Finland Household Debt: % of GDP
Key information about Finland Household Debt: % of GDP
- Finland household debt accounted for 72.7 % of the country's Nominal GDP in Dec 2025, compared with the ratio of 74.1 % in the previous year.
- Finland household debt to GDP ratio is updated yearly, available from Dec 1995 to Dec 2025.
- The data reached an all-time high of 82.4 % in Dec 2020 and a record low of 30.4 % in Dec 1998.
CEIC calculates annual Household Debt as % of Nominal GDP from annual Household Debt and annual Nominal GDP. Statistics Finland provides Household Debt in EUR and Nominal GDP in EUR.
Related information about Finland Household Debt: % of GDP
- In the latest reports, Finland Household Debt reached 239.4 USD bn in Dec 2025.
- Money Supply M2 in Finland increased 4.5 % YoY in Feb 2026.
- Finland Foreign Exchange Reserves was measured at 10.5 USD bn in Feb 2026.
- The Foreign Exchange Reserves equaled 1.4 Months of Import in Jan 2026.
- Finland Domestic Credit reached 0.0 USD mn in May 2025, representing an drop of 100.0 % YoY.
- The country's Non Performing Loans Ratio stood at 1.4 % in Sep 2025, compared with the ratio of 1.5 % in the previous quarter.
View Finland's Household Debt: % of GDP from 1995 to 2025 in the chart:
What was Finland's Household Debt: % of GDP in 2025?
Finland household debt accounted for 72.7 % of the country's Nominal GDP in Dec 2025, compared with the ratio of 74.1 % in the previous year. See the table below for more data.
| Last | Previous | Min | Max | Unit | Frequency | Range |
|---|---|---|---|---|---|---|
| 72.7 2025 | 74.1 2024 | 30.4 1998 | 82.4 2020 | % | yearly | 1995 - 2025 |
Household Debt: % of GDP by Country Comparison
| country/region | Last | Frequency | Range |
|---|---|---|---|
| Albania (%) | 14.1 Dec 2025 | quarterly | Sep 2007 - Dec 2025 |
| Argentina (%) | 6.7 Dec 2025 | quarterly | Dec 2004 - Dec 2025 |
| Armenia (%) | 33.0 Dec 2025 | quarterly | Dec 2000 - Dec 2025 |
| Australia (%) | 120.3 Jun 2025 | quarterly | Jun 1988 - Jun 2025 |
| Austria (%) | 42.2 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| Azerbaijan (%) | 14.8 Dec 2025 | quarterly | Mar 2005 - Dec 2025 |
| Belarus (%) | 10.6 Dec 2025 | quarterly | Dec 2006 - Dec 2025 |
| Belgium (%) | 58.3 Dec 2025 | quarterly | Dec 1992 - Dec 2025 |
| Bolivia (%) | 11.4 Dec 2024 | quarterly | Sep 2010 - Dec 2024 |
| Bosnia and Herzegovina (%) | 25.6 Dec 2025 | quarterly | Dec 2008 - Dec 2025 |
| Botswana (%) | 21.3 Dec 2025 | quarterly | Dec 2002 - Dec 2025 |
| Brunei (%) | 15.4 Dec 2025 | quarterly | Dec 2013 - Dec 2025 |
| Bulgaria (%) | 30.1 2024 | yearly | 1995 - 2024 |
| Cambodia (%) | 27.2 2024 | yearly | 2008 - 2024 |
| Canada (%) | 99.5 Dec 2025 | quarterly | Mar 1969 - Dec 2025 |
| Chile (%) | 37.7 Sep 2025 | quarterly | Mar 2009 - Sep 2025 |
| China (%) | 60.4 Sep 2025 | quarterly | Mar 2007 - Sep 2025 |
| Colombia (%) | 29.5 Sep 2025 | quarterly | Dec 2015 - Sep 2025 |
| Croatia (%) | 33.8 Dec 2025 | quarterly | Dec 1995 - Dec 2025 |
| Cyprus (%) | 68.2 2025 | yearly | 1995 - 2025 |
| Czech Republic (%) | 33.5 Dec 2025 | quarterly | Mar 2004 - Dec 2025 |
| Denmark (%) | 89.8 2024 | yearly | 1994 - 2024 |
| Ecuador (%) | 35.4 Dec 2025 | quarterly | Mar 2007 - Dec 2025 |
| Egypt (%) | 7.2 Dec 2025 | quarterly | Dec 2002 - Dec 2025 |
| Estonia (%) | 40.6 Dec 2025 | quarterly | Dec 2003 - Dec 2025 |
| European Union (%) | 50.5 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| Finland (%) | 72.7 2025 | yearly | 1995 - 2025 |
| France (%) | 59.9 2024 | yearly | 1977 - 2024 |
| Georgia (%) | 36.9 Mar 2023 | quarterly | Mar 2001 - Mar 2023 |
| Germany (%) | 48.7 Dec 2025 | quarterly | Dec 1991 - Dec 2025 |
| Greece (%) | 45.9 Dec 2025 | quarterly | Dec 1997 - Dec 2025 |
| Hong Kong SAR, China (%) | 87.6 Dec 2025 | quarterly | Mar 1982 - Dec 2025 |
| Hungary (%) | 21.7 Dec 2025 | quarterly | Dec 1995 - Dec 2025 |
| Iceland (%) | 70.7 Sep 2025 | quarterly | Dec 1995 - Sep 2025 |
| India (%) | 17.6 2025 | yearly | 1998 - 2025 |
| Indonesia (%) | 14.8 Mar 2026 | quarterly | Dec 2010 - Mar 2026 |
| Ireland (%) | 24.6 Dec 2025 | quarterly | Mar 2002 - Dec 2025 |
| Israel (%) | 42.8 Dec 2025 | quarterly | Dec 1995 - Dec 2025 |
| Italy (%) | 46.9 Sep 2025 | quarterly | Dec 1995 - Sep 2025 |
| Japan (%) | 61.2 Dec 2025 | quarterly | Dec 1997 - Dec 2025 |
| Jordan (%) | 69.7 Dec 2025 | quarterly | Mar 2002 - Dec 2025 |
| Kazakhstan (%) | 66.7 Dec 2025 | quarterly | Dec 1997 - Dec 2025 |
| South Korea (%) | 91.7 Dec 2025 | quarterly | Dec 2002 - Dec 2025 |
| Kosovo (%) | 25.4 Dec 2025 | quarterly | Dec 2010 - Dec 2025 |
| Kuwait (%) | 1.1 Dec 2025 | quarterly | Dec 2010 - Dec 2025 |
| Kyrgyzstan (%) | 12.3 Mar 2026 | quarterly | Dec 2000 - Mar 2026 |
| Latvia (%) | 23.1 Dec 2025 | quarterly | Mar 2004 - Dec 2025 |
| Lithuania (%) | 30.0 Sep 2025 | quarterly | Dec 1995 - Sep 2025 |
| Luxembourg (%) | 61.3 Dec 2025 | quarterly | Dec 1995 - Dec 2025 |
| Macau SAR, China (%) | 70.8 Mar 2026 | quarterly | Dec 2001 - Mar 2026 |
| North Macedonia (%) | 26.6 Dec 2025 | quarterly | Mar 2003 - Dec 2025 |
| Malawi (%) | 0.3 2011 | yearly | 2006 - 2011 |
| Malaysia (%) | 84.8 2025 | yearly | 2002 - 2025 |
| Malta (%) | 48.5 Dec 2025 | quarterly | Mar 2004 - Dec 2025 |
| Mauritius (%) | 20.6 Jun 2018 | quarterly | Mar 2009 - Jun 2018 |
| Mexico (%) | 17.4 Dec 2025 | quarterly | Dec 2000 - Dec 2025 |
| Mongolia (%) | 28.9 Dec 2025 | quarterly | Mar 2004 - Dec 2025 |
| Montenegro (%) | 29.2 Dec 2025 | quarterly | Mar 2007 - Dec 2025 |
| Morocco (%) | 22.0 2024 | yearly | 2001 - 2024 |
| Netherlands (%) | 97.2 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| New Zealand (%) | 91.1 Dec 2025 | quarterly | Dec 1990 - Dec 2025 |
| Norway (%) | 90.2 Dec 2025 | quarterly | Dec 1995 - Dec 2025 |
| Panama (%) | 37.8 Dec 2025 | quarterly | Dec 2007 - Dec 2025 |
| Peru (%) | 15.1 Dec 2025 | quarterly | Mar 2001 - Dec 2025 |
| Philippines (%) | 13.6 Dec 2025 | quarterly | Mar 2008 - Dec 2025 |
| Poland (%) | 22.4 Dec 2025 | quarterly | Dec 2003 - Dec 2025 |
| Portugal (%) | 56.5 Dec 2025 | quarterly | Dec 2007 - Dec 2025 |
| Romania (%) | 15.3 Dec 2025 | quarterly | Dec 1995 - Dec 2025 |
| Russia (%) | 18.7 Dec 2025 | quarterly | Dec 2000 - Dec 2025 |
| Saudi Arabia (%) | 10.7 Dec 2025 | quarterly | Dec 2003 - Dec 2025 |
| Serbia (%) | 18.7 Dec 2025 | quarterly | Dec 2003 - Dec 2025 |
| Singapore (%) | 51.6 Dec 2025 | quarterly | Mar 1995 - Dec 2025 |
| Slovakia (%) | 46.3 Sep 2025 | quarterly | Mar 2004 - Sep 2025 |
| Slovenia (%) | 28.2 Dec 2025 | quarterly | Mar 2004 - Dec 2025 |
| South Africa (%) | 41.2 Dec 2025 | quarterly | Mar 1969 - Dec 2025 |
| Spain (%) | 46.6 Dec 2025 | quarterly | Dec 1989 - Dec 2025 |
| Sri Lanka (%) | 6.6 Dec 2024 | quarterly | Dec 2010 - Dec 2024 |
| Sweden (%) | 86.2 Dec 2025 | quarterly | Mar 1996 - Dec 2025 |
| Switzerland (%) | 125.1 2025 | yearly | 1999 - 2025 |
| Syria (%) | 14.6 2011 | yearly | 2004 - 2011 |
| Taiwan, China (%) | 94.3 2024 | yearly | 2000 - 2024 |
| Thailand (%) | 86.7 Dec 2025 | quarterly | Mar 2003 - Dec 2025 |
| Tunisia (%) | 0.0 2020 | yearly | 2007 - 2020 |
| Turkey (%) | 10.5 Dec 2025 | quarterly | Dec 2014 - Dec 2025 |
| Ukraine (%) | 4.1 Dec 2025 | quarterly | Dec 2002 - Dec 2025 |
| United Arab Emirates (%) | 24.1 2024 | yearly | 2013 - 2024 |
| United Kingdom (%) | 78.0 Dec 2025 | quarterly | Mar 1987 - Dec 2025 |
| United States (%) | 60.3 Mar 2026 | quarterly | Mar 1999 - Mar 2026 |
| Uruguay (%) | 12.0 Dec 2025 | quarterly | Dec 2005 - Dec 2025 |
| Venezuela (%) | 3.4 2017 | yearly | 2004 - 2017 |
Accurate Macro & Micro Economic Data You Can Trust
Explore the most complete set of 6.6 million time series covering more than 200 economies, 20 industries and 18 macroeconomic sectors.
Learn more about what we doFinland Key Series
| Government and Public Finance | Last | Frequency | Range |
|---|---|---|---|
| Consolidated Fiscal Balance: % of GDP (%) | -3.4 Dec 2025 | quarterly | Dec 1999 - Dec 2025 |
| Consolidated Fiscal Balance (USD mn) | -3,737.484 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| Tax Revenue (USD mn) | 27,306.204 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| Tax Revenue: % of GDP (%) | 31.7 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| National Government Debt (USD mn) | 291,561.0 Dec 2025 | quarterly | Mar 2000 - Dec 2025 |
| Government Debt: % of GDP (%) | 88.5 Dec 2025 | quarterly | Mar 2000 - Dec 2025 |
| Forecast: Government Expenditure (EUR bn) | 197.218 2031 | yearly | 1980 - 2031 |
| Forecast: Government Net Debt (EUR bn) | 345.972 2031 | yearly | 1980 - 2031 |
| Forecast: Government Revenue (EUR bn) | 184.482 2031 | yearly | 1980 - 2031 |
| GG: Expenditure (EUR mn) | 42,852.000 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| GG: Net Lending/Net Borrowing (EUR mn) | -3,212.000 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| General Government (GG): Revenue (EUR mn) | 39,640.000 Dec 2025 | quarterly | Mar 1999 - Dec 2025 |
| Foreign Trade | Last | Frequency | Range |
|---|---|---|---|
| Forecast: Exports of Goods Growth (%) | 2.000 2031 | yearly | 1981 - 2031 |
| Trade Balance (USD mn) | 288.9 Mar 2026 | monthly | Jan 1992 - Mar 2026 |
| Total Exports (USD mn) | 7,793.2 Mar 2026 | monthly | Jan 1999 - Mar 2026 |
| Total Exports Growth (%) | 8.1 Mar 2026 | monthly | Jan 2000 - Mar 2026 |
| Aluminum: Exports (USD th) | 135,600.152 2024 | yearly | 1995 - 2024 |
| Exports: Medicament (USD th) | 2,017,109.121 2024 | yearly | 1995 - 2024 |
| Exports: Medicinal and Pharmaceutical Product (USD th) | 358,311.799 2024 | yearly | 1995 - 2024 |
| Total Imports (USD mn) | 7,697.2 Mar 2026 | monthly | Jan 1999 - Mar 2026 |
| Total Imports Growth (%) | 5.9 Mar 2026 | monthly | Jan 2000 - Mar 2026 |
| Imports: Medicament (USD th) | 1,931,939.585 2024 | yearly | 1995 - 2024 |
| Imports: Medicinal and Pharmaceutical Product (USD th) | 743,179.622 2024 | yearly | 1995 - 2024 |
| Total Exports to USA (USD mn) | 493.185 Feb 2026 | monthly | Apr 1964 - Feb 2026 |
| Total Imports from USA (USD mn) | 386.324 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Total Exports to China (USD mn) | 358.933 Feb 2026 | monthly | Feb 1981 - Feb 2026 |
| Total Imports from China (USD mn) | 760.519 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: North America: United States of America (EUR) | 417,104,826.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: Europe: Sweden (EUR) | 744,969,604.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: Europe: Russia (EUR) | 3,289,616.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: Europe: Netherlands (EUR) | 363,514,131.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: SITC (EUR) | 5,601,863,448.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: Europe: Germany (EUR) | 584,389,125.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: sa (EUR mn) | 6,743.286 Mar 2026 | monthly | Jan 1999 - Mar 2026 |
| Exports: SITC: BM: Paper, Paperboard and Articles Thereof (EUR) | 513,014,044.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: SITC: Basic Manufactures (BM) (EUR) | 1,450,620,901.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: SITC: Machinery, Transport Equipment (MT) (EUR) | 1,604,941,455.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: SITC: Chemicals and Related Products (CP) (EUR) | 714,143,293.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| BOF Forecast: Imports Volume Index: 2015=100 (2015=100) | 136.000 2028 | yearly | 2020 - 2028 |
| Imports: Rest of Asia: China (EUR) | 643,199,215.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: Europe: Russia (EUR) | 56,353,857.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: sa (EUR mn) | 6,660.167 Mar 2026 | monthly | Jan 1999 - Mar 2026 |
| Imports: SITC: BM: Iron and Steel (EUR) | 155,438,471.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: SITC: Chemicals and Related Products (CP) (EUR) | 744,613,881.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: SITC: Food and Live Animals (FA) (EUR) | 442,424,648.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: SITC: MF: Petroleum and Products (EUR) | 626,892,782.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: SITC (EUR) | 6,173,152,969.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Imports: SITC: Machinery, Transport Equipment (MT) (EUR) | 2,032,695,540.000 Feb 2026 | monthly | Jan 1996 - Feb 2026 |
| Exports: SITC: MT: Telecommunication, Sound Recording Equipment (EUR) | 50,003,220.00 Feb 2018 | monthly | Jan 1996 - Feb 2018 |
| Import Value Index (2015=100) | 137.300 2023 | yearly | 1995 - 2023 |
| Export Value Index (2015=100) | 137.900 2023 | yearly | 1995 - 2023 |
| Monetary | Last | Frequency | Range |
|---|---|---|---|
| Non Performing Loans Ratio (%) | 1.4 Dec 2025 | quarterly | Dec 2014 - Dec 2025 |
| Household Debt: % of GDP (%) | 72.7 2025 | yearly | 1995 - 2025 |
| Non-Performing Loans (USD mn) | 8,837.208 Dec 2025 | quarterly | Dec 2014 - Dec 2025 |
| Money Supply M1 (USD mn) | 164,291.301 Mar 2026 | monthly | Jan 1980 - Mar 2026 |
| Money Supply M2 (USD mn) | 189,284.771 Mar 2026 | monthly | Jan 1980 - Mar 2026 |
| M2 Growth (%) | 1.4 Mar 2026 | monthly | Jan 1981 - Mar 2026 |
| Reserve Requirement Ratio (%) | 1.0 Apr 2026 | monthly | Jan 1999 - Apr 2026 |
| Foreign Exchange Reserves (USD mn) | 10,340.9 Mar 2026 | monthly | Jan 2000 - Mar 2026 |
| Foreign Exchange Reserves: % of GDP (%) | 3.221 Dec 2025 | quarterly | Mar 2000 - Dec 2025 |
| Foreign Exchange Reserves: Months of Import (NA) | 1.4 Feb 2026 | monthly | Jan 2000 - Feb 2026 |
| Gold Reserves (USD mn) | 7,340.280 Feb 2026 | monthly | Jan 1970 - Feb 2026 |
| Total Deposits (USD mn) | 254,320.581 Mar 2026 | monthly | Jan 1999 - Mar 2026 |
| Total Deposits Growth (%) | 7.4 Mar 2026 | monthly | Jan 2000 - Mar 2026 |
| Domestic Credit (USD mn) | 0.0 May 2025 | monthly | Jan 1999 - May 2025 |
| Domestic Credit Growth (%) | -100.0 May 2025 | monthly | Jan 2000 - May 2025 |
| Debt Service Ratio: Households (%) | 7.700 Sep 2025 | quarterly | Mar 1999 - Sep 2025 |
| Debt Service Ratio: Private Non-Financial Sector (%) | 18.400 Sep 2025 | quarterly | Mar 1999 - Sep 2025 |
| Credit to Households (USD bn) | 207.260 Sep 2025 | quarterly | Dec 1970 - Sep 2025 |
| Credit to Private Non-Financial Sector (USD bn) | 583.850 Sep 2025 | quarterly | Dec 1970 - Sep 2025 |
| Household Debt (USD mn) | 239,449.6 2025 | yearly | 1995 - 2025 |
| Total Loans (USD mn) | 343,103.922 Mar 2026 | monthly | Dec 1998 - Mar 2026 |
| Total Loans Growth (%) | 5.65 Mar 2026 | monthly | Dec 1999 - Mar 2026 |
| Private Debt: % of Nominal GDP (%) | 90.00 Dec 2025 | quarterly | Sep 1997 - Dec 2025 |
| Monetary Aggregates: M3: M2 (EUR mn) | 164,338.229 Mar 2026 | monthly | Jan 1980 - Mar 2026 |
| Monetary Aggregates: M3 (EUR mn) | 207,427.000 Mar 2026 | monthly | Jan 1980 - Mar 2026 |
| Monetary Aggregates: M3: M2: M1: Overnight Deposits (EUR mn) | 142,638.741 Mar 2026 | monthly | Jan 1980 - Mar 2026 |
| Currency in Circulation (EUR mn) | 27,090.038 Mar 2026 | monthly | Jan 1980 - Mar 2026 |
| Official Reserve Assets (EUR mn) | 19,499.000 Mar 2026 | monthly | Jan 2000 - Mar 2026 |
| Official Reserve Assets: Foreign Currency Reserve (EUR mn) | 8,755.000 Mar 2026 | monthly | Jan 2000 - Mar 2026 |
| Official Reserve Assets: Gold: incl Gold Deposits and Gold Swapped (EUR mn) | 1,767.000 Dec 2018 | monthly | Jan 2000 - Dec 2018 |
| MFIs Deposits: Euro Area (EUR mn) | 220,802.728 Mar 2026 | monthly | Jan 1999 - Mar 2026 |
| MFIs Deposits: Euro Area: in EUR: NF: Households (EUR mn) | 120,037.937 Mar 2026 | monthly | Sep 1997 - Mar 2026 |
| MFIs Loans: Euro Area (EUR mn) | 297,884.983 Mar 2026 | monthly | Dec 1998 - Mar 2026 |
| MFIs Loans: Euro Area: in EUR: NF: Households incl NPISH (EUR mn) | 142,787.220 Mar 2026 | monthly | Sep 1997 - Mar 2026 |
| Business and Economic Survey | Last | Frequency | Range |
|---|---|---|---|
| Business Confidence Growth (% Point) | 10.9 Apr 2026 | monthly | Jan 1994 - Apr 2026 |
More Indicators for Finland
Request a demo of CEIC
CEIC’s economic databases cover over 200 global markets. Our Platform offers the most reliable macroeconomic data and advanced analytical tools.