Household debt service payments as a share of disposable income in the U.S. 2011-2023

In 2023, the debt services payments to disposable income ratio in the United States has remained relatively stable. That came after a sharp drop of the ratio in 2021 and 2022, which was followed by a rapid increase of the debt service payments, as they represented over 9.8 percent of their personal disposable income in the last quarter of 2023. In this context, debt service refers to the amount of money that households need to pay up their debts, including the interest rates of their loans and lending.

于2023年，美国个人可支配收入中的债务偿还支付比率保持了相对稳定的状态。这一现象继2021年和2022年该比率急剧下降之后出现，随后债务偿还支付迅速增长，至2023年最后一个季度，债务偿还支付已占其个人可支配收入的9.8%以上。在此语境下，债务偿还指的是家庭为偿还债务所需支付的资金，包括贷款和借贷的利率。