# Jarjarida gaarka ah iyo namsmannen: imisa oo lacag ayaa lagu ganacsiga gaarka ah karaan 2026?

Jarjarida gaarka ah waxay macnaheedu tahay in namsmannen lacag lagu jaro xulin ama caymiska. Sida nolosha loo tirada qaado, imisa oo lacag ayaa lagu ganacsiga gaarka ah karaan 2026, iyo sida aad ku dalac doonto.

Canonical: https://samfunnprep.no/so/articles/utleggstrekk-namsmannen-norge
Language: so
Publisher: SamfunnPrep
Author: Hlib Suslov
Published: 2026-07-26T12:55:17.527+00:00
Modified: 2026-11-01T19:03:51.389082+00:00
AI use policy: https://samfunnprep.no/ai-policy.txt

## Key takeaways

- Waxaad had iyo jeer haysataa nolosha iyo guriga Namsmannen wuxuu ganacsiga gaarka ah karaa kaliya mid aad haysataa marka aad bixisay nolosha sats iyo kharciyada guriga lama huraan, jf. dekningsloven § 2-7.
- 2026 satsada ayaa tilmaamida laga bilaabo 1. Luulja Nolosha waa 11 388 kr oo midkale ah iyo 9 644 kr oo guud ama jidhkhac oo uur kasta, oo lagu raaro alloowda caruurta oo salaysan da'dood.
- Dalacan ayaa oo uma joogi ganacsiga Xigasho-xigaska waa shan todobaad, laakiin ganacsigan waxaa uu socon karaa ilaa hadii namsfogden ama mahkamaddu go'aan soo saarayeen.

Jarjarida gaarka ah waxay macnaheedu tahay in namsmannen lacag lagu jaro xulin iyo caymiska oo direct ah si aad bixiso gayr aadan qabmin. Waxaad had iyo jeer haysataa imisa oo lacag uu kuu bixin karaa nolosha aasaasiga ah iyo kharciyada guriga oo lama huraan. Halkan waxaad heli doontaa imisa oo lacag ayaa lagu ganacsiga gaarka ah karaan 2026, sida aad ku dalac doonto, iyo sida aad joojin karaa ganacsiga.

## Maxay tahay jarjarida gaarka ah?

Jarjarida gaarka ah waa sum xaddidan ah oo lagu jaro xulin iyo caymiska oo bil kasta lagu gaashimiyo si looga bixiyo gayr. Ganacsigani waxaa loo yaqaannaa isna jarjarida xulinkan ama namsmannen jaarjar. Shaqaalahaaga ama NAV (hay'adda aasaasiga ah ee shaqo iyo kalyeeska) waxay helaan amr qoraal ah oo **jarjarida qaybinta** lagu yaqaannaa oo ay raaci dhaafaan – kama heli karaan inay joogaan. Jarjarida gaarka ah ayaa badiba ahaan markhogyada ugu dambeeya markii bilaan lagu bixin waayo, oo ka dib dagaal-dibinta iyo [inkasso](https://samfunnprep.no/so/articles/inkasso-norge).

## Maxaa yahu namsmannen – iyo maxay qabtaa SI?

Namsmannen waa hay'ad dawladeed oo isla markaana way karaan inay lacag ku diraado xoog. Aksariyad gobolada waxaa noqda **namsfogden**, oo ah shaqaale dawladeed oo ku tilmaamay poliska. Namsmannen waa mid aan garoonsan oo ah geedi socod dhexe dhexe adiga iyo mid aad lacag bixisan.

Waxii dagaalaami dawladu ku diraado – tusaale ahaan, ciqaal, kharciyada iyo wax badan oo lagu dalaggalay NAV – waxaa badiba ahaan **Statens innkrevingssentral (SI)** ah kuwa dhallaalinta. SI waa mid loogu yaqaannaa namsman gaarka ah oo ay isaga iyagoo kale yeelan karaan ganacsiga qajida.

## Sida looga qaybinta ganacsiga qaybinta

Ka hor inta ay jirto ganacsigan, ayuu u baahan yahay mid aad bixisan **xoog-aasaasiga** – tusaale ahaan, ganacsiga inkasso oo ay ka soo dhacday forumka xalintan, ama xukun. Marka dabadeed waxaa dhacda:

- Mid aad bixisan ayaa weyddiisaa namsmannen **ganacsiga qajida**.
- Namsmannen waxaa kaa ogeysiinaya oo waxaa ay tiracodsiyaan dhaqaalahaga: dakhliga, kharciyada guriga, galyada, iyo kharciyada oo xaddidan.
- Waxa inaad **caddaayin** karta xulin dhakhli, kiray ama hay'ad, tirada caruurta iyo da'doodaa, iyo kharciyada kale oo gaarka ah, tusaale ahaan caafimaadka. Waxaan deciday imisa oo aad haysataa.
- Namsmannen waxaa uu gooyaa **jarjarida gaarka ah** (jaro xulinkan) iyo/ama **uu jarjar yahay** (pledging ee waxyaabaha leh).

Talimaaha wanaagsan: Waa lagama maarmaan inaad meel ku soo jeeddo oo aad kabeesha warqada. Hadii aad si fiican u caddeeyso kharciyada qaarka ah, waxaad baysataa kuwa badan.

## Imisa oo ay namsmannen ganacsiga gaarka ah karaan?

Namsmannen wuxuu ganacsiga gaarka ah karaa kaliya mid aad haysataa marka aad bixisay nolosha lama huraan iyo kharciyada guriga. Nidaamkan waxaa jira dekningsloven § 2-7. Tirada xisaabin ayaa sida:

**Dakhliga dhakhli − kharciyada guriga lama huraan − nolosha sats − adeeg la ogolaada = jarjarida suurtagal ah**

Kharciyada guriga sida kiray, hay'ad, kaashanada guriga iyo kanada gobollada ayaa looga jaro **inta badanba** nolosha sats – wayna kuma jira satsan. Waa sharax lagu fahmi karo.

Nolosha satsada bil kasta, **tilmaamida 1. Luulja 2026:**

| Xaalka | Satska bil kasta |
|---|---|
| Midkale | 11 388 kr |
| Guud ama jidhkhac | 9 644 kr |
| Midkale ee kuwa kale | 19 288 kr |

Waxaa kaloo jira **alloowda caruurta** per caruur: 3 645 kr (ka yar 6 jir), 4 835 kr (6–10 jir), 6 102 kr (11–14 jir) iyo 7 020 kr (15 jir iyo ka weyn). Satsada waa bilowga iyo waxaa lagu rogo kari karaan sare ama hoose iyada oo loo eegayo xaasida. Hadii aad caruurta leedahay oo aad la yeedhaad, laakiin ayaan kala dhalay, waxaa aad heli karaa **alloowda isgaarsiinta** oo kale.

## Jarjarida gaarka ah ama jarjarida pledging – maxaa kala duwanyahay?

Waxaa jira laba qaybood oo jarjarin:

- **Jarjarida gaarka ah** waa jaro yar oo ah xulinkaaga, bil kasta.
- **Jarjarida pledging** waa **pledging** ee waxyaabaha – tusaale ahaan guriga, baabuur ama kutiyadda bangi. Pledging-ka ayaa qoto dheer la qaadi karaan, laakiin waxyaabaha lixii lixii la iibsan karaan si looga bixiyo gayr.

## Yay diroonta midig?

Hadii aad gayr badan ku jirtay, nidaamka ayaa go'aaminaya habka ay bixi lahaayeen (dekningsloven § 2-8). Gayrka ayaa lagula tabcaato sida:

- alloowda caruurta,
- bixinta dammaanad ah oo ah garyoon sharciga ah,
- ciqaal,
- xerka iyo cansh,
- gayr kale, tusaale ahaan gayr oo caadi ah oo caymis ah.

Taas macnaheedu ay tahay in alloowda caruurta lagu jarjar karaa hore intii ay noqoto tusaale ahaan lannada caymis. Hadii aad dakhli keliya leedahay, waxaa yeelan karaa aanaan jirin wax uu dhow gayrka ay ku yaalaan hoose ee liista.

## Waxaa aad helaysaa calaamad bixinta

Marka ay lagu yeesho ganacsiga qajida, waxaa lagaga gaari karaa **Jarjarida Rejistriiska**. Taas waxaa kaa keentaa oo ay **calaamad bixinta**. Markaa banki, guriga qof ay kirad siinayaan iyo kampaniyada kaashanada ayaa ogaataa in aad leedahay dhibaatada bixinta, oo waxaa aad helkaar karaan ayaan ka dib ama dhibaato leh in aad kirado guriga. Akhri wax badan oo ku saabsan [maxay macnaheedu tahay calaamad bixinta](https://samfunnprep.no/so/articles/betalingsanmerkning-konsekvenser).

Calaamad bixinta waxaa lagu tirtiri karaa oo ay si fudud u maqan **afar sannadood oo dib looga dhaafay diiwaan** – ama hadii gayrka lagu bixiyo oo dhan.

## Ma dalacan karaa ama joogin karaa ganacsiga?

Hah, waxaa aad dalacan kartaa. Xigasho-xigaska qoraal oo namsmannen waxaa ay **shan todobaad** oo ay ka dib loo sheegay (tvangsfullbyrdelsesloven § 5-16). Waxaa aad dalacan kartaa ganacsiga gaarka ah ilaa hadii ay joogin ganacsiga.

**Nidaam muhiim ah:** Dalacan-dalacan ayaa oo uma joogi ganacsiga oo habaan. Ganacsigani waxaa uu sii socon karaa halka dalacan-dalacan la fasasho, hadii aanay namsfogden ama mahkamaddu go'aan soo saarayeen.

Ganacsigan waxaa uu socon karaa ilaa **laba sano** oo xaal kasta – ilaa shan sanno oo xerka, iyo la-hadal maaha oo caruurta alloowda. Namsmannen waxaa uu tirada jaro karaa hadii dhaqaalahaga ay si weyn u badbaadaan, laakiin kaliya hadii aad sheegto (§ 7-23).

## Sida aad ka gaadsataa jarjarida gaarka ah – iyo meesha aad heli doontaa caawi

Waxaa aad joogin ama ka gaadsataa jarjarida gaarka ah habka kala duwan:

- **Bixiya gayrka** hadii aad kartid – markaa waxaa dhaaf gaarsiga, iyo calaamad bixinta waxaa ay lagu tirtiri karaa.
- **Leexo namsmannen oo ay ay dib**, oo caddeeys kharciyada dhabta ah ee qaarka.
- Eeg **[gjeldsordning](https://samfunnprep.no/so/articles/gjeldsordning-norge)** hadii gayrku ay noqotay mid aan yeelan karaan.
- Hadii aad ay yar tahay in aad ka dib karto, waxaa **[caawi dhaqaale oo gobolka](https://samfunnprep.no/so/articles/okonomisk-sosialhjelp-nav)** ay noqoto lambaarkan.

Waxaa aad heli kartaa wacad dhakhli oo qof ku ogolaada NAV. Ku SamfunnPrep waxaa aad heli doontaa habka badan oo ku saabsan dhaqaalka iyo xuquuqda Norweega – adoo mala qaato iska duuc [aaladahada naga](https://samfunnprep.no/so/verktoy) si aad u helato fahmaan ku saabsan xaalkaaga gaarka ah.

Nidaamka lacag, gayr iyo adeegada dawlada waxaa ay kaloo kaab ka ciyaartaa buugga sampuulka ee shaarka xeerka. Maxaa aad rabtaa inaad ogaato Norweega si fiican? Sida loo dhigo SamfunnPrep.

## FAQ

### Imisa oo ay namsmannen xulinkaaga ganacsiga gaarka ah karaan?

Namsmannen wuxuu ganacsiga gaarka ah karaa kaliya mid aad haysataa marka aad bixisay nolosha lama huraan iyo kharciyada guriga qaarka, jf. dekningsloven § 2-7. Satsada nolosha waxaa lagu go'aaminay amr.

### Maxay tahay nolosha sats 2026?

Laga bilaabo 1. Luulja 2026 satska waa 11 388 kr oo uur kasta oo midkale ah iyo 9 644 kr oo guud ama jidhkhac, oo lagu raaro alloowda caruurta 3 645 ka 7 020 kr per caruur oo ay ku salaysan da'dood. Kharciyada guriga ayaa ay ku duuli karaan.

### Maxay jarjarida gaarka ah joogin?

Maya. Dalacan-dalacan ayaa oo uma joogi ganacsiga oo habaan. Ganacsigani waxaa uu socon karaa halka dalacan-dalacan la fasasho, hadii aanay namsfogden ama mahkamaddu go'aan soo saarayeen.

### Maxaa kala duwanyahay jarjarida gaarka ah iyo jarjarida pledging?

Jarjarida gaarka ah waa jaro yar oo ah xulinkaaga oo bil kasta. Jarjarida pledging waa pledging ee waxyaabaha, tusaale ahaan guriga ama baabuur, kuwan lixii lixii ay la iibsan karaan si looga bixiyo gayr.

### Imisa oo ay socon kartaa ganacsiga?

Ganacsiga ayaa socon karaa ilaa laba sano oo xaal kasta. Xerka gayrka ay socon karaan ilaa shan sanno, iyo alloowda caruurta wax hadal maaha.

## Sources

- [Forskrift om livsoppholdssatser ved utleggstrekk og gjeldsordning](https://lovdata.no/dokument/SF/forskrift/2014-06-13-724)
- [Endring i forskrift om livsoppholdssatser (i kraft 1. juli 2026)](https://lovdata.no/dokument/LTI/forskrift/2026-06-24-1259)
- [Livsoppholdssatser](https://www.regjeringen.no/no/tema/forbruker/gjeldsordning/livsoppholdssatser/id691824/)
- [Retningslinje for utleggstrekk](https://www.skatteetaten.no/rettskilder/type/retningslinjer/retningslinje-for-utleggstrekk/)
- [Lov om tvangsfullbyrdelse §§ 5-16, 7-21, 7-23](https://lovdata.no/dokument/NL/lov/1992-06-26-86)
- [Lov om fordringshavernes dekningsrett §§ 2-7, 2-8](https://lovdata.no/dokument/NL/lov/1984-06-08-59)
- [Namsmann og forliksråd – Utleggsforretning](https://www.politiet.no/tjenester/namsmann-og-forliksrad/utleggsforretning/)

Citation: Hlib Suslov, "Jarjarida gaarka ah iyo namsmannen: imisa oo lacag ayaa lagu ganacsiga gaarka ah karaan 2026?", SamfunnPrep, 2026-07-26T12:55:17.527+00:00, https://samfunnprep.no/so/articles/utleggstrekk-namsmannen-norge