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68 results for "Loan"
Excess Payments and Prepayments
Prepayment fee from 15 June 2026 From 15 June 2026, new mortgage loans will carry a prepayment fee for the first 5 years of the loan term. The prepayment fee will never exceed 0.2% of the amount of the excess payment for each full year remaini...
/en/loans/further-information/excess-payments-and-prepayments/
Overview
LSR is both the oldest pension fund in Iceland and the largest in terms of assets. The fund has guaranteed its members and their families extensive rights for over 100 years.The fund's policy statement states ...
/en/about-lsr/overview/
Rules and regulations
According to the Act, the lender must provide the consumer with various information before taking out a loan. This information should be provided on a standard form. In addition to the standard form, the lender must provide consumers with information o...
/en/loans/rules-and-regulations/
Investments - Overview
LSR is a long-term investor with the aim of guaranteeing fund members a good long-term return. At the same time, efforts are made to limit risk as much as possible with a varied and well-diversified portfolio.
/en/investments/overview/
Division A - Overview
In LSR Division A, you will be entitled to a pension for the rest of your life, a disability pension if you become disabled, and your spouse and children can be entitled to a spouse's and children's pension in the event of death.
/en/pensions/division-a/overview/
Private Pension – Securities Plan
The Securities Plan is one of LSR’s two Private Pension Plans. The weighting of equities is higher than that of bonds, which means returns may fluctuate to some extent; however, this also comes with expectations of higher long-term returns. The Securit...
/en/investments/overview/private-pension-securities-plan/
Sustainability risk
Sustainability risk refers to those risk factors that may have negative effects on operations — that is, environmental, social, and governance factors that may adversely impact the operations, financial position, and long-term viability of a company, i...
/en/investments/sustainability/sustainability-risk/
If your work capacity is reduced
If your work capacity is reduced, you may be entitled to disability pension payments as a member of LSR. The application process can take up to four months. Below is a summary of the key points regarding disability pension benefits and the application pro...
/en/life-events/if-your-work-capacity-is-reduced/
Pension calculator
Below, you can enter your information into the calculator and estimate your pension payments. Another option is to log into My Pages, where you can access the calculator with your information pre-filled.
/en/pensions/division-a/pension-calculator/
Upon death
Upon the death of an LSR fund member, the spouse and children may be entitled to spousal and child pension payments. If the fund member had saved into private pension or specified private pension at LSR, that balance is inherited to legal heirs according ...
/en/life-events/upon-death/