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
Aug / 2019
193.27
2.66%
5.72%
Jul / 2019
650.62
10.55%
22.57%
Jun / 2019
1.25
0.75%
2.47%
Jul / 2019
1137.77
2.11%
10.22%
Aug / 2019
1464.80
5.76%
28.96%
Jul / 2019
1.89
0.11%
3.16%
Aug / 2019
1813.44
1.59%
3.52%
Q2 / 2019
161.30
1.35%
4.22%
Aug / 2019
6.09
7.65%
22.38%
Jul / 2019
4.33
1.15%
9.31%
Jul / 2019
2028.15
2.13%
11.36%
Aug / 2019
3.81
0.52%
-0.37%
Aug / 2019
13.27
5.73%
23.00%
Aug / 2019
189.93
2.16%
5.82%
Jun / 2019
441.40
11.58%
-2.75%
Aug / 2019
9.81
2.17%
7.48%
Jul / 2019
37.30
5.01%
9.92%
Aug / 2019
1911.07
2.60%
10.68%
Aug / 2019
23.21
3.21%
8.80%
Jun / 2019
1202.40
3.12%
9.09%
Apr / 2019
17388.80
5.80%
45.96%
Aug / 2019
2229.79
1.62%
4.11%
Sep / 2019
72173.13
2.43%
9.80%
Aug / 2019
52175.67
3.82%
16.23%
Aug / 2019
212047.06
3.49%
12.47%
Aug / 2019
11061.24
-0.11%
2.06%
Aug / 2019
130.04
0.86%
6.28%
Aug / 2019
14.23
-3.30%
-29.79%
Aug / 2019
1712.84
1.73%
6.33%
Aug / 2019
2495.03
0.53%
1.73%
Jun / 2019
0.41
-1.51%
-3.97%
Aug / 2019
436.74
4.19%
12.19%
Jul / 2019
363.86
6.34%
28.92%
Apr / 2019
7.65
0.85%
3.71%
Aug / 2019
9.05
1.74%
6.66%
Aug / 2019
5864.47
1.14%
2.99%
Jun / 2019
2.09
0.17%
4.39%
Aug / 2019
133.29
1.08%
2.52%
Aug / 2019
1450.46
1.75%
5.75%
Apr / 2019
0.58
43.34%
54.75%
Aug / 2019
15.14
3.82%
15.24%
Aug / 2019
1723.20
1.03%
4.22%
Aug / 2019
73.58
-1.23%
-7.20%
Jun / 2019
1.05
-0.40%
0.75%
Aug / 2019
94.42
1.51%
7.78%
Jun / 2019
65.20
65.48%
-9.82%
Aug / 2019
38.31
-0.88%
5.12%
Jul / 2019
189.29
1.70%
10.51%
Aug / 2019
6685.32
5.49%
10.52%
Aug / 2019
1198.56
2.21%
9.00%
Aug / 2019
23039.30
2.79%
15.64%
Aug / 2019
2599240.98
0.89%
7.97%
Aug / 2019
91.18
1.70%
0.25%
Jun / 2019
503.37
1.62%
4.72%
Aug / 2019
630.94
0.21%
0.49%
Jun / 2019
1616.20
-1.43%
15.43%
Aug / 2019
164281.80
0.33%
2.20%
Aug / 2019
6151.75
8.70%
22.41%
Jun / 2019
429.60
1.11%
7.97%
Aug / 2019
16.08
1.19%
5.09%
Aug / 2019
5.01
0.43%
0.81%
Q1 / 2019
4.79
1.64%
10.06%
Aug / 2019
10.11
2.46%
7.85%
Aug / 2019
36.83
1.75%
7.55%
Q2 / 2019
293.04
3.55%
14.57%
Aug / 2019
166.42
2.53%
9.37%
Dec / 2018
1671.49
3.65%
16.46%
Aug / 2019
1012.25
1.11%
4.60%
Jun / 2019
827.40
6.53%
-1.10%
Aug / 2019
6.17
2.75%
9.73%
Jul / 2019
164.15
2.16%
8.46%
Q2 / 2019
3984.94
1.27%
7.19%
Aug / 2019
12.84
11.03%
41.23%
Aug / 2019
8890.04
-0.43%
16.81%
Aug / 2019
1.31
1.45%
8.48%
Aug / 2019
340.95
0.35%
5.29%
May / 2019
73.68
2.30%
12.40%
Jul / 2019
59.14
1.67%
7.36%
Aug / 2019
515.62
0.46%
2.17%
Q4 / 2018
511.02
3.58%
6.56%
Aug / 2019
206.19
1.66%
6.93%
Jan / 2018
99.10
2.71%
14.17%
Jun / 2019
411.50
0.98%
-11.68%
Aug / 2019
3138.27
1.42%
5.85%
Aug / 2019
704.29
1.25%
10.63%
Aug / 2019
3.73
0.75%
11.11%
Aug / 2019
127.95
2.64%
11.43%
Q2 / 2019
1168.02
3.00%
14.98%
Jul / 2019
735.44
2.62%
7.04%
Jul / 2019
117.43
1.99%
2.04%
Aug / 2019
139.84
2.60%
7.31%
Aug / 2019
18284.65
4.34%
21.66%
Q1 / 2019
0.29
6.50%
11.56%
Jun / 2019
1323.60
6.31%
15.77%
Aug / 2019
1074.48
1.64%
8.50%
Aug / 2019
1.63
3.60%
12.47%
Aug / 2019
262.15
-0.64%
-1.15%
Aug / 2019
38.42
2.01%
8.02%
Aug / 2019
10.78
1.44%
6.10%
Jul / 2019
1687.84
1.62%
6.80%
Jul / 2019
1117299.40
1.42%
5.03%
Aug / 2019
696.34
-0.21%
-0.24%
Aug / 2019
2.11
5.05%
17.88%
Apr / 2019
6.17
3.79%
3.00%
Aug / 2019
4138.29
1.33%
4.95%
Jul / 2019
801.54
0.77%
2.71%
Aug / 2019
13043.39
1.47%
5.31%
Aug / 2019
2.41
4.06%
Q2 / 2019
5992.96
6.90%
13.25%
Aug / 2019
11474.62
1.11%
4.84%
Jun / 2019
529.20
-1.96%
-2.67%
Jun / 2019
40.93
1.75%
7.85%
Aug / 2019
506.61
3.05%
0.94%
Aug / 2019
3833.53
1.59%
3.57%
Jul / 2019
2675.08
3.33%
8.34%
Aug / 2019
213.70
2.44%
5.29%
Aug / 2019
332.74
0.15%
-1.82%
Aug / 2019
1435.89
0.96%
3.00%
Dec / 2018
34.80
0.06%
3.08%
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