kynning um skuldaleiðréttingu heimilanna
TRANSCRIPT
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Staðfest
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14% 14,20% 13,40%9,30%
4,30%1,30%
27,40%
39,60%37%
33,80%
23,30%
19,30%
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+ = milljarðar króna á fjórum árum
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- kr.
5.000.000 kr.
10.000.000 kr.
15.000.000 kr.
20.000.000 kr.
25.000.000 kr.
30.000.000 kr.
35.000.000 kr.
1.1
.19
90
1.8
.19
90
1.3
.19
91
1.1
0.1
99
1
1.5
.19
92
1.1
2.1
99
2
1.7
.19
93
1.2
.19
94
1.9
.19
94
1.4
.19
95
1.1
1.1
99
5
1.6
.19
96
1.1
.19
97
1.8
.19
97
1.3
.19
98
1.1
0.1
99
8
1.5
.19
99
1.1
2.1
99
9
1.7
.20
00
1.2
.20
01
1.9
.20
01
1.4
.20
02
1.1
1.2
00
2
1.6
.20
03
1.1
.20
04
1.8
.20
04
1.3
.20
05
1.1
0.2
00
5
1.5
.20
06
1.1
2.2
00
6
1.7
.20
07
1.2
.20
08
1.9
.20
08
1.4
.20
09
1.1
1.2
00
9
1.6
.20
10
1.1
.20
11
1.8
.20
11
1.3
.20
12
1.1
0.2
01
2
Fyrir leiðréttingu
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- kr.
5.000.000 kr.
10.000.000 kr.
15.000.000 kr.
20.000.000 kr.
25.000.000 kr.
30.000.000 kr.
35.000.000 kr.
1.1
.19
90
1.8
.19
90
1.3
.19
91
1.1
0.1
99
1
1.5
.19
92
1.1
2.1
99
2
1.7
.19
93
1.2
.19
94
1.9
.19
94
1.4
.19
95
1.1
1.1
99
5
1.6
.19
96
1.1
.19
97
1.8
.19
97
1.3
.19
98
1.1
0.1
99
8
1.5
.19
99
1.1
2.1
99
9
1.7
.20
00
1.2
.20
01
1.9
.20
01
1.4
.20
02
1.1
1.2
00
2
1.6
.20
03
1.1
.20
04
1.8
.20
04
1.3
.20
05
1.1
0.2
00
5
1.5
.20
06
1.1
2.2
00
6
1.7
.20
07
1.2
.20
08
1.9
.20
08
1.4
.20
09
1.1
1.2
00
9
1.6
.20
10
1.1
.20
11
1.8
.20
11
1.3
.20
12
1.1
0.2
01
2
Fyrir leiðréttingu Eftir leiðréttingu
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- kr.
5.000.000 kr.
10.000.000 kr.
15.000.000 kr.
20.000.000 kr.
25.000.000 kr.
30.000.000 kr.
35.000.000 kr.
1.1
.19
90
1.8
.19
90
1.3
.19
91
1.1
0.1
99
1
1.5
.19
92
1.1
2.1
99
2
1.7
.19
93
1.2
.19
94
1.9
.19
94
1.4
.19
95
1.1
1.1
99
5
1.6
.19
96
1.1
.19
97
1.8
.19
97
1.3
.19
98
1.1
0.1
99
8
1.5
.19
99
1.1
2.1
99
9
1.7
.20
00
1.2
.20
01
1.9
.20
01
1.4
.20
02
1.1
1.2
00
2
1.6
.20
03
1.1
.20
04
1.8
.20
04
1.3
.20
05
1.1
0.2
00
5
1.5
.20
06
1.1
2.2
00
6
1.7
.20
07
1.2
.20
08
1.9
.20
08
1.4
.20
09
1.1
1.2
00
9
1.6
.20
10
1.1
.20
11
1.8
.20
11
1.3
.20
12
1.1
0.2
01
2
Fyrir leiðréttingu Eftir leiðréttingu Eftir 5 ár með skattaafslætti3
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20.000
<10 10-15 25-30 35-40 40-45 45-50 15-20 20-25 30-35 50+
5.000
10.000
15.000
25.000
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20.000
<10 10-15 25-30 35-40 40-45 45-50 15-20 20-25 30-35 50+
5.000
10.000
15.000
25.000
Höfuðstóll lána
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Viðskiptabankar
Sparisjóðir
Fjárfestingabankar
Lífeyrissjóðir Íbúðalánasjóður Lánveitendur
110%
afskriftir afskrifta afskrifta
fasteignalána fasteignalána fasteignalána
Hlutfall af
heildarútlánum
til fasteigna-
veðlána
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+
110%
-
Sku
ldir s
em
hlu
tfall a
f faste
ign
am
ati
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+
110%
-
Sku
ldir s
em
hlu
tfall a
f faste
ign
am
ati
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+
110%
-
Sku
ldir s
em
hlu
tfall a
f faste
ign
am
ati
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+
110%
-
Sku
ldir s
em
hlu
tfall a
f faste
ign
am
ati
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+
110%
-
Sku
ldir s
em
hlu
tfall a
f faste
ign
am
ati
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0,4% 2,9%
0,1% 2,6%
0,0%
ATVINNULEYSI
4,4%
0,2%
KAUPMÁTTUR LAUNA
2,1%
0,1%
VERÐBÓLGA
3,7%
2,0%
NÝBYGGINGAR
22,6%
0,2%
VÖRU- & ÞJÓNUSTU-
JÖFNUÐUR
5,5%
0,1%
NAFNGENGI ISK
0,8%
0,3%.
TEKJUSKATTUR
0,3 ma. kr.
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Hagvöxtur (%)
Viðskiptajöfnuður / VLF
Aukning einkaneyslu (% af VLF)
Gengi ISK
Ársverðbólga (%)
Atvinnuleysi (%)
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Íbúðafjárfesting (% br.) Kaupmáttur launatekna Tekjuskattur
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0%
10%
20%
30%
40%
50%
60%
70%
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
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0,1%
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0,2%
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0,1%
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0,2%
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0,4% 2,9%
0,1% 2,6%
0,0%
ATVINNULEYSI
4,4%
0,2%
KAUPMÁTTUR LAUNA
2,1%
0,1%
VERÐBÓLGA
3,7%
2,0%
NÝBYGGINGAR
22,6%
0,2%
VÖRU- & ÞJÓNUSTU-
JÖFNUÐUR
5,5%
0,1%
NAFNGENGI ISK
0,8%
0,3%.
TEKJUSKATTUR
0,3 ma. kr.
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