Household credit by country: the latest data

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* 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
Nov / 2019
196.81
1.83%
7.11%
Dec / 2019
698.81
6.96%
19.52%
Nov / 2019
1.26
1.88%
3.51%
Dec / 2019
1296.24
9.60%
18.76%
Jan / 2020
1638.02
6.75%
28.76%
Dec / 2019
1.92
0.61%
2.82%
Dec / 2019
1827.99
0.88%
3.28%
Q3 / 2019
164.08
1.72%
4.56%
Dec / 2019
6.98
10.91%
31.19%
Oct / 2019
4.34
0.30%
6.01%
Nov / 2019
2070.38
2.24%
10.66%
Nov / 2019
3.81
0.13%
-0.92%
Jan / 2020
14.45
4.72%
21.46%
Dec / 2019
197.02
2.94%
6.79%
Nov / 2019
453.00
4.79%
2.72%
Dec / 2019
10.00
1.18%
7.93%
Nov / 2019
39.42
3.89%
12.75%
Dec / 2019
2002.51
3.72%
11.70%
Dec / 2019
23.91
2.27%
9.53%
Nov / 2019
1304.80
1.37%
13.65%
Jul / 2019
19257.80
10.75%
47.37%
Nov / 2019
2254.87
1.17%
4.21%
Jan / 2020
74224.93
2.42%
9.04%
Dec / 2019
54635.14
3.24%
15.57%
Dec / 2019
223247.71
4.07%
13.53%
Dec / 2019
11204.61
0.38%
0.57%
Dec / 2019
133.12
2.29%
6.93%
Dec / 2019
14.12
-0.16%
-5.17%
Dec / 2019
1750.44
1.68%
6.04%
Dec / 2019
2487.09
-0.37%
1.40%
Nov / 2019
0.41
-0.57%
-2.85%
Jan / 2020
456.97
2.23%
13.47%
Nov / 2019
388.46
7.20%
29.79%
Apr / 2019
7.65
0.85%
3.71%
Jan / 2020
9.26
1.34%
6.46%
Dec / 2019
5937.34
0.93%
3.30%
Sep / 2019
2.11
1.05%
3.11%
Dec / 2019
134.42
0.61%
2.81%
Dec / 2019
1483.54
1.61%
6.08%
Apr / 2019
0.58
43.34%
54.75%
Jan / 2020
15.89
2.97%
13.77%
Dec / 2019
1752.30
1.23%
4.53%
Dec / 2019
69.47
-2.47%
-8.47%
Nov / 2019
1.04
-0.20%
-0.53%
Jan / 2020
98.15
1.78%
7.77%
Nov / 2019
67.60
3.84%
40.54%
Dec / 2019
40.58
5.95%
3.93%
Dec / 2019
198.25
2.47%
8.57%
Dec / 2019
7122.11
3.87%
15.46%
Jan / 2020
1193.77
1.57%
3.65%
Dec / 2019
24332.82
3.29%
15.89%
Nov / 2019
2648377.32
1.89%
7.37%
Dec / 2019
92.04
0.31%
0.70%
Oct / 2019
511.24
1.11%
4.82%
Dec / 2019
630.46
-0.26%
0.67%
Nov / 2019
1675.30
-3.00%
10.98%
Dec / 2019
165463.20
0.22%
2.15%
Dec / 2019
6661.33
6.81%
25.62%
Aug / 2019
433.20
0.72%
8.57%
Dec / 2019
16.44
0.50%
3.71%
Dec / 2019
5.01
-0.20%
0.83%
Q3 / 2019
5.17
5.76%
13.13%
Dec / 2019
10.29
1.08%
6.77%
Dec / 2019
37.86
1.92%
7.46%
Q3 / 2019
302.57
3.25%
12.15%
Jan / 2020
173.06
2.21%
10.62%
Sep / 2019
1841.71
6.35%
14.21%
Dec / 2019
1030.45
1.43%
4.71%
Nov / 2019
1016.30
32.07%
23.17%
Dec / 2019
6.34
2.21%
9.81%
Dec / 2019
170.36
2.18%
9.06%
Q3 / 2019
4045.29
1.51%
6.63%
Jan / 2020
14.13
4.89%
39.92%
Jan / 2020
8860.17
-0.87%
1.65%
Dec / 2019
1.37
3.00%
8.52%
Dec / 2019
344.20
0.31%
4.10%
May / 2019
73.68
2.30%
12.40%
Dec / 2019
61.35
2.68%
7.46%
Dec / 2019
521.35
0.90%
2.05%
Q2 / 2019
504.95
0.36%
3.24%
Dec / 2019
211.12
1.85%
7.05%
Nov / 2019
75.65
-15.29%
-9.60%
Nov / 2019
423.00
-6.33%
7.88%
Dec / 2019
3173.44
0.63%
4.84%
Jan / 2020
725.01
3.01%
9.15%
Dec / 2019
3.78
0.89%
11.17%
Dec / 2019
132.79
2.85%
11.29%
Q3 / 2019
1322.53
13.23%
25.80%
Dec / 2019
740.21
0.20%
5.28%
Nov / 2019
118.84
0.67%
2.54%
Jan / 2020
143.36
1.03%
7.37%
Dec / 2019
19100.41
3.04%
18.89%
Q3 / 2019
0.30
0.86%
18.96%
Nov / 2019
1658.40
25.87%
25.95%
Jan / 2020
1115.75
1.76%
9.16%
Nov / 2019
1.68
3.01%
10.36%
Dec / 2019
262.79
0.12%
-1.30%
Dec / 2019
39.46
2.04%
8.00%
Dec / 2019
10.98
1.37%
5.89%
Dec / 2019
1732.85
1.45%
6.30%
Dec / 2019
1145085.50
1.52%
4.53%
Dec / 2019
693.63
-0.07%
-0.52%
Dec / 2019
2.18
3.05%
15.28%
Apr / 2019
6.17
3.79%
3.00%
Dec / 2019
4206.60
1.35%
5.01%
Nov / 2019
809.40
0.74%
2.74%
Dec / 2019
13397.88
2.24%
5.75%
Oct / 2019
2.48
5.81%
Q4 / 2019
6141.92
-0.78%
8.69%
Dec / 2019
11675.17
1.37%
4.03%
Nov / 2019
544.60
1.57%
-2.30%
Nov / 2019
42.61
2.91%
9.04%
Dec / 2019
563.82
8.46%
15.50%
Jan / 2020
3907.47
1.14%
4.00%
Dec / 2019
2801.01
4.15%
9.87%
Dec / 2019
212.91
-0.03%
5.77%
Dec / 2019
332.75
-0.26%
-1.38%
Dec / 2019
1451.26
0.78%
2.80%
Dec / 2018
34.80
0.06%
3.08%
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