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Household debt and loans in Europe

Statistics report on household debt and loans in Europe

This report provides insights into the debt and loans of European households. It opens with a general overview of these topics and some statistics showing which countries' households are the most indebted. Following this, the report has chapters on the different types of loans, mortgages, and information on consumer loans. Comparisons of selected major European countries demonstrates the evolution of these different types of debt.

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Table of contents

Overview

5
  • Premium Statistic Household debt-to-income ratio in euro area 2007–2025
  • Premium Statistic Household debt-to-income ratio in Europe 2nd quarter 2024, by country
  • Premium Statistic Outstanding household loans in the euro area 2015-2025, by type
  • Premium Statistic Composition of loans to households in the EU 2024, by country
  • Basic Statistic Household loans per capita in the euro area 2025, by country

Debt-to-income ratio

9
  • Premium Statistic Household debt to income ratio in the UK 2000-2026
  • Premium Statistic Household indebtedness to gross disposable income ratio in Germany 2007-2025
  • Premium Statistic Household indebtedness to gross disposable income ratio in France quarterly 2007-2025
  • Premium Statistic Household indebtedness to gross disposable income ratio in Spain quarterly 2007-2025
  • Premium Statistic Household debt as share of disposable income Italy 2007-2023
  • Premium Statistic Household debt to income ratio in the Netherlands 2007-2024
  • Premium Statistic Household indebtedness to gross disposable income ratio in Poland quarterly 2007-2025
  • Premium Statistic Household indebtedness to gross disposable income ratio in Sweden quarterly 2007-2025
  • Premium Statistic Household debt-to-income ratio in Switzerland 2012-2023

Types of debt

8
  • Basic Statistic Outstanding lending to households in the UK 2024-2025, by loan type
  • Basic Statistic Outstanding value of loans to households in Germany 2023-2024, by type
  • Basic Statistic Outstanding value of loans to households in France 2023-2024, by type
  • Basic Statistic Outstanding value of loans to households in Italy 2023-2024, by type
  • Basic Statistic Outstanding value of loans to households in Spain 2023-2024, by type
  • Basic Statistic Outstanding value of loans to households in the Netherlands 2023-2024, by loan type
  • Basic Statistic Outstanding value of loans to households in Poland 2023-2024, by loan type
  • Basic Statistic Outstanding value of loans to households in Sweden 2023-2024, by type

Mortgages

8
  • Basic Statistic Outstanding amounts of lending to individuals in the UK 2007-2024, by loan type
  • Premium Statistic Outstanding residential mortgage lending in Germany 2014-2025, by quarter
  • Premium Statistic Outstanding residential mortgage lending in France 2016-2025, by quarter
  • Premium Statistic Outstanding residential mortgage lending in Spain 2016-2025, by quarter
  • Premium Statistic Outstanding residential mortgage lending in Italy 2010-2025, by quarter
  • Basic Statistic Total mortgage debt from households Netherlands 2012-2025
  • Premium Statistic Outstanding residential mortgage lending in Poland 2015-2024
  • Premium Statistic Outstanding residential mortgage lending in Sweden 2016-2024, by quarter

Consumer loans

8
  • Basic Statistic Monthly outstanding consumer credit amounts in the UK 2006-2024, by type
  • Basic Statistic Outstanding value of consumer credit in Germany 2009-2025
  • Basic Statistic Outstanding value of consumer credit in France 2014-2024
  • Basic Statistic Outstanding value of consumer credit in Italy 2010-2024
  • Basic Statistic Outstanding value of consumer credit in Spain 2014-2024
  • Basic Statistic Outstanding value of consumer credit in the Netherlands 2014-2024
  • Basic Statistic Outstanding value of consumer credit in Poland 2004-2024
  • Basic Statistic Outstanding value of consumer credit in Sweden 2002-2024
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