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Sufleirieneinn_skuldari_ԀtgefenduraW_skuldabrfi_ԀeWa_tryggingarbrfi_Ԁskv.1.mgr.skal  niWurfelling_stimpilgjalds_ԀafskjalinufaraeftirhlutYess_skuldara_ԀsemuppfyllirskilyrWi { YessarargreinarumfyrstukaupbWarhsnWi. nF   Hafimakikaupandaog_skuldara_,eWasambWaraWili,WurveriWskrWur_YinglUstur_Ԁeigandi 9  aWbWarhsnWiskalrtturYesssemuppfyllirskilyrWigreinarinnartilniWurfellingar ! _stimpilgjalds_ԀaldreiverameiriennemurhelmingiafannarskvrWuWu_stimpilgjaldi_Ԁhins " _stimpilfrjlsa_Ԁskjals. r#   MeWvsantil12.og13.gr.skuluYeiraWilarsemhafahendi_stimplun_Ԁskjalakanna,viW e =$ kvrWunum_stimpilgjald_Ԁ_skuldabrfs_ԀeWa_tryggingarbrfs_ԀsemtryggtermeWveWioggefiW 0!% ttil_fjrmgnunar_ԀfyrstukaupabWarhsnWi,hvortskilyrWiYessarargreinarumniWur !& fellingu_stimpilgjalds_,aWhlutatileWaaWfullu,suuppfyllt.0YvskynierYeimheimiltaW "' ;skaeftirggnumfrkaupandaog_skuldara_ԀenaWjafnaWiskulueftirfarandiggnliggjafyrir: #i( ! ! 6(Eh883"i(m"  i(m;2Eh  a  .3  Ԉ0    Afritaf_YinglUstum_Ԁ_kaupsamningi_,afsalieWaannarri_eignarheimild_Ԁvegnafasteignarsem \$4 ) hiW_stimpilfrjlsa_ԀskjalergefiWttil_fjrmgnunar_Ԁkaupa.i(m;h݌'% * Ќ  "i(m"  i(mp2Eh  b  .3  Ԉ0    StaWfestingrLandskrfasteignaaWkaupandihafiekkiWurveriWskrWur_YinglUstur_ %!+ eigandiaWbWarhsnWi.i(mp݌&", Ќ  "i(m"  i(m 2Eh  c  .3  Ԉ0    &  StaWfestingum_hjskaparstWu_ԀkaupandaoghvortmakihanseWasambWaraWilihafi '`#- WurveriWskrWur_YinglUstur_ԀeigandiaWbWarhsnWi.''i(m :݌#S(+$. #Ќ  _  0samrmiviW13.gr.erunntaWskj;takvrWunum_stimpilgjald_ԀundirrskurWfjrmla ( rWuneytisinsinnantveggjamnaWafrdagsetninguhennar.    UmviWurlgviWbrotumgreinYessariferskv.37.gr.    FjrmlarWherraerheimiltaWkveWareglugerWnnarumfyrirkomulagniWurfellingar a _stimpilgjalds_ԀsamkvmtgreinYessari. T, @==!2.gr.    LgYessiWlastgildi1.jl2008ogtakatilskjalasemgefineruteftirYaWtmamark.   @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd0#Ԉ K #    MeWfrumvarpiYessuerlagttilaWskuldabrfog_tryggingarbrf_ԀsemtryggWerumeWveWi    fasteignoggefineruttil_fjrmgnunar_ԀfyrstukaupabWarhsnWiskuliveraundan    Yegin_stimpilgjaldi_Ԁsamkvmtlgumnr.36/1978,um_stimpilgjald_,aWuppfylltumnnar   tilgreindumskilyrWum.0lgumum_stimpilgjald_ԀertalaWumaWskjlsemundanYegineru wO  _stimpilgjaldi_Ԁsu_stimpilfrjls_ԀogerYaWhugtaknotaWfrumvarpinu. B    ErfrumvarpiWlagtframkjlfaryfirlUsingarrkisstj;rnarinnarfr17.febrar2008    tengslumviWgerWkjarasamningaenYarkemureftirfarandifram:?Xmunrkisstj;rninbeita   srfyrirYvaW_stimpilgjld_ԀfalliniWurvegnalnatilkaupafyrstufasteign.  {    0frumvarpinuernnarafmarkaWhvaWtterviWmeWlnumtilkaupafyrstufasteign.0 nF YvskynierlagttilaWeftirfarandiskilyrWiYurfiaWverauppfyllttilaWviWkomandiskjals 9 _stimpilfrjlst_Ԁskilningilaganr.36/1978,um_stimpilgjald_:    FyrstaskilyrWiYessaWskjals_stimpilfrjlst_ԀeraWkaupandiviWkomandifasteignar,og  _skuldari_Ԁsamkvmthinu_stimpilfrjlsa_Ԁskjali,hafiekkiWurveriWskrWursem_YinglUstur_ r eigandiaWfasteign.0gegnumLandskrfasteignaerhgtaWnlgaststaWfestinguYvaW e= viWkomandieinstaklingursekkioghafiekkiWurveriWskrWursem_YinglUstur_ԀeigandiaW 0 fasteign.VerWifrumvarpiWaWlgumverWurmeW_kerfisbreytingu_ԀLandskrfasteignahgt  aWkomaYvYannigfyriraWsUslumenngeti,landsvsu,staWfestslktbeintgegnumYann  aWgangsemYeirhafaaWLandskrfasteigna.MeWYessuskilyrWierleitastviWaWtryggjaaW i umfyrstubWarkaupviWkomandisaWrWa. \4   NtengtYessuskilyrWiertekiWfram5.efnismgr.1.gr.frumvarpsinsaWefmakikaup ' andaog_skuldara_,eWasambWaraWili,sYegarskrWur_YinglUstur_ԀeigandiaWbWarhsnWi  skulirtturYesssemuppfyllirskilyrWigreinarinnaraldreiverameiriennemurhelmingiaf  annarskvrWuWu_stimpilgjaldi_Ԁhins_stimpilfrjlsa_Ԁskjals.ErYarveriWaWhorfatilYessYegar `  hj;neWasambWarf;lkkaupirfasteignsameiningu.Lj;steraWfjlmargirhafaaldreiveriW S+! skrWirsem_YinglUstir_ԀeigenduraWfasteignYrttfyriraWhafa,gegnumhjskap,biWeigin " bWarhsnWiumraraWir(Y.e._YinglUst_Ԁ_eignarheimild_ԀfasteignarerYeinvrWungunafni # annarsmaka).MeWhliWsj;nafYvertaliWeWlilegt,ogsamrmiviWyfirlUsingurkisstj;rn  $ arinnar,aWkomavegfyrirhugsanlegamisnotkunniWurfellingu_stimpilgjalds_Ԁsemflist !W% YvaWnUrrifasteignhj;na,oglntkum,vrialfariW_YinglUst_ԀnafnYessaWilasemaldrei J""& WurhefurveriWskrWur_YinglUstur_ԀeigandiaWfasteignogYannigkomistaWfulluhjgreiWslu #' _stimpilgjalds_ԀYrttfyriraWekkisumraunverulegfyrstukaup_sambWaraWila_ԀaWrWa. #(   Efum_sambUlisf;lk_ԀeWahj;neraWrWa,semverWaskrWfyrir50%eignarhlutafasteignar $ ) hvortumsig,geturYvniWurfelling_stimpilgjalds_ԀvegnalntkuveriW100%efbWiraWilar v%N!* uppfyllaskilyrWiumfyrstukaupeWa50%efumfyrstukauperaWrWahjWrumaWilanum. A&"+ EftveiraWilareruYvjafntskrWirsem_lntakendur_ԀviWkomandi_skuldabrfi_Ԁogeingngu  '", hjWrumYeirraerumfyrstukaupaWrWaberaWfellaniWurhelmingafannarskvrWuWu '#- _stimpilgjaldi_.0frumvarpinuerYvtalaWumaWniWurfelling_stimipilgjalds_ԀgetiveriWaWhluta ( tileWaaWfullu,eftirYvhvortumfleirieneinn_skuldara_ԀsaWrWaoghverjirYeirrauppfylli  YskilyrWilaganna.    AnnaWskilyrWi_stimpilfrelsis_ԀeraWkaupandifasteignars_YinglUstur_ԀeigandiaWa.m.k. a 50%eignarhlutahinnikeyptufasteign.ErslktskilyrWitaliWeWlilegtYarsemalgengteraW T, hj;neWasambWarf;lksskrWjfnumhlutfllumfyrirbWarhsnWisemYaukaupa  sameiningu.EinnigertaliWeWlilegtaWsetjakveWiWlgmarktilaWkomavegfyrir_mla  myndagerninga_ԀtilaWkomasthjgreiWslu_stimpilgjalds_Ԁvegnalntku.     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J""& hvortYaufalliundir35.gr.lagannaYarsemtaliWerupphvaWaskjleru_stimpilfrjls_.SUslu #' mennhafaYvYegarslktmatmeWhndum,umtku_stimpilgjalds_ԀeWaniWurfellinguYess. #(   MeWvsantil12.og13.gr.lagannakveWurfrumvarpiWYvumaWYeiraWilarsemhafa $ ) hendi_stimplun_Ԁskjalaskulikanna,viWkvrWunum_stimpilgjald_Ԁskuldabrfaog_trygg v%N!* ingarbrfa_ԀsemtryggWerumeWveWioggefineruttil_fjrmgnunar_ԀkaupafyrstabWar A&"+ hsnWi,hvortskilyrWiumniWurfellingu_stimpilgjalds_,aWhlutatileWaaWfullu,suuppfyllt.  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B  SkilyrWifrumvarpsinseraWhiWstimpilfrjlsaskjalsgefiWttilfjrmgnunartiltekinna    fasteignakaupasemeigasrstaWsamatmaoghiWstimpilfrjlsaskjalergefiWt,Y.e.aW   beintsamhengismilliYessaraskjala.AWWrumkostivriopnaWfyrirYaWaWlntakavegna {  breytingaogendurb;tafasteignumvriundanYeginstimpilgjaldi. nF   ViWbyggingufasteignaerupphafiofttekiWsvokallaWframkvmdalnsemtryggtermeW 9 veWil;Wfasteignar.XegarviWkomandifasteignerorWinfokheldersWanhgtaWYinglUsa  bWarlnihana.SuskilyrWifrumvarpsinsaWWruleytiuppfylltvriunntaWfarafram  niWurfellingustimpilgjaldsvegnaframkvmdalnsogsWarbWarlnsaWYvgefnuaW r samanlgWlnsfjrhWskjalannasekkihrriennemurverWmtiviWkomandifasteignar, e= sbr.YaWsemWurhefurkomiWframvarWandiskilyrWiWumaWniWurfellingstimpilgjaldsgeti 0 aldreitekiWtilhrrifjrhWarennemurkaupverWifasteignarinnar.EftirsemWurerlitiWsvo  aWbeintsambandYurfiaWveramillitgfuviWkomandilnsskjalsogbyggingarfast  eignarinnar,Y.e.skjaliWsgefiWttilfjrmgnunarbyggingarbWarhsnWistileiginnota. i   SbeiWandiniWurfellingar;stturviWkvrWunsUslumanns,bankaeWasparisj;Ws,um \4 tkustimpilgjalds,geturhann,samrmiviW13.gr.laganna,skotiWYeirrikvrWunundir ' rskurWfjrmlarWuneytisinsinnantveggjamnaWafrkvrWun.EfhlutaWeigandivilleigi  heldurunarskurWirWuneytisinsgeturhannlagtmliWfyrird;mst;la.    037.gr.lagannakemurframaWbrotlgunumvarWisektumogaWsmurefsinguskulu `  sstasemgefurrangarskUrslurumatriWiermliskiptaviWkvrWunstimpilgjaldso.fl.Er S+! frumvarpinuvsaWYessagreinvarWandiviWurlg. "   MeWfrumvarpinuerlagttilaWrWherragetireglugerWkveWiWnnarumtfrslur # varWandiYniWurfellingustimpilgjaldssemgreininkveWurum.  $   ViWsamningufrumvarpsinsvarhorfttilYesshvernigaWrarYj;WirhafatfrtniWur !W% fellingustimpilgjaldavegnalnatilkaupafyrstufasteign.ErslkkvWiaWfinnalggjf J""& Finnlandsog0rlands,sbr.eftirfarandi: #'   0FinnlandierueinstaklingarsemfjrfestasinnifyrstufasteignundanYegnirstimpilgjaldi #( efkveWnumskilyrWumerfullngt.GerterskilyrWiaWkaupandieignistminnst50%fast $ ) eigninnioghnskuliveraheimilikaupandanstutvrfrkaupum.KaupandiverWuraW v%N!* veraaWminnstakosti18raenY;ekkieldrien40raviWundirritunkaupsamningsogsu A&"+  afsalshafarfleirieneinngildirundanYganeinungishlutfalliviWeignarhluthversog_eins.  '", Skattstj;rigefurtstaWfestinguYess&   efnisaWaWilisundanYeginn_stimpilskyldu_Ԁsembyggist ( _skattskUrslu_ԀviWkomandikaupanda'(m.    0rlandierueinstaklingarsemkaupasnafyrstufasteignundanYegnir_stimpilgjaldi_ԀaW  uppfylltumkveWnumskilyrWum.KaupandimekkihafaWurkeyptfasteign,einneWameW a Wrum,hlutfasteign0rlandieWaerlendis.KeyptfasteignverWuraWveraheimilikaupanda T, a.m.k.nstutvreftirkaup.SkilyrWieraWallt_kaupf_ԀverWuraWkomafrkaupanda,Y.m.t.  lnsf.EruY;undanYegnirYeirfjrmunirsemkomatilYegarforeldrarhjlpabrnumsnum  viWkaupeWaYegarnnurskyldmennieWavinirhjlpameWuppfylltumkveWnumskilyrWum   semsetterulgum.Ennfremurm_fasteignin_Ԁekkiverastrrien125_fm_.  X   undanfrnumrumhafatekjurrkissj;Wsaf_stimpilgjaldi_ԀveriW;venjumiklar,einkum K #  vegnamikillaumsvifafasteignamarkaWi.Hstf;r_innheimtan_Ԁrinu2005,Yegarskil    _stimpilgjalds_Ԁrkissj;WnmuliWlega9milljrWumkr.SamkvmtupplUsingumfrFjrsUslu    rkisinsnaminnheimta_stimpilgjaldi_Ԁ6,2milljrWumkr.rinu2007.Xarafnemurinn   heimta_stimpilgjalds_ԀaflnumsemtekinvoruvegnafyrstukaupabWarhsnWium600 wO  millj.kr.,lauslegatlaW.FyrirligguraWumsviffasteignamarkaWihafadregistverulega B  samanundanfrnummnuWum.XaWYUWiraWtlaW_tekjutap_Ԁrkissj;Wsaf_stimpilfrelsi_    skuldabrfaog_tryggingarbrfa_ԀvegnakaupafyrstufasteignverWurvntanlegaumtalsvert   minnaeninnheimtvarafYeimstofnirinu2007.ViWeWlilegar_markaWsaWstWur_Ԁmtla {  miWaWviWinnheimtunaundangenginraWsfjrhWgetinumiWalltaW500millj.kr.rs nF grundvelli. 9   LagtertilaWgildistakalagannaverWi1.jl2008.EinsogWursegirYarfaWframkvma  kveWnar_kerfisbreytingar_ԀtilaWopnafyriraWgengisUslumannaaWLandskrfasteigna  tengslumviWsnnunYvaWumfyrstufasteignakaupsaWrWa. r  Fylgiskjal.  3 iAU?) dE? 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