26. september 2023

Vextir sjóðfélagalána Gildis hækka

Stjórn Gildis hefur ákveðið að hækka vexti sjóðfélagalána og er breytingin eftirfarandi:

  • Breytilegir vextir óverðtryggðra lána hækka um 50 punkta. Vextir grunnlána verða 10,35% og viðbótarlána 11,10%.
  • Breytilegir vextir verðtryggðra lána hækka um 45 punkta. Vextir grunnlána verða 3,10% og viðbótarlána 3,85%.
  • Fastir vextir verðtryggðra lána hækka um 45 punkta. Vextir grunnlána verða 3,45% og viðbótarlána 4,20%.

Hækkun fastra verðtryggðra vaxta hefur þegar tekið gildi en breytilegir vextir munu hækka 5. nóvember.

Frá og með 5. nóvember mun vaxtatafla sjóðsins líta svona út:

Grunnlán (allt að 65% veðhlutfall) Viðbótarlán (65-75% veðhlutfall)
Verðtryggt – fastir vextir 3,45% 4,20%
Verðtryggt – breytilegir vextir 3,10% 3,85%
Óverðtryggt – breytilegir vextir 10,35% 11,10%

Interest rates raised

The board of Gildi has decided to raise the interest rate on mutual fund loans. Non-indexed interest will be increased by 0.50% and indexed interest will be increased by 0.45%. The increase in indexed loans with fixed interest has taken place already, but the increase in variable interest will occur on the 5th of November.

After the change, the variable interest rate for non-indexed basic loans will be 10.35%, and for additional loans 11.10%. The variable interest rate for indexed basic loans will be 3.10% and for additional loans 3.85%. The fixed interest rates for indexed basic loans will be 3.45% and for additional loans 4.20%

As of November 5th, the fund‘s interest rate table will look like this:

Basic loans (up to 65% mortgage ratio) Additional loans (65-75% mortgage ratio)
Indexed - Fixed interest 3.45% 4.20%
Indexed - Variable interest 3.10% 3.85%
Non-indexed - Variable interest 10.35% 11.10%