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
Feb / 2019
186.13
1.30%
4.10%
Feb / 2019
605.86
5.27%
21.94%
Jan / 2019
1.23
0.63%
1.08%
Feb / 2019
1097.95
0.97%
17.82%
Feb / 2019
1296.53
7.33%
25.89%
Feb / 2019
1.89
1.64%
5.50%
Feb / 2019
1775.44
0.53%
2.90%
Q4 / 2018
158.39
0.93%
3.75%
Feb / 2019
5.37
1.33%
15.82%
Nov / 2018
4.13
3.51%
10.63%
Jan / 2019
1926.93
3.72%
8.75%
Mar / 2019
12.15
3.23%
22.62%
Feb / 2019
182.85
-0.27%
6.43%
Dec / 2018
437.20
-3.23%
-29.01%
Jan / 2019
9.27
0.51%
6.76%
Jan / 2019
35.23
1.61%
6.31%
Feb / 2019
1814.90
2.05%
8.40%
Feb / 2019
21.93
0.81%
9.82%
Dec / 2018
1153.90
2.20%
7.13%
Oct / 2018
14421.10
10.36%
33.99%
Feb / 2019
2168.13
0.20%
2.96%
Mar / 2019
68768.00
1.72%
8.32%
Feb / 2019
48179.48
2.87%
15.51%
Feb / 2019
198951.12
1.95%
10.12%
Feb / 2019
11096.23
-0.13%
6.07%
Feb / 2019
125.54
0.88%
4.83%
Feb / 2019
14.83
-0.73%
-28.61%
Feb / 2019
1653.96
0.79%
6.64%
Feb / 2019
2464.14
0.27%
1.20%
Jan / 2019
0.42
-0.90%
-3.85%
Feb / 2019
405.41
0.06%
9.10%
Dec / 2018
304.36
3.61%
18.01%
Feb / 2019
7.60
0.03%
3.36%
Feb / 2019
8.72
0.85%
5.81%
Sep / 2018
2.05
2.31%
8.78%
Feb / 2019
131.01
0.12%
2.07%
Feb / 2019
1404.76
1.04%
4.88%
Feb / 2019
14.07
0.89%
17.63%
Feb / 2019
1685.50
0.98%
3.22%
Feb / 2019
75.35
-3.33%
-5.90%
Jan / 2019
1.05
0.17%
0.81%
Feb / 2019
91.19
0.89%
5.76%
Dec / 2018
52.50
6.28%
-0.19%
Feb / 2019
39.10
1.48%
13.27%
Jan / 2019
177.71
2.31%
8.26%
Feb / 2019
6185.93
0.33%
6.92%
Feb / 2019
1151.08
1.67%
10.43%
Feb / 2019
21633.00
4.70%
13.35%
Feb / 2019
2504681.14
1.55%
7.19%
Feb / 2019
89.91
-1.36%
-0.18%
Jan / 2019
492.57
0.99%
4.38%
Feb / 2019
627.26
-0.62%
-0.77%
Dec / 2018
1529.30
-17.83%
15.14%
Feb / 2019
162074.60
0.09%
1.11%
Feb / 2019
5356.71
1.71%
17.10%
Dec / 2018
415.10
2.52%
6.33%
Feb / 2019
15.79
1.83%
4.07%
Feb / 2019
4.97
-0.17%
-4.87%
Q3 / 2018
4.43
-0.46%
11.69%
Feb / 2019
9.68
0.93%
7.35%
Feb / 2019
35.52
1.68%
6.69%
Q3 / 2018
269.78
5.47%
14.45%
Mar / 2019
158.81
1.81%
8.65%
Sep / 2018
1612.60
5.36%
16.05%
Feb / 2019
964.54
1.06%
4.86%
Dec / 2018
845.60
11.63%
13.55%
Feb / 2019
5.86
1.87%
6.95%
Feb / 2019
157.87
0.95%
6.69%
Q4 / 2018
3837.51
1.15%
7.15%
Feb / 2019
10.37
5.67%
32.10%
Oct / 2018
8432.86
8.95%
26.57%
Feb / 2019
1.28
2.53%
11.51%
Feb / 2019
332.12
2.01%
5.14%
May / 2018
62.80
2.40%
2.73%
Jan / 2019
57.24
1.80%
6.03%
Feb / 2019
512.47
1.85%
1.43%
Dec / 2016
459.71
4.10%
12.37%
Feb / 2019
199.14
1.54%
6.28%
Jun / 2018
80.68
-27.39%
-12.51%
Dec / 2018
380.40
-8.65%
20.11%
Feb / 2019
3041.83
0.82%
5.58%
Feb / 2019
670.36
2.95%
13.11%
Feb / 2019
3.70
11.72%
13.90%
Feb / 2019
121.21
2.48%
10.55%
Q4 / 2018
1100.97
4.73%
14.58%
Feb / 2019
708.78
0.93%
5.45%
Jan / 2019
115.11
-0.84%
0.55%
Jan / 2018
0.52
-7.81%
-14.10%
Feb / 2019
133.87
0.82%
7.20%
Feb / 2019
16698.12
4.98%
21.81%
Q2 / 2018
0.25
-4.60%
-5.87%
Dec / 2018
1324.60
12.03%
3.74%
Feb / 2019
1026.69
0.94%
10.95%
Feb / 2019
1.54
1.25%
12.34%
Feb / 2019
264.96
-0.50%
0.45%
Feb / 2019
36.85
1.27%
8.72%
Feb / 2019
10.43
0.84%
5.74%
Feb / 2019
1653.31
1.85%
5.97%
Feb / 2019
1095238.00
0.51%
4.97%
Feb / 2019
694.45
-1.68%
-0.18%
Feb / 2019
1.92
5.12%
13.62%
Feb / 2019
5.95
1.87%
0.20%
Feb / 2019
4034.67
0.95%
4.64%
Jan / 2019
790.60
0.61%
2.64%
Feb / 2019
12678.59
0.77%
4.92%
Q3 / 2018
5372.78
1.53%
17.54%
Feb / 2019
11248.14
1.17%
4.96%
Dec / 2018
546.10
25.11%
10.10%
Jan / 2019
39.65
2.82%
6.48%
Feb / 2019
540.50
10.25%
12.31%
Mar / 2019
3731.19
-0.78%
2.13%
Feb / 2019
2583.33
1.69%
11.80%
Feb / 2019
202.70
-2.93%
13.10%
Feb / 2019
336.43
-0.64%
-0.02%
Feb / 2019
1413.97
0.33%
2.73%
Dec / 2018
34.80
0.06%
5.48%
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