Japan: Debt service ratios for private non-financial sector
* indicates monthly or quarterly data series
The most recent value is 15.5 percent as of Q4 2025, an increase compared to the previous value of 15.3 percent. Historically, the average for Japan from Q1 1999 to Q4 2025 is 15.28 percent. The minimum of 13.1 percent was recorded in Q1 2016, while the maximum of 20 percent was reached in Q1 1999.
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 | Japan: Debt service ratios for private non-financial sector |
|---|---|
| 2025 Q4 | 15.5 |
| 2025 Q3 | 15.3 |
| 2025 Q2 | 15.1 |
| 2025 Q1 | 15.1 |
| 2024 Q4 | 15.2 |
| 2024 Q3 | 14.9 |
| 2024 Q2 | 15 |
| 2024 Q1 | 15.1 |
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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 | 2.7 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 160.8539 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 1,296,442.60 | 6/2026 | billion |
| Consumer Price Index (CPI) | 119.1774 | 4/2026 | index points |
| Inflation, monthly | 0.27 | 4/2026 | percent |
| Inflation, annual | 1.35 | 4/2026 | percent |
| Food and beverages inflation | 4.04 | 4/2026 | percent |
| Alcohol and tobacco inflation | 1.15 | 4/2026 | percent |
| Energy price inflation | -3.82 | 4/2026 | percent |
| Transport services inflation | -1.31 | 4/2026 | percent |
| Services inflation | 0.97 | 4/2026 | percent |
| Information and communication inflation | 4.26 | 4/2026 | percent |
| Restaurant and accommodation services inflation | 1.79 | 4/2026 | percent |
| Health care inflation | 0.10 | 4/2026 | percent |
| Education services inflation | -5.63 | 4/2026 | percent |
| Clothing and footwear inflation | 1.52 | 4/2026 | percent |
| Housing inflation | 0.60 | 4/2026 | percent |
| Private sector credit | 676,558.30 | 7/2025 | billion |
| Business credit | 486,747.80 | 7/2025 | billion |
| Household credit | 189,810.50 | 7/2025 | billion |
| Mortgage credit | 171,799.80 | Q2/2025 | billion |
| Consumer credit | 17,818.90 | Q2/2025 | billion |
| Deposit interest rate | 0.55 | 12/2025 | percent |
| Policy rate | 1.00 | 6/2026 | percent |
| Household debt to GDP | 61.10 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 15.50 | Q4/2025 | percent |
| Bank deposits, total | 992,753.80 | 5/2026 | billion local currency units |