Germany: Household debt to GDP
* indicates monthly or quarterly data series
The most recent value is 48.9 percent as of December 2025, a decline compared to the previous value of 49.1 percent. Historically, the average for Germany from December 1970 to December 2025 is 53.77 percent. The minimum of 34.7 percent was recorded in March 1971, while the maximum of 70.5 percent was reached in December 2000.
Click on the following link to see the values of: Household debt to GDP around the world.
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* indicates monthly or quarterly data series
- Measure: percent
- Source: The Bank for International Settlements
| Recent values | Germany: Household debt to GDP, in percent |
|---|---|
| 2025 Dec | 48.9 |
| 2025 Sep | 49.1 |
| 2025 Jun | 49.2 |
| 2025 Mar | 49.3 |
| 2024 Dec | 49.6 |
| 2024 Sep | 49.8 |
| 2024 Jun | 49.9 |
| 2024 Mar | 50.1 |
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Definition: The total outstanding debt of households to banks and other financial institutions as percent of GDP.
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Inflation | 2.2 | 2025 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.8754 | 7/2026 | Local Currency Units per USD |
| Money supply (broad money) | 4,072.24 | 6/2026 | billion |
| Consumer Price Index (CPI) | 141.3633 | 6/2026 | index points |
| Inflation, monthly | 0.86 | 7/2026 | percent |
| Inflation, annual | 2.84 | 7/2026 | percent |
| Private sector credit | 3,290.04 | 6/2026 | billion |
| Business credit | 1,189.54 | 6/2026 | billion |
| Household credit | 2,100.51 | 6/2026 | billion |
| Mortgage credit | 1,649.57 | 6/2026 | billion |
| Consumer credit | 450.94 | 6/2026 | billion |
| Deposit interest rate | 2.16 | 6/2026 | percent |
| Business credit interest rate | 3.81 | 6/2026 | percent |
| Mortgage credit interest rate | 3.95 | 6/2026 | percent |
| Policy rate | 3.00 | 12/1998 | percent |
| Household debt to GDP | 48.90 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 12.20 | Q4/2025 | percent |