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Official Statistics of Finland


Producer: Statistics Finland

Latest release:
Average indebtedness ratio of household dwelling units with housing loans 227 percent
17 Dec 2021
Household-dwelling units with housing loans had, on average, 227 per cent of their disposable annual income in debts in 2020. Household-dwelling units with one adult and at least one child had the largest debts relative to their income, 267 per cent. One-person households had 262 per cent debt relative to disposable income. The indebtedness ratio of two-adult families with children was also higher than average, 243 per cent of income. In 2020, the indebtedness ratio of all household-dwelling units was 114 per cent. The indebtedness ratio was three percentage points higher than in 2019.

Description: Statistics on indebtedness describe the debts of private persons and household-dwelling units. The basic data for the statistics have been drawn from the Tax Administration�s database and combined with the data from total statistics on income distribution. The Tax Administration receives data on credits and interest by type of loan from the annual declarations of financial corporations and other credit providers. The total data on income distribution consists of register data covering the whole population. All of its data are collected from administrative registers. The register data are combined on the basis of the personal identity codes. The statistics on indebtedness are published only on the Internet. The released statistics describe the indebtedness of household-dwelling units and persons by gender, age, family type and area.
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Keywords: credit granting, credits, debts, household-dwelling units, households, housing loans, indebtedness, interest rates, loans, rate of indebtedness.
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Change: Publication of statistics on indebtedness postponed
11 Feb 2020
The statistical release on indebtedness describing rates of indebtedness is postponed.

Referencing instructions:

Official Statistics of Finland (OSF): Indebtedness [e-publication].
ISSN=2489-3285. Helsinki: Statistics Finland [referred: 25.6.2024].
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