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.

Reconciliation between the different aggregate measures of household borrowing produced by the Bank of Canada and Statistics Canada (National Balance Sheet Accounts), by loan instrument, on a quarterly basis.

United States US: Domestic Credit: Provided by Financial Sector: % of GDP data was reported at 241.891 % in 2016. This records an increase from the previous number of 235.955 % for 2015. United States US: Domestic Credit: Provided by Financial Sector: % of GDP data is updated yearly, averaging 145.154 % from Dec 1960 (Median) to 2016, with 57 observations. The data reached an all-time high of 250.601 % in 2014 and a record low of 101.084 % in 1960. United States US: Domestic Credit: Provided by Financial Sector: % of GDP data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Bank Loans. Domestic credit provided by the financial sector includes all credit to various sectors on a gross basis, with the exception of credit to the central government, which is net. The financial sector includes monetary authorities and deposit money banks, as well as other financial corporations where data are available (including corporations that do not accept transferable deposits but do incur such liabilities as time and savings deposits). Examples of other financial corporations are finance and leasing companies, money lenders, insurance corporations, pension funds, and foreign exchange companies.; ; International Monetary Fund, International Financial Statistics and data files, and World Bank and OECD GDP estimates.; Weighted average;

This statistic shows the share of households having credits taken out from a bank or a credit institution in France between 2009 and 2019. Over the period studied, the share of households with credits coming from a banking institution decreased by nearly 1.5 percent, from 20.4 percent in 2009 to 19 percent in 2019.

Key information about Kazakhstan Domestic Credit

• Kazakhstan Domestic Credit reached 98.9 USD bn in Feb 2025, compared with a reported figure of 95.2 USD bn in the previous month
• Kazakhstan Domestic Credit data is updated monthly
• It is available from Dec 2001 to Feb 2025 and averaged 62.4 USD bn
• The data reached an all-time high of 99.0 USD bn in Sep 2024 and a record low of 3.6 USD bn in Feb 2002

CEIC calculates monthly Domestic Credit as the sum of Net Claims to the Central Government and Claims to Other Resident Institutional sectors and converts it into USD. The National Bank of Kazakhstan provides Domestic Credit in local currency. The National Bank of Kazakhstan period end market exchange rate is used for currency conversions. Domestic Credit excludes Interbank Claims.


Further information about Kazakhstan Domestic Credit

• In the latest reports, Kazakhstan Domestic Credit represented an increased of 15.9 % YoY in Feb 2025
• Money Supply M2 in Kazakhstan increased to 71.4 USD bn YoY in Nov 2024
• Kazakhstan Foreign Exchange Reserves was measured at 19.2 USD bn in Jan 2025
• The Foreign Exchange Reserves equaled 3.2 Months of Import in Dec 2024
• The country's Non Performing Loans Ratio stood at 3.2 % in Jan 2025, compared with the ratio of 3.0 % in the previous month
• Household Debt of Kazakhstan reached 15.3 % in Dec 2023, accounting for 15.3 % of the country's Nominal GDP

This table contains 14 series, with data starting from 1969 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...), Type of credit (7 items: Total business and household credit; Consumer credit; Household credit; Residential mortgage credit ...), Seasonal adjustment (2 items: Unadjusted; Seasonally adjusted ...).

Graph and download economic data for Total Credit to Households and Non-Profit Institutions Serving Households, Adjusted for Breaks, for United States (QUSHAM770A) from Q4 1947 to Q4 2024 about adjusted, credits, households, and USA.

The value of loans In the Euro Area increased 2 percent in May of 2025 over the same month in the previous year. This dataset provides the latest reported value for - Euro Area Private Credit Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Concept: Value of new credit operations started in the reference period, with interest rates established under market conditions. Excludes operations with regulated rates, operations with funds from the National Bank for Economic and Social Development (BNDES) or any operations with government funds or funds with mandatory destination. Source: Central Bank of Brazil – Statistics Department 20682-nonearmarked-new-operations---households---credit-card-total 20682-nonearmarked-new-operations---households---credit-card-total

Domestic credit to private sector by banks (% of GDP) in Japan was reported at 123 % in 2023, according to the World Bank collection of development indicators, compiled from officially recognized sources. Japan - Domestic credit to private sector by banks (% of GDP) - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Over half of Bank of China's customer loans and advances were provided to businesses as of December 2023. That year, corporate loans reached more than 13 trillion yuan. Meanwhile, mortgages in the portfolio of the Chinese bank were valued at 4.8 trillion yuan. Those figures have been increasing a lot in the past years.

Key information about Indonesia Domestic Credit

• Indonesia Domestic Credit reached 544.4 USD bn in Jan 2025, compared with a reported figure of 553.7 USD bn in the previous month
• Indonesia Domestic Credit data is updated monthly
• It is available from Jan 2004 to Jan 2025 and averaged 340.6 USD bn
• The data reached an all-time high of 579.9 USD bn in Sep 2024 and a record low of 110.6 USD bn in May 2004

CEIC converts monthly Domestic Credit into USD. Bank Indonesia provides Domestic Credit in local currency. Bank Indonesia period end market exchange rate is used for currency conversions.


Further information about Indonesia Domestic Credit

• In the latest reports, Indonesia Domestic Credit represented an increased of 6.6 % YoY in Jan 2025
• Money Supply M2 in Indonesia increased to 567.9 USD bn YoY in Jan 2025
• Indonesia Foreign Exchange Reserves was measured at 140.7 USD bn in Jan 2025
• The Foreign Exchange Reserves equaled 7.8 Months of Import in Jan 2025
• The country's Non Performing Loans Ratio stood at 2.5 % in Apr 2023, compared with the ratio of 2.5 % in the previous month
• Household Debt of Indonesia reached 10.0 % in Dec 2024, accounting for 10.0 % of the country's Nominal GDP

Domestic credit to private sector by banks (% of GDP) in Thailand was reported at 119 % in 2023, according to the World Bank collection of development indicators, compiled from officially recognized sources. Thailand - Domestic credit to private sector by banks (% of GDP) - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Canada Household Credit: Consumer: Non-Banks data was reported at 84,564.000 CAD mn in May 2018. This records an increase from the previous number of 84,170.000 CAD mn for Apr 2018. Canada Household Credit: Consumer: Non-Banks data is updated monthly, averaging 37,252.000 CAD mn from Dec 1972 (Median) to May 2018, with 546 observations. The data reached an all-time high of 84,564.000 CAD mn in May 2018 and a record low of 6,346.000 CAD mn in Dec 1972. Canada Household Credit: Consumer: Non-Banks data remains active status in CEIC and is reported by Bank of Canada. The data is categorized under Global Database’s Canada – Table CA.KA003: Business and Household Credit.

Concept: Outstanding balance of credit operations portfolio in the end of a period, with interest rates established under market conditions. Excludes operations with regulated rates, operations with funds from the National Bank for Economic and Social Development (BNDES) or any operations with government funds or funds with mandatory destination. Source: Central Bank of Brazil – Statistics Department 20587-nonearmarked-credit-operations-outstanding---households---credit-card-revolving-credit 20587-nonearmarked-credit-operations-outstanding---households---credit-card-revolving-credit

Croatia HR: Domestic Credit: to Private Sector by Banks: % of GDP data was reported at 47.104 % in 2023. This records a decrease from the previous number of 50.529 % for 2022. Croatia HR: Domestic Credit: to Private Sector by Banks: % of GDP data is updated yearly, averaging 57.477 % from Dec 2012 (Median) to 2023, with 12 observations. The data reached an all-time high of 69.223 % in 2012 and a record low of 47.104 % in 2023. Croatia HR: Domestic Credit: to Private Sector by Banks: % of GDP data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Croatia – Table HR.World Bank.WDI: Bank Loans. Domestic credit to private sector by banks refers to financial resources provided to the private sector by other depository corporations (deposit taking corporations except central banks), such as through loans, purchases of nonequity securities, and trade credits and other accounts receivable, that establish a claim for repayment. For some countries these claims include credit to public enterprises.;International Monetary Fund, International Financial Statistics and data files, and World Bank and OECD GDP estimates.;Weighted average;

Reconciliation between the different aggregate measures of household borrowing produced by the Bank of Canada and Statistics Canada (National Balance Sheet Accounts), by loan instrument, on a quarterly basis.

The aggregated value of mortgages in the European Union, Norway and Iceland was higher than any other type of household or business loans in 2021. As of December of that year, mortgages by European banks amounted to over four trillion euros. Meanwhile, all other loans to households amounted to 2.3 trillion euros. Meanwhile, the value of loans to small and medium enterprises was lower than loans to other types of non-financial corporations.

Banks in Poland have declared that a 600 thousand house loan co-funded by the government's 2% Safe Mortgage (Bezpieczny Kredyt 2%) program can be granted to a three-person family with an income of around eight to 11 thousand net zloty in 2023.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-06-25 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.