Fundið fé?

Posted byneddi 40 Comments on Fundið fé?

Sólveig sendi okkur þessa hugmynd

Landsíminn var seldur fyrir 3 árum og ætlunin var að nota andvirðið í dýrar framkvæmdir, hátæknisjúkrahús og Sundabraut meðal annars. Ekki hefur orðið af þeim og þær hljóta að verða í salti um sinn. Mín hugmynd er sú að nýta þetta fé til að mæta tapi lánastofnana svo hægt sé að frysta verðtryggingu á íbúðalánum meðan mesta verðbólgan geisar. Ef þessir peningar hafa verið vel ávaxtaðir (vonum það) gætu þessir 67 milljarðar verið nú 90-100 milljarðar. En hvaðan sem féð kæmi hlýtur að vera hagur allra að fólk haldi heimilum sínum og sjái sér hag í (og getu) að halda áfram að greiða lánin.

Sólveig Jóhannsdóttir

40 replies on “Fundið fé?”

  2. já ef þeir eru ekki horfnir en staðreindinn er sú að það þarf ekki að mæta neinu tapai heldur eingöngu minni gróða ef verðtryggingin er fryst svona sem dæmi miðiað við ef verðbólga væri fryst sem 4.5 % á láni til 40 ára fyrir 20 milljónir og 15% stýrivexti og 5% vexti þá fengi bankinn ef allt yrði borgað til baka um 135 milljónir fyrir þessar 20 sem þýðir að verðbólgan þyrti að vera hærri en 85% svo að lánadrottnandinn gæti mögulega tapað á láninu. þ.e.a.s. svo að raunvirði þessara 135 milljóna væri minna en þessara 20 milljóna sem bankinn lánaði út fyrir 40 árum.

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