Hypostat 2015

Statistical Tables – The Mortgage Market
7. Total Outstanding Residential Loans to Disposable Income of
Households Ratio
%
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Austria 27.3 31.8 34.0 36.6 37.3 39.6 40.3 43.3 44.4 43.7 44.3 45.1
Belgium 47.1 50.6 55.1 59.0 62.2 63.9 69.6 73.3 76.2 79.6 81.4 83.1
Bulgaria n/a n/a n/a n/a 16.1 17.8 18.0 17.4 15.6 15.1 n/a n/a
Croatia 10.9 12.9 16.3 20.7 24.4 25.7 26.3 27.8 28.2 28.2 28.1 25.9
Cyprus 13.7 15.9 40.6 49.4 59.3 65.4 80.6 88.0 90.1 96.0 94.0 98.9
Czech Republic 4.9 7.5 10.6 12.6 18.2 17.6 20.0 21.0 21.9 24.4 25.5 31.2
Denmark 171.8 181.7 200.2 214.4 231.0 238.5 241.9 235.4 233.4 231.0 234.6 237.4
Estonia 20.5 29.3 45.2 62.1 67.9 66.4 71.6 70.9 64.4 61.1 57.1 54.1
Finland 43.7 48.0 54.6 59.8 63.6 65.4 67.7 69.5 71.0 72.8 72.8 73.7
France 35.9 39.1 43.7 48.1 51.6 54.2 56.4 59.9 62.3 63.9 65.8 66.4
Germany 76.9 75.7 74.6 74.3 71.2 68.9 69.6 68.1 66.2 66.0 66.1 66.0
Greece 21.7 25.9 32.2 38.2 43.4 45.9 47.1 50.9 53.4 54.8 58.2 58.7
Hungary 12.8 15.6 19.5 25.5 29.7 36.9 41.5 44.0 36.9 33.9 31.3 29.1
Ireland 88.1 106.7 124.2 144.1 150.7 149.1 159.3 117.9 117.1 113.4 109.2 101.7
Italy 16.0 18.5 21.1 22.9 24.0 23.5 25.5 32.1 32.6 33.3 32.9 32.6
Latvia 10.5 17.3 28.4 42.2 49.1 45.7 54.0 56.2 50.4 42.1 36.6 32.9
Lithuania 6.1 9.8 16.3 18.6 27.9 29.2 31.7 31.1 29.0 27.6 26.2 n/a
Luxembourg n/a n/a n/a 95.2 109.0 108.9 113.9 118.1 123.9 127.4 144.1 153.0
Netherlands 145.5 155.4 170.3 176.3 181.2 191.0 196.9 205.0 204.5 208.1 199.7 197.3
Poland 6.3 6.9 9.0 12.8 18.6 22.5 26.6 29.8 31.2 33.7 33.7 34.0
Portugal 65.2 66.4 70.9 79.1 83.0 83.0 87.7 88.3 91.1 91.7 88.0 83.9
Romania n/a n/a 1.5 3.7 5.6 6.4 7.8 8.8 9.7 n/a n/a n/a
Slovakia 7.8 10.5 13.0 19.6 20.7 22.0 23.2 25.6 28.5 31.3 33.9 37.6
Slovenia 1.6 4.6 7.4 10.1 12.6 14.9 17.1 20.9 21.9 22.9 23.3 23.5
Spain 59.2 68.5 79.8 90.6 98.5 97.4 94.9 97.9 94.3 93.6 89.7 84.6
Sweden 11.5 113.9 120.8 132.7 131.5 123.0 149.6 159.7 151.0 151.7 149.0 151.0
UK 97.0 104.2 113.9 123.7 118.8 106.5 124.0 117.4 121.3 113.8 115.4 116.4
Euro area 18 n/a n/a n/a 64.8 66.7 67.4 69.3 71.2 71.1 71.8 71.4 70.7
EU 28 59.3 64.9 69.8 74.7 75.2 72.7 77.3 78.5 78.9 79.1 78.7 n/a
Norway 93.9 107.8 113.3 132.5 141.5 121.3 146.2 142.8 142.5 149.4 134.2 158.0
USA 80.4 88.0 110.1 103.6 103.7 112.9 102.1 97.5 98.6 83.6 81.3 89.3
Source: European Mortgage Federation National Experts, European Central Bank, National Central Banks, National Statistics Offices, Eurostat, Federal Reserve, US Bureau of Census
1) Time series breaks:
See Table 1
2) The series has been revised for at least two years in:
See Table 1
3) Notes:
For further details on the methodologies, please see “Annex: Explanatory Note on Data”.
n/a: figure not available.
Please note that the disposable income of households at current prices has been taken in euros
directly from AMECO.
2015 EMF HYPOSTAT | 91