[tec00104] Gross debt-to-income ratio of households
Updated by provider on May 15, 2025 (9:00 PM).
Corresponds to liabilities of loans (F.4) divided by gross disposable income (adjusted for the net change in pension entitlements), expressed as a percentage.
[freq] Time frequency
[A] Annual
[unit] Unit of measure
[PC] Percentage
[sector] Sector
[S14_S15] Households; non-profit institutions serving households
[na_item] National accounts indicator (ESA 2010)
[DIR_S14_S15] Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net)
[geo] Geopolitical entity (reporting)
[AT] Austria
[BE] Belgium
[BG] Bulgaria
[CH] Switzerland
[CY] Cyprus
[CZ] Czechia
[DE] Germany
[DK] Denmark
[EE] Estonia
[EL] Greece
[ES] Spain
[FI] Finland
[FR] France
[HR] Croatia
[HU] Hungary
[IE] Ireland
[IS] Iceland
[IT] Italy
[LT] Lithuania
[LU] Luxembourg
[LV] Latvia
[MT] Malta
[NL] Netherlands
[NO] Norway
[PL] Poland
[PT] Portugal
[RO] Romania
[SE] Sweden
[SI] Slovenia
[SK] Slovakia
[TR] Türkiye
[UK] United Kingdom
Search filters
Time frequency [freq] (1)
Unit of measure [unit] (1)
Sector [sector] (1)
National accounts indicator (ESA 2010) [na_item] (1)
Geopolitical entity (reporting) [geo] (32)
This dataset has 32 series:
[A.PC.S14_S15.DIR_S14_S15.AT] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Austria
- from
- 2013=84.61
- to
- 2023=73.66
- min:
- 73.66
- max:
- 86.08
- avg:
- 83.425
- σ:
- 3.401
[A.PC.S14_S15.DIR_S14_S15.BE] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Belgium
- from
- 2013=92.28
- to
- 2023=95.93
- min:
- 92.28
- max:
- 105.31
- avg:
- 100.037
- σ:
- 3.794
[A.PC.S14_S15.DIR_S14_S15.BG] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Bulgaria
- from
- 2013=40.21
- to
- 2022=41.24
- min:
- 37.36
- max:
- 43.24
- avg:
- 39.725
- σ:
- 1.911
[A.PC.S14_S15.DIR_S14_S15.CH] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Switzerland
- from
- 2013=170.74
- to
- 2023=192.85
- min:
- 170.74
- max:
- 195.78
- avg:
- 186.448
- σ:
- 8.064
[A.PC.S14_S15.DIR_S14_S15.CY] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Cyprus
- from
- 2013=189.87
- to
- 2023=97.14
- min:
- 97.14
- max:
- 193.12
- avg:
- 147.321
- σ:
- 33.466
[A.PC.S14_S15.DIR_S14_S15.CZ] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Czechia
- from
- 2013=55.16
- to
- 2023=52.94
- min:
- 52.94
- max:
- 57.7
- avg:
- 55.758
- σ:
- 1.586
[A.PC.S14_S15.DIR_S14_S15.DE] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Germany
- from
- 2013=83.25
- to
- 2023=78.16
- min:
- 78.16
- max:
- 86.16
- avg:
- 82.165
- σ:
- 2.044
[A.PC.S14_S15.DIR_S14_S15.DK] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Denmark
- from
- 2013=243.66
- to
- 2023=172.07
- min:
- 172.07
- max:
- 254.62
- avg:
- 215.021
- σ:
- 23.933
[A.PC.S14_S15.DIR_S14_S15.EE] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Estonia
- from
- 2013=70.78
- to
- 2023=66.52
- min:
- 65.75
- max:
- 70.78
- avg:
- 68.241
- σ:
- 1.479
[A.PC.S14_S15.DIR_S14_S15.EL] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Greece
- from
- 2013=101.62
- to
- 2023=60.65
- min:
- 60.65
- max:
- 101.62
- avg:
- 84.505
- σ:
- 11.981
| Series code | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| [A.PC.S14_S15.DIR_S14_S15.AT] | 84.61 | 84.75 | 85.46 | 84.86 | 84.04 | 83.34 | 84.15 | 86.08 | 86.06 | 80.67 | 73.66 |
| [A.PC.S14_S15.DIR_S14_S15.BE] | 92.28 | 96.5 | 98.97 | 99.77 | 100.7 | 101.17 | 103.06 | 105.21 | 105.31 | 101.51 | 95.93 |
| [A.PC.S14_S15.DIR_S14_S15.BG] | 40.21 | 40.14 | 38.01 | 37.98 | 37.72 | 37.36 | 39.25 | 42.1 | 43.24 | 41.24 | - |
| [A.PC.S14_S15.DIR_S14_S15.CH] | 170.74 | 174.48 | 179.38 | 182.95 | 187.27 | 190.3 | 189.93 | 192.15 | 195.1 | 195.78 | 192.85 |
| [A.PC.S14_S15.DIR_S14_S15.CY] | 189.87 | 193.12 | 186.56 | 174.51 | 159.37 | 142.78 | 127.81 | 125.17 | 119.04 | 105.16 | 97.14 |
| [A.PC.S14_S15.DIR_S14_S15.CZ] | 55.16 | 53.77 | 55.44 | 57.11 | 56.96 | 56.67 | 56.54 | 57.36 | 57.7 | 53.69 | 52.94 |
| [A.PC.S14_S15.DIR_S14_S15.DE] | 83.25 | 82.15 | 81.52 | 81.53 | 81.36 | 80.24 | 81.84 | 84.83 | 86.16 | 82.78 | 78.16 |
| [A.PC.S14_S15.DIR_S14_S15.DK] | 243.66 | 254.62 | 229.25 | 224.9 | 218.34 | 211.96 | 213.12 | 216.49 | 206.69 | 174.13 | 172.07 |
| [A.PC.S14_S15.DIR_S14_S15.EE] | 70.78 | 69.61 | 68.38 | 69.13 | 69.22 | 65.75 | 66.36 | 68.29 | 69.1 | 67.51 | 66.52 |
| [A.PC.S14_S15.DIR_S14_S15.EL] | 101.62 | 95.86 | 94.35 | 92.06 | 87.17 | 90.38 | 81.88 | 82.35 | 76.55 | 66.68 | 60.65 |
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Search filters
Time frequency [freq] (1)
Unit of measure [unit] (1)
Sector [sector] (1)
National accounts indicator (ESA 2010) [na_item] (1)
Geopolitical entity (reporting) [geo] (32)
This dataset has 32 series:
[A.PC.S14_S15.DIR_S14_S15.AT] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Austria
- from
- 2013=84.61
- to
- 2023=73.66
- min:
- 73.66
- max:
- 86.08
- avg:
- 83.425
- σ:
- 3.401
[A.PC.S14_S15.DIR_S14_S15.BE] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Belgium
- from
- 2013=92.28
- to
- 2023=95.93
- min:
- 92.28
- max:
- 105.31
- avg:
- 100.037
- σ:
- 3.794
[A.PC.S14_S15.DIR_S14_S15.BG] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Bulgaria
- from
- 2013=40.21
- to
- 2022=41.24
- min:
- 37.36
- max:
- 43.24
- avg:
- 39.725
- σ:
- 1.911
[A.PC.S14_S15.DIR_S14_S15.CH] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Switzerland
- from
- 2013=170.74
- to
- 2023=192.85
- min:
- 170.74
- max:
- 195.78
- avg:
- 186.448
- σ:
- 8.064
[A.PC.S14_S15.DIR_S14_S15.CY] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Cyprus
- from
- 2013=189.87
- to
- 2023=97.14
- min:
- 97.14
- max:
- 193.12
- avg:
- 147.321
- σ:
- 33.466
[A.PC.S14_S15.DIR_S14_S15.CZ] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Czechia
- from
- 2013=55.16
- to
- 2023=52.94
- min:
- 52.94
- max:
- 57.7
- avg:
- 55.758
- σ:
- 1.586
[A.PC.S14_S15.DIR_S14_S15.DE] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Germany
- from
- 2013=83.25
- to
- 2023=78.16
- min:
- 78.16
- max:
- 86.16
- avg:
- 82.165
- σ:
- 2.044
[A.PC.S14_S15.DIR_S14_S15.DK] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Denmark
- from
- 2013=243.66
- to
- 2023=172.07
- min:
- 172.07
- max:
- 254.62
- avg:
- 215.021
- σ:
- 23.933
[A.PC.S14_S15.DIR_S14_S15.EE] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Estonia
- from
- 2013=70.78
- to
- 2023=66.52
- min:
- 65.75
- max:
- 70.78
- avg:
- 68.241
- σ:
- 1.479
[A.PC.S14_S15.DIR_S14_S15.EL] Annual – Percentage – Households; non-profit institutions serving households – Gross debt-to-income ratio of households: (AF4, liab)/(B6G+D8net) – Greece
- from
- 2013=101.62
- to
- 2023=60.65
- min:
- 60.65
- max:
- 101.62
- avg:
- 84.505
- σ:
- 11.981
| Series code | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| [A.PC.S14_S15.DIR_S14_S15.AT] | 84.61 | 84.75 | 85.46 | 84.86 | 84.04 | 83.34 | 84.15 | 86.08 | 86.06 | 80.67 | 73.66 |
| [A.PC.S14_S15.DIR_S14_S15.BE] | 92.28 | 96.5 | 98.97 | 99.77 | 100.7 | 101.17 | 103.06 | 105.21 | 105.31 | 101.51 | 95.93 |
| [A.PC.S14_S15.DIR_S14_S15.BG] | 40.21 | 40.14 | 38.01 | 37.98 | 37.72 | 37.36 | 39.25 | 42.1 | 43.24 | 41.24 | - |
| [A.PC.S14_S15.DIR_S14_S15.CH] | 170.74 | 174.48 | 179.38 | 182.95 | 187.27 | 190.3 | 189.93 | 192.15 | 195.1 | 195.78 | 192.85 |
| [A.PC.S14_S15.DIR_S14_S15.CY] | 189.87 | 193.12 | 186.56 | 174.51 | 159.37 | 142.78 | 127.81 | 125.17 | 119.04 | 105.16 | 97.14 |
| [A.PC.S14_S15.DIR_S14_S15.CZ] | 55.16 | 53.77 | 55.44 | 57.11 | 56.96 | 56.67 | 56.54 | 57.36 | 57.7 | 53.69 | 52.94 |
| [A.PC.S14_S15.DIR_S14_S15.DE] | 83.25 | 82.15 | 81.52 | 81.53 | 81.36 | 80.24 | 81.84 | 84.83 | 86.16 | 82.78 | 78.16 |
| [A.PC.S14_S15.DIR_S14_S15.DK] | 243.66 | 254.62 | 229.25 | 224.9 | 218.34 | 211.96 | 213.12 | 216.49 | 206.69 | 174.13 | 172.07 |
| [A.PC.S14_S15.DIR_S14_S15.EE] | 70.78 | 69.61 | 68.38 | 69.13 | 69.22 | 65.75 | 66.36 | 68.29 | 69.1 | 67.51 | 66.52 |
| [A.PC.S14_S15.DIR_S14_S15.EL] | 101.62 | 95.86 | 94.35 | 92.06 | 87.17 | 90.38 | 81.88 | 82.35 | 76.55 | 66.68 | 60.65 |
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