{"id":10189,"date":"2026-04-12T15:04:00","date_gmt":"2026-04-12T15:04:00","guid":{"rendered":"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/"},"modified":"2026-04-12T15:04:58","modified_gmt":"2026-04-12T15:04:58","slug":"c45700ca-6451-400d-b4ac-15a49501fbe2","status":"publish","type":"post","link":"https:\/\/thegiftbux.com\/pt\/c45700ca-6451-400d-b4ac-15a49501fbe2\/","title":{"rendered":"H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi: Fastir vextir, h\u00e1marksupph\u00e6\u00f0 og einf\u00f6ld ums\u00f3kn"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">M\u00e6lt me\u00f0 fyrir \u00feig<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Gildi l\u00edfeyrissj\u00f3\u00f0ur<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">H\u00fasn\u00e6\u00f0isl\u00e1n me\u00f0 f\u00f6stum ver\u00f0trygg\u00f0um v\u00f6xtum fr\u00e1 4,3%. H\u00e1marksupph\u00e6\u00f0 75 millj\u00f3nir kr. Sveigjanlegur l\u00e1nst\u00edmi, engin uppgrei\u00f0slugj\u00f6ld.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thegiftbux.com\/pt\/redirect\/?https:\/\/www.gildi.is\/lan\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">S\u00e6kja um n\u00fana<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">\u00de\u00fa ver\u00f0ur beint \u00e1 a\u00f0ra s\u00ed\u00f0u<\/small>\n<\/div>\n<p>H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi l\u00edfeyrissj\u00f3\u00f0i eru \u00e1hugaver\u00f0ur valkostur fyrir \u00fe\u00e1 sem leggja \u00e1herslu \u00e1 st\u00f6\u00f0ugleika og sk\u00fdra skilm\u00e1la. L\u00e1nin eru eing\u00f6ngu me\u00f0 f\u00f6stum ver\u00f0trygg\u00f0um v\u00f6xtum, 4,3% eins og er, me\u00f0 h\u00e1marksupph\u00e6\u00f0 allt a\u00f0 75 millj\u00f3nir kr\u00f3na. Ums\u00e6kjendur geta vali\u00f0 l\u00e1nst\u00edma \u00e1 bilinu 5 til 40 \u00e1r, eftir \u00fe\u00f6rfum og grei\u00f0slugetu. Til a\u00f0 f\u00e1 l\u00e1n \u00fearf a\u00f0 leggja fram ve\u00f0 \u00ed \u00edslenskri fasteign, og l\u00e1n eru a\u00f0gengileg \u00f6llum sem greitt hafa i\u00f0gj\u00f6ld til sj\u00f3\u00f0sins. L\u00e1gmarks og h\u00e1marks grei\u00f0slubyr\u00f0i mi\u00f0ast vi\u00f0 reglur Se\u00f0labankans, sem kve\u00f0a \u00e1 um h\u00e1mark grei\u00f0slubyr\u00f0ar sem hlutfall af r\u00e1\u00f0st\u00f6funartekjum.<\/p>\n<h3>Ums\u00f3knarferli\u00f0 \u2013 Skref fyrir skref<\/h3>\n<ol>\n<li>Sta\u00f0festu a\u00f0 \u00fe\u00fa s\u00e9rt sj\u00f3\u00f0f\u00e9lagi og hafir greitt i\u00f0gj\u00f6ld til Gildi.<\/li>\n<li>Settu inn ums\u00f3kn um h\u00fasn\u00e6\u00f0isl\u00e1n me\u00f0 rafr\u00e6num skilr\u00edkjum \u00e1 sj\u00f3\u00f0f\u00e9lagavefnum.<\/li>\n<li>L\u00e1ttu fylgja nau\u00f0synleg g\u00f6gn, s.s. grei\u00f0slumat og uppl\u00fdsingar um ve\u00f0andlag.<\/li>\n<li>B\u00edddu eftir sam\u00feykki og undirrita\u00f0u skuldabr\u00e9f me\u00f0 vottum.<\/li>\n<li>L\u00e1ttu \u00feingl\u00fdsa og sendu Gildi afrit fyrir \u00fatgrei\u00f0slu l\u00e1ns.<\/li>\n<\/ol>\n<h3>Kostir Gildi h\u00fasn\u00e6\u00f0isl\u00e1ns<\/h3>\n<p>Nemur l\u00e1nshlutfalli\u00f0 allt a\u00f0 70% af marka\u00f0svir\u00f0i eignar. H\u00e1marksupph\u00e6\u00f0in 75 millj\u00f3nir kr\u00f3na hentar flestum vi\u00f0 kaup e\u00f0a endurfj\u00e1rm\u00f6gnun.<\/p>\n<p>Fastir vextir tryggja st\u00f6\u00f0uga grei\u00f0slu yfir l\u00e1nst\u00edmann. Engin uppgrei\u00f0slugj\u00f6ld gefa l\u00e1nt\u00f6kum meiri sveigjanleika vi\u00f0 endurfj\u00e1rm\u00f6gnun e\u00f0a fjarhendingu.<\/p>\n<h3>Gallar sem \u00fearf a\u00f0 hafa \u00ed huga<\/h3>\n<p>L\u00e1nin eru a\u00f0eins \u00ed bo\u00f0i fyrir sj\u00f3\u00f0f\u00e9laga sem hafa greitt til Gildi \u2013 \u00feetta \u00fatilokar \u00fe\u00e1 sem ekki eru sj\u00f3\u00f0f\u00e9lagar.<\/p>\n<p>Eing\u00f6ngu ver\u00f0trygg\u00f0 l\u00e1n eru \u00ed bo\u00f0i n\u00fana, sem \u00fe\u00fd\u00f0ir a\u00f0 h\u00f6fu\u00f0st\u00f3ll getur vaxi\u00f0 ef ver\u00f0b\u00f3lga vex, \u00fe\u00f3 vextir haldist \u00f3breyttir.<\/p>\n<h3>Loka\u00fe\u00f3mat: Er \u00feetta r\u00e9tt fyrir \u00feig?<\/h3>\n<p>Gildi h\u00fasn\u00e6\u00f0isl\u00e1n henta \u00feeim sem vilja framkv\u00e6ma fasteignakaup \u00e1n \u00e1h\u00e6ttu af breytilegum v\u00f6xtum. A\u00f0gangurskilyr\u00f0i eru sk\u00fdr og \u00fej\u00f3nustan \u00fe\u00e6gileg.<\/p>\n<p>Taktu tillit til \u00feess a\u00f0 eing\u00f6ngu ver\u00f0trygg\u00f0 f\u00f6st l\u00e1n eru \u00ed bo\u00f0i. Ef \u00fea\u00f0 hentar \u00fe\u00ednum \u00fe\u00f6rfum g\u00e6ti \u00feetta veri\u00f0 eitt \u00f6ruggasta l\u00e1nsafur\u00f0 \u00e1 marka\u00f0num.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">M\u00e6lt me\u00f0 fyrir \u00feig<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Gildi l\u00edfeyrissj\u00f3\u00f0ur<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">H\u00fasn\u00e6\u00f0isl\u00e1n me\u00f0 f\u00f6stum ver\u00f0trygg\u00f0um v\u00f6xtum fr\u00e1 4,3%. H\u00e1marksupph\u00e6\u00f0 75 millj\u00f3nir kr. Sveigjanlegur l\u00e1nst\u00edmi, engin uppgrei\u00f0slugj\u00f6ld.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thegiftbux.com\/pt\/redirect\/?https:\/\/www.gildi.is\/lan\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">S\u00e6kja um n\u00fana<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">\u00de\u00fa ver\u00f0ur beint \u00e1 a\u00f0ra s\u00ed\u00f0u<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>H\u00fasn\u00e6\u00f0isl\u00e1n hj\u00e1 Gildi eru me\u00f0 f\u00f6stum v\u00f6xtum fr\u00e1 4,3%. H\u00e1m. 75 millj\u00f3nir kr\u00f3na, sveigjanlegt l\u00e1nst\u00edmabil og engin uppgrei\u00f0slugj\u00f6ld fyrir sj\u00f3\u00f0f\u00e9laga.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[10],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi: Fastir vextir, h\u00e1marksupph\u00e6\u00f0 og einf\u00f6ld ums\u00f3kn - THEGIFTBUX<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thegiftbux.com\/pt\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi: Fastir vextir, h\u00e1marksupph\u00e6\u00f0 og einf\u00f6ld ums\u00f3kn - THEGIFTBUX\" \/>\n<meta property=\"og:description\" content=\"H\u00fasn\u00e6\u00f0isl\u00e1n hj\u00e1 Gildi eru me\u00f0 f\u00f6stum v\u00f6xtum fr\u00e1 4,3%. H\u00e1m. 75 millj\u00f3nir kr\u00f3na, sveigjanlegt l\u00e1nst\u00edmabil og engin uppgrei\u00f0slugj\u00f6ld fyrir sj\u00f3\u00f0f\u00e9laga.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thegiftbux.com\/pt\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\" \/>\n<meta property=\"og:site_name\" content=\"THEGIFTBUX\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-12T15:04:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-12T15:04:58+00:00\" \/>\n<meta name=\"author\" content=\"Bruno Gianni\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bruno Gianni\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\"},\"author\":{\"name\":\"Bruno Gianni\",\"@id\":\"https:\/\/thegiftbux.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\"},\"headline\":\"H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi: Fastir vextir, h\u00e1marksupph\u00e6\u00f0 og einf\u00f6ld ums\u00f3kn\",\"datePublished\":\"2026-04-12T15:04:00+00:00\",\"dateModified\":\"2026-04-12T15:04:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\"},\"wordCount\":496,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/thegiftbux.com\/#organization\"},\"articleSection\":[\"hidden\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\",\"url\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\",\"name\":\"H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi: Fastir vextir, h\u00e1marksupph\u00e6\u00f0 og einf\u00f6ld ums\u00f3kn - THEGIFTBUX\",\"isPartOf\":{\"@id\":\"https:\/\/thegiftbux.com\/#website\"},\"datePublished\":\"2026-04-12T15:04:00+00:00\",\"dateModified\":\"2026-04-12T15:04:58+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/thegiftbux.com\/c45700ca-6451-400d-b4ac-15a49501fbe2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/thegiftbux.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"H\u00fasn\u00e6\u00f0isl\u00e1n fr\u00e1 Gildi: Fastir vextir, h\u00e1marksupph\u00e6\u00f0 og einf\u00f6ld ums\u00f3kn\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/thegiftbux.com\/#website\",\"url\":\"https:\/\/thegiftbux.com\/\",\"name\":\"THEGIFTBUX\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/thegiftbux.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/thegiftbux.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/thegiftbux.com\/#organization\",\"name\":\"THEGIFTBUX\",\"url\":\"https:\/\/thegiftbux.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/thegiftbux.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/thegiftbux.com\/wp-content\/uploads\/sites\/534\/2025\/09\/cropped-cropped-1.png\",\"contentUrl\":\"https:\/\/thegiftbux.com\/wp-content\/uploads\/sites\/534\/2025\/09\/cropped-cropped-1.png\",\"width\":447,\"height\":426,\"caption\":\"THEGIFTBUX\"},\"image\":{\"@id\":\"https:\/\/thegiftbux.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/thegiftbux.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4\",\"name\":\"Bruno Gianni\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/thegiftbux.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g\",\"caption\":\"Bruno Gianni\"},\"description\":\"Bruno writes the way he lives, with curiosity, care, and respect for people. 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