) af ˙tistandandi innlendum lßnum ■eirra Ý j˙nÝlok 2008 (3.963 milljar­ar).

┴rlegar hreinar erlendar vaxtagrei­slur ■jˇ­arb˙sins voru 27 milljar­ar 2004, en jukust stig af stigi Ý 40 milljar­a 2005, 94 milljar­a 2006 og 154 milljar­a 2007. ┴ fyrsta ßrsfjˇr­ungi 2008 nßmu ■Šr 42 millj÷r­um mi­a­ vi­ 30 milljar­a ß sama tÝma 2007 ľ og jafngiltu hßtt Ý andvir­i einnar GrÝmseyjarferju (500 milljˇnir) hvern einasta dag.

═ ßg˙st 2005 taldi Fitch matsfyrirtŠki­ erlendar lßnt÷kur Ýslenzkra banka hafa keyrt hreinar erlendar skuldir ■jˇ­arb˙sins langt umfram skuldastig sambŠrilegra hagkerfa og ■vÝ stŠ­i ═sland nßnast berskjalda­ fyrir ˇvŠntum ßf÷llum.

═ marz 2007 var ■a­ mat fyrirtŠkisins a­ vegna ˇhˇflegrar skuldsetningar vŠri Ýslenzka hagkerfi­ ekki Ý stakk b˙i­ til a­ ■ola breytingar ß al■jˇ­afjßrmagnsm÷rku­um af ■vÝ tagi sem n˙ hafa or­i­.

┴ sama tÝma var ■a­ yfirlřst stefna Ýslenzkra stjˇrnvalda a­ grÝpa ekki Ý taumana gagnvart h÷mlulausri ßsˇkn Ýslenzku bankanna Ý erlent lßnsfjßrmagn. Aflei­ingarnar blasa n˙ vi­ ľ og rÚttlŠta ■ann ßfellisdˇm sem fˇlst Ý lokaor­um Mbl. greinar h÷fundar 30. maÝ 2006:

äŮetta er verra en grunnfŠrni ľ ■etta er atlaga a­ almannahag.ö

┴framhaldandi erlend skuldsetning, sem var grundv÷llur velmegunar sÝ­ustu ßra, er ekki valkostur ß komandi tÝ­.

En hva­ er ■ß til rß­a svo äa­ Ýslenskt hagkerfi horfi ekki fram ß langvarandi st÷­nunarskei­ heldur sÚ ■a­ ■vert ß mˇti tr˙ver­ugt og lÝklegt til a­ braggast skjˇtt, eflast ß nř og vi­halda vexti,ö eins og Illugi Gunnarsson komst a­ or­i?

Eitt er vÝst: ┴framhaldandi hßvextir ß ˙tlßnum Ý mynd nafnvaxta og ver­bˇta eru ß gˇ­ri lei­ me­ a­ ey­ileggja starfsgrundv÷ll fj÷lda fyrirtŠkja og leggja Ý r˙st fjßrhag ■˙sunda heimila sem horfa fram ß minnkandi atvinnutekjur og vaxandi ˙tgj÷ld vegna nau­■urfta.

═slenzku bankarnir bera ßbyrg­ ß stˇrum hluta a­ste­jandi hagstjˇrnarvanda og munu e.t.v. ■urfa ß fyrirgrei­slu stjˇrnvalda a­ halda ß komandi tÝ­. Ef ekki ver­ur horfi­ frß rÝkjandi hßvaxtastefnu liggur Ý augum uppi a­ slÝk fyrirgrei­sla myndi ekki leysa vanda atvinnufyrirtŠkja og heimila landsins.

äVi­ n˙verandi a­stŠ­ur tel Úg afar mikilvŠgt a­ frß pˇlitÝkinni komi alveg skřr r÷dd um hvert fer­inni sÚ heiti­,ö sag­i Bjarni Benediktsson um a­rar hli­ar ■essa mßls. äHik og hßlfkßk er ■a­ sÝ­asta sem vi­ ■urfum ß a­ halda," bŠtti hann vi­ - og ß ■a­ ekki sÝ­ur vi­ um stefnu stjˇrnvalda og lßnastofnana Ý vaxtamßlum.

LŠkkun střrivaxta Se­labanka ═slands og endurfjßrm÷gnun lßnakerfisins ß ver­trygg­um lßnum fyrirtŠkja og heimila ß nafnv÷xtum svipu­um ■eim sem rÝkja Ý nßgrannal÷ndum ═slands er algj÷r forsenda ■ess a­ a­rar a­ger­ir stjˇrnvalda skili vi­unandi ßrangri.
------------------------------
H÷fundur er hagfrŠ­ingur


Skßletra­a ni­ursta­a Ganglera hÚr a­ ofan kann a­ vefjast fyrir řmsum.

Skv. eftirfarandi frÚtt Ý New York Times vefst h˙n ekki fyrir FDIC Ý BandarÝkjunum:

August 21, 2008

F.D.I.C. to Let IndyMac Borrowers Modify Loans

By ERIC DASH

Troubled borrowers with mortgages from IndyMac Federal Bank will be able to seek lower-priced, fixed-rate loans as part of a plan unveiled Wednesday by the regulatory agency that took over the failed thrift about a month ago.

The Federal Deposit Insurance Corporation, which is running IndyMac until it finds a buyer, encouraged tens of thousands of homeowners with IndyMac mortgages to take advantage of the loan modification proposal, which it hoped could become a model for the industry.

IndyMac will send out an estimated 4,000 modification proposals to borrowers this week and thousands of additional proposals in the coming weeks, the F.D.I.C. said in a statement.

The agency said it planned to offer at least 25,000 troubled borrowers the opportunity to reduce their interest rate or principal payments, or extend their repayment period, as it tries to stave off foreclosures.

The program applies to mortgages that are resetting at higher interest-rates, including the so-called Alt-A loans made to borrowers who had little or no proof of income or small downpayments that IndyMac approved in droves, the agency said.

Borrowers that have defaulted on their mortgages or fallen severely behind on their loan payments will be encouraged to switch into a fixed-rate mortgage carrying an interest-rate capped at 6.5 percent. It will only apply to mortgage for primary residences; the agency said it is working with certain home equity borrowers but does not have a similar, formalized plan.

Under the proposal, the loan modifications would be intended to achieve sustainable payments by borrowers at a 38 percent debt-to-income ratio of principal, interest, taxes and insurance.

To achieve the ratio, the modifications could involve a combination of interest rate reductions, extended amortization or principal forbearance, the agency said. In some cases, interest rates could be reduced for up to five years. In those cases, the interest rate would increase by no more than one percent a year until it reaches a rate set by Freddie Mac.

The program is an interesting experiment for the F.D.I.C., which must weigh growing concerns about housing with its mandate to find the lowest-cost solution for taxpayers. But the F.D.I.C chairwoman, Sheila Bair, said that the goals did not conflict. ôThis is a well-balanced program,ö she said on a conference call with journalists.

ôOur goal is to get the greatest recovery possible for loans in default while helping borrowers remain in their homes,ö Ms. Bair said. ôI believe we achieve that with this framework.ö

She has been an outspoken advocate for loan modification plans and has been urging mortgage lenders and payment collection companies to find develop their own programs. But the jury is out if the F.D.I.C. initiative will work.

ôThe F.D.I.C. has not done this before in liquidation,ö said Chip MacDonald, a banking lawyer at Jones Day in Atlanta. ôModifications generally have not been their norm.ö

Ms. Bair said that the program was intended to maximize the value of the failed bank so that the F.D.I.C. winds up with a smaller bill.

In July, the agency estimated the IndyMac failure could cost $4 billion to $8 billion.

But Ms. Bair conceded that this was a tough time to be selling mortgage assets.

ôWe are doing the best we can to maximize value,ö she said. ôWhat we get in this market, we wonĺt actually know until we market them.ö

IndyMac borrowers who are delinquent or who are falling behind on their mortgage can 1-800-781-7399 or the F.D.I.C Web site (www.fdic.gov) or the IndyMac Web site (www.imb.com) to get more information.

#26 rimryts

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Posted 21 August 2008 - 00:11

Fyrsta skrefi­ hlřtur a­ vera a­ lŠkka vextina. Ef ■a­ er ekki gert munu fyrirtŠki og einstaklingar ver­a gjald■rota Ý stˇrum stÝl me­ skelfilegum aflei­ingum.

SlÝk gjald■rotahrina hefur ke­juverkandi ßhrif sem mun draga fleiri og fleiri inn Ý hruni­. Ůeim sem skulda erlend lßn og geta ekki lengur sta­i­ Ý skilum Štti a­ vera gefinn kostur ß a­ skuldbreyta Ý ver­trygg­ Ýslensk lßn sem hafa miklu minni grei­slubyr­i fyrstu ßrin. Me­ vaxtalŠkkunum ver­ur undi­ ofan af krˇnubrÚfum sem hafa stu­la­ a­ miklum sveiflum krˇnunnar og hafa haldi­ gengi hennar ß l÷ngum tÝmabilum ˇe­lilega hßu. Ůa­ hefur svo leitt til of mikils innflutnings me­ tilheyrandi vi­skiptahalla og mikilli eftirspurn eftir erlendum lßnum sem hafa auki­ verulega ß erlendar skuldir ■jˇ­arb˙sins.

Ůa­ er nau­synlegt a­ fara varlega Ý erlendar lßnt÷kur. Bankarnair ■urfa a­ gera miklu meiri kr÷fur um tekjur og ve­ og gera fˇlki grein fyrir hŠttunni sem fylgir erlendum lßnum. Ůa­ versta vi­ erlend lßn er a­ ef allt fer ß versta veg efnahagslega ß ═slandi er hŠtta ß mikilli gengislŠkkun krˇnunnar. Ůa­ ■ř­ir a­ grei­slubyr­i erlendra lßni fer upp ˙r ÷llu valdi einmitt ■egar fˇlk og fyrirtŠki mega sÝst vi­ ■vÝ ■egar efnahagslegur samdrßttur er mestur.




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