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[o]" accesskey="o" class=""><span>Skrá inn</span></a> </li> </ul> </div> </div> </div> <div id="vector-user-links-dropdown" class="vector-dropdown vector-user-menu vector-button-flush-right vector-user-menu-logged-out" title="Frekari valkostir" > <input type="checkbox" id="vector-user-links-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-user-links-dropdown" class="vector-dropdown-checkbox " aria-label="Persónuleg verkfæri" > <label id="vector-user-links-dropdown-label" for="vector-user-links-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-ellipsis mw-ui-icon-wikimedia-ellipsis"></span> <span class="vector-dropdown-label-text">Persónuleg verkfæri</span> </label> <div class="vector-dropdown-content"> <div id="p-personal" class="vector-menu mw-portlet mw-portlet-personal" title="Notandavalmynd" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport" class="user-links-collapsible-item mw-list-item"><a href="https://donate.wikimedia.org/?wmf_source=donate&wmf_medium=sidebar&wmf_campaign=is.wikipedia.org&uselang=is"><span>Fjárframlög</span></a></li><li id="pt-contribute" class="mw-list-item"><a href="/wiki/Kerfiss%C3%AD%C3%B0a:Contribute"><span class="vector-icon mw-ui-icon-edit mw-ui-icon-wikimedia-edit"></span> <span>Taka þátt</span></a></li><li id="pt-createaccount" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Kerfiss%C3%AD%C3%B0a:B%C3%BAa_til_a%C3%B0gang&returnto=Skuldabr%C3%A9f&returntoquery=action%3Dedit%26section%3D2" title="Þú ert hvattur/hvött til að búa til aðgang og skrá þig inn; en það er ekki skylda"><span class="vector-icon mw-ui-icon-userAdd mw-ui-icon-wikimedia-userAdd"></span> <span>Búa til aðgang</span></a></li><li id="pt-login" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Kerfiss%C3%AD%C3%B0a:Innskr%C3%A1&returnto=Skuldabr%C3%A9f&returntoquery=action%3Dedit%26section%3D2" title="Þú ert hvattur/hvött til að innskrá þig, það er hinsvegar ekki skylda. [o]" accesskey="o"><span class="vector-icon mw-ui-icon-logIn mw-ui-icon-wikimedia-logIn"></span> <span>Skrá inn</span></a></li> </ul> </div> </div> <div id="p-user-menu-anon-editor" class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> Síður fyrir útskráða notendur <a href="/wiki/Hj%C3%A1lp:Introduction" aria-label="Læra meira um breytingar"><span>Læra meira</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anontalk" class="mw-list-item"><a href="/wiki/Kerfiss%C3%AD%C3%B0a:Spjallas%C3%AD%C3%B0a_m%C3%ADn" title="Spjall um breytingar frá þessu IP-staðfangi [n]" accesskey="n"><span>Spjall</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="Vefsíða"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <h1 id="firstHeading" class="firstHeading mw-first-heading">Skoða frumkóða fyrir Skuldabréf</h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Þessi grein er bara til á þessu tungumáli. 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The blocked range is 8.222.128.0/17. </p><p>Hafðu allar upplýsingarnar hér fyrir ofan með í þeim fyrirspurnum sem þú sendir. </p> If you believe you were blocked by mistake, you can find additional information and instructions in the <a href="https://meta.wikimedia.org/wiki/Special:MyLanguage/Stewards/Wizard" class="extiw" title="m:Special:MyLanguage/Stewards/Wizard">Stewards Block Wizard</a>.</div></div><hr /> <p>Þú getur skoðað og afritað frumkóða þessarar síðu. </p><textarea readonly="" accesskey="," id="wpTextbox1" cols="80" rows="25" style="" class="mw-editfont-monospace" lang="is" dir="ltr" name="wpTextbox1">== Helstu tegundir skuldabréfa == Ýmsar tegundir skuldabréfa eru í boði sem kveða á um mismunandi lánstíma og vaxtastig. === Víxlar === Eru [[skammtímalán]], ætluð til skemmri tíma en eins árs. [[Víxlar]] eru að jafnaði óverðtryggðir og algengt er að þeir séu til eins eða fárra manaða í senn. Vextir á víxlum eru greiddir í upphafi lánstímans vegna svokallaðra forvaxta, sem víxlar bera. Sú vaxtagreiðsla dregst frá upphaflegum höfuðstól og fær lánþeginn mismuninn. Miðað við 10% forvexti á 90 daga víxli, sem nemur 100.000 kr. yrði kaupverð hans 97.645 kr. <ref name=":0" /> === Skuldabréf með vaxtamiðum === Algengustu skuldabréfin í heiminum eru skuldabréf með vaxtamiðum. Vextir þeirra eru greiddir reglulega út lánstímann. Á síðasta [[vaxtagjalddagi|vaxtagjalddaga]] er upphaflega lánsfjárhæð að auki greidd.<ref name=":0" /> === Eingreiðslubréf === Eru stundum nefnd kúlulán, greiðast að fullu í lok lánstímans með uppgreiðslu höfuðstóls og vaxta auk vaxtavaxta. Vaxtavextir greiðast af vöxtum, sem hafa lagst við höfuðstól.<ref name=":0" /> === Spariskírteini ríkissjóðs === Spariskírteini ríkissjóðs eru dæmi um eingreiðslubréf, sem eru algengustu skuldabréfin á Íslandi.<ref name=":0" /> === Skuldabréf með jöfnum afborgunum === Skuldabréf með jöfnum afborgunum eru greidd til baka með jöfnum greiðslum af upphaflegum höfuðstól. Vaxtagreiðslur á þannig skuldabréfi eru hæstar í upphafi endurgreiðslutímabilsins en lækka síðan samhliða lækkandi höfuðstól. Afborganir af þessum skuldabréfum geta bæði verið með reglulegu og óreglulegu tímabili.<ref name=":0" /> === Jafngreiðslubréf === Jafngreiðslubréf með reglulegum afborgunum dreifa afborgunum höfuðstóls og vaxta jafnt út lánstímann. Í fyrstu eru vaxtagreiðslur hátt hlutfall endurgreiðslu af slíku bréfi en greiðsla af höfuðstól er lág. Hlutfall höfuðstóls í endurgreiðslu eykst þegar líður á lánstímann og vaxtahlutfall lækkar. [[Lán]] Byggingarsjóðs ríkisins eru dæmi um jafngreiðslubréf.<ref name=":0" /> === Víkjandi skuldabréf === Víkjandi skuldabréf víkja þegar aðrar kröfur eru gerðar á útgefandann. Endurgreiðsla skuldabréfanna er oftast í formi eingreiðslu, en einnig með öðrum aðferðum. Slíkar skuldir flokkast með eigin fé en ekki skuldum, þegar þær eru færðar í efnahagsreikning fyrirtækja.<ref name=":0" /> === Fasteignatryggð skuldabréf === Fasteignatryggð skuldabréf eru tryggð með veði í fasteign. Nái útgefandinn ekki að greiða skuldina á réttum tíma getur eigandi skuldabréfsinsins gengið að fasteignaveðinu og er fasteignin þá selda á uppboði. Andvirðið gengur síðan upp í skuldina. Margar leiðir eru færar til þess að greiða fasteignatryggð skuldabréf.<ref name=":0" /> === Skuldabréf með breytilegum vöxtum === Skuldabréf með breytilegum vöxtum hafa breytilega vexti sem taka mið af ákveðnum viðmiðum, meðalvexti [[Seðlabanki Íslands|Seðlabanka Íslands]] ofl. Eigandi skuldabréfsins getur því átt von á að vaxtagreiðslur geti breyst á milli gjalddaga. Flest skuldabréfalán einstaklinga bera breytilega vexti og eru oftast ekki fáanleg á almennum skuldabréfamarkaði.<ref name=":0" /> === Breytanleg skuldabréf === Breytanleg skuldabréf eru gefin út af hlutafélögum og þeim má breyta í hlutabréf á ákveðnu [[gengi]]. Það gengi er í mörgum tilvikum nokkuð hærra en gengi hlutabréfs við útgáfu skuldabréfsins. Vextir venjulegra skuldabréfa eru aftur á móti oft hærri en vextir breytilegra skuldabréfa. Ef markaðsverð hlutabréfa viðkomandi fyrirtækis hækkar umfram viðmiðunarverð, samkvæmt skilmálum skuldabréfsins, getur eigandi skuldabréfsins ákveðið að breyta því í hlutabréf eða valið að eiga skuldabréfið áfram til gjalddaga.<ref name=":0" /> Eigandi skuldabréfsins fengi þannig hlutabréf á lægra verði en á markaðsvirði, kysi hann svo, og getur innleyst gengishagnað strax, selji hann hlutabréfin í kjölfarið. === Innkallanleg skuldabréf === Slík bréf er hægt að innkalla fyrir endanlega gjalddaga þess. Eigandi bréfsins hefur einnig rétt til þess að krefja skuldarann um greiðslu áður en að endanlegum gjalddaga kemur. Innlausn eða innköllun er heimil einu sinni á ári á ákveðinni dagsetningu. Nokkrir flokkar spariskírteina ríkissjóðs eru dæmi um slíkt.<ref name=":0" /> === Verðtryggð skuldabréf === Fyrstu verðtryggðu lánin sem vitað er um, voru gefin út árið 1780 af bandarísku fyrirtæki og útgáfa verðtryggðra ríkisskuldabréfa og fyrirtækjabréfa á sér stað í nánast öllum þróuðum löndum í heiminum. Höfuðstóll verðtryggðra skuldabréfa breytist í takt við verðlag. Af þeim sökum eru nafnvextir verðtryggðra lána lægri en óverðtryggðra lána, sem nemur verðbólguvæntingum á ári út lánstímann. 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