Household credit by country: the latest data

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* indicates monthly or quarterly data series
The table shows the level of bank credit to households (both mortgage credit and consumer credit) around the world including the most recent value and recent changes. The numbers are in billion local currency units and are updated continuously as the national authorities release the new data.

Household credit carries benefits and risks to the economy. On the positive side, it allows households to purchase real estate, cars, and other items by spreading the cost over time. This makes household consumption more even over time and not so dependent on fluctuations in incomes. On the negative side, many financial crises are associated with a massive build up in household credit. Easy money pushes up property values and raises the debt levels. Then, an increase in interest rates or a drop in incomes can put significant strain on the household budgets. Households cut their spending in order to deleverage (reduce their debt) and the economy enters a recession.

Household credit is now a major component of bank credit in the advanced economies and is rapidly catching up with the levels of business credit in the developing world.

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.

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Countries
Latest data
from:
Latest
value
Change
3 months
Change
12 months
Feb / 2021
210.67
0.84%
6.12%
Feb / 2021
819.85
4.42%
12.60%
Dec / 2019
1.26
1.18%
2.90%
Feb / 2021
1727.10
6.13%
31.74%
Feb / 2021
1724.83
-1.09%
3.72%
Feb / 2021
1.92
-1.02%
0.15%
Feb / 2021
1882.10
1.09%
2.72%
Q4 / 2020
171.32
0.94%
3.42%
Feb / 2021
6.77
0.21%
-4.62%
Nov / 2020
4.70
2.92%
7.97%
Jan / 2021
2237.48
3.34%
6.13%
Nov / 2020
3.73
-0.09%
-2.14%
Mar / 2021
15.82
-0.55%
4.88%
Feb / 2021
217.62
1.78%
7.14%
Jan / 2021
422.80
-0.21%
2.95%
Feb / 2021
9.92
-0.34%
0.15%
Jan / 2021
43.00
2.86%
6.66%
Feb / 2021
2273.08
3.00%
11.28%
Feb / 2021
25.77
1.16%
6.34%
Jan / 2021
1382.80
-2.32%
11.14%
Nov / 2020
29085.90
15.24%
36.74%
Sep / 2020
2334.13
1.78%
3.49%
Mar / 2021
76733.69
1.98%
2.28%
Dec / 2020
62443.31
2.80%
14.29%
Feb / 2021
233462.75
1.51%
2.30%
Nov / 2020
11323.05
0.85%
0.81%
Feb / 2021
136.90
0.54%
1.92%
Feb / 2021
13.36
0.53%
-5.46%
Feb / 2021
1878.52
1.35%
6.51%
Feb / 2021
2501.40
-0.67%
0.04%
Q2 / 2020
22.06
-7.14%
-8.24%
Dec / 2019
0.41
-0.21%
-2.35%
Mar / 2021
418.48
0.26%
1.59%
Mar / 2021
28.42
1.48%
2.62%
Jan / 2021
521.06
3.37%
29.30%
Feb / 2021
7.96
-0.32%
-0.39%
Feb / 2021
9.76
1.10%
4.99%
Feb / 2021
6138.20
0.32%
2.88%
Jan / 2021
8.78
0.09%
0.45%
Dec / 2020
2.10
-0.05%
-2.16%
Feb / 2021
139.24
0.69%
3.13%
Feb / 2021
1556.12
0.94%
4.25%
Apr / 2019
0.58
43.34%
54.75%
Feb / 2021
18.96
2.56%
19.73%
Feb / 2021
1840.26
0.76%
4.45%
Feb / 2021
59.62
-6.91%
-13.39%
Dec / 2019
1.04
-0.15%
-1.51%
Feb / 2021
104.63
1.63%
5.79%
Jan / 2021
69.10
7.13%
1.92%
Feb / 2021
39.30
-4.77%
-1.12%
Jan / 2021
206.77
0.87%
4.13%
Feb / 2021
8230.98
2.15%
13.48%
Feb / 2021
1525.69
4.76%
27.94%
Jan / 2021
27244.15
4.32%
9.10%
Feb / 2021
2679695.61
0.47%
0.52%
Feb / 2021
84.76
-2.55%
-6.91%
Dec / 2020
539.01
1.82%
4.65%
Feb / 2021
642.02
0.05%
1.71%
Jan / 2021
1774.80
1.33%
4.45%
Jan / 2021
447.99
2.25%
8.11%
Feb / 2021
169363.50
0.58%
2.22%
Jan / 2021
7600.14
6.18%
13.28%
Jan / 2021
459.80
-0.15%
5.17%
Feb / 2021
17.35
1.13%
5.60%
Feb / 2021
4.99
-0.47%
-0.23%
Q3 / 2020
5.30
2.22%
2.52%
Feb / 2021
11.14
1.33%
5.69%
Feb / 2021
41.27
2.00%
7.63%
Q4 / 2020
317.43
-0.11%
3.07%
Feb / 2021
186.85
0.95%
7.14%
Sep / 2020
2121.70
1.94%
15.20%
Feb / 2021
1085.47
0.83%
5.08%
Jan / 2021
881.50
-5.84%
-13.84%
Feb / 2021
6.74
1.73%
5.65%
Feb / 2021
166.30
1.26%
3.60%
Feb / 2021
1819.86
-0.32%
4.91%
Feb / 2021
16.58
3.26%
15.68%
Feb / 2021
7837.02
-2.59%
-3.69%
Feb / 2021
1.40
-0.82%
2.00%
Dec / 2019
0.08
-0.32%
-2.14%
Feb / 2021
355.46
1.45%
3.64%
Feb / 2021
88.36
0.82%
16.74%
Jan / 2021
60.11
0.50%
2.45%
Feb / 2021
525.41
0.03%
0.70%
Q4 / 2019
516.09
1.45%
2.99%
Feb / 2021
226.76
2.31%
6.35%
Nov / 2020
69.68
3.73%
-7.89%
Jan / 2021
444.10
-2.52%
1.74%
Feb / 2021
3362.36
0.49%
5.39%
Feb / 2021
829.73
6.56%
14.40%
Jan / 2021
3.79
-0.23%
0.63%
Jan / 2021
128.18
0.17%
-4.09%
Q3 / 2020
1470.63
-1.49%
11.20%
Jan / 2021
761.57
-0.60%
2.14%
Dec / 2020
120.75
0.77%
1.62%
Feb / 2021
150.61
0.65%
4.29%
Feb / 2021
22052.68
2.74%
13.26%
Dec / 2019
1.88
0.90%
1.87%
Q3 / 2020
0.17
-25.14%
-42.82%
Jan / 2021
1578.10
-1.92%
9.69%
Feb / 2021
1250.65
0.66%
11.39%
Feb / 2021
1.41
-9.70%
-17.69%
Feb / 2021
261.97
1.42%
0.01%
Feb / 2021
42.10
0.96%
5.56%
Feb / 2021
10.94
-0.61%
-0.59%
Feb / 2021
1804.81
1.41%
2.75%
Dec / 2020
1232347.30
2.94%
7.62%
Feb / 2021
682.80
-1.70%
-1.42%
Feb / 2021
2.12
0.87%
-5.05%
Jan / 2021
7.24
4.81%
10.28%
Feb / 2021
4503.17
1.31%
5.77%
Jan / 2021
835.58
0.78%
2.85%
Feb / 2021
14695.43
1.95%
9.23%
Dec / 2020
2.97
9.42%
7.75%
Q4 / 2020
7278.20
6.81%
18.50%
Feb / 2021
12228.80
1.02%
4.87%
Jan / 2021
613.80
0.38%
12.79%
Sep / 2020
43.11
0.49%
3.16%
Feb / 2021
794.74
1.45%
34.23%
Feb / 2021
3753.54
-0.98%
-3.45%
Feb / 2021
2968.70
3.47%
7.19%
Feb / 2021
209.55
-0.48%
-3.88%
Jan / 2021
330.30
0.57%
-0.74%
Feb / 2021
1482.20
0.62%
1.87%
Oct / 2020
33.06
-1.23%
-5.07%
Nov / 2020
7.92
49.67%
587.25%
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