Household credit by country: the latest data

* 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
Jun / 2019
190.37
1.68%
5.34%
Jun / 2019
644.03
8.51%
20.52%
Feb / 2019
1.24
2.21%
2.45%
Jun / 2019
1114.14
0.96%
9.28%
Jun / 2019
1411.40
6.97%
29.90%
Jun / 2019
1.89
0.50%
4.17%
Jun / 2019
1787.31
0.50%
2.46%
Q1 / 2019
159.15
0.48%
4.57%
Jun / 2019
5.80
6.80%
20.26%
Apr / 2019
4.28
2.02%
9.58%
May / 2019
2014.87
3.76%
11.82%
Jul / 2019
13.01
5.29%
23.58%
Jun / 2019
187.55
2.45%
5.67%
May / 2019
440.10
-15.77%
-11.20%
Jun / 2019
9.68
2.73%
7.39%
May / 2019
36.19
2.73%
8.10%
Jun / 2019
1873.64
2.45%
10.13%
Jun / 2019
22.74
2.58%
8.12%
May / 2019
1255.80
4.68%
14.73%
Jan / 2019
17250.40
18.27%
54.28%
Jun / 2019
2206.88
1.26%
3.71%
Jul / 2019
71066.31
2.47%
9.84%
Jun / 2019
51006.59
3.94%
17.07%
Jun / 2019
206756.45
3.47%
11.34%
May / 2019
10984.40
-1.11%
3.59%
Jun / 2019
129.23
1.82%
6.10%
Jun / 2019
14.36
-2.86%
-30.13%
Jun / 2019
1693.10
1.70%
6.55%
Jun / 2019
2485.91
0.47%
1.60%
Feb / 2019
0.42
-0.61%
-4.04%
Jun / 2019
425.72
3.97%
11.21%
Apr / 2019
342.16
7.99%
22.41%
Apr / 2019
7.65
0.85%
3.71%
Jun / 2019
8.94
2.17%
6.57%
Jun / 2019
5826.72
0.87%
2.85%
Dec / 2018
2.08
1.78%
8.34%
Jun / 2019
132.44
0.87%
2.28%
Jun / 2019
1434.28
1.53%
5.61%
Apr / 2019
0.58
43.34%
54.75%
Jun / 2019
14.90
5.45%
18.25%
Jun / 2019
1711.90
1.16%
4.18%
Jun / 2019
74.09
-1.29%
-6.88%
Feb / 2019
1.05
0.13%
0.59%
Jun / 2019
93.09
1.41%
7.14%
May / 2019
42.60
10.36%
-5.12%
Jun / 2019
39.25
-0.33%
12.87%
Jun / 2019
188.78
2.31%
11.22%
Jun / 2019
6395.27
2.62%
7.57%
Jun / 2019
1183.51
2.37%
10.34%
Jun / 2019
22538.00
1.49%
16.56%
Jun / 2019
2576389.29
1.66%
8.25%
Jun / 2019
89.80
0.03%
-0.81%
May / 2019
500.05
1.48%
4.35%
Jun / 2019
630.80
0.60%
0.27%
May / 2019
1584.80
3.70%
12.04%
May / 2019
163740.80
1.03%
2.01%
Jun / 2019
5835.44
7.34%
20.72%
May / 2019
430.10
3.24%
8.23%
Jun / 2019
15.98
0.42%
4.78%
Jun / 2019
5.00
0.54%
-4.64%
Q1 / 2019
4.79
1.64%
10.06%
Jun / 2019
9.92
1.85%
7.30%
Jun / 2019
36.48
1.71%
7.40%
Q2 / 2019
293.04
3.55%
14.57%
Jun / 2019
164.17
3.37%
9.81%
Dec / 2018
1671.49
3.65%
16.46%
Jun / 2019
1003.89
1.05%
4.88%
May / 2019
854.90
6.04%
2.91%
Jun / 2019
6.05
2.13%
8.91%
Jun / 2019
164.15
2.76%
9.58%
Q1 / 2019
3934.79
2.39%
6.92%
Jun / 2019
11.94
11.38%
39.04%
Jul / 2019
8920.66
1.42%
21.32%
Jun / 2019
1.30
0.58%
9.40%
Jun / 2019
339.22
1.39%
6.09%
May / 2019
73.68
2.30%
12.40%
May / 2019
58.42
1.16%
7.82%
Jun / 2019
513.70
0.15%
2.42%
Dec / 2016
459.71
4.10%
12.21%
Jun / 2019
204.00
1.86%
6.92%
Jan / 2018
99.10
2.71%
14.17%
May / 2019
428.30
-0.21%
-9.96%
Jun / 2019
3114.56
1.83%
6.03%
Jun / 2019
703.35
4.39%
12.44%
Jun / 2019
3.70
1.18%
14.15%
Jun / 2019
126.01
2.91%
11.37%
Q1 / 2019
1134.04
3.00%
15.36%
Jun / 2019
728.67
2.06%
6.07%
May / 2019
115.22
0.06%
0.28%
Jun / 2019
137.12
1.63%
6.89%
Jun / 2019
17769.16
4.87%
23.12%
Q1 / 2019
0.29
6.50%
11.56%
May / 2019
1315.70
5.48%
14.75%
Jun / 2019
1053.35
1.45%
9.33%
Jun / 2019
1.60
2.00%
12.67%
Jun / 2019
263.58
-0.41%
-0.64%
Jun / 2019
37.88
2.07%
8.50%
May / 2019
10.63
1.94%
6.32%
Jun / 2019
1677.10
1.14%
6.55%
Jun / 2019
1111041.70
1.29%
4.89%
Jun / 2019
704.99
1.23%
-0.07%
Jun / 2019
2.04
3.19%
16.48%
Apr / 2019
6.17
3.79%
3.00%
Jun / 2019
4108.55
1.45%
4.93%
May / 2019
797.23
0.72%
2.62%
Jun / 2019
12927.90
1.65%
5.26%
Apr / 2019
2.30
5.92%
Q1 / 2019
5606.17
-0.79%
11.47%
Jun / 2019
11395.25
0.64%
5.00%
May / 2019
534.30
-3.38%
-1.46%
May / 2019
40.53
1.40%
7.40%
Jun / 2019
495.05
1.12%
-0.36%
Jul / 2019
3817.89
1.80%
3.57%
Jun / 2019
2626.68
2.17%
9.59%
Jun / 2019
208.61
0.91%
13.52%
May / 2019
332.23
-1.25%
-1.44%
Jun / 2019
1427.10
0.69%
2.93%
Dec / 2018
34.80
0.06%
3.08%
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