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"   Greinaskalsrstaklegaeffasteignasalihefureinnrtttilslueignaroghvelangantma # srtturhansaWstanda.  $   10.gr. J""& Sluyfirlit. #' KI  StraxogfasteignasalifreigntilslumeWferWar,eWahonumerfaliWaWgangafrkaup #( tilboWiog/eWakaupsamningiumeign,semekkiertilslumeWferWarhjWrumfasteignasala $ ) ogekkihefurveriWgertsluyfirlitumogafhentkauptilboWsgjafa,skalhannsemjarkilegt v%N!* yfirlitumYauatriWisemskiptgetamliviWslueignarinnar. A&"+   WurentilboWergerteignskalvntanlegumtilboWsgjafaafhentsluyfirlitiWogskal  '", hannstaWfestam;ttkuYessmeWnafnritunsinniogdagsetningu. '#-   &  FasteignasaliskalaflaundirskriftarseljandayfirlUsinguumaWefnisluyfirlitsskv.1. ( mgr.srttsamkvmtbestuvitundhans.'(xL    NersluyfirliteldraenYriggjamnaWaogskalYfasteignasaliuppfrasluyfirlitnema  engarbreytingarhafiorWiWsemltaaWefniYess. a   11.gr.  Efnisluyfirlits.  $N  FasteignasaliskalgtaYessvandlegaaWsluyfirlitikomiframllgrundvallaratriWium   eiginleikaogstandeignarinnarsem,samtskoWunkaupandaeignYegarviW,mtlaaW  X getiveriWgrundvllurkvrWunarhansumhvorthannkaupireigninaoghvaWaverWhanner K #  tilbinnaWgreiWafyrirhana.      0sluyfirlitiskalaukalmennrarlUsingarfasteignm.a.komafram:    ! ! (g00"i(m"  i(mIQ2g  a  .3  Ԉ0    sluverWYaWsemeigandi;skaraWffyrireignsYaWkveWiW,i(mIQvQ݌  Ќ  "i(m"  i(mR2g  b  .3  Ԉ0    staWsetningeignarognmer,strWhennarsamkvmtopinberumskrm,fasteignamat, wO  brunab;tamat,byggingarlagogbyggingarefniogbyggingarreignarogeinstakrahluta B  hennarefviW;teikningsemsUnifyrirkomulaginnanhssskaljafnanverafyrirhendi,    svoogl;Waruppdrtturshanntil,i(mRR݌  Ќ  "i(m"  i(mT2g  c  .3  Ԉ0    upplUsingarumstandeignarogeinstakrahlutahennar,YarmeWalumgallasemselj {  andaog/eWafasteignasalaerkunnugtumeign,i(mTT݌nF Ќ  "i(m"  i(mUV2g  d  .3  Ԉ0    fstgjldafeigninni,hvlandiveWskuldir,kvaWirognnureignahft,samkvmtveW 9 b;karvottorWi;tilgreinaskaleftirstWvaroglnskjr,YarmeWalvextiogverWtryggingu  allrahvlandiveWskuldaogkvaWaogtilgreinasrstaklegaefskuldervanskilum;um  YrveWskuldirsemfylgjaeigaviWsluskaltilgreinafjlda;greiddraafborganaog r hvortheimilteraWyfirtakaYrmeW;breyttumlnskjrumogefsvoerekki,skaltil e= greinahvaWabreytingarmegitlaaWverWioghvorteinhverannarkostnaWurfylgiyfir 0 tkunni,i(mUVV݌ Ќ  "i(m"  i(mZ2g  e  .3  Ԉ0    kostnaWursemkaupandihefurafkaupum,YarmeWalYinglUsingarkostnaWur,stimpil  gjld,umsUslukostnaWurkaupanda,lntkukostnaWursYaWunnto.fl.,i(mZ5Z݌i Ќ  "i(m"  i(m[2g  f  .3  Ԉ0    tekjurafeigninniefumeraWrWaeignsemtluWertilatvinnustarfsemi,i(m[[݌\4 Ќ  "i(m"  i(m\2g  g  .3  Ԉ0    afhendingarstandeignarsemselder;fullgerW,ogskalYaWverasamrmiviWstaWla ' semterugefnirafopinberumstofnunumerannastbyggingarranns;knireWabyggingar  eftirlit,i(m\]݌ Ќ  "i(m"  i(m^2g  h  .3  Ԉ0    hsgjldogyfirstandandieWavntanlegarframkvmdirsembiWeraWkveWafundi `  hsflags,sumfjleignarhsaWrWa,ogumstWueigandagagnvarthssj;Wiogfram S+! kvmdasj;Wihsflags,i(m^^݌" Ќ  "i(m"  i(m`2g  i  .3  Ԉ0    eignaskiptayfirlUsingeWasamningursumfjleignarhsaWrWa,i(m``݌# Ќ  "i(m "  i(ma2g  j  .3  Ԉ0    nnuratriWisemkunnugterum,svosemskUrslurumstandeignarsemgerWarhafa  $ veriW.i(maa݌!W% Ќ    Sambrilegtyfirlitskal,eftirYvsemviWgeturtt,gertvegnasluskipi. J""&   12.gr. #( flunupplUsingavegnasluyfirlits. $ ) c  FasteignasaliskalaflaupplUsingasemframeigaaWkomasluyfirliti.Skalhannskja v%N!* upplUsingaropinberarskrrogskUrslurefunnter,enstandfasteignar,gerWhennarogbn A&"+  aWsemfylgjaviWsluskalhannkynnasrafeiginraun.  '",   & a  FasteignasaliberbyrgWYvefupplUsingarsluyfirlitireynastrangareWa;fullngj ( andi,endasumaWkennagleysihanseWaYeirraerstarfahansYgu.    Skyldaseljandatil'a(ueaWveitaupplUsingarsamkvmtlgumumfasteignakauper;hW  skyldumfasteignasalasamkvmtlgumYessum. a   13.gr.  Kynningfasteignasalaeign.  Hg  FasteignasaliskalviWkynningueignsemhannhefurtilslumeWferWargtaYessaWupp   lUsingarsemveittareruumhanaoglUsingarhennisurttarogsembestusamrmiviW  X eiginleikaogstandeignarinnar.Skalhanngtah;fslUsingumeigninni. K #    FasteignasaliskalgetaskUrleganafnssnsllumauglUsingumogkynningumeign.S    firmanafnfasteignasluauglUsteWakynntskalnafnfasteignasalaeinnigkomafram.Sann    arrastarfsmannafasteignasalaeinniggetiWauglUsingumskalYaWgertmeWYeimhttiaW   ekkileikivafihvaWafasteignasaliberibyrgWslumeWferWinnioghvaWafasteignasali wO  annistmillignguhverjusinni,sbr.2.gr. B    14.gr.   FasteignasaliskalverasjlfstWurog;hWurstrfumsnum. {  Vk  Fasteignasalaogstarfsmnnumhanser;heimiltaWkaupaeignsemfasteignasalanum nF hefurveriWfalintilslumeWferWar. 9   Fasteignasalaer;heimilmilligangaumkaupeWaslufasteignshanneWamakihans,  starfsmennhanseWamakarYeirraeWaflageigufasteignasalaeWastarfsmanna,eigendur  hennareWaverulegshlutahennar. r   Fasteignasalaogstarfsmnnumhanser;heimilmilligangaefYeirbayfirsrstkumupp e= lUsingumumfasteigninasemhafaYUWinguviWslunaogaWrirhafaekkiaWgangaW. 0   FasteignasaliskaltilkynnaaWilumtafarlaustmeWsannanlegumhttihafihannnokkurra  annarrahagsmunaaWgtaenYeirraervarWagreiWsluY;knunarogtlagWskostnaWar.    15.gr. \4 Fasteignasaliskalgtahagsmunakaupandaogseljanda. ' o  Fasteignasaliskalhvvetnaleysaafhendistrfsnsvosemg;WarviWskiptavenjurbj;Wa.  HannskalliWsinnabWumaWilum,seljandaogkaupanda,oggtarttmtrahagsmunaYeirra.  HannskaleinniggtaYessaWaWilasueigisettir;lgmtir,;sanngjarnireWa;eWlilegir `  kostirsamningum. S+!   16.gr. # Samnings-ogskjalagerW.  $ r  FasteignasalaerskyltaWannastallaskjalagerWviWslufasteignaogskalgetaYessskjl !W% unum,YarmeWalsluyfirliti,kauptilboWi,kaupsamningi,afsali,veWbrfiogskuldabrfi, J""& hversamiWhafi.SkalnafnfasteignasalakomaframsvoeigiverWiumvillst. #'   llskjalagerWogsamningsgerWskalvnduWogsvorgarWigerWaWhagsmunirbeggja #( aWilasutryggWirogrttarstaWahvorsumsigsglgg.FasteignasalaberaWstaWfestameW $ ) undirritunsinnisamYykktkauptilboW. v%N!*   A&"+   & ,  17.gr. ( Vrslufjrreikningar.  `u  FasteignasalaerskyltaWhaldafjrmunum,semhanntekurviWYguannarra,aWgreindum  freiginf.SkuluslkirfjrmunirvarWveittir',(lusrstkumvrslufjrreikningi.Vextir,sem a vrslufkunnaaWfalla,rennatileigandaYess.FasteignasalierekkieigandiinnstWu T, vrslufjrreikningisamkvmtYessarigreinoginnstWanerekkihftandlagaWfarargerWa  hjhonumogstendurutanskuldaraWarviWskiptibihans.    UmvrslufjrreikningagildannarikvWisemrWherraseturreglugerWskv.26.gr.aW   fengnumtillgumeftirlitsnefndarfasteignasala.  X   III.KAFLI     EftirlitmeWstrfumfasteignasala.     18.gr.   Eftirlitsnefndfasteignasala. wO  y  EftirlitsnefndfasteignasalaannasteftirlitmeWstrfumfasteignasalasamkvmtfyrirml B  umlagaYessara.RWherraskiparYrjnefndarmennogvaramennYeirratilYriggjarasenn.    EinnnefndarmannaskalverafasteignasaliogeinnlggilturendurskoWandi.HinnYriWji,sem   veraskalformaWurnefndarinnar,skalveralgfrWingurogfullngjaskilyrWumtilaWgegna {  embttihraWsd;mara.VaramennskulufullngjasmuskilyrWumogaWalmenn.RWherra nF kveWurY;knunnefndarmanna. 9   SrhverfasteignasaliskalgreiWarlegteftirlitsgjaldrkissj;WaWfjrhW75.000kr.til  aWstandastraumafkostnaWiviWstrfeftirlitsnefndarfasteignasala.Gjalddagigjaldsinser  1.jl.EfgjaldiWerekkigreittinnan30dagafrgjalddagaskalgreiWadrttarvextiafYvskv. r III.kaflalagaumvextiogverWtryggingu.GeramaWfrnundangenginsd;mstilfullnustu e= vangoldnueftirlitsgjaldi,samtfllnumvxtumogdrttarvxtum. 0   EftirlitsnefndfasteignasalaerheimiltaWrWasrstarfsmanntilYessaWhngetisinnt  skyldumsnum.    EftirlitsnefndfasteignasalaerheimiltaWkveWjasrtilrWgjafarogaWstoWarsrfr;Wamenn i efhntelurYrf.SkuluYeirstarfameWnefndinniviWundirbningogmeWferWmlseftir \4 kvrWunformanns. '   UmmeWferWmlaerltaaWminninguogtmabundinnisviptingulggildingarfersam  kvmtkvWumstj;rnsUslulagaaWYvleytisemekkierkveWiWumannaWlgumYessum.    NefndarmennogstarfsmaWurnefndarinnarerubundnirYagnarskylduumalltsemYeir `  komastaWstarfisnuogleyntaWfara.HiWsamaviWumYsemnefndinkveWursrtil S+! rWgjafarogaWstoWar.XagnarskyldanhelstY;ttltiWsafstrfum. "   19.gr.  $ Hlutverkeftirlitsnefndar. !W% *  EftirlitsnefndfasteignasalaskalhafaeftirlitmeWYvaWfasteignasalarstarfisamrmiviW J""& kvWilagaYessaraogreglugerWasemsettarerusamkvmtYeim,aWrarrttarreglursem #' YUWinguhafafyrirstrffasteignasalaogg;Warvenjurfasteignaslu. #(   HnskalfylgjastsrstaklegameWeftirtldumYttumstarfifasteignasala: $ ) ! ! (g00 "i(m"  i(m2g  a  .3  Ԉ0    aWeignarhaldaWfasteignaslumssamrmiviWlgYessi,i(mJ݌v%N!* Ќ  "i(m"  i(mA2g  b  .3  Ԉ0    aWfasteignasalihafiekkiaWraYj;nustusinnienYsembyrgWartrygginghanstekur A&"+ tileWaerusjlfirfasteignasalar,i(mAn݌ '", Ќ  "i(m"  i(m2g  c  .3  Ԉ0    aWfullngjandibyrgWartryggingarsugildivegnastarfseminnar,i(m݌'#- Ќ  "i(m"  i(m2g  d  .3  Ԉ0    aWfasteignasalargeriYauskjlerlgYessiogg;Warvenjurfasteignaslubj;Wa,i(m݌( Ќ  "i(m"  i(m-2g  e  .3  Ԉ0    aWskjlsugerWrttumtmaogrituWafYeimsemskylter,i(m-Z݌ Ќ  "i(m"  i(mU2g  f  .3  Ԉ0    aWfasteignasalarhagiskjalagerWefnislegasamrmiviWkvWilagannaogg;War  venjurfasteignaslu,i(mU݌a Ќ  "i(m"  i(m2g  g  .3  Ԉ0    aWfasteignasalarsinnisjlfir&  strfumsemlggildingYeirratekurtilogfeliYeimsem T, rWnirerutilstarfahjYeimekki'T}Ԁnnurstrfenheimildirstandatil,i(m݌ Ќ  "i(m"  i(m2g  h  .3  Ԉ0    aWhagsmuniraWilaaWsamningumsuekkifyrirborWbornir,i(m݌ Ќ  "i(m"  i(m2g  i  .3  Ԉ0    aWmeWferWfjrmunaeiguviWskiptamannaYeirrashvvetnasamrmiviWlgYessi   ogreglurumvrslufjrreikninga,i(mҐ݌ X Ќ  "i(m "  i(m#2g  j  .3  Ԉ0    aWfasteignasaliuppfyllivalltskilyrWilagaYessaratilaWverafasteignasali,i(m#P݌K #  Ќ  "i(m "  i(m]2g  k  .3  Ԉ0    aWfasteignasaligtiaWfyrirmlumlagaumaWgerWirgegnpeningaYvttiogfjrmgn    unhryWjuverka.i(m]݌   Ќ    Nhefurhstarttar-eWahraWsd;mslgmaWurfengiWlggildingusemfasteignasaliog   hefurYeftirlitsnefndfasteignasalaskyldurtileftirlitsmeWhonumsamkvmtkvWum wO  Yessaralaga. B    Eftirlitsnefndfasteignasalaskaljafnframttakam;tikvrtunumefkaupandieWaseljandi    fasteignar,semeigendaskiptihafaorWiWaWfyrirmilligngufasteignasala,teluraWfasteigna   salihafivaldiWsrtj;nimeWbrotumstarfsskyldumsnumeWakrafisteWafengiWgreidda {  Y;knunsemhannttiekkirtt.KvrtunfrkaupandaeWaseljandaskalberasteftirlits nF nefndinniinnanrsfrYvaWY;knunarvarkrafisteWahngreiddeWafrYvaWYeimer 9 kvrtunsendirvarWeWamttiveralj;staWhannvarWfyrirtj;niafvldumfasteignasala.    20.gr. r VerkefniogniWurstWureftirlitsnefndarvegnakvrtunarseljandaeWakaupanda. e=   Eftirlitsnefndfasteignasalaskalltalj;slitYvhvortfasteignasalihafittrtttil 0 Y;knunarYvtilvikisemumrWiroghverfjrhWhennarskulivera.Nefndinskaleinnig,  YegarYesser;skaW,ltalj;slitYvhvortserkvartarhafiorWiWfyrirtj;nivegnastarfa  fasteignasala,eWaYeirraerstarfahansvegum,hverfjrhWtj;nsinser,efunnter,oghvort i YvhafiveriWvaldiWmeWhttsemisemleiWitilskaWab;taskyldufasteignasala. \4   EftirlitsnefndskalleitastviWaWskilaskriflegulitisemfyrstogekkisWarenYremurmn ' uWumeftiraWgagnaflunerlokiWafhlfunefndarinnar.    SerkvartartileftirlitsnefndarskalgreiWakrugjaldsemrWherrakveWurreglugerW.  KrugjaldskalendurgreitteffallisterheildeWaaWhlutakrfurYesserkvrtunberfram. `    NiWurstWumeftirlitsnefndarkvrtunarmlumverWurekkiskotiWtilannarrastj;rnvalda S+! enaWilargetalagtgreiningsinnfyrird;mst;lameWvenjulegumhtti. "   RWherraerheimiltaWsetjameWreglugerWnnarikvWiumvaldsviWeftirlitsnefndar, # krugjald,mlsmeWferWarreglurfyrirnefndinniogstrfhennaraWWruleyti.  $   21.gr. J""& Heimildirogskyldureftirlitsnefndar. #'   FasteignasaliskalskilatileftirlitsnefndarfasteignasalaeigisWaren15.okt;berrhvert #( yfirlUsingulggiltsendurskoWandaumaWmeWferWhansfjrmunumviWskiptamannahans $ ) undangengiWreikningsrssamrmiviWlgYessiogreglurumvrslufjrreikninga.ViW v%N!* innlgnstarfsrttindaskalfasteignasaliskilatileftirlitsnefndarinnarsambrilegriyfirlUsingu A&"+  fyrirYaWtmabilsemviWkomandiaWilistarfaWisemfasteignasali.  '",   & a  NhefuryfirlUsingufasteignasalaekkiveriWskilaWrttuhorfi,ogYessefnissemkrafist ( er,fyrir15.okt;berogskalYeftirlitsnefndveitatveggjaviknafresttilskilanna.Sekki  orWiWviWskorunumskil'a(ogskUringar,semnefndinmeturfullngjandi,ekkiveittarYv  aWskilhafiekkifariWframskaleftirlitsnefndsviptafasteignasalatmabundiWlggildingu. a HafiyfirlUsinguekkiveriWskilaWrttu&  horfi1.n;vembersamarskalfasteignasaliser T, hlutsvipturlggildingu'T.tmabundiW.    EftirlitsnefnderheimilthvenrsemerognfyrirvaraaWskoWab;khaldogllskjlfast  eignasalasemtengjastrekstrihanseWaeinstkummlumsemhannhefurmeWhndum.Skal   nefndinframkvmaslkaskoWunsvooftsemYurfaYykirogeigisjaldnarenYriWjahvertr  X hjhverjumfasteignasala. K #    BeristeftirlitsnefndtrverWugbendingumaWmisfellursustarfsemifasteignasalaskal    hnsvoflj;ttsemauWiWerrannsakamliW,m.a.meWskoWunstarfsstWhans.Nfinnstb;k    haldeWannurggneWaskjlfasteignasalaekkistarfsstWhansogskalYnefndinniheim   iltaWleitaYeirraannarsstaWarYarsemtlamaWYausugeymd. wO    NsynjarfasteignasalieftirlitsnefndumaWgangaWstarfsstWsinni,ekkinstaWaflasam B  YykkishanseWatlamaWbrUnumranns;knarhagsmunumverWiteflttvsUnuefleitaWer    samYykkishans,oggeturYnefndin;skaWaWstoWarlgreglutilaWhnfisinnteftirlitisnu.   HiWsamaviWefb;khaldeWannurggneWaskjlfasteignasalaeruvrslumYriWjamanns. {  UmslkaleitgildakvWiX.kaflalagaummeWferWsakamla. nF   NtelureftirlitsnefndaWfasteignasalieWaaWrirhafiviWreksturfasteignaslugerstbrot 9 legirviWalmennhegningarlgstrfumsnumeWasUntafsraWrarefsiverWahttsemiog  skalhnYtilkynnaYaWlgreglumeWformlegumhtti.Nefndinskalhaldaframranns;kn  sinniogljkamliYessfasteignasalaerhlutY;ttlgreglussendtilkynningoghnhefji r ranns;knmls. e=   EfeftirlitsnefndhefurboristkvrtuneWabendingummisfellurstarfifasteignasala,eWa 0 nefndintekiWmltilmeWferWaraWeiginfrumkvWi,geturhnlokiWmlinumeWbeitingu  agaviWurlagaeWatmabundinnisviptingulggildingarY;ttfasteignasalihttistrfumogskili  tilsUslumannslggildingusinniWureneWameWanmliWertilmeWferWarhjnefndinni. i   22.gr. ' AgaviWurlgogtmabundinsviptinglggildingar.    NtelureftirlitsnefndfasteignasalaaWfasteignasalihafivanrktskyldursnar,eWagerst  brotlegurviWlgstarfsemisinni,ogskalhnYskorahannaWbtarWsittntafar.Geri `  hannYaWekki,eWaefnefndinteluraWbrotsekkismvgilegt,geturhnveittfasteignasala S+! minninguvegnaslkrabrota.Wurenminningerveittskalnefndingefafasteignasalanum " kostaWkomaaWsj;narmiWumsnum. #   NlturfasteignasaliekkiskipastviWminninguskv.1.mgr.eWahannvanrkiralvar  $ legaskyldursnaraWmatieftirlitsnefndareWahefurtrekaWveriWminnturvegnabrotasinna, !W% nYessaWstarfsemihansteljistkomingotthorf,ogskalYnefndinsviptahanntmabundiW J""& lggildingutilfasteignaslu.WurentilYesskemurskalhngefahonumkostaWkomaaW #' sj;narmiWumsnumsYesskostur. #(   NfelstbrotfasteignasalaYvaWhannhltirekkireglumummeWferWfviWskipta $ ) mannasinnaogskalYnefndin,efhntelurtilYessrWrm,skorahannaWbtarntafar. v%N!* Efnefndintelurekkisvigrmtilskorunar,fasteignasalisinnirekkiYegarslkriskoruneWa A&"+ brotertaliWsvoalvarlegtaWekkiskosturtilrb;tafyrirfasteignasalasviptirhnhann  '", lggildingutmabundiW. '#-   Ntelureftirlitsnefnd,semsvipthefurfasteignasalalggildingutmabundiW,aWhttas ( aWhannhafimillignguumfasteignaviWskiptiogskalhnYmeWatbeinalgregluloka  starfsstWhans.  & ,   NtelureftirlitsnefndaWfasteignasali,semhnhefursviptlggildingutmabundiW,hafi a bttaWfullurYvsemb;tavantvarrekstrihanseWavinnubrgWumogvartilefnisvipt T, ingarinnaroggeturhnYafturkallaWhana.  ',e  TmabundinsviptinglggildingargeturekkiveriWlengurentilt;lfvikna.    Nveitireftirlitsnefndfasteignasalaminningu,sviptirhanntmabundiWlggildingueWa   lokarstarfsstWhansogskalYnefndintilkynnaYaWYegarstaWtilsUslumanns.  X   FasteignasaliskalgreiWakostnaWafranns;knogmeWferWmlshafireynsttilefnitilaW K #  sviptahannlggildingutmabundiWeWalokastarfsstWhans.0kvrWunnefndarinnarskal    tekinafstaWatilYesshvortfasteignasalaergertaWgreiWaallankostnaWafranns;knogmeW    ferWmlseWaaWeinshlutahanshafiekkiallarvirWingarsemhannvorubornarveriWrk   umreistar.kvrWunnefndarinnarummlskostnaWeraWfararhfaWliWnummlskotsfresti wO  skv.4.mgr.23.gr. B    EftirlitsnefndfasteignasalaskalbirtarlausnirsnareWatdrttirYeimopinberlega.    Gtaskalnafnleyndar.     23.gr. nF MlskottilrWherra. 9   FasteignasaligeturskotiWkvrWuneftirlitsnefndarfasteignasalaumaWveitahonum  minninguogumgreiWslumlskostnaWartilrWherra.    FasteignasaligeturskotiWtilrWherrakvrWuneftirlitsnefndarumtmabundnasviptingu r lggildingu,svoogkvrWunnefndarinnarumaWlokastarfsstWhans,aukkvrWunar e= hennarummlskostnaW. 0   EftirlitsnefndgeturskotiWmlifasteignasala,semsvipturhefurveriWtmabundiWlggild  ingutilfasteignaslu,tilrWherra.Geturnefndinm.a.gertkrfuumaWrWherramlifyrir  um;tmabundnasviptingulggildingar.XrttfyrirkvWi6.mgr.22.gr.helstsviptinglg i gildingartilfasteignaslumeWanmlertilmeWferWarhjrWherra. \4   FresturtilYessaWskj;tamlitilrWherraskv.1.!3.mgr.er30dagarfrYvaWkvrWun ' vartilkynntfasteignasala.    RWherrageturfelltrgildikvrWunumtmabundnasviptingulggildingar,breyttYeim  tmasemsviptinginskalstanda,staWfestkvrWunumtmabundnasviptingulggildingareWa `  kveWiWaWhnskulivera;tmabundin.JafnframtgeturrWherrastaWfesteWabreyttkvrWun S+! eftirlitsnefndarummlskostnaWoggreiWsluhans. "   RWherraskaltakamltilmeWferWarogljkaYvY;ttfasteignasalihttistrfumogskili # tilsUslumannslggildingusinniWurenmeWferWmlshefsteWameWanmeWferWmls  $ stendur. !W%   Smliumminningufasteignasala,tmabundnasviptingulggildingareWalokunstarfs J""& stWvarskotiWtilrWherraskalhanntilkynnaeftirlitsnefndummlalyktir. #'   EftirlitsnefndfasteignasalaskalauglUsaLgbirtingablaWikvrWunumtmabundnaog #( ;tmabundnasviptingulggildingartilfasteignaslu. $ )   MlsmeWferWsamkvmtYessarigreinskalverasamkvmtstj;rnsUslulgum. v%N!*   HeimilterfasteignasalaaWleitarlausnard;mst;laumkvrWunrWherra. A&"+    '",   & a  24.gr. ( MissirskilyrWatillggildingarfasteignasala.  j  Fullngifasteignasaliekkilengurlgmltum'a(vskilyrWumtillggildingarfellurlggilding  hanssjlfkrafaniWurogerhonum;heimilfrekaristarfsemiogberaWskilatilsUslumanns a lggildingarskrteinisnu.Samagildirhttifasteignasalistrfum.HeimilteraWveitafast T, eignasalalggildinguaWnUjusUnihannframaWhannfullngilagaskilyrWumtilhennar.    NfellurlggildingfasteignasalaniWurskv.1.mgr.ogberYeftirlitsnefndfasteignasala  aWtilkynnaYaWYegarstaWtilsUslumannsogauglUsaYaWLgbirtingablaWi.     25.gr. K #  Fasteignasalanrttinda.      EfeftirlitsnefndfasteignasalaberastupplUsingarumaWmaWursemhefurekkifengiWlg    gildingutilfasteignaslustundislkastarfsemieWaaWfasteignasalifullngiekkilengur   lgmltumskilyrWumtillggildingarsemfasteignasalienstarfiY;framsemslkurer wO  nefndinniheimiltaW;skaYessviWsUslumannaWstarfsstWviWkomandiverWilokaWYegar B  staW.      IV.KAFLI {   HeimildtilaWsetjareglugerW.  nF 26.gr. 9 ReglugerWarheimildir.    RWherraerheimiltaWsetjareglugerWumeftirtalinatriWi:  ! ! (g00 "i(m"  i(mh2g  a  .3  Ԉ0    samningaumYj;nustufasteignasalaogumsluyfirlit,i(mh݌r Ќ  "i(m"  i(m2g  b  .3  Ԉ0    starfsbyrgWartryggingufasteignasala,YarmeWalumvtryggingarfjrhWir,i(m݌e= Ќ  "i(m"  i(m2g  c  .3  Ԉ0    YaustrfsemfasteignasalaerheimiltaWfelastarfsmnnumsnumaWsinnaviWfast 0 eignasluna,i(m݌ Ќ  "i(m"  i(m2g  d  .3  Ԉ0    tibfasteignasala,i(mA݌ Ќ  "i(m"  i(m2g  e  .3  Ԉ0    menntunfasteignasalaogpr;f,Y.e.ummeginatriWiYeirranmskeiWasemkennderuog i einingafjlda,i(m2݌\4 Ќ  "i(m"  i(mi2g  f  .3  Ԉ0    menntun,pr;fogtryggingarYeirrasemfengiWhafaleyfitilaWstarfaviWfasteignaslu ' eWamlflutningWrurkiEvr;pskaefnahagssvWinueWaFreyjum,i(mi݌ Ќ  "i(m"  i(m2g  g  .3  Ԉ0    vrslufjrreikninga,i(mC݌ Ќ  "i(m"  i(m2g  h  .3  Ԉ0    eftirlitsnefndfasteignasala,i(m4݌`  Ќ  "i(m"  i(m2g  i  .3  Ԉ0    kvartanirseljendaogkaupendafasteignatileftirlitsnefndarfasteignasala.i(m.݌S+! Ќ    V.KAFLI #  SkaWabturogrefsingar.   $ 27.gr. !W% SkaWabtur. J""& +  FasteignasaliberbyrgWtj;nisemhanneWastarfsmennhansvaldastrfumsnum,af #' setningieWagleysi.UmsakarmatogsnnungildareglurskaWab;tarttar.Fasteignasala #( semhttirstrfumerY;alltafskyltaWbtatj;nsemviWskiptamaWurhansverWurfyrirviW $ ) YaWaW;lokiWerfrgangisamningaeWaskjalaeWauppgjrivegnaviWskiptasemviWskipta v%N!* maWurinnhefurgreittfyrir. A&"+    '",   & a  28.gr. ( RefsikvWi.  :  BrotgegnlgumYessumogreglumsettumsamkvmt'a(FYeimvarWasektumnemaYyngri  refsingliggiviWsamkvmtWrumlgum.UmslkmlfereftirlgumummeWferWopinberra a mla. T,   VI.KAFLI   TmiskvWi.    29.gr.  X Rttindisamkvmteldrilgum. K #    XeirsemhlotiWhafalggildingutilfasteignaslusamkvmteldrilgumumslufast    eigna,fyrirtkjaogskipaskuluhaldahenni.      30.gr. wO  Gildistakaogbrottfallinlg. B  O  LgYessiWlastYegargildi.Jafnframtfallargildilgnr.99/2004,umslufasteigna,    fyrirtkjaogskipa,meWsWaribreytingum.      kvWitilbrWabirgWa. nF I.  9   HaldiFlagfasteignasalaframstarfsemisemhagsmuna-ogfrWsluflagYgufast  eignasala,eftiraWlagakvWiumskylduaWildfasteignasalaaWflaginuhafaveriWfelldr  gildi,skalflagiWhaldaeignumsnumenjafnframtbyrgjastfjrhagslegarskuldbindingar r semstofnaWhefurveriWtilnafniYessfyrirgildistkulagaYessara. e=    II.     SsemhefurviWgildistkulagaYessarahafiWnmtilundirbningsfyrirpr;fraunfast  eignasalaeWalokiWhlutapr;fraunarskaleigaYesskostaWljkanmiogpr;fraunsamkvmt i eldrireglumfyrir1.janar2019.RWherraskiparntilnefningarYriggjamannapr;fnefnd \4 semsrumnmskeiWtilundirbningsfyrirpr;fraunogstendurfyrirpr;fi,sbr.kvWilaga ' nr.99/2004.Pr;fnefndinskalstarfafrgildistkulagaYessaratil1.janar2019.     III.  `  {  ReglugerWirsemsettarhafaveriWsamkvmtlgumnr.99/2004skuluhaldagildisnu, S+! eftirYvsemviWgeturtt,YartilsettarhafaveriWreglugerWirsamkvmtlgumYessum. " #dgg  AthugasemdirviWlagafrumvarpYetta.#ggd  $  I.Inngangur.  !W%   FrumvarpYettavarsamiWefnahags-ogviWskiptarWuneytinuogeraWmestubyggt J""& eldrafrumvarpitilnUrraheildarlagaumslufasteigna,fyrirtkjaogskipasemlagtvarfram #' 135.lggjafarYingi2007!2008enfkkekkiafgreiWslu.FrumvarpiWvarlagtframafturltil #( legabreytt138.lggjafarYingi2009!2010enfkkekkiafgreiWslu.Eldrafrumvarpvar $ ) samiWafvinnuh;psemupphaflegavarskipaWurafd;ms-ogkirkjumlarWherrama2007. v%N!* MlefnifasteignasalavoruflutttilviWskiptarWuneytisogskipaWiviWskiptarWherrasmu A&"+ aWilanefndtilaWljkatillgugerWumbreytingarlgumnr.99/2004,umslufasteigna,  '", fyrirtkjaogskipa.Einsogfyrrsegirvareldrafrumvarpbyggtdrgumvinnuh;psinsen '#- frumvarpsemlagtvarfram138.lggjafarYingibyggWisteldrafrumvarpiaWviWbttum ( nokkrumbreytingum.RWuneytiWhefurhafteldrafrumvarpogathugasemdirYrsembrust  viWfrumvarpiWtilskoWunarenYaWfrumvarpsemnerlagtframernokkuWbreyttfreldra  frumvarpi.FrumvarpiWvarlagtfram140.lggjafarYingienbeiWY1.umrWu.XaWvarsvo a lagtframafatvinnuvega-ognUskpunarrWherra141.lggjafarYingienviWbreytingar T, skipulagiStj;rnarrWs0slands1.septembersl.fluttustYangaWverkefniervarWaalmennviW  skiptaml,Y.m.t.slufasteigna,fyrirtkjaogskipa.FrumvarpiWvarlagtframltillegabreytt  143.lggjafarYingiennWiekkiframaWganga.NnarerfariWyfirbreytingarYrsem   gerWarhafaveriWfrumvarpinufrYvaWYaWvarfyrstlagtfram135.lggjafarYingial  X mennumathugasemdum. K #   II.TilefniognauWsynlagasetningar.       XegarfrumvarpYaWsemsWarvarWaWlgumumslufasteigna,fyrirtkjaogskipa,nr.   99/2004,semnerugildi,vartilmeWferWarallsherjarnefndAlYingisvoruteknartilskoW wO  unarYrviWamiklutillgursemfrumvarpinuvorutilbreytingaYgildandilgum,nr. B  54/1997.HelstulitaefnisemuppkomuviWmeWferWmlsinsnefndinnivoruhvortrttvri    aWkomaf;tskylduaWildaWFlagifasteignasala,hvortmgulegtvriaWhagaeftirlitimeW   fasteignaslummeWWrumogveigaminnihttienfrumvarpiWgerWirWfyrir,nYessY;aW {  raskaYvmeginmarkmiWiaWkomaf;tslkueftirlitimeWfasteignaslum,hvortstWavri nF tilaWkrefjastsrstakrartryggingarafYeimsemsettuf;tfasteignaslufyrirYvaWYeirgtu 9 staWiWviWskuldbindingarsnarfrisvoaWYeirhttustarfsemiogumstWueftirlitsnefndar  Flagsfasteignasala.NefndinlagWitilnokkrarbreytingarfrumvarpinuoglagWieinnigtil  aWendurskoWunlagannafriframfyrir1.janar2008ogvarbrWabirgWakvWiYaraWlt r andibttviWfrumvarpiWsemvarWaWlgum.LagtvartilaWviWYendurskoWunskyldi e= srstaklegakannahvortstWavritilaWmlaframfyrirumskylduaWildaWFlagifast 0 eignasalaaukYeirraatriWasemfyrrerunefndumeftirlitmeWfasteignaslumogstarfsemi  eftirlitsnefndar.    MeWbrfi,dags.31.ma2007,skipaWid;ms-ogkirkjumlarWherra,semYf;rmeW i Yennanmlaflokk,vinnuh;ptilaWvinnaaWendurskoWunlagaumslufasteigna,fyrirtkja \4 ogskipa,nr.99/2004.0skipunarbrfinusegirm.a.: '   ?SamkvmtkvWitilbrWabirgWalgumumslufasteigna,fyrirtkjaogskipanr.  99/2004skululginendurskoWuWfyrir1.janar2008.ViWYendurskoWunskalsrstaklega  kannahvortstWastilaWmlaframfyrirumskylduaWildaWFlagifasteignasala,hvort `  markmiWmeWeftirlitskerfiIII.kaflalagannahafinWstoghvortefnisutilaWlkkaeftirlits S+! gjaldskv.2.mgr.19.gr.laganna.  "   Vinnuh;purinnkallaWieftirsj;narmiWumhagsmunaaWilaenaukYesskomXorsteinn # Einarsson,hstarttarlgmaWurogformaWureftirlitsnefndarFlagsfasteignasala,fund  $ h;psinsoggerWigreinfyrirYvhvaWabreytingarhannteldiheppilegartilYessaWauWvelda !W% starfeftirlitsnefndarinnar. J""&   MeWbreytingum,semgerWarvorureglugerWumStj;rnarrW0slands,nr.3/2004,ogt;ku #' gildi1.janar2008,vorumlefnifasteignasalafluttfrd;ms-ogkirkjumlarWuneytitil #( viWskiptarWuneytisfrogmeW1.okt;ber2009.MeWbrfiviWskiptarWherra,dags.15.jan $ ) ar2008,skipaWihannsmuaWilanefndtilYessaWljkatillgugerWumbreytingarlgum v%N!* nr.99/2004,ogbyggWinefndviWskiptarWherravinnusnaaWmestuleytitillgumfyrri A&"+  nefndar.  '",   & a  Frumvarpbyggtdrgumnefndarinnarvarlagtfram135.lggjafarYingienYaWfkk ( ekkiafgreiWslu.FrumvarpYaWsemlagtvarfram138.lggjafarYingibyggWistfyrrafrum  varpiaWviWbttumnokkrum'a(<breytingum,m.a.kvWumsemltaaWeignarhaldifast  eignaslumenlagtvartilaWfalliWvrifrYeimstrngureglumsemgilthafaogeignarhald a iWgefiWfrjlst.AWaukivarskerptkvWi9.gr.YarsemfjallaWerumYj;nustufasteigna T, salaogkemursbreytingtilafYvaWekkihefurveriWngilegaskUrtaWinnheimtaumsUslu  gjaldsYurfiaWeigasrstoWfyrirframgerWumsamningimillikaupandaogfasteignasala.  MliWvarlagtfram143.lggjafarYingiennWiekkiframaWganga.FrumvarpiWsemner   lagtframbyggistYvfrumvarpisemlagtvarfram143.lggjafarYingienathugasemdir  X viWfrumvarpiWhafaveriWuppfrWar.TilgangurinneraWgeraathugasemdirnarviWfrumvarp K #  iWsjlfstWari.     III.Meginefni& a frumvarpsins.     1.HelstuefnisatriWifrumvarpsins.  wO    LagtertilaWafnuminn'a verWieinkartturfasteignasalatilaWhafamillignguumslufyrir B  tkja.0gildandilgummiWasteinkartturfasteignasalaviWaWhafamillignguumslufyrir    tkjaannarraenhlutaflaga.0frumvrpumYeimerlgWvorufram135.og138.lggjafar   YingivarleitastviWaWafmarkahvaWaatvinnufyrirtkiflluundireinkarttfasteignasalaog {  varlagttilaWeinkartturinntkiekkitilatvinnufyrirtkjaefumfangrekstrarinssWastamn nF uWfyrirsluvrimeiraensvaraWitilfimmrsverkaeWatilhlutaflaga.SbreytingsemlgW 9 ertilnbyggistYvaWvandsWsaWmenntunogreynslafasteignasalaveitiYeimmeirisr  frWiYekkingutilsluatvinnufyrirtkjaenWrum,einsogt.d.viWskiptafrWingumeWa  endurskoWendum. r   LgWertilbreytingreglumummenntunfasteignasalasemfelureinkumsraWhsk;l e= umerfaliWaWhafaumsj;nmeWnmifasteignasalaogframkvmdpr;fa.Flagfasteignasala 0 hefurgertathugasemdirviWmenntunfasteignasalaogteluraWlengjaeiginmiWr90eining  um180einingar.    LagtertilaWkvWiumeignarhaldfasteignaslumverWi;breyttfrngildandilgum. i 0frumvarpiYvsemlagtvarfram138.lggjafarYingivarlagttilaWeignarhaldfasteigna \4 slumyrWigefiWfrjlstYannigaWYaWverWiekkilengurskilyrWiaWfasteignasalieigifast ' eignasluogstarfihenni.0YessufrumvarpierfalliWfrYeirribreytingusemlgWhafWi  veriWtil.NorWurlndunumhefurveriWfarinsleiWaWgefaeignarhaldfasteignaslum  frjlstoghefurreynslanafYeirritilslkunveriWmisjfn.MestahttanerYvaWsskylda `  fasteignasalaaWveita;hWarWgjfvkifyrirWrumhagsmunum,Y.e.hagsmunumeigenda, S+! kostnaWneytenda. 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annarraflagaenhlutaflagaverWiafnuminnenYeirgetavissulegasinntslkumstrfumY;tt " YaWfalliekkiundireinkarttYeirra.:lksj;narmiWeigaviWumsluatvinnufyrirtkjaog # slufasteignaenseinnatilvikinugildasj;narmiWumneytendaverndYarsemfasteigna  $ viWskiptieruoftstrstuviWskiptieinstaklinga.RtterY;aWskoWaWverWihvortrttsaWlg !W% festareglurummillignguviWsluatvinnufyrirtkjaYannigaWtryggtverWiaWYeiraWilar J""& semstundamillignguumsluatvinnufyrirtkjahafitilYessYekkingu. #'   XerlagttilaW2.mgr.1.gr.gildandilagaumaWrWherrasheimiltaWkveWaaWlggild #( ingfasteignasalaverWihendieinssUslumannsverWiflutt5.gr.semfjallarumlggildingu $ ) fasteignasalaYarsemhnverWimeiraefnislegusamrmi. v%N!*   LoksskaltekiWframaWekkiY;ttistWatilaWleggjatilaWskerturyrWirtturhstarttar- A&"+ oghraWsd;mslgmannatilYessaWannastmillignguumviWskiptimeWfasteignir,fyrirtki  '", eWaskipnYessaWhafalggildingutilfasteignaslu.XessiheimildlgmannaerYrng._Hn '#- heimilareinungisaWhafaslkamilligngueinstkumtilvikum,efYaWverkerhlutiafWru ( verkefnisemlgmaWurhefurtekiWaWsr.FyrstogfremsterhrveriWaWheimilaYeimsem  annastskiptibumvegnagjaldYrots,andltseWavegnaskilnaWaraWannastslueignasem  tilheyrthafaviWkomandibum.LgmaWurgeturekkisamkvmtYessariheimildtekiWaWsr a aWhafamillignguumviWskiptimeWfasteignireWaskip,nemaslkumeWasambrilegum T, tengslumviWnnur_lgmannsstrf_.LgmaWurgeturheldurekkitekiWaWsrsjlfsttteinstk  verkefni,t.d._skjalagerW_ԀviW_fasteignaviWskipti_,nemaYaWshlutiafWrum_lgmannsverkum_  hansfyrirseljandaeWakaupanda.     _Um&  _Ԁ3.gr. K #  _ @ _  0b-liW1.mgr.erlagttilaWYaWverWifram'K skilyrWi_lggildingar_ԀaWaWilihafiekkiveriW    svipturrttindumtilstarfasemfasteignasali;tmabundiW.X;verWiheimiltaWvkjafrskil    yrWinuaWundangenginniumsgn_eftirlitsnefndar_Ԁfasteignasala.NokkuWhefurboriWYvaW   aWilarsemsviptirhafaveriWlggildingu;tmabundiWskiumlggildingusemfasteignasalar wO  aWnUju.EWlilegtYykiraW_eftirlitsnefndin_Ԁveitiumsgn,staWFlagsfasteignasala,umbeiWni B  umlggildinguaWnUju,t.d.YeimtilvikumYarsemsviptingvarvegnaYessaWekkihafWi    veriWskilaWyfirlUsingu_lggilts_ԀendurskoWandaumaWmeWferWviWkomandifjrmunumviW   skiptamannahans_undangengiW_Ԁ_reikningsr_ԀhafiveriWsamrmiviWlgogreglurum_vrslu {  fjrreikninga_. nF   0d-liW1.mgr.ergerWtillagaumbreytingarreglumummenntunfasteignasala.Menntun 9 YeirrahefurveriWundireftirlitisrstakrar_pr;fnefndar_ԀoghafaveriWrekinnmskeiWa.m.k.  tveimurhsk;lumsemstaWiWhafafj;rarannir.LagtertilaWreglurummenntunfasteigna  salaverWifelldaraWlggjfummenntunviWhsk;la.TillaganmiWastviWaWmenntunfast r eignasalagetifalliWundira-liW2.mgr.7.gr.lagaumhsk;la,nr.63/2006.UpphafYeirrar e= greinarhlj;Warsvo: 0   ?Hsk;larkveWafyrirkomulagkennslu,ranns;kna,nmsognmsmats.    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Um4.gr. e=  @ [  GreinYessisvarartil5.gr.gildandilagaogfjallarum_starfsbyrgWartryggingar_Ԁfasteigna 0 sala.XaWnUmlierlagttil2.mgr.aWfasteignasaliskulifyrir15.okt;berrhvertsenda  eftirlitsnefndstaWfestinguumaWhannhafigildifullngjandi_starfsbyrgWartryggingu_.Skv.  19.gr.frumvarpsinsskal_eftirlitsnefndin_ԀhafaeftirlitmeWYvaWgildisufullngjandi i _starfsbyrgWartryggingar_.EkkiertaliWmgulegtaWhafaeftirlitmeWYessuatriWinematryggt \4 saWfasteignasalasskyltaWleggjaframstaWfestinguYessaefnis. '   03.mgr.erfjallaWumtkutryggingarYegarfleirieneinnfasteignasalistarfasaman.Lagt  ertilaWreglanumaWYegartveirfasteignasalarstarfisamanYfullngiYeir_vtryggingar  skyldu_ԀsinnimeWYvaWleggjaframsameiginlega_vtryggingu_ԀoghkkiY_lgmarksvtrygg `  ingarfjrhWir_Ԁuma.m.k.10%fyrirhvernfasteignasalaumframeinn,gildieinnigYegarfleiri S+! eneinnfasteignasalierustarfsmennflagssemrekur_fasteignaslu_. "   MeWkvWinuhefurrWherraheimildtilaWkveWameWreglugerWnnarummeginatriWi # skilmla_starfsbyrgWartryggingar_,ogheldurhannYvsmuheimildumogsamkvmtgild  $ andilgum.XeirsemstarfahjfasteignasalaeWafstviWnnurverkefnivegum_lggilts_ !W% fasteignasalaskuluteljaststarfsmennhansoghansbyrgW. J""&   VerWiYettafrumvarpaWlgumYerorWiWskUrarahvaWaverkum_slufulltrar_Ԁmegasinna. #' 0framkvmdhefur_slufulltrum_Ԁsemstarfasemverktakarhj_fasteignaslum_ԀveriWfaliW #( mjgumfangsmikiWhlutverkviWslufasteigna.TilaWspornaviWYvaW_slufulltrar_Ԁsinni $ ) verkumsemheyraundirlggildingufasteignasalahefurveriWkveWiWaWskilgreinameW v%N!* skUrarihttienWurhvaWaverkefnum_slufulltrum_ԀerheimiltaWsinna,sbr.6.og8.gr. A&"+  frumvarpsins,ogkveWannarumbyrgWlggiltrafasteignasala.0lj;siYessaertaliWrtt  '", aW_vtrygging_Ԁ&   hkkiekkivegnanUrra_slufulltra_Ԁheldureingnguvegnastarfsmannasem ( hafalggildin'(gutilslufasteigna.    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A&"+   EinnigerlagttilaWtekiWsafskariWumaWfasteignasaliberiskaWab;tabyrgWYvtj;ni  '", semYeirvaldaerstarfahansYgu.LginheimilasamkvmtorWannahlj;WanaWeinsaW '#- _fasteignasalifeliYeimsemrWnirerutilstarfahjhonumaWsinnaverkumsemfallaundir ( lggildinguna.TilgangurreglunnarsemhrergerWtillagaumeraWtakaaftvmliumaW  fasteignasaliberiekkiaWeinsskaWab;tabyrgWgrundvellialmennrareglna,Y.e.reglunnar  umvinnuveitandabyrgW,heldureinnigWrumsemstarfahansYgu,jafnvelY;ttumYaW a sekkigerWursrstakurrWningarsamningur.FlagfasteignasalahefurlagthersluaWsetja T, YurfikvWisembanniverksamninga,a.m.k.umtilgreindstrffasteignasala.Vandaml  tengdverksamningumsemmjgeramastviWskUringumfrumvarpitilgildandilagaeru  tvYtt,;vissaumskaWab;tarttarlegastWuYeirrasemverWafyrirtj;niafvldumYeirra   semstarfaYgufasteignasalagrundvelliverksamningaogsmeginreglaaWstarfs  X byrgWartryggingartakaaWllujfnuaWeinstilskaWaverkavtryggingartakaogstarfsmanna K #  hans.FramkvmdinhvaWstarfsbyrgWartryggingarvarWarhefurY;veriWsaWslenskv    tryggingaflghafafallistaWYeirsemstarfaYgufasteignasalafalliundirstarfsbyrgWar    trygginguna;hWYvhverskonarsamningistarfYeirraYgufasteignasalaerreist.:Yarft   YykirYvaWsetjasrstakabannregluumverksamninga.MeWYeirribreytingusemhrergerW wO  ttiYaWekkiaWraskahagsmunumviWskiptamannafasteignasalaY;ttmennstarfiYj;nustu B  fasteignasalansnYessaWumsrstakanrWningarsamningsaWrWaendaerutekinaftv    mliumbyrgWhansllumYj;nustuhans.     Um7.gr. nF   Vinnuh;purd;ms-ogkirkjumlarWherraogsnefndsemviWskiptarWherraskipaWiog 9 samdimeginefniYessafrumvarpst;ktilsrstakrarumrWuogathugunarhvortstWavri  tilaWbreytareglumumeignarhaldfasteignaslum.    0frumvarpiYvsemlagtvarfram135.lggjafarYingivarekkilgWtilbreytingYv r fyrirkomulagieignarhaldisemersamkvmtngildandilgum.0frumvarpiYverlagtvar e= fram138.lggjafarYingivarhinsvegarlagttilaWYessarstrngureglurumeignarhaldfast 0 eignasalafasteignaslusinniyrWufelldarniWurogaWheimiltyrWiaWstofnafasteignaslu  Yvformisemeigendurkj;sa.XessarbreytingarvorusamrmiviWYYr;unsemhafWi  orWiWNorWurlndunum,t.d.NoregiogDanmrku.XannigerviWYaWmiWaWnUjum i norskumlgumumfasteignaslu,lovomeiendomsmegling,nr.73/2007,fr29.jn2007, \4 aWaWrirenfasteignasaligetittfasteignasluaWYvgefnuaWnorskafjrmlaeftirlitiW ' (Finanstilsynet)hafiveittstarfsleyfienbankarYurfaY;almenntekkislktleyfi.0Noregieru  einniggerWarYrkrfuraWYeirsemfarameWmeiraen10%eignarhlutfasteignasluskuli  uppfyllakveWinalmennskilyrWisemeigaaWtryggjaaWviWskiptifariframsamrmiviW `  lg,reglugerWirogg;WaviWskiptavenju.MeWbreytingumsemgerWarvorudnskulgunum S+! umfasteignaslu,lovomomstningaffastejendom,nr.691/2003,eruekkilengursettartak " markanirviWeignarhaldifasteignaslum.SamkvmtdnskulgunumerY;gerWskrafa # aWhverristarfsstWfasteignasluskuliverastUrtaffasteignasalaeWalgmanni.0greinargerW  $ meWdnskulgunumerubreytingarnarm.a.rkstuddarmeWYvaWeignarhaldskvWin !W% hamlieWlilegrisamkeppniogkomivegfyrirnUliWunatvinnugreininni,jafnframtaWbyggt J""& hafiveriWranns;knlggjfannarralanda,svosemSvYj;W,XUskalandi,Bretlandiog #' Hollandi,Yarsemhvergisugilditakmarkanireignarhaldifasteignaslum.LitiWersvo #( aWgWakrfumfasteignaviWskiptumverWinWmeWkvWumumhfiogverkefnifast $ ) eignasalaaukYesssemYeirleiWifaglegtstarffasteignasluenjafnframtYurfaeigendur v%N!* fasteignasluaWuppfyllastrnghfisskilyrWi,t.d.hegningarlaganna.X;ttYannighafiveriW A&"+  falliWfrfyrirmlumumtiltekiWeignarhaldermilligangaumfasteignakaupY;bWumYess  '", umlndum&   hWstrngumskilyrWumogmikiWregluverkumstarfseminaeinsogverWurhr ( landini'(frumvarpiWframaWganga.    0frumvarpinukomframaWtlamttiaWumrddarbreytingarmunduhafasambrileg  hrif0slandiogDanmrkuogviWafnmeignarhaldskvWisinsmundisamkeppnistyrkj a astogframboWYj;nustuaukastsemverWitilhagsb;tafyrirhinnalmennaneytandasemleit T, arYj;nustufasteignasala.    0umsgnSamkeppniseftirlitsinsumfrumvarpYaWsemlagtvarfram138.lggjafarYingi  kemurframaWeftirlitiWssammlaYvaWumrddarbreytingareignarhaldskvWinumuni   vntanlegahafasambrileghrifogDanmrkuYannigaWsamkeppninmunistyrkjastog  X framboWYj;nustuaukasttilhagsb;tafyrirneytendur. K #    ReynslanafYessaritilslkunNorWurlndunumhefurveriWmisjfn.Mestahttaner    YvaWsskyldafasteignasalaaWveita;hWarWgjfvkifyrirWrumhagsmunum,Y.e.hags    munumeigendakostnaWneytendasemeruviWskiptamennfasteignasala.Xr;uninSvYj;W   eftiraWslakaWvarreglumumeignarhaldvarsaWbankarogfjrmlastofnanirurWuum wO  svifamiklarfasteignaslu.VarlaerhgtaWteljaaWsYr;unsYguneytenda.Xesshefur B  ekkiorWiWvartaWkostnaWurneytendaaffasteignaviWskiptumYessumlndumhafilkkaW    eftirYessarbreytingarogsamkeppnifasteignasluhefurYarekkiaukist.Xverfrumvarpi   YessulagttilaWkvWiumeignarhaldfasteignaslusnr;breyttfrgildandilgum.0 {  frumvarpiYvsemlagtvarfram135.lggjafarYingivorustWurYessaWekkivorulagWar nF tilbreytingarfrgildandilgumeftirfarandi: 9   0fyrstalagiY;ttistWatilaWvkjaekkifrYeirriskipansemhefurveriWgrundvallar  atriWilggjfumfasteignaslu,Y.e.aWfasteignasalissjlfstWurogengumhWurstarfi  snu.ViWskiptamennhanseigaaWgetatreystYvaWrWgjfhansshlutlausogekkihWnein r umhagsmunumsemtengjastWruenrttihanstilY;knunarYeimviWskiptumsemumrWir. e= FasteignasalisemeinungiserstarfsmaWurfasteignaslueigubankageturekkiveriW;hW 0 urrWgjafiumhvarsaWfinnahagstWustufjrmgnuninavegnakaupaYeirrifasteignsem  hanneraWseljavegumbankans.HanngeturekkiheldurveriWhlutlausrWgjafiumsaman  burWskilmlumlnasemboWierumarkaWi.SlkhlutlausrWgjferY;afarmikilvg i markaWieinsogerhrlendis,Yarsemmunurerskilmlum,m.a.vxtum,heimildumtil \4 skuldskeytingarogkostnaWi. 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"   0YriWjalagiverWuraWhafahugaYegargerWarerur;ttkarbreytingarYeirriskipansem # veriWhefurviWlUWiaWmilligangaumfasteignakauphrlandihefuralmenntveriWrugg  $ ogskilvirkogkostaWltiWmiWaWviWYaWsemYekkistannarsstaWarNorWurlndum.ViW !W% skiptinhafagengiWhrattfyrirsig,Yvleikurekkivafi.UmryggislkraviWskiptambenda J""& aWgerWirhafaveriWnlgt14.000til15.000kaupsamningarumfasteignir0slandisWustu #' rin.Einungisfd;msmlrsarihverjuvegnaYeirraviWskipta,Y.e.aWYvleytisemYau #( snaaWfasteignaslum.tlamaWumtud;msmlsurekinrlegafyrirhraWsd;mst;lum $ ) gegnfasteignaslumvegnastarfaYeirraogfervelinnanviWhelmingurYeirratilHstarttar. v%N!* HvaWvarWarYaWaWkostnaWurviWYessiviWskiptisltillhrlandimbendaaWsluY;kn A&"+ uneralmenntum1,5%,stundumlgriogstundumhrri.Fasteignasalitekursvooftastsr  '", stakaY;knunafkaupandaefhannvinnureinhverstrfaWbeiWnihans.Samanlagter_Y;knun '#- fasteignasalaalmenntekkiyfir2%afsluverWi_fasteignar_.Xettaermunlgrahlutfallen ( annarsstaWarNorWurlndum.AlmennterhlutfalliWDanmrku2!3%,aukkostnaWarkaup  andaviWaWleitatillgmannsumyfirlesturogsamYykki,semerumtalsverWur,Noregi  2!2,5%,SvYj;W3!3,5%.AWmatinefndarYeirrarsemsamdifrumvarpiWsemlagtvarfram a 135.lggjafarYingierekkistWatilaWgeragrundvallarbreytingarskipanmlasem T, gengurveleinsoghrviW.    & a 0fj;rWalagiverWur,aWlitiframangreindrarnefndar,ekkiannaWsWenaWheilbrigWsam  keppnirkiYeimmarkaWisemhrumrWir.LgY;knunbendirtilYessaWsvos.     0fimmta'a lagitelurnefndineWlilegtaWsamaskipansreglumumeignarhald_fasteigna  X slum_Ԁog_lgmannsstofum_,endaermarkmiWiWhiWsama. 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J""& 0YessusambandiskaltekiWframaW26.gr.frumvarpsinsergertrWfyriraWrWherrahafi #' heimildtilYessaWsetjareglugerWYarsemnnarverWifjallaWumYaustrfsemfasteignasala #( erheimiltaWfelastarfsmnnumsnumaWsinnaviW_fasteignasluna_.Sheimildsemslkri $ ) reglugerWflistvriY;alltaf&  hWYvmati_fasteignasalans_ԀaWstarfsmaWurinnhafimenntun, v%N!*  YekkinguogreynslutilYess'v%aWsinnaviWkomandiverkefni. A&"+ & ,    LokserlagttilaWtekiWverWiafskariWumYaWaWstarfsmannis;heimiltaWfelaWrum, ( hvortsemumeraWrWaeinstaklingeWalgaWila,aWsinnaverkumsemfasteignasalihefur  faliWhonum.  ',(   Um9.gr. T, W"  SamkvmtYessukvWiberfasteignasalaaWgerasamningviWbWikaupandaogseljanda  efhanntlaraWvinnaverkfyrirbWa.MarkmiWkvWisinseraWafmarkahlutverkfast  eignasalameWskUrumhttiYannigaWbWiseljendurogkaupendurvitifyrirhvaWaYj;nustu   YeireruaWgreiWaoghvarbyrgWliggur.&  XergertrWfyrirlktoggildandilgumaWsamn  X ingurumYj;nustufasteignasalasgerWurWur' N$enhanntekurtilviW_starfann_. 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S+!   02.mgr.erureglurumYrennskonartilviksemllleiWatilsmuniWurstWu,Y.e.tma " bundinnarsviptingar_lggildingar_.XessitilvikeruYegarfasteignasalilturekkiskipastviW # minninguskv.1.mgr.,YegarhannhefurbrotiWalvarlegaskyldursnarsemfasteignasaliog  $ YegarhannhefurveriWtrekaWminnturvegnabrotasinna,nYessaWstarfsemihansteljist !W% komingotthorf.0_sWastnefndum_ԀtilvikumgeturaWstaWanveriWsaWfasteignasalihafi J""& sjlfusrleitastviWaWbtarWsittYegarhannhefurveriWminntur,enhannhafiveriWtrek #' aWminnturogstarfsemihanserenn;fullngjandihorfi,t.d.vegnaYessaWafturhafisigiW #( ;gfuhliWinahjhonum,eWasvomargarmisfellursurekstrihanseWavinnubrgWumaW $ ) ;viWunandiverWiaWtelja,Y;tthverogeinYeirrase.t.v.ekkialvarleg. v%N!*   WureneftirlitsnefndgrpurtilYessaWsviptafasteignasalalggildinguYessumtilvikum A&"+ berhenniaWgefahonumkostYvaWneytaandmlarttar.XaWerekkialltafhgt,t.d.  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K #    04.mgr.ereftirlitsnefndgertaWlokastarfsstWYessfasteignasalasemsvipturhefurveriW    lggildingusinnitmabundiW,enhntelurhttuYvaWhannhafisamtmillignguum_fast    eignaviWskipti_.EftirlitsnefndberaWleitaatbeinalgreglutilaWlokastarfsstW,enhefurekki   heimildirtilYesssjlf. wO    05.mgr.erukvWisemheimilaeftirlitsnefndaWafturkallatmabundna_sviptingu_Ԁ_lggild B  ingar_.XaWgeturhngerteffasteignasalisUnirframaWhannhafibttaWfullurYvsem    b;tavantvarrekstrihanseWavinnubrgWumogvartilefni_sviptingarinnar_.SlktkvWi   ereWlilegt,endamarkmiWumhinnartmabundnusviptingarnW.XaWhorfirtilskilvirkniaW {  nefndinhafibeinalagaheimildtil_endurupptku_ԀmlsinsstaWYessaWfasteignasaliYurfiaW nF skj;tamlisnutilrWherratilYessaWf_lggildinguna_Ԁaftur.HannhefurbrUnahagsmuni 9 afYvaWgetahafiWstrfaftursemfyrstogefhannhefurbttaWfullurYvsem_sviptingin_  varreistverWuraWteljaYhagsmunihansrttmta.    06.mgr.erlagttilaWsettverWihmarkYanntmasemhintmabundnasviptingm r standa.ErYaWnauWsynlegtakmrkunvaldi_eftirlitsnefndar_ԀsemgeturYurftaWtakakvrW e= unum_sviptingu_Ԁ_lggildingar_ԀstuttumtmaogjafnvelnYessaWrWrmstilYessaWgefa 0 fasteignasalakostaWneytaandmlarttar.    07.mgr.ermltfyrirumtilkynningarskyldu_eftirlitsnefndar_ԀtilsUslumanns.Mlsgreinin  YarfnastekkiskUringar. i   08.mgr.ermltfyrirumaWefeftirlitsnefndbeitirfasteignasalaviWurlgum,Y.e.minn \4 ingueWatmabundinni_sviptingu_Ԁ_lggildingar_,eWahnlokarstarfsstWhans,berihenniaW ' kvarWakostnaWvegnaranns;knarogmlsmeWferWaroggerafasteignasalaaWgreiWakostnaW  afmli.NefndinhefursvigrmviWkvrWunsnaumhvernkostnaWhnlturfasteignasala  greiWaafmli.T.d.geturhntekiWtillittilYessefeinungishlutiafvirWingumsemhann `  erubornarhafareynstrttar.0slkumtilvikumerekkisanngjarntaWfasteignasaligreiWiallan S+! kostnaWafmlinu.hinnb;ginnermikilvgtaWhonumverWigertaWgreiWaYannkostnaW " semstofnaYarftilvegnabrotahansYvefhannverWurekkiltinnberaYannkostnaWYurfa # aWrirflagsmennFlagsfasteignasalaaWgreiWakostnaWinnmeW_flagsgjldum_Ԁsnum.VerWur  $ _eftirlitsnefndin_ԀaWhafahugfastaWekkiverWilagWurmeirikostnaWurafstarfihennarflags !W% mennensvarartilvenjulegsrekstursnefndarinnarogvenjulegseftirlitsafhennarhlfu. J""&   XeraWfinnaeittnUmlifrgildandilgum.LagtertilaWbttverWieinnimlsgreinviW #' 22.gr.ngildandilagaumaW_eftirlitsnefndin_Ԁskulibirta_rlausnir_ԀsnareWatdrttirYeim #( opinberlegaenY;YannigaWgttsnafnleyndar._Brlausnir_ԀnefndarinnargetahaftYUWingu $ ) ogmikilvgtaWunntsaWstaWreynaafstWunefndarinnartillitamlasemupphafakomiW. v%N!*   A&"+   & ,  Um23.gr. ( &  0YessarigreinerureglurummlskottilrWherraogmeWferWmlsinshjhonum.    01.mgr.ermltfyrirumheimild_fasteignasalans_ԀtilYessaWskj;tatilrWherrakvrWun  _eftirlitsnefndar_ԀumaWveitahonumminn',(&inguogumkvrWunkostnaWar.EreWlilegtaWhann a hafislkaheimildYvminninggeturhaftalvarlegrttarhriffyrirhann,sbr.2.mgr.22.gr. T, frumvarpsins.    02.mgr.ermltfyrirumrttfasteignasalatilYessaWskj;tatilrWherrakvrWun_eftir  litsnefndar_Ԁumtmabundna_sviptingu_Ԁ_lggildingar_ԀoglokunstarfsstWvar,svoogkvrWun   umkostnaWsemfasteignasalaberaWgreiWaafmli.EkkierYrfaWrkstyWjahagsmuni  X hansafYvaWeigakostslku_mlskoti_. 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'   kvWi9.og10.mgr.YarfnastheldurekkiskUringa,enrtteraWtakaframaWeftirlits  nefnderekkiheimiltaWberakvrWunrWherraundird;mst;la.Flagfasteignasalahefur  heldurengar_mlskotsheimildir_ԀsamkvmtYessarigrein. `    Um24.og25.gr. " 7  MeWal_skyldna_Ԁ_eftirlitsnefndar_ԀfasteignasalaeraWfylgjastmeWYvaWfasteignasalifull # ngivalltskilyrWumlagatilaWverafasteignasali,sbr.kvWij-liWar2.mgr.19.gr.frum  $ varpsins.SkilyrWineruYesseWlisaWYaWmsUnaframYaWmeW;tvrWumhtti,t.d._vott !W% orWum_ԀopinberraaWila,hvortYeimsfullngteWaekki.EfeftirlitsnefndteluraWsUnamegi J""& framaWfasteignasalifullngiekkilengurskilyrWumtilkynnirhnhonumYaWogjafnframt #' aWlggildinghansssjlfkrafaniWurfallineinsogbeinlniserkveWiWum1.mgr.24.gr. #( 0YessumtilvikumYarfekkisamaaWdragandaaW_sviptingu_ԀogumerfjallaW23.gr.LgWer $ ) tilseWlilegareglaaWfasteignasalieigiYesskostaWflggildinguaWnUjuefhannsUnir v%N!* framaWhannfullngiaWnUjuskilyrWumtil_lggildingar_. 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