https://aurbjorg.is

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    "title": "Aurbjörg - Áskrift að heilbrigðari fjármálum",
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  "markdown": "★★★★★\n\nÉg nýtti mér Lánskjaravaktina til að kanna möguleika á endurfjármögnun lánsins míns með það að markmiði að fá bæði lægri mánaðarlegar afborganir og lægri heildargreiðslu. Með því að sjá útreikninga frá öðrum lánveitendum við hliðina á mínu eigin láni varð samanburðurinn mjög einfaldur, og með nýja láninu náði ég að lækka mánaðarlegar afborganir verulega.\n\n\\-\n\nArna\n\n★★★★★\n\n“Það var einfalt að skipta um rafveitu hjá Aurbjörgu. Borið saman verð og kjör og skipt yfir í ódýrara áætlun. Sparar nú 15% mánaðarreikninga, sem nemur um 50.000 krónum á ári. Frábært!”\n\n\\-\n\nAnna\n\n★★★★★\n\n“Notaði reiknivélar Aurbjargar áður en við seldum húsið okkar. Hjálpaði okkur að setja rétt verð, sem leiddi til skjótrar sölu og sparaði okkur um 5% í hugsanlegri lækkun. Það var mikil hjálp!“\n\n\\-\n\nSigga\n\n★★★★★\n\n”Aurbjörg hefur hjálpað mér að finna hagstæðustu vexti hverju sinni og þróun húsnæðisverðs í mínu hverfi. Þar eru upplýsingar um allt á einu stað; kjör á lánum, ásamt hita- og rafmagns verðum. Opið 24/7 þegar mér hentar að skoða.”\n\n\\-\n\nHörður\n\n★★★★★\n\nAurbjörg er frábært tól til að hámarka yfirsýnina yfir fjármál heimilisins. Ekki nóg með að lánskjaravaktin tryggi að þú sért alltaf með besta mögulega húsnæðislánið, heldur er líka mikill kostur að hafa greinagóðar upplýsingar um skuldbindingar þínar og sparnað, allt á einum stað. Svo er mjög auðvelt að gleyma sér í Samanburðarflipanum. Þar er hægt að bera saman verð á ýmis konar þjónustu. Ég veit t.d. alltaf hvar ódýrast er að versla eldsneyti og hvar það er hagstæðast fyrir mig að vera með símann í áskrift. Takk Aurbjörg!\n\n\\-\n\nÞorsteinn Haukur\n\n★★★★★\n\n”Endurfjármögnunartæki Aurbjargar var bjargvættur. Við fundum betri vexti og kjör sem sparaðu okkur um 1.500.000 krónur á líftíma lánsins. Get ekki mælt nóg með því!”\n\n\\-\n\nSindri\n\n★★★★★\n\n”Aurbjörg hjálpaði mér mikið við fasteignakaup. Auðvelt aðgengi að skýru verðmati fasteigna og hvað aðrar fasteignir á því svæði voru að seljast á. Mjög flott lánareiknivél líka sem sýna hagkvæmustu lánin.”\n\n\\-\n\nJón\n\n★★★★★\n\n”Aurbjörg hefur hjálpað mér að átta mig á hversu mikið ég á í fasteigninni minni sem gefur mér möguleika á að áætla næstu fasteignakaup á raunsærri hátt.”\n\n\\-\n\nAnna\n",
  "fullPageMarkdown": "Aurbjörg - Áskrift að heilbrigðari fjármálum\n\n[![Aurbjörg](https://aurbjorg.is/images/logo-blue.svg)](https://aurbjorg.is/)\n\nValmynd\n\n[Aurbjörg Plús](https://app.aurbjorg.is/)\n\n# Fjármálalausn sem\nsparar þér tíma og peninga\n\nAurbjörg er lykillinn að betri yfirsýn og betri ákvörðunum.\n\n[\n\nLánskjaravakt\n\nErt þú með besta lánið fyrir þig?\n\nLesa meira\n\n![](https://aurbjorg.is/images/loan-monitoring/mortgage-monitoring-results-1.png)![](https://aurbjorg.is/images/loan-monitoring/mortgage-monitoring-results-2.png)![](https://aurbjorg.is/images/loan-monitoring/mortgage-monitoring-results-3.png)\n\n](https://aurbjorg.is/lanskjaravaktin)\n\n[\n\nDagleg fjármál\n\nSjáðu hvert launin fara, áður en mánuðurinn klárast\n\nLesa meira\n\n![Yfirlit fjármála](https://aurbjorg.is/images/daily-finances/widget-8.png)\n\n![Yfirlit fjármála](https://aurbjorg.is/images/daily-finances/widget-9.png)\n\n](https://aurbjorg.is/dagleg-fjarmal)\n\n[\n\n![Aurbjörg](https://aurbjorg.is/images/logo-blue.svg)\n\nPlús\n\nÞjónustur sem styðja þig í fjármálum heimilisins\n\nLesa meira\n\n![hub](https://aurbjorg.is/images/homepage/hub-2.png)\n\n![hub](https://aurbjorg.is/images/homepage/hub-1.png)\n\n![hub](https://aurbjorg.is/images/homepage/hub-3.png)\n\n![hub](https://aurbjorg.is/images/homepage/hub-4.png)\n\n](https://aurbjorg.is/askrift)\n\n[![Dagleg fjármál](https://aurbjorg.is/images/icons/finances.png)\n\nDagleg fjármál\n\nSjáðu hvert launin fara, áður en mánuðurinn klárast\n\n](https://aurbjorg.is/dagleg-fjarmal)[![Dagleg fjármál](https://aurbjorg.is/images/icons/megaphone.png)\n\nLánskjaravakt\n\nErt þú með besta lánið fyrir þig?\n\n](https://aurbjorg.is/lanskjaravaktin)[![Rafmagn](https://aurbjorg.is/images/icons/zap.png)\n\nRafmagn\n\nÓháðan samanburð á raforkuverði\n\n](https://aurbjorg.is/rafmagn)[![Verðmat](https://aurbjorg.is/images/icons/house-stars.png)\n\nVerðmat\n\nFáðu uppfært markaðsvirði á þinni fasteign\n\n](https://aurbjorg.is/verdmat)[![Lífeyriskerfið](https://aurbjorg.is/images/icons/pension-in-iceland.png)\n\nLífeyriskerfið á Íslandi\n\nErt þú með besta lífeyrissjóðinn fyrir þig?\n\n](https://aurbjorg.is/lifeyrismal)[![Eignavakt](https://aurbjorg.is/images/icons/property-watch.png)\n\nEignavakt\n\nFinnur þú eignir sem henta þínum fjárhag\n\n](https://aurbjorg.is/eignavakt)[![Eignavakt](https://aurbjorg.is/images/icons/pension-optimizer.png)\n\nLífeyrisbestun\n\nHvenær vilt þú hætta að vinna?\n\n](https://aurbjorg.is/lifeyrismal/lifeyrisbestun)[![Eignavakt](https://aurbjorg.is/images/icons/refinancing.png)\n\nHúsnæðislánareiknivél\n\nFinndu besta húsnæðislánið\n\n](https://aurbjorg.is/husnaedislanareiknivel)[![Eignavakt](https://aurbjorg.is/images/icons/bank.png)\n\nBankareikningar\n\nFinndu besta reikninginn fyrir þig\n\n](https://aurbjorg.is/bankareikningar)[\n\nSkoða allt\n\nLesa meira\n\n](https://aurbjorg.is/all)\n\n## Markaðurinnmaí 2026\n\n### Húsnæðislán\n\nBerðu saman öll á einum stað\n\nÓverðtryggtVerðtryggt\n\nFast. 3árFast. 5árBreyt.\n\n8,74 %\n\n![](https://stjorna.lanareiknir.is/storage/blog/images/2025/10/OSM1PGVhfNf3mUQH.jpg)\n\n8,45 %\n\n![](https://stjorna.lanareiknir.is/storage/blog/images/2022/02/M5S86mIxW7BpNSu6.jpg)\n\n8,45 %\n\n![](https://stjorna.lanareiknir.is/storage/blog/images/2022/03/gwhk5drGIV0MqWD4.jpg)\n\n8,75 %\n\n![](https://stjorna.lanareiknir.is/storage/blog/images/2022/02/9QxVB7z8E7oITyGJ.jpg)\n\n8,53 %\n\n![](https://stjorna.lanareiknir.is/storage/blog/images/2022/03/6h2mOc7XRyPckP8e.jpg)\n\n8,85 %\n\n![](https://aurbjorgstatic.blob.core.windows.net/images/logos/almenni-logo.png)\n\n[Sjá allt](https://aurbjorg.is/husnaedislan)\n\n### Bankareikningar\n\nFrá öllum bönkum\n\nEnginn binditími1 mán. til 1 ár\n\n![Auður](https://stjorna.lanareiknir.is/storage/blog/images/2022/02/TsGaZ99qartROvnK.jpg)\n\n7,23 %\n\n![Landsbankinn](https://stjorna.lanareiknir.is/storage/blog/images/2022/02/M5S86mIxW7BpNSu6.jpg)\n\n7,12 %\n\n![Íslandsbanki](https://stjorna.lanareiknir.is/storage/blog/images/2022/03/gwhk5drGIV0MqWD4.jpg)\n\n6,76 %\n\n6,27 %\n\n![Landsbankinn](https://stjorna.lanareiknir.is/storage/blog/images/2022/02/M5S86mIxW7BpNSu6.jpg)\n\n5,45 %\n\n[Sjá allt](https://aurbjorg.is/bankareikningar)\n\nVerðbólga og meginvextir\n\nHitastig hagkerfisins\n\nVerðbólga\n\n5,20%\n\n+0,00%\n\nMeginvextir\n\n7,50%\n\n+0,25%\n\n[Lestu hvað þetta þýðir](https://aurbjorg.is/blog/styrivextir--zestu)\n\nGengi\n\n[\n\n![EUR-ISK](https://aurbjorg.is/images/emoji/EUR-ISK.png)\n\nEUR\n\n143,68 kr.\n\n](https://aurbjorg.is/gengi/eur-isk)[\n\n![USD-ISK](https://aurbjorg.is/images/emoji/USD-ISK.png)\n\nUSD\n\n122,55 kr.\n\n](https://aurbjorg.is/gengi/usd-isk)[\n\n![GBP-ISK](https://aurbjorg.is/images/emoji/GBP-ISK.png)\n\nGBP\n\n165,84 kr.\n\n](https://aurbjorg.is/gengi/gbp-isk)\n\n[Fleiri gjaldmiðlar](https://aurbjorg.is/gengi)\n\nNýtt í auglýsingasögu\n\n[![Lambamýri 4, 225 Garðabær](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/a8a9c2f05f471153ac3b6ea39cfb56e97860886d/1_regular.jpg)\n\nLambamýri 4, 225 Garðabær\n\n](https://aurbjorg.is/verdmat/lambamyri-4-0304-225-7617127/12-05-2026)\n\n[![Álagrandi 8, 107 Reykjavík](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/ac6c9fa373ae8e1b225b9c8e28189e5978ae8ef1/1_regular.jpg)\n\nÁlagrandi 8, 107 Reykjavík\n\n](https://aurbjorg.is/verdmat/alagrandi-8-0102-107-5885262/14-05-2026)\n\n[![Hellisgata 18, 220 Hafnarfjörður](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/a3d4d811d5c6e8bba9fedb0d75cac5b4eba48565/1_regular.jpg)\n\nHellisgata 18, 220 Hafnarfjörður\n\n](https://aurbjorg.is/verdmat/hellisgata-18-0201-220-4885788/14-05-2026)\n\n[![Framnesvegur 40, 101 Reykjavík](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/24d0835233a892db04e3f7ae5a6090d31e70f91b/1_regular.jpg)\n\nFramnesvegur 40, 101 Reykjavík\n\n](https://aurbjorg.is/verdmat/framnesvegur-40-0202-101-7827174/14-05-2026)\n\n[![Holtsgata 25, 260 Reykjanesbær](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/adbb9eb5eda023d790e514b5210089d3d8aed4e9/1_regular.jpg)\n\nHoltsgata 25, 260 Reykjanesbær\n\n](https://aurbjorg.is/verdmat/holtsgata-25-0102-260-7339922/14-05-2026)\n\n[![Háteigur 12, 230 Reykjanesbær](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/b75484259f4501abf5df42bf0ee67372565efd2e/1_regular.jpg)\n\nHáteigur 12, 230 Reykjanesbær\n\n](https://aurbjorg.is/verdmat/hateigur-12-0103-230-8437750/14-05-2026)\n\n[![Snægil 19, 603 Akureyri](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/3b6055f0026739460ee979281857a406669deda6/1_regular.jpg)\n\nSnægil 19, 603 Akureyri\n\n](https://aurbjorg.is/verdmat/snaegil-19-0202-603-4382339/14-05-2026)\n\n[![Hafnargata 20, 230 Reykjanesbær](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/c951f5f9b6059f8d0a6aff64f1ec4d5748f80096/1_regular.jpg)\n\nHafnargata 20, 230 Reykjanesbær\n\n](https://aurbjorg.is/verdmat/hafnargata-20-0201-230-6312612/14-05-2026)\n\n[![Grænaborg 2I, 190 Sveitarfélagið Vogar](https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/cebadf8b6612f5d417630e4348531c4ac2a20413/1_regular.jpg)\n\nGrænaborg 2I, 190 Sveitarfélagið Vogar\n\n](https://aurbjorg.is/verdmat/graenaborg-2i-0204-190-8081054/14-05-2026)\n\n[Lesa meira](https://aurbjorg.is/auglysingasaga)\n\nBloggið\n\n[\n\nAllt](https://aurbjorg.is/blog)[\n\nLánamál](https://aurbjorg.is/blog/flokkur/lanamal)[\n\nLífeyrismál](https://aurbjorg.is/blog/flokkur/lifeyrismal)[\n\nÚtgjöld](https://aurbjorg.is/blog/flokkur/utgjold)[\n\nFasteignir](https://aurbjorg.is/blog/flokkur/fasteignir)[\n\nSparnaður](https://aurbjorg.is/blog/flokkur/sparnadur)\n\n[\n\n![Lífeyrisbestun: Hámarkaðu lífeyrinn þinn](https://stjorna.lanareiknir.is/storage/blog/images/2026/04/9ee0f7ePAFWczEBn.jpg)\n\nLífeyrisbestun: Hámarkaðu lífeyrinn þinn\n\n](https://aurbjorg.is/blog/lifeyrisbestun-hamarkadu-lifeyrinn-thinn--6mroi)[\n\n![Lífeyrisbestun: Hættu að vinna X ára](https://stjorna.lanareiknir.is/storage/blog/images/2026/04/2vu64mDYAbew5DfG.jpg)\n\nLífeyrisbestun: Hættu að vinna X ára\n\n](https://aurbjorg.is/blog/lifeyrisbestun-haettu-ad-vinna-x-ara--n9zd0)[\n\n![Lífeyrisbestun: Hættu að vinna sem fyrst!](https://stjorna.lanareiknir.is/storage/blog/images/2026/04/4CjleLegaiSBb1FU.jpg)\n\nLífeyrisbestun: Hættu að vinna sem fyrst!\n\n](https://aurbjorg.is/blog/lifeyrisbestun-haettu-ad-vinna-sem-fyrst--n8mdz)[\n\n![Lífeyrisbestun: Hvenær getur þú hætt að vinna? NÝ VARA](https://stjorna.lanareiknir.is/storage/blog/images/2026/04/uoXnxPXOca0Zsgd7.jpg)\n\nLífeyrisbestun: Hvenær getur þú hætt að vinna? NÝ VARA\n\n](https://aurbjorg.is/blog/lifeyrisbestun-hvenaer-getur-thu-haett-ad-vinna-ny-vara--k31fc)\n\nLánskjaravaktin\n\n## Ert þú með besta húsnæðislánið fyrir þig?\n\nVið látum þig vita þegar við finnum lán með\n\n-   betri vöxtum\n\n-   lægri mánaðargreiðsla\n\n-   lægri heildargreiðsla\n\n[Skoða Lánskjaravaktina](https://aurbjorg.is/lanskjaravaktin)\n\n![](https://aurbjorg.is/images/homepage/homepage-mortgage-1.png)![](https://aurbjorg.is/images/homepage/homepage-mortgage-2.png)![](https://aurbjorg.is/images/homepage/homepage-mortgage-3.png)![](https://aurbjorg.is/images/homepage/homepage-mortgage-5.png)\n\nDagleg fjármál\n\n## Sjáðu hvert launin fara, áður en mánuðurinn klárast\n\nDagleg fjármál gefa þér skýra mynd af því hvað kemur inn, hvert peningarnir þínir fara og hvað þú átt raunverulega eftir. Engar flækjur. Bara einföld yfirsýn.\n\n[Dagleg fjármál](https://aurbjorg.is/dagleg-fjarmal)\n\n![Yfirlit fjármála](https://aurbjorg.is/images/daily-finances/widget-1.png)\n\n![Yfirlit fjármála](https://aurbjorg.is/images/daily-finances/widget-2.png)\n\nLífeyrisbestun\n\n## Hvenær vilt þú hætta að vinna?\n\nLífeyrisbestun Aurbjargar er snjallt bestunartól sem hjálpar þér að taka betri ákvarðanir um seinni árin þín. Þú setur inn upplýsingar um tekjur, sparnað og lífeyri og við finnum bestu leiðina fyrir þig.\n\n[Lífeyrisbestun](https://aurbjorg.is/lifeyrismal/lifeyrisbestun)\n\n![](https://aurbjorg.is/images/pension-optimizer/pension-optimizer-header.png)![](https://aurbjorg.is/images/pension-optimizer/pension-optimizer-1.png)![](https://aurbjorg.is/images/pension-optimizer/pension-optimizer-2.png)\n\nVerðmat\n\n## Hvað kostar fasteignin þín?\n\nVerðmat Creditinfo segir þér hvað fasteignin þín kostar, þú færð\n\n-   uppfært verðmat þinnar fasteignar í hverjum mánuði\n\n-   verðmat á 3 eignir í hverjum mánuði\n\n[Skoða Verðmat](https://aurbjorg.is/verdmat)\n\n![](https://aurbjorg.is/images/property-monitoring/property-monitoring-report-1.png)![](https://aurbjorg.is/images/property-monitoring/property-monitoring-report-2.png)![](https://aurbjorg.is/images/property-monitoring/property-monitoring-report-3.png)![](https://aurbjorg.is/images/property-monitoring/property-monitoring-report-4.png)\n\nViðskiptavinir okkar\n\n★★★★★\n\nÉg nýtti mér Lánskjaravaktina til að kanna möguleika á endurfjármögnun lánsins míns með það að markmiði að fá bæði lægri mánaðarlegar afborganir og lægri heildargreiðslu. Með því að sjá útreikninga frá öðrum lánveitendum við hliðina á mínu eigin láni varð samanburðurinn mjög einfaldur, og með nýja láninu náði ég að lækka mánaðarlegar afborganir verulega.\n\n\\- Arna\n\n★★★★★\n\n“Það var einfalt að skipta um rafveitu hjá Aurbjörgu. Borið saman verð og kjör og skipt yfir í ódýrara áætlun. Sparar nú 15% mánaðarreikninga, sem nemur um 50.000 krónum á ári. Frábært!”\n\n\\- Anna\n\n★★★★★\n\n“Notaði reiknivélar Aurbjargar áður en við seldum húsið okkar. Hjálpaði okkur að setja rétt verð, sem leiddi til skjótrar sölu og sparaði okkur um 5% í hugsanlegri lækkun. Það var mikil hjálp!“\n\n\\- Sigga\n\n★★★★★\n\n”Aurbjörg hefur hjálpað mér að finna hagstæðustu vexti hverju sinni og þróun húsnæðisverðs í mínu hverfi. Þar eru upplýsingar um allt á einu stað; kjör á lánum, ásamt hita- og rafmagns verðum. Opið 24/7 þegar mér hentar að skoða.”\n\n\\- Hörður\n\n★★★★★\n\nAurbjörg er frábært tól til að hámarka yfirsýnina yfir fjármál heimilisins. Ekki nóg með að lánskjaravaktin tryggi að þú sért alltaf með besta mögulega húsnæðislánið, heldur er líka mikill kostur að hafa greinagóðar upplýsingar um skuldbindingar þínar og sparnað, allt á einum stað. Svo er mjög auðvelt að gleyma sér í Samanburðarflipanum. Þar er hægt að bera saman verð á ýmis konar þjónustu. Ég veit t.d. alltaf hvar ódýrast er að versla eldsneyti og hvar það er hagstæðast fyrir mig að vera með símann í áskrift. Takk Aurbjörg!\n\n\\- Þorsteinn Haukur\n\n★★★★★\n\n”Endurfjármögnunartæki Aurbjargar var bjargvættur. Við fundum betri vexti og kjör sem sparaðu okkur um 1.500.000 krónur á líftíma lánsins. Get ekki mælt nóg með því!”\n\n\\- Sindri\n\n★★★★★\n\n”Aurbjörg hjálpaði mér mikið við fasteignakaup. Auðvelt aðgengi að skýru verðmati fasteigna og hvað aðrar fasteignir á því svæði voru að seljast á. Mjög flott lánareiknivél líka sem sýna hagkvæmustu lánin.”\n\n\\- Jón\n\n★★★★★\n\n”Aurbjörg hefur hjálpað mér að átta mig á hversu mikið ég á í fasteigninni minni sem gefur mér möguleika á að áætla næstu fasteignakaup á raunsærri hátt.”\n\n\\- Anna\n\nPrevious slideNext slide\n\nEignir & skuldir\n\n-   [Lánskjaravakt](https://aurbjorg.is/lanskjaravaktin)\n-   [Endurfjármögnun](https://aurbjorg.is/endurfjarmognun)\n-   [Húsnæðislánareiknivél](https://aurbjorg.is/husnaedislanareiknivel)\n-   [Bílalánareiknivél](https://aurbjorg.is/bilalanareiknivel)\n-   [Skammtímalánareiknivél](https://aurbjorg.is/skammtimalanareiknivel)\n-   [Berðu saman öll húsnæðislán](https://aurbjorg.is/husnaedislan)\n\nTekjur & gjöld\n\n-   [Dagleg fjármál](https://aurbjorg.is/dagleg-fjarmal)\n-   [Yfirlit fjármála](https://aurbjorg.is/yfirlit-fjarmala)\n-   [Rafmagn](https://aurbjorg.is/rafmagn)\n-   [Bifreiðaskoðun](https://aurbjorg.is/bifreidaskodun)\n-   [Bensín og dísel](https://aurbjorg.is/bensin)\n-   [Kreditkort](https://aurbjorg.is/kort)\n-   [Bankareikningar](https://aurbjorg.is/bankareikningar)\n-   [Fjarskipti](https://aurbjorg.is/fjarskipti/pakkar)\n\nEignavakt\n\n-   [Eignavakt](https://aurbjorg.is/eignavakt)\n-   [Verðmat](https://aurbjorg.is/verdmat)\n-   [Auglýsingasaga](https://aurbjorg.is/auglysingasaga)\n-   [Hlutdeildaláns eignir](https://aurbjorg.is/hms)\n-   [Vöktun](https://aurbjorg.is/eignavakt/voktun)\n-   [Greiðslumat](https://aurbjorg.is/greidslumat)\n\nLífeyrismál\n\n-   [Lífeyriskerfið á Íslandi](https://aurbjorg.is/lifeyrismal)\n-   [Lífeyrisbestun](https://aurbjorg.is/lifeyrismal/lifeyrisbestun)\n-   [Samtrygging](https://aurbjorg.is/lifeyrismal/samtrygging)\n-   [Séreign](https://aurbjorg.is/lifeyrismal/sereign)\n-   [Lífeyrisreiknivél](https://aurbjorg.is/lifeyrismal/lifeyrisreiknivel)\n-   [Lífeyrisréttindi](https://aurbjorg.is/lifeyrismal/lifeyrisrettindi)\n\nAurbjörg finnur tækifæri í fjármálum heimilisins\n\nLáttu Aurbjörgu standa vaktina og hjálpa þér að taka betri ákvarðanir í fjármálum.\n\n[Komdu í áskrift](https://min.aurbjorg.is/onboarding?utm_source=aurbjorg&utm_placement=footer)[Lesa meira](https://aurbjorg.is/askrift)\n\n[![Aurbjörg](https://aurbjorg.is/images/logo-white.svg)](https://aurbjorg.is/)\n\nMarkmið Aurbjargar er að auka fjármálalæsi, auka gagnsæi og aðstoða þig við að taka upplýstari og betri ákvarðanir í fjármálum.\n\n![Rannis](https://aurbjorg.is/images/rannis.png)![Taekniþrounarsjod](https://aurbjorg.is/images/taekni%C3%BErounarsjod.png)\n\n[Um Aurbjörgu](https://aurbjorg.is/um-okkur)[Skilmálar Aurbjargar](https://aurbjorgstatic.blob.core.windows.net/public/terms/BasicSubscriptionTerms_1.0.pdf)[Lagalegur fyrirvari](https://aurbjorg.is/page/lagalegur-fyrirvari)[Hafa samband](https://support.aurbjorg.is/is/support/tickets/new)\n\n[Gjafabréf](https://aurbjorg.is/askrift/gjafakort)[Verð](https://aurbjorg.is/askrift)[Fyrirtækjapakki](https://aurbjorg.is/askrift/fyrirtaeki)\n\n[Bloggið](https://aurbjorg.is/blog)[Persónuverndarstefna](https://aurbjorg.is/page/personuupplysingar)[Stillingar á vefkökum](https://aurbjorg.is/#)[Ertu með ábendingu?](https://support.aurbjorg.is/en/support/tickets/new)\n\n© 2017-2026 • Aurbjörg ehf. • 430518-1430 • Lágmúla 9 • 108 Reykjavík\n\n[![TikTok](https://aurbjorg.is/images/tik-tok.png)](https://www.tiktok.com/@aurbjorg)[![Facebook](https://aurbjorg.is/images/facebook-logo.png)](https://www.facebook.com/aurbjorg)[![Instagram](https://aurbjorg.is/images/instagram.png)](https://www.instagram.com/aurbjorg/)[](mailto:[email protected])\n",
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pl-11 md:h-12 md:pl-12\" placeholder=\"Þjónusta, samanburður og fasteignir ...\"/></div></div></div></div></div><div class=\"bg-background dark:bg-background relative overflow-hidden\"><div class=\"relative z-10\"><div class=\"container m-auto px-5 py-7 md:px-10\"><h1 class=\"pb-3 text-3xl font-bold md:text-5xl md:font-semibold\">Fjármálalausn sem<br/><span class=\"text-primary\">sparar þér tíma og peninga</span></h1><div class=\"opacity-65 md:text-lg\">Aurbjörg er lykillinn að betri yfirsýn og betri ákvörðunum.</div><div class=\"flex flex-col\"><div class=\"order-2 grid grid-cols-1 gap-4 md:order-first md:grid-cols-2 md:pt-7\"><div class=\"grid gap-4 2xl:grid-cols-2\"><div class=\"hidden md:block\"><a class=\"group/item bg-secondary relative block h-96 overflow-hidden rounded-xl border 2xl:h-100\" href=\"/lanskjaravaktin\"><div class=\"relative z-10 p-6\"><div><div class=\"font-headline group-hover/item:text-primary pb-1 text-xl font-semibold transition-colors\">Lánskjaravakt</div><div class=\"text-sm font-medium\">Ert þú með besta lánið fyrir þig?</div></div><div class=\"h-10\"></div><div class=\"absolute bottom-6 left-6 flex items-center gap-2 pt-4 text-sm\"><div class=\"font-medium\">Lesa meira</div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-arrow-right size-4 transition-transform ease-in-out group-hover/item:translate-x-1\" aria-hidden=\"true\"><path d=\"M5 12h14\"></path><path d=\"m12 5 7 7-7 7\"></path></svg></div></div><div class=\"absolute -bottom-10 left-15 w-[500px]\"><div class=\"relative flex aspect-716/460 w-full items-center justify-center\"><div class=\"group/inView\"><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-300 absolute top-0 right-[4%] z-2 w-[65%] opacity-0\" src=\"/images/loan-monitoring/mortgage-monitoring-results-1.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-100 absolute top-[17%] left-[5%] z-1 w-[83%] opacity-0\" src=\"/images/loan-monitoring/mortgage-monitoring-results-2.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-700 absolute bottom-[4%] left-0 z-2 w-[40%] opacity-0\" src=\"/images/loan-monitoring/mortgage-monitoring-results-3.png\" alt=\"\"/></div></div></div></a></div><div class=\"hidden 2xl:block\"><a class=\"group/item bg-secondary relative block h-96 overflow-hidden rounded-xl border 2xl:h-100\" href=\"/dagleg-fjarmal\"><div class=\"relative z-10 p-6\"><div><div class=\"font-headline group-hover/item:text-primary pb-1 text-xl font-semibold transition-colors\">Dagleg fjármál</div><div class=\"text-sm font-medium\">Sjáðu hvert launin fara, áður en mánuðurinn klárast</div></div><div class=\"h-10\"></div><div class=\"absolute bottom-6 left-6 flex items-center gap-2 pt-4 text-sm\"><div class=\"font-medium\">Lesa meira</div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-arrow-right size-4 transition-transform ease-in-out group-hover/item:translate-x-1\" aria-hidden=\"true\"><path d=\"M5 12h14\"></path><path d=\"m12 5 7 7-7 7\"></path></svg></div></div><div class=\"absolute -bottom-10 left-5 w-[470px]\"><div class=\"relative flex aspect-716/460 w-full items-center justify-center\"><div class=\"group/inView\"><div class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[5%] left-[5%] z-10 w-[80%] overflow-hidden rounded-xl border bg-white opacity-0 delay-1300\"><img class=\"h-full w-full object-contain\" src=\"/images/daily-finances/widget-8.png\" alt=\"Yfirlit fjármála\"/></div><div class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[76%] left-[40%] z-10 w-[30%] overflow-hidden rounded-xl border bg-white opacity-0 delay-1000\"><img class=\"h-full w-full object-cover\" src=\"/images/daily-finances/widget-9.png\" alt=\"Yfirlit fjármála\"/></div></div></div></div></a></div></div><div><a class=\"group/item bg-secondary relative block h-96 overflow-hidden rounded-xl border 2xl:h-100 dark:border-blue-800 dark:bg-blue-950\" href=\"/askrift\"><div class=\"absolute top-0 left-0 h-full w-full opacity-70\"></div><div class=\"relative z-10 p-6\"><div class=\"flex items-center gap-2 pb-10 text-lg\"><img class=\"h-6\" src=\"/images/logo-blue.svg\" alt=\"Aurbjörg\"/><div class=\"inline-flex items-center rounded-md bg-[linear-gradient(135deg,#00BC7D_0%,#3B82F6_30%,#8E51FF_65%,#FD9A00_100%)] px-2.5 py-0.5 font-black text-white uppercase ease-in\">Plús</div></div><div class=\"max-w-60 pb-4 text-2xl font-bold opacity-85 md:text-4xl\">Þjónustur sem styðja þig í fjármálum heimilisins</div><div class=\"flex items-center gap-2 pt-4 text-sm\"><div class=\"font-medium\">Lesa meira</div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-arrow-right size-4 transition-transform ease-in-out group-hover/item:translate-x-1\" aria-hidden=\"true\"><path d=\"M5 12h14\"></path><path d=\"m12 5 7 7-7 7\"></path></svg></div></div><div class=\"absolute right-10 bottom-15 md:-right-50 md:-bottom-10 2xl:-right-20 2xl:-bottom-10\"><div class=\"relative h-125\"><div class=\"absolute right-0 bottom-0 origin-bottom-right translate-x-[5%] translate-y-[20%] transform overflow-visible perspective-[900px] max-[768px]:translate-x-[25%] max-[768px]:translate-y-[25%] max-[768px]:scale-[0.75] max-[480px]:translate-x-[25%] max-[480px]:translate-y-[25%] max-[480px]:scale-[0.55]\" style=\"width:500px;height:400px\"><div class=\"absolute top-1/2 left-1/2 rounded-xl border border-white bg-black [will-change:transform] [backface-visibility:hidden] [transform-style:preserve-3d]  overflow-hidden bg-white shadow-[0px_4px_28px_0px_#00000014]\" style=\"width:500px;height:400px\"><img class=\"h-full w-full object-cover object-top-left\" src=\"/images/homepage/hub-2.png\" alt=\"hub\"/></div><div class=\"absolute top-1/2 left-1/2 rounded-xl border border-white bg-black [will-change:transform] [backface-visibility:hidden] [transform-style:preserve-3d]  overflow-hidden bg-white shadow-[0px_4px_28px_0px_#00000014]\" style=\"width:500px;height:400px\"><img class=\"h-full w-full object-cover object-top-left\" src=\"/images/homepage/hub-1.png\" alt=\"hub\"/></div><div class=\"absolute top-1/2 left-1/2 rounded-xl border border-white bg-black [will-change:transform] [backface-visibility:hidden] [transform-style:preserve-3d]  overflow-hidden bg-white shadow-[0px_4px_28px_0px_#00000014]\" style=\"width:500px;height:400px\"><img class=\"h-full w-full object-cover object-top-left\" src=\"/images/homepage/hub-3.png\" alt=\"hub\"/></div><div class=\"absolute top-1/2 left-1/2 rounded-xl border border-white bg-black [will-change:transform] [backface-visibility:hidden] [transform-style:preserve-3d]  overflow-hidden bg-white shadow-[0px_4px_28px_0px_#00000014]\" style=\"width:500px;height:400px\"><img class=\"h-full w-full object-cover object-top-left\" src=\"/images/homepage/hub-4.png\" alt=\"hub\"/></div></div></div></div></a></div></div><div class=\"overflow-x-scroll md:overflow-hidden\"><div class=\"grid w-600 grid-cols-10 gap-3 pt-8 md:w-auto md:grid-cols-4 md:gap-3 md:gap-y-7\"><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors md:hidden\" href=\"/dagleg-fjarmal\"><img src=\"/images/icons/finances.png\" class=\"h-10 w-10 shrink-0\" alt=\"Dagleg fjármál\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Dagleg fjármál</div><div class=\"text-[0.8rem] md:pr-5\">Sjáðu hvert launin fara, áður en mánuðurinn klárast</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors md:hidden\" href=\"/lanskjaravaktin\"><img src=\"/images/icons/megaphone.png\" class=\"h-10 w-10 shrink-0\" alt=\"Dagleg fjármál\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Lánskjaravakt</div><div class=\"text-[0.8rem]\">Ert þú með besta lánið fyrir þig?</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/rafmagn\"><img src=\"/images/icons/zap.png\" class=\"size-8 shrink-0\" alt=\"Rafmagn\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Rafmagn</div><div class=\"text-[0.8rem] md:pr-5\">Óháðan samanburð á raforkuverði</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/verdmat\"><img src=\"/images/icons/house-stars.png\" class=\"size-8 shrink-0\" alt=\"Verðmat\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Verðmat</div><div class=\"text-[0.8rem] md:pr-5\">Fáðu uppfært markaðsvirði á þinni fasteign</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/lifeyrismal\"><img src=\"/images/icons/pension-in-iceland.png\" class=\"size-8 shrink-0\" alt=\"Lífeyriskerfið\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Lífeyriskerfið á Íslandi</div><div class=\"text-[0.8rem] md:pr-10\">Ert þú með besta lífeyrissjóðinn fyrir þig?</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/eignavakt\"><img src=\"/images/icons/property-watch.png\" class=\"size-8 shrink-0\" alt=\"Eignavakt\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Eignavakt</div><div class=\"text-[0.8rem] md:pr-5\">Finnur þú eignir sem henta þínum fjárhag</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/lifeyrismal/lifeyrisbestun\"><img src=\"/images/icons/pension-optimizer.png\" class=\"size-8 shrink-0\" alt=\"Eignavakt\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Lífeyrisbestun</div><div class=\"text-[0.8rem] md:pr-5\">Hvenær vilt þú hætta að vinna?</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/husnaedislanareiknivel\"><img src=\"/images/icons/refinancing.png\" class=\"size-8 shrink-0\" alt=\"Eignavakt\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Húsnæðislánareiknivél</div><div class=\"text-[0.8rem] md:pr-5\">Finndu besta húsnæðislánið</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/bankareikningar\"><img src=\"/images/icons/bank.png\" class=\"size-8 shrink-0\" alt=\"Eignavakt\"/><div><div class=\"group-hover/item:text-primary font-headline font-medium\">Bankareikningar</div><div class=\"line-clamp-2 text-[0.8rem] md:pr-5\">Finndu besta reikninginn fyrir þig</div></div></a><a class=\"group/item relative flex gap-3 overflow-hidden transition-colors\" href=\"/all\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-layout-grid text-muted-foreground size-8\" aria-hidden=\"true\"><rect width=\"7\" height=\"7\" x=\"3\" y=\"3\" rx=\"1\"></rect><rect width=\"7\" height=\"7\" x=\"14\" y=\"3\" rx=\"1\"></rect><rect width=\"7\" height=\"7\" x=\"14\" y=\"14\" rx=\"1\"></rect><rect width=\"7\" height=\"7\" x=\"3\" y=\"14\" rx=\"1\"></rect></svg><div><div class=\"font-headline group-hover/item:text-primary font-medium\">Skoða allt</div><div class=\"flex items-center gap-2 text-sm\"><div class=\"text-[0.8rem]\">Lesa meira</div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-arrow-right size-4 transition-transform ease-in-out group-hover/item:translate-x-1\" aria-hidden=\"true\"><path d=\"M5 12h14\"></path><path d=\"m12 5 7 7-7 7\"></path></svg></div></div></a></div></div></div></div></div></div><div class=\"bg-secondary border-t\"><div class=\"pt-12 pb-5\"><div class=\"container m-auto\"><h2 class=\"font-headline flex items-center gap-1.5 px-5 pb-4 text-2xl font-semibold md:px-10\"><span class=\"inline-block\">Markaðurinn</span><span class=\"inline-block rounded-full bg-blue-500 px-2 py-0.5 text-sm font-medium text-stone-50 capitalize\">maí<!-- --> <!-- -->2026</span></h2><div class=\"overflow-x-scroll md:overflow-hidden\"><div class=\"grid w-260 grid-cols-3 gap-2 px-5 md:w-auto md:gap-4 md:px-10\"><div class=\"bg-background rounded-2xl border p-4 md:p-6\"><div class=\"flex items-center justify-between\"><div><h3 class=\"text-xl font-semibold md:text-2xl\">Húsnæðislán</h3><div class=\"text-muted-foreground text-sm\">Berðu saman öll á einum stað</div></div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-landmark text-muted-foreground size-8 opacity-25\" aria-hidden=\"true\"><path d=\"M10 18v-7\"></path><path d=\"M11.12 2.198a2 2 0 0 1 1.76.006l7.866 3.847c.476.233.31.949-.22.949H3.474c-.53 0-.695-.716-.22-.949z\"></path><path d=\"M14 18v-7\"></path><path d=\"M18 18v-7\"></path><path d=\"M3 22h18\"></path><path d=\"M6 18v-7\"></path></svg></div><div class=\"pt-4\"><div dir=\"ltr\" data-orientation=\"horizontal\" data-slot=\"tabs\" class=\"group/tabs flex gap-2 data-[orientation=horizontal]:flex-col\"><div role=\"tablist\" aria-orientation=\"horizontal\" data-slot=\"tabs-list\" data-variant=\"default\" class=\"rounded-lg p-[3px] group-data-[orientation=horizontal]/tabs:h-9 data-[variant=line]:rounded-none group/tabs-list text-muted-foreground inline-flex w-fit items-center justify-center group-data-[orientation=vertical]/tabs:h-fit group-data-[orientation=vertical]/tabs:flex-col bg-muted\" tabindex=\"-1\" data-orientation=\"horizontal\" style=\"outline:none\"><button type=\"button\" role=\"tab\" aria-selected=\"true\" aria-controls=\"radix-_R_2cqnrivb_-content-nonIndexed\" data-state=\"active\" id=\"radix-_R_2cqnrivb_-trigger-nonIndexed\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">Óverðtryggt</button><button type=\"button\" role=\"tab\" aria-selected=\"false\" aria-controls=\"radix-_R_2cqnrivb_-content-indexed\" data-state=\"inactive\" id=\"radix-_R_2cqnrivb_-trigger-indexed\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">Verðtryggt</button></div><div data-state=\"active\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_2cqnrivb_-trigger-nonIndexed\" id=\"radix-_R_2cqnrivb_-content-nonIndexed\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\" style=\"animation-duration:0s\"><div dir=\"ltr\" data-orientation=\"horizontal\" data-slot=\"tabs\" class=\"group/tabs flex gap-2 data-[orientation=horizontal]:flex-col\"><div role=\"tablist\" aria-orientation=\"horizontal\" data-slot=\"tabs-list\" data-variant=\"default\" class=\"rounded-lg p-[3px] group-data-[orientation=horizontal]/tabs:h-9 data-[variant=line]:rounded-none group/tabs-list text-muted-foreground inline-flex w-fit items-center justify-center group-data-[orientation=vertical]/tabs:h-fit group-data-[orientation=vertical]/tabs:flex-col bg-muted\" tabindex=\"-1\" data-orientation=\"horizontal\" style=\"outline:none\"><button type=\"button\" role=\"tab\" aria-selected=\"true\" aria-controls=\"radix-_R_mcqnrivb_-content-b\" data-state=\"active\" id=\"radix-_R_mcqnrivb_-trigger-b\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">Fast. 3ár</button><button type=\"button\" role=\"tab\" aria-selected=\"false\" aria-controls=\"radix-_R_mcqnrivb_-content-c\" data-state=\"inactive\" id=\"radix-_R_mcqnrivb_-trigger-c\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">Fast. 5ár</button><button type=\"button\" role=\"tab\" aria-selected=\"false\" aria-controls=\"radix-_R_mcqnrivb_-content-a\" data-state=\"inactive\" id=\"radix-_R_mcqnrivb_-trigger-a\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">Breyt.</button></div><div data-state=\"inactive\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_mcqnrivb_-trigger-a\" hidden=\"\" id=\"radix-_R_mcqnrivb_-content-a\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\"></div><div data-state=\"active\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_mcqnrivb_-trigger-b\" id=\"radix-_R_mcqnrivb_-content-b\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\" style=\"animation-duration:0s\"><div class=\"grid w-full grid-cols-6 gap-2 2xl:gap-5\"><div class=\"relative pt-8\"><div class=\"-mb-1 flex h-35 flex-col justify-end rounded-md\"><div class=\"border-primary/30 bg-primary/10 relative rounded-lg border\" style=\"height:133.6723163841808px\"><div class=\"absolute -top-5 w-full text-center text-xs font-medium\">8,45 %</div></div></div><div class=\"absolute right-0 bottom-0 left-0 flex w-full flex-col items-end justify-end overflow-hidden pb-[100%]\"><div class=\"bg-background absolute bottom-1 mx-2 overflow-hidden rounded-sm\"><img class=\"relative w-full\" src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/03/gwhk5drGIV0MqWD4.jpg\" alt=\"\"/></div></div></div><div class=\"relative pt-8\"><div class=\"-mb-1 flex h-35 flex-col justify-end rounded-md\"><div class=\"border-primary/30 bg-primary/10 relative rounded-lg border\" style=\"height:140px\"><div class=\"absolute -top-5 w-full text-center text-xs font-medium\">8,85 %</div></div></div><div class=\"absolute right-0 bottom-0 left-0 flex w-full flex-col items-end justify-end overflow-hidden pb-[100%]\"><div class=\"bg-background absolute bottom-1 mx-2 overflow-hidden rounded-sm\"><img class=\"relative w-full\" src=\"https://aurbjorgstatic.blob.core.windows.net/images/logos/almenni-logo.png\" alt=\"\"/></div></div></div><div class=\"relative pt-8\"><div class=\"-mb-1 flex h-35 flex-col justify-end rounded-md\"><div class=\"border-primary/30 bg-primary/10 relative rounded-lg border\" style=\"height:134.93785310734464px\"><div class=\"absolute -top-5 w-full text-center text-xs font-medium\">8,53 %</div></div></div><div class=\"absolute right-0 bottom-0 left-0 flex w-full flex-col items-end justify-end overflow-hidden pb-[100%]\"><div class=\"bg-background absolute bottom-1 mx-2 overflow-hidden rounded-sm\"><img class=\"relative w-full\" src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/03/6h2mOc7XRyPckP8e.jpg\" alt=\"\"/></div></div></div><div class=\"relative pt-8\"><div class=\"-mb-1 flex h-35 flex-col justify-end rounded-md\"><div class=\"border-primary/30 bg-primary/10 relative rounded-lg border\" style=\"height:138.4180790960452px\"><div class=\"absolute -top-5 w-full text-center text-xs font-medium\">8,75 %</div></div></div><div class=\"absolute right-0 bottom-0 left-0 flex w-full flex-col items-end justify-end overflow-hidden pb-[100%]\"><div class=\"bg-background absolute bottom-1 mx-2 overflow-hidden rounded-sm\"><img class=\"relative w-full\" src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/02/9QxVB7z8E7oITyGJ.jpg\" alt=\"\"/></div></div></div><div class=\"relative pt-8\"><div class=\"-mb-1 flex h-35 flex-col justify-end rounded-md\"><div class=\"border-primary/30 bg-primary/10 relative rounded-lg border\" style=\"height:133.6723163841808px\"><div class=\"absolute -top-5 w-full text-center text-xs font-medium\">8,45 %</div></div></div><div class=\"absolute right-0 bottom-0 left-0 flex w-full flex-col items-end justify-end overflow-hidden pb-[100%]\"><div class=\"bg-background absolute bottom-1 mx-2 overflow-hidden rounded-sm\"><img class=\"relative w-full\" src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/02/M5S86mIxW7BpNSu6.jpg\" alt=\"\"/></div></div></div><div class=\"relative pt-8\"><div class=\"-mb-1 flex h-35 flex-col justify-end rounded-md\"><div class=\"border-primary/30 bg-primary/10 relative rounded-lg border\" style=\"height:138.25988700564974px\"><div class=\"absolute -top-5 w-full text-center text-xs font-medium\">8,74 %</div></div></div><div class=\"absolute right-0 bottom-0 left-0 flex w-full flex-col items-end justify-end overflow-hidden pb-[100%]\"><div class=\"bg-background absolute bottom-1 mx-2 overflow-hidden rounded-sm\"><img class=\"relative w-full\" src=\"https://stjorna.lanareiknir.is/storage/blog/images/2025/10/OSM1PGVhfNf3mUQH.jpg\" alt=\"\"/></div></div></div></div></div><div data-state=\"inactive\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_mcqnrivb_-trigger-c\" hidden=\"\" id=\"radix-_R_mcqnrivb_-content-c\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\"></div></div></div><div data-state=\"inactive\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_2cqnrivb_-trigger-indexed\" hidden=\"\" id=\"radix-_R_2cqnrivb_-content-indexed\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\"></div></div></div><div class=\"pt-5\"><a data-slot=\"button\" data-variant=\"outline\" data-size=\"sm\" class=\"inline-flex items-center justify-center whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border bg-background shadow-xs hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 h-8 rounded-md gap-1.5 px-3 has-[&gt;svg]:px-2.5\" href=\"/husnaedislan\">Sjá allt<!-- --> <svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right\" aria-hidden=\"true\"><path d=\"m9 18 6-6-6-6\"></path></svg></a></div></div><div class=\"bg-background rounded-2xl border p-4 md:p-6\"><div class=\"flex items-center justify-between pb-4\"><div><h3 class=\"text-xl font-semibold md:text-2xl\">Bankareikningar</h3><div class=\"text-muted-foreground text-sm\">Frá öllum bönkum</div></div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-shield-check text-muted-foreground size-8 opacity-25\" aria-hidden=\"true\"><path d=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"></path><path d=\"m9 12 2 2 4-4\"></path></svg></div><div dir=\"ltr\" data-orientation=\"horizontal\" data-slot=\"tabs\" class=\"group/tabs flex gap-2 data-[orientation=horizontal]:flex-col\"><div role=\"tablist\" aria-orientation=\"horizontal\" data-slot=\"tabs-list\" data-variant=\"default\" class=\"rounded-lg p-[3px] group-data-[orientation=horizontal]/tabs:h-9 data-[variant=line]:rounded-none group/tabs-list text-muted-foreground inline-flex w-fit items-center justify-center group-data-[orientation=vertical]/tabs:h-fit group-data-[orientation=vertical]/tabs:flex-col bg-muted\" tabindex=\"-1\" data-orientation=\"horizontal\" style=\"outline:none\"><button type=\"button\" role=\"tab\" aria-selected=\"true\" aria-controls=\"radix-_R_2kqnrivb_-content-noWaiting\" data-state=\"active\" id=\"radix-_R_2kqnrivb_-trigger-noWaiting\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">Enginn binditími</button><button type=\"button\" role=\"tab\" aria-selected=\"false\" aria-controls=\"radix-_R_2kqnrivb_-content-1to1\" data-state=\"inactive\" id=\"radix-_R_2kqnrivb_-trigger-1to1\" data-slot=\"tabs-trigger\" class=\"focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:outline-ring text-foreground/60 hover:text-foreground dark:text-muted-foreground dark:hover:text-foreground relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-2 py-1 text-sm font-medium whitespace-nowrap transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start focus-visible:ring-[3px] focus-visible:outline-1 disabled:pointer-events-none disabled:opacity-50 group-data-[variant=default]/tabs-list:data-[state=active]:shadow-sm group-data-[variant=line]/tabs-list:data-[state=active]:shadow-none [&amp;_svg]:pointer-events-none [&amp;_svg]:shrink-0 [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:border-transparent dark:group-data-[variant=line]/tabs-list:data-[state=active]:bg-transparent dark:data-[state=active]:text-foreground dark:data-[state=active]:border-input after:bg-foreground after:absolute after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-[state=active]:after:opacity-100 data-[state=active]:bg-primary dark:data-[state=active]:bg-primary data-[state=active]:text-white\" tabindex=\"-1\" data-orientation=\"horizontal\" data-radix-collection-item=\"\">1 mán. til 1 ár</button></div><div data-state=\"active\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_2kqnrivb_-trigger-noWaiting\" id=\"radix-_R_2kqnrivb_-content-noWaiting\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\" style=\"animation-duration:0s\"><div class=\"space-y-2 pt-2\"><div class=\"relative h-9\"><div class=\"pt-1 pl-1\"><div class=\"bg-background relative z-1 h-7 w-7 overflow-hidden rounded-sm\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/02/TsGaZ99qartROvnK.jpg\" alt=\"Auður\" class=\"absolute top-0 left-0 h-full w-full\"/></div></div><div class=\"border-primary/30 bg-primary/10 absolute top-0 left-0 flex h-9 items-center justify-end rounded-md border\" style=\"width:100%\"><div class=\"text-primary pr-2 text-sm font-medium\">7,23 %</div></div></div><div class=\"relative h-9\"><div class=\"pt-1 pl-1\"><div class=\"bg-background relative z-1 h-7 w-7 overflow-hidden rounded-sm\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/02/M5S86mIxW7BpNSu6.jpg\" alt=\"Landsbankinn\" class=\"absolute top-0 left-0 h-full w-full\"/></div></div><div class=\"border-primary/30 bg-primary/10 absolute top-0 left-0 flex h-9 items-center justify-end rounded-md border\" style=\"width:98.47856154910096%\"><div class=\"text-primary pr-2 text-sm font-medium\">7,12 %</div></div></div><div class=\"relative h-9\"><div class=\"pt-1 pl-1\"><div class=\"bg-background relative z-1 h-7 w-7 overflow-hidden rounded-sm\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/03/gwhk5drGIV0MqWD4.jpg\" alt=\"Íslandsbanki\" class=\"absolute top-0 left-0 h-full w-full\"/></div></div><div class=\"border-primary/30 bg-primary/10 absolute top-0 left-0 flex h-9 items-center justify-end rounded-md border\" style=\"width:93.49930843706777%\"><div class=\"text-primary pr-2 text-sm font-medium\">6,76 %</div></div></div><div class=\"relative h-9\"><div class=\"pt-1 pl-1\"><div class=\"bg-background relative z-1 h-7 w-7 overflow-hidden rounded-sm\"><div class=\"bg-background flex h-full w-full items-center justify-center\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-landmark text-muted-foreground size-4 opacity-50\" aria-hidden=\"true\"><path d=\"M10 18v-7\"></path><path d=\"M11.12 2.198a2 2 0 0 1 1.76.006l7.866 3.847c.476.233.31.949-.22.949H3.474c-.53 0-.695-.716-.22-.949z\"></path><path d=\"M14 18v-7\"></path><path d=\"M18 18v-7\"></path><path d=\"M3 22h18\"></path><path d=\"M6 18v-7\"></path></svg></div></div></div><div class=\"border-primary/30 bg-primary/10 absolute top-0 left-0 flex h-9 items-center justify-end rounded-md border\" style=\"width:86.7219917012448%\"><div class=\"text-primary pr-2 text-sm font-medium\">6,27 %</div></div></div><div class=\"relative h-9\"><div class=\"pt-1 pl-1\"><div class=\"bg-background relative z-1 h-7 w-7 overflow-hidden rounded-sm\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2022/02/M5S86mIxW7BpNSu6.jpg\" alt=\"Landsbankinn\" class=\"absolute top-0 left-0 h-full w-full\"/></div></div><div class=\"border-primary/30 bg-primary/10 absolute top-0 left-0 flex h-9 items-center justify-end rounded-md border\" style=\"width:75.38035961272476%\"><div class=\"text-primary pr-2 text-sm font-medium\">5,45 %</div></div></div></div></div><div data-state=\"inactive\" data-orientation=\"horizontal\" role=\"tabpanel\" aria-labelledby=\"radix-_R_2kqnrivb_-trigger-1to1\" hidden=\"\" id=\"radix-_R_2kqnrivb_-content-1to1\" tabindex=\"0\" data-slot=\"tabs-content\" class=\"flex-1 outline-none\"></div></div><div class=\"pt-4\"><a data-slot=\"button\" data-variant=\"outline\" data-size=\"sm\" class=\"inline-flex items-center justify-center whitespace-nowrap font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border bg-background shadow-xs hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 h-8 rounded-md gap-1.5 px-3 has-[&gt;svg]:px-2.5 text-sm\" href=\"/bankareikningar\">Sjá allt<!-- --> <svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right\" aria-hidden=\"true\"><path d=\"m9 18 6-6-6-6\"></path></svg></a></div></div><div class=\"bg-background rounded-2xl border p-4 md:p-6\"><div class=\"flex items-center justify-between pb-2\"><div><div class=\"text-xl font-semibold md:text-2xl\">Verðbólga og meginvextir</div><div class=\"text-muted-foreground text-sm\">Hitastig hagkerfisins</div></div><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-trending-up-down text-muted-foreground size-8 opacity-25\" aria-hidden=\"true\"><path d=\"M14.828 14.828 21 21\"></path><path d=\"M21 16v5h-5\"></path><path d=\"m21 3-9 9-4-4-6 6\"></path><path d=\"M21 8V3h-5\"></path></svg></div><div><div class=\"space-y-3\"><div class=\"\"><div class=\"flex items-center gap-5\"><div class=\"recharts-responsive-container\" style=\"width:100%;height:120px;min-width:0\"></div><div class=\"flex flex-col justify-end text-right\"><div class=\"pb-2 text-right text-sm font-medium\">Verðbólga</div><div class=\"text-xl font-semibold\">5,20<!-- -->%</div><div class=\"rounded-full p-1 text-center text-xs bg-destructive/50\">+<!-- -->0,00<!-- -->%</div></div></div></div><div class=\"border-t pt-3\"><div class=\"flex items-center gap-5\"><div class=\"recharts-responsive-container\" style=\"width:100%;height:120px;min-width:0\"></div><div class=\"flex flex-col justify-end text-right\"><div class=\"pb-2 text-sm font-medium\">Meginvextir</div><div class=\"text-xl font-semibold\">7,50<!-- -->%</div><div class=\"rounded-full p-1 text-center text-xs bg-destructive/50\">+<!-- -->0,25<!-- -->%</div></div></div></div><div class=\"pt-2\"><a data-slot=\"button\" data-variant=\"outline\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border bg-background shadow-xs hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 h-9 px-4 py-2 has-[&gt;svg]:px-3\" href=\"/blog/styrivextir--zestu\">Lestu hvað þetta þýðir<!-- --> <svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right\" aria-hidden=\"true\"><path d=\"m9 18 6-6-6-6\"></path></svg></a></div></div></div></div></div></div><div class=\"grid grid-cols-1 gap-2 px-5 pt-2 md:grid-cols-[1fr_2fr] md:gap-4 md:px-10 md:pt-4\"><div class=\"bg-background rounded-2xl border p-4 md:p-6\"><div class=\"pb-4 text-xl font-semibold md:text-2xl\">Gengi</div><div><a class=\"hover:text-primary flex items-center justify-between transition-colors\" href=\"/gengi/eur-isk\"><div class=\"flex items-center gap-2\"><div><img src=\"/images/emoji/EUR-ISK.png\" alt=\"EUR-ISK\" class=\"size-8\"/></div><div class=\"font-medium\">EUR</div></div><div>143,68 kr.</div></a><a class=\"hover:text-primary flex items-center justify-between transition-colors\" href=\"/gengi/usd-isk\"><div class=\"flex items-center gap-2\"><div><img src=\"/images/emoji/USD-ISK.png\" alt=\"USD-ISK\" class=\"size-8\"/></div><div class=\"font-medium\">USD</div></div><div>122,55 kr.</div></a><a class=\"hover:text-primary flex items-center justify-between transition-colors\" href=\"/gengi/gbp-isk\"><div class=\"flex items-center gap-2\"><div><img src=\"/images/emoji/GBP-ISK.png\" alt=\"GBP-ISK\" class=\"size-8\"/></div><div class=\"font-medium\">GBP</div></div><div>165,84 kr.</div></a><div class=\"pt-2\"><a data-slot=\"button\" data-variant=\"outline\" data-size=\"sm\" class=\"inline-flex items-center justify-center whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border bg-background shadow-xs hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 h-8 rounded-md gap-1.5 px-3 has-[&gt;svg]:px-2.5\" href=\"/gengi\">Fleiri gjaldmiðlar <svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right\" aria-hidden=\"true\"><path d=\"m9 18 6-6-6-6\"></path></svg></a></div></div></div><div class=\"bg-background rounded-2xl border p-4 md:p-6\"><div class=\"pb-4 text-xl font-semibold md:text-2xl\">Nýtt í auglýsingasögu</div><div class=\"grid grid-cols-[1fr_120px] gap-2\"><div dir=\"ltr\" class=\"relative overflow-hidden w-full\" style=\"position:relative;--radix-scroll-area-corner-width:0px;--radix-scroll-area-corner-height:0px\"><style>[data-radix-scroll-area-viewport]{scrollbar-width:none;-ms-overflow-style:none;-webkit-overflow-scrolling:touch;}[data-radix-scroll-area-viewport]::-webkit-scrollbar{display:none}</style><div data-radix-scroll-area-viewport=\"\" class=\"h-full w-full rounded-[inherit]\" style=\"overflow-x:hidden;overflow-y:hidden\"><div style=\"min-width:100%;display:table\"><div class=\"flex gap-3 pb-2\"><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/lambamyri-4-0304-225-7617127/12-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/a8a9c2f05f471153ac3b6ea39cfb56e97860886d/1_regular.jpg\" alt=\"Lambamýri 4, 225 Garðabær\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Lambamýri 4, 225 Garðabær</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/alagrandi-8-0102-107-5885262/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/ac6c9fa373ae8e1b225b9c8e28189e5978ae8ef1/1_regular.jpg\" alt=\"Álagrandi 8, 107 Reykjavík\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Álagrandi 8, 107 Reykjavík</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/hellisgata-18-0201-220-4885788/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/a3d4d811d5c6e8bba9fedb0d75cac5b4eba48565/1_regular.jpg\" alt=\"Hellisgata 18, 220 Hafnarfjörður\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Hellisgata 18, 220 Hafnarfjörður</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/framnesvegur-40-0202-101-7827174/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/24d0835233a892db04e3f7ae5a6090d31e70f91b/1_regular.jpg\" alt=\"Framnesvegur 40, 101 Reykjavík\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Framnesvegur 40, 101 Reykjavík</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/holtsgata-25-0102-260-7339922/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/adbb9eb5eda023d790e514b5210089d3d8aed4e9/1_regular.jpg\" alt=\"Holtsgata 25, 260 Reykjanesbær\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Holtsgata 25, 260 Reykjanesbær</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/hateigur-12-0103-230-8437750/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/b75484259f4501abf5df42bf0ee67372565efd2e/1_regular.jpg\" alt=\"Háteigur 12, 230 Reykjanesbær\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Háteigur 12, 230 Reykjanesbær</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/snaegil-19-0202-603-4382339/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/3b6055f0026739460ee979281857a406669deda6/1_regular.jpg\" alt=\"Snægil 19, 603 Akureyri\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Snægil 19, 603 Akureyri</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/hafnargata-20-0201-230-6312612/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/c951f5f9b6059f8d0a6aff64f1ec4d5748f80096/1_regular.jpg\" alt=\"Hafnargata 20, 230 Reykjanesbær\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Hafnargata 20, 230 Reykjanesbær</div></a></div><div class=\"w-30\"><a class=\"group/link flex flex-col items-center gap-2\" href=\"/verdmat/graenaborg-2i-0204-190-8081054/14-05-2026\"><img class=\"h-24 w-full shrink-0 rounded-md object-cover\" src=\"https://aurbjorg.lon1.digitaloceanspaces.com/aurbjorgmain/cebadf8b6612f5d417630e4348531c4ac2a20413/1_regular.jpg\" alt=\"Grænaborg 2I, 190 Sveitarfélagið Vogar\"/><div class=\"text-xs transition-colors group-hover/link:text-blue-500\">Grænaborg 2I, 190 Sveitarfélagið Vogar</div></a></div></div></div></div></div><a data-slot=\"button\" data-variant=\"outline\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border bg-background shadow-xs hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 px-4 py-2 has-[&gt;svg]:px-3 h-24\" href=\"/auglysingasaga\">Lesa meira <svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chevron-right\" aria-hidden=\"true\"><path d=\"m9 18 6-6-6-6\"></path></svg></a></div></div></div></div></div></div><div class=\"bg-secondary pb-12\"><div class=\"container m-auto px-5 md:px-10\"><div class=\"bg-background rounded-2xl border p-4 md:p-6\"><div class=\"pb-2 text-xl font-semibold md:text-2xl\">Bloggið</div><div class=\"flex flex-wrap items-center gap-1.5 md:gap-5\"><a data-slot=\"button\" data-variant=\"ghost\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive hover:bg-accent dark:hover:bg-accent/50 h-9 py-2 has-[&gt;svg]:px-3 hover:text-primary px-0\" href=\"/blog\"><div class=\"bg-background flex h-8 w-8 items-center justify-center rounded-md\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-scroll-text size-5\" aria-hidden=\"true\"><path d=\"M15 12h-5\"></path><path d=\"M15 8h-5\"></path><path d=\"M19 17V5a2 2 0 0 0-2-2H4\"></path><path d=\"M8 21h12a2 2 0 0 0 2-2v-1a1 1 0 0 0-1-1H11a1 1 0 0 0-1 1v1a2 2 0 1 1-4 0V5a2 2 0 1 0-4 0v2a1 1 0 0 0 1 1h3\"></path></svg></div>Allt</a><a data-slot=\"button\" data-variant=\"ghost\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive hover:bg-accent dark:hover:bg-accent/50 h-9 py-2 has-[&gt;svg]:px-3 hover:text-primary px-0\" href=\"/blog/flokkur/lanamal\"><div class=\"bg-background flex h-8 w-8 items-center justify-center rounded-md\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-hand-coins size-5\" aria-hidden=\"true\"><path d=\"M11 15h2a2 2 0 1 0 0-4h-3c-.6 0-1.1.2-1.4.6L3 17\"></path><path d=\"m7 21 1.6-1.4c.3-.4.8-.6 1.4-.6h4c1.1 0 2.1-.4 2.8-1.2l4.6-4.4a2 2 0 0 0-2.75-2.91l-4.2 3.9\"></path><path d=\"m2 16 6 6\"></path><circle cx=\"16\" cy=\"9\" r=\"2.9\"></circle><circle cx=\"6\" cy=\"5\" r=\"3\"></circle></svg></div>Lánamál</a><a data-slot=\"button\" data-variant=\"ghost\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive hover:bg-accent dark:hover:bg-accent/50 h-9 py-2 has-[&gt;svg]:px-3 hover:text-primary px-0\" href=\"/blog/flokkur/lifeyrismal\"><div class=\"bg-background flex h-8 w-8 items-center justify-center rounded-md\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-tree-palm size-5\" aria-hidden=\"true\"><path d=\"M13 8c0-2.76-2.46-5-5.5-5S2 5.24 2 8h2l1-1 1 1h4\"></path><path d=\"M13 7.14A5.82 5.82 0 0 1 16.5 6c3.04 0 5.5 2.24 5.5 5h-3l-1-1-1 1h-3\"></path><path d=\"M5.89 9.71c-2.15 2.15-2.3 5.47-.35 7.43l4.24-4.25.7-.7.71-.71 2.12-2.12c-1.95-1.96-5.27-1.8-7.42.35\"></path><path d=\"M11 15.5c.5 2.5-.17 4.5-1 6.5h4c2-5.5-.5-12-1-14\"></path></svg></div>Lífeyrismál</a><a data-slot=\"button\" data-variant=\"ghost\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive hover:bg-accent dark:hover:bg-accent/50 h-9 py-2 has-[&gt;svg]:px-3 hover:text-primary px-0\" href=\"/blog/flokkur/utgjold\"><div class=\"bg-background flex h-8 w-8 items-center justify-center rounded-md\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-chart-line size-5\" aria-hidden=\"true\"><path d=\"M3 3v16a2 2 0 0 0 2 2h16\"></path><path d=\"m19 9-5 5-4-4-3 3\"></path></svg></div>Útgjöld</a><a data-slot=\"button\" data-variant=\"ghost\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive hover:bg-accent dark:hover:bg-accent/50 h-9 py-2 has-[&gt;svg]:px-3 hover:text-primary px-0\" href=\"/blog/flokkur/fasteignir\"><div class=\"bg-background flex h-8 w-8 items-center justify-center rounded-md\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-house-heart size-5\" aria-hidden=\"true\"><path d=\"M8.62 13.8A2.25 2.25 0 1 1 12 10.836a2.25 2.25 0 1 1 3.38 2.966l-2.626 2.856a.998.998 0 0 1-1.507 0z\"></path><path d=\"M3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"></path></svg></div>Fasteignir</a><a data-slot=\"button\" data-variant=\"ghost\" data-size=\"default\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap rounded-md text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive hover:bg-accent dark:hover:bg-accent/50 h-9 py-2 has-[&gt;svg]:px-3 hover:text-primary px-0\" href=\"/blog/flokkur/sparnadur\"><div class=\"bg-background flex h-8 w-8 items-center justify-center rounded-md\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-piggy-bank size-5\" aria-hidden=\"true\"><path d=\"M11 17h3v2a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1v-3a3.16 3.16 0 0 0 2-2h1a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1h-1a5 5 0 0 0-2-4V3a4 4 0 0 0-3.2 1.6l-.3.4H11a6 6 0 0 0-6 6v1a5 5 0 0 0 2 4v3a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1z\"></path><path d=\"M16 10h.01\"></path><path d=\"M2 8v1a2 2 0 0 0 2 2h1\"></path></svg></div>Sparnaður</a></div><div class=\"overflow-x-scroll md:overflow-hidden\"><div class=\"grid w-240 grid-cols-4 gap-x-3 gap-y-5 pt-4 md:w-auto md:gap-x-5\"><a class=\"group/blog block overflow-hidden rounded-xl\" href=\"/blog/lifeyrisbestun-hamarkadu-lifeyrinn-thinn--6mroi\"><div class=\"relative aspect-video overflow-hidden rounded-xl\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2026/04/9ee0f7ePAFWczEBn.jpg\" alt=\"Lífeyrisbestun: Hámarkaðu lífeyrinn þinn\" class=\"h-full w-full object-cover\"/></div><div class=\"pt-2.5 pr-5\"><div class=\"group-hover/blog:text-primary text-muted-foreground line-clamp-3 text-sm transition-colors md:text-base\">Lífeyrisbestun: Hámarkaðu lífeyrinn þinn</div></div></a><a class=\"group/blog block overflow-hidden rounded-xl\" href=\"/blog/lifeyrisbestun-haettu-ad-vinna-x-ara--n9zd0\"><div class=\"relative aspect-video overflow-hidden rounded-xl\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2026/04/2vu64mDYAbew5DfG.jpg\" alt=\"Lífeyrisbestun: Hættu að vinna X ára\" class=\"h-full w-full object-cover\"/></div><div class=\"pt-2.5 pr-5\"><div class=\"group-hover/blog:text-primary text-muted-foreground line-clamp-3 text-sm transition-colors md:text-base\">Lífeyrisbestun: Hættu að vinna X ára</div></div></a><a class=\"group/blog block overflow-hidden rounded-xl\" href=\"/blog/lifeyrisbestun-haettu-ad-vinna-sem-fyrst--n8mdz\"><div class=\"relative aspect-video overflow-hidden rounded-xl\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2026/04/4CjleLegaiSBb1FU.jpg\" alt=\"Lífeyrisbestun: Hættu að vinna sem fyrst!\" class=\"h-full w-full object-cover\"/></div><div class=\"pt-2.5 pr-5\"><div class=\"group-hover/blog:text-primary text-muted-foreground line-clamp-3 text-sm transition-colors md:text-base\">Lífeyrisbestun: Hættu að vinna sem fyrst!</div></div></a><a class=\"group/blog block overflow-hidden rounded-xl\" href=\"/blog/lifeyrisbestun-hvenaer-getur-thu-haett-ad-vinna-ny-vara--k31fc\"><div class=\"relative aspect-video overflow-hidden rounded-xl\"><img src=\"https://stjorna.lanareiknir.is/storage/blog/images/2026/04/uoXnxPXOca0Zsgd7.jpg\" alt=\"Lífeyrisbestun: Hvenær getur þú hætt að vinna? NÝ VARA\" class=\"h-full w-full object-cover\"/></div><div class=\"pt-2.5 pr-5\"><div class=\"group-hover/blog:text-primary text-muted-foreground line-clamp-3 text-sm transition-colors md:text-base\">Lífeyrisbestun: Hvenær getur þú hætt að vinna? NÝ VARA</div></div></a></div></div></div></div></div><div><div class=\"container m-auto px-5 py-12 md:px-10 md:py-24\"><div class=\"grid grid-cols-1 items-center gap-8 md:grid-cols-2\"><div><div class=\"text-primary pb-2 text-sm font-semibold uppercase\">Lánskjaravaktin</div><h2 class=\"max-w-2xl text-3xl font-semibold md:text-4xl 2xl:text-5xl\">Ert þú með besta húsnæðislánið fyrir þig?</h2><div class=\"max-w-lg space-y-2 pt-4 pb-4\"><p>Við látum þig vita þegar við finnum lán með</p><ul class=\"space-y-2 pb-4\"><li class=\"flex items-start gap-2\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-check text-primary mt-1.5 size-4 shrink-0\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"></path></svg><div>betri vöxtum</div></li><li class=\"flex items-start gap-2\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-check text-primary mt-1.5 size-4 shrink-0\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"></path></svg><div>lægri mánaðargreiðsla</div></li><li class=\"flex items-start gap-2\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-check text-primary mt-1.5 size-4 shrink-0\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"></path></svg><div>lægri heildargreiðsla</div></li></ul><a data-slot=\"button\" data-variant=\"default\" data-size=\"lg\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive bg-primary text-primary-foreground dark:text-foreground hover:bg-primary/90 rounded-md px-6 has-[&gt;svg]:px-4 h-12\" href=\"/lanskjaravaktin\">Skoða Lánskjaravaktina</a></div></div><div class=\"bg-secondary flex items-center justify-center rounded-xl p-6\"><div class=\"relative flex aspect-716/460 w-full items-center justify-center\"><div class=\"group/inView\"><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-300 absolute top-[8%] left-[6%] z-2 w-[75%] opacity-0\" src=\"/images/homepage/homepage-mortgage-1.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-500 absolute top-[31%] left-[13%] z-2 w-[85%] opacity-0\" src=\"/images/homepage/homepage-mortgage-2.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-700 absolute top-[53%] left-[17%] z-2 w-[85%] opacity-0\" src=\"/images/homepage/homepage-mortgage-3.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-1000 absolute top-[15%] right-[15%] z-2 w-[6%] opacity-0\" src=\"/images/homepage/homepage-mortgage-5.png\" alt=\"\"/></div></div></div></div></div><div class=\"container m-auto px-5 py-12 md:px-10 md:py-24\"><div class=\"grid grid-cols-1 items-center gap-8 md:grid-cols-2\"><div><div class=\"text-primary pb-2 text-sm font-semibold uppercase\">Dagleg fjármál</div><h2 class=\"max-w-2xl text-3xl font-semibold md:text-4xl 2xl:text-5xl\">Sjáðu hvert launin fara, <span>áður en mánuðurinn klárast</span></h2><div class=\"max-w-lg space-y-2 pt-4 pb-4\"><p class=\"pb-4\">Dagleg fjármál gefa þér skýra mynd af því hvað kemur inn, hvert peningarnir þínir fara og hvað þú átt raunverulega eftir. Engar flækjur. Bara einföld yfirsýn.</p><a data-slot=\"button\" data-variant=\"default\" data-size=\"lg\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive bg-primary text-primary-foreground dark:text-foreground hover:bg-primary/90 rounded-md px-6 has-[&gt;svg]:px-4 h-12\" href=\"/dagleg-fjarmal\">Dagleg fjármál</a></div></div><div class=\"bg-secondary flex items-center justify-center rounded-xl p-6\"><div class=\"relative flex aspect-716/460 w-full items-center justify-center\"><div class=\"group/inView\"><div class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[10%] left-[5%] z-10 w-[80%] overflow-hidden rounded-xl border bg-white opacity-0 shadow-2xl delay-1300\"><img class=\"h-full w-full object-contain\" src=\"/images/daily-finances/widget-1.png\" alt=\"Yfirlit fjármála\"/></div><div class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[50%] left-[15%] z-10 w-[80%] overflow-hidden rounded-xl border bg-white opacity-0 shadow-2xl delay-1000\"><img class=\"h-full w-full object-cover\" src=\"/images/daily-finances/widget-2.png\" alt=\"Yfirlit fjármála\"/></div></div></div></div></div></div><div class=\"container m-auto px-5 py-12 md:px-10 md:py-24\"><div class=\"grid grid-cols-1 items-center gap-8 md:grid-cols-2\"><div><div class=\"text-primary pb-2 text-sm font-semibold uppercase\">Lífeyrisbestun</div><h2 class=\"max-w-2xl text-3xl font-semibold md:text-4xl 2xl:text-5xl\">Hvenær vilt þú hætta að vinna?</h2><div class=\"max-w-lg space-y-2 pt-4 pb-4\"><p class=\"pb-4\">Lífeyrisbestun Aurbjargar er snjallt bestunartól sem hjálpar þér að taka betri ákvarðanir um seinni árin þín. Þú setur inn upplýsingar um tekjur, sparnað og lífeyri og við finnum bestu leiðina fyrir þig.</p><a data-slot=\"button\" data-variant=\"default\" data-size=\"lg\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive bg-primary text-primary-foreground dark:text-foreground hover:bg-primary/90 rounded-md px-6 has-[&gt;svg]:px-4 h-12\" href=\"/lifeyrismal/lifeyrisbestun\">Lífeyrisbestun</a></div></div><div class=\"bg-secondary flex items-center justify-center rounded-xl p-6\"><div class=\"relative flex aspect-716/530 w-full items-center justify-center\"><div class=\"group/inView\"><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-300 bg-ba absolute top-[2%] left-[2%] z-2 w-[96%] rounded-xl opacity-0\" src=\"/images/pension-optimizer/pension-optimizer-header.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-500 bg-ba absolute top-[18%] left-[4%] z-2 w-[92%] opacity-0\" src=\"/images/pension-optimizer/pension-optimizer-1.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up group-data-[visible=visible]/inView:animation-delay-700 bg-ba absolute top-[50%] left-[4%] z-2 w-[92%] opacity-0\" src=\"/images/pension-optimizer/pension-optimizer-2.png\" alt=\"\"/></div></div></div></div></div><div class=\"container m-auto px-5 py-12 md:px-10 md:py-24\"><div class=\"grid grid-cols-1 items-center gap-8 md:grid-cols-2\"><div><div class=\"text-primary pb-2 text-sm font-semibold uppercase\">Verðmat</div><h2 class=\"max-w-2xl text-3xl font-semibold md:text-4xl 2xl:text-5xl\">Hvað kostar fasteignin þín?</h2><div class=\"max-w-lg space-y-2 pt-4 pb-4\"><p>Verðmat Creditinfo segir þér hvað fasteignin þín kostar, þú færð</p><ul class=\"space-y-2 pb-4\"><li class=\"flex items-start gap-2\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-check text-primary mt-1.5 size-4 shrink-0\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"></path></svg><div>uppfært verðmat þinnar fasteignar í hverjum mánuði</div></li><li class=\"flex items-start gap-2\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide lucide-check text-primary mt-1.5 size-4 shrink-0\" aria-hidden=\"true\"><path d=\"M20 6 9 17l-5-5\"></path></svg><div>verðmat á 3 eignir í hverjum mánuði</div></li></ul><a data-slot=\"button\" data-variant=\"default\" data-size=\"lg\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive bg-primary text-primary-foreground dark:text-foreground hover:bg-primary/90 rounded-md px-6 has-[&gt;svg]:px-4 h-12\" href=\"/verdmat\">Skoða Verðmat</a></div></div><div class=\"bg-secondary flex items-center justify-center rounded-xl p-6\"><div class=\"relative flex aspect-716/460 w-full items-center justify-center\"><div class=\"group/inView\"><img class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[10%] left-[10%] z-[2] w-[41.5%] opacity-0 group-data-[visible=visible]/inView:delay-300\" src=\"/images/property-monitoring/property-monitoring-report-1.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-0 right-[5%] z-[2] w-[57%] opacity-0 group-data-[visible=visible]/inView:delay-500\" src=\"/images/property-monitoring/property-monitoring-report-2.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[54%] right-[5%] z-[2] w-[57%] opacity-0 group-data-[visible=visible]/inView:delay-700\" src=\"/images/property-monitoring/property-monitoring-report-3.png\" alt=\"\"/><img class=\"group-data-[visible=visible]/inView:animate-show-up absolute top-[5%] left-[7%] z-[2] w-[6%] opacity-0 group-data-[visible=visible]/inView:delay-1000\" src=\"/images/property-monitoring/property-monitoring-report-4.png\" alt=\"\"/><div class=\"to-background absolute bottom-0 left-0 z-10 h-[25%] w-full bg-gradient-to-b from-transparent\"></div></div></div></div></div></div></div><div class=\"border-b py-12 select-none\"><div class=\"container m-auto\"><div class=\"bg-secondary rounded-2xl p-4 md:p-6 md:py-8\"><div class=\"pb-8 text-2xl font-semibold md:text-4xl\">Viðskiptavinir okkar</div><div class=\"relative\" role=\"region\" aria-roledescription=\"carousel\" data-slot=\"carousel\"><div class=\"overflow-hidden\" data-slot=\"carousel-content\"><div class=\"flex -ml-4\"><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84 md:basis-md\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">Aurbjörg er frábært tól til að hámarka yfirsýnina yfir fjármál heimilisins. Ekki nóg með að lánskjaravaktin tryggi að þú sért alltaf með besta mögulega húsnæðislánið, heldur er líka mikill kostur að hafa greinagóðar upplýsingar um skuldbindingar þínar og sparnað, allt á einum stað. Svo er mjög auðvelt að gleyma sér í Samanburðarflipanum. Þar er hægt að bera saman verð á ýmis konar þjónustu. Ég veit t.d. alltaf hvar ódýrast er að versla eldsneyti og hvar það er hagstæðast fyrir mig að vera með símann í áskrift. Takk Aurbjörg!</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Þorsteinn Haukur</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">”Endurfjármögnunartæki Aurbjargar var bjargvættur. Við fundum betri vexti og kjör sem sparaðu okkur um 1.500.000 krónur á líftíma lánsins. Get ekki mælt nóg með því!”</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Sindri</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">“Það var einfalt að skipta um rafveitu hjá Aurbjörgu. Borið saman verð og kjör og skipt yfir í ódýrara áætlun. Sparar nú 15% mánaðarreikninga, sem nemur um 50.000 krónum á ári. Frábært!”</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Anna</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">”Aurbjörg hjálpaði mér mikið við fasteignakaup. Auðvelt aðgengi að skýru verðmati fasteigna og hvað aðrar fasteignir á því svæði voru að seljast á. Mjög flott lánareiknivél líka sem sýna hagkvæmustu lánin.”</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Jón</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">”Aurbjörg hefur hjálpað mér að finna hagstæðustu vexti hverju sinni og þróun húsnæðisverðs í mínu hverfi. Þar eru upplýsingar um allt á einu stað; kjör á lánum, ásamt hita- og rafmagns verðum. Opið 24/7 þegar mér hentar að skoða.”</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Hörður</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">“Notaði reiknivélar Aurbjargar áður en við seldum húsið okkar. Hjálpaði okkur að setja rétt verð, sem leiddi til skjótrar sölu og sparaði okkur um 5% í hugsanlegri lækkun. Það var mikil hjálp!“</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Sigga</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84 md:basis-md\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">Ég nýtti mér Lánskjaravaktina til að kanna möguleika á endurfjármögnun lánsins míns með það að markmiði að fá bæði lægri mánaðarlegar afborganir og lægri heildargreiðslu. Með því að sjá útreikninga frá öðrum lánveitendum við hliðina á mínu eigin láni varð samanburðurinn mjög einfaldur, og með nýja láninu náði ég að lækka mánaðarlegar afborganir verulega.</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Arna</div></div></div><div role=\"group\" aria-roledescription=\"slide\" data-slot=\"carousel-item\" class=\"min-w-0 shrink-0 grow-0 pl-4 relative basis-84\"><div class=\"bg-background rounded-xl p-6 px-6\"><div class=\"text-primary pb-1.5\">★★★★★</div><div class=\"text-foreground\">”Aurbjörg hefur hjálpað mér að átta mig á hversu mikið ég á í fasteigninni minni sem gefur mér möguleika á að áætla næstu fasteignakaup á raunsærri hátt.”</div><div class=\"text-muted-foreground pt-2 italic\">- <!-- -->Anna</div></div></div></div></div><div class=\"container m-auto pt-8\"><button data-slot=\"carousel-previous\" data-variant=\"outline\" data-size=\"icon\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium 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data-slot=\"carousel-next\" data-variant=\"outline\" data-size=\"icon\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border shadow-xs hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 size-8 rounded-full top-1/2 -right-12 -translate-y-1/2 bg-primary hover:bg-primary relative left-2 h-10 w-10 text-stone-50\" disabled=\"\"><svg xmlns=\"http://www.w3.org/2000/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"lucide 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href=\"/dagleg-fjarmal\">Dagleg fjármál</a></li><li><a href=\"/yfirlit-fjarmala\">Yfirlit fjármála</a></li><li><a href=\"/rafmagn\">Rafmagn</a></li><li><a href=\"/bifreidaskodun\">Bifreiðaskoðun</a></li><li><a href=\"/bensin\">Bensín og dísel</a></li><li><a href=\"/kort\">Kreditkort</a></li><li><a href=\"/bankareikningar\">Bankareikningar</a></li><li><a href=\"/fjarskipti/pakkar\">Fjarskipti</a></li></ul></div><div class=\"flex-[0_1_25%]\"><div class=\"pb-4 text-xl font-semibold\">Eignavakt</div><ul class=\"space-y-1\"><li><a href=\"/eignavakt\">Eignavakt</a></li><li><a href=\"/verdmat\">Verðmat</a></li><li><a href=\"/auglysingasaga\">Auglýsingasaga</a></li><li><a href=\"/hms\">Hlutdeildaláns eignir</a></li><li><a href=\"/eignavakt/voktun\">Vöktun</a></li><li><a href=\"/greidslumat\">Greiðslumat</a></li></ul></div><div class=\"flex-[0_1_25%]\"><div class=\"pb-4 text-xl font-semibold\">Lífeyrismál</div><ul class=\"space-y-1\"><li><a href=\"/lifeyrismal\">Lífeyriskerfið á Íslandi</a></li><li><a href=\"/lifeyrismal/lifeyrisbestun\">Lífeyrisbestun</a></li><li><a href=\"/lifeyrismal/samtrygging\">Samtrygging</a></li><li><a href=\"/lifeyrismal/sereign\">Séreign</a></li><li><a href=\"/lifeyrismal/lifeyrisreiknivel\">Lífeyrisreiknivél</a></li><li><a href=\"/lifeyrismal/lifeyrisrettindi\">Lífeyrisréttindi</a></li></ul></div></div></div><div class=\"relative overflow-hidden\"><div class=\"absolute top-0 left-0 h-full w-full\"><div class=\"relative h-full w-full overflow-hidden\"></div></div><div class=\"dark:to-background absolute z-1 h-full w-full bg-linear-to-b from-transparent via-transparent to-blue-950\"></div><div class=\"relative z-2\"><div class=\"container m-auto px-5 py-24 md:px-0\"><div class=\"m-auto max-w-3xl text-center text-4xl font-black text-white md:text-6xl\">Aurbjörg finnur tækifæri í fjármálum heimilisins</div><div class=\"m-auto max-w-2xl pt-5 pb-8 text-center text-lg text-white md:text-2xl\">Láttu Aurbjörgu standa vaktina og hjálpa þér að taka betri ákvarðanir í fjármálum.</div><div class=\"flex items-center justify-center gap-2\"><a data-cta=\"landing_footer_plus\" data-slot=\"button\" data-variant=\"default\" data-size=\"lg\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive bg-primary text-primary-foreground dark:text-foreground hover:bg-primary/90 rounded-md px-6 has-[&gt;svg]:px-4 h-12\" href=\"https://min.aurbjorg.is/onboarding?utm_source=aurbjorg&amp;utm_placement=footer\">Komdu í áskrift</a><a data-slot=\"button\" data-variant=\"outline\" data-size=\"lg\" class=\"inline-flex items-center justify-center gap-2 whitespace-nowrap text-sm font-medium transition-all disabled:pointer-events-none disabled:opacity-50 [&amp;_svg]:pointer-events-none [&amp;_svg:not([class*=&#x27;size-&#x27;])]:size-4 shrink-0 [&amp;_svg]:shrink-0 outline-none focus-visible:border-ring focus-visible:ring-ring/50 focus-visible:ring-[3px] aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive border shadow-xs hover:bg-accent hover:text-accent-foreground dark:bg-input/30 dark:border-input dark:hover:bg-input/50 rounded-md px-6 has-[&gt;svg]:px-4 h-12 bg-transparent text-white\" href=\"/askrift\">Lesa meira</a></div></div></div></div><div class=\"dark:bg-background bg-blue-950\"><div class=\"container m-auto px-5 pt-24 pb-12 md:px-0\"><div class=\"grid grid-cols-1 md:grid-cols-[2fr_1.5fr]\"><div><div class=\"max-w-md\"><a class=\"relative block h-8 w-36\" href=\"/\"><img class=\"object-contain\" src=\"/images/logo-white.svg\" alt=\"Aurbjörg\"/></a><div class=\"pt-7 text-white/80\">Markmið Aurbjargar er að auka fjármálalæsi, auka gagnsæi og aðstoða þig við að taka upplýstari og betri ákvarðanir í fjármálum.</div><div class=\"flex items-center gap-4 pt-12\"><img class=\"h-8\" src=\"/images/rannis.png\" alt=\"Rannis\"/><img class=\"h-6\" src=\"/images/taekniþrounarsjod.png\" alt=\"Taekniþrounarsjod\"/></div></div></div><div class=\"grid w-full grid-cols-1 gap-6 pt-2 text-sm font-medium md:grid-cols-3\"><div class=\"flex flex-col gap-3\"><a class=\"text-white hover:text-blue-400\" href=\"/um-okkur\">Um Aurbjörgu</a><a class=\"text-white hover:text-blue-400\" href=\"https://aurbjorgstatic.blob.core.windows.net/public/terms/BasicSubscriptionTerms_1.0.pdf\">Skilmálar Aurbjargar</a><a class=\"text-white hover:text-blue-400\" href=\"/page/lagalegur-fyrirvari\">Lagalegur fyrirvari</a><a class=\"text-white hover:text-blue-400\" target=\"_blank\" href=\"https://support.aurbjorg.is/is/support/tickets/new\">Hafa samband</a></div><div class=\"flex flex-col gap-3\"><a class=\"text-white hover:text-blue-400\" href=\"/askrift/gjafakort\">Gjafabréf</a><a class=\"text-white hover:text-blue-400\" href=\"/askrift\">Verð</a><a class=\"text-white hover:text-blue-400\" href=\"/askrift/fyrirtaeki\">Fyrirtækjapakki</a></div><div class=\"flex flex-col gap-3\"><a class=\"text-white hover:text-blue-400\" href=\"/blog\">Bloggið</a><a class=\"text-white hover:text-blue-400\" href=\"/page/personuupplysingar\">Persónuverndarstefna</a><a class=\"ch2-open-settings-btn text-white hover:text-blue-400\" href=\"#\">Stillingar á vefkökum</a><a class=\"text-white hover:text-blue-400\" target=\"_blank\" href=\"https://support.aurbjorg.is/en/support/tickets/new\">Ertu með ábendingu?</a></div></div></div><div class=\"pt-10\"><div class=\"flex flex-col items-center gap-6 md:flex-row md:justify-between\"><div class=\"text-xs text-white\">© 2017-<!-- -->2026<!-- --> • Aurbjörg ehf. • 430518-1430 • Lágmúla 9 • 108 Reykjavík</div><div class=\"flex items-center gap-5 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Þau sýna hvernig réttindin gætu þróast ef iðgjöld haldast óbreytt þar til viðkomandi fer á lífeyri. \\u003cbr\\u003eEf einstaklingur missir starfsgetu vegna veikinda eða slyss getur hann átt rétt á örorkulífeyri úr lífeyrissjóði. Upphæðin sem hann fær fer annars vegar eftir þeim réttindum sem hann hefur þegar áunnið sér, og hins vegar, í mörgum tilfellum, eftir svokölluðum framreiknuðum réttindum.\\u003c/br\\u003e \\u003cbr\\u003eFramreiknuð réttindi eru þá viðbót sem bætist við áunnin réttindi og byggir á þeirri forsendu að viðkomandi hefði haldið áfram að greiða í sjóðinn fram að ellilífeyrisaldri, ef hann hefði ekki orðið fyrir örorku. Þannig miðast greiðslurnar ekki eingöngu við það sem hefur verið greitt inn, heldur einnig við það sem hefði safnast upp ef starfsferillinn hefði haldið áfram með eðlilegum hætti.\\u003c/br\\u003e \\u003cbr\\u003eÞegar þú skoðar réttindin þín á vef lífeyrissjóðsins eru aðeins áunnin réttindi sýnd, það er, það sem þú hefur þegar greitt þér inn. Framreiknuð réttindi, sem byggja á framtíðargreiðslum sem aldrei urðu, eru ekki hluti af þeirri tölu.\\u003c/br\\u003e73:T6eb,\"])</script><script>self.__next_f.push([1,\"Einungis er hægt að fá lífeyrisiðgjöld endurgreidd við brottflutning til eða frá Íslandi ef ekki er til staðar milliríkjasamningur. Ísland er með slíka samninga við yfir 30 ríki. Þeir sem eru með ríkisborgararétt í einu af þessum samningsríkjum geta því ekki fengið iðgjöld endurgreidd við flutning. \\u003cbr\\u003eÍbúar á Íslandi sem eiga möguleg lífeyrisréttindi í eitthvað af milliríkjalöndunum sækja um þau í gegnum Tryggingastofnun Íslands. Hún sendir umsóknir áfram til viðeigandi stofnunar erlendis og sér um samskipti við þá stofnun.\\u003c/br\\u003e\\u003cbr\\u003eEf þú flytur frá Íslandi til annars lands heldurðu öllum þeim lífeyrisréttindum sem þú hefur áunnið þér hér. Þú munt því eiga rétt á lífeyrisgreiðslum frá íslenskum lífeyrissjóðum þegar þú nærð lífeyrisaldri, óháð því hvar þú býrð. Hins vegar getur réttur til svokallaðs framreiknings á örorku- og barnalífeyri fallið niður eitt ár eftir að flutningur á sér stað. Ef iðgjaldagreiðslur hefjast að nýju, getur tekið allt að sex mánuði að virkja þessi réttindi aftur. Sama á við ef þú hættir tímabundið að greiða í lífeyrissjóð, t.d. vegna náms. Í slíkum tilvikum getur verið skynsamlegt að skoða viðbótatryggingar.\\u003c/br\\u003e\\u003cbr\\u003eEf þú vinnur í öðru landi fer það eftir lögum þar í landi hvort þú þarft að greiða í lífeyrissjóð þar. Mikilvægt er að kynna sér reglur dvalarlandsins vel. Ef þú starfar í öðru landi er hægt að greiða í íslenskan lífeyrissjóð en vegna skattareglna borgar það sig almennt ekki. Á Íslandi er iðgjald frádráttarbært frá skatti og tekjuskattur greiddur við útgreiðslu lífeyris. Því er ákveðin hætta á tvísköttun.\\u003c/br\\u003e\"])</script><script>self.__next_f.push([1,\"74:T5aa,\\u003cp\\u003eAð ofan eru rafræn skammtímalán / neytendalán borin saman, en hér má finna dæmi um önnur skammtímalán sem ekki eru rafræn og einnig yfirdráttarlán.\\u003c/p\\u003e\\u003cp\\u003eYfirdráttur\\u003c/p\\u003e\\u003cp\\u003eYfirdráttur getur verið ódýrari lánamöguleiki en mörg skammtímalánin hér að ofan. Engin lántöku- eða greiðslugjöld fylgja yfirdráttarlánum. Vextir þeirra geta verið mismunandi (oft á bilinu 8-12%) eftir í hvaða vildarflokki (t.d. námsvild eða gullvild) þú ert í hjá þínum banka. Vegna þess er erfitt að bera þau saman á einfaldan hátt hér á síðunni. Lánsheimild þín er kölluð yfirdráttarheimild sem þú getur stillt innan ákveðinna marka sem geta farið eftir í hvaða vildarflokki þú ert í. Oft er hægt að breyta lánstíma á miðju lánstímabili með því að dreifa yfirdrættinum yfir fleiri eða færri mánuði. Nánari upplýsingar fást á heimasíðum lánveitenda. Þeir sem bjóða upp á yfirdrátt eru:\\u003c/p\\u003e\\u003cul\\u003e\\u003cli\\u003eArion banki\\u003c/li\\u003e\\u003cli\\u003eÍslandsbanki\\u003c/li\\u003e\\u003cli\\u003eLandsbankinn\\u003c/li\\u003e\\u003cli\\u003eSparisjóðurinn\\u003c/li\\u003e\\u003c/ul\\u003e\\u003cp\\u003eSkuldabréfalán (ekki rafræn)\\u003c/p\\u003e\\u003cp\\u003eEinnig er hægt að sækja um skuldabréfalán sem ekki eru afgreidd rafrænt. Þægindin eru því ekki þau sömu og það þarf að mæta í útibú til að ganga frá láni. Hinsvegar geta þau lán verið hagstæðari en sum af dýrari lánunum í samanburðinum að ofan. Þeir sem bjóða upp á skuldabréfalán eru: Sparisjóðurinn\\u003c/p\\u003e75:T4a8,Viðbótarlífeyrissparnaður er ein tegund séreignar og er valfrjáls aðferð til að hækka lífeyrissgreiðslur og geta notið lífeyrisáranna betur. Viðbótarlífeyrissparnaðurinn bætist ofan á skyldusparnaðinn þinn. \\u003cbr\\u003eViðbótarlífeyrissparnaður virkar á þann hátt að þú greiðir, eftir þínu vali, annað hvort 2% eða 4% af launum þínum í viðbótarlífeyrissparnað og atvinnurekanda er þá skylt að greiða 2% á móti þinni greiðslu.\\u003c/br\\u003e\\u003cbr\\u003eÞessi upphæð fer ekki í réttindasöfnun í samtryggingu, heldur tekur sá vörsluaðili (banki eða lífeyrissjóður) þessa upphæð og ávaxtar hana fyrir þig eins og um sparnaðarreikning sé að ræða. Þú getur alltaf séð hve háa upphæð þú átt í viðbótarlífeyrissparnaði og þú getur valið hvernig hann greiðist út. Sparnaðinn er hægt að taka út við 60 ára aldur í einu lagi eða á lengri tíma og er að fullu til lögerfingja.\\u003c/br\\u003e\\u003cbr\\u003eViðbótarlífeyrisgreiðslur eru skattfrjálsar þar til kemur að útgreiðslu og tekið skal sérstaklega fram að þegar viðbótarlífeyrissparnaður er tekinn út, skerðir hann ekki greiðslur frá Tryggingastofnun Ríkisins.\\u003c/br\\u003e76:T76e,\"])</script><script>self.__next_f.push([1,\"Fyrstu kaupendur geta notað sinn viðbótarlífeyrissparnað til aðstoðar við kaup á fyrstu fasteign skattfrjálst. Hægt er að fá útborgaðan þann sparnað sem hefur safnast upp til útborgunar en einnig er hægt að láta mánaðarlegar greiðslur úr sparnaðarins renna beint inn á íbúðarlán. Þetta getur gert fasteignakaup auðveldari. \\u003cbr\\u003eÞegar þú nýtir viðbótarlífeyrissparnað til fyrstu íbúðarkaupa getur þú fengið útgreiddann uppsafnaðan sparnað frá þeim degi sem þú velur sem upphafsdag og fram að íbúðarkaupum. Þú mátt velja upphafsdag allt að 10 ár aftur í tímann og fyrir hvert ár á því tímabili má nýta að hámarki 500.000 kr. fyrir hvert ár af 10 ára tímabilinu.\\u003c/br\\u003e\\u003cbr\\u003eEftir að kaupsamningur er undirritaður getur þú byrjað að nota mánaðarlegu viðbótarlífeyrissparnaðargreiðslurnar til að greiða inn á húsnæðislán. Þessar mánaðarlegu greiðslur halda áfram þar til 10 ára tímabilinu lýkur. Þetta 10 ára tímabil miðast við þann dag sem þú valdir sem upphafsdag fyrir úttektina á uppsöfnuðum sparnaði til að byrja með, tímabilið nær því bæði yfir útgreiðslu uppsafnaðs sparnaðar (fyrir kaup) og mánaðarlegar greiðslur eftir kaup.\\u003c/br\\u003e\\u003cbr\\u003eÞegar um mánaðarlega greiðslur inn á lán er að ræða má að hámarki nýta 500.000kr. á ári en 750.000kr. fyrir hjón og einstaklinga sem uppfylla skilyrði til samsköttunar. Alltaf er hægt að breyta því á hvaða lán greiðslan á að berast, t.d. ef þú ert með fleiri en eitt lán, kaupir nýja íbúð eða endurfjármagnar lánið þitt.\\u003c/br\\u003e\\u003cbr\\u003eEf þú hefur sett hluta af skylduiðgjaldinu þínu í tilgreinda séreign (allt að 3,5% af heildariðgjaldi), getur sú inneign einnig nýst til fyrstu íbúðarkaupa, svo lengi sem þú hefur ekki þegar nýtt hámarkið með viðbótarlífeyrissparnaði.\\u003c/br\\u003e\"])</script><script>self.__next_f.push([1,\"38:[\\\"$\\\",\\\"$L6f\\\",null,{\\\"formats\\\":\\\"$undefined\\\",\\\"locale\\\":\\\"is\\\",\\\"messages\\\":{\\\"Header\\\":{\\\"language\\\":\\\"Tungumál\\\",\\\"theme\\\":\\\"Þema\\\",\\\"light\\\":\\\"Ljóst\\\",\\\"dark\\\":\\\"Dökkt\\\",\\\"system\\\":\\\"Tæki\\\",\\\"navigation\\\":{\\\"aboutUs\\\":\\\"Um Aurbjörgu\\\",\\\"products\\\":\\\"Vörur\\\",\\\"comparisons\\\":\\\"Samanburður\\\",\\\"login\\\":\\\"Innskráning\\\",\\\"myPages\\\":\\\"Mín Aurbjörg\\\",\\\"plans\\\":\\\"Verð\\\",\\\"propertyMarket\\\":\\\"Eignavakt\\\",\\\"propertyMarketListings\\\":\\\"Auglýsingasaga\\\",\\\"propertyWatch\\\":\\\"Vöktun\\\",\\\"propertyMarketSubtitle\\\":\\\"Fylgstu með fasteignamarkaðnum, sjáðu hvaða eignir eru innan þinnar greiðslugetu og gerðu tilboð í draumaeignina þína.\\\",\\\"incomeAndExpenses\\\":\\\"Tekjur \\u0026 gjöld\\\",\\\"incomeAndExpensesSubtitle\\\":\\\"Fáðu yfirsýn yfir stærstu útgjaldarliðina þína og áætlaðu fram í tímann. 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Fáðu yfirsýn um allt sem tengist lífeyrinum þínum á einum stað hjá Aurbjörgu. Hér fyrir neðan er lífeyriskerfið útskýrt á mannamáli.\\\",\\\"cta\\\":\\\"Lífeyrismál\\\"},\\\"testimonials\\\":{\\\"title\\\":\\\"Viðskiptavinir okkar\\\",\\\"subtitle\\\":\\\"“Markmið okkar hjá Aurbjörgu er að auka fjármálalæsi og hjálpa viðskiptavinum okkar að taka upplýstar ákvarðanir í sínum fjármálum.”\\\",\\\"aboutUs\\\":\\\"Um okkur\\\",\\\"headline\\\":\\\"Þetta segja áskrifendur Aurbjargar\\\",\\\"first\\\":{\\\"quote\\\":\\\"“Notaði reiknivélar Aurbjargar áður en við seldum húsið okkar. Hjálpaði okkur að setja rétt verð, sem leiddi til skjótrar sölu og sparaði okkur um 5% í hugsanlegri lækkun. Það var mikil hjálp!“\\\",\\\"name\\\":\\\"Sigga\\\"},\\\"second\\\":{\\\"quote\\\":\\\"“Það var einfalt að skipta um rafveitu hjá Aurbjörgu. Borið saman verð og kjör og skipt yfir í ódýrara áætlun. Sparar nú 15% mánaðarreikninga, sem nemur um 50.000 krónum á ári. Frábært!”\\\",\\\"name\\\":\\\"Anna\\\"},\\\"third\\\":{\\\"quote\\\":\\\"”Endurfjármögnunartæki Aurbjargar var bjargvættur. Við fundum betri vexti og kjör sem sparaðu okkur um 1.500.000 krónur á líftíma lánsins. Get ekki mælt nóg með því!”\\\",\\\"name\\\":\\\"Sindri\\\"},\\\"fourth\\\":{\\\"quote\\\":\\\"”Aurbjörg hjálpaði mér mikið við fasteignakaup. Auðvelt aðgengi að skýru verðmati fasteigna og hvað aðrar fasteignir á því svæði voru að seljast á. Mjög flott lánareiknivél líka sem sýna hagkvæmustu lánin.”\\\",\\\"name\\\":\\\"Jón\\\"},\\\"fifth\\\":{\\\"quote\\\":\\\"”Aurbjörg hefur hjálpað mér að átta mig á hversu mikið ég á í fasteigninni minni sem gefur mér möguleika á að áætla næstu fasteignakaup á raunsærri hátt.”\\\",\\\"name\\\":\\\"Anna\\\"},\\\"sixth\\\":{\\\"quote\\\":\\\"”Aurbjörg hefur hjálpað mér að finna hagstæðustu vexti hverju sinni og þróun húsnæðisverðs í mínu hverfi. Þar eru upplýsingar um allt á einu stað; kjör á lánum, ásamt hita- og rafmagns verðum. Opið 24/7 þegar mér hentar að skoða.”\\\",\\\"name\\\":\\\"Hörður\\\"},\\\"seventh\\\":{\\\"quote\\\":\\\"Aurbjörg er frábært tól til að hámarka yfirsýnina yfir fjármál heimilisins. Ekki nóg með að lánskjaravaktin tryggi að þú sért alltaf með besta mögulega húsnæðislánið, heldur er líka mikill kostur að hafa greinagóðar upplýsingar um skuldbindingar þínar og sparnað, allt á einum stað. Svo er mjög auðvelt að gleyma sér í Samanburðarflipanum. Þar er hægt að bera saman verð á ýmis konar þjónustu. Ég veit t.d. alltaf hvar ódýrast er að versla eldsneyti og hvar það er hagstæðast fyrir mig að vera með símann í áskrift. Takk Aurbjörg!\\\",\\\"name\\\":\\\"Þorsteinn Haukur\\\"},\\\"eighth\\\":{\\\"quote\\\":\\\"Ég nýtti mér Lánskjaravaktina til að kanna möguleika á endurfjármögnun lánsins míns með það að markmiði að fá bæði lægri mánaðarlegar afborganir og lægri heildargreiðslu. Með því að sjá útreikninga frá öðrum lánveitendum við hliðina á mínu eigin láni varð samanburðurinn mjög einfaldur, og með nýja láninu náði ég að lækka mánaðarlegar afborganir verulega.\\\",\\\"name\\\":\\\"Arna\\\"}},\\\"blog\\\":{\\\"title\\\":\\\"Fjármálafræðsla á mannamáli\\\",\\\"allPosts\\\":\\\"Öll blogg\\\",\\\"read\\\":\\\"Lesa\\\",\\\"seeAll\\\":\\\"Sjá allt\\\"},\\\"subscription\\\":{\\\"perMonth\\\":\\\"á mánuði\\\",\\\"selectPlan\\\":\\\"Veldu áskriftarleið\\\",\\\"subscribe\\\":\\\"Gerast áskrifandi\\\",\\\"free\\\":\\\"Frítt\\\",\\\"annual\\\":\\\"Ársáskrift\\\",\\\"monthly\\\":\\\"Mánaðaráskrift\\\",\\\"paidYearly\\\":\\\"Greitt árlega \\u003cyearlyPlan\\u003e\\u003c/yearlyPlan\\u003e á ári\\\",\\\"benefits\\\":{\\\"comparison\\\":\\\"Samanburður á vörum og þjónustu\\\",\\\"housingLoanCalculator\\\":\\\"Húsnæðislánareiknivél\\\",\\\"refinance\\\":\\\"endurfjármögnun\\\",\\\"estimations\\\":\\\"Verðmat fyrir þínar fasteignir\\\",\\\"estimationsLimit\\\":\\\"Þrjár verðmatsskýrslur á mánuði\\\",\\\"dashboard\\\":\\\"Stjórnborð fyrir þín fjármál\\\",\\\"insurance\\\":\\\"Samanburður á tryggingum\\\",\\\"housingLoanCalculatorNewLoan\\\":\\\"Húsnæðislánareiknivél fyrir ný lán\\\",\\\"carLoanCalculator\\\":\\\"Bílalánareiknivél\\\",\\\"shortTermLoansCalculator\\\":\\\"Skammtímalánareiknivél\\\",\\\"loanMonitoring\\\":\\\"Lánskjaravakt\\\",\\\"allFree\\\":\\\"Öll virkni Fríáskriftar\\\",\\\"propertiesMonitoring\\\":\\\"Eignavakt\\\",\\\"propertyMonitoringOffers\\\":\\\"Eignavakt - fasteignaleit og gera tilboð\\\",\\\"propertyMonitoringSavedSearches\\\":\\\"Eignavakt - vistaðar leitir\\\",\\\"propertyMonitoringWatch\\\":\\\"Eignavakt - vöktun á eignum \\\",\\\"paymentPower\\\":\\\"Greiðslumat\\\",\\\"pensionFundsComparison\\\":\\\"Samanburður á lífeyrissjóðum\\\",\\\"comparisons\\\":\\\"Samanburður á vörum og þjónustu\\\",\\\"newsletter\\\":\\\"Mánaðarlegt fréttabréf\\\",\\\"pensionCalculator\\\":\\\"Lífeyrisreiknivél\\\",\\\"pensionRights\\\":\\\"Lífeyrisréttindi\\\",\\\"propertyValuation1\\\":\\\"Verðmat - Þínar fasteignir\\\",\\\"propertyValuation2\\\":\\\"Verðmat - 3 uppflettingar á mánuði\\\"}}},\\\"PensionFunds\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Lífeyrismál - Aurbjörg\\\",\\\"description\\\":\\\"Lífeyrissparnaðurinn þinn er ein stærsta fjárhagslega ákvörðun lífs þíns. Fáðu yfirsýn um allt sem tengist lífeyrinum þínum á einum stað hjá Aurbjörgu. Hér fyrir neðan er lífeyriskerfið útskýrt á mannamáli.\\\"},\\\"nav\\\":{\\\"pensionFunds\\\":\\\"Lífeyrismál\\\",\\\"mutualFunds\\\":\\\"Samtrygging\\\",\\\"privateFunds\\\":\\\"Séreign\\\",\\\"pensionRights\\\":\\\"Lífeyrisréttindi\\\"},\\\"header\\\":{\\\"title\\\":\\\"\\u003cspan\\u003eErt þú með\\u003c/span\\u003e besta lífeyrissjóðinn \\u003cspan\\u003efyrir þig?\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Lífeyrissparnaðurinn þinn er ein stærsta fjárhagslega ákvörðun lífs þíns. Fáðu yfirsýn um allt sem tengist lífeyrinum þínum á einum stað hjá Aurbjörgu. Hér fyrir neðan er lífeyriskerfið útksýrt á mannamáli.\\\",\\\"mutualFunds\\\":\\\"Samtrygging\\\",\\\"privateFunds\\\":\\\"Séreign\\\"},\\\"system\\\":{\\\"title\\\":\\\"Lífeyriskerfið á Íslandi\\\",\\\"text\\\":\\\"Á Íslandi er öllum sem hafa starfað og átt lögheimili hér í a.m.k. þrjú ár á aldrinum 16–67 ára, tryggður réttur til einhvers konar eftirlauna þegar starfsævinni lýkur. Lífeyriskerfið byggist á þremur meginstoðum: lífeyrissjóðum með samtryggingu og/eða séreign, viðbótarlífeyrissparnaði og greiðslum frá Tryggingastofnun ríkisins.\\\",\\\"text2\\\":\\\"Allir sem eru í launuðu starfi greiða í lífeyrissjóð. Vinnuveitandinn dregur iðgjald af launum þínum og greiðir það í sjóðinn mánaðarlega. Heildariðgjald er 15,5% af launum, þar sem 4% eru greidd af þér og 11,5% af vinnuveitanda.\\\"},\\\"mutualFunds\\\":{\\\"title\\\":\\\"Samtrygging\\\",\\\"text1\\\":\\\"Samtrygging er lögbundinn og skyldubundinn hluti lífeyriskerfisins. Hún tekur yfirleitt stærstan hluta af 15,5% iðgjaldi sem greitt er í lífeyrissjóð. Í stað þess að mynda persónulega inneign, byggir þú upp réttindi sem tryggja þér ævilangan lífeyri við starfslok, ásamt vernd vegna örorku, veikinda eða fráfalls.\\\",\\\"text2\\\":\\\"Réttindi í samtryggingu byggja á sérstökum réttindatöflum sem hver lífeyrissjóður setur. Þar er tekið mið af aldri, greiðslutímabili og iðgjöldum, og réttindin reiknuð samkvæmt föstum reglum – ekki á grundvelli ávöxtunar. Við andlát geta maki og börn einnig átt rétt á greiðslum úr sjóðnum. Samtrygging er því ekki persónulegur sparnaður heldur félagslegt tryggingakerfi sem veitir grunnvernd á efri árum og við áföll.\\\"},\\\"privateFunds\\\":{\\\"title\\\":\\\"Séreign\\\",\\\"text\\\":\\\"Séreign er sá hluti lífeyrissparnaðar sem þú átt beint og getur ráðstafað að vild. Hann virkar eins og hefðbundinn sparnaður: inneignin ávaxtast og er erfanleg. Þú getur byrjað að taka út séreignina við 60 ára aldur – annað hvort í einu lagi eða yfir lengra tímabil. Til eru nokkrar gerðir af séreign.\\\",\\\"item1title\\\":\\\"Séreign sem hluti af skylduiðgjaldi\\\",\\\"item1text\\\":\\\"Í sumum lífeyrissjóðum, einkum blönduðum sjóðum, fer hluti af skyldubundnu 15,5% iðgjaldi í séreign í stað samtryggingar. Hlutfallið fer eftir reglum sjóðsins og getur verið allt að 11,8%.\\\\nInneignin safnast upp og er almennt hægt að taka hana út frá 60 ára aldri, annaðhvort í einu lagi eða í áföngum. Úttektarreglur fara þó eftir því hvort séreignin er bundin eða frjáls.\\\\nSéreign veitir aukið ráðstöfunarfrelsi, en dregur úr samtryggingariðgjaldi og þar með ævilöngum réttindum. Því er mikilvægt að skoða áhrifin á heildarlífeyri áður en valið er að beina hluta skylduiðgjalds í séreign.\\\",\\\"item2title\\\":\\\"Tilgreind séreign\\\",\\\"item2text\\\":\\\"Tilgreind séreign er valkostur innan lífeyrissjóða sem gerir þér kleift að setja allt að 3,5% af skyldubundnu 15,5% iðgjaldi í persónulega séreign í stað þess að láta það renna í samtryggingu.\\\\nÞessi inneign er safnað og erfist að fullu við fráfall. Þú mátt hefja úttekt frá 62 ára aldri, í eingreiðslu eða í áföngum til 67 ára.\\\",\\\"item2text2\\\":\\\"Einn kostur er að nýta tilgreinda séreign skattfrjálst við fyrstu fasteignakaup, að uppfylltum skilyrðum – til dæmis að þú hafir ekki átt íbúð síðustu fimm ár og kaupir minnst 30% eignarhlut.\\\\nÞessi lausn eykur sveigjanleika og eignamyndun, en þýðir líka að hluti iðgjaldsins fer úr samtryggingu, sem getur lækkað ævilangar greiðslur og tryggingavernd.\\\",\\\"item3title\\\":\\\"Viðbótarlífeyrissparnaður\\\",\\\"item3text\\\":\\\"Þetta er algjörlega valfrjáls viðbót við 15,5% skylduiðgjaldið. Þú getur greitt 2–4% af launum í viðbótarlífeyrissparnað og vinnuveitandi leggur þá 2% á móti. Þetta er því í raun aukin launagreiðsla sem rennur í sparnað sem þú átt alfarið sjálfur. Sparnaðurinn ávaxtast, erfist og er hægt að taka út frá 60 ára aldri. Viðbótarlífeyrissparnaðinn má einnig nýta skattfrjálst til fyrstu fasteignakaupa eða til að lækka húsnæðislán. Hámarksnýting er 500.000 kr. á ári fyrir einstakling og 750.000 kr. fyrir hjón eða sambúðarfólk – í allt að 10 ár samfellt.\\\",\\\"item4title\\\":\\\"Séreignartrygging\\\",\\\"item4text\\\":\\\"Séreignatrygging er sérstök tegund séreignarsparnaðar sem sameinar fjárfestingu og tryggingu. Hún er í boði hjá erlendum tryggingafélögum eins og Allianz og Bayern og býður oft tryggða lágmarksávöxtun eða ævilangar greiðslur, óháð markaðsaðstæðum. Þessi sparnaðarleið er yfirleitt í erlendri mynt og fer utan hefðbundinna íslenskra lífeyrissjóða.\\\",\\\"item4text2\\\":\\\"Séreignatrygging getur hentað þeim sem vilja meiri fyrirsjáanleika og vernd gegn sveiflum, en fylgir yfirleitt hærri kostnaður og langtímaskuldbinding. Hún er ekki eins sveigjanleg og hefðbundin séreign og ekki alltaf hægt að flytja hana eða breyta án kostnaðar. Vegna flókins kostnaðaruppbyggingar er mikilvægt að kynna sér skilmála vel áður en slíkur samningur er gerður.\\\"},\\\"government\\\":{\\\"title\\\":\\\"Tryggingastofnun ríkisins\\\",\\\"text\\\":\\\"Ef greiðslur úr lífeyrissjóði duga ekki til framfærslu þegar þú ert kominn á eftirlaun, kemur Tryggingastofnun ríkisins til sögunnar. Þú getur sótt um greiðslur frá 67 ára aldri, en réttindin byggjast á búsetu á Íslandi. Full réttindi fást eftir 40 ára búsetu – og hlutfallslega minni réttindi ef búsetutíminn er styttri. Auk grunnlífeyris geta komið til greiðslur eins og heimilisuppbót, bílauppbót og desemberuppbót.\\\"},\\\"mutualFundsTable\\\":{\\\"title\\\":\\\"Samanburður á Samtryggingu\\\",\\\"text\\\":\\\"Samtrygging er skyldusparnaðurinn þinn sem er 15,5% af launum þínum – og tryggir þér ævilangar greiðslur eftir starfslok og vernd við áföllum. Með samanburðartöflu Aurbjargar getur þú borið saman lykiltölur og upplýsingar allra lífeyrissjóða í landinu.\\\"},\\\"privateFundsTable\\\":{\\\"title\\\":\\\"Samanburður á Séreign\\\",\\\"text\\\":\\\"Séreign er þinn persónulegi sparnaður – og þú ræður hvernig honum er varið. Undir séreign falla bæði viðbótarlífeyrissparnaður og tilgreind séreign, sem eru sparnaðarleiðir sem safnast upp á þínu nafni og eru að fullu erfanlegar. Með samanburðartöflu Aurbjargar færð þú skýra yfirsýn yfir ávöxtun, gjöld og áhættu hjá helstu sjóðum. Berðu saman mismunandi leiðir og finndu sparnaðarform sem hentar þér.\\\"}},\\\"MutualFundsComparison\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Samanburður á samtryggingum - Aurbjörg\\\",\\\"description\\\":\\\"Samtrygging er að jafnaði stærsti hluti skyldusparnaðar og er yfirleitt 15,5% af laununum þínum og tryggir þér ævilangar greiðslur eftir starfslok og vernd við áföllum. Með samanburðartöflu Aurbjargar getur þú borið saman lykiltölur og upplýsingar allra lífeyrissjóða í landinu.\\\"},\\\"title\\\":\\\"Samtrygging\\\",\\\"description\\\":\\\"Samtrygging er að jafnaði stærsti hluti skyldusparnaðar og er yfirleitt 15,5% af laununum þínum og tryggir þér ævilangar greiðslur eftir starfslok og vernd við áföllum. Með samanburðartöflu Aurbjargar getur þú borið saman lykiltölur og upplýsingar allra lífeyrissjóða í landinu.\\\",\\\"fund\\\":\\\"Sjóður\\\",\\\"compareMutualFunds\\\":\\\"Bera saman samtryggingardeildir\\\",\\\"generalInformation\\\":\\\"Almennt\\\",\\\"division\\\":\\\"Deild\\\",\\\"structure\\\":\\\"Tegund\\\",\\\"structureTooltip\\\":\\\"Segir til um hvort sjóðurinn ráðstafi skylduiðgjaldi einungis í réttindaávinnslu í samtryggingu eða einnig í séreign\\\",\\\"membership\\\":\\\"Aðild\\\",\\\"membershipTooltip\\\":\\\"Hverjir geta greitt í sjóðinn\\\",\\\"actuarialPosition\\\":\\\"Tryggingafræðileg staða\\\",\\\"actuarialPositionTooltip\\\":\\\"Tryggingafræðileg staða lífeyrissjóðs sýnir hvort sjóðurinn geti staðið við núverandi og framtíðarskuldbindingar sínar. Hún mælir hlutfall eigna sjóðsins (núverandi eignir og áætluð framtíðar iðgjöld) miðað við skuldbindingar (áfallnar- og framtíðarskuldbindingar til sjóðsfélaga).\\\",\\\"privateFunds\\\":\\\"Séreign\\\",\\\"percentageThatCanBeAllocated\\\":\\\"Hlutfall samtryggingar sem má ráðstafa í séreign\\\",\\\"amount\\\":\\\"Hlutfall launa í séreign\\\",\\\"amountTooltip\\\":\\\"Segir til um hve stórt hlutfall launa fer í séreign en heildar skylduiðgjald er 15,5%\\\",\\\"privatePension\\\":\\\"Hlutfall í séreign\\\",\\\"specifiedPersonalSavings\\\":\\\"Val vörsluaðila tilgreindrar séreignar\\\",\\\"pensionersAndContributors\\\":\\\"Virkir meðlimir og lífeyrisþegar\\\",\\\"contributors\\\":\\\"Virkir meðlimir\\\",\\\"pensionBurden\\\":\\\"Pension burden\\\",\\\"pensioners\\\":\\\"Pensioners\\\",\\\"pensionersTooltip\\\":\\\"Lífeyrisbyrði sýnir hlutfall lífeyrisgreiðslna af iðgjöldum. Ef að lífeyrisbyrðin er hærri en 100% þá er meira að fara úr sjóðnum í lífeyrisgreiðslur heldur en er að koma inn í iðgjöldum\\\",\\\"riskProfileAndInvestmentStrategy\\\":\\\"Samsetning eignasafns\\\",\\\"bondsListed\\\":\\\"Skráð skuldabréf\\\",\\\"bondsUnlisted\\\":\\\"Óskráð skuldabréf\\\",\\\"stocksAndFundsListed\\\":\\\"Skráð hlutabréf og sjóðir\\\",\\\"stocksAndFundsUnlisted\\\":\\\"Óskráð hlutabréf og sjóðir\\\",\\\"contributorsPlusPensioners\\\":\\\"Virkir sjóðfélagar\\\",\\\"contributorsPlusPensionersTooltip\\\":\\\"Meðaltal fjölda sjóðfélaga sem greiddi iðgjald á reikningsárinu.\\\",\\\"returns\\\":\\\"Raunávöxtun\\\",\\\"returnsTooltip\\\":\\\"Ávöxtun eignasafns sjóðsins umfram verðbólgu.\\\",\\\"returns1year\\\":\\\"1 ár\\\",\\\"returns5years\\\":\\\"5 ár\\\",\\\"returns10years\\\":\\\"10 ár\\\",\\\"returns10yearsLong\\\":\\\"Raunávöxtun 10 ára\\\",\\\"returns10yearsLongTooltip\\\":\\\"Ávöxtun eignasafns sjóðsins umfram verðbólgu.\\\",\\\"returnsTo\\\":\\\"til\\\",\\\"returnsAndLess\\\":\\\"eða minna\\\",\\\"returnsAndMore\\\":\\\"eða meira\\\",\\\"viewClosed\\\":\\\"Sjá lokaða\\\",\\\"compare\\\":\\\"Bera saman\\\",\\\"fundDetails\\\":\\\"Yfirlit sjóðs\\\",\\\"choiceOfPrivateFund\\\":\\\"Tilgreind séreign\\\",\\\"choiceOfPrivateFundTooltip\\\":\\\"Segir til um hvort sjóðsfélagi hafi rétt á að taka hluta af skylduiðgjaldi og ráðstafað í séreign til vörsluaðila að eigin vali. Tilgreind séreign er 3,5% af launum og er dregin af hluta laungreiðanda í 15,5% skylduiðgjaldi.\\\",\\\"yes\\\":\\\"Já\\\",\\\"no\\\":\\\"Nei\\\",\\\"assetsInForeignCurrencies\\\":\\\"Eignir í erlendum gjaldmiðlum\\\",\\\"inForeignCurrencies\\\":\\\"Eignir í erl. gjaldmiðlum\\\",\\\"inDomesticCurrency\\\":\\\"Eignir í ísl. krónum\\\",\\\"total\\\":\\\"Samtals\\\",\\\"pensionFundBalance\\\":\\\"Efnahagur og fjársteymi\\\",\\\"totalNetAssetsForPension\\\":\\\"Hrein eign til greiðslu lífeyris\\\",\\\"netContributionsInLastYear\\\":\\\"Hrein iðgjöld\\\",\\\"pensionLiability\\\":\\\"Lífeyrisbyrði\\\",\\\"pensionFundBalanceDisclaimer\\\":\\\"Þetta yfirlit sýnir hvernig fjárhagur lífeyrissjóðsins stendur gagnvart framtíðarskuldbindingum. Það gefur innsýn í hve mikið af hreinni eign er tiltækt til að standa undir lífeyrisgreiðslum, hversu mikið kemur inn í sjóðinn í hreinum iðgjöldum, og hlutfall lífeyris og iðgjalda í formi lífeyrisbyrði.\\\",\\\"pensionPayoutStructure\\\":\\\"Skipting lífeyrisgreiðslna\\\",\\\"pension\\\":\\\"Ellilífeyrir\\\",\\\"disabilityPension\\\":\\\"Örorkulífeyrir\\\",\\\"spousePension\\\":\\\"Makalífeyrir\\\",\\\"childrenPension\\\":\\\"Barnalífeyrir\\\",\\\"pensionPayoutStructureDisclaimer\\\":\\\"Lífeyrisgreiðslur eftir mismunandi hópum. Hærra hlutfall örorku- eða makalífeyrisgreiðslna getur bent til meiri langtímaskuldbindinga, sem getur haft áhrif á fjárhagslegt jafnvægi og sjálfbærni sjóðsins.\\\",\\\"options\\\":{\\\"membership\\\":{\\\"closed\\\":\\\"Lokaður\\\",\\\"limited\\\":\\\"Sumir\\\",\\\"anyone\\\":\\\"Allir\\\"},\\\"structure\\\":{\\\"hybrid\\\":\\\"Blandaður\\\",\\\"mutualFund\\\":\\\"Samtrygging\\\",\\\"bothChoice\\\":\\\"Bæði, val\\\"},\\\"actuarialPosition\\\":{\\\"critical\\\":\\\"Mjög veik\\\",\\\"weak\\\":\\\"Veik\\\",\\\"moderate\\\":\\\"Hófleg\\\",\\\"strong\\\":\\\"Sterk\\\",\\\"veryStrong\\\":\\\"Mjög sterk\\\"}},\\\"homepage\\\":\\\"Heimasíða\\\",\\\"apply\\\":\\\"Sækja um\\\",\\\"faq\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"first\\\":{\\\"question\\\":\\\"Hvernig virkar skipting lífeyrisréttinda milli maka?\\\",\\\"answer\\\":\\\"Hjón og sambúðarfólk geta gert með sér samkomulag um að skipta ellilífeyrisréttindum sínum jafnt en heimilt er að skipta allt að helmingi ellilífeyrisréttinda. Skipting lífeyrisréttinda milli hjóna/sambúðarfólks nær þó aðeins til þeirra réttinda sem hafa áunnist/munu ávinnast á meðan hjúskap eða sambúð varir. \\u003cbr\\u003eSamkomulag um skiptingu ellilífeyrisréttinda þarf að gera fyrir 65 ára aldur og áður en lífeyristaka hefst. Skiptingin er óafturkræf og tekur ekki til örorku-, maka- eða barnalífeyris.\\u003c/br\\u003e\\\"},\\\"second\\\":{\\\"question\\\":\\\"Hvernig koma Almannatryggingar (Tryggingastofnun ríkisins) inn í lífeyrismálin?\\\",\\\"answer\\\":\\\"Almannatryggingar tryggja lágmarksframfærslu á eftirlaunaárunum ef lífeyrir úr lífeyrissjóðum dugir ekki. Tryggingastofnun sér um að greiða út þessar bætur. \\u003cbr\\u003eÞetta á við um alla sem hafa náð 67 ára aldri og hafa búið á Íslandi í að minnsta kosti 3 ár á aldrinum 16–67 ára. Full réttindi byggjast þó á 40 ára búsetu – ef búsetutíminn er styttri, lækka réttindin í hlutfalli við það. Ef þú byrjar að taka lífeyri áður en þú verður 67 ára, skerðast greiðslurnar.\\u003c/br\\u003e \\u003cbr\\u003eTryggingastofnun býður upp á ýmsar greiðslur og uppbætur. Auk hefðbundins ellilífeyris geta lífeyrisþegar átt rétt á heimilisuppbót ef þeir búa einir, viðbótarstuðningi fyrir þá sem hafa takmörkuð réttindi, bílauppbót ef rekstur bifreiðar er nauðsynlegur, auk orlofs- og desemberuppbótar.\\u003c/br\\u003e\\\"},\\\"third\\\":{\\\"question\\\":\\\"Er skattur af lífeyrissgreiðslum?\\\",\\\"answer\\\":\\\"Lífeyrisgreiðslur eru skattskyldar eins og aðrar tekjur en lífeyrisþegar geta nýtt sér persónuafslátt til að lækka skattinn. Lífeyrisiðgjöldin fara óskattlögð inn í lífeyrissjóð svo lífeyrisþegar eiga eftir að greiða skatt þegar þau koma út. Lífeyrisgreiðslur hjá lífeyrissjóðum er þó undanþegnar fjármagnstekjuskatti af vaxtatekjum svo ekki þarf að greiða neinn fjármagnstekjuskatt af neinum vaxtatekjum sem lífeyrisgreiðslurnar þínar mynda. \\u003cbr\\u003eSömu reglur gilda um útgreiðslur úr viðbótalífeyrissparnaði og eru hann skattlagður eins og hverjar aðrar atvinnutekjur.\\u003c/br\\u003e\\\"},\\\"fourth\\\":{\\\"question\\\":\\\"Hvort á maður að velja samtryggingu eða blandaða leið?\\\",\\\"answer\\\":\\\"$70\\\"},\\\"fifth\\\":{\\\"question\\\":\\\"Að hverju þarf að huga við val á lífeyrissjóð?\\\",\\\"answer\\\":\\\"Ef þú hefur val um lífeyrissjóð er gott  að skoða nokkur atriði áður en þú tekur ákvörðun. Byrjaðu á því að ákveða hvort þú viljir greiða í í samtryggingarsjóð eða blandaðan sjóð en sá síðaarnefndi býður upp á val um að setja hluta skylduiðgjalda í séreign. Ef þú hefur ekki val um lífeyrissjóð vegna atvinnu og greiðir þar af leiðandi í samtryggingarsjóð getur þú í sumum tilvikum nýtt tilgreinda séreign, til að auka sveigjanleika í framtíðinni. \\u003cbr\\u003eEinnig er gott að skoða hvernig sjóðurinn hefur staðið sig í ávöxtun, hvernig eignum sjóðsins er háttað og skipt. Áhugavert að skoða hversu margir virkir sjóðsfélagar eru í sjóðnum og hversu margir eru að fá greitt úr sjóðnum og sjá hvernig þær greiðslur skiptast upp í ellilífeyri, örorkubætur, barnalífeyri og makalífeyri. Að lokum má líta á heildarstöðu/tryggingafræðilega stöðu lífeyrissjóðsins og fá mynd af því hvort sjóðurinn sé í stakk búinn til að standa við skuldbindingar framtíðarinnar.\\u003c/br\\u003e\\\"},\\\"sixth\\\":{\\\"question\\\":\\\"Hvað þýða áunnin lífeyrisréttindi?\\\",\\\"answer\\\":\\\"$71\\\"},\\\"seventh\\\":{\\\"question\\\":\\\"Hvað eru framreiknuð réttindi?\\\",\\\"answer\\\":\\\"$72\\\"},\\\"eighth\\\":{\\\"question\\\":\\\"Get ég fengið húsnæðislán hjá mínum lífeyrissjóði?\\\",\\\"answer\\\":\\\"Lífeyrissjóðir bjóða einstaklingum upp á húsnæðislán sem geta verið hagkvæmur valkostur við fasteignakaup eða endurfjármögnun. Skilyrðin fyrir því að fá slíkt lán eru mismunandi milli sjóða, en hægt er að skoða þau í samanburði á húsnæðislánum á vef Aurbjargar. \\u003cbr\\u003eSömu reglur gilda um lán lífeyrissjóða og banka – einstaklingar þurfa að standast greiðslumat og lánin falla undir reglur Seðlabanka Íslands um hámarks afborganabyrði.\\u003c/br\\u003e \\u003cbr\\u003eSkoðaðu vaxtakjör lífeyrissjóða og berðu saman lánin á samanburðarsíðu Aurbjargar.\\u003c/br\\u003e\\\"},\\\"ninth\\\":{\\\"question\\\":\\\"Hvað ef ég er sjálfstætt starfandi?\\\",\\\"answer\\\":\\\"Ef þú ert sjálfstætt starfandi eða verktaki, berð þú sjálfur ábyrgð á því að greiða lífeyrisiðgjöld, að lágmarki 15,5% af reiknuðu endurgjaldi, til lífeyrissjóðs. Sjálfstætt starfandi og verktakar geta einnig greitt umfram þessa lágmarksskyldu ef þeir kjósa. Iðgjöldin þurfa að greiðast mánaðarlega.\\\"},\\\"tenth\\\":{\\\"question\\\":\\\"Hvað gerist við lífeyrisréttindi mín ef ég flyt á milli landa?\\\",\\\"answer\\\":\\\"$73\\\"},\\\"eleventh\\\":{\\\"question\\\":\\\"Hvað þýðir hálfur lífeyrir?\\\",\\\"answer\\\":\\\"Ef þú vilt minnka við þig vinnu en ekki hætta alveg á vinnumarkaði, er hægt að sækja um hálfan lífeyri frá 65 ára aldri, að uppfylltum ákveðnum skilyrðum. Viðkomandi þarf að uppfylla almenn skilyrði fyrir ellilífeyri á Íslandi, hafa staðfestingu frá lífeyrissjóði um úttekt á hálfum lífeyri og staðfestingu frá vinnuveitanda um að starfshlutfall sé að hámarki 50%. Litið er til meðaltals starfshlutfalls yfir almanaksárið, þannig að í lagi er að vinna meira en 50% suma mánuði og minna aðra.\\\"},\\\"twelfth\\\":{\\\"question\\\":\\\"Hvað gerist ef ég hef greitt í fleiri en einn lífeyrissjóð?\\\",\\\"answer\\\":\\\"Í gildi er sérstakt samkomulag milli lífeyrissjóða á Íslandi sem tryggir að sjóðfélagar sem hafa greitt iðgjöld til fleiri en eins lífeyrissjóðs glati ekki réttindum sínum. Þeir njóta réttar eins og iðgjöldin hefðu verið greidd í einn sjóð. Samkomulagið tryggir einnig samræmda meðhöndlun umsókna við til dæmis örorku, fráfall og barnalífeyri og einfaldar einnig samskipti milli sjóðanna. \\u003cbr\\u003eSamkomulagið er aðgengilegt hér: https://www.lifeyrismal.is/is/frettir/nytt-samkomulag-lifeyrissjoda\\u003c/br\\u003e\\\"},\\\"thirteenth\\\":{\\\"question\\\":\\\"Þarf ég að greiða í lífeyrissjóð í Íslandi?\\\",\\\"answer\\\":\\\"Allir sem vinna og fá greidd laun á Íslandi eru lögum samkvæmt skyldugir til að greiða í lífeyrissjóð frá 16 ára aldri til 70 ára aldurs. Heildar-skylduiðgjald er 15,5% á mánuði. Launþegir greiðir 4% af launum sínum og vinnuveitandi bætir við 11,5%. Atvinnurekandi sér um að halda eftir hluta launþegans og skila heildariðgjaldinu til lífeyrissjóðsins.\\\"},\\\"fourteenth\\\":{\\\"question\\\":\\\"Hvað þýðir tryggingafræðileg staða?\\\",\\\"answer\\\":\\\"Tryggingafræðileg staða lífeyrissjóðs sýnir hvort sjóðurinn geti staðið við framtíðarskuldbindingar sínar. Hún mælir hlutfall eigna sjóðsins (núverandi eignir og áætluð framtíðar iðgjöld) miðað við skuldbindingar (greidd réttindi og framtíðargreiðslur til sjóðsfélaga).\\\"}},\\\"messageFromFund\\\":\\\"Skilaboð frá sjóði\\\",\\\"tabs\\\":{\\\"general\\\":\\\"Almennt\\\",\\\"description\\\":\\\"Réttindi\\\"},\\\"dataDisclaimer\\\":\\\"Gögn eru uppfærð árlega. Nýjustu gögn eru frá ársskýrslum 2025 fyrir árið 2024.\\\",\\\"compareText\\\":\\\"Til að bera saman lífeyrissjóði þarftu að vera í áskrift hjá Aurbjörgu\\\"},\\\"Refinance\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Endurfjármögnun húsnæðislána\\\",\\\"description\\\":\\\"Möguleikar á endurfjármögnun eru margir. Aurbjörg auðveldar þér endurfjármögnun með því að birta þér lánakjör helstu lánastofnanna á Íslandi; banka, sparisjóða og lífeyrissjóða.\\\"},\\\"productName\\\":\\\"Endurfjármögnun\\\",\\\"title\\\":\\\"Þú getur \\u003cspan\\u003esparað helling\\u003c/span\\u003e á því að \\u003cspan\\u003eendurfjármagna\\u003c/span\\u003e\\\",\\\"description\\\":\\\"Með endurfjármögnun er átt við að fjármagna eldra lán aftur. Þá er tekið nýtt lán og það gamla er greitt upp með því nýja.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\",\\\"whyRefinance\\\":\\\"Afhverju ættir þú að endurfjármagna?\\\",\\\"whyRefinanceList\\\":\\\"\\u003cul\\u003e\\u003cli\\u003eLánakjör breytast.\\u003c/li\\u003e\\u003cli\\u003eVextir og afborganir á núverandi láni geta hækkað.\\u003c/li\\u003e\\u003cli\\u003eNý lán geta verið hagstæðari og betri en núverandi lán á vissum tímapunkti.\\u003c/li\\u003e\\u003cli\\u003eKannski vantar þig viðbótarfjármagn í framkvæmdir eða fasteignakaup og þá er meðal annars hægt að bregðast við með því að endurfjármagna lán.\\u003c/li\\u003e\\u003c/ul\\u003e\\\",\\\"refinance\\\":\\\"Endurfjármögnun húsnæðislána\\\",\\\"refinanceText\\\":\\\"Það er mun algengara í dag að endurfjármagna húsnæðislán en áður, því lánamarkaðurinn breytist hratt. Bara frá árinu 2000 hafa Íslendingar gengið gegnum þrjár efnahagslægðir. Allt hafði þetta mikil áhrif á íbúðaverð og lánamarkað. Og þá er gott að hafa þekkingu til að geta brugðist við.\\\",\\\"refinanceText1\\\":\\\"\\u003cp\\u003eTil að átta þig á möguleikum þínum varðandi endurfjármögnun, þá þarftu að hafa þetta í huga:\\u003c/p\\u003e\\u003cp\\u003e1. Hvar ertu með „lánsrétt“?\\u003c/p\\u003e\\u003cp\\u003e2. Hvaða lánamöguleikar eru í boði?\\u003c/p\\u003e\\u003cp\\u003e3. Hvaða lánstími er í boði?\\u003c/p\\u003e\\u003cp\\u003eHér er stutt myndband sem sýnir betur hvað þarf að hafa í huga við endurfjármögnun.\\u003c/p\\u003e\\\",\\\"process\\\":\\\"Ferlið er mjög einfalt\\\",\\\"process1\\\":\\\"\\u003cstrong\\u003eFarðu í Húsnæðislánareiknivél Aurbjargar.\\u003c/strong\\u003e\\\",\\\"process2\\\":\\\"\\u003cstrong\\u003eVeldu Endurfjármögnun\\u003c/strong\\u003e og veldu þau lán sem þú vilt endurfjármagna.\\\",\\\"process3\\\":\\\"\\u003cstrong\\u003eSkoðaðu ódýrustu lán í hverjum flokki,\\u003c/strong\\u003e annarsvegar lægstu mánaðarlega greiðslu og hinsvegar lægstu heildargreiðslu.\\\",\\\"process4\\\":\\\"\\u003cstrong\\u003eSkoðaðu öll lán\\u003c/strong\\u003e Þar fyrir neðan birtist svo lengri listi yfir ýmis lán sem þú getur svo raðað upp eftir lánveitanda, tegund láns, vaxtategund og greiðslum.\\\",\\\"benefitsTitle\\\":\\\"Ávinningur áskriftar að Aurbjörgu\\\",\\\"benefits1\\\":\\\"\\u003cstrong\\u003eEndurfjármagnaðu núverandi húsnæðislán.\\u003c/strong\\u003e Reiknivélin getur skoðað möguleika til að endurfjármagna eitt eða fleiri lán.\\\",\\\"benefits2\\\":\\\"Berðu saman \\u003cstrong\\u003eöll íslensk húsnæðislán á einum stað.\\u003c/strong\\u003e\\\",\\\"benefits3\\\":\\\"Þú getur auðveldlega skoðað bæði \\u003cstrong\\u003everðtryggð og óverðtryggð lán\\u003c/strong\\u003e, ásamt því að bera saman mismunandi \\u003cstrong\\u003emánaðar- og heildargreiðslur.\\u003c/strong\\u003e\\\",\\\"benefits4\\\":\\\"Þú getur þrengt niðurstöðurnar út frá ýmsum forsendum, eins og \\u003cstrong\\u003elánveitanda\\u003c/strong\\u003e og \\u003cstrong\\u003evaxtategund.\\u003c/strong\\u003e\\\",\\\"benefitsTitle2\\\":\\\"Vertu með og sparaðu í dag!\\\",\\\"benefitsSubtitle\\\":\\\"Ekki missa af tækifærinu til að spara peninga! Skráðu þig í grunnáskrift Aurbjargar núna og byrjaði að nýta þér kosti Húsnæðislánareiknivélina.\\\",\\\"benefitsCta\\\":\\\"Smelltu hér til að komast í áskrift\\\",\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvað er endurfjármögnun húsnæðislána?\\\",\\\"q1Answer\\\":\\\"Endurfjármögnun felur í sér að greiða upp eldra lán með nýju láni sem getur boðið betri kjör eða hentað betur í núverandi aðstæðum.\\\",\\\"q2\\\":\\\"Hvenær er skynsamlegt að endurfjármagna húsnæðislán?\\\",\\\"q2Answer\\\":\\\"Það getur verið skynsamlegt þegar vextir lækka, ef þú vilt lækka mánaðargreiðslur eða ef þú þarft viðbótarfjármagn til framkvæmda eða kaupa.\\\",\\\"q3\\\":\\\"Hvernig get ég nýtt húsnæðislánareiknivél Aurbjargar til að endurfjármagna?\\\",\\\"q3Answer\\\":\\\"Þú velur \\\\\\\"Endurfjármögnun\\\\\\\" í reiknivélinni, slærð inn upplýsingar um núverandi lán og færð upp samanburð á lánum með lægstu mánaðargreiðslu eða heildargreiðslu\\\",\\\"q4\\\":\\\"Hver er munurinn á lægstu mánaðargreiðslu og lægstu heildargreiðslu?\\\",\\\"q4Answer\\\":\\\"Lægsta mánaðargreiðsla sýnir lán með lægstu afborgunum á mánuði, á meðan lægsta heildargreiðsla sýnir lán með lægstu heildarupphæð greiddri yfir lánstímann.\\\",\\\"q5\\\":\\\"Er flókið að endurfjármagna húsnæðislán?\\\",\\\"q5Answer\\\":\\\"Nei, ferlið er einfalt með húsnæðislánareiknivél Aurbjargar. Þú færð upp lista yfir hagstæð lán og getur auðveldlega valið það sem hentar þér best.\\\",\\\"q6\\\":\\\"Hvernig get ég sparað peninga með endurfjármögnun?\\\",\\\"q6Answer\\\":\\\"Með því að skipta yfir í lán með lægri vöxtum eða hagstæðari kjörum getur þú lækkað mánaðargreiðslur og sparað peninga á heildarlánstímanum.\\\",\\\"q7\\\":\\\"Er einhver kostnaður við að endurfjármagna húsnæðislán?\\\",\\\"q7Answer\\\":\\\"Það getur verið kostnaður, svo sem lántökugjald, uppgreiðslugjald, greiðslumat og þinglýsingargjald.\\\",\\\"q8\\\":\\\"Hvað er lánstími og hvernig hefur hann áhrif á endurfjármögnun?\\\",\\\"q8Answer\\\":\\\"Lánstími er sá tími sem þú hefur til að greiða lánið upp. Lengri lánstími getur lækkað mánaðargreiðslur en hækkað heildargreiðslur, á meðan styttri lánstími getur minnkað heildargreiðslur en aukið mánaðargreiðslur.\\\",\\\"q9\\\":\\\"Hver er helstu atriði sem ég þarf að hafa í huga þegar ég endurfjármagna húsnæðislán?\\\",\\\"q9Answer\\\":\\\"Þú þarft að skoða núverandi lánskjör, hvaða ný lán eru í boði, hvaða lánstími hentar þér best, og hvort það sé uppgreiðslugjald á gamla láninu.\\\"}},\\\"MortgageCalculator\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Húsnæðislánareiknivél\\\",\\\"description\\\":\\\"Leitaðu að húsnæðisláni sem hentar þér fyrir: Nýtt lán, Fyrstu kaup, Endurfjármögnun\\\"},\\\"header\\\":{\\\"productName\\\":\\\"Húsnæðislánareiknivél\\\",\\\"title\\\":\\\"Við hjálpum þér að finna \\u003cspan\\u003ebesta húsnæðislánið\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Leitaðu að húsnæðisláni sem hentar þér fyrir:\\\",\\\"point1\\\":\\\"Nýtt lán\\\",\\\"point2\\\":\\\"Fyrstu kaup\\\",\\\"point3\\\":\\\"Endurfjármögnun\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\"},\\\"howItWorks\\\":\\\"Hvað er Húsnæðislána\\\\nreiknivélin?\\\",\\\"howItWorksText\\\":\\\"Með húsnæðislánareiknivél getur þú slegið inn hvað þú þarft að fá mikið að láni fyrir ákveðna fasteign. Húsnæðislánareiknivélin getur fundið ótal niðurstöður og flokkað eftir \\u003cstrong\\u003elægstu mánaðargreiðslu\\u003c/strong\\u003e eða lægstu heildargreiðslu fyrir bæði verðtryggð og óverðtryggð lán.\\\",\\\"howItWorks2\\\":\\\"Hvernig virkar þetta fyrir ný lán og fyrstu kaupendur?\\\",\\\"howItWorks21Strong\\\":\\\"Fylltu inn þínar upplýsingar:\\\",\\\"howItWorks21Text\\\":\\\"Sláðu inn kaupverð fasteignarinnar, þína útborgun og lánstíma ásamt mánaðarlaunum þínum eftir skatt.\\\",\\\"howItWorks22Strong\\\":\\\"Skoðaðu niðurstöður:\\\",\\\"howItWorks22Text\\\":\\\"Húsnæðislánareiknivélin reiknar út lánsfjárhæðina sem þú ert að leita að ásamt þinni hámarks greiðslubyrði láns miðað við reglur Seðlabanka Íslands.\\\",\\\"howItWorks23Strong\\\":\\\"Berðu saman fjölda lána:\\\",\\\"howItWorks23Text\\\":\\\"Húsnæðislánareiknivélin birtir þér niðurstöður í fjórum flokkum: Hagstæðustu verðtryggðu og óverðtryggðu lánin ásamt lægstu mánaðargreiðslu og lægstu heildargreiðslu.\\\",\\\"howItWorks24Strong\\\":\\\"Sparaðu peninga:\\\",\\\"howItWorks24Text\\\":\\\"Taktu hagstæðasta lánið fyrir þig!\\\",\\\"benefitsTitle\\\":\\\"Af hverju Húsnæðislánareiknivél Aurbjargar?\\\",\\\"benefitsCompare\\\":\\\"Berðu saman \\u003cstrong\\u003eöll íslensk húsnæðislán\\u003c/strong\\u003e á einum stað til að finna \\u003cstrong\\u003ebetra lán fyrir þig.\\u003c/strong\\u003e\\\",\\\"benefitsBetter\\\":\\\"Þú getur borið saman \\u003cstrong\\u003everðtryggð\\u003c/strong\\u003e og \\u003cstrong\\u003eóverðtryggð\\u003c/strong\\u003e lán, \\u003cstrong\\u003emánaðargreiðslur\\u003c/strong\\u003e og \\u003cstrong\\u003eheildargreiðslur\\u003c/strong\\u003e lána á þægilegan og einfaldan hátt.\\\",\\\"benefitsResults\\\":\\\"Þú getur flokkað niðurstöður út frá ýmsum forsendum, eins og t.d. lánveitanda og vaxtategund.\\\",\\\"benefitsEasyToUse\\\":\\\"Niðurstöðurnar úr Húsnæðislánareiknivélinni eru skýrar, auðlesanlegar og þægilegar í notkun.\\\",\\\"dontMiss\\\":\\\"Ekki missa af tækifærinu til að spara peninga!\\\",\\\"benefitsTitle2\\\":\\\"Vertu með og sparaðu í dag!\\\",\\\"benefitsSubtitle\\\":\\\"Skráðu þig í grunnáskrift Aurbjargar núna og hafðu öll þín fjármál á einum stað til að taka upplýstari og betri ákvarðanir.\\\",\\\"benefitsCta\\\":\\\"Komdu í áskrift\\\",\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvað er húsnæðislánareiknivél og hvernig getur hún hjálpað mér?\\\",\\\"q1Answer\\\":\\\"Húsnæðislánareiknivél Aurbjargar hjálpar þér að finna hagstæðustu húsnæðislánin, bæði verðtryggð og óverðtryggð, og býður upp á samanburð eftir mánaðargreiðslum eða heildargreiðslum.\\\",\\\"q2\\\":\\\"Hver er munurinn á verðtryggðu og óverðtryggðu láni í niðurstöðunum?\\\",\\\"q2Answer\\\":\\\"Verðtryggð lán eru tengd verðbólgu og upphæðin breytist með henni, á meðan óverðtryggð lán eru fastari í upphæð. Húsnæðislánareiknivélin birtir bæði tegundir lána til samanburðar.\\\",\\\"q3\\\":\\\"Get ég notað reiknivélina ef ég er að sækja um mitt fyrsta húsnæðislán?\\\",\\\"q3Answer\\\":\\\"Já, reiknivélin er mjög gagnleg fyrir fyrstu kaupendur. Hún hjálpar þér að sjá hvaða lán eru í boði miðað við þína fjárhagsstöðu og reglur um greiðslubyrði.\\\",\\\"q4\\\":\\\"Hvernig finn ég hagstæðasta lánið fyrir mig?\\\",\\\"q4Answer\\\":\\\"Eftir að þú hefur fyllt inn þínar upplýsingar, birtir reiknivélin niðurstöður þar sem þú getur borið saman hagstæðustu lánin eftir mánaðargreiðslum eða heildargreiðslum.\\\",\\\"q5\\\":\\\"Hvernig finn ég hagstæðasta lánið fyrir mig?\\\",\\\"q5Answer\\\":\\\"Eftir að þú hefur fyllt inn þínar upplýsingar, birtir reiknivélin niðurstöður þar sem þú getur borið saman hagstæðustu lánin eftir mánaðargreiðslum eða heildargreiðslum.\\\",\\\"q6\\\":\\\"Get ég skoðað lán frá öllum bönkunum og lánastofnunum á Íslandi?\\\",\\\"q6Answer\\\":\\\"Já, reiknivélin sýnir þér lán frá fjölda íslenskra lánastofnana og býður upp á nákvæman samanburð þeirra.\\\",\\\"q7\\\":\\\"Hvað ef mánaðarlaunin mín breytast?\\\",\\\"q7Answer\\\":\\\"Þú getur endurtekið útreikninginn hvenær sem er og breytt upplýsingum til að sjá hvernig breyttar forsendur hafa áhrif á lánsfjárhæðina og greiðslubyrðina.\\\",\\\"q8\\\":\\\"Hvernig sparar húsnæðislánareiknivélin mér peninga?\\\",\\\"q8Answer\\\":\\\"Með því að bera saman ótal lán frá mörgum lánastofnunum getur þú valið lánið sem hefur lægstu greiðslubyrði eða heildargreiðslu, sem getur sparað þér töluvert á lánstímanum.\\\"}},\\\"LoanMonitoring\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Lánskjaravakt\\\",\\\"description\\\":\\\"Við látum þig vita þegar við finnum húsnæðislán með\\\"},\\\"productTitle\\\":\\\"Lánskjaravakt\\\",\\\"title\\\":\\\"Ert þú með \\u003cspan\\u003ebesta lánið\\u003c/span\\u003e fyrir þig?\\\",\\\"subtitle\\\":\\\"Við látum þig vita þegar við finnum húsnæðislán með\\\",\\\"point1\\\":\\\"Betri vöxtum\\\",\\\"point2\\\":\\\"Lægri mánaðargreiðslum\\\",\\\"point3\\\":\\\"Lægri heildargreiðslum\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\",\\\"whatIs\\\":\\\"Hvað er Lánskjaravaktin?\\\",\\\"whatIsText\\\":\\\"Lánskjaravakt Aurbjargar er þjónusta sem fylgist stöðugt með húsnæðislánamarkaðnum fyrir þig. Við greinum lánamöguleika og tilkynnum þér þegar betri kjör eru í boði. Með greiddri áskrift tryggir þú þér fullan aðgang að þessari þjónustu og getur sparað þér verulegar fjárhæðir.\\\",\\\"howItWorks\\\":\\\"Hvernig virkar Lánskjaravakt?\\\",\\\"subscribeStrong\\\":\\\"Nældu þér í áskrift af Aurbjörgu\\\",\\\"subscribeText\\\":\\\"Með áskrift færð þú aðgang að Lánskjaravaktinni og ýmsu öðrum vörum sem einfalda fjármál heimilisins.\\\",\\\"registerLoanStrong\\\":\\\"Skráðu lánin þín\\\",\\\"registerLoanText\\\":\\\"Skráðu lánin þín nákvæmlega til að tryggja bestu endurfjármögnunarmöguleikana.\\\",\\\"monitoringStrong\\\":\\\"Við greinum lánamarkaðinn\\\",\\\"monitoringText\\\":\\\"Við fylgjumst stöðugt með markaðnum og leitum að betri kjörum fyrir þig.\\\",\\\"notificationsStrong\\\":\\\"Þú færð tilkynningar\\\",\\\"notificationsText\\\":\\\"Við látum þig vita þegar við finnum lán með betri vöxtum, lægri mánaðargreiðslum eða minni heildarkostnaði.\\\",\\\"saveStrong\\\":\\\"Sparaðu peninga:\\\",\\\"saveText\\\":\\\"Þú endurfjármagnar og sparar!\\\",\\\"benefitsTitle\\\":\\\"Ávinningur Lánskjaravaktar\\\",\\\"betterOptionsStrong\\\":\\\"Betri vaxtakjör:\\\",\\\"betterOptionsText\\\":\\\"Fáðu bestu vaxtakjörin sem eru í boði á markaðnum hverju sinni.\\\",\\\"lowerPaymentsStrong\\\":\\\"Lægri mánaðargreiðslur:\\\",\\\"lowerPaymentsText\\\":\\\"Lækkaðu mánaðarlegar afborganir og eigðu meiri afgang.\\\",\\\"lowerTotalStrong\\\":\\\"Lægri heildarkostnaður:\\\",\\\"lowerTotalText\\\":\\\"Sparaðu heildarkostnað lánsins og minnkaðu skuldina hraðar.\\\",\\\"onTimeStrong\\\":\\\"Við látum þig vita:\\\",\\\"onTimeText\\\":\\\"Fáðu tilkynningar um leið og betri lánamöguleikar eru í boði.\\\",\\\"joinToSave\\\":\\\"Vertu með og sparaðu í dag!\\\",\\\"joinToSaveText\\\":\\\" Ekki missa af tækifærinu til að spara peninga!\\\",\\\"joinToSaveText2\\\":\\\"Skráðu þig í áskrift hjá Aurbjörgu og byrjaðu að nýta þér Lánskjaravaktina.\\\",\\\"clickToSubscribe\\\":\\\"Smelltu hér til að komast í Lánskjaravaktina\\\",\\\"tryLoanMonitoring\\\":\\\"Prófaðu Lánskjaravaktina\\\",\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvað er Lánskjaravakt Aurbjargar?\\\",\\\"q1Answer\\\":\\\"Lánskjaravakt Aurbjargar er þjónusta sem fylgist stöðugt með húsnæðislánamarkaðnum fyrir þig. Lánskjaravaktin greinir lánamöguleika og tilkynnir þér þegar betri kjör eru í boði, hvort sem það eru lægri vextir, lægri mánaðargreiðslur eða lægri heildarkostnaður. Með greiddri áskrift færðu fullan aðgang að þessari þjónustu og getur þannig sparað verulegar fjárhæðir með því að endurfjármagna húsnæðislánin þín þegar hagstæðari kjör finnast.\\\",\\\"q2\\\":\\\"Hvernig getur Lánskjaravaktin sparað mér pening?\\\",\\\"q2Answer\\\":\\\"Lánskjaravaktin getur sparað þér peninga með því að fylgjast stöðugt með húsnæðislánamarkaðnum og finnur betri lánamöguleika en þú ert með. Þegar Lánskjaravaktin finnur lán með lægri vöxtum, lægri mánaðargreiðslum eða lægri heildarkostnaði færðu tilkynningu um það. Með því að endurfjármagna húsnæðislánið þitt í samræmi við þessar tilkynningar getur þú lækkað greiðslubyrðina þína og sparað pening til lengri tíma, hvort sem það er í formi lægri vaxta eða lægri heildarkostnaðar.\\\",\\\"q3\\\":\\\"Hvernig virkar Lánskjaravaktin\\\",\\\"q3Answer\\\":\\\"Lánskjaravaktin virkar á einfaldan og skilvirkan hátt til að hjálpa þér að finna betri lánamöguleika. Fyrsta skrefið er að kaupa áskrift að Aurbjörgu, sem veitir þér fullan aðgang að Lánskjaravaktinni. Næst skráir þú inn þína fasteign og í kjölfarið húsnæðislánin þín með nákvæmum upplýsingum. Eftir að lánið hefur verið skráð, fylgist Lánskjaravaktin stöðugt með lánamarkaðnum fyrir þig og ber saman kjör frá mismunandi lánastofnunum og færð tilkynningu þegar betri kjör bjóðast. Þú getur stillt þína Lánskjaravakt og valið að fá tilkynningu þegar þér bjóðast annað hvort lægri vextir eða lægri mánaðargreiðslur. Einnig er hægt að velja hvaða vaxtategund, lánsform og greiðslutegund á að vakta og að lokum stillir þú hvaða banka, sparisjóði eða lífeyrissjóði Lánskjaravaktin á að fylgjast með.\\\",\\\"q4\\\":\\\"Er lánskjaravaktin einungis fyrir þá sem eru með húsnæðislán?\\\",\\\"q4Answer\\\":\\\"Nei, Lánskjaravaktin er ekki eingöngu fyrir þá sem eru með húsnæðislán. Þó að þjónustan sé aðallega miðuð við að fylgjast með húsnæðislánum, þá getur hún einnig gagnast þeim sem eru að hugsa um að taka lán. Með því að fylgjast með lánamarkaðnum og fá tilkynningar um betri kjör, getur þú einnig nýtt þér þjónustuna til að velja hagstætt lán áður en þú tekur það.\\\",\\\"q5\\\":\\\"Hvernig virkar það ef ég vil bara sjá t.d. verðtryggð lán\\\",\\\"q5Answer\\\":\\\"Eftir að þú ert búin að skrá bæði fasteign og lánið þitt inn hjá Aurbjörgu getur þú stillt þína Lánskjaravakt. Þú getur til dæmis stillt þína Lánskjaravakt á þann hátt að þú fáir bara tilkynningu þegar þér bjóðast annað hvort lægri vextir eða lægri mánaðargreiðslur. Einnig er hægt að velja hvaða vaxtategund, lánsform og greiðslutegund á að vakta og að lokum stillir þú hvaða banka, sparisjóði eða lífeyrissjóði Lánskjaravaktin á að fylgjast með. Í þessum stillingum á Lánskjaravaktinni myndir þú stilla vaktina þannig að þú fáir einungis tilkynningu þegar kjör á verðtryggðum lánum breytast.\\\",\\\"q6\\\":\\\"Hvað gerist þegar betri lánskjör eru í boði?\\\",\\\"q6Answer\\\":\\\"Þegar Lánskjaravaktin finnur betri lánskjör fyrir þig, færðu sjálfkrafa tilkynningu frá Aurbjörgu í tölvupósti sem inniheldur upplýsingar um nýju lánamöguleikana.\\\",\\\"q7\\\":\\\"Hvað kostar áskrift?\\\",\\\"q7Answer\\\":\\\"Mánaðaráskrift hjá Aurbjörgu kostar 1.490 kr. á mánuði. Ársáskrift hjá Aurbjörgu kostar 998 kr. á mánuði og er áskriftin greidd árlega 11.990 kr. Einnig er Aurbjörg með Fríáskrift, þar hefur þú hinsvegar ekki aðgang að Lánskjaravaktinni.\\\",\\\"q8\\\":\\\"Hvernig tryggir Lánskjaravaktin að ég fái bestu kjörin?\\\",\\\"q8Answer\\\":\\\"Lánskjaravaktin uppfærir gögnin daglega til að tryggja að þú fáir sem nákvæmastar upplýsingar um lánamöguleika.\\\",\\\"q9\\\":\\\"Hvernig fæ ég aðgang að Lánskjaravaktinni?\\\",\\\"q9Answer\\\":\\\"Þú getur fengið aðgang að Lánskjaravaktinni með mánaðaráskrift eða ársáskrift að Aurbjörgu.\\\"}},\\\"Mortgage\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Berðu saman öll húsnæðislán á einum stað\\\",\\\"description\\\":\\\"Hér getur þú fundið upplýsingar um lán frá öllum helstu lánveitendum húsnæðislána. Til að auðvelda samanburðinn getur þú notað reiknivél húsnæðislána sem sýnir þér mánaðarlegar greiðslur og heildargreiðslu láns út frá þínum forsendum.\\\"},\\\"header\\\":{\\\"title\\\":\\\"Berðu saman \\u003cspan\\u003eöll húsnæðislán\\u003c/span\\u003e á einum stað\\\",\\\"subtitle\\\":\\\"Til að auðvelda samanburðinn geta áskrifendur nýtt sér Húsnæðislánareiknivél þar sem hægt er að reikna mánaðarlegar greiðslur lána og heildargreiðslur lána út frá ýmsum forsendum.\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\",\\\"loanMonitoring\\\":\\\"Komdu í Lánskjaravakt\\\"},\\\"cta\\\":{\\\"text\\\":\\\"Ert þú með besta lánið fyrir þig?\\\",\\\"li1\\\":\\\"Fáðu bestu vaxtakjörin sem eru í boði á markaðnum hverju sinni.\\\",\\\"li2\\\":\\\"Lækkaðu mánaðarlegar afborganir og eigðu meiri afgang.\\\",\\\"li3\\\":\\\"Fáðu tilkynningar um leið og betri lánamöguleikar eru í boði.\\\"},\\\"headline\\\":\\\"Berðu saman öll húsnæðislán\\\",\\\"firstTimeBuyer\\\":\\\"Fyrstu íbúðarkaup\\\",\\\"table\\\":{\\\"provider\\\":\\\"Lánveitandi\\\",\\\"estimationYear\\\":\\\"Fmat.\\\",\\\"mortgageRate\\\":\\\"Veðhlutfall\\\",\\\"loanFee\\\":\\\"Lántökugjald\\\",\\\"nonIndexedVariableInterestRate\\\":\\\"Óverðtryggt breyt. vextir\\\",\\\"nonIndexedFixedInterestRate\\\":\\\"Óverðtryggt fastir vextir 3ár\\\",\\\"nonIndexedFixedInterestRate5years\\\":\\\"Óverðtryggt fastir vextir 5ár\\\",\\\"indexedVariableInterestRate\\\":\\\"Verðtryggt breyt. vextir\\\",\\\"indexedFixedInterestRate\\\":\\\"Verðtryggt fastir vextir\\\",\\\"paymentFee\\\":\\\"Uppgreiðslu gjald\\\",\\\"loanFor\\\":\\\"Lántaka fyrir\\\"},\\\"loanFor\\\":{\\\"all\\\":\\\"Alla\\\",\\\"high\\\":\\\"Suma\\\",\\\"medium\\\":\\\"Flesta\\\"},\\\"faq\\\":\\\"Spurt og svarað\\\",\\\"qa1\\\":{\\\"question\\\":\\\"Get ég sótt um öll þessi lán?\\\",\\\"answer\\\":\\\"Þú getur ekki sótt um öll lánin sem birtast á töflunni. Hjá sumum lánveitendum eru sérstök skilyrði sem umsækjendur þurfa að uppfylla til að geta fengið lán. Því er mikilvægt að kanna vel hvaða skilyrði þú þarft að uppfylla áður en þú sækir um lán hjá lífeyrissjóði eða öðrum lánveitanda.\\\"},\\\"qa2\\\":{\\\"question\\\":\\\"Af hverju eru 2 prósentur?\\\",\\\"answer\\\":\\\"Hjá sumum lánveitendum má sjá tvær misháar vaxtaprósentur. Ef tvær prósentutölur eru birtar, þá vísar efri prósentan til vaxta á grunnlánum, á meðan sú neðri vísar til vaxta á viðbótarlánum\\\"},\\\"qa3\\\":{\\\"question\\\":\\\"Hvar finn ég hvort ég geti tekið lán hjá öllum lánveitendunum?\\\",\\\"answer\\\":\\\"Á dálknum lengst til hægri í samanburðartöflunni má sjá hvort lánveitandi bjóði upp á lántöku fyrir alla, flesta eða suma. Á heimasíðum lánveitanda er svo hægt að finna ítarlegri upplýsingar um skilyrði lántöku. Einnig er hægt að hafa samband við lánveitendur beint, annað hvort með því að hringja eða senda tölvupóst.\\\"},\\\"qa4\\\":{\\\"question\\\":\\\"Getur Aurbjörg hjálpað mér að finna rétta lánið fyrir mig?\\\",\\\"answer\\\":\\\"Aurbjörg getur hjálpað þér að finna rétta húsnæðislánið. Með \\u003clinkToMortgageCalc\\u003ehúsnæðislánareiknivél Aurbjargar\\u003c/linkToMortgageCalc\\u003e getur þú sett inn þínar forsendur fyrir íbúðarkaup og fengið upp fjölbreytta lánamöguleika sem gætu hentað þér. Reiknivélin veitir þér yfirlit yfir mismunandi lánamöguleika frá lánveitendum, flokkaða eftir lægstu mánaðargreiðslu eða lægstu heildargreiðslu, bæði fyrir verðtryggð og óverðtryggð lán.\\\"},\\\"qa5\\\":{\\\"question\\\":\\\"Get ég borið saman mitt núverandi lán við önnur lán?\\\",\\\"answer\\\":\\\"\\u003cp\\u003eJá þú getur borið saman þitt núverandi lán við önnur lán!\\u003c/p\\u003e\\u003cp\\u003eMeð \\u003clinkToLoanMonitoring\\u003eLánskjaravakt Aurbjargar\\u003c/linkToLoanMonitoring\\u003e getur þú borið saman þitt núverandi lán við önnur lán á húsnæðislánamarkaðnum í dag.\\u003c/p\\u003e\\u003cp\\u003eÞú skráir þitt húsnæðislán og setur upp Lánskjaravaktina þína. Þú getur valið að fá tilkynningu þegar þér bjóðast annað hvort lægri vextir eða lægri mánaðargreiðslur. Einnig er hægt að velja hvaða vaxtategund, lánsform og greiðslutegund á að vakta og að lokum stillir þú hvaða banka, sparisjóði eða lífeyrissjóði Lánskjaravaktin á að fylgjast með. Þegar betri kjör bjóðast, færð þú tilkynningu frá Aurbjörgu.\\u003c/p\\u003e\\\"},\\\"qa6\\\":{\\\"question\\\":\\\"Hver er munurinn á verðtryggðu og óverðtryggðu láni?\\\",\\\"answer\\\":\\\"Munurinn á verðtryggðu og óverðtryggðu láni er að höfuðstóll verðtryggðs láns er tengdur verðbólgu, sem þýðir að hann getur hækkað með tímanum. Verðtryggð lán hafa oft lægri vexti en óverðtryggð lán, og vegna þess eru mánaðarlegar greiðslur á verðtryggðu láni yfirleitt lægri en á óverðtryggðu láni. Í óverðtryggðum lánum er höfuðstóllinn óháður verðbólgu og breytist því ekki á lánstímanum. Hins vegar bera óverðtryggð lán hærri vexti til að vega upp áhættuna sem bankinn tekur.\\\"},\\\"qa7\\\":{\\\"question\\\":\\\"Hver er munurinn á breytilegum og föstum vöxtum?\\\",\\\"answer\\\":\\\"Munurinn á breytilegum og föstum vöxtum er að breytilegir vextir hækka eða lækka með markaðsaðstæðum á lánstímanum, sem hefur áhrif á mánaðarlegar greiðslur. Fastir vextir haldast hins vegar óbreyttir í ákveðinn tíma, annað hvort 3 eða 5 ár, og losna svo að lánstíma loknum. Fastir vextir gefa því stöðugri greiðslubyrði en bjóða ekki upp á lægri vexti ef markaðsvextir lækka, nema ef lánið er endurfjármagnað.\\\"},\\\"qa8\\\":{\\\"question\\\":\\\"Hvernig hef ég samband við lánveitendur?\\\",\\\"answer\\\":\\\"Til að hafa samband við lánveitendur eru til nokkrar leiðir. Þú getur heimsótt heimasíður þeirra, þar sem margir bjóða upp á netspjall eða sambandseyðublöð fyrir fyrirspurnir. Einnig er hægt að hringja í þjónustuver þeirra til að fá beinar upplýsingar og ráðgjöf. Ef þér finnst hentugra að senda tölvupóst, er það einnig góð leið til að spyrja um lán eða þjónustu. Sumir lánveitendur bjóða upp á fundi með ráðgjöfum, bæði í gegnum síma eða persónulega fundi. Að auki eru lánveitendur oft virkir á samfélagsmiðlum eins og Facebook og Instagram, þar sem þú getur sent fyrirspurnir og fengið svör. Veldu þann samskiptamáta sem hentar þér best!\\\"},\\\"qa9\\\":{\\\"question\\\":\\\"Hvernig veit ég hvers virði íbúðin er?\\\",\\\"answer\\\":\\\"Þú getur nýtt þér \\u003clinkToVerdmat\\u003everðmat\\u003c/linkToVerdmat\\u003e til að áætla markaðsvirði fasteignarinnar þinnar. Verðmatið er hugbúnaðarlausn sem notar mikið safn fasteignaupplýsinga frá Íslandi. Með Verðmatinu færðu skýrslu sem sýnir áætlað markaðsverð eignarinnar ásamt ítarlegum upplýsingum um sölu sambærilegra eigna, sem getur verið gagnlegt við kaup eða sölu á fasteign.\\\"},\\\"qa10\\\":{\\\"question\\\":\\\"Hvernig get ég endurfjármagnað?\\\",\\\"answer\\\":\\\"\\u003clinkToRefinance\\u003eEndurfjármögnun húsnæðislána\\u003c/linkToRefinance\\u003e gengur út á að taka nýtt lán til að greiða upp það gamla, með hagstæðari skilmálum, eins og lægri vöxtum eða mánaðargreiðslum. Lánskjaravaktin hjá Aurbjörgu getur auðveldað þér að finna tækifæri til endurfjármögnunar. Þú skráir núverandi húsnæðislán og setur upp vaktina. Þannig getur þú fengið tilkynningar þegar betri kjör, hvort sem það eru lægri vextir eða mánaðargreiðslur, standa þér til boða. Þú getur einnig ákveðið hvaða vaxtategund, lánstegund og greiðsluskilmála Lánskjaravaktin á að fylgjast með, og tilgreint hvaða lánveitendur, eins og bankar eða lífeyrissjóðir, eiga að vera vaktaðir. Þegar betri kjör bjóðast, færð þú tilkynningu frá Aurbjörgu, og þá getur þú haft samband við viðeigandi lánveitanda og sótt um endurfjármögnun.\\\"},\\\"qa11\\\":{\\\"question\\\":\\\"Hvað er grunnlán og hvað er viðbótarlán?\\\",\\\"answer\\\":\\\"\\u003cp\\u003eSumir lánveitendur bjóða bæði upp á grunnlán og viðbótarlán. Grunnlán nær venjulega yfir stærstan hluta kaupverðs fasteignar og getur farið upp í 50-85% af markaðsvirði eignarinnar, allt eftir lánveitanda. Grunnlán hafa oft hagstæðari kjör, með lægri vöxtum og lengri lánstíma, sem gerir þau þægilegri fyrir lántaka.\\u003c/p\\u003e\\u003cp\\u003eViðbótarlán er tekið til að fjármagna þann hluta kaupverðsins sem grunnlánið nær ekki yfir. Ef grunnlánið dugar ekki til að fullfjármagna fasteignakaupin, getur kaupandi sótt um viðbótarlán til að brúa bilið. Þessi lán eru oft með hærri vöxtum og skemmri lánstíma en grunnlán, þar sem þau fela í sér meiri áhættu fyrir lánveitandann.\\u003c/p\\u003e\\u003cp\\u003eÞessi samsetning lánanna getur hjálpað kaupendum að fá fulla fjármögnun fyrir fasteign.\\u003c/p\\u003e\\\"},\\\"qa12\\\":{\\\"question\\\":\\\"Þarf ég að taka viðbótarlán?\\\",\\\"answer\\\":\\\"Þú þarft einungis að taka viðbótarlán ef grunnlánið nær ekki að fjármagna þá lánsfjárupphæð sem þú þarft. Viðbótarlánið er þá notað til að brúa bilið og fjármagna þann hluta kaupverðsins sem grunnlánið nær ekki yfir. Hlutfall grunnláns getur verið breytilegt eftir lánveitendum, og fer oftast frá 50% til 85% af kaupverði eignarinnar.\\\"},\\\"qa13\\\":{\\\"question\\\":\\\"Hvað er veðhlutfall?\\\",\\\"answer\\\":\\\"\\u003cp\\u003eVeðhlutfall er mælikvarði á hversu stórt hlutfall af virði fasteignar þú tekur í lán. Það er reiknað sem hlutfall lánsins miðað við verðmæti eignarinnar.\\u003c/p\\u003e\\u003cp\\u003eTil dæmis, ef þú kaupir hús fyrir 40 milljónir króna og tekur 32 milljónir í lán, þá er veðhlutfallið 80% (32 milljónir/40 milljónir = 0,8 eða 80%).\\u003c/p\\u003e\\u003cp\\u003eEf veðhlutfallið er hátt, eins og yfir 80%, þýðir það að lánið er stórt miðað við virði eignarinnar. Ef það er lágt, til dæmis undir 50%, merkir það að þú leggur mikið af eigin fé í eignina. Lánastofnanir nota veðhlutfall til að meta áhættu lánsins og setja oft hámark, til dæmis að veðhlutfall megi ekki fara yfir 65-85% af virði eignarinnar.\\u003c/p\\u003e\\\"}},\\\"Gas\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Samanburður á bensín og dísel\\\",\\\"description\\\":\\\"Samanburður á bensín og dísel frá öllum bensínfyrirtækjum landsins\\\"},\\\"header\\\":{\\\"title\\\":\\\"Samanburður á bensín og dísel\\\",\\\"subtitle\\\":\\\"Samanburður á bensín og dísel frá öllum bensínfyrirtækjum landsins\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\"},\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvernig finn ég lægsta bensín- eða díselverðið í mínu nágrenni?\\\",\\\"q1Answer\\\":\\\"Á síðunni sérð þú yfirlitskort yfir allar bensínstöðvar á landinu. Þar getur þú rennt bendlinum yfir og fengið verð á bæði bensíni og dísel á þeirri staðsetningu sem þú vilt sjá.\\\",\\\"q2\\\":\\\"Af hverju eru mismunandi verð á bensínu og díseli á mismunandi bensínstöðvum?\\\",\\\"q2Answer\\\":\\\"Verð getur verið mismunandi eftir staðsetningu, samkeppni og flutningskostnaði.\\\",\\\"q3\\\":\\\"Er innifalið í verðinu allur sá kostnaður sem fylgir eldsneytiskaupum?\\\",\\\"q3Answer\\\":\\\"Já, verðin sem birt eru með virðisaukaskatti og öðrum gjöldum.\\\",\\\"q4\\\":\\\"Af hverju breytast bensín- og díselverð svona oft?\\\",\\\"q4Answer\\\":\\\"Eldsneytisverð getur breyst reglulega vegna sveiflna á heimsmarkaðsverðs á olíu, gengisbreytinga og annarra áhrifaþátta.\\\"}},\\\"BankCards\\\":{\\\"meta\\\":{\\\"debit\\\":{\\\"title\\\":\\\"Samanburður debetkorta - Aurbjörg\\\",\\\"description\\\":\\\"Aurbjörg aðstoðar þig við fjármálin. Berðu saman öll lán, bankareikninga og kort á einum stað og lærðu allt það nauðsynlega um fjármál\\\"},\\\"credit\\\":{\\\"title\\\":\\\"Samanburður kreditkorta - Aurbjörg\\\",\\\"description\\\":\\\"Aurbjörg aðstoðar þig við fjármálin. Berðu saman öll lán, bankareikninga og kort á einum stað og lærðu allt það nauðsynlega um fjármál\\\"}},\\\"header\\\":{\\\"debit\\\":{\\\"title\\\":\\\"Samanburður \\u003cspan\\u003edebetkorta\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Samanburður á helstu eiginleikum debetkorta og kreditkorta.\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\"},\\\"credit\\\":{\\\"title\\\":\\\"Samanburður \\u003cspan\\u003ekreditkorta\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Samanburður á helstu eiginleikum debetkorta og kreditkorta.\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\"}},\\\"debit\\\":\\\"Debetkort\\\",\\\"credit\\\":\\\"Kreditkort\\\",\\\"filters\\\":{\\\"sagaLounge\\\":\\\"Saga Lounge Icelandair\\\",\\\"sagaPoints\\\":\\\"Vildarpunktar Icelandair\\\",\\\"travelInsurance\\\":\\\"Ferðatryggingar\\\",\\\"nrOfFreeTransactions\\\":\\\"Fríar færslur\\\",\\\"transactionFee\\\":\\\"Færslugjald\\\",\\\"yearlyFee\\\":\\\"Árgjald korts\\\"},\\\"cardType\\\":\\\"Tegund korta\\\",\\\"creditCard\\\":\\\"Kreditkort\\\",\\\"debitCard\\\":\\\"Debetkort\\\",\\\"banks\\\":\\\"Banki\\\",\\\"benefits\\\":\\\"Fríðindi\\\",\\\"apply\\\":\\\"Skoða nánar\\\",\\\"monthlyCardFee\\\":\\\"Mánaðargjald korts\\\",\\\"annualCardFee\\\":\\\"Árgjald aðalkorts\\\",\\\"annualCost\\\":\\\"Árgjald\\\",\\\"freeTransactionsPerYear\\\":\\\"Fríar færslur á ári\\\",\\\"forWho\\\":\\\"Fyrir hvern?\\\",\\\"no\\\":\\\"Nei\\\",\\\"yes\\\":\\\"Já\\\",\\\"free\\\":\\\"Frítt\\\",\\\"weFound\\\":\\\"Við fundum\\\",\\\"cards\\\":\\\"kort\\\",\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hver er munurinn á debetkorti og kreditkorti?\\\",\\\"q1Answer\\\":\\\"\\u003cp\\u003eMunurinn á debetkorti og kreditkorti liggur aðallega í því hvernig greiðslurnar eru framkvæmdar og hvernig skuldfærslan fer fram.\\u003c/p\\u003e\\u003cp\\u003eÞegar þú notar debetkort er fjárhæðin tekin beint af bankareikningnum þínum. Þú getur því aðeins eytt því fé sem þú átt í boði á reikningnum. Þar sem þú átt peninginn sem er á debetkortinu þínu ert þú ekki að taka lán, það er því enginn vaxtakostnaður tengdur við notkun debetkortsins.\\u003c/p\\u003e\\u003cp\\u003eÞegar þú notar kreditkort ert þú í raun að taka lán frá kortafyrirtækinu eða bankanum. Þú borgar upp skuldina í lok mánaðarins eða samkvæmt samkomulagi. Upphæðin sem þú eyðir er því ekki skuldfærð strax af reikningnum þínum, heldur safnast upp skuld sem þú greiðir. Ef þú borgar ekki skuldina að fullu í lok greiðslutímabilsins, verða reiknaðir vextir af ógreiddri upphæð.\\u003c/p\\u003e\\u003cp\\u003eKreditkort bjóða oft einnig upp á bónusa og ávinninga eins og punktasöfnun, t.d. Aukakrónur eða Icelandair saga punkta. Sem debetkort gera sjaldnast.\\u003c/p\\u003e\\\",\\\"q2\\\":\\\"Hvað þarf ég að hafa í huga þegar ég vel á milli debet- og kreditkorta?\\\",\\\"q2Answer\\\":\\\"\\u003cp\\u003eÞegar þú velur á milli debet- og kreditkorta skaltu íhuga fjárhagsstöðu þína og þarfir. Debetkort henta ef þú vilt forðast skuldir, þar sem þú eyðir aðeins því sem er á reikningnum þínum. Kreditkort hafa sveigjanleika og ávinnning eins og punktasöfnun(t.d. Aukakrónur og Icelandair Saga-punkta), en þú þarft að greiða skuldina í lok mánaðar til að forðast vexti.\\u003c/p\\u003e\\u003cp\\u003eÖryggi er betra með kreditkorti, þar sem svikamál eru auðveldari úrlausna. Debetkort bjóða meiri stjórn á útgjöldum, en kreditkort eru betri fyrir stærri kaup eða ferðalög vegna greiðslufrests og ávinninga.\\u003c/p\\u003e\\\",\\\"q3\\\":\\\"Hvaða viðbótargjöld fylgja því að nota greiðslukort erlendis?\\\",\\\"q3Answer\\\":\\\"Þegar þú notar greiðslukort erlendis geta fylgt ýmis viðbótargjöld sem er vert að hafa í huga. Fyrst er það gengismunur, þar sem upphæðir í erlendum gjaldmiðli eru umreiknaðar í íslenskar krónur. Bankar bæta oft 1-2,5% við á gengið. Þjónustugjald fyrir úttektir í hraðbanka eru einnig algeng, og get verið bæði fast gjald eða prósenta af úttektarupphæð, oft 1-3%.\\\",\\\"q4\\\":\\\"Hvaða gjöld fylgja debetkortum?\\\",\\\"q4Answer\\\":\\\"\\u003cp\\u003eDebetkort geta haft ýmis gjöld tengd notkun, bæði innanlands og erlendis. Fyrst má nefna árgjald, sem sumir bankar rukka fyrir að halda kortinu virku. Þá geta úttektargjöld úr hraðbanka komið til þegar þú tekur reiðufé úr hraðbönkum annarra banka en þíns eigins.\\u003c/p\\u003e\\u003cp\\u003eSumir bankar og kortafyrirtæki bæta við færslugjaldi fyrir hverja einustu færslu. Oft fylgja nokkrar fríar færslur á ári, en þegar þær eru uppurnar geta færslugjöld, sem geta verið allt að 19 krónur á færslu, bæst við. Þó eru til bankar sem rukka ekki færslugjöld á debetkortum sínum.\\u003c/p\\u003e\\u003cp\\u003eEf þú notar kortið erlendis er einnig mikilvægt að hafa í huga gengismun, þar sem 1-2,5% álag er bætt við gjaldmiðilsbreytingar þegar þú notar kortið í öðrum gjaldmiðli. Þetta getur haft áhrif á heildarkostnað við notkun kortsins utanlands.\\u003c/p\\u003e\\\",\\\"q5\\\":\\\"Hvaða gjöld fylgja kreditkortum?\\\",\\\"q5Answer\\\":\\\"\\u003cp\\u003eKreditkort geta fylgt ýmis gjöld sem gott er að hafa í huga þegar þú notar þau. Fyrst er það ársgjald, sem flest kreditkort bera, og fer það eftir tegund kortsins hversu hátt það er. Því dýrara sem kortið er, því hærra er árgjaldið, en á móti býður það upp á fleiri fríðindi.\\u003c/p\\u003e\\u003cp\\u003eVextir geta verið auka gjald sem þú greiðir ef þú greiðir ekki kreditkortareikninginn að fullu á eindaga, þar sem vextir leggjast á ógreidda upphæð og geta verið háir. Ef þú tekur reiðufé út með kreditkorti geta bæst við úttektargjöld. Einnig getur bæst við gengismunum, sem er 1,-2,5% álag sem bætist við þegar gjaldmiðillinn er breyttur yfir í íslenskar krónur.\\u003c/p\\u003e\\\",\\\"q6\\\":\\\"Hvernig virka Aukakrónur Landsbankans?\\\",\\\"q6Answer\\\":\\\"Þú sækir um plúskort eða kreditkort frá Landsbankanum sem safna Aukakrónum. Þú færð aukakrónur þegar þú notar kortið innanlands og enn fleiri Aukakrónur hjá samstarfsaðilum Landsbankans, sem þú getur fengið yfirlit yfir á heimasíðu bankans. Þú sérð Aukakrónurnar þínar í appinu og getur sett þær í Goggle Wallet eða Apple Wallet. Þú getur svo notaðn Aukakrónur til að kaupa næstum hvað sem er hjá samstarfsaðilum Landsbankans.\\\",\\\"q7\\\":\\\"Hvað eru Icelandair vildarpunktar og hvernig safna ég þeim með kortanotkun?\\\",\\\"q7Answer\\\":\\\"\\u003cp\\u003eIcelandair vildarpunktar eru hluti af vildarkerfi Icelandair sem veitir farþegum umbun fyrir flug og kortanotkun. Þú getur safnað Vildarpunktum með því að nota kreditkort í samstarfi við Icelandair, eins og frá Íslandsbanka eða Arion Banka. Með hverri kortafærslu safnast ákveðið hlutfall af upphæðinni sem vildarpunktar. Allt frá 3 til 12 punktum per 1.000 kr.\\u003c/p\\u003e\\u003cp\\u003eAuk kortanotkunar getur þú einnig safnað Vildarpunktum með því að fljúga með Icelandair eða samstarfsflugfélögum. Þegar þú hefur safnað nógu mörgum punktum, getur þú nýtt þá til að kaupa flugmiða, greiða hluta af fargjaldi eða uppfæra flugmiða í Saga Class. Vildarpunktar nýtast einnig til afslátta af hótelum, bílaleigum og hjá öðrum samstarfsaðilum Icelandair. Þetta gerir Vildarpunktakerfið að frábærri leið til að fá ferðatengda umbun fyrir daglega kortanotkun.\\u003c/p\\u003e\\\",\\\"q8\\\":\\\"Hvaða tryggingar fylgja kreditkortum?\\\",\\\"q8Answer\\\":\\\"Ýmis kreditkort bera með sér tryggingar sem geta komið sér vel fyrir korthafa, þá sérstaklega á ferðalögum. Helstu íslensku bankarnir bjóða upp á kreditkort sem innihalda mismunandi tegundir trygginga og fer það eftir tegund kortsins.\\\",\\\"q9\\\":\\\"Er hægt að hafa greiðslukort frá mismunandi bönkum?\\\",\\\"q9Answer\\\":\\\"Já, það er hægt að hafa greiðslukort frá mismunandi bönkum. Margir kjósa að eiga bæði debet- og kreditkort frá fleiri en einum banka eða kortafyrirtæki, þar sem þetta veitir meiri sveigjanleika og valkosti. Þetta getur verið gagnlegt til að nýta mismunandi þjónustu og ávinningskerfi, eins og og Aukakrónur hjá Landsbankanum eða Saga-punkta hjá Arion Banka.\\\",\\\"q10\\\":\\\"Get ég stillt úttektarheimild á kreditkortinu mínu?\\\",\\\"q10Answer\\\":\\\"Úttektarheimild er hámarksupphæð sem þú getur eytt með kortinu þínu og þú getur venjulega stillt úttektar heimildina á kreditkortinu þínu í heimabanka þínum. Einnig eru til fyrirframgreidd kreditkort þar sem þú greiðir inn á kortið til þess að nota það.\\\"}},\\\"Electricity\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Rafmagn - Aurbjörg\\\",\\\"description\\\":\\\"Vissir þú að þú ræður hvaðan þú kaupir rafmagn fyrir heimilið óháð staðsetningu? Hér getur þú séð óháðan verðsamanburð á öllum raforkusölum og með einum smelli skipt yfir í hagstæðara rafmagn\\\"},\\\"header\\\":{\\\"title\\\":\\\"Beislaðu orkuna\\\",\\\"subtitle\\\":\\\"Þú ræður hvar þú kaupir rafmagn fyrir heimilið. Aurbjörg veitir óháðan samanburð á raforkuverði og gerir þér kleift að skipta yfir í hagstæðara rafmagn með einum smelli.\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\"},\\\"cta\\\":{\\\"text\\\":\\\"Fjármálalausn sem sparar þér tíma og peninga\\\",\\\"li1\\\":\\\"Fáðu bestu vaxtakjörin sem eru í boði á markaðnum hverju sinni.\\\",\\\"li2\\\":\\\"Hvað kostar fasteignin mín?\\\",\\\"li3\\\":\\\"Ný lán geta verið hagstæðari og betri en núverandi lán á vissum tímapunkti.\\\"},\\\"table\\\":{\\\"provider\\\":\\\"Raforkusali\\\",\\\"generalPrice\\\":\\\"Almennt verð (kWst)\\\",\\\"price\\\":\\\"Kjaraverð (kWst)\\\",\\\"originPrice\\\":\\\"Verð með uppruna ábyrgð\\\",\\\"averageCost\\\":\\\"Meðalkostnaður\\\",\\\"information\\\":\\\"Upplýsingar\\\",\\\"change\\\":\\\"Skipta yfir\\\",\\\"view\\\":\\\"Skoða\\\",\\\"apply\\\":\\\"Velja\\\"},\\\"information\\\":{\\\"cost\\\":\\\"Seðil- og tilkynningargjöld\\\",\\\"apply\\\":\\\"Skipta yfir\\\",\\\"information\\\":\\\"Upplýsingar\\\"},\\\"form\\\":{\\\"name\\\":\\\"Fullt nafn\\\",\\\"ssn\\\":\\\"Kennitala\\\",\\\"address\\\":\\\"Heimilisfang\\\",\\\"postalCode\\\":\\\"Póstnúmer og bæjarfélag\\\",\\\"phone\\\":\\\"Sími\\\",\\\"email\\\":\\\"Tölvupóstur\\\",\\\"apply\\\":\\\"Skrá í viðskipti\\\"},\\\"qa\\\":{\\\"q1\\\":\\\"Get ég keypt rafmagn af hverjum sem er?\\\",\\\"q1Answer\\\":\\\"Já. Þú getur keypt rafmagn af hverjum sem er óháð því hvar þú ert búsett/ur á landinu. Rafmagnskostnaðurinn skiptist í tvennt, annars vegar í raforkusölu og raforkudreifingu en ekki er hægt að skipta um raforkudreifingar aðila. En eins og fyrr segir þá getur þú valið þér raforkusala sem býður upp á hagstætt verð hér beint af þessari vefsíðu.\\\",\\\"q2\\\":\\\"Hvað geri ég til að skipta um raforkusala?\\\",\\\"q2Answer\\\":\\\"Mjög auðvelt er að skipta um raforkusala og getur það lækkað kostnað heimilisins eða fyrirtækisins.\\\",\\\"q2Answer2\\\":\\\"Þú getur skipt um raforkusala hér beint á vefnum með því að smella á Skipta yfir hnappinn hjá viðkomandi raforkufyrirtæki. Skiptingin tekur gildi um þar næstu mánaðamót. Ekki er þörf á að setja upp aukabúnað og engin truflun verður á rafmagnsnotkun þinni við skiptin.\\\",\\\"q3\\\":\\\"Hvernig veit ég hvar ég er að kaupa raforku í dag?\\\",\\\"q3Answer\\\":\\\"Best er að kíkja á síðasta rafmagnsreikning (t.d. í heimabankanum) en þar kemur fram af hvaða fyrirtæki þú kaupir rafmagn.\\\",\\\"q3Answer2\\\":\\\"Athuga skal að á rafmagnsreikningi kemur fram hvaða fyrirtæki sér um raforkusölu og hvaða fyrirtæki sér um raforkudreifungu.\\\",\\\"q3Answer3\\\":\\\"Þú kaupir rafmagn af raforkusala (sem þú getur valið þér), en ekki er hægt að breyta um raforkudreifingar aðila.\\\",\\\"q4\\\":\\\"Hvað um húsfélög og sumarbústaði?\\\",\\\"q4Answer\\\":\\\"Húsfélög geta einnig keypt rafmagn af hverjum sem er óháð staðsetningu. Töluverður sparnaður getur verið fyrir húsfélög að velja hagstæðan raforkusala.\\\",\\\"q4Answer2\\\":\\\"Sama á við sumarbústaði, en eigendur sumarbústaða geta einnig sparað með því að velja hagstæðan raforkusala fyrir bústaðinn hér á vefnum.\\\",\\\"q5\\\":\\\"Kostar að skipta um raforkusala?\\\",\\\"q5Answer\\\":\\\"Nei það kostar ekkert að skipta um raforkusala. Óheimilt er fyrir raforkusala að taka sérstakt gjald af neytendum þegar þeir skipta um raforkusölu. Þú getur skipt um raforkusala hér beint á síðunni.\\\",\\\"q6\\\":\\\"Hvernig er rafmagns kostnaðurinn minn reiknaður?\\\",\\\"q6Answer\\\":\\\"Rafmagnsnotkun þín er mæld í kílóvattstundum (kWst) og rafmagns reikningurinn þinn skiptist í raforkudreifingu (sem þú getur ekki breytt) og raforkusölu (sem er á samkeppnismarkaði og þú getur valið þér hagstæðan söluaðila hér á síðunni). Meðalheimili notar að jafnaði 5.000 kWst á ári.\\\",\\\"q6Answer2\\\":\\\"Uppgefin verð í samanburðinum að ofan er með 24% virðisaukaskatts (vsk.), en ef um rafhitun í húsi er um að ræða (þá er 11% vsk.).\\\",\\\"q6Answer3\\\":\\\"Til þess að reikna út heildarverð á kWst fyrir bæði dreifingu og sölu á rafmagni þá má nota reiknivél frá Orkusetur: https://orkusetur.is/reiknivelar/raforka/raforkuverd/\\\",\\\"q7\\\":\\\"Hvað er græn orka og hverjir selja græna orku?\\\",\\\"q7Answer\\\":\\\"Nær öll framleidd orka á Íslandi er endurnýjanleg og þar af leiðandi græn. Hins vegar geta íslensku orku fyrirtækin selt svokallaðar upprunaábyrgðir til annarra landa en fyrirtæki í þeim löndum geta þá sagst vera að nota endurnýjanlega orku. Í staðinn þurfa þessi íslensku orkufyrirtæki að flytja inn orku frá því landi og því getur orkugjafar eins og kjarnorku og kol verið skráð á Ísland.\\\",\\\"q7Answer2\\\":\\\"Í samanburðinum að ofan sést hvaða raforkusalar hafa gefið út sértæka yfirlýsingu um að þeir noti 100% endurnýjanlega orku og selja ekki upprunaábyrgðir til annarra landa (merkt með tveimur laufblöðum) þannig að kjarnorka og kol skráist ekki á reikninga frá orkufyrirtækinu.\\\",\\\"q7Answer3\\\":\\\"Öll orkufyrirtækin veita 100% endurnýjanlega orku á smásölumarkaði en sum fyrirtækin selja einnig til stóriðju og ef upprunaábyrgðir eru seldar á þeim markaði er viðkomandi fyrirtæki merkt með einu laufblaði.\\\",\\\"q7Answer4\\\":\\\"Hér að neðan má sjá yfirlit yfir uppruna raforku hjá öllum íslensku raforkufyrirtækjunum árið 2017 þar sem sést að mikið af óendurnýjanlegri orku er skráð hér á landi (mynd er fengin af heimasíðu Orkustofnunar).\\\",\\\"q8\\\":\\\"Hver er tilgangurinn með þessum samanburði?\\\",\\\"q8Answer\\\":\\\"Eitt af markmiðum Aurbjörg.is er að hjálpa neytendum, heimilum og landsmönnum öllum að spara pening. Rafmagn er hluti af mánaðarlegum kostnaði heimila en með þessum samanburði geta neytendur valið ódýrara rafmagn og þar af leiðandi lækkað kostnað heimilsins.\\\",\\\"q8Answer2\\\":\\\"Þessi samanburður er einnig hugsaður til að vekja athygli neytenda að hægt er að velja hvaðan rafmagn er keypt og til þess að ýta undir samkeppni sem hefur verið af skornum skammti með því að gefa neytendum betra tól til þess að vera virkir neytendur.\\\",\\\"q8Answer3\\\":\\\"Þar að auki er hann einnig hugsaður til að upplýsa neytendur um aðra mikilvæga þætti í tengslum við rafmagn og rafmagnskaup.\\\",\\\"q9\\\":\\\"Hversu oft eru upplýsingarnar á síðunni uppfærðar?\\\",\\\"q9Answer\\\":\\\"Hugbúnaður Aurbjargar er með sjálfvirka daglega vöktun á breytingum hjá öllum raforkufyrirtækjum landsins ✅\\\",\\\"q10\\\":\\\"Af hverju er ekki hægt að skipta yfir í suma raforkusala hér á vefnum?\\\",\\\"q10Answer\\\":\\\"Ef raforkusali býður ekki upp á þá þjónustu að koma í viðskipti til þeirra, hér á vefnum, þá þarftu sérstaklega að hafa samband við viðkomandi raforkusala eða einfaldlega velja annan raforkusala sem þú getur skipt yfir hér á vefnum.\\\",\\\"q11\\\":\\\"Hvað er almennt verð?\\\",\\\"q11Answer\\\":\\\"Almennt verð er lægsta almenna verðið á kWst sem er aðgengilegt öllum, óháð fyrri viðskiptum, sérkjörum eða greiðsluleiðum.\\\",\\\"q12\\\":\\\"Hvað er kjaraverð?\\\",\\\"q12Answer\\\":\\\"Kjaraverð er lægsta verð á kWst sem er aðgengilegt öllum en háð skilyrðum á borð við fyrri viðskipti, greiðsluleið eða öðrum viðskiptum.\\\",\\\"q13\\\":\\\"Hvað er verð með upprunaábyrgð?\\\",\\\"q13Answer\\\":\\\"Verð með upprunaábyrgð er verð fyrir kWst þar sem raforkusalinn ábyrgist upprunavottun rafmagns.\\\",\\\"q14\\\":\\\"Hvað er meðalkostnaður?\\\",\\\"q14Answer\\\":\\\"Meðalkostnaður er reiknaður út frá meðalnotkun kWst raforku á ári. Þeirri tölu er deilt í 12 til að finna út meðalnotkun á mánuði. Það er svo margfaldað með verði kWst frá viðkomandi raforkusala og seðilgjöldum er síðan bætt við. Formúlan lítur þá svona út:\\\\n\\\\n(5000 / 12) + Kjaraverð + seðilgjöld\\\"}},\\\"CarLoansCalculator\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Bílalánareiknivél\\\",\\\"description\\\":\\\"Með Bílalánareiknivél getur þú slegið inn verð á bíl, útborgun og lánstíma til að finna besta bílalánið fyrir þig.\\\"},\\\"headline\\\":\\\"Bílalánareiknivél\\\",\\\"title\\\":\\\"Finndu \\u003cspan\\u003ehagstæðustu bílalánin\\u003c/span\\u003e fyrir þig\\\",\\\"subtitle\\\":\\\"Með Bílalánareiknivél getur þú slegið inn verð á bíl, útborgun og lánstíma til að finna besta bílalánið fyrir þig. Leitaðu að bílaláni sem hentar þínum þörfum.\\\",\\\"point1\\\":\\\"Rafmagns bíl\\\",\\\"point2\\\":\\\"Umhverfisvænan bíl\\\",\\\"point3\\\":\\\"Bensín/Dísel bíl\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"howItWorks\\\":\\\"Hvernig virkar Bílalánareiknivélin?\\\",\\\"howTo1Strong\\\":\\\"Fylltu inn forsendur:\\\",\\\"howTo1Text\\\":\\\"Sláðu inn verð bílsins, þína útborgun og lánstíma. Veldu einnig hvort bíllinn sé rafmagnsbíll, umhverfisvænn eða bensín/dísil.\\\",\\\"howTo2Strong\\\":\\\"Berðu saman öll bílalán:\\\",\\\"howTo2Text\\\":\\\"Bílalánareiknivél Aurbjargar reiknar út lánsfjárhæðina og birtir þér niðurstöður frá öllum helstu lánveitendum.\\\",\\\"howTo3Strong\\\":\\\"Sparaðu peninga:\\\",\\\"howTo3Text\\\":\\\"Veldu hagstæðasta bílalánið fyrir þig - og til hamingju með nýja bílinn!\\\",\\\"faq\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"first\\\":{\\\"question\\\":\\\"Hver er munurinn á bílasamningi og bílaláni?\\\",\\\"answer\\\":\\\"Munurinn á bílasamningi og bílaláni er sá að bílalán er tekið með veði í bifreið sem þú ert eigandi að (veðskuldabréf) en bílasamningur er fjármögnunarleið sem felst í því að fjármögnunarfyrirtækið er eigandi bifreiðarinnar en þú umráðamaður og skattalegur eigandi á lánstímanum. Eftir að lánstíma lýkur og lánið eru uppgreitt er veðinu aflétt af bifreiðinni þegar um bílalán er að ræða en þegar um bílasamning er að ræða þá eru eignaréttindin færð yfir á umráðamanninn.\\\"},\\\"second\\\":{\\\"question\\\":\\\"Hvaða lánveitendur bjóða upp á bílalán?\\\",\\\"answer\\\":\\\"Arion, Ergo, Landsbankinn, Lykill bjóða allir upp á bílalán.\\\"},\\\"third\\\":{\\\"question\\\":\\\"Hvaða lánveitendur bjóða upp á bílasamning?\\\",\\\"answer\\\":\\\"Arion, Ergo, Landsbankinn, Lykill bjóða allir upp á bílasamning.\\\"},\\\"fourth\\\":{\\\"question\\\":\\\"Þarf að fara í greiðslumat þegar sótt er um bílalán?\\\",\\\"answer\\\":\\\"Hjá Arion banka eru lánsupphæðamörk fyrir greiðslumat 2.700.000,- kr fyrir einstaklinga og 5.400.000,- kr fyrir hjón eða sambúðafólk.\\\\n\\\\nHjá Ergo eru lánsupphæðamörkin fyrir greiðslumat 2.800.000,- fyrir einstaklinga og 5.650.000,- fyrir hjón eða sambúðafólk.\\\\n\\\\nHjá Landsbankanum eru lánsupphæðamörk fyrir greiðslumat 2.900.000,- kr og 5.800.000,- kr fyrir hjón eða sambúðafólk.\\\\n\\\\nHjá Lykli eru lánsupphæðamörk fyrir greiðslumat 2.918.112,,- kr fyrir einstaklinga og 5.836,224,- kr fyrir hjón eða sambúðafólk.\\\\n\\\\nGott er að spyrja hvort lánskostnaður hækki lánsupphæðamörk yfir greiðslumatsupphæð.\\\"},\\\"fifth\\\":{\\\"question\\\":\\\"Er aðeins lánað fyrir bílum með bílaláni?\\\",\\\"answer\\\":\\\"Nei, það er einnig hægt að taka bílalán fyrir öðrum ökutækjum á borð við mótorhjóli, fjórhjóli, vélsleða, húsbíl eða hjólhýsi.\\\"}}},\\\"ShortTermLoans\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Skammtímalánareiknivél\\\",\\\"description\\\":\\\"Með Skammtímalánareiknivél getur þú auðveldlega fundið besta skammtímalánið sem uppfyllir þínar þarfir. Sláðu inn þá upphæð sem þú vilt fá að láni og lánstímann sem hentar þér best. Skammtímalánareiknivélin ber þá saman lánskjör frá helstu lánveitendum og birtir þér með einföldum hætti.\\\"},\\\"header\\\":{\\\"title\\\":\\\"Finndu \\u003cspan\\u003eréttu lánin\\u003c/span\\u003e fyrir þig\\\",\\\"productName\\\":\\\"Skammtímalánareiknivél\\\",\\\"subtitle\\\":\\\"Með skammtímalánareiknivél getur þú auðveldlega fundið besta skammtímalánið sem uppfyllir þínar þarfir. Sláðu inn þá upphæð sem þú vilt fá að láni og lánstímann sem hentar þér best. Skammtímalánareiknivélin ber þá saman lánskjör frá helstu lánveitendum og birtir þér með einföldum hætti.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\"},\\\"headline\\\":\\\"Skammtímalánareiknivél\\\",\\\"whatIsTitle\\\":\\\"Hvernig virkar Skammtímalánareiknivélin?\\\",\\\"whatIs1Headline\\\":\\\"Fylltu inn forsendur\\\",\\\"whatIs1\\\":\\\"Sláðu inn þá upphæð sem þú vilt fá að láni, ásamt lánstímanum sem hentar þér best.\\\",\\\"whatIs2Headline\\\":\\\"Berðu saman lánskjör\\\",\\\"whatIs2\\\":\\\"Skammtímalánareiknivél Aurbjargar reiknar út og birtir þér niðurstöður frá lánveitendum.\\\",\\\"whatIs3Headline\\\":\\\"Veldu það hagstæðasta fyrir þig\\\",\\\"whatIs3\\\":\\\"Það geta verið allskonar ástæður fyrir því að fá sér skammtímalán eins og óvænt útgjöld eða bráðabirgðafjármögnun, svo það er mikilvægt að velja hagstæðasta lánið fyrir þig!\\\",\\\"faq\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"first\\\":{\\\"question\\\":\\\"Þarf að fara í greiðslumat til að taka skammtímalán?\\\",\\\"answer\\\":\\\"Ef lánsfjárhæð er hærri en 2.450.000 hjá einstaklingi þá þarf að gangast undir greiðslumat. Ef lánsfjárhæð er hærri en 4.900.000 hjá hjónum þá þarf að gangast undir greiðslumat.\\\"},\\\"second\\\":{\\\"question\\\":\\\"Eru aðrir lánamöguleikar en eru taldir eru upp hér að ofan?\\\",\\\"answer\\\":\\\"$74\\\"}}},\\\"FinancialOverview\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Yfirlit fjármála\\\",\\\"description\\\":\\\"Hjá Aurbjörgu færðu betri upplýsingar til að taka betri ákvarðanir í fjármálunum þínum. Þú færð yfirlit yfir eignir, skuldir, tekjur og gjöld. Þú getur líka fylgst með verðmæti fasteigna og ökutækja.\\\"},\\\"header\\\":{\\\"productName\\\":\\\"Yfirlit fjármála\\\",\\\"title\\\":\\\"Viltu góða yfirsýn \\u003cspan\\u003eyfir fjármálin þín?\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Hjá Aurbjörgu færðu betri upplýsingar til að taka betri ákvarðanir í fjármálunum þínum. Þú færð yfirlit yfir eignir, skuldir, tekjur og gjöld. Þú getur líka fylgst með verðmæti fasteigna og ökutækja.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\"},\\\"whatIs\\\":{\\\"title\\\":\\\"Stjórnborð Aurbjargar\\\",\\\"text\\\":\\\"Á Aurbjörgu færðu fullkomið yfirlit yfir öll þín fjármál á einum stað. Þar getur þú séð:\\\",\\\"point1Strong\\\":\\\"Eignir:\\\",\\\"point1Text\\\":\\\"Skoðaðu yfirlit yfir þínar fasteignir, ökutæki og aðrar eignir.\\\",\\\"point2Strong\\\":\\\"Skuldir:\\\",\\\"point2Text\\\":\\\"Fáðu heildarsýn yfir öll þín lán, þar á meðal fasteignalán og ökutækjalán.\\\",\\\"point3Strong\\\":\\\"Tekjur og gjöld:\\\",\\\"point3Text\\\":\\\"Sjáðu hvernig peningarnir þínir streyma inn og út á einfaldan og skýran hátt.\\\"},\\\"verdmat\\\":\\\"Verðmat\\\",\\\"verdmatText\\\":\\\"Með rafrænu verðmati færðu skýrslu sem birtir áætlað markaðsvirði eignar ásamt ítarlegum söluupplýsingum á sambærilegum eignum sem hjálpa þér kaup eða sölu á fasteign. Þú færð uppfært verðmat í hverjum mánuði á þinni skráðu eign ef þú ert áskrifandi. Með áskrift fylgja einnig 3 fríar uppflettingar á verðmati fyrir hvaða fasteign sem er.\\\",\\\"overview\\\":\\\"Yfirlit yfir eignir og skuldir\\\",\\\"overviewText\\\":\\\"Í yfirlitinu yfir eignir og skuldir færðu skýra mynd af stöðu fjármála þinna. Hér getur þú séð yfirlit yfir eignir eins og fasteignir, ökutæki, verðbréf og bankareikninga. Auk þess birtist heildarupphæð skulda þinna, hvort sem það eru fasteignalán, ökutækjalán eða önnur lán. Þessi samantekt hjálpar þér að fá betri heildarsýn yfir fjármál þín, svo þú getir tekið upplýstar ákvarðanir um næstu skref.\\\",\\\"benefits\\\":\\\"Af hverju áskrift að Aurbjörgu?\\\",\\\"benefitsOverviewText\\\":\\\"Þú færð heildaryfirlit fjármálanna þinna:\\\",\\\"benefitsOverviewStrong\\\":\\\"Eignir, skuldir, tekjur og gjöld\\\",\\\"benefitsOverviewText1\\\":\\\"á einum stað.\\\",\\\"benefitsCalcText\\\":\\\"Aðgangur að reiknivélum: Nýttu þér\\\",\\\"benefitsCalcStrong\\\":\\\"Húsnæðislánareiknivél, Skammtímalánareiknivél, og Bílalánareiknivéli\\\",\\\"benefitsCalcText1\\\":\\\"til að bera saman lánskjör og finna hagstæðustu valkostina.\\\",\\\"benefitsVerdmatStrong\\\":\\\"Verðmat:\\\",\\\"benefitsVerdmatText\\\":\\\"Fylgstu með markaðsvirði heimilisins þíns og 3 fríar uppflettingar á verðmati fyrir hvaða fasteign sem er.\\\",\\\"benefitsMonitoringText\\\":\\\"Aðgang að\\\",\\\"benefitsMonitoringStrong\\\":\\\"Lánskjaravakt\\\",\\\"benefitsMonitoringText1\\\":\\\"sem vaktar betri kjör á þínum lánum.\\\",\\\"dontMiss\\\":\\\"Ekki missa af tækifærinu til að spara peninga!\\\",\\\"benefitsTitle2\\\":\\\"Vertu með og sparaðu í dag!\\\",\\\"benefitsText\\\":\\\"Skráðu þig í grunnáskrift Aurbjargar núna og hafðu öll þín fjármál á einum stað til að taka upplýstari og betri ákvarðanir.\\\",\\\"clickToSubscribe\\\":\\\"Komdu í áskrift\\\",\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvað er “Yfirlit fjármála” hjá Aurbjörgu?\\\",\\\"q1Answer\\\":\\\"Yfirlit fjármála er þjónusta hjá Aurbjörgu sem veitir þér fullkomna yfirsýn yfir fjármálin þín á einum stað. Þú getur fylgst með eignum, skuldum, tekjum og gjöldum, ásamt verðmæti fasteigna og ökkutækja.\\\",\\\"q2\\\":\\\"Hvernig hjálpar Yfirlit fjármála mér að stjórna fjármálunum mínum?\\\",\\\"q2Answer\\\":\\\"Yfirlit fjármála veitir þér betri yfirsýn yfir fjármálastöðuna þína og hjálpar þér að taka upplýstari ákvarðanir. Með því að hafa allar upplýsingar á einum stað getur þú auðveldlega greint hvað þú átt, hvað þú skuldar og hvernig peningarnir þínir eru nýttir.\\\",\\\"q3\\\":\\\"Hvernig virkar Yfirlit fjármála fyrir fasteignir og ökutæki?\\\",\\\"q3Answer\\\":\\\"Þú getur skráð fasteignir þínar og ökutæki í Aurbjörgu til að fylgjast með verðmæti þeirra. Þetta hjálpar þér að hafa alltaf uppfærðar upplýsingar um þessi verðmæti og sjá hvernig þau breytast yfir tíma.\\\",\\\"q4\\\":\\\"Get ég tengt bankareikninga við Yfirlit fjármála?\\\",\\\"q4Answer\\\":\\\"Já, þú getur tengt bankareikninga við Yfirlit fjármála. Þetta gerir þér kleift að sjá peningaflæðið inn og út af reikningnum þínum.\\\",\\\"q5\\\":\\\"Hvernig get ég fengið yfirlit yfir mín fjármál?\\\",\\\"q5Answer\\\":\\\"Þú getur fengið yfirlit yfir þín fjármál með því að næla þér í áskrift á vefsíðu Aurbjargar. Mánaðaráskrift hjá Aurbjörgu kostar 1.490 kr. á mánuði. Ársáskrift hjá Aurbjörgu kostar 998 kr. á mánuði og er áskriftin greidd árlega 11.990 kr.\\\",\\\"q6\\\":\\\"Hver er ávinningurinn af því að hafa allar fjármálaupplýsingar á einum stað\\\",\\\"q6Answer\\\":\\\"Að hafa allar fjármálaupplýsingar á einum stað gerir þér kleift að sjá heildarmyndina af fjármálunum þínum. Það auðveldar þér að greina stöðuna, bera saman tekjur og gjöld, sjá hvernig eignir og skuldir þróast, og taka upplýstar ákvarðanir sem leiða til betri fjármálastjórnunar.\\\"}},\\\"CarInspection\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Bifreiðaskoðun - Aurbjörg\\\",\\\"description\\\":\\\"Samanburður á bifreiðaskoðun fyrir bíla undir 3,5 tonnum\\\"},\\\"header\\\":{\\\"title\\\":\\\"Samanburður á \\u003cspan\\u003ebifreiðaskoðun\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Samanburður á bifreiðaskoðun fyrir bíla undir 3,5 tonnum\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\"},\\\"findLowestPrice\\\":\\\"Finndu lægsta verðið\\\",\\\"table\\\":{\\\"Bifreið léttari en 3500 kg\\\":\\\"Bifreið léttari en 3500 kg\\\",\\\"Bifreið 3500 - 7500 kg\\\":\\\"Bifreið 3500 - 7500 kg\\\",\\\"Bifreið þyngri en 7500 kg\\\":\\\"Bifreið þyngri en 7500 kg\\\",\\\"Ferðavagn léttari en 750 kg\\\":\\\"Ferðavagn léttari en 750 kg\\\",\\\"Ferðavagn þyngri en 750 kg\\\":\\\"Ferðavagn þyngri en 750 kg\\\",\\\"Bifhjól\\\":\\\"Bifhjól\\\",\\\"Létt bifhjól\\\":\\\"Létt bifhjól\\\"},\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvernig veit ég hvenær minn bíll á að fara í skoðun?\\\",\\\"q1Answer\\\":\\\"Skoðunarmánuður ökutækis er ákvarðaður út frá síðasta tölustaf á númeraplötu ökutækisins. Einnig er límmiði á númeraplötunni sem gefur til kynna næsta skoðunarár. Til dæmis, ef síðasti tölustafurinn er 5, ætti bíllinn að fara í skoðun í maí, þar sem það er fimmti mánuður ársins á því skoðunarári sem gefið er upp á númeraplötunni. Ef skráningarnúmerið endar á 0, ætti skoðunin að fara fram í október. Ef ökutæki er með einkanúmer sem endar á bókstaf, skal bíllinn skoðaður í maí, en ef einkanúmerið endar á tölustaf, þá ákvarðar sá tölustafur skoðunarmánuðinn. Fornökutæki, húsbifreiðar, ferðavagna og öll bifhjól hafa skoðunarmánuðinn maí á tilgreindu skoðunarári.\\\",\\\"q2\\\":\\\"Hvað gerist ef ég fer ekki í skoðun í þeim mánuði sem ég á að fara í.\\\",\\\"q2Answer\\\":\\\"Skoðun má tefjast um tvo mánuði frá tilgreinum skoðunarmánuði á skoðunarári. Ef ekki er farið með bíl í skoðun innan þess tíma leggst vanrækslugjald á eiganda ökutækis sem er 20.000kr. Ef ökutækið er hópbifreið, vörubifreið eða eftirvagn leggst 40.000kr vanrækslugjald á eiganda.\\\",\\\"q3\\\":\\\"Hvað gerist ef bíllinn stenst ekki árlega skoðun?\\\",\\\"q3Answer\\\":\\\"\\u003cp\\u003eEftir skoðun færðu skoðunarvottorð sem staðfestir niðurstöðu skoðunar. Niðurstöðurnar geta verið:\\u003c/p\\u003e\\u003cul\\u003e\\u003cli\\u003eÁn athugasemda: Ökutæki uppfyllir lágmarkskröfur stjórnvalda um ástand ökutækis\\u003c/li\\u003e\\u003cli\\u003eLagfæring: Lagfæra þarf athugasemdir innan 30 daga\\u003c/li\\u003e\\u003cli\\u003eEndurskoðun: Lagfæra þarf athugasemdir strax og mæta í endurskoðun\\u003c/li\\u003e\\u003cli\\u003eAkstursbann: Ökutæki má ekki nota þar til vandamál eru leyst\\u003c/li\\u003e\\u003c/ul\\u003e\\\",\\\"q4\\\":\\\"Hvað kostar árleg skoðun á bílnum mínum?\\\",\\\"q4Answer\\\":\\\"Í samanburðatöflunni hér að ofan getur þú séð verð hjá helstu skoðunarfyrirtækjum á Íslandi. Verðið er breytilegt eftir þyngd ökutækis.\\\"}},\\\"PropertyMonitoring\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Eignavakt - Hvernig finn ég draumaeignina mína?\\\",\\\"description\\\":\\\"Eignavakt Aurbjargar finnur draumaeignina þína út frá þinni mánaðarlegu greiðslugetu, þínum sparnaði og þínu eigið fé í núverandi fasteign.\\\"},\\\"header\\\":{\\\"productName\\\":\\\"Eignavakt\\\",\\\"title\\\":\\\"Viltu finna \\u003cspan\\u003edraumaeignina\\u003c/span\\u003e þína?\\\",\\\"subtitle\\\":\\\"Með Eignavakt Aurbjargar finnur þú eignir sem henta þínum fjárhag og leitarskilyrðum. Þú getur vaktað eignir, fengið tilkynningar, borið saman, fengið verðmat og gert tilboð í þína draumaeign.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\"},\\\"whatIs\\\":{\\\"headline\\\":\\\"Hvað er Eignavaktin?\\\",\\\"description\\\":\\\"Leitaðu að fasteign sem þú hefur efni á. Eignavakt Aurbjargar er þjónusta sem finnur fasteignir sem þú hefur efni á, út frá þinni greiðslugetu og þínu eigið fé. Þú setur inn leitarskilyrði og við fylgjumst með fasteignamarkaðnum fyrir þig og látum þig vita þegar drauma tækifærið birtist. Eignavakt er hluti af áskrift Aurbjargar.\\\"},\\\"savedSearches\\\":{\\\"headline\\\":\\\"Vistaðu leitir og vaktaðu eignir\\\",\\\"description\\\":\\\"Þú setur inn leitarskilyrði og við fylgjumst með fasteignamarkaðnum fyrir þig og látum þig vita þegar drauma tækifærið birtist. Svo þegar þú hefur fundið eign sem þér líst vel á getur þú sett hana í vöktun og við fylgjumst með verðbreytingum, söluverði og öðrum hreyfingum.\\\"},\\\"paymentPower\\\":{\\\"headline\\\":\\\"Greiðslumat Aurbjargar\\\",\\\"description\\\":\\\"Við reiknum út greiðslugetu þína með léttu greiðslumati þar sem þú fyllir inn þínar forsendur, þinn sparnað og eigið fé í eign. Greiðslumatið tekur mið af reglum Seðlabanka Íslands um hámarks greiðslubyrði. Þú sérð svo hver kaupgeta þín er, lánsgeta og greiðslubyrði á húsnæðisláni á mánuði.\\\",\\\"cta\\\":\\\"Taktu greiðslumat Aurbjargar\\\"},\\\"evaluation\\\":{\\\"headline\\\":\\\"Fáðu verðmat á eignum\\\",\\\"description\\\":\\\"Þú getur sótt verðmat á hvaða eign sem er með áskrift að Aurbjörgu. Í hverjum mánuði færð þú þrjár verðmatsskýrslur sem þú getur nýtt til að sjá hvort ásett verð sé yfir eða undir áætluðu markaðsvirði. Það getur verið gagnlegt áður en þú gerir tilboð í draumaeignina.\\\"},\\\"offers\\\":{\\\"headline\\\":\\\"Gerðu tilboð eða sendu fyrirspurn\\\",\\\"description\\\":\\\"Þú getur gert tilboð í fasteign með einföldum og gagnsæjum hætti í gegnum Eignavaktina. Þetta sparar bæði tíma og fyrirhöfn, og dregur úr núningi í fasteignaviðskiptum. Þó tilboðið sé ekki bindandi á þessu stigi fer það áfram til fasteignasala sem útbýr formlegt tilboð. Þú getur jafnframt hakað við ef þú hefur áhuga á að selja eigin fasteign, svo fasteignasalinn geti tekið það inn í samtalið samhliða kaupferlinu.\\\",\\\"cta\\\":\\\"Gerðu tilboð í þína draumaeign\\\"},\\\"hms\\\":{\\\"headline\\\":\\\"Eignir með Hlutdeildarláni (HMS)\\\",\\\"description\\\":\\\"Með Eignavakt Aurbjargar getur þú skoðað eignir sem bjóða upp á Hlutdeildarlán, en Hlutdeildarlán er veitt til fyrstu kaupenda eða þeirra sem hafa ekki átt íbúð síðustu 5 ár. Þau eru ólík öðrum lánum þar sem ekki eru mánaðarlegar greiðslur né vextir heldur greiðir þú lánið til baka eftir 10 ár eða þegar þú selur íbúðina.\\\"}},\\\"PropertyWatch\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Settu hvaða eign sem er í vöktun\\\",\\\"description\\\":\\\"Með Eignavakt Aurbjargar getur þú sett hvaða eign sem er í vöktun og fylgst með verðbreytingum, söluhreyfingum ásamt því að sjá verð og auglýsingasögu eignarinnar.\\\"},\\\"header\\\":{\\\"productName\\\":\\\"Eignavakt\\\",\\\"title\\\":\\\"\\u003cspan\\u003eSettu\\u003c/span\\u003e hvaða eign sem er \\u003cspan\\u003eí vöktun\\u003c/span\\u003e\\\",\\\"description\\\":\\\"Með Eignavakt Aurbjargar getur þú sett hvaða eign sem er í vöktun og fylgst með verðbreytingum, söluhreyfingum ásamt því að sjá verð og auglýsingasögu eignarinnar.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\"},\\\"stayTuned\\\":{\\\"headline\\\":\\\"Fylgstu með þegar drauma húsið kemur á sölu\\\",\\\"description\\\":\\\" Stundum vill maður bara þetta ákveðna hús en það er ekki til sölu. Þú getur sett eignina í vöktun og við fylgjumst með þegar hún kemur á sölu.\\\"},\\\"preview\\\":{\\\"headline\\\":\\\"Sjáðu allar verðbreytingar á eigninni\\\",\\\"description\\\":\\\"Vöktun fylgist með öllum verðbreytingum en þú getur einnig séð alla verðsöguna aftur í tímann. Þar sérðu hvernig ásett verð, fermetraverð og söluskráningin sjálf þróast.\\\"},\\\"grid\\\":{\\\"one\\\":{\\\"headline\\\":\\\"Finnst þér eignin of dýr? Hún gæti lækkað í verði\\\",\\\"description\\\":\\\"Hefur þú áhuga á íbúð sem er til sölu en verðið er aðeins of hátt? Settu hana í vöktun og sjáðu hvort verðið fari niður áður en þú hefur samband við fasteignasala.\\\"},\\\"two\\\":{\\\"headline\\\":\\\"Ertu forvitinn um á hvað eignin selst?\\\",\\\"description\\\":\\\"Þegar þú setur eign í vöktun sérð þú alla verðþróun en einnig sérðu alla kaupsamninga. Þannig getur þú fylgst með öllu ferlinu frá skráningu á sölu, verðbreytingum og að lokum kaupverði.\\\"}}},\\\"BankAccounts\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Samanburður á bankareikningum - Aurbjörg\\\",\\\"description\\\":\\\"Sparnaður er mikilvægur og reglulegur sparnaður getur hjálpað þér að safna fyrir bíl, íbúð, ferðalögum og fleiru.\\\"},\\\"headline\\\":\\\"Bankareikningar\\\",\\\"header\\\":{\\\"title\\\":\\\"Samanburður á \\u003cspan\\u003ebankareikningum\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Sparnaður er mikilvægur og reglulegur sparnaður getur hjálpað þér að safna fyrir bíl, íbúð, ferðalögum og fleiru.\\\",\\\"subscribe\\\":\\\"Komdu í áskrift\\\"},\\\"cta\\\":{\\\"text\\\":\\\"Fjármálalausn sem sparar þér tíma og peninga\\\",\\\"li1\\\":\\\"Fáðu bestu vaxtakjörin sem eru í boði á markaðnum hverju sinni.\\\",\\\"li2\\\":\\\"Hvað kostar fasteignin mín?\\\",\\\"li3\\\":\\\"Ný lán geta verið hagstæðari og betri en núverandi lán á vissum tímapunkti.\\\"},\\\"companyPage\\\":{\\\"title\\\":\\\"sparnaður\\\"},\\\"table\\\":{\\\"name\\\":\\\"Nafn reiknings\\\",\\\"rate\\\":\\\"Vextir\\\",\\\"bindingTime\\\":\\\"Binditími\\\",\\\"create\\\":\\\"Stofna\\\"},\\\"qaHeadline\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"q1\\\":\\\"Hvernig get ég fundið besta sparnaðarreikninginn fyrir mínar þarfir?\\\",\\\"q1Answer\\\":\\\"Til að finna sparnaðarreikning sem hentar þínum þörfum er mikilvægt að hafa ýmsa þætti í huga. Byrjaðu á að ákveða hvort sparnaðurinn sé ætlaður til skamms eða langs tíma. Ertu að spara fyrir ákveðnu markmiði á næstunni, eða ertu að byggja upp í langtíma sparnað? Skammtíma sparnaður krefst yfirleitt sveigjanlegs reiknings með stuttum binditíma, en ef þú hyggst spara til lengri tíma getur reikningur með lengri binditíma boðið upp á hærri vexti.\\\",\\\"q1Answer2\\\":\\\"Þá er gott að íhuga hvort þú viljir velja verðtryggðan eða óverðtryggðan reikning. Verðtryggðir reikningar vernda sparnaðinn gegn verðbólgu, á meðan óverðtryggðir reikningar fylgja vaxtastigi markaðarins. Loks er mikilvægt að bera saman vaxtaprósentu sparnaðarreikninga. Háir vextir skipta miklu máli ef þú vilt hámarka ávöxtunina, sérstaklega ef sparnaðurinn er hugsaður til langs tíma.\\\",\\\"q2\\\":\\\"Hvað þýðir binditími á sparnaðarreikningi?\\\",\\\"q2Answer\\\":\\\"Binditími á sparnaðarreikningi vísar til þess tímabils sem þú skuldbindur þig til að láta peningana vera á reikningnum án þess að taka þá út. Á þessu tímabili hefur þú engan aðgang að innistæðunni. Binditími getur verið frá nokkrum dögum upp í nokkur ár, allt eftir skilmálum reikningsins.\\\",\\\"q3\\\":\\\"Er vaxtaprósenta föst eða breytileg á þessum reikningum?\\\",\\\"q3Answer\\\":\\\"Í samanburðatöflunni sérð þú hvort viðeignandi bankareikningur sé með binditíma eða ekki.\\\",\\\"q4\\\":\\\"Hvernig er reiknaðir vextir á óbundnum reikningum?\\\",\\\"q4Answer\\\":\\\"Á óbundnum reikningum er mismunandi hvort áfallnir vextir eru greiddir mánaðarlega eða árlega. Ef vextir eru greiddir árlega, færð þú vaxtatekjur greiddar einu sinni á ári. Ef vextir eru greiddir mánaðarlega, færð þú vaxtatekjur í hverjum mánuði.\\\",\\\"q5\\\":\\\"Er hægt að opna bankareikning hjá fleiri en einum banka?\\\",\\\"q5Answer\\\":\\\"Já það er hægt að opna bankareikninga hjá fleiri en einum banka. Það er algengt að fólk hafi reikninga í mismunandi bönkum eftir því sem hentar hverju sinni.\\\",\\\"q6\\\":\\\"Get ég skipt um bankareikning ef ég finn betri kjör annars staðar?\\\",\\\"q6Answer\\\":\\\"Já, þú getur skipt um bankareikning ef þú finnur betri kjör annars staðar. Það er algjörlega leyfilegt og í raun algengt að fólk færi fjármál sín á milli banka til að nýta sér betri vexti, þjónustugjöld eða aðra kosti. Ef þú ert með bundinn sparnaðarreikning er hins vegar ekki hægt að flytja hann yfir í annan banka fyrr en að binditíma loknum.\\\",\\\"q7\\\":\\\"Hvað þýðir það að reikningur sé verðtryggður?\\\",\\\"q7Answer\\\":\\\"Að reikningur sé verðtryggður þýðir það að innistæða hans er tengd við verðbólgu. Verðtrygging er notuð til að verja kaupmátt fjármagns gegn verðbólgu, sem þýðir að þegar verðlag hækkar, hækkar innistaðan í samræmi við það.\\\"}},\\\"Footer\\\":{\\\"headline\\\":\\\"Aurbjörg finnur tækifæri í fjármálum heimilisins\\\",\\\"letAurbjorgDoIt\\\":\\\"Láttu Aurbjörgu standa vaktina og hjálpa þér að taka betri ákvarðanir í fjármálum.\\\",\\\"subscribe\\\":\\\"Gerast áskrifandi\\\",\\\"goal\\\":\\\"Markmið Aurbjargar er að auka fjármálalæsi, auka gagnsæi og aðstoða þig við að taka upplýstari og betri ákvarðanir í fjármálum.\\\",\\\"aboutUs\\\":\\\"Um Aurbjörgu\\\",\\\"blog\\\":\\\"Bloggið\\\",\\\"terms\\\":\\\"Skilmálar Aurbjargar\\\",\\\"privacyPolicy\\\":\\\"Persónuverndarstefna\\\",\\\"disclaimer\\\":\\\"Lagalegur fyrirvari\\\",\\\"cookies\\\":\\\"Stillingar á vefkökum\\\",\\\"contactUs\\\":\\\"Hafa samband\\\",\\\"ideas\\\":\\\"Ertu með ábendingu?\\\",\\\"plans\\\":\\\"Verð\\\",\\\"businessPlans\\\":\\\"Fyrirtækjapakki\\\",\\\"giftCards\\\":\\\"Gjafabréf\\\"},\\\"Telecommunications\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Pakkar - samanburður á fjarskiptum\\\",\\\"description\\\":\\\"Oft er bæði þægilegra og hagstæðara að hafa alla hluti á einum stað. Hér má sjá hvaða pakkar eru í boði fyrir heimilið þitt.\\\"},\\\"header\\\":{\\\"product\\\":\\\"Samanburður á fjarskiptum\\\",\\\"title\\\":\\\"Samanburður á \\u003cspan\\u003efjarskiptum\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Aurbjörg ber saman þjónustu helstu fjarskiptafyrirtækja á Íslandi. Við færum þér upplýsingar um verðsamanburð á farsímaáskriftum, neti og heimasíma, frelsi og pökkum. Við sækjum gögn til fjarskiptafyrirtækja daglega og erum því alltaf með puttann á púlsinum.\\\"},\\\"table\\\":{\\\"company\\\":\\\"Fyrirtæki\\\",\\\"subscription\\\":\\\"Áskriftarleið\\\",\\\"mobilePhones\\\":\\\"Fjöldi farsíma\\\",\\\"internet\\\":\\\"Internet\\\",\\\"tv\\\":\\\"Sjónvarp\\\",\\\"totalPrice\\\":\\\"Heildarverð\\\",\\\"otherBenefits\\\":\\\"Önnur fríðindi\\\",\\\"kidsSubscriptions\\\":\\\"Krakkaáskriftir\\\",\\\"phoneBenefits\\\":\\\"Farsímafríðindi\\\",\\\"tvReceiverFees\\\":\\\"Myndlykill\\\",\\\"homePhone\\\":\\\"Heimasími\\\",\\\"router\\\":\\\"Router\\\",\\\"routerFees\\\":\\\"Netbeinir\\\",\\\"accessFees\\\":\\\"Aðgangsgjald\\\",\\\"notIncluded\\\":\\\"Ekki innifalið\\\",\\\"included\\\":\\\"Innifalið\\\",\\\"notAvailable\\\":\\\"Ekki í boði\\\",\\\"tvSubscription\\\":\\\"Sjónvarpsáskrift\\\",\\\"minutesCount\\\":\\\"Mínútufjöldi\\\",\\\"unlimited\\\":\\\"Ótakmarkað\\\",\\\"extraMinutesFees\\\":\\\"Auka mínútugjöld\\\",\\\"smsCount\\\":\\\"Sms fjöldi\\\",\\\"extraSmsFees\\\":\\\"Sms auka gjald\\\",\\\"roaming\\\":\\\"Reiki\\\",\\\"extraDataFees\\\":\\\"Umframgjald yfir gagnamagn\\\",\\\"broadbandType\\\":\\\"Breiðbandstýpa\\\",\\\"connectionType\\\":\\\"Breiðbandstýpa\\\",\\\"mobileDataCap\\\":\\\"Gagnamagn\\\",\\\"validityPeriod\\\":\\\"Rennur út\\\",\\\"price\\\":\\\"Verð\\\",\\\"includedMinutesToFixed\\\":\\\"Heimasími\\\",\\\"includedMinutesToMobile\\\":\\\"Farsími\\\",\\\"initialFeesToFixed\\\":\\\"Heimasími upphafsgjald\\\",\\\"billingMinimum\\\":\\\"Grunngjald\\\",\\\"billingIncrement\\\":\\\"Rukkun umfram grunngjald\\\",\\\"seconds\\\":\\\"sek.\\\",\\\"minutes\\\":\\\"mín.\\\",\\\"minMan\\\":\\\"mín/mán.\\\",\\\"more\\\":\\\"Nánar\\\",\\\"notApplicable\\\":\\\"Á ekki við\\\",\\\"minutedPerMonth\\\":\\\"Mínútur á mán\\\",\\\"withInternetSubscription\\\":\\\"Sjónvarpsáskrift\\\",\\\"yes\\\":\\\"Já\\\",\\\"no\\\":\\\"Nei\\\"},\\\"packages\\\":{\\\"title\\\":\\\"Pakkar\\\",\\\"subtitle\\\":\\\"Oft er bæði þægilegra og hagstæðara að hafa alla hluti á einum stað. Hér má sjá hvaða pakkar eru í boði fyrir heimilið þitt.\\\",\\\"meta\\\":{\\\"title\\\":\\\"Pakkar - samanburður á fjarskiptum\\\",\\\"description\\\":\\\"\\\"}},\\\"homePhoneSubscription\\\":{\\\"title\\\":\\\"Heimasímar\\\",\\\"subtitle\\\":\\\"\\\",\\\"meta\\\":{\\\"title\\\":\\\"Heimasímar - samanburður á fjarskiptum\\\",\\\"description\\\":\\\"\\\"}},\\\"internetSubscription\\\":{\\\"title\\\":\\\"Heimanet\\\",\\\"subtitle\\\":\\\"\\\",\\\"meta\\\":{\\\"title\\\":\\\"Heimanet - samanburður á fjarskiptum\\\",\\\"description\\\":\\\"\\\"}},\\\"mobileSubscription\\\":{\\\"title\\\":\\\"Farsímaáskriftir\\\",\\\"subtitle\\\":\\\"\\\",\\\"meta\\\":{\\\"title\\\":\\\"Farsímaáskriftir - samanburður á fjarskiptum\\\",\\\"description\\\":\\\"\\\"}},\\\"mobilePayAsYouGo\\\":{\\\"title\\\":\\\"Frelsi\\\",\\\"subtitle\\\":\\\"\\\",\\\"meta\\\":{\\\"title\\\":\\\"Frelsi - samanburður á fjarskiptum\\\",\\\"description\\\":\\\"\\\"}}},\\\"Valuation\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Verðmat fasteigna\\\",\\\"description\\\":\\\"Verðmatið birtir yfirlit yfir síðustu sölur í nágrenni við eignina. Upplýsingar sem koma fram um hverja eign er ásett verð, sölutími og endanlegt söluverð. Skýrslan birtir einnig upplýsingar um eignir sem eru til sölu í dag, ásett verð og tíma í sölu.\\\",\\\"pageDescription\\\":\\\"Verðmat er skýrsla sem birtir áætlað markaðsvirði á\\\"},\\\"header\\\":{\\\"headline\\\":\\\"Verðmat\\\",\\\"h1\\\":\\\"Verðmat\\\",\\\"title\\\":\\\"Hvað kostar \\u003cspan\\u003efasteignin mín?\\u003c/span\\u003e\\\",\\\"subtitle\\\":\\\"Með verðmati Creditinfo getur þú fylgst með hvernig þín fasteign hækkar eða lækkar í verði í hverjum mánuði.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\"},\\\"whatIs\\\":{\\\"title\\\":\\\"Hvers vegna verðmat?\\\",\\\"text\\\":\\\"\\u003cul\\u003e\\u003cli\\u003eÞú getur fylgst með \\u003cstrong\\u003evirði eignarinnar þinnar mánaðarlega.\\u003c/strong\\u003e\\u003c/li\\u003e\\u003cli\\u003eFlett upp og \\u003cstrong\\u003efengið verðmatsskýrslur á þremur\\u003c/strong\\u003e eignum á mánuði. Gaman að skoða þegar þú ert í fasteignahugleiðingum.\\u003c/li\\u003e\\u003cli\\u003e\\u003cstrong\\u003eBorið saman raunvirði við ásett verð\\u003c/strong\\u003e, sem getur reynst afar nytsamlegt þegar þú ert að undirbúa kauptilboð í aðra eign.\\u003c/li\\u003e\\u003c/ul\\u003e\\\"},\\\"getValuation\\\":\\\"Sækja verðmat\\\",\\\"valueOfProperty\\\":\\\"Hvað er sett á þessa eign?\\\",\\\"valueOfPropertyText\\\":\\\"\\u003cul\\u003e\\u003cli\\u003eÍ áskrift færðu 3 uppflettingar á verðmati og færð skýrslu:\\u003cul\\u003e\\u003cli\\u003emeð áætluðu markaðsvirði eignar.\\u003c/li\\u003e\\u003cli\\u003emeð ítarlegum söluupplýsingum á sambærilegum eignum.\\u003c/li\\u003e\\u003cli\\u003estrax í tölvupósti!\\u003c/li\\u003e\\u003c/ul\\u003e\\u003c/li\\u003e\\u003cli\\u003eLestu meira um verðmat Creditinfo \\u003ca\\u003ehér\\u003c/a\\u003e.\\u003c/li\\u003e\\u003c/ul\\u003e\\\",\\\"benefits\\\":\\\"Af hverju verðmat?\\\",\\\"benefits1\\\":\\\"Fáðu uppfært markaðsvirði á þinni fasteign í hverjum mánuði, ásamt skýrslu um sambærilegar eignir.\\\",\\\"benefits2\\\":\\\"Taktu upplýstari ákvarðanir um kaup eða sölu með nákvæmum og skýrum niðurstöðum úr verðmatinu\\\",\\\"benefits3\\\":\\\"Þú getur nýtt þér þrjár fríar uppflettingar á verðmati fyrir hvaða fasteign sem er á Íslandi\\\",\\\"comeSubscribe\\\":\\\"Komdu í áskrift og fáðu betri yfirsýn á fasteignamarkaðnum!\\\",\\\"dontMissOut\\\":\\\"Ekki missa af tækifærinu til að fá áreiðanlegt verðmat á þinni eign.\\\\nSkráðu þig í grunnáskrift Aurbjargar núna og fáðu Verðmats Creditinfo í hverjum mánuði.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"qaTitle\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"qWhereIs\\\":\\\"Hvar er\\\",\\\"qIsIn\\\":\\\"er í\\\",\\\"qSize\\\":\\\"Tegund og stærð húsnæðis?\\\",\\\"qBuilt\\\":\\\"byggt árið\\\",\\\"q1\\\":\\\"Hvað er verðmat?\\\",\\\"q1Answer\\\":\\\"Verðmat er skýrsla sem birtir áætlað markaðsvirði fasteignar ásamt ítarlegum söluupplýsingum á sambærilegum eignum sem eru gagnlegar við ákvörðun um kaup eða sölu á fasteign. Verðmat er í eigu Creditinfo.\\\",\\\"q2\\\":\\\"Er hægt að fá verðmat á allar fasteignir?\\\",\\\"q2Answer\\\":\\\"Nei það er aðeins hægt að fá verðmat á fasteignir sem eru skráðar sem íbúðareignir.\\\",\\\"q3\\\":\\\"Það vantar inn upplýsingar um nýlegan kaupsamning í skýrsluna mína, hvað veldur?\\\",\\\"q3Answer\\\":\\\"Nýjustu kaupsamningar frá Þjóðskrá Íslands berast til okkar í kringum 20. hvers mánaðar fyrir mánuðinn á undan.\\\",\\\"q3Answer2\\\":\\\"Ef það vantar upplýsingar um selda fasteign í skýrsluna þá getur verið að það eigi eftir að ganga frá þinglýstum kaupsamningi um eignina. Ferlið frá því að eign er keypt (undirritað kauptilboð) og þar til kaupsamningur er undirritaður getur verið allt frá 3 til 6 vikur.\\\",\\\"q3Answer3\\\":\\\"Skýrslan uppfærist í 30 daga eftir kaup svo það geta bæst við nýjar upplýsingar á tímabilinu.\\\",\\\"q4\\\":\\\"Hvernig er rafræna verðmatið reiknað út?\\\",\\\"q4Answer\\\":\\\"Rafræna verðmatið byggir á nýjustu kaupsamningum frá Þjóðskrá Íslands og markaðsgögnum frá söluvefjum fasteigna.\\\",\\\"q5\\\":\\\"Hversu nákvæmt er rafræna verðmatið?\\\",\\\"q5Answer\\\":\\\"Rafræna verðmatið er reiknað út frá gögnum og nákvæmni fer eftir umfangi gagna. Á svæðum þar sem mikil sala er á eignum því fleiri gögn eru til og þar sem sala er lítil gildir hið gagnstæða. Því fleiri gögn sem eru tiltæk, því nákvæmari er verðmatið.\\\",\\\"q6\\\":\\\"Af hverju er mismunandi verðbil?\\\",\\\"q6Answer\\\":\\\"Rafræna verðmatið sýnir efri og neðri mörk verðbils sem getur verið mismunandi og fer bæði eftir sögulegum gögnum og fjölda seldra eigna á ákveðnum svæðum. Mikið verðbil gefur til kynna að færri gögn séu tiltæk eða að miklar sveiflur séu á sögulegum gögnum. Lítið verðbil þýðir að við höfum mikið af upplýsingum til að reikna út áætlað virði eignarinnar.\\\",\\\"q7\\\":\\\"Verðmat eignar er of lágt / hátt, af hverju?\\\",\\\"q7Answer\\\":\\\"Verðmatið er áætlun um virði eignar og er góður upphafspunktur að því að finna raunvirði eignar. Rafræna verðmatsskýrslan tekur ekki mið af ástandi eignar og því mælum við alltaf með aðstoð fagmanna í fasteignaviðskiptum.\\\",\\\"q8\\\":\\\"Endurspeglar verðmatið raunvirði fasteignar?\\\",\\\"q8Answer\\\":\\\"Nei, rafræna verðmatið er ekki raunvirði eignar og þú munt ekki getað notað það eitt og sér við verðlagningu á húsnæði. Skýrslan birtir áætlun um verðmæti eignar út frá tölfræði- og markaðsgögnum sem og gervigreind sem bætir sig stöðugt með upplýsingum um hverja selda eign á markaðnum. Sjónskoðun eignar er mikilvægur partur í útreikningi á raunvirði eignar og því mikilvægt að leita til fagaðila þegar kemur að kaupum og sölu fasteigna.\\\"}},\\\"PaymentPower\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Greiðslumat Aurbjargar\\\",\\\"description\\\":\\\"Með léttu greiðslumati Aurbjargar reiknum við þína greiðslugetu út frá þeim forsendum sem þú slærð inn. Þú færð skýra mynd af hámarks kaupgetu, lánsgetu og greiðslubyrði. \\\"},\\\"header\\\":{\\\"section\\\":\\\"Eignavakt\\\",\\\"productName\\\":\\\"Greiðslumat\\\",\\\"h1\\\":\\\"\\u003cspan\\u003eGreiðslumat\\u003c/span\\u003e Aurbjargar\\\",\\\"subtitle\\\":\\\"Með léttu greiðslumati Aurbjargar reiknum við þína greiðslugetu út frá þeim forsendum sem þú slærð inn. Þú færð skýra mynd af hámarks kaupgetu, lánsgetu og greiðslubyrði. Greiðslumatið tekur mið af reglum Seðlabanka Íslands um hámarks greiðslubyrði.\\\",\\\"cta\\\":\\\"Komdu í áskrift\\\",\\\"open\\\":\\\"Opna\\\"},\\\"search\\\":{\\\"headline\\\":\\\"Er eignin innan greiðslugetu?\\\",\\\"subtitle\\\":\\\"Með léttu greiðslumati Aurbjargar getur þú séð hvort eignir séu innan þinnar greiðslugetu. Þú getur leitað markvisst eingöngu að eignum sem henta þínum fjárhag og fengið skýra mynd af því hvað þú ræður við. Þannig sparar þú tíma, forðast óþarfa vonbrigði og tekur upplýstar ákvarðanir þegar kemur að fasteignakaupum.\\\"},\\\"cb\\\":{\\\"headline\\\":\\\"Reglur Seðlabanka Íslands um greiðslubyrði\\\",\\\"subtitle\\\":\\\"Í útreikningum greiðslumats Aurbjargar er tekið mið af reglum Seðlabanka Íslands um greiðslubyrði, ólíkt flestum bráðabirgða greiðslumötum. Samkvæmt þeim má mánaðarleg greiðsla af lánum ekki vera hærri en 35% af ráðstöfunartekjum lántakanda eða 40% ef um fyrstu kaupendur er að ræða\\\"},\\\"results\\\":{\\\"headline\\\":\\\"Kaupgeta, lánsgeta og greiðslugeta\\\",\\\"subtitle\\\":\\\"Með greiðslumati Aurbjargar færðu upplýsingar um kaupgetu, lánsgetu og greiðslugetu. Kaupgeta segir til um hversu dýra eign þú getur keypt, lánsgeta segir til um hámarks lán sem þú getur fengið hjá lánastofnun og greiðslugeta segir til um hvað þú mátt og getur greitt í mánaðarlega greiðslu.\\\"}},\\\"PrivateFundsComparison\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Samanburður séreignasjóða - Aurbjörg\\\",\\\"description\\\":\\\"Séreign er þinn persónulegi sparnaður – og þú ræður hvernig honum er varið. Undir séreign falla bæði viðbótarlífeyrissparnaður og tilgreind séreign, sem eru sparnaðarleiðir sem safnast upp á þínu nafni og eru að fullu erfanlegar. Með samanburðartöflu Aurbjargar færð þú skýra yfirsýn yfir ávöxtun, gjöld og áhættu hjá helstu sjóðum. Berðu saman mismunandi leiðir og finndu sparnaðarform sem hentar þér.\\\"},\\\"title\\\":\\\"Samanburður \\u003cspan\\u003eséreignasjóða\\u003c/span\\u003e\\\",\\\"description\\\":\\\"Séreign er þinn persónulegi sparnaður – og þú ræður hvernig honum er varið. Undir séreign falla bæði viðbótarlífeyrissparnaður og tilgreind séreign, sem eru sparnaðarleiðir sem safnast upp á þínu nafni og eru að fullu erfanlegar. Með samanburðartöflu Aurbjargar færð þú skýra yfirsýn yfir ávöxtun, gjöld og áhættu hjá helstu sjóðum. Berðu saman mismunandi leiðir og finndu sparnaðarform sem hentar þér.\\\",\\\"fundDetails\\\":\\\"Yfirlit sjóðs\\\",\\\"fund\\\":\\\"Sjóður\\\",\\\"investmentPlan\\\":\\\"Séreignardeildir\\\",\\\"riskIndicator\\\":\\\"Áhættuvísir\\\",\\\"riskIndicatorTooltip\\\":\\\"Samantekinn áhættuvísir á skalanum 1-7 er leiðbeinandi um áhættustig þessarar afurðar í samanburði við aðrar afurðir. Hann sýnir hversu líklegt er að afurðin muni lækka í verði vegna hreyfinga á mörkuðum.\\\",\\\"returns\\\":\\\"Raunávöxtun\\\",\\\"returns1year\\\":\\\"1 ár\\\",\\\"returns5years\\\":\\\"5 ár\\\",\\\"returns10years\\\":\\\"10 ár\\\",\\\"returns10yearsFull\\\":\\\"10 ára raunávöxtun\\\",\\\"returns10yearsFullTooltip\\\":\\\"Ávöxtun eignasafns sjóðsins umfram verðbólgu.\\\",\\\"members\\\":\\\"Meðlimir\\\",\\\"membersTooltip\\\":\\\"Samtala þeirra sem annað hvort greiða í sjóðinn eða fá greiddan lífeyri úr sjóðnum.\\\",\\\"assetsInForeignCurrencies\\\":\\\"Eignir í erlendum gjaldmiðlum\\\",\\\"assetsInForeignCurrenciesTooltip\\\":\\\"Hlutfall eignasafns sjóðsins sem er í erlendum gjaldmiðlum\\\",\\\"compare\\\":\\\"Bera saman\\\",\\\"pensionLiability\\\":\\\"Lífeyrisbyrði\\\",\\\"cost\\\":\\\"Kostn. vegna inngöngu/útgöngu\\\",\\\"costTooltip\\\":\\\"Segir til um hvort að því fylgi kostnaður að ganga í sjóðinn. Þetta á yfirleitt við þegar um séreignatryggingu er að ræða\\\",\\\"netAssetsForPensionCommitments\\\":\\\"Hrein eign til greiðslu lífeyris\\\",\\\"netContributions\\\":\\\"Hrein iðgjöld\\\",\\\"contributorsPlusPensioners\\\":\\\"Virkir + Lífeyrisþegar\\\",\\\"contributorsPerPensioner\\\":\\\"Fjöldi virkra á hvern lífeyrisþega\\\",\\\"bondsListed\\\":\\\"Skráð skuldabréf\\\",\\\"bondsUnlisted\\\":\\\"Óskráð skuldabréf\\\",\\\"stocksAndFundsListed\\\":\\\"Skráð hlutabréf og sjóðir\\\",\\\"stocksAndFundsUnlisted\\\":\\\"Óskráð hlutabréf og sjóðir\\\",\\\"generalInformation\\\":\\\"Almennt\\\",\\\"pensionersAndContributors\\\":\\\"Virkir meðlimir og lífeyrisþegar\\\",\\\"privateFunds\\\":\\\"Séreign\\\",\\\"riskProfileAndInvestmentStrategy\\\":\\\"Samsetning eignasafns\\\",\\\"comparePrivateFunds\\\":\\\"Bera saman séreignasjóði\\\",\\\"stocksTotal\\\":\\\"Hlutabréf og sjóðir\\\",\\\"stocksTotalTooltip\\\":\\\"Hlutfall eignasafns sjóðsins í skráðum eða óskráðum hlutabréfum\\\",\\\"insuredAssets\\\":\\\"Tryggður höfuðstóll\\\",\\\"insuredAssetsTooltip\\\":\\\"Tryggður höfuðstóll er vernd gegn neikvæðri markaðsþróun. Við eðlileg samningslok er tryggð lágmarksútborgun sem nemur ákveðnu hlutfalli af innborguðum iðgjöldum, óháð því hvernig fjárfestingarnar hafa gengið.\\\",\\\"apply\\\":\\\"Sækja um\\\",\\\"yes\\\":\\\"Já\\\",\\\"no\\\":\\\"Nei\\\",\\\"inForeignCurrencies\\\":\\\"Eignir í erl. gjaldmiðlum\\\",\\\"inDomesticCurrency\\\":\\\"Eignir í ísl. krónum\\\",\\\"pensionFundBalance\\\":\\\"Fjárstreymisyfirlit\\\",\\\"totalNetAssetsForPension\\\":\\\"Hrein eign til greiðslu lífeyris\\\",\\\"netContributionsInLastYear\\\":\\\"Hrein iðgjöld\\\",\\\"pensionFundBalanceDisclaimer\\\":\\\"Þetta yfirlit sýnir hvernig fjárhagur lífeyrissjóðsins stendur gagnvart framtíðarskuldbindingum. Það gefur innsýn í hve mikið af hreinni eign er tiltækt til að standa undir lífeyrisgreiðslum, hversu mikið kemur inn í sjóðinn í hreinum iðgjöldum, og hlutfall lífeyris og iðgjalda í formi lífeyrisbyrði.\\\",\\\"faq\\\":\\\"Spurt og svarað\\\",\\\"qa\\\":{\\\"first\\\":{\\\"question\\\":\\\"Hvað þýðir séreign?\\\",\\\"answer\\\":\\\"Séreign er einstaklingsbundinn sparnaður sem er þín eign. Séreign er erfanleg og hegðar sér eins og sparnaður en ekki réttindasöfnun. Með réttindasöfnun er átt við greiðslu í samtryggingu. Hver upphæð sem lögð er inn í séreignarsparnað er ávöxtuð í formi hreinnar eignar og hægt að fá hana greidda út í pörtum, mánaðarlegum greiðslum eða færri greiðslum eftir tiltekinn aldur, oft 60 ára til 62 ára. Ef lífeyrisþegi á séreign vil andlát, þá erfist sú upphæð til lögerfingja. Til eru nokkrar tegundir séreignar, það er séreign í formi skyldusparnaðar, tilgreind séreign og viðbótalífeyrissparnaður. \\u003cbr\\u003eÓkostur séreignar er að hún getur klárast og þá verða breytingar á lífeyri viðkomandi.\\u003c/br\\u003e\\\"},\\\"second\\\":{\\\"question\\\":\\\"Hvað er viðbótarlífeyrissparnaður? (séreignasparnaður)\\\",\\\"answer\\\":\\\"$75\\\"},\\\"third\\\":{\\\"question\\\":\\\"Hvað er Tilgreind séreign?\\\",\\\"answer\\\":\\\"Tilgreind séreign er valfrjáls séreign. Samkvæmt lögum á sjóðsfélagi rétt á því að ráðstafa 3,5% af heildariðgjaldi sínu í tilgreinda séreign. \\u003cbr\\u003eTilgreind séreign veitir þeim sem ekki geta valið sér lífeyrissjóð ákveðið frelsi til að hafa áhrif á ráðstöfun lífeyrisgreiðslna sinna og setja meira af skylduiðgjaldi sínu í séreign. Hún er ekki viðbót við lífeyrissparnaðinn heldur felur tilgreinda séreignin í sér minnkun á samtryggingu. Það dregur úr réttindastöðu við starfslok, fráfall, veikindi eða örorku, en getur aukið hag og sveigjanleika við starfslok á hinn boginn.\\u003c/br\\u003e \\u003cbr\\u003eEf við tökum dæmi, þá er skylduiðgjald vegna lífeyrissparnaðar 15,5%. Það er hægt að óska eftir því að 3,5% af þeirri upphæð verði tilgreind séreign og þá hegðar hún sér eins og viðbótarlífeyrissparnaður og birtist sem upphæð en ekki réttindi. Tilgreinda séreign má byrja að taka út við 62 ára aldur, ólíkt viðbótarlífeyrissparnaði sem má byrja að taka út um sextugt.\\u003c/br\\u003e\\\"},\\\"fourth\\\":{\\\"question\\\":\\\"Hvernig virkar séreign hjá blönduðum sjóðum?\\\",\\\"answer\\\":\\\"Blandaðir sjóðir, semsagt sjóðir sem byggja á bæði samtryggingadeild og séreignadeild bjóða lífeyrisþegum valfrjálst að setja hluta af þeim 15,5% skyldusparnaðar í séreign. Séreign virkar öfugt við samtryggingu, hún virkar meira eins og hefðbundinn sparnaður sem þú ræður hvernig er ávaxtaður. Séreign er hægt að frá greidda út við 60 ára aldur, annað hvort greidda út yfir tímabil, eða sem eingreiðslu. Séreign er ávalt erfanleg eign sem þýðir að við fráfall lífeyrisþega er inneigninni skipt á milli lögerfingja.\\\"},\\\"fifth\\\":{\\\"question\\\":\\\"Greiði ég skatt af vaxtatekjum séreignar?\\\",\\\"answer\\\":\\\"Allar lífeyrisgreiðslur eru skattskyldar eins og aðrar tekjur. Lífeyrisiðgjöldin fara óskattlögð inn í lífeyrissjóð svo lífeyrisþegar eiga eftir að greiða skatt þegar greiðslurnar koma til baka. \\u003cbr\\u003eLífeyrisgreiðslur hjá lífeyrissjóðum er þó undanþegnar fjármagnstekjuskatti af vaxtatekjum svo ekki þarf að greiða neinn fjármagnstekjuskatt af neinum vaxtatekjum sem myndast við ávöxtun lífeyrisiðgjalda.\\u003c/br\\u003e\\\"},\\\"sixth\\\":{\\\"question\\\":\\\"Hvernig virkar séreignatrygging?\\\",\\\"answer\\\":\\\"Séreignatrygging er sérstök tegund séreignarsparnaðar sem sameinar fjárfestingu og tryggingu. Hún er í boði hjá erlendum tryggingafélögum eins og Allianz og Bayern og býður oft tryggða lágmarksávöxtun eða ævilangar greiðslur, óháð markaðsaðstæðum. Þessi sparnaðarleið er yfirleitt í erlendri mynt og fer utan hefðbundinna íslenskra lífeyrissjóða. \\u003cbr\\u003eSéreignatrygging getur hentað þeim sem vilja meiri fyrirsjáanleika og vernd gegn sveiflum, en þeim fylgir yfirleitt hærri kostnaður og langtímaskuldbinding þar sem höfuðstóllinn er tryggður. Hún er ekki eins sveigjanleg og hefðbundin séreign og ekki alltaf hægt að flytja hana eða breyta án kostnaðar. Þar sem um langtíma tryggingarsamning er að ræða er mikilvægt að kynna sér útreikninga áður en slíkur samningur er gerður.\\u003c/br\\u003e\\\"},\\\"seventh\\\":{\\\"question\\\":\\\"Erfist séreign?\\\",\\\"answer\\\":\\\"Ekki öll lífeyrisréttindi eru erfanleg. \\u003cbr\\u003e\\u003cstrong\\u003eSéreign\\u003c/strong\\u003e og \\u003cstrong\\u003eviðbótarlífeyrissparnaður\\u003c/strong\\u003e eru erfanlegar eignir. Það þýðir að ef lífeyrisþegi fellur frá áður en hann hefur tekið út inneignina, fer hún til lögerfingja samkvæmt erfðalögum. Sama gildir um \\u003cstrong\\u003etilgreinda séreign\\u003c/strong\\u003e, en hún erfist að fullu og erfingjar fá þá uppsöfnuðu inneignina greidda út.\\u003c/br\\u003e \\u003cbr\\u003eSamtrygging virkar öðruvísi. Þar er ekki verið að safna persónulegri inneign heldur byggja upp réttindi sem nýtast til æviloka og við ákveðin áföll. Þau réttindi sem safnast í samtryggingu eru því almennt ekki erfanleg inneign. Hins vegar geta aðtandendur átt rétt á greiðslum úr samtryggingarsjóðum eftir andlát sjóðfélaga, þar má nefna makalífeyri og barnalífeyri.\\u003c/br\\u003e\\\"},\\\"eight\\\":{\\\"question\\\":\\\"Get ég notað séreign við kaup á fyrstu íbúð?\\\",\\\"answer\\\":\\\"$76\\\"},\\\"ninth\\\":{\\\"answer\\\":\\\"Heimilt er að nýta viðbótarlífeyrissparnað skattfrjálst til að greiða inn á lán.\\\",\\\"question\\\":\\\"Get ég notað viðbótarlífeyrissparnað inn á lán?\\\"}},\\\"messageFromFund\\\":\\\"Skilaboð frá sjóði\\\",\\\"tabs\\\":{\\\"general\\\":\\\"Almennt\\\",\\\"description\\\":\\\"Réttindi\\\",\\\"keyInformation\\\":\\\"Lykilupplýsingablöð\\\"},\\\"dataDisclaimer\\\":\\\"Gögn eru uppfærð árlega. Nýjustu gögn eru frá ársskýrslum 2025 fyrir árið 2024.\\\",\\\"compareText\\\":\\\"Til að bera saman lífeyrissjóði þarftu að vera í áskrift hjá Aurbjörgu\\\",\\\"insuredTag\\\":\\\"Séreignatrygging\\\",\\\"insuredTagPopover\\\":\\\"Séreignatrygging er séreignarsparnaður með innbyggðri tryggingu – oftast tryggðri lágmarksávöxtun eða ævilöngum útborgunum. Hún er gjarnan í erlendri mynt og er í umsjón tryggingafélags, ekki hefðbundins íslensks sjóðs. Þessi leið getur hentað þeim sem vilja meiri öryggi og fyrirsjáanleika. Séreignatryggingum fylgir hærri upphafskostnaður og felur í sér langtímaskuldbindingu – því skiptir miklu máli að taka upplýsta ákvörðun.\\\"},\\\"About\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Um okkur - Aurbjörg\\\",\\\"description\\\":\\\"Í dag hafa mörg þúsund einstaklingar nýtt sér Aurbjörgu í stærstu fjárhagslegu ákvörðunum lífs þeirra.\\\"},\\\"title\\\":\\\"Aurbjörg \\u003cspan\\u003ebætir fjármál\\u003c/span\\u003e heimilanna \\u003cspan\\u003eí dag og á morgun\\u003c/span\\u003e\\\",\\\"subtitle1\\\":\\\"Í dag hafa mörg þúsund einstaklingar nýtt sér Aurbjörgu\\\",\\\"subtitle2\\\":\\\"í stærstu fjárhagslegu ákvörðunum lífs þeirra.\\\",\\\"subtitle3\\\":\\\"Aurbjörg var stofnuð árið 2017 til að auka fjármálalæsi í landinu\\\",\\\"subtitle4\\\":\\\"með því að bjóða upp á óháðan samanburð á kjörum fjármálaþjónustu - í fyrsta skiptið á íslandi.\\\",\\\"complicatedFinances\\\":\\\"Fjármál geta \\u003cspan\\u003everið svo flókin\\u003c/span\\u003e\\\",\\\"complicatedFinancesItem1\\\":\\\"Leit að réttum upplýsingum tekur óralangan tíma\\\",\\\"complicatedFinancesItem2\\\":\\\"Áhyggjur af því að missa af réttu tækifærunum\\\",\\\"complicatedFinancesItem3\\\":\\\"Hvenær veit ég að þetta er rétt fjárhagsleg ákvörðun fyrir mig\\\",\\\"goalToGuideYou\\\":\\\"Okkar hlutverk er að leiða þig í rétta átt\\\",\\\"transparency\\\":\\\"Gagnsæi\\\",\\\"clearInformation\\\":\\\"Við veitum þér skýrar upplýsingar til að hjálpa þér við að taka upplýstar og vel ígrundaðar ákvarðanir í fjármálum.\\\",\\\"independent\\\":\\\"Óháðar upplýsingar\\\",\\\"informedDecisions\\\":\\\"Aurbjörg er ekki í eigu fjármálastofnana á Íslandi og veitir því óháðar upplýsingar og ábendingar til neytenda.\\\",\\\"empowering\\\":\\\"Valdeflandi fjármálafræðsla\\\",\\\"financialLiteracy\\\":\\\"Við eflum fjármálalæsi á Íslandi, með einföldum, en jafnframt ítarlegum upplýsingum. Við leggjum upp með að útskýra fjármál á mannamáli til að auka skilning og þekkingu á fjármálum almennings.\\\",\\\"convenient\\\":\\\"Þægilegt og skilvirkt\\\",\\\"helpToSave\\\":\\\"Við hjálpum þér að spara tíma og peninga með einföldum samanburðartöflum og reiknivélum - allar upplýsingar á einum stað.\\\",\\\"ourTeam\\\":\\\"Teymið okkar\\\",\\\"financialExperts\\\":\\\"Starfsmenn Aurbjargar er fjölbreyttur hópur sérfræðinga og talsmanna viðskiptavina sem eiga sér eitt sameiginlegt markmið:\\\",\\\"peaceOfMind\\\":\\\"Að færa þér hugarró í fjármálum.\\\",\\\"team\\\":\\\"Teymið\\\",\\\"ceo\\\":\\\"Framkvæmdarstjóri\\\",\\\"customerRelations\\\":\\\"Viðskiptatengsl\\\",\\\"product\\\":\\\"Vöruþróun\\\",\\\"design\\\":\\\"Hönnun og viðmót\\\",\\\"developer\\\":\\\"Forritari\\\",\\\"customerSuccess\\\":\\\"Þjónusta\\\",\\\"fintechSpecialist\\\":\\\"Fjártæknisérfræðingur\\\"},\\\"PensionCalculator\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Skipuleggðu lífeyrinn þinn á einum stað\\\",\\\"description\\\":\\\"Lífeyrisreiknivél Aurbjargar er heildstæð reiknivél sem reiknar út lífeyrinn þinn fyrir alla lífeyrissjóði á Íslandi.\\\"},\\\"productName\\\":\\\"Lífeyrisreiknivél\\\",\\\"headline\\\":\\\"Lífeyrismál\\\",\\\"title\\\":\\\"Skipuleggðu \\u003cspan\\u003elífeyrinn þinn\\u003c/span\\u003e á einum stað\\\",\\\"subtitle\\\":\\\"Lífeyrisreiknivél Aurbjargar er heildstæð reiknivél sem reiknar út lífeyrinn þinn fyrir alla lífeyrissjóði á Íslandi.\\\",\\\"cta\\\":\\\"Reiknaðu þinn lífeyri\\\",\\\"open\\\":\\\"Opna\\\",\\\"what\\\":{\\\"headline\\\":\\\"Hvað er Lífeyrisreiknivélin?\\\",\\\"paragraph\\\":\\\"Lífeyrisreiknivél Aurbjargar sýnir hvernig lífeyrir þinn gæti litið út hjá öllum lífeyrissjóðum á Íslandi. Reiknivélin byggir útreikninga á réttindatöflum allra sjóða ásamt öllum tegundum séreignasparnaðar.\\\",\\\"point1\\\":\\\"Samtrygging\\\",\\\"point2\\\":\\\"Viðbótarlífeyrissparnaður\\\",\\\"point3\\\":\\\"Tilgreind séreign\\\",\\\"point4\\\":\\\"Áunnin réttindi\\\",\\\"point5\\\":\\\"Launahækkanir\\\",\\\"cta\\\":\\\"Skoða Lífeyrisreiknivélina\\\"},\\\"how\\\":{\\\"headline\\\":\\\"Hvernig virkar Lífeyrisreiknivélin?\\\",\\\"1st\\\":{\\\"headline\\\":\\\"Settu inn þínar forsendur\\\",\\\"point1\\\":\\\"Fylltu inn laun, aldur, árlega raun-hækkun launa\\\",\\\"point2\\\":\\\"Áunnin lífeyrisréttindi \\\",\\\"point3\\\":\\\"Tilgreind séreign\\\",\\\"point4\\\":\\\"Séreignarsparnaður\\\",\\\"point5\\\":\\\"Aldur við starfslok\\\"},\\\"2nd\\\":{\\\"headline\\\":\\\"Sjáðu niðurstöður allra sjóða\\\",\\\"point1\\\":\\\"Samtrygging á mánuði\\\",\\\"point2\\\":\\\"Heildar uppsöfnuð séreign\\\",\\\"point3\\\":\\\"Meðal lífeyrisgreiðslur á mánuði\\\"},\\\"3rd\\\":{\\\"headline\\\":\\\"Myndrænar útgreiðslur\\\",\\\"point1\\\":\\\"Smelltu á sjóð til þess að fá nánari niðurstöður\\\",\\\"point2\\\":\\\"Gröf sýna útgreiðslurnar myndrænt\\\",\\\"point3\\\":\\\"Launaferill og lífeyrir á einu grafi\\\"},\\\"4th\\\":{\\\"headline\\\":\\\"Berðu saman einstaka sjóði\\\",\\\"point1\\\":\\\"Veldu nokkra sjóði sem þér líst best á\\\",\\\"point2\\\":\\\"Smelltu á bera saman og fáðu ítarlegan samanburð\\\",\\\"point3\\\":\\\"Myndrænn samanburður á réttindum og greiðslum \\\"}},\\\"planning\\\":\\\"Það getur verið bæði flókið og tímafrekt að skipuleggja seinni árin sín.  Á maður að velja blandaðan sjóð með séreign eða greiða meira í samtryggingu? Hvenær er skynsamlegt að hætta að vinna, og hvenær er best að hefja útgreiðslu séreignar? Lífeyrisreiknivél Aurbjargar hjálpar þér að sjá allar helstu sviðsmyndir og reiknar alla lífeyrissjóði eftir sömu reiknireglum.\\\",\\\"pensionSavings\\\":{\\\"headline\\\":\\\"Viðbótarlífeyrissparnaður? Tilgreind séreign?\\\",\\\"paragraph\\\":\\\"Lífeyrisreiknivél Aurbjargar er gagnlegt tól til þess að sjá hvaða sparnaðarleið hentar þér best.  Þú getur strax skoðað áhrif við viðbótarlífeyrissparnaðar og metið hvort tilgreind séreign henti þér. Prófaðu mismunandi leiðir og fáðu skýra mynd af því hvernig þú vilt haga þínum lífeyrismálum.\\\",\\\"cta\\\":\\\"Prófaðu Lífeyrisreiknivélina\\\"}},\\\"PensionFundsAccrualCalculator\\\":{\\\"productName\\\":\\\"Lífeyrisréttindi\\\",\\\"title\\\":\\\"Berðu saman \\u003cspan\\u003elífeyrisgreiðslur\\u003c/span\\u003e allra lífeyrissjóða\\\",\\\"description\\\":\\\"Sjáðu hvernig lífeyrisgreiðslur geta verið misjafnar milli sjóða miðað við laun, aldur og hvenær þú kýst að hætta að vinna.\\\",\\\"ctaText\\\":\\\"Ert þú með besta lífeyrissjóðinn fyrir þig?\\\",\\\"li1\\\":\\\"Fáðu nákvæma yfirsýn yfir \\u003cstrong\\u003eheildarlífeyri á mánuði\\u003c/strong\\u003e út frá þínum forsendum\\\",\\\"li2\\\":\\\"Breyttu forsendum fyrir laun, aldur og greiðslur fram að og sjáðu áhrifin\\\",\\\"li3\\\":\\\"Fáðu \\u003cstrong\\u003eítarlegri upplýsingar\\u003c/strong\\u003e um þá sjóði sem þú hefur áhuga á\\\",\\\"cta\\\":\\\"Reiknaðu þinn lífeyri\\\",\\\"yourSalary\\\":\\\"Mánaðarlaun\\\",\\\"yourSalaryTooltip\\\":\\\"Hér er átt við mánaðarlaun fyrir skatt.\\\",\\\"ageEntry\\\":\\\"Núverandi aldur\\\",\\\"ageRetirement\\\":\\\"Aldur við starfslok\\\",\\\"ageRetirementTooltip\\\":\\\"Aldurinn verður að vera á milli 60 og 80 ára\\\",\\\"ageDeath\\\":\\\"Sjá greiðslur fram að\\\",\\\"ageDeathTooltip\\\":\\\"Þar sem blandaðir sjóðir innihalda séreign verður að skoða meðalgreiðslu úr séreign fram að einhverjum ákveðnum aldri til þess að bera blönduðu sjóðina við þá heðfbundnu. Athugið að greiðslufyrirkomulag séreignarhluta blönduðu sjóðanna er þó öðruvísi.\\\",\\\"returnsPrivate\\\":\\\"Raunávöxtun séreignar\\\",\\\"returnsPrivateTooltip\\\":\\\"Ávöxtun umfram verðbólgu. Á við blandaða sjóði sem innihalda séreign.\\\",\\\"totalPensionThroughYears\\\":\\\"Áunnin mánaðarleg réttindi\\\",\\\"showCompoundPension\\\":\\\"Sjá uppsöfnuð réttindi\\\",\\\"yearsShort\\\":\\\"ár\\\",\\\"years\\\":\\\"ára\\\",\\\"totalPension\\\":\\\"Meðal lífeyrir á mánuði\\\",\\\"totalPensionTooltip\\\":\\\"Áætluð meðal mánaðarleg greiðsla fyrir skatt frá lífeyrissjóðnum, verðtryggðar upphæðir. Greiðslum úr séreignarsjóði er hér dreift yfir öll árin frá starfslokum fram að lokaári sem er verið að skoða að hverju sinni.\\\",\\\"pensionFunds\\\":\\\"Lífeyrissjóður\\\",\\\"headerDisclaimer\\\":\\\"Þetta graf sýnir þér hvað þú ávinnur þér í mánaðarlegan ellilífeyri á hverju ári miðað við þau laun sem þú slærð inn. Þú getur einnig valið 'Sjá uppsöfnuð réttindi' til þess að sjá hvernig réttindin byggjast upp yfir tímann. Athugaðu að hér er ekki reiknað með þegar áunnum réttindum, þú getur séð það og aðra ítarlegri útreikninga í lífeyrisreiknivél Aurbjargar - vara væntanleg.\\\",\\\"graphDisclaimerNonCumulative\\\":\\\"Þessi upphæð sýnir hvað þú ávinnur þér í mánaðarleg eftirlaun á viðkomandi aldri.\\\",\\\"graphDisclaimerCumulative\\\":\\\"Þessi upphæð sýnir þér hvað þú hefur áunnið fram að og með viðkomandi aldri. Ef þú myndir aldrei vinna eftir þennan aldur, þá yrðu þetta mánaðarleg eftirlaun þín.\\\",\\\"totalContributions\\\":\\\"Heildar lífeyrir\\\",\\\"averageMonthlyPayments\\\":\\\"Meðal lífeyrir á mánuði\\\",\\\"monthlyContributionDisclaimer\\\":\\\"Iðgjöld á mánuði m.v. 15.5% skylduiðgjald\\\",\\\"totalContributionDisclaimer\\\":\\\"Heildariðgjöld yfir starfsævina\\\",\\\"mixedFunds\\\":\\\"*Blandaður sjóður\\\",\\\"evenFunds\\\":\\\"**Lokuð nýjum sjóðfélögum\\\",\\\"faq\\\":\\\"Spurt og svarað\\\",\\\"premiumCta\\\":\\\"Komdu í áskrift\\\",\\\"premiumHeadline\\\":\\\"Komdu í áskrift\\\",\\\"premiumDisclaimer\\\":\\\"Til þess að breyta þessum gildum þarftu að vera í áskrift. Komdu í áskrift og sjáðu hvaða sjóður er bestur fyrir þig.\\\",\\\"disclaimer\\\":\\\"Útreikningar sýna áætlaðan lífeyri skv. réttindatöflum sjóðanna en þær byggja á mismunandi lýðfræðilegum forsendum þeirra, til að mynda fyrir langlífi og örorkutíðni. Endanlegur lífeyrir ræðst af ávöxtun og raun kostnaði.\\\",\\\"qa\\\":{\\\"q1Question\\\":\\\"Hvað þýðir réttindaávinnsla?\\\",\\\"q1Answer\\\":\\\"Samtrygging virkar þannig að fyrir hvert iðgjald sem þú borgar til þíns lífeyrissjóðs ávinnur þú þér einhverja upphæð í ævilangan lífeyri. Svo fer eftir á hvaða aldri þú ert þegar þú greiðir iðgjaldið upp á hvað þú ávinnur þér mikið en það fer eftir svokölluðum réttindatöflum sem má finna í samþykktum hvers og eins sjóðs.\\\",\\\"q1Answer1\\\":\\\"Dæmi: Segjum að þú vinnir aðeins í eitt ár þegar þú ert 24 ára með 500.000 kr. í laun fyrir skatt. Þá munt þú eiga rétt á mánaðarlegum greiðslum þegar þú ert 67 ára upp á t.d. 16.112 frá SL lífeyrissjóð\\\",\\\"q2Question\\\":\\\"Hvernig er réttindaávinnsla reiknuð?\\\",\\\"q2Answer\\\":\\\"Í samþykktum hvers lífeyrissjóðs má finna töflur sem segja til um hvað þú ávinnur þér miðað við hvert 10.000kr iðgjald sem þú greiðir til sjóðsins. Þannig má nota þessar töflur til þess að reikna réttindaávinnslu miðað við hvaða laun sem er. Ávinnslan fer svo alla jafnan eftir aldri og stundum fæðingarári líka.\\\",\\\"q3Question\\\":\\\"Er þetta pottþétt það sem ég fæ í eftirlaun?\\\",\\\"q3Answer\\\":\\\"Nei, sjóðir geta skert eða aukið réttindi eftir því hvernig sjóðurinn stendur en hér er oft miðað við svokallaða Tryggingafræðilega stöðu' og hana má nálgast hér. Því er mikilvægt að kynna sér vel samþykktir þíns lífeyrissjóðs sem og fylgjast með stöðu hans og tilkynningum.\\\",\\\"q4Question\\\":\\\"Afhverju er munur á réttindatöflum sjóða?\\\",\\\"q4Answer\\\":\\\"Það kunna að vera ýmsar ástæður fyrir því að það muni svolitlu á réttindatöflum sjóðanna en þær endurspegla hvað sjóðurinn telur sig geta staðið undir miklu. Hér spila inn í þættir eins og munur á örorkubyrði, ávöxtun eigna og margt fleira.\\\",\\\"q5Question\\\":\\\"Hvað þarf ég að hafa í huga þegar ég vel mér sjóð, þarf ég að pæla í réttindatöflum og ávinnslu?\\\",\\\"q5Answer\\\":\\\"Að velja sér lífeyrissjóð getur reynst snúið verkefni og er misjafnt fyrir hvern og einn og þeirra áherslur. Réttindaávinnsla segir einungis til um hvers þú megir vænta í eftirlaun en það er gott að kynna sér hvern sjóð fyrir sig hvað önnur réttindi varðar eins og maka- barna- og örorkulífeyri.\\\",\\\"q6Question\\\":\\\"Afhverju munar svona miklu á greiðslum ef ég vil hætta að vinna fyrr?\\\",\\\"q6Answer\\\":\\\"Réttindaávinnsla hvers og eins sjóðs er mismunandi eftir því hvenær þú hyggst hefja eftirlaunin þín. Réttindatöflur sjóðana miða yfirleitt við eftirlaunatöku 67 ára en svo er önnur tafla með margföldunarstuðum fyrir hvert ár sem þú flýtir- eða seinkar eftirlaunatöku og þessar töflur eru einnig misjafnar milli sjóða. Þannig getur til dæmis sjóður A greitt þér hærri eftirlaun ef þú hefur eftirlaun 60 ára en sjóður B borgað meira ef þú hefur eftirlaun 67 ára.\\\",\\\"q7Question\\\":\\\"Hvað þýðir blandaðir sjóðir?\\\",\\\"q7Answer\\\":\\\"Blandaðir sjóðir eru þeir sjóðir sem setja hluta af 15,5% skylduiðgjaldinu þínu í séreign. Séreign virkar eins og persónulegur sparnaður sem er ávaxtaður og greiðist út síðar, oft frá 60 ára aldri. Séreign er erfanleg ólíkt réttindum í samtryggingu. Hafa þarf í huga að meiri séreign lækkar réttindi til ævilangs ellilífeyris sem og maka- og barnalífeyris.\\\",\\\"q8Question\\\":\\\"Er betra að hafa meira eða minni séreign?\\\",\\\"q8Answer\\\":\\\"Það er mjög misjafnt hvort hentar hverjum og einum betur en nokkur atriði ber að hafa í huga. Séreign er erfanlegur sparnaður á meðan samtrygging veitir rétt til ævilangra eftirlauna og er ekki erfanleg. Meiri séreign þýðir þó alla jafnan minni réttindi þegar kemur að örorku- maka- og barnalífeyri. Svo er ágætt að setja inn sín skilyrði og væntingar um ávöxtun til þess að sjá hvernig hinar mismunandi leiðir myndu koma út fyrir þig.\\\",\\\"q9Question\\\":\\\"Hver er munurinn á aldurstengdri (aldurs) og jafnri(jöfn) réttindaávinnslu?\\\",\\\"q9Answer\\\":\\\"Aldurstengd réttindaávinnsla veitir hærri réttindi til eftirlauna því yngri sem þú ert en minnkar svo með aldrinum. Í jafnri réttindaávinnslu ávinnur þú þér alltaf jafn mikið fyrir hverja krónu óháð aldri. Jöfn réttindaávinnsla er í dag lokuð nýjum sjóðfélögum.\\\"}},\\\"Blog\\\":{\\\"categories\\\":{\\\"all\\\":\\\"Allt\\\",\\\"loans\\\":\\\"Lánamál\\\",\\\"pension\\\":\\\"Lífeyrismál\\\",\\\"expenses\\\":\\\"Útgjöld\\\",\\\"realEstate\\\":\\\"Fasteignir\\\",\\\"savings\\\":\\\"Sparnaður\\\"}},\\\"DailyFinances\\\":{\\\"meta\\\":{\\\"title\\\":\\\"Dagleg fjármál - Aurbjörg\\\",\\\"description\\\":\\\"Dagleg fjármál gefa þér skýra mynd af því hvað kemur inn, hvert peningarnir þínir fara og hvað þú átt raunverulega eftir. 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  "emergingProtocols": {
    "oauthDiscovery": {
      "exists": false,
      "url": "https://aurbjorg.is/.well-known/oauth-authorization-server"
    },
    "mcpServerCard": {
      "exists": false,
      "url": "https://aurbjorg.is/.well-known/mcp.json"
    },
    "a2aAgentCard": {
      "exists": false,
      "url": "https://aurbjorg.is/.well-known/agent.json"
    },
    "count": 0
  },
  "snippets": [
    {
      "id": "add_canonical_url",
      "title": "Add canonical URL",
      "description": "The canonical URL tells AI agents which version of the page is the \"official\" one, avoiding duplicate content issues.",
      "language": "html",
      "code": "<link rel=\"canonical\" href=\"https://aurbjorg.is\">",
      "filename": "<head>"
    },
    {
      "id": "add_schema_org",
      "title": "Add Schema.org JSON-LD",
      "description": "Structured data helps AI agents understand the type, author, and purpose of your content.",
      "language": "html",
      "code": "<script type=\"application/ld+json\">\n{\n  \"@context\": \"https://schema.org\",\n  \"@type\": \"WebPage\",\n  \"name\": \"Aurbjörg - Áskrift að heilbrigðari fjármálum\",\n  \"description\": \"Aurbjörg aðstoðar þig við fjármálin. Berðu saman öll lán, bankareikninga og kort á einum stað og lærðu allt það nauðsynlega um fjármál\",\n  \"url\": \"https://aurbjorg.is\",\n  \"inLanguage\": \"is\",\n  \"isPartOf\": {\n    \"@type\": \"WebSite\",\n    \"name\": \"Aurbjörg.is\"\n  }\n}\n</script>",
      "filename": "<head>"
    },
    {
      "id": "add_sitemap",
      "title": "Create /sitemap.xml",
      "description": "A sitemap helps AI agents discover all your pages. Most CMS platforms generate one automatically.",
      "language": "xml",
      "code": "<?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<urlset xmlns=\"http://www.sitemaps.org/schemas/sitemap/0.9\">\n  <url>\n    <loc>https://aurbjorg.is</loc>\n    <lastmod>2026-05-14</lastmod>\n  </url>\n</urlset>",
      "filename": "/sitemap.xml"
    },
    {
      "id": "add_article_main",
      "title": "Wrap content in <main> and <article>",
      "description": "Semantic HTML landmarks help AI agents identify the main content of your page.",
      "language": "html",
      "code": "<main>\n  <article>\n    <h1>Your Page Title</h1>\n    <p>Your content here...</p>\n  </article>\n</main>",
      "filename": "<body>"
    },
    {
      "id": "add_content_signals",
      "title": "Add Content-Signal directives",
      "description": "Content-Signal tells AI agents how they may use your content. The canonical location is robots.txt, but you can also expose it as an HTTP header from any stack.",
      "language": "txt",
      "code": "User-agent: *\nContent-Signal: search=yes, ai-input=yes, ai-train=no",
      "filename": "/robots.txt",
      "stacks": [
        {
          "id": "robots",
          "label": "robots.txt",
          "language": "txt",
          "filename": "/robots.txt",
          "code": "User-agent: *\nContent-Signal: search=yes, ai-input=yes, ai-train=no"
        },
        {
          "id": "nginx",
          "label": "Nginx",
          "language": "nginx",
          "filename": "server block",
          "code": "# Inside your server { } block:\nadd_header Content-Signal \"search=yes, ai-input=yes, ai-train=no\" always;"
        },
        {
          "id": "apache",
          "label": "Apache",
          "language": "apache",
          "filename": ".htaccess",
          "code": "# In .htaccess (or VirtualHost):\nHeader set Content-Signal \"search=yes, ai-input=yes, ai-train=no\""
        },
        {
          "id": "wordpress",
          "label": "WordPress",
          "language": "php",
          "filename": "functions.php",
          "code": "<?php\n// In your theme's functions.php or a small mu-plugin\nadd_action('send_headers', function () {\n    header('Content-Signal: search=yes, ai-input=yes, ai-train=no');\n});\n\n// Optional: also append the directive to the dynamic robots.txt\nadd_filter('robots_txt', function ($output) {\n    return $output . \"\\nContent-Signal: search=yes, ai-input=yes, ai-train=no\\n\";\n}, 10, 1);"
        },
        {
          "id": "nextjs",
          "label": "Next.js",
          "language": "typescript",
          "filename": "middleware.ts",
          "code": "// middleware.ts (Next.js 13+ App Router or Pages Router)\nimport { NextResponse } from 'next/server';\nexport function middleware() {\n  const res = NextResponse.next();\n  res.headers.set(\n    'Content-Signal',\n    'search=yes, ai-input=yes, ai-train=no'\n  );\n  return res;\n}\nexport const config = { matcher: '/:path*' };"
        },
        {
          "id": "cloudflare",
          "label": "Cloudflare Workers",
          "language": "javascript",
          "filename": "worker.js",
          "code": "// Cloudflare Worker that proxies your origin and adds the header\nexport default {\n  async fetch(request, env, ctx) {\n    const res = await fetch(request);\n    const newRes = new Response(res.body, res);\n    newRes.headers.set(\n      'Content-Signal',\n      'search=yes, ai-input=yes, ai-train=no'\n    );\n    return newRes;\n  },\n};"
        },
        {
          "id": "express",
          "label": "Express / Fastify",
          "language": "javascript",
          "filename": "server.js",
          "code": "// Express\napp.use((req, res, next) => {\n  res.setHeader('Content-Signal', 'search=yes, ai-input=yes, ai-train=no');\n  next();\n});\n\n// Fastify\nfastify.addHook('onSend', (request, reply, payload, done) => {\n  reply.header('Content-Signal', 'search=yes, ai-input=yes, ai-train=no');\n  done();\n});"
        }
      ]
    },
    {
      "id": "add_markdown_negotiation",
      "title": "Support Markdown for Agents",
      "description": "Let AI agents request a clean Markdown version of any page via content negotiation, .md alternate URLs, link tags or Link headers.",
      "language": "html",
      "code": "<!-- Mechanism 3: link tag advertising the .md alternate -->\n<link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">",
      "filename": "<head>",
      "stacks": [
        {
          "id": "html",
          "label": "HTML <head>",
          "language": "html",
          "filename": "<head>",
          "code": "<!-- Mechanism 3: link tag advertising the .md alternate -->\n<link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">"
        },
        {
          "id": "express",
          "label": "Express",
          "language": "javascript",
          "filename": "server.js",
          "code": "// Mechanisms 1 + 4: content negotiation + Link header\napp.get('/page', (req, res) => {\n  res.setHeader('Vary', 'Accept');\n  res.setHeader('Link', '</page.md>; rel=\"alternate\"; type=\"text/markdown\"');\n  if ((req.headers.accept || '').includes('text/markdown')) {\n    res.type('text/markdown; charset=utf-8');\n    return res.send(renderMarkdown('page'));\n  }\n  res.render('page');\n});"
        },
        {
          "id": "fastify",
          "label": "Fastify",
          "language": "javascript",
          "filename": "server.js",
          "code": "// Mechanisms 1 + 4: content negotiation + Link header\nfastify.get('/page', async (req, reply) => {\n  reply.header('Vary', 'Accept');\n  reply.header('Link', '</page.md>; rel=\"alternate\"; type=\"text/markdown\"');\n  if ((req.headers.accept || '').includes('text/markdown')) {\n    return reply.type('text/markdown; charset=utf-8').send(renderMarkdown('page'));\n  }\n  return reply.view('/page.ejs');\n});"
        },
        {
          "id": "nextjs",
          "label": "Next.js",
          "language": "typescript",
          "filename": "app/page/route.ts",
          "code": "// Next.js App Router — Route Handler returning Markdown\nimport { NextRequest } from 'next/server';\nimport { renderMarkdown } from '@/lib/md';\nexport async function GET(req: NextRequest) {\n  const accept = req.headers.get('accept') || '';\n  if (accept.includes('text/markdown')) {\n    return new Response(await renderMarkdown('page'), {\n      headers: {\n        'Content-Type': 'text/markdown; charset=utf-8',\n        'Vary': 'Accept',\n      },\n    });\n  }\n  // Fall through to the page component\n  return new Response(null, { status: 404 });\n}"
        },
        {
          "id": "wordpress",
          "label": "WordPress",
          "language": "php",
          "filename": "functions.php",
          "code": "<?php\n// Mechanism 1: respond to Accept: text/markdown on the same URL\nadd_action('template_redirect', function () {\n    if (!is_singular()) return;\n    $accept = $_SERVER['HTTP_ACCEPT'] ?? '';\n    if (strpos($accept, 'text/markdown') === false) return;\n    header('Content-Type: text/markdown; charset=utf-8');\n    header('Vary: Accept');\n    $post = get_queried_object();\n    echo \"# \" . get_the_title($post) . \"\\n\\n\";\n    echo wp_strip_all_tags(apply_filters('the_content', $post->post_content));\n    exit;\n});"
        },
        {
          "id": "static",
          "label": "Hugo / Jekyll / Astro",
          "language": "txt",
          "filename": "static/page.md",
          "code": "# Mechanism 2: serve .md alongside .html\n# Hugo: place page.md in /static/ — built unchanged\n# Jekyll: drop page.md in /assets/ — copied as-is\n# Astro: src/pages/page.md.ts that exports a GET returning markdown\n\n# Then advertise with mechanism 3 in <head>:\n#   <link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">"
        }
      ]
    }
  ]
}

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