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
Dec / 2018
183.93
0.32%
3.26%
Dec / 2018
584.67
4.87%
14.49%
Nov / 2018
1.22
-0.32%
0.68%
Dec / 2018
1089.74
2.12%
24.08%
Dec / 2018
1258.59
10.07%
25.75%
Dec / 2018
1.86
0.76%
4.35%
Dec / 2018
1769.90
0.84%
3.33%
Q3 / 2018
156.92
1.39%
4.49%
Dec / 2018
5.32
5.32%
17.62%
Oct / 2018
4.10
3.43%
9.66%
Nov / 2018
1870.89
2.75%
8.19%
Jan / 2019
11.90
4.99%
25.52%
Dec / 2018
184.62
2.16%
8.54%
Oct / 2018
594.90
24.51%
132.11%
Dec / 2018
9.26
0.93%
6.96%
Nov / 2018
34.96
2.36%
5.72%
Dec / 2018
1790.98
3.62%
7.91%
Dec / 2018
21.83
1.92%
10.57%
Oct / 2018
1148.10
0.59%
62.71%
Sep / 2018
14128.70
10.04%
33.35%
Dec / 2018
2165.80
0.77%
3.14%
Jan / 2019
68052.00
2.54%
8.55%
Dec / 2018
47276.24
3.60%
15.71%
Dec / 2018
196641.86
3.39%
10.11%
Nov / 2018
11176.08
3.12%
6.86%
Dec / 2018
124.49
1.53%
5.28%
Dec / 2018
14.89
-0.28%
-31.14%
Dec / 2018
1645.84
1.88%
7.17%
Dec / 2018
2453.50
0.10%
1.15%
Nov / 2018
0.42
-1.57%
-4.46%
Dec / 2018
403.88
2.65%
9.95%
Oct / 2018
294.66
4.40%
16.53%
Dec / 2018
7.56
0.62%
3.18%
Dec / 2018
8.68
1.70%
5.97%
Sep / 2018
2.05
2.31%
8.78%
Dec / 2018
130.75
0.19%
2.18%
Dec / 2018
1398.54
1.56%
4.96%
Dec / 2018
14.17
6.20%
21.04%
Dec / 2018
1674.20
0.98%
3.24%
Dec / 2018
75.90
-3.90%
-6.97%
Nov / 2018
1.05
0.12%
1.11%
Dec / 2018
90.06
2.21%
4.79%
Oct / 2018
48.40
-5.84%
179.77%
Dec / 2018
39.04
6.68%
9.24%
Nov / 2018
176.55
3.65%
12.57%
Dec / 2018
6167.60
1.41%
5.80%
Dec / 2018
1141.26
2.48%
10.50%
Dec / 2018
20997.00
3.95%
14.83%
Dec / 2018
2503563.53
2.98%
9.62%
Dec / 2018
91.40
-0.50%
1.82%
Oct / 2018
487.67
0.95%
3.36%
Dec / 2018
626.68
-0.22%
-0.43%
Oct / 2018
1549.20
4.47%
70.64%
Nov / 2018
161921.60
0.59%
1.79%
Dec / 2018
5302.62
4.05%
17.25%
Aug / 2018
397.50
0.03%
3.52%
Dec / 2018
15.85
1.67%
5.73%
Dec / 2018
4.97
0.01%
-5.23%
Q3 / 2018
4.43
-0.46%
11.69%
Dec / 2018
9.64
2.20%
7.65%
Dec / 2018
35.23
2.02%
7.20%
Q3 / 2018
269.78
5.47%
14.45%
Dec / 2018
155.98
1.77%
9.40%
Jun / 2018
1530.54
4.69%
18.75%
Dec / 2018
959.13
1.42%
4.98%
Oct / 2018
927.40
20.16%
65.25%
Dec / 2018
5.77
1.76%
6.48%
Dec / 2018
156.21
1.32%
5.39%
Q3 / 2018
3793.79
2.05%
8.09%
Dec / 2018
9.97
7.03%
30.25%
Oct / 2018
8432.86
8.95%
26.57%
Dec / 2018
1.26
3.48%
11.93%
Dec / 2018
330.64
1.70%
1.89%
May / 2018
62.80
2.40%
2.73%
Nov / 2018
56.71
2.10%
6.16%
Dec / 2018
510.88
1.38%
1.24%
Dec / 2016
459.71
4.10%
12.37%
Dec / 2018
197.21
1.80%
6.39%
Jun / 2018
80.68
-27.39%
-12.51%
Oct / 2018
413.80
-16.56%
85.31%
Dec / 2018
3022.90
1.32%
5.71%
Dec / 2018
660.09
2.90%
14.77%
Dec / 2018
3.39
3.14%
4.96%
Dec / 2018
119.11
3.06%
10.62%
Q3 / 2018
1051.27
3.49%
18.21%
Nov / 2018
702.28
1.22%
5.20%
Nov / 2018
115.90
0.58%
1.05%
Jan / 2018
0.52
-7.81%
-14.10%
Dec / 2018
133.01
1.28%
9.01%
Dec / 2018
16065.20
4.91%
20.52%
Q2 / 2018
0.25
-4.60%
-5.87%
Oct / 2018
1328.80
13.41%
43.78%
Dec / 2018
1018.89
2.00%
11.60%
Nov / 2018
1.52
4.97%
12.59%
Dec / 2018
266.25
0.18%
1.10%
Dec / 2018
36.54
2.10%
9.44%
Dec / 2018
10.37
1.36%
6.20%
Dec / 2018
1630.20
1.90%
5.66%
Dec / 2018
1095430.90
2.04%
5.54%
Dec / 2018
696.72
-0.29%
0.29%
Dec / 2018
1.89
3.31%
12.83%
Dec / 2018
5.84
1.41%
-4.28%
Dec / 2018
4012.25
1.26%
5.00%
Nov / 2018
787.77
0.73%
2.73%
Dec / 2018
12668.85
1.84%
5.21%
Q3 / 2018
5372.78
1.53%
17.54%
Dec / 2018
11216.14
1.90%
5.55%
Oct / 2018
593.90
5.02%
93.83%
Nov / 2018
39.08
1.38%
4.86%
Dec / 2018
488.16
-2.35%
2.79%
Jan / 2019
3761.19
0.99%
3.36%
Dec / 2018
2549.29
2.14%
11.78%
Dec / 2018
201.29
-1.30%
12.36%
Dec / 2018
337.40
-0.30%
0.03%
Dec / 2018
1411.97
0.92%
3.04%
Sep / 2018
34.78
0.39%
8.19%
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