借款人层面家庭债务统计编制结果 2025年12月

December 2025 Household Debt DB SectionEconomic Statistics Department Ⅰ. Statistical Overview □(Purpose of Compilation&Significance)This statistical compilationprovidesdetailed micro-level information on borrowers’individualcharacteristics and usage behaviour. It is designed to meet the demandformicroanalysis of household debt holdings and provide usefulinformation for the implementation of financial stability policies. oIt is expected to contribute to the analysis of trends and structuralfeatures ofhousehold debt,as well as to the formulation of policiesbased on micro-level information. It also aligns with the internationaltrendtoward expanding the development of microstatistics to moreprecisely assess household debt risks. □(Method of Compilation)These statistics are compiled using sampledata extracted from the NICE personal credit information database. oBased on a sample representing 4.8%(about2.35 million people as ofDecember 2024)of people aged 18 years and above who possess creditinformation,borrowers’quarterly average amounts and shares ofnewly-issued loans and outstanding balances are calculated. □(Expected Outcomes)With the addition of the newly introducedborrower-levelhouseholddebtstatistics(micro-levelinformation),alongside the existing household credit statistics(macroeconomic aggregatemeasures)andtheSurveyofHouseholdFinancesandLivingConditions(household-levelfinancial conditions),the overall framework ofKorea’s household debt statistics has been systematized. II.Compilation Results of Borrower-Level Household Debt Statistics for2013-2024 □(Newly Issued Household Loan Amounts and Shares)Compared with2013, the newly issued household loans*per borrower in 2024 amountedto KRW 38.79 million, an increase of KRW 7.45 million. By share(on atotal amount basis), the majority of newly issued loans was accounted forby borrowers in their30s and 40s(58.0%),the Seoul metropolitan area(60.9%), Banks(65.6%), and mortgage loans(46.2%). *mortgage loans per borrower stood at KRW 209.70 million, an increase of KRW111.85 million compared with 2013. o(By age group)Compared with 2013, the average newly issued loansin 2024 increased for those in their 20s(+KRW 7.59 million), 30s(+KRW22.53million),and 40s(+KRW9.87 million),while it declined for thosein their 50s(－KRW 2.36 million)and 60 and above(－KRW 8.61 million). o(By region)Compared with 2013,the increase in the averageamount in 2024 was significantly sharper in the Seoul metropolitanarea(+KRW 11.22 million)than in other regions.* * Daegu-Gyeongbuk region: + KRW 4.58 millionGangwon-Jeju region: + KRW 4.56 millionGwangju-Jeolla region: + KRW 3.15 million o(By financial institution type)Compared with 2013,the averageamountincreased in Banks(+KRW17.34 million)andother financialinstitutions(+KRW 2.51 million), while it declined in the NBFI(－KRW9.39 million). o(By loan type)Compared with 2013,the average amount in 2024increasedfor mortgage loans(+KRW111.85 million)andJeonse loans(+KRW55.05million,comparedwith2017),whileitdeclinedforNon-mortgage secured loans(－KRW 23.51 million). □(Outstanding Household Loan Balances)At the end of 2024,theoutstandinghousehold loan balance per borrower stood at KRW95.15million,an increase of KRW 34.01 million from 2013.Outstanding mortgage loan balance amounted to KRW 149.59 million, up KRW 56.51 million from 2013. o The share of mortgage loans in total household loans(on a total amountbasis)declined from 50.7% at the end of 2013 to 50.0% at the end of2024. III. CompilationResults of Borrower-Level Household Debt Statistics for3Q 2025 □(Newly Issued Household Loan Amounts and Shares)In the thirdquarterof 2025,newly issued household loans per borrower*amountedto KRW 38.52 million,an increase of KRW 0.26 millionfromthe previous quarter.By share(ona total amount basis),themajorityof newly issued loans was accounted for by borrowers intheir30s and 40s(58.3%),the Seoul Metropolitan Area(62.7%),Banks(58.3%), and mortgage loans(44.6%). * mortgage loansper borrower amounted to KRW 227.07 million, an increase ofKRW 17.12 million from the previous quarter. o(By age group)The average newly issued loan amounts increased fromthe previous quarter for borrowers in their 30s(+KRW 2.43 million)and40s(+KRW 0.72 million), while they declined for those in their 20s(－KRW0.70 million), 50s(－KRW 0.87 million), and 60 and over(－KRW 1.03 million). o(By region)The average newly issued loan amounts increased in theSeoul Metropolitan Area(+KRW 0.75 million), Chungcheong region(+KRW 0.66million),Gwangju-Jeolla region(+KRW0.34 million),and Daegu-Gyeongbukregion(+KRW 1.03 million), while it decreased in the Busan-Ulsan-Gyeongbukregion(－KRW 1.33 million)and the Gangwon-Jeju region(－KRW 1.71 million). o(By financial institution type)Compared with the previous quarter, theaverage amount increased in Banks(+KRW 1.59 million), NBFIs(+KRW 2.32million), and others(+KRW 0.83 million). o(By loan type)Compared with the previous quarter, the average amount