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Official Statistics of Finland (OSF)
Statistics on indebtedness describe debts of private persons and household-dwelling units. The statistics describe indebtedness by gender, age, family type and various regional levels. The data are based on the data of the Tax Administration and the total statistics on income distribution and published once a year.


Statistics Finland


New database tables were added to the statistics on indebtedness. Old tables were moved to the archive.
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Database tables


According to Statistics Finland, the indebtedness ratio of indebted household-dwelling units was 175 per cent at the end of 2021. The indebtedness ratio of household-dwelling units with housing loans was 225 per cent. Household-dwelling units with loans charged on business activities or a source of income had 265 per cent debt relative to their income. The indebtedness ratio of household-dwelling units with other debts was 174 per cent.

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release | Indebtedness 2021, rate of indebtedness

Future releases


See key statistical data in the figures.

Average housing loans of household-dwelling units with housing loans, time series

You can download the data of an automatically updated figure as an Excel table from the menu or listen to the table with the screen reader software after this figure.
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Capital district73,84882,86292,926102,769111,268117,946120,271125,008129,082130,234132,056132,563133,629137,397140,920144,558147,168152,199160,739167,621
Other Helsinki-Uusimaa67,95975,39184,54294,619103,839111,370113,983117,294119,872120,061119,828118,815117,122117,856118,164118,271117,210117,043119,613121,047
Southern Finland53,21058,15664,06571,27277,76983,46185,71488,39490,46691,01190,73889,97589,10389,88790,05689,65788,93588,73790,43990,708
Western Finland52,65857,35763,07969,83875,96681,38283,82287,03689,58690,60491,11891,11990,92792,34093,17293,41693,30593,73795,98596,703
Northern and Eastern Finland49,13453,44658,70465,18970,94575,82777,41880,43282,63883,52083,98883,99083,60784,55085,02884,80684,08083,73185,55285,674

Average debts of household-dwelling units with debts by region, time series


Average debts of household-dwelling units with debts by type of debt and region

Statistical experts

Inquiries primarily
Ossi Kohvakka
Senior Statistician
029 551 3534

Referencing instructions

Referencing instructions

Are you looking for previously published statistical data?

The statistical data released before 5.4.2022 can be found on the archive pages of the statistics.

Go to the archive page