Euro area: Household credit
* indicates monthly or quarterly data series
The most recent value is 6861.5 billion Euro as of December 2025, an increase compared to the previous value of 6852.69 billion Euro. Historically, the average for Euro area from September 1997 to December 2025 is 4853.44 billion Euro. The minimum of 2290.04 billion Euro was recorded in September 1997, while the maximum of 6861.5 billion Euro was reached in December 2025.
Click on the following link to see the values of: Household credit around the world.
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* indicates monthly or quarterly data series
- Measure: billion Euro
- Source: European Central Bank
| Recent values | Euro area: Household credit, billion currency units |
|---|---|
| 2025 Dec | 6861.5 |
| 2025 Nov | 6852.69 |
| 2025 Oct | 6825.52 |
| 2025 Sep | 6816.26 |
| 2025 Aug | 6792.78 |
| 2025 Jul | 6785.6 |
| 2025 Jun | 6772.87 |
| 2025 May | 6741 |
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Definition: Household credit includes credit extended by commercial banks and other deposit-taking institutions (excluding central banks) to households. Included are all credit institutions: domestic and foreign owned as well as private and public ones.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| USD exchange rate | 0.8695 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 16,073.52 | 12/2025 | billion |
| Consumer Price Index (CPI) | 103.0200 | 6/2026 | index points |
| Inflation, monthly | -0.11 | 6/2026 | percent |
| Inflation, annual | 2.75 | 6/2026 | percent |
| Alcohol and tobacco inflation | 3.40 | Q2/2026 | percent |
| Transport services inflation | 6.80 | Q2/2026 | percent |
| Services inflation | 3.00 | Q2/2026 | percent |
| Housing inflation | 2.70 | Q2/2026 | percent |
| Private sector credit | 12,139.89 | 12/2025 | billion |
| Business credit | 5,278.39 | 12/2025 | billion |
| Household credit | 6,861.50 | 12/2025 | billion |
| Mortgage credit | 5,411.71 | 12/2025 | billion |
| Consumer credit | 1,449.79 | 12/2025 | billion |
| Deposit interest rate | 1.77 | 12/2025 | percent |
| Business credit interest rate | 3.32 | 12/2025 | percent |
| Mortgage credit interest rate | 2.42 | 12/2025 | percent |
| Policy rate | 2.25 | 6/2026 | percent |