Households' indebtedness 

Updated: 13.7.2017 - Next update: 31.1.2018
Households' indebtedness ratio grew further and stood at 126.4 per cent at the end of 2016, which was 2.2 percentage points higher than one year earlier. The indebtedness ratio expresses the ratio between the loans and annual disposable net income in accordance with financial accounts.

Statistics Finland / Annual national accounts

Description of indicator

Household's rate of indebtedness means the ratio of debts to household's disposable income.

Disposable income is arrived at when current transfers paid are deducted from gross income. The household's current transfers paid are mainly formed of direct taxes and social security contributions. In addition, current transfers paid include compulsory pension and unemployment insurance premiums and child maintenance support paid.

A household is formed of all those persons who live together and have meals together or otherwise use their income together.