Germany: Debt service ratios for private non-financial sector
* indicates monthly or quarterly data series
The most recent value is 12.4 percent as of Q2 2025, an increase compared to the previous value of 12.2 percent. Historically, the average for Germany from Q1 1999 to Q2 2025 is 13.3 percent. The minimum of 11.9 percent was recorded in Q4 2018, while the maximum of 15.7 percent was reached in Q4 2000.
Click on the following link to see the values of: Debt service ratios for private non-financial sector around the world.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: Bank for International Settlements (BIS)
| Recent values | Germany: Debt service ratios for private non-financial sector |
|---|---|
| 2025 Q2 | 12.4 |
| 2025 Q1 | 12.2 |
| 2024 Q4 | 12.3 |
| 2024 Q3 | 12.2 |
| 2024 Q2 | 12.2 |
| 2024 Q1 | 12.2 |
| 2023 Q4 | 12.2 |
| 2023 Q3 | 12.3 |
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Definition: Debt service ratio - comprising interest payments and debt amortizations as a proportion of the income of the private non-financial sector. The DSR is a measure of the financial constraints imposed by indebtedness.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.3 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.8522 | 1/2026 | Local Currency Units per USD |
| Money supply (broad money) | 3,934.79 | 9/2025 | billion |
| Consumer Price Index (CPI) | 132.8000 | 12/2025 | index points |
| Inflation, monthly | 0.15 | 12/2025 | percent |
| Inflation, annual | 2.00 | 12/2025 | percent |
| Private sector credit | 3,262.69 | 12/2025 | billion |
| Business credit | 1,177.22 | 12/2025 | billion |
| Household credit | 2,085.47 | 12/2025 | billion |
| Mortgage credit | 1,634.54 | 12/2025 | billion |
| Consumer credit | 450.93 | 12/2025 | billion |
| Deposit interest rate | 1.79 | 12/2025 | percent |
| Business credit interest rate | 3.66 | 12/2025 | percent |
| Mortgage credit interest rate | 3.71 | 12/2025 | percent |
| Household debt to GDP | 49.20 | 6/2025 | percent |
| Debt service ratios for private non-financial sector | 12.40 | Q2/2025 | percent |