Spain: Household debt to GDP
* indicates monthly or quarterly data series
The most recent value is 42.8 percent as of December 2025, a decline compared to the previous value of 43 percent. Historically, the average for Spain from December 1980 to December 2025 is 49.56 percent. The minimum of 22.9 percent was recorded in March 1985, while the maximum of 85.7 percent was reached in June 2010.
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 | Spain: Household debt to GDP, in percent |
|---|---|
| 2025 Dec | 42.8 |
| 2025 Sep | 43 |
| 2025 Jun | 43.9 |
| 2025 Mar | 43.3 |
| 2024 Dec | 43.7 |
| 2024 Sep | 44 |
| 2024 Jun | 45.3 |
| 2024 Mar | 45.2 |
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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 | 2.8 | 2024 | percent |
| Exchange rate regimes | 7 | 2023 | index points |
| USD exchange rate | 0.8695 | 6/2026 | Local Currency Units per USD |
| Money supply (broad money) | 1,674.09 | 12/2025 | billion |
| Consumer Price Index (CPI) | 104.0600 | 6/2026 | index points |
| Inflation, monthly | 0.59 | 6/2026 | percent |
| Inflation, annual | 3.55 | 6/2026 | percent |
| Food and beverages inflation | 2.63 | 4/2026 | percent |
| Alcohol and tobacco inflation | 4.58 | 4/2026 | percent |
| Energy price inflation | 6.59 | 4/2026 | percent |
| Transport services inflation | 6.47 | 4/2026 | percent |
| Services inflation | 3.44 | 4/2026 | percent |
| Information and communication inflation | 0.28 | 4/2026 | percent |
| Restaurant and accommodation services inflation | 4.67 | 4/2026 | percent |
| Health care inflation | 2.03 | 4/2026 | percent |
| Education services inflation | 2.61 | 4/2026 | percent |
| Clothing and footwear inflation | 1.42 | 4/2026 | percent |
| Housing inflation | 2.44 | 4/2026 | percent |
| Private sector credit | 1,164.83 | 12/2025 | billion |
| Business credit | 462.60 | 12/2025 | billion |
| Household credit | 702.24 | 12/2025 | billion |
| Mortgage credit | 511.67 | 12/2025 | billion |
| Consumer credit | 190.57 | 12/2025 | billion |
| Deposit interest rate | 1.67 | 12/2025 | percent |
| Business credit interest rate | 3.24 | 12/2025 | percent |
| Mortgage credit interest rate | 2.78 | 12/2025 | percent |
| Policy rate | 3.00 | 12/1998 | percent |
| Household debt to GDP | 42.80 | 12/2025 | percent |
| Debt service ratios for private non-financial sector | 11.80 | Q4/2025 | percent |
| Bank deposits, total | 1,668.47 | 5/2026 | local currency units |
| Bank deposits, local currency | 1,644.64 | 5/2026 | local currency units |
| Bank deposits, foreign currency | 23.82 | 5/2026 | local currency units |