Not quite true. The ratio fluctuates with the market conditions. Figure https://sedlabanki.is/library/?itemid=d2527537-11bc-4aca-9443-6a10e786c8e3&action=width%

Not quite true. The ratio fluctuates with the market conditions. Figure https://sedlabanki.is/library/?itemid=d2527537-11bc-4aca-9443-6a10e786c8e3&action=width%3A1024 https://sedlabanki.is/library/?itemid=d2527537-11bc-4aca-944... Verðtryggð loans are popular when economy is hard, people can enter the real estate market. Once things go in the opposite direction people change to Óverðtryggð lán.