{"id":15144,"date":"2026-06-06T21:17:00","date_gmt":"2026-06-06T21:17:00","guid":{"rendered":"https:\/\/thegiftbux.com\/69720ada-be25-438f-adbc-3393e5001ea2\/"},"modified":"2026-06-06T21:17:52","modified_gmt":"2026-06-06T21:17:52","slug":"69720ada-be25-438f-adbc-3393e5001ea2","status":"publish","type":"post","link":"https:\/\/thegiftbux.com\/pt\/69720ada-be25-438f-adbc-3393e5001ea2\/","title":{"rendered":"Yfirtaka l\u00e1na hj\u00e1 HMS \u2013 Engin l\u00e1nt\u00f6kugj\u00f6ld og sveigjanleg skilyr\u00f0i"},"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;\">H\u00fasn\u00e6\u00f0is-, mannvirkja- og skipulagsstofnun (HMS)<\/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;\">Yfirtaka l\u00e1na HMS er \u00e1n l\u00e1nt\u00f6kugjalda og b\u00fd\u00f0ur upp \u00e1 sveigjanleg skilyr\u00f0i \u2013 \u00fe\u00fa f\u00e6r\u00f0 \u00e1reynslulausa ums\u00f3knarferla og samkeppnish\u00e6f kj\u00f6r.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thegiftbux.com\/pt\/redirect\/?https:\/\/island.is\/yfirtaka-lana\" 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 f\u00e6r\u00f0\/ur \u00e1 a\u00f0ra s\u00ed\u00f0u<\/small>\n<\/div>\n<p>Yfirtaka l\u00e1na hj\u00e1 HMS er hagkv\u00e6mur kostur fyrir \u00fe\u00e1 sem eru a\u00f0 kaupa fasteign me\u00f0 \u00e1hv\u00edlandi l\u00e1ni fr\u00e1 HMS. \u00dea\u00f0 sem stendur upp \u00far er a\u00f0 engin l\u00e1nt\u00f6kugj\u00f6ld fylgja yfirt\u00f6kunni og l\u00e1ni\u00f0 a\u00f0l\u00f6gu\u00f0u a\u00f0 kj\u00f6rum sem eru hagst\u00e6\u00f0 fyrir fj\u00f6lskyldur og einstaklinga.<\/p>\n<p>H\u00e6gt er a\u00f0 n\u00fdta yfirt\u00f6kum\u00f6guleikann vi\u00f0 kaup \u00e1 heimili e\u00f0a vi\u00f0 sambandsslit, \u00fear sem ums\u00e6kjandi getur teki\u00f0 yfir l\u00e1n maka e\u00f0a samb\u00fa\u00f0ara\u00f0ila. Skilyr\u00f0i eru me\u00f0al annars a\u00f0 samanlagt heildarl\u00e1n m\u00e1 ekki fara yfir 44 millj\u00f3nir kr\u00f3na, og a\u00f0 \u00edb\u00fa\u00f0in s\u00e9 ekki leig\u00f0 \u00fat. S\u00ed\u00f0an eru \u00e1kve\u00f0nar undantekningar og \u00fearf a\u00f0 standast grei\u00f0slubyr\u00f0arhlutfall til a\u00f0 f\u00e1 sam\u00feykkt.<\/p>\n<h3>Skref-fyrir-skref ums\u00f3kn<\/h3>\n<p>1. Veldu yfirt\u00f6ku l\u00e1na hj\u00e1 HMS, fylltu \u00fat rafr\u00e6na ums\u00f3kn me\u00f0 fylgig\u00f6gnum eins og kauptilbo\u00f0i, s\u00f6luyfirliti e\u00f0a sta\u00f0festingu \u00e1 eigin f\u00e9.<\/p>\n<p>2. Senda inn ums\u00f3knina og b\u00ed\u00f0a eftir sta\u00f0festingu fr\u00e1 HMS r\u00e1\u00f0gjafa.<\/p>\n<p>3. Greiddu gj\u00f6ld; yfirtaka kostar 15.000 kr\u00f3nur, grei\u00f0slumat fer eftir fj\u00f6lskyldua\u00f0st\u00e6\u00f0um.<\/p>\n<p>4. Eftir sam\u00feykki f\u00e6r\u00f0 \u00fe\u00fa l\u00e1nsg\u00f6gnin afhent og framhaldi\u00f0 er \u00feingl\u00fdsing skjala.<\/p>\n<p>5. A\u00f0 lokum tekur HMS aftur vi\u00f0 skj\u00f6lunum og gengur fr\u00e1 lokaskrefum.<\/p>\n<h3>Kostir l\u00e1na hj\u00e1 HMS<\/h3>\n<p>HMS tekur ekki l\u00e1nt\u00f6kugjald og \u00feannig sparar \u00fe\u00fa upph\u00e6\u00f0 sem annars myndi leggjast \u00e1 skuldina. Vinnslan er rafr\u00e6n og einf\u00f6ld, sem fl\u00fdtir fyrir \u00f6llu ferlinu.<\/p>\n<p>Skilyr\u00f0in eru einf\u00f6ld og sk\u00fdr, og r\u00e1\u00f0gjafar eru mj\u00f6g hj\u00e1lpsamir, sem hentar s\u00e9rstaklega vel fyrir fyrstu kaupendur h\u00fasn\u00e6\u00f0is.<\/p>\n<h3>\u00d3kostir vi\u00f0 yfirt\u00f6ku l\u00e1na<\/h3>\n<p>Samanlagt m\u00e1 l\u00e1nin ekki fara yfir 44 millj\u00f3nir, sem g\u00e6ti takmarka\u00f0 h\u00e6rri h\u00fasn\u00e6\u00f0iskaup. \u00cdb\u00fa\u00f0 m\u00e1 ekki leigja \u00fat me\u00f0an \u00e1hv\u00edlandi HMS-l\u00e1n stenst.<\/p>\n<p>L\u00e1n fr\u00e1 Byggingarsj\u00f3\u00f0i verkamanna falla ekki undir yfirt\u00f6ku, sem g\u00e6ti \u00ferengt valkosti \u00ed \u00e1kve\u00f0num tilvikum e\u00f0a sv\u00e6\u00f0um.<\/p>\n<h3>Lokani\u00f0ursta\u00f0a<\/h3>\n<p>Yfirtaka l\u00e1na hj\u00e1 HMS stendur \u00fat \u00far sem hentugur og a\u00f0gengilegur valkostur fyrir \u00fe\u00e1 sem vilja halda g\u00f3\u00f0um kj\u00f6rum \u00e1 h\u00fasn\u00e6\u00f0isl\u00e1num, og hentar s\u00e9rstaklega \u00feegar skilyr\u00f0in eru uppfyllt.<\/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;\">H\u00fasn\u00e6\u00f0is-, mannvirkja- og skipulagsstofnun (HMS)<\/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;\">Yfirtaka l\u00e1na HMS er \u00e1n l\u00e1nt\u00f6kugjalda og b\u00fd\u00f0ur upp \u00e1 sveigjanleg skilyr\u00f0i \u2013 \u00fe\u00fa f\u00e6r\u00f0 \u00e1reynslulausa ums\u00f3knarferla og samkeppnish\u00e6f kj\u00f6r.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thegiftbux.com\/pt\/redirect\/?https:\/\/island.is\/yfirtaka-lana\" 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 f\u00e6r\u00f0\/ur \u00e1 a\u00f0ra s\u00ed\u00f0u<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Yfirtaka l\u00e1na hj\u00e1 HMS b\u00fd\u00f0ur l\u00e1nt\u00f6kugjaldslausa yfirt\u00f6ku, sveigjanleg skilyr\u00f0i og hra\u00f0a vinnslu. Kj\u00f6rin fyrir einstaklinga a\u00f0 st\u00edga n\u00e6sta skref \u00ed h\u00fasn\u00e6\u00f0ism\u00e1lum s\u00ednum \u00e1 \u00cdslandi.<\/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>Yfirtaka l\u00e1na hj\u00e1 HMS \u2013 Engin l\u00e1nt\u00f6kugj\u00f6ld og sveigjanleg skilyr\u00f0i - 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\/69720ada-be25-438f-adbc-3393e5001ea2\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Yfirtaka l\u00e1na hj\u00e1 HMS \u2013 Engin l\u00e1nt\u00f6kugj\u00f6ld og sveigjanleg skilyr\u00f0i - THEGIFTBUX\" \/>\n<meta property=\"og:description\" content=\"Yfirtaka l\u00e1na hj\u00e1 HMS b\u00fd\u00f0ur l\u00e1nt\u00f6kugjaldslausa yfirt\u00f6ku, sveigjanleg skilyr\u00f0i og hra\u00f0a vinnslu. 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