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.

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Countries
Latest data
from:
Latest
value
Change
3 months
Change
12 months
Oct / 2018
183.45
0.93%
3.67%
Oct / 2018
563.17
6.10%
16.11%
Sep / 2018
1.22
0.79%
2.34%
Sep / 2018
1067.21
4.56%
39.90%
Oct / 2018
1169.75
3.76%
23.95%
Oct / 2018
1.85
1.04%
3.28%
Oct / 2018
1760.07
0.75%
3.56%
Q3 / 2018
156.92
1.39%
4.49%
Oct / 2018
5.11
4.76%
9.30%
Jun / 2018
3.93
0.80%
5.37%
Sep / 2018
1834.15
0.18%
10.39%
Nov / 2018
11.55
7.06%
25.74%
Oct / 2018
181.92
1.86%
8.72%
Dec / 2017
256.10
3.06%
9.21%
Oct / 2018
9.23
1.60%
7.04%
Sep / 2018
34.51
2.69%
5.61%
Oct / 2018
1746.16
2.65%
6.42%
Oct / 2018
21.62
2.19%
9.26%
Dec / 2017
769.80
3.93%
17.65%
Jun / 2018
12839.60
10.19%
23.77%
Oct / 2018
2159.36
1.03%
2.00%
Nov / 2018
67061.00
2.67%
8.36%
Oct / 2018
46187.28
4.50%
16.47%
Oct / 2018
192019.69
3.29%
8.27%
Jul / 2018
10584.54
0.96%
3.89%
Oct / 2018
123.53
1.32%
3.51%
Oct / 2018
14.98
-26.32%
-30.51%
Oct / 2018
1629.41
2.21%
7.08%
Oct / 2018
2450.69
0.24%
0.86%
Sep / 2018
0.43
-0.24%
-4.04%
Oct / 2018
396.40
2.95%
8.05%
Sep / 2018
293.75
4.78%
18.12%
Oct / 2018
7.54
1.18%
2.75%
Oct / 2018
8.60
1.88%
5.97%
Jun / 2018
2.00
2.01%
8.10%
Oct / 2018
130.64
0.82%
1.98%
Oct / 2018
1385.41
1.26%
5.07%
Oct / 2018
13.83
8.69%
17.18%
Oct / 2018
1662.90
0.96%
3.18%
Oct / 2018
78.19
-1.43%
-5.43%
Sep / 2018
1.05
0.72%
1.24%
Oct / 2018
88.89
2.02%
3.53%
Dec / 2017
17.50
-8.38%
-65.00%
Oct / 2018
37.52
6.33%
3.98%
Sep / 2018
166.08
2.76%
6.74%
Oct / 2018
6132.58
2.28%
4.87%
Oct / 2018
1122.57
2.92%
9.61%
Sep / 2018
20200.00
4.47%
15.78%
Oct / 2018
2445914.44
2.57%
8.36%
Oct / 2018
92.70
2.07%
1.20%
Aug / 2018
484.93
1.20%
3.72%
Oct / 2018
630.29
0.10%
-0.05%
Dec / 2017
916.00
3.73%
12.85%
Oct / 2018
161505.00
0.51%
1.59%
Oct / 2018
5180.77
4.88%
13.80%
Aug / 2018
397.50
0.03%
3.52%
Oct / 2018
15.55
1.48%
4.29%
Oct / 2018
4.98
0.46%
-5.76%
Q2 / 2018
4.45
2.19%
16.72%
Oct / 2018
9.52
2.20%
6.90%
Oct / 2018
34.71
1.64%
6.49%
Q3 / 2018
269.78
5.47%
14.45%
Oct / 2018
154.63
2.29%
9.42%
Mar / 2018
1461.99
1.86%
21.68%
Oct / 2018
949.82
1.40%
5.18%
Dec / 2017
676.70
15.30%
26.25%
Oct / 2018
5.70
1.98%
6.11%
Oct / 2018
156.37
3.32%
7.13%
Q3 / 2018
3793.79
2.05%
8.09%
Oct / 2018
9.57
8.78%
26.36%
Oct / 2018
8432.86
8.95%
26.57%
Oct / 2018
1.23
2.36%
9.73%
Oct / 2018
325.09
1.12%
0.54%
May / 2018
62.80
2.40%
2.73%
Sep / 2018
55.82
2.21%
6.27%
Oct / 2018
502.68
-0.16%
-2.32%
Dec / 2016
459.71
4.10%
12.37%
Oct / 2018
194.69
1.60%
6.32%
Jun / 2018
80.68
-27.39%
-12.51%
Dec / 2017
211.40
-8.41%
1.25%
Oct / 2018
3000.88
1.74%
5.40%
Oct / 2018
642.95
1.88%
15.33%
Oct / 2018
3.28
-0.28%
5.19%
Oct / 2018
116.26
2.55%
9.69%
Q3 / 2018
1051.27
3.49%
18.21%
Dec / 2017
667.55
-0.19%
1.87%
Sep / 2018
115.29
0.27%
0.58%
Jan / 2018
0.52
-7.81%
-14.10%
Oct / 2018
132.27
2.43%
8.71%
Oct / 2018
15562.25
5.91%
19.61%
Q2 / 2018
0.25
-4.60%
-5.87%
Dec / 2017
965.50
7.94%
18.29%
Oct / 2018
1009.04
3.38%
10.98%
Sep / 2018
1.47
4.10%
13.82%
Oct / 2018
265.96
0.34%
1.86%
Oct / 2018
36.12
2.45%
10.97%
Oct / 2018
10.30
2.19%
6.16%
Oct / 2018
1610.21
1.89%
5.25%
Oct / 2018
1082217.50
1.73%
5.07%
Oct / 2018
697.80
-0.16%
-0.94%
Oct / 2018
1.79
1.55%
7.52%
Aug / 2018
5.65
-7.68%
-8.87%
Oct / 2018
3977.23
1.30%
4.94%
Sep / 2018
783.57
0.65%
2.53%
Oct / 2018
12508.24
1.40%
5.05%
Q2 / 2018
5291.75
5.22%
27.35%
Oct / 2018
11047.02
1.49%
5.14%
Dec / 2017
307.70
2.81%
1.62%
Aug / 2018
38.55
2.15%
7.29%
Oct / 2018
493.57
-1.81%
5.92%
Oct / 2018
3720.30
0.91%
2.45%
Oct / 2018
2516.52
1.92%
11.07%
Oct / 2018
205.59
9.60%
25.58%
Sep / 2018
338.40
0.33%
0.69%
Oct / 2018
1405.08
1.10%
2.82%
Jul / 2018
34.78
3.48%
11.23%
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