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Personal debt in Japan

Statistics report on personal debt in Japan

This report presents a range of statistics and facts on personal debt in Japan. It provides a general overview of household debt including chapters on housing and consumer loans, consumer insights, and multiple debts.

Table of contents

Overview

7
  • Premium Statistic Household debt as a share of GDP in Japan 2013-2022
  • Premium Statistic Household debt as a share of net disposable income in Japan 2014-2023
  • Premium Statistic Quarterly debt service ratio of households in Japan Q1 2018-Q3 2024
  • Premium Statistic Financial liabilities of households in Japan Q1 2024-Q2 2025
  • Premium Statistic Outstanding loans to households in Japan Q1 2019-Q2 2025, by type
  • Premium Statistic Amount of debt per adult in Japan 2013-2022
  • Premium Statistic Average of monthly loan repayments of working households in Japan 2015-2024, by type

Multi-person households

6
  • Premium Statistic Share of multi-person households with debt in Japan 2015-2024
  • Premium Statistic Liabilities as a share of the income of multi-person households in Japan 2015-2024
  • Premium Statistic Median debt of multi-person households in Japan 2015-2024
  • Premium Statistic Average liabilities of multi-person households in Japan 2015-2024
  • Premium Statistic Average liabilities of multi-person households in Japan 2015-2024, by type
  • Premium Statistic Liabilities of multi-person households in Japan 2015-2024, by age of household head

Working multi-person households

6
  • Premium Statistic Share of working multi-person households with liabilities in Japan 2015-2024
  • Premium Statistic Debt as a share of income of working multi-person households in Japan 2015-2024
  • Premium Statistic Median debt of working multi-person households in Japan 2015-2024
  • Premium Statistic Average debt of working multi-person households in Japan 2015-2024
  • Premium Statistic Average debt of working multi-person households in Japan 2015-2024, by type
  • Premium Statistic Average liabilities of working multi-person households in Japan 2024, by region

Housing loans

5
  • Premium Statistic Outstanding housing loans in Japan Q1 2018-Q2 2025, by lending institution
  • Premium Statistic Outstanding home loans in Japan in FY 2015-2024, by institution
  • Premium Statistic Outstanding home loan debt of working households in Japan 2014-2023
  • Premium Statistic Monthly home loan repayments of working households in Japan 2014-2023
  • Premium Statistic Ratio of working households' mortgage repayments to disposable income Japan 2014-2023

Consumer loans

6
  • Premium Statistic Outstanding consumer loans to households in Japan Q1 2018-Q2 2025
  • Premium Statistic Outstanding amount of purchases on credit in Japan 2015-2024
  • Premium Statistic Outstanding credit card balances Japan 2015-2024
  • Premium Statistic Outstanding amount of auto loans in Japan 2016-2024
  • Premium Statistic Outstanding loans from money lending companies to consumers in Japan 2015-2024
  • Premium Statistic Outstanding unsecured loans from money lending companies in Japan 2016-2024

Consumer insights

6
  • Premium Statistic Opinion on borrowing money in Japan 2024
  • Premium Statistic Reasons for borrowing money among multi-person households in Japan 2022
  • Premium Statistic Most common reasons for applying for loans from money lenders in Japan 2023
  • Premium Statistic Most common sources of debt repayment in Japan 2023
  • Premium Statistic Impact of the COVID-19 pandemic on borrowing behavior in Japan 2022
  • Premium Statistic Age and gender breakdown of consumers with outstanding unsecured loans in Japan 2024

Multiple debt

6
  • Premium Statistic Number of consumer affairs consultations on multiple debt in Japan FY 2014-2023
  • Premium Statistic Gender distribution of consumers counseled on multiple debt in Japan FY 2019-2022
  • Premium Statistic Age distribution of consumers counseled on multiple debt in Japan FY 2022
  • Premium Statistic Common reason for debt among consumers counseled on multiple-debt in Japan 2022
  • Premium Statistic Number of personal bankruptcy cases filed in Japan 2015-2024
  • Premium Statistic Number personal debt restructuring petitions filed in Japan 2013-2022
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