Almennt er f\u00f3lk sem vinnur og b\u00fdr \u00e1 \u00cdrlandi almennt mj\u00f6g velm\u00e6tt. Fyrir hvert gott starf sem unni\u00f0 er munu vinnuveitendur alltaf bj\u00f3\u00f0a upp \u00e1 manns\u00e6mandi laun sem halda starfsmanninum yfir f\u00e1t\u00e6ktarm\u00f6rkum. G\u00f3\u00f0 og manns\u00e6mandi laun eins og \u00feau kunna a\u00f0 vera, \u00fea\u00f0 koma sl\u00e6mir m\u00e1nu\u00f0ir \u00fear sem fj\u00e1rveitingum er offrami\u00f0 e\u00f0a \u00f3v\u00e6nt \u00fatgj\u00f6ld koma upp sem geta ekki bara be\u00f0i\u00f0. A\u00f0 \u00fev\u00ed gefnu a\u00f0 b\u00edllinn \u00feinn lendi \u00ed v\u00e9lr\u00e6nni vandam\u00e1lum og \u00fearf a\u00f0 laga hann til a\u00f0 \u00fe\u00fa haldir \u00e1fram a\u00f0 vinna \u00f3\u00e1reitt, munt \u00fe\u00fa ekki b\u00ed\u00f0a \u00feanga\u00f0 til \u00fatborgunardagurinn kemur \u00fat. \u00deess \u00ed sta\u00f0 myndi f\u00f3lk sem b\u00fdr \u00e1 \u00cdrlandi og uppfyllir skilyr\u00f0i fyrir l\u00e1num m\u00e6ta fyrir jafngrei\u00f0slul\u00e1n. A\u00f0 taka gjaldeyrisl\u00e1n \u00e1 \u00cdrlandi \u00fe\u00fd\u00f0ir ekki a\u00f0 \u00fe\u00fa s\u00e9rt f\u00e1t\u00e6kur heldur einfaldlega blankur. \u00deegar launin losna um m\u00e1na\u00f0arm\u00f3t grei\u00f0ir \u00fe\u00fa einfaldlega l\u00e1ni\u00f0 upp og heldur l\u00edfinu \u00e1fram eins og venjulega. <\/p>\n\n
Falleg fegur\u00f0 og samhli\u00f0a \u00f3grynni af r\u00f3mant\u00edskum kastalar\u00fastum \u00e1 \u00cdrlandi la\u00f0a a\u00f0 marga skemmtanamenn fyrir \u00e6vint\u00fdri b\u00e6\u00f0i innan lands og utan. \u00c1 \u00cdrlandi hafa stefnum\u00f3t<\/a> \u00feessa sameiginlegu menningu \u00fear sem ma\u00f0urinn hefur venjulega frumkv\u00e6\u00f0i a\u00f0 \u00fev\u00ed a\u00f0 kynna st\u00falkuna s\u00edna fyrir foreldrum s\u00ednum og vinum. <\/p>\n\n A\u00f0 auki finnst \u00e1st\u00fa\u00f0legu \u00edrsku karlm\u00f6nnunum gaman a\u00f0 spilla st\u00falkunum s\u00ednum me\u00f0 r\u00f3mant\u00edskum \u00f3vart. Til a\u00f0 l\u00e1ta allt l\u00edta s\u00e9rstakt \u00fat \u00fearftu auka mynt. \u00deess vegna v\u00e6ri best a\u00f0 f\u00e1 \u00fatborgunarl\u00e1n beint undir nefi\u00f0 \u00e1 st\u00falkunni \u00feinni \u00e1n \u00feess a\u00f0 h\u00fan t\u00e6ki eftir \u00fev\u00ed.<\/p>\n\n \u00datborgunarl\u00e1n eru litlir pers\u00f3nulegir peningar sem fj\u00e1rm\u00e1lastofnanir e\u00f0a bankar bj\u00f3\u00f0a upp \u00e1. A\u00f0 sama skapi endast l\u00e1nin yfirleitt \u00e1 stuttum t\u00edma en \u00e1 h\u00e1um v\u00f6xtum. \u00dear a\u00f0 auki eru l\u00e1nin endurgreidd \u00ed n\u00e6stu launagrei\u00f0slum l\u00e1ntaka. Ef um seinkun er a\u00f0 r\u00e6\u00f0a, vertu viss um a\u00f0 grei\u00f0a sektargjald.<\/p>\n\n Reyndu a\u00f0 kl\u00e1ra allar m\u00f6gulegar lei\u00f0ir til a\u00f0 f\u00e1 peninga \u00e1\u00f0ur en \u00fe\u00fa setur \u00feig \u00e1 grei\u00f0slul\u00e1n. Eins miki\u00f0 og jafngrei\u00f0slul\u00e1n eru flj\u00f3tleg og au\u00f0velt a\u00f0 s\u00e6kja um, \u00fe\u00e1 er heildarendurgrei\u00f0slukostna\u00f0ur nokku\u00f0 d\u00fdr fyrir suma \u00edrska \u00edb\u00faa. \u00c1hugasamur l\u00e1ntakandi \u00e1 \u00cdrlandi \u00e6tti a\u00f0 byrja \u00e1 \u00fev\u00ed a\u00f0 rannsaka \u00fdmsa l\u00e1nveitendur \u00edtarlega og s\u00e6tta sig vi\u00f0 \u00feann sem b\u00fd\u00f0ur vi\u00f0r\u00e1\u00f0anlega vexti. S\u00e9rstaklega \u00e6tti l\u00e1ntaki a\u00f0 lesa skilm\u00e1la og skilyr\u00f0i til a\u00f0 hj\u00e1lpa til vi\u00f0 a\u00f0 reikna \u00fat heildar fr\u00e1dr\u00e1ttarb\u00e6ran kostna\u00f0 fyrir n\u00e6sta m\u00e1nu\u00f0.<\/p>\n\n S\u00f6mulei\u00f0is hj\u00e1lpar \u00fea\u00f0 vi\u00f0 framt\u00ed\u00f0arskipulagningu a\u00f0 vita heildarendurgrei\u00f0slukostna\u00f0inn. Til d\u00e6mis g\u00e6tir\u00f0u \u00e1kvar\u00f0a\u00f0 reikningsst\u00f6\u00f0u \u00fe\u00edna eftir a\u00f0 \u00fe\u00fa hefur endurgreitt l\u00e1ni\u00f0, sem mun hj\u00e1lpa \u00fe\u00e9r a\u00f0 kreista peninga inn \u00ed n\u00e6sta m\u00e1na\u00f0arlega fj\u00e1rhags\u00e1\u00e6tlun. Me\u00f0 \u00fev\u00ed a\u00f0 gera \u00fea\u00f0 muntu for\u00f0ast h\u00e6ttuna \u00e1 hringr\u00e1sarskuldum og vi\u00f0halda g\u00f3\u00f0ri l\u00e1nsh\u00e6fissk\u00fdrslu l\u00edka.<\/p>\n\n \u00datborgunarl\u00e1n koma sannarlega a\u00f0 g\u00f3\u00f0um notum \u00ed fj\u00e1rm\u00e1lakreppum. Engu a\u00f0 s\u00ed\u00f0ur v\u00e6ri best a\u00f0 huga a\u00f0 eftirfarandi \u00fe\u00e1ttum \u00e1\u00f0ur en \u00fe\u00fa s\u00e6ttir \u00feig vi\u00f0 \u00e1kve\u00f0inn l\u00e1nveitanda.<\/p>\n\n Me\u00f0 d\u00fdrri notkun rafmagns<\/a> og gass \u00e1 \u00cdrlandi g\u00e6tir\u00f0u skyndilega teki\u00f0 eftir rafmagnsleysi \u00ed mi\u00f0ju einhverju. Hvort sem \u00fea\u00f0 er \u00ed innlendum e\u00f0a vi\u00f0skiptalegum tilgangi, \u00fe\u00fa \u00fearft a\u00f0 sj\u00e1 fyrir skj\u00f3tum peningum fyrir hn\u00f6kralausan rekstur. A\u00f0 auki er \u00f3vi\u00f0eigandi a\u00f0 taka \u00fe\u00fasundir peninga a\u00f0 l\u00e1ni fr\u00e1 vinum heldur en a\u00f0 f\u00e1 rei\u00f0uf\u00e9 fr\u00e1 \u00fatborgunarl\u00e1ni. S\u00e9rstaklega er skynsamlegt a\u00f0 l\u00e1na n\u00e1kv\u00e6mlega \u00fe\u00e1 upph\u00e6\u00f0 sem \u00fe\u00fa \u00fearft fyrir ney\u00f0artilviki\u00f0. Ef \u00fe\u00fa reynir a\u00f0 taka l\u00e1n umfram \u00fea\u00f0 g\u00e6ti \u00fea\u00f0 veri\u00f0 d\u00fdrt.<\/p>\n\n \u00dea\u00f0 er mikilv\u00e6gt a\u00f0 lesa og skilja skilm\u00e1lana og skilyr\u00f0in til a\u00f0 hj\u00e1lpa \u00fe\u00e9r a\u00f0 reikna \u00fat heildarupph\u00e6\u00f0ina sem \u00fearf a\u00f0 endurgrei\u00f0a. Ennfremur munu vaxtagj\u00f6ld auk \u00feeirrar upph\u00e6\u00f0ar sem \u00fe\u00fa tekur a\u00f0 l\u00e1ni mynda heildar endurgrei\u00f0anlegan kostna\u00f0. Me\u00f0 \u00fev\u00ed er h\u00e6gt a\u00f0 gera \u00e1\u00e6tlun um a\u00f0 takast \u00e1 vi\u00f0 \u00fe\u00e1 upph\u00e6\u00f0 sem eftir er n\u00e6sta m\u00e1nu\u00f0inn eftir a\u00f0 l\u00e1ni\u00f0 er greitt. Skilm\u00e1lar l\u00e1nveitenda munu a\u00f0 sama skapi hj\u00e1lpa til vi\u00f0 a\u00f0 vita n\u00e1kv\u00e6ma gjaldskylda upph\u00e6\u00f0 fyrir seint endurgrei\u00f0slur, svo sem dr\u00e1ttargj\u00f6ld. <\/p>\n\nSkilningur \u00e1 \u00fatborgunarl\u00e1num \u00e1 \u00cdrlandi<\/em><\/h2>\n\n
Hverjir eru \u00fe\u00e6ttirnir sem \u00fearf a\u00f0 hafa \u00ed huga \u00e1\u00f0ur en \u00fe\u00fa f\u00e6r\u00f0 \u00fatborgunarl\u00e1n \u00e1 \u00cdrlandi?<\/em><\/h2>\n\n
1. \u00d3skipul\u00f6g\u00f0 \u00fatgj\u00f6ld<\/em><\/strong><\/h3>\n\n
2. Skildu skilm\u00e1la og skilyr\u00f0i l\u00e1nveitanda<\/strong><\/em><\/h3>\n\n
3. Geta til a\u00f0 endurgrei\u00f0a l\u00e1ni\u00f0<\/strong><\/em><\/h3>\n\n