Lending to households as share of GDP in selected territories worldwide 2023

In 2022, the value of the lending to households in Switzerland as a share of its gross domestic product (GDP) was higher than in any of the countries selected here. Australian, Canadian, and South Korean households had an amount of credit which was higher than the overall size of their economy. That year, household lending in Argentina amounted to 4 percent of its GDP, which was the lowest figure in the ranking. What is the household debt? Household debt, also known as family debt, includes loans taken to pay for the home or other property, education, vehicles, and other expenses. The largest component of this is mortgage debt, which is seen by many as a way to build long-term equity. As such, households are willing to take on a large amount of this debt with the goal of owning an asset that holds value and can be used as a residence in the meantime. The cost of debt The cost of a loan depends on a number of factors such as the interest rate, borrower’s credit risk or time period of a loan. The value of mortgage and the rate of return on assets such as real estate also depend largely on geographic location. The highest borrowers in this statistic are likely living in countries where credit is affordable and expected returns are relatively high, incentivizing heavy borrowing.

在2022年，瑞士家庭贷款占其国内生产总值（GDP）的比例高于所选任何国家。澳大利亚、加拿大和韩国的家庭信贷总额超过了其经济规模的总体水平。当年，阿根廷的家庭贷款仅占其GDP的4%，在排名中为最低。何谓家庭债务？家庭债务，亦称家庭负债，包括为支付住宅或其他财产、教育、车辆及其他开销所借的贷款。其中最大组成部分为抵押贷款，许多人士将其视为积累长期权益的一种方式。因此，家庭愿意承担大量此类债务，以期拥有一个具有保值功能且可暂作居住资产的财产。债务成本贷款的成本取决于诸多因素，如利率、借款人的信用风险或贷款期限。抵押贷款的价值以及房地产等资产回报率亦在很大程度上取决于地理位置。在此统计数据中，负债最高的借款者很可能居住在信贷可负担且预期回报相对较高的国家，这激励了大量的借贷行为。