Official Statistics of Finland


Producer: Statistics Finland

Latest release:
Debts of household-dwelling units with housing loans are more than double their annual income
28 Jan 2021
In 2019, household-dwelling units with housing loans had, on average, 220 per cent of their disposable annual monetary income in debts. Debts relative to income were highest for single-supporter families, 276 per cent, and household-dwelling units with one adult, 255 per cent. The indebtedness ratio of two-supporter families with children was also higher than average, 237 per cent. The average size of the housing loan per household-dwelling unit with a housing loan was EUR 102,240, which was 1.2 per cent more than in 2018.

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: 8.5.2021].
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