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
Apr / 2019
187.09
1.27%
4.54%
Apr / 2019
588.51
0.31%
15.61%
Feb / 2019
1.24
2.21%
2.45%
Mar / 2019
1101.61
1.00%
18.21%
Apr / 2019
1365.31
7.32%
30.46%
Apr / 2019
1.88
0.94%
5.03%
Apr / 2019
1782.00
0.62%
3.05%
Q1 / 2019
159.15
0.48%
4.57%
Apr / 2019
5.52
3.95%
17.62%
Nov / 2018
4.13
3.51%
10.65%
Mar / 2019
1961.29
2.32%
10.23%
May / 2019
12.55
4.62%
23.69%
Apr / 2019
184.73
-0.30%
5.60%
Feb / 2019
522.50
18.48%
-14.27%
Apr / 2019
9.51
2.53%
7.36%
Mar / 2019
35.65
1.50%
6.98%
Apr / 2019
1843.93
2.04%
9.48%
Apr / 2019
22.27
1.79%
7.86%
Feb / 2019
1199.60
4.49%
9.76%
Oct / 2018
14421.10
10.36%
36.11%
Apr / 2019
2177.18
0.43%
3.21%
May / 2019
69908.23
2.29%
9.42%
Apr / 2019
49595.72
2.82%
17.41%
Apr / 2019
200851.99
1.71%
10.28%
Mar / 2019
11056.05
-0.90%
5.69%
Apr / 2019
127.83
2.33%
6.10%
Apr / 2019
14.73
-1.02%
-28.74%
Apr / 2019
1673.13
1.23%
6.88%
Apr / 2019
2473.56
0.62%
1.75%
Feb / 2019
0.42
-0.61%
-4.04%
Apr / 2019
413.59
2.70%
9.87%
Feb / 2019
316.30
5.68%
20.93%
Apr / 2019
7.65
0.85%
3.71%
Apr / 2019
8.75
0.67%
5.78%
Apr / 2019
5791.61
0.68%
2.77%
Dec / 2018
2.08
1.78%
8.34%
Apr / 2019
131.33
0.32%
2.24%
Apr / 2019
1420.47
1.34%
5.61%
Apr / 2019
14.23
1.90%
16.12%
Apr / 2019
1699.10
1.14%
3.80%
Apr / 2019
74.67
-1.14%
-6.41%
Feb / 2019
1.05
0.13%
0.59%
Apr / 2019
92.15
1.18%
6.87%
Feb / 2019
38.60
-19.75%
-43.73%
Apr / 2019
39.04
-0.69%
13.94%
Mar / 2019
182.81
1.69%
11.04%
Apr / 2019
6276.27
1.67%
7.48%
Apr / 2019
1167.48
1.36%
10.52%
Apr / 2019
22228.00
4.01%
15.70%
Mar / 2019
2534343.40
1.23%
8.46%
Apr / 2019
89.53
-1.99%
0.62%
Feb / 2019
492.77
0.51%
4.43%
Apr / 2019
628.04
0.22%
-0.77%
Feb / 2019
1528.20
1.23%
9.53%
Mar / 2019
163389.90
0.87%
1.93%
Apr / 2019
5537.19
4.10%
18.96%
Feb / 2019
416.60
1.39%
6.96%
Apr / 2019
15.76
-0.08%
4.49%
Apr / 2019
4.98
0.25%
-4.61%
Q3 / 2018
4.43
-0.46%
11.69%
Apr / 2019
9.79
0.99%
7.95%
Apr / 2019
36.02
1.74%
7.80%
Q3 / 2018
269.78
5.47%
14.45%
Apr / 2019
159.67
1.90%
9.24%
Sep / 2018
1612.60
5.36%
17.98%
Apr / 2019
971.99
0.86%
5.21%
Feb / 2019
806.20
-2.29%
-10.10%
Apr / 2019
5.95
2.21%
8.43%
Apr / 2019
160.68
2.41%
7.98%
Q1 / 2019
3934.79
2.39%
6.92%
Apr / 2019
11.18
10.69%
39.27%
Apr / 2019
8773.01
0.65%
27.55%
Apr / 2019
1.28
1.06%
10.24%
Apr / 2019
336.09
1.58%
5.69%
May / 2018
62.80
2.40%
8.79%
Mar / 2019
57.80
1.25%
6.81%
Apr / 2019
513.06
0.49%
1.32%
Dec / 2016
459.71
4.10%
12.21%
Apr / 2019
201.36
1.65%
6.86%
Jan / 2018
99.10
2.71%
14.17%
Feb / 2019
429.20
9.46%
-1.38%
Apr / 2019
3070.72
1.20%
6.07%
Apr / 2019
683.07
2.84%
12.89%
Apr / 2019
3.71
8.18%
12.76%
Apr / 2019
123.36
2.58%
11.51%
Q4 / 2018
1100.97
4.73%
14.58%
Mar / 2019
714.01
1.52%
6.20%
Mar / 2019
115.12
-0.17%
0.37%
Jan / 2018
0.52
-7.81%
-15.59%
Apr / 2019
135.45
1.45%
7.77%
Apr / 2019
17258.98
4.36%
23.98%
Q4 / 2018
0.27
7.61%
-4.09%
Feb / 2019
1247.40
-5.26%
-0.75%
Mar / 2019
1038.26
1.90%
12.20%
Feb / 2019
1.54
1.25%
13.33%
Apr / 2019
264.57
-0.35%
-0.03%
Apr / 2019
37.11
1.11%
8.61%
Apr / 2019
10.57
1.66%
6.71%
Apr / 2019
1660.95
1.18%
6.19%
Apr / 2019
1101700.30
0.63%
5.01%
Apr / 2019
696.65
0.07%
0.15%
Apr / 2019
2.00
3.58%
17.44%
Feb / 2019
5.95
1.87%
-2.59%
Apr / 2019
4064.14
0.98%
4.98%
Mar / 2019
793.75
0.69%
2.72%
Apr / 2019
12772.23
0.65%
5.24%
Q4 / 2018
5367.94
-0.09%
0.04%
Apr / 2019
11330.18
0.97%
5.53%
Feb / 2019
553.00
-0.79%
8.90%
Feb / 2019
39.97
2.27%
7.34%
Apr / 2019
491.31
1.30%
1.19%
Apr / 2019
3749.51
-0.21%
2.64%
Apr / 2019
2588.77
0.60%
13.07%
Apr / 2019
205.05
0.98%
13.69%
Apr / 2019
332.56
-1.36%
-1.43%
Apr / 2019
1419.88
0.46%
3.04%
Dec / 2018
34.80
0.06%
3.08%
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