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
Oct / 2020
207.83
2.87%
5.97%
Sep / 2020
748.54
1.50%
15.55%
Dec / 2019
1.26
1.18%
2.90%
Sep / 2020
1503.98
9.44%
27.16%
Oct / 2020
1778.32
1.60%
15.90%
Sep / 2020
1.95
1.16%
3.00%
Sep / 2020
1848.34
0.34%
2.01%
Q3 / 2020
169.72
1.35%
3.44%
Jul / 2020
6.56
-2.14%
10.48%
Sep / 2020
4.60
2.92%
5.85%
Aug / 2020
2144.29
0.76%
5.89%
Sep / 2020
3.73
-0.52%
-2.05%
Oct / 2020
15.77
1.92%
14.25%
Sep / 2020
211.34
2.71%
10.42%
Aug / 2020
545.20
29.04%
26.12%
Sep / 2020
9.95
0.80%
0.69%
Aug / 2020
41.05
1.71%
8.17%
Sep / 2020
2121.24
3.97%
9.27%
Oct / 2020
25.32
2.29%
7.06%
Aug / 2020
1339.00
3.67%
4.02%
Aug / 2020
25239.30
4.11%
27.38%
Sep / 2020
2334.13
1.78%
3.49%
Oct / 2020
74273.91
-0.31%
2.49%
Oct / 2020
61881.81
3.76%
16.02%
Sep / 2020
225637.90
0.36%
5.19%
Aug / 2020
11160.82
1.04%
0.96%
Oct / 2020
136.04
0.79%
3.49%
Oct / 2020
13.29
-0.58%
-5.69%
Oct / 2020
1841.60
1.80%
6.36%
Oct / 2020
2516.63
0.56%
1.07%
Q2 / 2020
22.06
-7.14%
-8.24%
Dec / 2019
0.41
-0.21%
-2.35%
Oct / 2020
412.12
0.19%
3.04%
Jul / 2020
456.68
7.07%
28.00%
Sep / 2020
7.97
0.08%
1.83%
Oct / 2020
9.58
1.77%
4.89%
Oct / 2020
6094.57
1.20%
3.29%
Sep / 2020
2.10
-1.70%
-0.49%
Oct / 2020
138.06
1.08%
3.01%
Sep / 2020
1528.33
1.47%
4.68%
Apr / 2019
0.58
43.34%
54.75%
Oct / 2020
18.09
5.74%
17.21%
Sep / 2020
1810.80
1.58%
4.51%
Oct / 2020
64.42
-0.98%
-8.99%
Dec / 2019
1.04
-0.15%
-1.51%
Aug / 2020
99.97
0.45%
5.88%
Aug / 2020
60.10
-5.65%
-7.68%
Sep / 2020
39.29
1.31%
2.59%
Aug / 2020
200.24
-0.11%
4.61%
Sep / 2020
7882.20
3.91%
14.96%
Oct / 2020
1409.06
8.85%
19.89%
Sep / 2020
25717.12
3.27%
9.17%
Sep / 2020
2651719.23
0.96%
0.82%
Oct / 2020
88.21
0.42%
-3.70%
Aug / 2020
528.31
1.47%
4.15%
Sep / 2020
636.73
0.71%
0.73%
Aug / 2020
2252.80
36.42%
30.44%
Aug / 2020
430.93
2.45%
9.78%
Sep / 2020
167464.20
0.42%
1.43%
Oct / 2020
7157.68
5.26%
12.14%
Jun / 2020
445.10
1.27%
3.61%
Sep / 2020
17.04
3.75%
4.15%
Oct / 2020
5.01
0.54%
-0.26%
Q2 / 2020
5.18
-1.65%
6.07%
Oct / 2020
10.94
1.65%
6.94%
Sep / 2020
39.94
2.32%
7.52%
Q3 / 2020
317.78
1.00%
5.03%
Oct / 2020
184.64
2.19%
9.04%
Jun / 2020
2081.37
6.39%
20.19%
Oct / 2020
1072.33
2.04%
5.05%
Aug / 2020
986.60
7.01%
28.21%
Sep / 2020
6.56
1.85%
5.68%
Sep / 2020
162.77
2.36%
-2.68%
Sep / 2020
1734.26
0.18%
2.86%
Oct / 2020
15.85
5.24%
17.70%
Sep / 2020
8244.01
0.76%
-7.30%
Oct / 2020
1.41
0.62%
5.18%
Sep / 2020
352.18
1.39%
2.63%
Sep / 2020
85.08
3.39%
15.57%
Sep / 2020
59.34
0.75%
-0.70%
Oct / 2020
524.23
0.35%
1.46%
Q4 / 2019
516.09
1.45%
2.99%
Sep / 2020
217.58
1.46%
4.97%
Aug / 2020
67.18
-1.80%
-24.78%
Aug / 2020
450.30
2.06%
-0.29%
Sep / 2020
3306.80
1.61%
4.86%
Oct / 2020
766.13
7.59%
8.85%
Oct / 2020
3.80
0.97%
2.60%
Oct / 2020
127.94
0.02%
-1.90%
Q2 / 2020
1492.92
-0.47%
27.82%
Sep / 2020
760.90
0.82%
3.00%
Sep / 2020
119.83
0.72%
1.38%
Oct / 2020
149.11
1.66%
5.08%
Oct / 2020
21343.80
5.58%
14.20%
Q2 / 2020
0.23
-1.42%
-22.96%
Aug / 2020
1575.80
5.10%
19.61%
Oct / 2020
1238.38
3.59%
12.95%
Sep / 2020
1.64
-3.53%
1.07%
Oct / 2020
257.24
1.09%
-2.06%
Oct / 2020
41.47
1.73%
6.43%
Oct / 2020
11.03
1.30%
0.68%
Sep / 2020
1760.61
1.49%
3.19%
Sep / 2020
1197099.90
2.51%
6.13%
Oct / 2020
686.05
-0.36%
-0.94%
Sep / 2020
2.11
0.10%
-0.19%
Sep / 2020
6.76
1.58%
4.72%
Oct / 2020
4394.88
1.37%
5.45%
Sep / 2020
827.21
0.83%
2.53%
Oct / 2020
14270.06
2.24%
8.19%
Jun / 2020
2.59
-6.88%
12.55%
Q3 / 2020
6814.01
4.74%
10.07%
Oct / 2020
12036.41
1.47%
4.28%
Aug / 2020
608.30
9.98%
13.45%
Jul / 2020
42.96
-0.24%
4.79%
Oct / 2020
771.31
6.45%
44.61%
Oct / 2020
3794.85
-0.66%
-1.70%
Sep / 2020
2784.86
4.63%
8.05%
Oct / 2020
209.93
-5.29%
-3.56%
Aug / 2020
326.40
0.71%
-1.90%
Oct / 2020
1467.50
0.80%
1.64%
Aug / 2020
33.42
0.68%
-4.67%
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