Óskar sendi okkur þessi ráð gegn verðbólgu og vaxtaokri
Ráðamenn eru ekki tilbúnir til að frysta lánskjaravísitölu. Rökin fyrir því er að þá myndu fjármagnseigendur tapa, þ.a.m. lífeyrissjóðirnir. Önnur ráð eru til til þess að vinna gegn áhrifum á verðbólgu og vaxtaokri á heimilin. Á norðurlöndum eru allar vaxtatekjur skattlagðar á sama hátt og aðrar tekjur. En á hinn boginn er hægt að draga vaxtagreiðslur og greiddan verðbólguþátt frá tekjuskattstofni. Með því að beita þeirri aðferð er hægt að beita skattakerfinu til jöfnunar á milli skuldara og eigenda fjármagns og þar með draga verulega úr áhrifum verðbólgu og vaxtaokri á heimilin(hugsanlega er hægt að einangra frádrátt frá tekjuskattsstofni við fjármögnun vegna húsnæðis). Helstu rökin fyrir þessu eru
- Það er mikið réttindamál að allar tekjur séu skattlagðar á sama hátt.
- Fjármagnseigendur hafa rakað inn fjármagnstekjum undanfarna áratugi með allt að 17% styrivexti á kostnað skuldara.
- Fjármagn sem er verðtryggt ber enga áhættu fyrir fjármagnseigendur. Þetta fjármagn ber allt að 7,7% umframverðbólgu. Hvergi í heiminum er hægt að fá aðra eins ávöxtun án áhættu. Þó að þessar vaxtatekjur yrðu skattlagðar, þá væri ávöxtunin ennþá með því hæðsta sem gerist í heiminum
- Þetta er þekkt aðferð á norðurlöndunum og ekki er vitað til þess að þetta leiðir til streymi fjármagns útúr landi
- Þetta hvetur fjármangseigendur til að leita betri leiða til ávöxtunar, t.d. með því að fjárfesta í fyrirtækjum
- Fyrirtækin þurfa fjármagn og ekki síst sprotafyrirtæki
- Ávötunarkrafa á áhættufjármagn mun lækka töluvert
Óskar Jónsson
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