Household debt ratio in Poland 2022

According to the OECD, the household indebtedness ratio presents the total outstanding debt of households as a percentage of gross disposable income of households. The debt of households largely consists of loans (primarily home mortgage loans), but also other types of liabilities such as consumer credit (e.g. credit card, automobile loans). A ratio above 100 percent shows that the level of debt outstanding is larger than the annual flow of disposable income.

In Poland, the household indebtedness ratio to gross disposable income fluctuated in the observed period. As of the fourth quarter of 2022, the household indebtedness ratio was 47.32 percent.

Household indebtedness to gross disposable income ratio in Poland from 1st quarter 2007 to 4th quarter 2022

Characteristic	Household indebtedness to income ratio
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Release date

June 2023

More information

Region

Poland

Survey time period

Q1 2007 to Q4 2022

Supplementary notes

The source added the following information "The household indebtedness ratio presents the total outstanding debt of households as a percentage of gross disposable income of households. The debt of households largely consists of loans, primarily home mortgage loans, but also other types of liabilities such as consumer credit (e.g. credit card, automobile loans). An indebtedness ratio above (below) 100 percent indicates that the household debt outstanding is larger (smaller) than the annual flow of disposable income. It is clear that high household indebtedness ratios, as is true for high government debt ratios, may create a certain risk or vulnerability for households, especially when it is unevenly distributed across different groups of households. On the other hand however, one should also take into account the availability of assets, e.g. dwellings, for which the borrowing has been made." Source does not provide data for the second quarter 2019.

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