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
Jul / 2021
223.61
4.36%
10.68%
Jul / 2021
892.92
1.44%
20.86%
Dec / 2019
1.26
1.18%
2.90%
Jul / 2021
1899.93
5.26%
32.60%
Jul / 2021
1667.99
-3.47%
-4.70%
Jul / 2021
1.91
-0.13%
-1.78%
Jul / 2021
1931.34
1.66%
5.00%
Q2 / 2021
175.15
1.56%
4.60%
Jul / 2021
7.46
5.94%
13.76%
May / 2021
4.79
1.21%
7.54%
Jun / 2021
2353.04
2.32%
9.87%
Jun / 2021
3.61
-0.76%
-3.73%
Aug / 2021
16.35
2.45%
3.83%
Jul / 2021
225.18
2.04%
7.64%
Jun / 2021
416.40
0.72%
-5.92%
Jul / 2021
10.28
2.33%
3.77%
Jun / 2021
44.19
1.98%
8.88%
Jul / 2021
2435.67
4.85%
18.21%
Jul / 2021
27.44
3.98%
10.84%
Jun / 2021
1430.70
4.06%
9.61%
Apr / 2021
32456.60
4.77%
36.76%
Sep / 2020
2334.13
1.78%
3.49%
Aug / 2021
79265.19
2.26%
7.04%
Jul / 2021
67404.16
2.89%
14.33%
Jul / 2021
242369.60
2.47%
7.94%
Jun / 2021
11397.50
0.37%
1.91%
Jul / 2021
140.33
2.02%
3.97%
Jul / 2021
12.28
-7.83%
-8.10%
Jul / 2021
1958.41
2.78%
8.25%
Jul / 2021
2543.89
1.38%
1.65%
Q1 / 2021
29.04
3.34%
22.27%
Dec / 2019
0.41
-0.21%
-2.35%
Aug / 2021
439.55
3.03%
6.52%
Aug / 2021
29.78
5.01%
9.58%
May / 2021
543.46
2.46%
24.03%
Jul / 2021
8.14
1.29%
2.24%
Jul / 2021
9.95
0.82%
5.67%
Jul / 2021
6280.37
1.64%
4.29%
Jul / 2021
8.82
1.04%
1.04%
Jun / 2021
2.07
-1.61%
-3.16%
Jul / 2021
141.75
1.25%
3.78%
Jul / 2021
1600.95
2.17%
5.70%
Apr / 2019
0.58
43.34%
54.75%
Jul / 2021
19.88
1.07%
16.19%
Jul / 2021
1887.33
1.64%
5.30%
Jul / 2021
49.71
-7.42%
-23.60%
Dec / 2019
1.04
-0.15%
-1.51%
Jul / 2021
110.84
2.55%
11.47%
Jun / 2021
54.30
-3.25%
-7.50%
Jul / 2021
41.64
0.41%
7.94%
Jul / 2021
215.18
2.18%
7.05%
Jul / 2021
8894.77
5.07%
15.72%
Aug / 2021
1732.70
5.26%
30.19%
Jul / 2021
28587.41
1.72%
12.94%
Jun / 2021
2730050.32
1.17%
3.94%
Jul / 2021
81.62
-5.67%
-7.08%
May / 2021
558.92
3.45%
7.36%
Jul / 2021
656.51
1.68%
3.48%
Jun / 2021
1795.10
-8.67%
9.06%
Jun / 2021
462.97
3.24%
9.42%
Jul / 2021
167784.70
0.53%
2.79%
Jul / 2021
8864.74
11.51%
30.36%
Jun / 2021
457.70
1.17%
3.25%
Jul / 2021
18.12
2.81%
9.40%
Jul / 2021
5.18
3.45%
4.03%
Q4 / 2020
5.40
1.88%
3.96%
Jul / 2021
11.73
3.29%
8.69%
Jul / 2021
43.19
2.55%
9.68%
Q2 / 2021
327.29
0.52%
4.02%
Aug / 2021
195.51
2.09%
7.91%
Mar / 2021
2318.60
2.81%
18.52%
Jul / 2021
1094.88
0.07%
4.18%
Jun / 2021
951.90
5.34%
2.47%
Jul / 2021
7.04
2.90%
8.65%
Jul / 2021
168.95
2.05%
5.48%
Jul / 2021
1880.51
2.40%
9.69%
Aug / 2021
20.66
12.05%
34.31%
Aug / 2021
9268.88
10.94%
14.10%
Jul / 2021
1.43
1.81%
2.16%
Dec / 2019
0.08
-0.32%
-2.14%
Jul / 2021
364.22
1.36%
5.68%
Jul / 2021
96.64
6.78%
6.79%
Jul / 2021
61.25
0.36%
3.69%
Jul / 2021
545.97
3.11%
4.51%
Q4 / 2019
516.09
1.45%
2.99%
Jul / 2021
237.79
2.91%
10.24%
Jun / 2021
66.48
0.43%
-2.16%
Jun / 2021
461.90
4.15%
5.07%
Jul / 2021
3457.88
1.99%
5.72%
Jul / 2021
916.27
5.99%
28.47%
Jul / 2021
3.76
-0.67%
-0.14%
Jul / 2021
128.68
0.34%
0.60%
Q2 / 2021
1446.74
-0.75%
-3.09%
Jul / 2021
776.56
2.01%
2.96%
Dec / 2020
120.75
0.77%
1.62%
Jul / 2021
159.02
3.55%
8.42%
Jul / 2021
24398.78
6.41%
20.69%
Dec / 2019
1.88
0.90%
1.87%
Q1 / 2021
0.18
-3.38%
-23.03%
Jun / 2021
1774.70
1.73%
19.39%
Jul / 2021
1323.42
3.41%
10.71%
Jul / 2021
1.27
-1.70%
-25.08%
Jul / 2021
301.31
13.92%
18.40%
Jul / 2021
43.79
2.58%
7.42%
Jul / 2021
11.22
1.61%
3.11%
Jul / 2021
1834.64
0.75%
5.35%
Jul / 2021
1292395.60
1.28%
9.98%
Jul / 2021
689.37
0.71%
0.13%
Jul / 2021
2.16
0.96%
1.97%
Jul / 2021
7.48
3.14%
10.11%
Jul / 2021
4641.22
2.04%
6.45%
Jul / 2021
850.54
0.94%
3.37%
Jul / 2021
15252.53
2.47%
9.28%
Jun / 2021
3.54
10.15%
36.84%
Q2 / 2021
7226.88
-3.87%
11.08%
Jul / 2021
12410.04
0.82%
4.62%
Jun / 2021
621.10
1.61%
6.64%
May / 2021
43.85
-0.24%
2.08%
Jul / 2021
850.41
4.82%
17.37%
Aug / 2021
3831.89
2.58%
0.52%
Jul / 2021
3174.69
4.78%
17.11%
Jul / 2021
231.54
6.68%
4.46%
Jul / 2021
338.35
1.24%
4.00%
Jul / 2021
1514.00
1.30%
3.99%
May / 2021
32.41
-1.14%
-1.98%
Apr / 2021
14.72
45.89%
565.91%
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