Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q1 2025 about disposable, payments, personal income, debt, percent, households, personal, income, services, and USA.

As of October 2024, the United States government has a monthly interest rate of *** percent on its debt, continuing an upward trend in interest rates that began at the beginning of 2022. In April 2024, U.S. debt reached ***** trillion U.S. dollars.

Graph and download economic data for Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) from Q1 1980 to Q1 2025 about disposable, payments, mortgage, debt, personal income, percent, personal, services, income, and USA.

Key information about Russia Household Debt

• Russia Household Debt reached 395.3 USD bn in Jan 2025, compared with the reported number of 382.7 USD bn in the previous month
• Russia Household Debt: USD mn data is updated monthly, available from Dec 2000 to Jan 2025
• The data reached an all-time high of 525.1 USD bn in Jun 2022 and a record low of 1.7 USD bn in Dec 2000

CEIC converts monthly Household Debt into USD. The Bank of Russia provides Household Debt in local currency based on MFSM 2016. The Bank of Russia period end market exchange rate is used for currency conversions. Loans are used due to the lack of Flow of Funds statistics. Household Debt prior to December 2014 is based on MFSM 2000.


Further information about Russia Household Debt

• In the latest reports, Russia Household Debt accounted for 20.4 % of the country's Nominal GDP in Mar 2024
• Money Supply M2 in Russia increased 1,189.6 USD bn YoY in Jan 2025
• Russia Foreign Exchange Reserves was measured at 386.4 USD bn in Jan 2025
• The Foreign Exchange Reserves equaled 14.9 Months of Import in Oct 2024
• Russia Domestic Credit reached 1,404.0 USD bn in Dec 2024, representing an increased of 19.6 % YoY

Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

Consulted persons (shared values), average debt: Germany, Years, Monthly net income, Socio-economic characteristics

Debt service ratios, interest and obligated principal payments on debt, and related statistics for households, Canada.

Consulted persons (shared values), average debt: Germany, Years, Monthly Net Income of the Advised Person, Socio-Economic Characteristics

This dataset shows the average interest rates for U.S. Treasury securities for the most recent month compared with the same month of the previous year. The data is broken down by the various marketable and non-marketable securities. The summary page for the data provides links for monthly reports from 2001 through the current year. Average Interest Rates are calculated on the total unmatured interest-bearing debt. The average interest rates for total marketable, total non-marketable and total interest-bearing debt do not include the U.S. Treasury Inflation-Protected Securities.

Key information about China Household Debt

• China Household Debt reached 11,498.4 USD bn in Jan 2025, compared with the reported number of 11,347.6 USD bn in the previous month
• China Household Debt: USD mn data is updated monthly, available from Jan 2007 to Jan 2025
• The data reached an all-time high of 11,691.0 USD bn in Sep 2024 and a record low of 517.7 USD bn in Jan 2007

CEIC converts monthly Household Debt into USD. The People's Bank of China provides Household Debt in local currency. The Federal Reserve Board period end market exchange rate is used for currency conversions. Loans are used due to the lack of Flow of Funds statistics.


Further information about China Household Debt

• In the latest reports, China Household Debt accounted for 63.3 % of the country's Nominal GDP in Mar 2023
• Money Supply M2 in China increased 44,045.8 USD bn YoY in Sep 2024
• China Foreign Exchange Reserves was measured at 3,209.0 USD bn in Jan 2025
• The Foreign Exchange Reserves equaled 13.9 Months of Import in Dec 2024
• China Domestic Credit reached 49,338.1 USD bn in Jan 2025, representing an increased of 7.9 % YoY

Brazil Federal Public Debt: Monthly Average Cost: External: Securities: Global BRL data was reported at 10.161 % pa in Apr 2019. This records an increase from the previous number of 10.160 % pa for Mar 2019. Brazil Federal Public Debt: Monthly Average Cost: External: Securities: Global BRL data is updated monthly, averaging 10.812 % pa from Jan 2005 (Median) to Apr 2019, with 172 observations. The data reached an all-time high of 13.199 % pa in Sep 2006 and a record low of 0.000 % pa in Aug 2005. Brazil Federal Public Debt: Monthly Average Cost: External: Securities: Global BRL data remains active status in CEIC and is reported by National Treasury Secretariat. The data is categorized under Brazil Premium Database’s Government and Public Finance – Table BR.FC023: Federal Public Debt: Held by the Public: Monthly Average Cost. This data is part of the Monthly Report of Federal Public Debt from National Treasury. Displays information about emissions, redemptions, stock, maturity profile and average cost to the Federal Public Debt, including both the internal and external debts, responsibility of the National Treasury market.

Young people in the United Kingdom had on average a higher monthly debt from buy now, pay later services than older consumers. Consumers between 18 and 24 years old had the highest volume of debt from buy now, pay later (BNPL) in 2022. Meanwhile, the orders by BNPL users from 45 to 54 years of age amounted to *** British pounds on average.

The average credit card purchase value in the United Kingdom was over ** British pounds as of April 2025. This was slightly lower than in the same month of the previous year and lower than in January 2023, when it reached an all-time high, with each individual credit card transaction averaging **** British pounds. This contrasted with April 2020, when coronavirus measures caused the average credit card value to decline. However, the total credit card debt in the UK in April 2025 grew almost six percent year-on-year.

In 2024, liabilities for the purchase of home and land held by working households consisting of two or more persons in Japan amounted to around *** million Japanese yen. Monthly and ******************* accounted for the smallest share of liabilities held by multi-person households.

The dataset "Guaranteed debt of the City of Paris" presents the breakdown of the debt guaranteed by the Parisian collectivity. The debt guaranteed by the Paris authority mainly includes loans taken out by guarantee beneficiaries for social housing operations. The other guarantees relate mainly to development operations and guarantees for the benefit of associations." Column name | Description ---|--- Year of publication | Year of the Administrative Account for which the data were published Community | In accounting, the term "nature" means the account in the accounting nomenclature (account number - Heading), expenditure or revenue. Nature | lending bank in the case of a bank loan; bank or group of banks that organised the issue in the case of a bond issue Year of mobilisation | Date of collection by the City of Paris Depreciation profile. of the loan | End of life date of the loan Beneficiary designation | Amount originally subscribed. Purpose of the guaranteed loan | Since almost all of the City's loans are of the "in fine" type, the capital remaining due is generally equal to the nominal amount, i.e. the amount of the loan (except in the case of depreciation in the year) Lender or lead organisation | Indexed rates are rates adjusted periodically according to market values Initial amount | The borrowings of the City of Paris are indexed to different interest rates: EURIBOR (Euro area interbank rate), TAG (Annual rolling rate) and T4M (Monthly average rate of the Monetary Market), TAG and T4M being derived from EONIA (day-to-day rate) Capital outstanding at 31/12 of the year of publication | Rate paid for the first instalment Residual period | Rate calculated over the term of the loan Periodicity of repayments | Method of amortization of the loan: almost all of the City's loans are of the "in fine" type, i.e. fully repaid on the last day of the contract Initial rate - Rate | Possibility left contractually to the City to get out of the loan by repaying it in advance Initial rate - Index | Index type (e.g. 3-month EURIBOR, DELIVERY A ...) Initial rate - Actuarial rate | Rate calculated over the term of the loan Rate on the date of the vote on the budget or average rate recorded over the year - Rate | Rates after any hedging operations. Type of interest rate: F: fixed; V: simple variable; C: complex variable Rate on the date of the vote on the budget or average rate recorded over the year - Index | Rates after any hedging operations. Index type (e.g. 3-month EURIBOR, etc.) Rate on the date of the vote on the budget or average rate recorded over the year - Rate level | Rates after any hedging operations. For variable rate borrowings, level at the date of vote of the budget. Guaranteed annuity during the year - Interest | Interest paid by the beneficiary organisation during the financial year for the guaranteed loan Guaranteed annuity during the year - Capital | Capital repaid by the beneficiary organisation during the financial year for the guaranteed loan **Codification of ** Amortization profile of the loan:**** Acronyms have followed the evolution of regulatory publishing CA 2014 to CA 2018: C constant depreciation, P progressive depreciation, F in fine, X others (please specify). CA 2012 to CA 2013 C constant annual depreciation, P progressive annual depreciation, F in fine, S half-yearly, M monthly, X others to be specified. CA 2007 to CA 2011 C constant annual depreciation, P progressive annual depreciation, F in fine, S half-yearly, Q quarterly, M monthly, X other (DCC loans with deferred interest or compensating interest).

Brazil Federal Public Debt: Monthly Average Cost: Domestic data was reported at 10.326 % pa in Apr 2019. This records a decrease from the previous number of 10.834 % pa for Mar 2019. Brazil Federal Public Debt: Monthly Average Cost: Domestic data is updated monthly, averaging 12.115 % pa from Jan 2005 (Median) to Apr 2019, with 172 observations. The data reached an all-time high of 19.250 % pa in Mar 2005 and a record low of 7.433 % pa in Dec 2018. Brazil Federal Public Debt: Monthly Average Cost: Domestic data remains active status in CEIC and is reported by National Treasury Secretariat. The data is categorized under Brazil Premium Database’s Government and Public Finance – Table BR.FC023: Federal Public Debt: Held by the Public: Monthly Average Cost. This data is part of the Monthly Report of Federal Public Debt from National Treasury. Displays information about emissions, redemptions, stock, maturity profile and average cost to the Federal Public Debt, including both the internal and external debts, responsibility of the National Treasury market.

Brazil Federal Public Debt: Monthly Average Cost: Domestic: National Treasury Notes Series F data was reported at 11.764 % pa in Apr 2019. This records a decrease from the previous number of 11.792 % pa for Mar 2019. Brazil Federal Public Debt: Monthly Average Cost: Domestic: National Treasury Notes Series F data is updated monthly, averaging 12.295 % pa from Jan 2005 (Median) to Apr 2019, with 172 observations. The data reached an all-time high of 17.382 % pa in Jun 2005 and a record low of 11.558 % pa in Feb 2014. Brazil Federal Public Debt: Monthly Average Cost: Domestic: National Treasury Notes Series F data remains active status in CEIC and is reported by National Treasury Secretariat. The data is categorized under Brazil Premium Database’s Government and Public Finance – Table BR.FC023: Federal Public Debt: Held by the Public: Monthly Average Cost. This data is part of the Monthly Report of Federal Public Debt from National Treasury. Displays information about emissions, redemptions, stock, maturity profile and average cost to the Federal Public Debt, including both the internal and external debts, responsibility of the National Treasury market.

📖 Dataset Overview

This dataset is designed for financial risk assessment and loan default prediction using machine learning techniques. It includes 300 records, each representing an individual with financial attributes that influence the likelihood of loan default.

📊 Features & Data Structure

The dataset contains the following columns:

Column Name	Type	Description
Retirement_Age	float	Age at which the individual retires (left-skewed distribution).
Debt_Amount	float	Total debt held by the individual in dollars (right-skewed distribution).
Monthly_Savings	float	Average monthly savings in dollars (normally distributed).
Loan_Default_Risk	int (0/1)	Target variable: 1 = Default, 0 = No Default.

• Highly Left-Skewed Column: Retirement Age – Most people retire at older ages, with fewer early retirees.
• Highly Right-Skewed Column: Debt Amount – Most people have low debt, but a few have very high debt.
• Totally Symmetric Column: Monthly Savings – Normally distributed around an average.

📌 Data Generation & Logic

The dataset was synthetically created using statistical distributions that mimic real-world financial behavior:

🔹 Retirement Age (Left-Skewed): Generated using a transformed normal distribution to ensure most values are high (60-85).
🔹 Debt Amount (Right-Skewed): Generated using a log-normal distribution, where most people have low debt, but a few have very high debt.
🔹 Monthly Savings (Symmetric): Normally distributed with mean $2000$ and standard deviation $500$, clipped between $500-$5000.
🔹 Loan Default Risk (Target Variable): Computed using a logistic function, where:
- Lower retirement age ⬆ default risk
- Higher debt ⬆ default risk
- Higher savings ⬇ default risk
- The probability threshold was adjusted to balance 0s and 1s.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-07-30 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

Brazil Federal Public Debt: Cumulative 12 Months Average Cost: Domestic data was reported at 9.449 % pa in Apr 2019. This records an increase from the previous number of 9.355 % pa for Mar 2019. Brazil Federal Public Debt: Cumulative 12 Months Average Cost: Domestic data is updated monthly, averaging 12.155 % pa from Dec 2005 (Median) to Apr 2019, with 161 observations. The data reached an all-time high of 17.060 % pa in Jan 2006 and a record low of 9.254 % pa in Jan 2019. Brazil Federal Public Debt: Cumulative 12 Months Average Cost: Domestic data remains active status in CEIC and is reported by National Treasury Secretariat. The data is categorized under Brazil Premium Database’s Government and Public Finance – Table BR.FC024: Federal Public Debt: Held by the Public: Cumulative 12 Months Average Cost. This data is part of the Monthly Report of Federal Public Debt from National Treasury. Displays information about emissions, redemptions, stock, maturity profile and average cost to the Federal Public Debt, including both the internal and external debts, responsibility of the National Treasury market.