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Published: 27 June 2012

Average debt per household-dwelling unit EUR 69,450

On average, household-dwelling units' debts per indebted household-dwelling units' amounted to EUR 69,450 and housing loans per household-dwelling unit with housing loan to EUR 89,350. Nearly 60 per cent of household-dwelling units had debts and one in three of them had a housing loan. From 2002, average housing loans have grown in real terms by 74 per cent, while all debts have grown 70 percent. In 2011 the average housing loans of household-dwelling units with housing loans increased by one per cent in real terms.

Total loans per household-dwelling unit with a loan 2002–2011 at 2011 prices

Total loans per household-dwelling unit with a loan 2002–2011 at 2011 prices

Households-dwelling units in the 35 to 44 age group had the largest debts: EUR 103,700 per indebted household-dwelling unit. However, slightly younger household-dwelling units of those aged 25 to 34 had the biggest housing loans. The housing loans of household-dwelling units in that age group were EUR 118,850 per household-dwelling unit with housing loan.

Slightly over one quarter of indebted household-dwelling had debts of at least EUR 100,000. In all, 397,870 household-dwelling units were that much in debt. The number of such household-dwelling units was 23,530 higher than one year previously. A total of 111,930 household-dwelling units had debts of at least EUR 200,000, being seven per cent of all indebted household-dwelling units. Their number grew by 12,410 household-dwelling units from the previous year.

Household-dwelling units in Uusimaa and Åland had the largest debt per indebted household-dwelling unit, amounting to EUR 77,560 in Uusimaa and EUR 87,310 in Åland. Debts were smallest in Kainuu and Lapland, or just over EUR 50,000 per indebted household-dwelling unit.

Last year, the total number of indebted households was 1,519,400 and number of household-dwelling units’ with housing loans 859 000. The number of indebted household-dwelling units was 18 per cent and the number of household-dwelling units’ with housing loans 30 per cent higher than in the year 2002.

Household-dwelling units’ outstanding debts amounted to EUR 105.5 billion, of which EUR 76.8 billion were housing loans. Household-dwelling units' other debts, such as loans for cars, free-time residences or general consumption, amounted to EUR 21.7 billion, accounting for one-fifth of all debts. Household-dwelling units' business debts totalled EUR 5.5 billion and their study loans EUR 1.5 billion. From the previous year, total debts went up by 2.0 per cent in real terms and housing loans by 2.7 per cent.

Household-dwelling units' interest expenses totalled EUR 2.7 billion in 2011. They increased by 14 per cent from the year before, while in both of the two previous years they contracted by around 30 per cent.

Source: Indebtedness 2011. Statistics Finland

Inquiries: Timo Matala 09 1734 3422

Director in charge: Riitta Harala


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Updated 27.6.2012

Referencing instructions:

Official Statistics of Finland (OSF): Indebtedness [e-publication].
ISSN=2489-3285. 2011. Helsinki: Statistics Finland [referred: 4.3.2024].
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