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S+!   11.gr. # Sluyfirlit.  $ aG  StraxogfasteignasalifreigntilslumeWferWar,eWahonumerfaliWaWgangafrkauptil !W% boWiog/eWakaupsamningiumeign,semekkiertilslumeWferWarhjWrumfasteignasala J""& ogekkihefurveriWgertsluyfirlitumogafhentkauptilboWsgjafa,skalhannsemjarkilegt #' yfirlitumYauatriWisemskiptgetamliviWslueignarinnar. #(   WurentilboWergerteignskalvntanlegumtilboWsgjafaafhentsluyfirlitiWogskal $ ) hannstaWfestam;ttkuYessmeWnafnritunsinniogdagsetningu. v%N!*   Fasteignasali,semfreigntilslumeWferWareWaerfaliWaWgangafrkauptilboWiog/eWa A&"+  kaupsamningiumeignsemekkiertilslumeWferWarhjWrumfasteignasalaogekkihefur  '", veriWgertsluyfirlitum,skalafla&   undirskriftarseljandayfirlUsinguumaWefnisluyfirlits ( srttsamkvmtbestuvitundhans.'(K  &    NersluyfirliteldraenYriggjamnaWaogskalYfasteignasaligeranUttnemaengar  breytingarhafiorWiWsemltaaWefniYess.'vL a   12.gr.  Efnisluyfirlits.  gM  FasteignasaliskalgtaYessvandlegaaWsluyfirlitikomiframllgrundvallaratriWium   eiginleikaogstandeignarinnarsem,samtskoWunkaupandaeignYegarviW,mtlaaW  X getiveriWgrundvllurkvrWunarhansumhvorthannkaupireigninaoghvaWaverWhanner K #  tilbinnaWgreiWafyrirhana.      0sluyfirlitiskalaukalmennrarlUsingarfasteignm.a.komafram:    ! ! (g00"i(m"  i(mP2g  a  .3  Ԉ0    sluverWYaWsemeigandi;skaraWffyrireignsYaWkveWiW,i(mPP݌  Ќ  "i(m"  i(mQ2g  b  .3  Ԉ0    staWsetningeignarognmer,strWhennarsamkvmtopinberumskrm,fasteignamat, wO  brunab;tamat,byggingarlagogbyggingarefniogbyggingarreignarogeinstakrahluta B  hennarefviW;teikningsemsUnifyrirkomulaginnanhssskaljafnanverafyrirhendi,    svoogl;Waruppdrtturshanntil,i(mQQ݌  Ќ  "i(m"  i(mT2g  c  .3  Ԉ0    upplUsingarumstandeignarogeinstakrahlutahennar,YarmeWalumgallasemselj {  andaog/eWafasteignasalaerkunnugtumeign,i(mTDT݌nF Ќ  "i(m"  i(mU2g  d  .3  Ԉ0    fstgjldafeigninni,hvlandiveWskuldir,kvaWirognnureignahft,samkvmtveW 9 b;karvottorWi;tilgreinaskaleftirstWvaroglnskjr,YarmeWalvextiogverWtryggingu  allrahvlandiveWskuldaogkvaWaogtilgreinasrstaklegaefskuldervanskilum;um  YrveWskuldirsemfylgjaeigaviWsluskaltilgreinafjlda;greiddraafborganaog r hvortheimilteraWyfirtakaYrmeW;breyttumlnskjrumogefsvoerekki,hvaWa e= breytingarmtlaaWverWioghvorteinhverannarkostnaWurfylgiryfirtkunni,i(mUU݌0 Ќ  "i(m"  i(m"Y2g  e  .3  Ԉ0    kostnaWursemkaupandihefurafkaupum,YarmeWalYinglUsingarkostnaWur,stimpil  gjld,umsUslukostnaWurkaupanda,lntkukostnaWursYaWunnto.fl.i(m"YOY݌ Ќ  "i(m"  i(mZ2g  f  .3  Ԉ0    tekjurafeigninniefumeraWrWaeignsemtluWertilatvinnustarfsemi,i(mZZ݌i Ќ  "i(m"  i(m[2g  g  .3  Ԉ0    afhendingarstandeignarsemselder;fullgerW,ogskalYaWverasamrmiviWstaWla \4 semterugefnirafopinberumstofnunumerannastbyggingarranns;knireWabygg ' ingareftirlit,i(m[(\݌ Ќ  "i(m"  i(m]2g  h  .3  Ԉ0    hsgjldogyfirstandandieWavntanlegarframkvmdirsembiWeraWkveWafundi  hsflags,sumfjleignarhsaWrWa,ogumstWueigandagagnvarthssj;Wiogfram `  kvmdasj;Wihsflags,i(m]]݌S+! Ќ  "i(m"  i(m_2g  i  .3  Ԉ0    eignaskiptayfirlUsingeWasamningursumfjleignarhsaWrWa,i(m__݌" Ќ  "i(m "  i(m`2g  j  .3  Ԉ0    nnuratriWisemkunnugterum,svosemskUrslurumstandeignarsemgerWarhafa # veriW.i(m` a݌ $ Ќ    Sambrilegtyfirlitskal,eftirYvsemviWgeturtt,gertvegnasluskipiog/eWafyrir !W% tki.0sluyfirlitivegnafyrirtkjaskaleinnigtilgreinahverjarhafiveriWtekjuroggjldYess J""& sWustuYrjrfyrirgerWsluyfirlits,hverjareignirYesssuogskuldiroghvemrgrsverk #' hafiveriWunninrekstriYesssWustuYrjrinfyrirgerWsluyfirlits.UpplUsingarYessar #( skulureistarendurskoWuWumreikningumfyrirtkisinseWaWrumhaldbrumggnum. $ ) SkalfasteignasalileitastviWaWtryggjaaWkaupandifiruggarognkvmarupplUsingar v%N!* umalltsemmliskiptirumreksturogfjrhagsstWufyrirtkisWurenhanngerirtilboWYaW A&"+ eWatekurafstWutilslutilboWs.  '",  '#-   &  13.gr. ( flunupplUsingavegnasluyfirlits.  f  FasteignasaliskalaflaupplUsingasemframeigaaWkomasluyfirliti.Skalhannskja  upplUsingaropinberarskrogskUrslurefunnter,enstandfasteignar,gerWhennarog a bnaWsemfylgjaviWsluskalhannkynnasrafeiginraun.'(f T,   FasteignasaliberbyrgWYvefupplUsingarsluyfirlitireynastrangareWa;fullngj  andi,endasumaWkennagleysihanseWaYeirraerstarfahansYgu.    SkyldaseljandatilaWveitaupplUsingarsamkvmtlgumumfasteignakauper;hW   skyldumfasteignasalasamkvmtlgumYessum.  X   14.gr.    Kynningfasteignasalaeign.    i  FasteignasaliskalviWkynningueignsemhannhefurtilslumeWferWargtaYessaWupp   lUsingarsemveittareruumhanaoglUsingarhennisurttarogsembestusamrmiviW wO  eiginleikaogstandeignarinnar.Skalhanngtah;fslUsingumeigninni. B    FasteignasaliskalgetaskUrleganafnssnsllumauglUsingumogkynningumeign.S    firmanafnfasteignasluauglUsteWakynntskalnafnfasteignasalaeinnigkomafram.     15.gr. nF FasteignasaliskalverasjlfstWurog;hWurstrfumsnum. 9 ll  Fasteignasalaogstarfsmnnumhanser;heimiltaWkaupaeignsemfasteignasalanum  hefurveriWfalintilslumeWferWar.    Fasteignasalaer;heimilmilligangaumkaupeWaslufasteignarshann,starfsmennhans r eWamakarYeirra,eWaflagYeirraeigu,eigendurhennareWaverulegshlutahennar,eWaef e= YeirbayfirsrstkumupplUsingumumfasteigninasemhafaYUWinguviWslunaogaWrir 0 hafaekkiaWgangaW.    FasteignasaliskaltilkynnaaWilumtafarlaustmeWsannanlegumhttihafihannnokkurra  annarrahagsmunaaWgtaenYeirraervarWagreiWsluY;knunarogtlagWskostnaWar. i   16.gr. ' Fasteignasaliskalgtahagsmunakaupandaogseljanda.  rp  Fasteignasaliskalhvvetnaleysaafhendistrfsnsvosemg;WarviWskiptavenjurbj;Wa.  HannskalliWsinnabWumaWilum,seljandaogkaupanda,oggtarttmtrahagsmunaYeirra. `  HannskaleinniggtaYessaWaWilasueigisettir;lgmtir,;sanngjarnireWa;eWlilegir S+! kostirsamningum. "   17.gr.  $ Samnings-ogskjalagerW. !W% r  FasteignasalaerskyltaWannastallaskjalagerWviWslufasteignaogskalgetaYessskjl J""& unum,YarmeWalsluyfirliti,kauptilboWi,kaupsamningi,afsali,veWbrfiogskuldabrfi, #' hversamiWhafi.SkalnafnfasteignasalakomaframsvoeigiverWiumvillst. #(   llskjalagerWogsamningsgerWskalvnduWogsvorgarWigerWaWhagsmunirbeggja $ ) aWilasutryggWirogrttarstaWahvorsumsigsglgg. v%N!*   A&"+   & ,  18.gr. ( Vrslufjrreikningar.  u  FasteignasalaerskyltaWhaldafjrmunumsemhanntekurviWYguannarraaWgreindum  freiginf.Skuluslkirfjrmunir',(uԀvarWveittirsrstkumvrslufjrreikningi.Vextir,sem a vrslufkunnaaWfalla,rennatileigandaYess.FasteignasalierekkieigandiinnstWu T, vrslufjrreikningisamkvmtYessarigreinoginnstWanerekkihftandlagaWfarargerWa  hjhonumogstendurutanskuldaraWarviWskiptibihans.    UmvrslufjrreikningagildannarikvWisemrWherraseturreglugerWskv.28.gr.aW   fengnumtillgumeftirlitsnefndarfasteignasala.  X   III.KAFLI     EftirlitmeWstrfumfasteignasala.     19.gr.   Eftirlitsnefndfasteignasala. wO  +y  EftirlitsnefndfasteignasalaannasteftirlitmeWstrfumfasteignasalasamkvmtfyrirml B  umlagaYessara.ViWskiptarWherraskiparYrjnefndarmennogvaramennYeirratilYriggja    rasenn.EinnnefndarmannaskalverafasteignasaliogeinnlggilturendurskoWandi.Hinn   YriWji,semveraskalformaWurnefndarinnar,skalveralgmaWurogfullngjaskilyrWumtil {  aWgegnaembttihstarttard;mara.VaramennskulufullngjasmuskilyrWumogaWal nF menn.RWherrakveWurY;knunnefndarmanna. 9   SrhverfasteignasaliskalgreiWarlegteftirlitsgjaldaWfjrhW80.000kr.tilaWstanda  straumafkostnaWiviWstrfeftirlitsnefndarfasteignasala.NsUnirfasteignasaliframaW  fleirieneinnfasteignasalirekisamanfasteignasluogvinnismustarfsstW,eWastarfihj r samaflagiogsmustarfsstW,ogskalYaWeinsgreiddsfjrhW,semgreinir1.mlsl. e= Gjalddagigjaldsinser1.jl.EfgjaldiWerekkigreittinnan30dagafrgjalddagaskalgreiWa 0 drttarvextiafYvskv.III.kaflalagaumvextiogverWtryggingu.GeramaWfrnundan  genginsd;mstilfullnustuvangoldnueftirlitsgjaldi,samtfllnumvxtumogdrttarvxt  um. i   EftirlitsnefndfasteignasalaerheimiltaWrWasrstarfsmanntilYessaWhngetisinnt \4 skyldumsnum. '   EftirlitsnefndfasteignasalaerheimiltaWkveWjasrtilrWgjafarogaWstoWarsrfr;Wamenn  efhntelurYrf.SkuluYeirstarfameWnefndinniviWundirbningogmeWferWmlseftir  kvrWunformanns. `    UmmeWferWmlaerltaaWminninguogtmabundinnisviptingulggildingarfersam S+! kvmtkvWumstj;rnsUslulagaaWYvleytisemekkierkveWiWumannaWlgumYessum. "   NefndarmennogstarfsmaWurnefndarinnarerubundnirYagnarskylduumalltsemYeir # komastaWstarfisnuogleyntaWfara.HiWsamaviWumYsemnefndinkveWursrtil  $ rWgjafarogaWstoWar.XagnarskyldanhelstY;ttltiWsafstrfum. !W%   20.gr. #' Hlutverkeftirlitsnefndar. #(   EftirlitsnefndfasteignasalaskalhafaeftirlitmeWYvaWfasteignasalarstarfisamrmiviW $ ) kvWilagaYessaraogreglugerWasemsettarerusamkvmtYeim,aWrarrttarreglursem v%N!*  YUWinguhafafyrirstrffasteignasalaogg;Warvenjurfasteignaslu. A&"+   & ,  HnskalfylgjastsrstaklegameWeftirtldumYttumstarfifasteignasala: ( ! ! (g00 "i(m"  i(m2g  a  .3  Ԉ0    aWeignarhaldaWfasteignaslumssamrmiviWlgYessi,i(mՇ݌ Ќ  "i(m"  i(mˈ2g  b  .3  Ԉ0    aWfasteignasalistarfifasteignaslusinnioghafiekkiaWraYj;nustusinnienYsem  byrgWartrygginghanstekurtileWaerusjlfirfasteignasalar,',(i(mˈ݌a Ќ  "i(m"  i(m}2g  c  .3  Ԉ0    aWfullngjandibyrgWartryggingarsuteknarvegnastarfseminnar,i(m}݌T, Ќ  "i(m"  i(m2g  d  .3  Ԉ0    aWfasteignasalargeriYauskjlerlgYessiogg;Warvenjurfasteignaslubj;Wa,i(m΋݌ Ќ  "i(m"  i(m2g  e  .3  Ԉ0    aWskjlsugerWrttumtmaogrituWafYeimsemskylter,i(m݌ Ќ  "i(m"  i(m 2g  f  .3  Ԉ0    aWfasteignasalarhagiskjalagerWefnislegasamrmiviWkvWilagannaogg;War   venjurfasteignaslu,i(m :݌ X Ќ  "i(m"  i(mx2g  g  .3  Ԉ0    aWfasteignasalarsinnisjlfirYeimstrfumsemlggildingYeirratekurtilogfeliYeim K #  semrWnirerutilstarfahjYeimekkinnurstrfenYausemheimildirstandatil,i(mx݌   Ќ  "i(m"  i(m+2g  h  .3  Ԉ0    aWhagsmuniraWilaaWsamningumsuekkifyrirborWbornir,i(m+X݌   Ќ  "i(m"  i(mN2g  i  .3  Ԉ0    aWmeWferWfjrmunaeiguviWskiptamannaYeirrashvvetnasamrmiviWlgYessi   ogreglurumvrslufjrreikninga,i(mN{݌wO  Ќ  "i(m "  i(m˓2g  j  .3  Ԉ0    aWfasteignasaliuppfyllivalltskilyrWilagaYessaratilaWverafasteignasaliogi(m˓݌B  Ќ  "i(m "  i(m2g  k  .3  Ԉ0    aWfasteignasaligtiaWfyrirmlumlagaumaWgerWirgegnpeningaYvttiogfjr    mgnunhryWjuverka.i(m3݌  Ќ    Nhefurhstarttar-eWahraWsd;mslgmaWurfengiWlggildingusemfasteignasaliog {  hefurYeftirlitsnefndfasteignasalaskyldurtileftirlitsmeWhonumsamkvmtkvWum nF Yessaralaga. 9   21.gr.  Heimildirogskyldureftirlitsnefndar. r   FasteignasaliskalskilatileftirlitsnefndareigisWarengsthvertryfirlUsingulggilts e= endurskoWandaumaWmeWferWhansfjrmunumviWskiptamannahansundangengiWreikn 0 ingsrssamrmiviWlgYessiogreglurumvrslufjrreikninga.    NhefuryfirlUsinguendurskoWandaekkiveriWskilaWrttuhorfi,ogYessefnissem  krafister,lokgstmnaWarogskalYeftirlitsnefndveitatveggjaviknafresttilskilanna. i SekkiorWiWviWskorunumskilogskUringarsemnefndinmeturfullngjandiekkiveittar \4 YvaWskilhafiekkifariWframskaleftirlitsnefndsviptafasteignasalatmabundiWlggild ' inguhans.HafiyfirlUsinguekkiveriWskilaWrttuhorfi1.okt;bersamarskalfasteignasali  serhlutsvipturlggildingutmabundiW.    EftirlitsnefnderheimilthvenrsemerognfyrirvaraaWskoWab;khaldogllskjlfast `  eignasalasemtengjastrekstrihanseWaeinstkummlumsemhannhefurmeWhndum.Skal S+! nefndinframkvmaslkaskoWunsvooftsemYurfaYykirogeigisjaldnarenYriWjahvertr " hjhverjumfasteignasala. #   BeristeftirlitsnefndtrverWugbendingumaWmisfellursustarfsemifasteignasalaskal  $ hnsvoflj;ttsemauWiWerrannsakamliW,m.a.meWskoWunstarfsstWhans.Nfinnst !W% b;khaldeWannurggneWaskjlfasteignasalaekkistarfsstWhansogskalYnefndinni J""& heimiltaWleitaYeirraannarsstaWarYarsemtlamaWYausugeymd. #'   NsynjarfasteignasalieftirlitsnefndumaWgangaWstarfsstWsinni,ekkinstaWaflasam #( YykkishanseWatlamaWbrUnumranns;knarhagsmunumverWiteflttvsUnuefleitaWer $ ) samYykkishans,oggeturYnefndin;skaWaWstoWarlgreglutilaWhnfisinnteftirlitisnu. v%N!* HiWsamaviWefb;khaldeWannurggneWaskjlfasteignasalaeruvrslumYriWja A&"+  manns.UmslkaleitgildakvWiXI.kaflalagaummeWferWopinberramla.  '",   &   NtelureftirlitsnefndaWfasteignasalieWaaWrirhafiviWreksturfasteignaslugerstbrot ( legirviWalmennhegningarlgstrfumsnum,'(WԀeWasUntafsraWrarefsiverWahttsemi,og  skalhnYtilkynnaYaWlgreglumeWformlegumhtti.Nefndinskalhaldaframranns;kn  sinniogljkamliYessfasteignasalaerhlutY;ttlgreglussendtilkynningoghnhefji a ranns;knmls. T,   HafieftirlitsnefndboristkvrtuneWabendingummisfellurstarfifasteignasala,eWaef  hnhefurtekiWmltilmeWferWaraWeiginfrumkvWi,geturnefndinlokiWmlinumeWbeit  inguagaviWurlagaeWatmabundinnisviptingulggildingarY;ttfasteignasalihttistrfum   ogskilitilsUslumannslggildingusinniWureneWameWanmliWertilmeWferWarhj  X nefndinni. K #    22.gr.    AgaviWurlgogtmabundinsviptinglggildingar.   Ħ  NtelureftirlitsnefndfasteignasalaaWfasteignasalihafivanrktskyldursnar,eWahann wO  hafigerstbrotlegurviWlgstarfsemisinni,ogskalhnYskorahannaWbtarWsittn B  tafar.GerihannYaWekki,eWaefnefndinteluraWbrotsekkismvgilegt,geturhnveitt    fasteignasalaminninguvegnaslkrabrota.Wurenminningerveittskalnefndingefa   fasteignasalanumkostaWkomaaWsj;narmiWumsnum. {    NlturfasteignasaliekkiskipastviWminninguskv.1.mgr.eWahannvanrkiralvar nF legaskyldursnaraWmatieftirlitsnefndareWahefurtrekaWveriWminnturvegnabrotasinna, 9 nYessaWstarfsemihansteljistkomingotthorf,ogskalYnefndinsviptahanntmabundiW  lggildingutilfasteignaslu.WurentilYesskemurskalhngefahonumkostaWkomaaW  sj;narmiWumsnumsYesskostur. r   NfelstbrotfasteignasalaYvaWhannhltirekkireglumummeWferWfviWskipta e= mannasinnaogskalYnefndin,efhntelurtilYessrWrm,skorahannaWbtarntafar. 0 Efnefndintelurekkisvigrmtilskorunar,fasteignasalisinnirekkiYegarslkriskoruneWa  brotertaliWsvoalvarlegtaWekkiskosturtilrb;tafyrirfasteignasalasviptirhnhann  lggildingutmabundiW. i   Ntelureftirlitsnefnd,semsvipthefurfasteignasalalggildingusinnitmabundiW,aW \4 httasaWhannhafimillignguumfasteignaviWskiptiogskalhnYmeWatbeinalgreglu ' lokastarfsstWhans.    NtelureftirlitsnefndaWfasteignasali,semhnhefursviptlggildingutmabundiW,hafi  bttaWfullurYvsemb;tavantvarrekstrihanseWavinnubrgWumogvartilefnisvipt `  ingarinnaroggeturhnYafturkallaWhana. S+!   TmabundinsviptinglggildingargeturekkiveriWlengurentilt;lfvikna. "   Nveitireftirlitsnefndfasteignasalaminningu,sviptirhanntmabundiWlggildingueWa # lokarstarfsstWhansogskalYnefndintilkynnaYaWYegarstaWtilsUslumanns.  $   FasteignasaliskalgreiWakostnaWafranns;knogmeWferWmlshafireynsttilefnitilaW !W% sviptahannlggildingutmabundiWeWalokastarfsstWhanssvosemumgetur7.mgr.0 J""& kvrWunnefndarinnarskaltekinafstaWatilYesshvortfasteignasalaergertaWgreiWaallan #' kostnaWafranns;knogmeWferWmlseWaaWeinshlutahanshafiekkiallarvirWingarsem #( hannvorubornarveriWrkumreistar.kvrWunnefndarinnarummlskostnaWeraWfarar $ ) hfaWliWnummlskotsfrestiskv.4.mgr.23.gr. v%N!*   EftirlitsnefndfasteignasalaskalbirtarlausnirsnareWatdrttirYeimopinberlega. A&"+ Gtaskalnafnleyndar.  '",  '#- & ,   23.gr. ( MlskottilviWskiptarWherra.  |  FasteignasaligeturskotiWkvrWuneftirlitsnefndarumaWveitahonumminninguogum  greiWslumlskostnaWartilrWherra.',(p a   FasteignasaligeturskotiWtilrWherrakvrWuneftirlitsnefndarumtmabundnasviptingu T, lggildingu,svoogkvrWunnefndarinnarumaWlokastarfsstWhans,aukkvrWunar  hennarummlskostnaW.    EftirlitsnefndgeturskotiWmlifasteignasala,semsvipturhefurveriWtmabundiWlggild   ingutilfasteignaslu,tilrWherra.Geturnefndinm.a.gertkrfuumaWrWherramlifyrir  X um;tmabundnasviptingulggildingar.XrttfyrirkvWi6.mgr.22.gr.helstsviptinglg K #  gildingartilfasteignaslumeWanmlertilmeWferWarhjrWherra.      FresturtilYessaWskj;tamlitilrWherraskv.1.!3.mgr.er30dagarfrYvaWkvrWun    vartilkynntfasteignasala.     RWherrageturfelltrgildikvrWunumtmabundnasviptingulggildingar,breyttYeim wO  tmasemsviptinginskalstanda,staWfestkvrWunumtmabundnasviptingulggildingareWa B  kveWiWaWhnskulivera;tmabundin.JafnframtgeturrWherrastaWfesteWabreyttkvrWun    eftirlitsnefndarummlskostnaWoggreiWsluhans.     RWherraskaltakamltilmeWferWarogljkaYvY;ttfasteignasalihttistrfumogskili {  tilsUslumannslggildingusinniWureneWameWanmeWferWmlsstendur. nF   Smliumminningufasteignasala,tmabundnasviptingulggildingareWalokunstarfs 9 stWvarskotiWtilrWherraskalhanntilkynnaeftirlitsnefndummlalyktir.    EftirlitsnefndfasteignasalaskalauglUsaLgbirtingablaWikvrWunumtmabundnaog  ;tmabundnasviptingulggildingartilfasteignaslu. r   MlsmeWferWsamkvmtYessarigreinskalverasamkvmtstj;rnsUslulgum. e=   HeimilterfasteignasalaaWleitarlausnard;mst;laumkvrWunrWherra. 0   24.gr.  MissirskilyrWatillggildingarfasteignasala. i   FullngifasteignasaliekkilengurlgmltumskilyrWumtillggildingarfellurlggilding \4 hanssjlfkrafaniWurogerhonum;heimilfrekaristarfsemiogberaWskilatilsUslumanns ' lggildingarskrteinisnu.Samagildirhttifasteignasalistrfum.HeimilteraWveitafast  eignasalalggildinguaWnUjusUnihannframaWhannfullngilagaskilyrWumtilhennar.    NfellurlggildingfasteignasalaniWurskv.1.mgr.ogberYeftirlitsnefndfasteignasala `  aWtilkynnaYaWYegarstaWtilsUslumannsogauglUsaYaWLgbirtingablaWi. S+!   25.gr. # Fasteignasalanrttinda.  $   EfeftirlitsnefndberastupplUsingarumaWmaWursemekkihefurfengiWlggildingutil !W% fasteignaslustundislkastarfsemieWaaWfasteignasalifullngiekkilengurlgmltumskil J""& yrWumtillggildingarsemfasteignasalienstarfiY;framsemslkurernefndinniheimilt #' aW;skaYessviWsUslumannaWstarfsstWviWkomandiverWilokaWYegarstaW. #(   $ )   &   IV.KAFLI (  Krunefndummlefnifasteignasala.   26.gr.  Krunefndummlefnifasteignasala. a   ViWskiptarWherraskiparkrunefndummlefnifasteignasalatilYriggjarasenn. T, NefndarmennskuluveraYrrogskulu'( Ԁa.m.k.tveirveralgfrWingar.SkulutveirYeirraskip  aWirntilnefningar,eneinneftirtilnefninguHseigendaflagsins.KrunefndinskalvistuW  hjNeytendastofusem&  srhennifyrirfundaraWstWu,tekurviWkvrtunumtilnefndarinnar,   annasttilkynningarogsrumvrslugagna.'   X   27.gr.    VerkefnikrunefndarogniWurstWur.    W  TeljikaupandieWaseljandifasteignar,semeigendaskiptihafaorWiWaWfyrirmilligngu   fasteignasala,aWfasteignasalihafivaldiWsrtj;nimeWbrotumstarfsskyldumsnumeWa wO  krafisteWafengiWgreiddaY;knunsemhannttiekkirttgeturhannsniWsrtilkru B  nefndarummlefnifasteignasala.KvrtunskalberastkrunefndinniinnanrsfrYvaW    Y;knunarvarkrafisteWahngreiddeWafrYvaWYeimerkvrtunsendirvarWeWamtti   verWalj;staWhannvarWfyrirtj;niafvldumfasteignasala. {    Krunefndskalltalj;slitYvhvortfasteignasalihafittrtttilY;knunarYvtilviki nF semumrWiroghverfjrhWhennarskulivera.Nefndinskaleinnig,YegarYesser;skaW, 9 ltalj;slitYvhvortserkvartarhafiorWiWfyrirtj;nivegnastarfafasteignasala,eWa  Yeirraerstarfahansvegum,hverfjrhWtj;nsinseroghvortYvhafiveriWvaldiWmeW  httsemisemleiWitilskaWab;taskyldufasteignasala. r   KrunefndskalleitastviWaWskilaskriflegulitisemfyrstogekkisWarenmnuWieftir e= aWkrWilagWifram,eWattiYesskostaWleggjafram,andmlisneWaathugasemdir. 0   SerkvartartilkrunefndarskalgreiWakrugjaldsemrWherrakveWurreglugerW.  KrugjaldskalendurgreitteffallisterheildeWaaWhlutakrfurYesserkvrtunberfram.    NiWurstWumkrunefndarverWurekkiskotiWtilannarrastj;rnvaldaenaWilargetalagt i greiningsinnfyrird;mst;lameWvenjulegumhtti. \4   ViWskiptarWherraerheimiltaWsetjameWreglugerWnnarikvWiumvaldsviW ' krunefndar,krugjald,mlsmeWferWarreglurfyrirnefndinniogstrfhennaraWWruleyti.    V.KAFLI `   HeimildtilaWsetjareglugerW.  S+! 28.gr. " ReglugerWarheimildir. #    ViWskiptarWherraerheimiltaWsetjareglugerWumeftirtalinatriWi:  $ ! ! (g00 "i(m"  i(m2g  a  .3  Ԉ0    umsamningaumYj;nustufasteignasalaogumsluyfirlit,i(m݌!W% Ќ  "i(m"  i(m2g  b  .3  Ԉ0    umstarfsbyrgWartryggingufasteignasala,YarmeWalumvtryggingarfjrhWir,i(m4݌J""& Ќ  "i(m"  i(m>2g  c  .3  Ԉ0    umYaustrfsemfallaundireinkarttfasteignasalaenhonumerheimiltaWfelastarfs #' mnnumsnumaWsinnaviWfasteignasluna,i(m>k݌#( Ќ  "i(m"  i(m2g  d  .3  Ԉ0    umtibfasteignasala,i(m݌$ ) Ќ  "i(m"  i(m2g  e  .3  Ԉ0    ummenntunfasteignasalaogpr;f,Y.e.ummeginatriWiYeirranmskeiWasemkennderu v%N!* ogeiningafjlda,i(m݌A&"+ Ќ  "i(m"  i(m2g  f  .3  Ԉ0    ummenntun,pr;fogtryggingarYeirrasemfengiWhafaleyfitilstarfaviWfasteignaslu  '", eWamlflutningWrurkiEvr;pskaefnahagssvWinueWaFreyjum,i(mC݌'#- Ќ  "i(m"  i(m2g  g  .3  Ԉ0    umvrslufjrreikninga,i(m݌( Ќ  "i(m"  i(m2g  h  .3  Ԉ0    umeftirlitsnefndfasteignasalaogi(m݌ Ќ  "i(m"  i(m2g  i  .3  Ԉ0    umkrunefndummlefnifasteignasala.i(m݌ Ќ    &  VI.KAFLI T,  SkaWabturogrefsingar.   29.gr.  SkaWabtur.     FasteignasaliberbyrgWtj;nisemhanneWastarfsmennhansvaldastrfumsnum,af  X setningieWagleysi.Umsakarmatog'TԀsnnungildareglurskaWab;tarttar.Fasteignasala K #  semhttirstrfumerY;alltafskyltaWbtatj;nsemviWskiptamaWurhansverWurfyrirviW    YaWaW;lokiWerfrgangisamningaeWaskjalaeWauppgjrivegnaviWskiptasemviWskipta    maWurinnhefurgreittfyrir.     30.gr. B  RefsikvWi.      BrotgegnlgumYessum,ogreglumsettumsamkvmtYeim,varWasektumnemaYyngri   refsingliggiviWsamkvmtWrumlgum.UmslkmlfereftirlgumummeWferWopinberra {  mla. nF   VII.KAFLI   TmiskvWi.   31.gr. r Rttindisamkvmteldrilgum. e= >  XeirsemhlotiWhafalggildingutilfasteignaslusamkvmteldrilgumumslufast 0 eigna,fyrirtkjaogskipaskuluhaldahenni.    32.gr. i Gildistakaogbrottfallinlg. \4   LgYessiWlastgildi1.jn2008.Jafnframtfallargildilgnr.99/2004,umslu ' fasteigna,fyrirtkjaogskipa,meWsWaribreytingum.    kvWitilbrWabirgWa. `  I.  S+!   HaldiFlagfasteignasalaframstarfsemisemhagsmuna-ogfrWsluflagYgufast " eignasala,eftiraWlagakvWiumskylduaWildfasteignasalaaWflaginuhafaveriWfelldr # gildi,skalflagiWhaldaeignumsnumenjafnframtbyrgjastfjrhagslegarskuldbindingar  $ semstofnaWhefurveriWtilnafniYessfyrirgildistkulagaYessara. !W%   II.  #' E  SsemhefurviWgildistkulagaYessarahafiWnmtilundirbningsfyrirpr;fraunfast #( eignasalaeWalokiWhlutapr;fraunarskaleigaYesskostaWljkanmiogpr;fraunsamkvmt $ ) eldrireglumfyrir1.janar2013.UmboWpr;fnefndarsemstarfarsamkvmtlgumnr. v%N!* 99/2004skalframlengjasttilsamatma. A&"+    '", & a    III.  ( g  Fyrstigjalddagieftirlitsgjaldsskv.19.gr.lagaYessaraskalvera1.jl2010.KostnaWur  viWstarfeftirlitsnefndarfasteignasala'a(QԀtilYesstmaskalgreiWastrsj;Winefndarinnar.    & a IV.  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(   & a MeWbrfidags.31.ma2007skipaWid;ms-ogkirkjumlarWherra,semYf;rmeW  Yennanmlaflokk,Yriggjamannavinnuh;ptilaWvinnaaWendurskoWunlagaumslufast  eigna,fyrirtkjaogskipa,nr.99/2004.0upphafibrfsinssegir:'aj a   ?SamkvmtkvWitilbrWabirgWalgumumslufasteigna,fyrirtkjaogskipanr. T, 99/2004skululginendurskoWuWfyrir1.janar2008.ViWYendurskoWunskalsrstaklega  kannahvortstWastilaWmlaframfyrirumskylduaWildaWFlagifasteignsala,hvort  markmiWmeWeftirlitskerfiIII.kaflalagannahafinWstoghvortefnisutilaWlkkaeftirlits   gjaldskv.2.mgr.19.gr.laganna.   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B    LagtertilaWgerWverWismvgilegbreyting5.mgr.1.gr.gildandilaga,Y.e.aWbtt    verWiinnlokamlsliWinnorWunum?umstrffasteignasalaogskyldurtilaWgtahagsmuna   beggjaaWila .RkinfyrirYessaritillgueru,aWhnykkjaYarfYv,hverthlutverkYeirra {  fasteignasalaer,semtakaaWsrYauverkerumrWirfyrirbyggingaraWilaogflagasamtk, nF semseljaeigineignir.TillaganersamrmiviWmarkmiWlaganna,Y.e.aWkaupendurslkra 9 eignagetitreystYv,aWY;ttYeirkaupifasteignirafbyggingaraWilumeWaflagasamtkum,  semeruaWseljaeigineignir,aWfasteignasalinnsemannastskjalagerWinas;hWuroghann  veitirsmurWgjfogfasteignasalareigaaWgeraWrumtilvikum.0YessufelstaWfasteigna r salinnYarfaWgerakaupandagreinfyrirrttarstWuhans,hvortfjrmgnunerhagstWeWa e= gtiveriWhagstWariogWrumatriWum.HannYarfaukYessaWtryggjaaWekkisu;lg 0 mtir,;sanngjarnireWa;eWlilegirskilmlarYeimsamningum,semgerWireruvegnaYessara  viWskipta.0tillgunnifelstekkiverulegbreyting,fremurrttingumskyldurfasteignasala  viWYauviWskiptisemumrWir. i   Um3.gr. ' o  0dliWertillagaumbreytingarreglumummenntunfasteignasala.MenntunYeirrahefur  veriWundireftirlitisrstakrarpr;fnefndaroghafaveriWrekinnmskeiWa.m.k.tveimur  hsk;lumsemstaWiWhafaYrjmisseri.LagtertilaWreglurummenntunfasteignasalaverWi `  felldaraWlggjfummenntunviWhsk;la.TillaganmiWastviWaWmenntunfasteignasalageti S+! falliWundiraliW2.mgr.7.gr.lagaumhsk;la,nr.63/2006.UpphafYeirrargreinarhlj;War " svo: #   ?Hsk;larkveWafyrirkomulagkennslu,ranns;kna,nmsognmsmats.  $   Hsk;larkveWahvaWanmYeirbj;WainnansnsfrWasviWs.ViWurkenndarpr;fgrWur !W% oglokapr;f,semhsk;larmiWaviW,eru: J""&  (g03q"i(m"  i(mt2g  a  .3  Ԉ0    dipl;mapr;fsemjafngildira.m.k.30!120stWluWumnmseiningum[...] i(mtt݌#' Ќ    MeWstWluWumnmseiningumerttviWECTSeiningar(EuropeanCreditTransferSys #( tem),enhverslkeiningertvfldseiningsemalgengtvaraWmiWaviWhrlandifyrir $ ) gildistkulagaumhsk;la,nr.63/2006. v%N!*   BreytinginmiWastviWaWhverhsk;lihafiYaWvaldisnuaWskipuleggjanmfyrirfast A&"+ eignasala,enYaWsY;90staWlaWareiningarogjafnframterlagttilaWviWskiptarWherras  '", heimiltmeWreglugerWaWmlafyrirummegindrttiskipulaginmsins(90ETCSeiningar '#- samsvara45eldrieiningum,Y.e.umeinsoghlfsrsnmi).NmfasteignaslufrWum, ( semhsk;larmunubj;WaeffrumvarpiWverWuraWlgumaWYessuleyti,yrWihWgWaeftir  litisamrmiviWreglurIV.kaflalagaum&  hsk;la,nr.63/2006,Y.e.meWinnramatihvers  hsk;laogmeWytramatisemmenntamlarWuneytiWhefWimeWhndum.'yԀ a   EffrumvarpiWverWuraWlgumfallaniWurreglurgildandilagaogreglugerWarummennt T, unfasteignasalaogpr;fraun,pr;fnefndognmskeiWshald,enYrerun3.og4.gr.  gildandilaga.rttaWskalaWfrumvarpiWfelurekkisraWnmYeirrasemhyggjastverWa  fasteignasalarverWiviWameiraenner.     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Um4.gr. {    GreinYessisvarartil5.gr.gildandilagaogeruekkigerWartillgurumefnisbreytingar nF henni. 9   Um5.gr.  y  GreinYessisvarartil6.gr.gildandilagaogeinabreytingineraW2.mgr.1.gr.gildandi r lagahefurveriWfrWtiloggerWlokamlsgreinYessarargreinarYarsemreglanerbetra e= efnislegusamhengi. 0   Um6.gr.  ނ  LagtertilaWsettarverWinUjarreglur,semverWi6.gr.,enYeimerY;vartumsrstakar i efnislegarbreytingaraWrWa. \4   TilgangurinneraWhnykkjaYvaWfasteignasalas;heimilt,meiramlienlgin ' heimila,aWfelaWrumaWvinnaYaustrfsemlggildingintekurtilogjafnframtaWhnykkja  byrgWhansvegnaskaWaverkaYeirrasemstarfahansYguviWfasteignasluna.    01.mgr.erYanniglagttilaWfasteignasalimegiekkifelaWrumaWsinnaYeimstrfum `  semlggildingintekurtilnemaYaWsheimilaWlgunum.TilefniYessaWrttYykiraWtaka S+! afskariWumYettaeraWboriWhefurYvaWlausatksuYvframkvmdhvemikiWfast " eignasalinnsjlfursinnirYeimstrfumsemlggildingintekurtiloghvemikiWaWrirgeraog # hvesjlfstWirogeftirlitslausirYeireru.XessarigreintengistsvotillagaumreglusemeraW  $ finna2.mgr.9.gr.RkinfyrirreglunnieruYauaWfasteignasalifrlggildingufrhinu !W% opinberatilYessaWhafaeinkartttilkveWinnastarfa,Y.e.aWhafamillignguumslufast J""& eigna,fyrirtkjaogskipa.SlkumeinkarttifylgirmikilbyrgW,endaeroftastumaleigu #' kaupendaogseljendaaWrWa.Lggildingfasteignasala,ogYarmeWeinkartturhans,erveitt #( eftiraWhannhefursUntframaWhannuppfyllitiltekinpers;nuleghfisskilyrWi,semlta $ ) aWfjrhagsstWu,vtryggingumtilhagsb;tafyrirviWskiptamennhans,menntunogstarfs v%N!* reynsluogUmsumWrumatriWum,semltaaWheimilisfestiogYvaWhannhafiekkigerst A&"+ brotlegurviWkvWitilgreindrakaflaalmennrahegningarlagaeWaveriWdmdurfangelsi  '", Wrumgrundvelli.XaWerekkiaWstWulaususemYessarpers;nulegukrfurerugerWar. '#- MarkmiWYeirraeraWtryggjasvosemunnterhagsmuniYeirra,semseljaeWakaupaeignir ( semfasteignasalarvlaum,endaersemfyrrsegiryfirleittumaWrWaaleiguf;lks.XaWfelst  reglunniumaWfasteignasaliYurfiaWuppfyllapers;nuleghfisskilyrWiaWhannverWisjlfur  aWsinnaYeimstrfumsemlggildingintekurtil.XaWereinungisYessiveruleikisemlagter a tilaWskrifaWurverWilgin.NauWsynlegterY;aWopnaYannmguleikaaWfasteignasaligeti T, ltiWYsemrWnirerutilstarfahjhonumsinnaeinfldumogauWveldumverkum,Y;ttYaW  sbyrgWfasteignasalans.UmYaWerugerWartillgur2.mgr.9.gr.frumvarpsins.    EinnigerlagttilaWtekiWsafskariWumaWfasteignasaliberiskaWab;tabyrgWYvtj;ni   semYeirvaldaerstarfahansYgu.LginheimilasamkvmtorWannahlj;WanaWeinsaW  X fasteignasalifeliYeimsemrWnirerutilstarfahjhonumaWsinnaverkumsemfallaundir K #  lggildinguna.Tilgangurreglunnar,semhrergerWtillagaum,eraWtakaaftvmliumaW    fasteignasaliberiekkiaWeinsskaWab;tabyrgWgrundvellialmennrareglna,Y.e.reglunnar    umvinnuveitandabyrgW,heldurlkaWrumsemstarfahansYgu,jafnvelY;ttumYaWs   ekkigerWursrstakurrWningarsamningur.FlagfasteignasalahefurlagthersluaWsetja wO  YurfikvWisembanniverksamninga,a.m.k.umtilgreindstrffasteignasala.Vandaml B  tengdverksamningum,semmjgeramastviWskUringumfrumvarpitilgildandilaga,eru    tvYtt,Y.e.;vissaumskaWab;tarttarlegastWuYeirrasemverWafyrirtj;niafvldumYeirra   semstarfaYgufasteignasalagrundvelliverksamninga,ogaWmeginreglanersaW {  starfsbyrgWartryggingartakaaWWrujfnuaWeinstilskaWaverkavtryggingartakaog nF starfsmannahans.FramkvmdinhvaWstarfsbyrgWartryggingarvarWarhefurY;veriWsaW 9 slenskvtryggingaflghafafallistaWYeirsemstarfaYgufasteignasalafalliundir  starfsbyrgWartrygginguna,;hWYvhverskonarsamningistarfYeirraYgufasteignasala  erreist.:YarftYykiraWsetjasrstakabannregluumverksamninga,endaheimilalginaWeins r aWmiWaWsviWrWningarsamninga.MeWYeirribreytingusemhrergerWttiYaWekkiaW e= raskahagsmunumviWskiptamannafasteignasalaY;ttmennstarfiYj;nustufasteignasalans 0 nYessaWumsrstakanrWningarsamningsaWrWa,endaerutekinaftvmliumbyrgW  hansllumYj;nustuhans.XettamunauWveldatj;nYolasnnunumbyrgWfasteignasala  eflj;skemuraWeinhvertvmlieruuppiumeWliYesssamningssemliggurtilgrundvallar i starfiYesssemsinnirverkumYgufasteignasala. \4   Um7.gr.  Ś  EkkierugerWartillgurumefnislegarbreytingarsemverulegumliskiptaYessarigrein,  helduraWeinsminnihttarbreytingar. `    XessskalgetiWaWvinnuh;purd;ms-ogkirkjumlarWherraogsnefndsemviWskiptarW S+! herraskipaWioggekkfrfrumvarpiYessut;kutilsrstakrarumrWuogathugunarhvort " stWavritilaWbreytareglumumeignarhaldfasteignaslu.XeirfulltrarRE/MAX0s # land(Fasteignaslusrleyfaehf.)semmttufundnefndarinnartldunauWsynlegtaWbreyta  $ reglumumeignarhaldfasteignaslumogvsuWutilYr;unarsemorWiWhefWiannarsstaWar !W% NorWurlndumYeimefnum.FrWuYeirframUmisrkfyrirslkumbreytingum,m.a.aW J""& YaWgtileitttilaukinnarsamkeppni,strriogflugrirekstrareiningaogYaWgtiorWiW #' almenningitilhagsb;ta.XeirbentuaWreglurnarflusrverulegartakmarkanir #( atvinnufrelsiogskerWingueignarrttiogYaWgtifariWbgaviWYaukvWistj;rnarskrr $ ) semvernduWuslkrttindi.XbentuYeirUmsarstarfsstttir&  semekkiYyrftuaWstaslkum v%N!* skerWingum,svosemverkstj;ra,skipstj;ra,byggingastj;ra,lknaogUmsaiWnaWarmenn.'v%Ԁ A&"+   RtteraWlggjfumfasteignaslusumumNorWurlandarkjumhefurveriWhorfiWfr  '", krfumumaWfasteignasaliskulisjlfureigafasteignasluYsemhannstarfarviWeWameiri '#- hlutaflagiumreksturfasteignaslunnar.XannigerviWYaWmiWaWnUjumnorskumlgum ( umfasteignaslu,lovomeiendomsmegling,nr.73/2007,fr29.jn2007,aWaWrirenfast  eignasaligetittfasteignaslu,aWYvgefnuaWnorskafjrmlaeftirlitiW(Kredittilsynet)hafi  veittstarfsleyfi.BankarYurfaY;almenntekkislktleyfi.MeWbreytingum,semgerWarvoru a lgumumfasteignaslu,lovomomstningaffastejendom,nr.691/2003,enbreytingalg T, inerunr.412og605fr2005,eruekkilengursettartakmarkanirviWeignarhaldifasteigna  slum.X;ttYannighafiveriWfalliWfrfyrirmlumumtiltekiWeignarhaldermilligangaum  fasteignakaupY;bWumYessumlndumhWstrngumskilyrWumogmikiWregluverkum   starfsemina.  X   XrttfyrirframanritaWeruekkigerWartillgurumbreytingarreglumngildandilagaum K #  eignarhaldfasteignaslu.stWurYesserueftirfarandi:      0fyrstalagiYykirstWatilaWvkjaekkifrYeirriskipansemhefurveriWgrundvallar    atriWilggjfumfasteignaslu,Y.e.aWfasteignasalissjlfstWurogengumhWurstarfi   snu.ViWskiptamennhanseigaaWgetatreystYvaWrWgjfhansshlutlausogekkihW wO  neinumhagsmunumsemtengjastWruenrttihanstilY;knunarYeimviWskiptumsemum B  rWir.FasteignasalisemeinungiserstarfsmaWurfasteignaslueigubankageturekkiveriW    ;hWurrWgjafiumhvarsaWfinnahagstWustufjrmgnuninavegnakaupaYeirrifasteign   semhanneraWseljavegumbankans.HanngeturekkiheldurveriWhlutlausrWgjafium {  samanburWskilmlumlnasemboWierumarkaWi.SlkhlutlausrWgjferY;afarmikil nF vgmarkaWieinsogerhrlendis,Yarsemmunurerskilmlum,m.a.vxtum,heimildum 9 tilskuldskeytingarogkostnaWi.    0WrulagihefursskipansemveriWhefurviWlUWigefistvel.RWgjffasteignasalahefur  almenntveriWhlutlaus,a.m.k.hefurhnekkim;tastafhagsmunumfjrmlafyrirtkjaeWa r annarraaWila.XaWerhelstviWslufasteignumbyggingaraWilasemhttaerYvaWrWgjf e= ogstarffasteignasalagetilitastafhagsmunumbyggingaraWilans.XessvegnaerleitastviW 0 aWtreystasjlfstWarWgjfhans,svosemgerterrWfyrir2.gr.frumvarpsins.    0YriWjalagiverWuraWhafahugaYegargerWarerur;ttkarbreytingarYeirriskipan,sem  veriWhefurviWlUWiaWmilligangaumfasteignakauphrlandihefuralmenntveriWrugg i ogskilvirkogkostaWltiWmiWaWviWYaWsemYekkistannarsstaWarNorWurlndum.ViW \4 skiptinhafagengiWhrattfyrirsig,Yvleikurekkivafi.UmryggislkraviWskiptambenda ' aWgerWirhafaveriWnlgt14.000til15.000kaupsamningarumfasteignir0slandisWustu  rin.Einungisfd;msmlrsarihverjuvegnaYeirraviWskipta,Y.e.aWYvleytisemYau  snaaWfasteignaslum.tlamaWumtud;msmlsurekinrlegafyrirhraWsd;mst;lum `  gegnfasteignaslumvegnastarfaYeirraogfervelinnanviWhelmingurYeirratilHstarttar. S+! HvaWvarWarYaWaWkostnaWurviWYessiviWskiptisltillhrlandimbendaaW " sluY;knuneralmenntum1,5%,stundumlgriogstundumhrri.Fasteignasalitekursvo # oftastsrstakaY;knunafkaupandaefhannvinnureinhverstrfaWbeiWnihans.Samanlagt  $ erY;knunfasteignasalaalmenntekkiyfir2%afsluverWifasteignar.Xettaermunlgra !W% hlutfallenannarsstaWarNorWurlndum.AlmennterhlutfalliWDanmrku2!3%,auk J""& kostnaWarkaupandaviWaWleitatillgmannsumyfirlesturogsamYykki,semerumtalsverW #' ur,Noregi2!2,5%,SvYj;W3!3,5%.AWmatinefndarinnarerekkistWatilaWgera #( grundvallarbreytingarskipanmlasemgengurveleinsoghrviW. $ )   0fj;rWalagiverWur,aWlitinefndarinnar,ekkisWannaWenheilbrigWsamkeppnirki v%N!* YeimmarkaWisemhrumrWir.LgY;knunbendirtilYessaWsvos. A&"+   0fimmtalagitelurnefndineWlilegtaWsamaskipansreglumumeignarhaldfasteigna  '", slumoglgmannsstofum,endaermarkmiWiWhiWsama. '#-   LagtertilaWorWunum?meWbeinumhtti verWiskotiWinn2.mgr.7.gr.enYaWergert ( eftirbendingueftirlitsnefndarFlagsfasteignasalavegnamlasemnefndinhefurhafttil  meWferWar.HafamennhaldiWYvframaW;beinneignarhluturYeirraflagiumfasteignaslu  vringjanlegurtilYessaWfullngjaskilyrWiumeignarhald.RtteraWtakaaftvmlium a aWsvosekki. T,   XergerWtillagaumaW3.mgr.7.gr.verWibttviWaWhin;skiptabyrgWfasteignasala,  semrekurfasteignaslusnanafniflags,takieinnigtilYeirrasemstarfaYguflagsins.  ErYettatilsamrmisviWYbreytingusem2.mgr.6.gr.felursr.BreytingartillgurYessar   eruaWeinstilfyllingargildandireglum,enttuekkiaWfelasrefnislegarbreytingar.  X   Um8.gr.      LagtertilaWsettverWisrstkreglaYessarigrein,semauWveldieftirlitsnefndFlags    fasteignasalaaWstaWreynaaWreglumumeignarhaldfasteignaslusfylgt.TillaganergerW   eftirbendinguFlagsfasteignasalaoghefurformaWureftirlitsnefndarlUstYeirriskoWunaW wO  slkreglamundiauWveldastrfnefndarinnar.ReglanekkiaWYurfaaWYyngjafasteignasal B  anumefalltermeWfelldu.      Um9.gr. {    GerWertillagaumaWnUrrimlsgreinverWibttviW8.gr.gildandilaga,semer9.gr. nF frumvarpinu.TillagantengistYeirritillgusemgerWerumnUja6.gr.,YarsemsegiraWfast 9 eignasalaberisjlfumaWsinnaYeimstrfumsemeinkartturhanstekurtilnemaaWYv  markisemYaWerheimilaWlgunum.02.mgr.9.gr.eraWfinnatillguaWslkriheimild.    0fyrstalagierrttaWaWfasteignasaliverWisjlfuraWsinnaYeimstrfumsemlggilding r tekurtil.UmrkfyrirYvvsasttilskUringameW6.gr.frumvarpsins. e=   0WrulagiersvokveWiWumaWhvaWamarkifasteignasalaerheimiltaWfelaeinstakling 0 um,semstarfahjhonumeWaflagihansumfasteignaslu,einstkafmrkuWverkefniviW  slueinstakraeigna.AforWalaginuleiWiraWfasteignasaligeturekkimeWalmennumhtti  faliWstarfsmannisnumaWsinnaverkefnumsemfallaundireinkarttinn.HannverWuraW i geraYaWhverjutilvikifyrirsig.SkvrWunhansverWuraWverareistmati.GerWertil \4 lagaumviWhvaWaYttifasteignasaliaWstyWjastYegarhannframkvmirslktmat,Y.e.YaW ' verWuraWvera;tvrttafmenntun,reynsluogYekkingustarfsmannsinsaWhannsfrum  aWsinnaslkuverkefni.0YessusambandiskaltekiWfram,aW28.gr.frumvarpsinsergert  rWfyriraWviWskiptarWherrahafiheimildtilYessaWsetjareglugerWYarsemnnarverWi `  fjallaWumYaustrfsemfallaundireinkarttfasteignasalaenhonumerheimiltaWfelastarfs S+! mnnumsnumaWsinnaviWfasteignasluna.SreglasemhrergerWtillagaumogtillaga " aWreglugerWarheimildergerWaWfyrirmyndgr.6.2norskumlgumumfasteignaslu(lov # omeiendomsmegling,nr.73/2007).SheimildsemslkrireglugerWflisttilaWlta  $ starfsmennsinnaeinstkumverkefnumer,effrumvarpiWverWuraWlgum,Y;alltafhWYv !W% aWYaWsmatfasteignasalansaWstarfsmaWurinnhafimenntun,YekkinguogreynslutilYess J""& aWsinnaverkefninu. #'   LokserlagttilaWtekiWverWiafskariWumYaWaWstarfsmannis;heimiltaWfelaWrum #( aWsinnaverkumsemfasteignasalihefurfaliWhonum. $ )   Um10.gr. A&"+   EkkiergerWtillagaumbreytingu9.gr.gildandilaga.  '",  '#-   & a Um11.gr. (   GerWertillagaumnUjalokamlsgreinsembtistviW10.gr.gildandilaga.TillaganmiWast  viWaWefsluyfirlitereldraenYriggjamnaWa'a(ԀskulifasteignasaligeranUttnemaengarbreyt  ingarhafiorWiWsemltaaWefniYess.stWaYessararbreytingarersaWYaWermikilvgt a fyrirvntanlegankaupandaaWgetatreystYvaWsluyfirlithafialltafaWgeymarttarog T, uppfrWarupplUsingarumfasteign,t.d.hvlandiveWskuldirogstWuYeirra.Ekkileikurvafi  YvaWflestirfasteignasalartryggjaaWsvosmeWYvaWstaWreynarttmtiupplUsinga  sluyfirlitireglulega,eWaa.m.k.YegarssemsUnirfasteignhugaspyrstfyrirumeignina.   TillaganttiYvekkiaWfelasrneinaviWb;tarvinnufyrirflestafasteignasala,semsinna  X starfisnuafrvekni.TillaganerfyrstogfremstgerWtilYessaWlj;stshvegamlarupplUs K #  ingarsluyfirlitmegavera.VntanlegurtilboWsgjafierYmeWvitaWurumaWYrgetaveriW    alltaWYriggjamnaWagamlaroggeturY;skaWsrstaklegaeftiruppfrsluYeirraefYaW    skiptirhannmliaWfnUjarupplUsingarinnanfrestsins.     Um12.gr. B    011.gr.gildandilagaerfjallaWumefnisluyfirlits.      EkkiYykirstWatilaWleggjatilbreytingargreininni,aWWruleytienYvaWlagttilaW   bttverWinUrriregluinndliW2.mgr.umaWfasteignasalasskyltaWupplUsasluyfirliti {  hvortkaupandasheimiltaWyfirtakahvlandiln;breyttumkjrumogefYaWerekki nF heimilt,hvaWalnskjrhonummunibj;WastoghvortskuldskeytinghefWifrmeWsr 9 einhvernkostnaW.EftirlitsnefndFlagsfasteignasalaogflagiWsjlfthafabentaWundan  fariWhafitrekaWkomiWupptilvikYarsemtilboWsgjafahafiekkiorWiWlj;stfyrreneftiraW  bindandisamningurhefurkomistaWhannYyrftiaWstabreyttumkjrumYeimlnum r semhannyfirtekur,Y.e.hrrivxtumenseljandiYurftiaWgreiWaogaWhannYyrftijafnvel e= aWgreiWafjrmlafyrirtkiY;knunfyrirskuldskeytinguna.TakaYarfaftvmliumaW 0 upplUsaYurfivntanlegantilboWsgjafaumYettaWurentilboWergertogYurfaslkarupp  lUsingarYvaWverasluyfirliti.    Um13.gr. \4   EkkierugerWartillgurumefnisbreytingar12.gr.gildandilaga. '   Um14.gr.    EngarbreytingarerulagWartil13.gr.gildandilaga. `    Um15.gr. 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B    SkylduaWildinhefureinnigveriWnokkuWumdeildmeWalfasteignasala,Y;tt;vstshve    st;rsh;purersemlagsthefurgegnhenni.AukYessmfullyrWaaWYaWhafigengiWeftir   aWflagsskapurfasteignasalahafieflstaWburWum,eneinafrksemdunumfyrirskyldu {  aWildinnivaraWeflaYyrftiflagiW. nF   AfframangreindumstWumerlagttilaWskylduaWildinverWifelldrgildi,enjafnframt 9 gerWtillagaumkvWitilbrWabirgWasemfelursraWnverandiFlagfasteignasalahaldi  eignumYeimogberiYrskyldur,semflagiWviWgildistkulaganna.XessskalgetiWaW  FlagfasteignasalahefurlagsteindregiWgegnYvaWkvWiumskylduaWildinaverWifelld r rgildi. e=   VegnaniWurfellingar18.gr.ogYeirrarstaWreyndaraWafleiWingingeturorWiWsaWekkert 0 flagfasteignasalaeWamrgflgverWistarfandieftirnokkurr,erekkimgulegtaWtla  flaginuneittlgbundiWhlutverk.AfYvleiWiraWallarreglursemmiWastviWaWFlagfast  eignasalahafihlutverkiaWgegnaerufelldarrgildieffrumvarpiWverWuraWlgum.XaW i verWurYessvegnaviWfangsefniforystuFlagsfasteignasalaaWlaWafasteignasalaaWflaginu \4 YeimforsendumaWYeirteljisighafaafYvgagnoge.t.v.ngju,nYessaWYeimsYaW ' skylt.    19.gr.frumvarpsinseraWmestu;breyttfrgildandilgumenY;erlgWtilbreyting2.  mgr.semfelursrlkkuneftirlitsgjaldsogbreytinguforsendumgjaldtkunnar. `    019.gr.gildandilagavarkveWiWaWeftirlitsgjaldiWskyldivera100.000kr.hvernfast S+! eignasala.ViWkvrWungjaldsinsvarrenntblintsj;innmeWkostnaWafeftirlitinu.TilhliW " sj;narmbendaaWeftirlitsgjaldvtryggingamiWlaraeraWlgmarki300.000kr.riog # verWbrfamiWlunaraWlgmarki350.000kr.ri,sbr.5.gr.lagaumgreiWslukostnaWarviW  $ opinberteftirlitmeWfjrmlastarfsemi,nr.99/1999.Vonirst;WutilaWkostnaWurviWeftirlit !W% meWfasteignasluyrWiminni,Y;tteftirlitiWvriaWmrguleytiviWamikiW.Reynslanhefur J""& orWiWsaWkostnaWurviWstarfeftirlitsnefndarFlagsfasteignasala,semheitamuneftirlits #' nefndfasteignasala,effrumvarpiWverWuraWlgum,hefurreynstmunminnientlaWvar #( aukYesssemfasteignaslumhefurfjlgaW.Heildargjaldtakavegnaeftirlitsgjaldser $ ) 27.000.000kr.ri,eWaYarumbil.KostnaWurviWeftirlitiWrinu2006var8.500.000kr. v%N!* ensamkvmtupplUsingumfrformannieftirlitsnefndarinnarhefurkostnaWurfariWvaxandi A&"+  ogverWurhannverulegahrririnu2007.Myndasthefursj;Wurvegnaeftirlitsgjalds,sem  '", ekkihefurfariWkostnaWafeftirlitinu,sem&   nemurum43.000.000kr.Xvmlj;stveraaW ( forsendurerutilaWlkkaeftirlitsgjaldiWverulega.'(    TillgurnefndarinnarerutvYttar.AnnarsvegaraWeftirlitsgjaldverWilkkaW80.000  kr.riogYaWeinungisgreitteinusinnirimiWaWviWhverjastarfsstW(Y.e.hverjafast a eignaslueWatib,semtalinyrWisrstkstarfsstW).MiWaWviWnverandistWuyrWi T, heildareftirlitsgjaldmiWaWviWYessarforsendur16.000.000kr.Nefndintlar,eftirsamrW  viWformanneftirlitsnefndar,aWkostnaWurviWeftirlitiWninniframtWverWium15.000.000  kr.ri.EWlilegteraWtlanokkuWrUmragjaldenrlegurkostnaWursegirtilum,einkum   tilaWgetastaWiWstraumafkostnaWiviWdUrarranns;knirogkaup,t.d.aWstoWendur  X skoWandamlumsemeftirlitsnefndingeturYurftaWtakasthendur.Hinsvegarleggur K #  nefndintilaWgjaldverWiekkiinnheimtsamkvmtlgumYessumfyrren2010,Y.e.fast    eignasalargreiWiekkieftirlitsgjaldvegnaranna2008og2009ogfiYannigtilbakaa.m.k.    aWmestuleytiYaWeftirlitsgjaldsemYeirhafagreittumframkostnaW.XettaeraWlitinefndar   innarrttltastaleiWintilaWleiWrttaYstWusemuppier. wO    EkkierutillgurumaWrarbreytingar19.gr. B    Um20.gr.   1  GerWarerutvrtillgurtilbreytingar20.gr.gildandilaga.AnnarsvegaraWskotiWverWi {  innsrstkukvWiumaWeftirlitsnefndfasteignasalaskulifylgjastmeWYvaWsinnts nF reglumlaganna,ogreglugerWarefsettverWur,umaWfasteignasalifeliekkiWrumaWsinna 9 YeimstrfumsemlggildinghanstekurtilrkaramlienheimilaWermeWlgunum.Hins  vegarerlagttilaWeftirlitsnefndfylgistsrstaklegameWYvaWfasteignasalarfariaW  kvWumlagaumaWgerWirgegnpeningaYvttiogfjrmgnunhryWjuverka,nr.64/2006,en r iliW1.mgr.2.gr.YeirralagaersrstaklegatekiWframaWfasteigna,fyrirtkjaogskipasalar e= falliundirlgin.SrstkstWaertilaWveravarWbergifasteignaviWskiptum,endaskipta 0 YmikilverWmtiumhendurogsstfrleitshugsunaWheppilegtsaWvarWveitaf  fasteignum,endahefurfjrfestingYeimreynstarWbr.    Um21.gr. \4 <  GerWarerutillgurumtvennskonarbreytingar21.gr.AnnarsvegaraWeftirlitsnefnd ' skuliekkiaWeinstilkynnaYaWtillgreglueffasteignasalihefursUntafsrrefsiverWahtt  semirekstrifasteignaslu,heldureinnigefaWrirsemstarfaviWfasteignasluhafagertYaW.  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