Data / Household debt service ratio / Japan

Household debt service ratio in Japan

Household debt service ratio in Japan was 7.5% in Q1 2026, according to the Bank for International Settlements. That is up 0.1 pts from Q1 2025.

Q1 20267.5% Estimated
Change on Q1 2025+0.1 pts
Series high9Q4 2001
Series low6.9Q3 2012
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Household debt service ratio in Japan, Q1 1999 to Q1 2026

6.577.588.591999-Q12003-Q12007-Q12011-Q12015-Q12019-Q12023-Q12026-Q11999-Q1: 8.8 %1999-Q2: 8.7 %1999-Q3: 8.8 %1999-Q4: 8.8 %2000-Q1: 8.8 %2000-Q2: 8.8 %2000-Q3: 8.8 %2000-Q4: 8.8 %2001-Q1: 8.8 %2001-Q2: 8.8 %2001-Q3: 8.9 %2001-Q4: 9 %2002-Q1: 9 %2002-Q2: 8.9 %2002-Q3: 8.9 %2002-Q4: 8.9 %2003-Q1: 8.9 %2003-Q2: 8.8 %2003-Q3: 8.8 %2003-Q4: 8.8 %2004-Q1: 8.7 %2004-Q2: 8.6 %2004-Q3: 8.6 %2004-Q4: 8.5 %2005-Q1: 8.3 %2005-Q2: 8.2 %2005-Q3: 8.2 %2005-Q4: 8.3 %2006-Q1: 8.2 %2006-Q2: 8.1 %2006-Q3: 8.1 %2006-Q4: 8 %2007-Q1: 8 %2007-Q2: 8 %2007-Q3: 7.9 %2007-Q4: 7.9 %2008-Q1: 7.8 %2008-Q2: 7.7 %2008-Q3: 7.6 %2008-Q4: 7.6 %2009-Q1: 7.5 %2009-Q2: 7.4 %2009-Q3: 7.4 %2009-Q4: 7.4 %2010-Q1: 7.3 %2010-Q2: 7.2 %2010-Q3: 7.2 %2010-Q4: 7.1 %2011-Q1: 7.1 %2011-Q2: 7.1 %2011-Q3: 7 %2011-Q4: 7 %2012-Q1: 7 %2012-Q2: 7 %2012-Q3: 6.9 %2012-Q4: 7 %2013-Q1: 7 %2013-Q2: 7 %2013-Q3: 7 %2013-Q4: 7 %2014-Q1: 7 %2014-Q2: 7 %2014-Q3: 7 %2014-Q4: 7.1 %2015-Q1: 7.1 %2015-Q2: 7 %2015-Q3: 7 %2015-Q4: 7 %2016-Q1: 6.9 %2016-Q2: 6.9 %2016-Q3: 7 %2016-Q4: 7 %2017-Q1: 7 %2017-Q2: 7 %2017-Q3: 7 %2017-Q4: 7.1 %2018-Q1: 7.1 %2018-Q2: 7.1 %2018-Q3: 7.1 %2018-Q4: 7.2 %2019-Q1: 7.2 %2019-Q2: 7.2 %2019-Q3: 7.3 %2019-Q4: 7.3 %2020-Q1: 7.3 %2020-Q2: 7.1 %2020-Q3: 7.1 %2020-Q4: 7.2 %2021-Q1: 7.2 %2021-Q2: 7.4 %2021-Q3: 7.5 %2021-Q4: 7.5 %2022-Q1: 7.5 %2022-Q2: 7.5 %2022-Q3: 7.4 %2022-Q4: 7.4 %2023-Q1: 7.5 %2023-Q2: 7.4 %2023-Q3: 7.4 %2023-Q4: 7.4 %2024-Q1: 7.5 %2024-Q2: 7.4 %2024-Q3: 7.4 %2024-Q4: 7.4 %2025-Q1: 7.4 %2025-Q2: 7.4 %2025-Q3: 7.4 %2025-Q4: 7.5 %2026-Q1: 7.5 %67891999-Q12008-Q22017-Q32026-Q12026-Q1: 7.5 %
%. Source: BIS, BIS WS_DSR: H, quarterly, household debt service ratio. Retrieved 2026-10-12.
All 109 values
Period%
2026-Q17.5 Estimated
2025-Q47.5 Estimated
2025-Q37.4 Estimated
2025-Q27.4 Estimated
2025-Q17.4 Estimated
2024-Q47.4 Estimated
2024-Q37.4 Estimated
2024-Q27.4 Estimated
2024-Q17.5 Estimated
2023-Q47.4 Estimated
2023-Q37.4 Estimated
2023-Q27.4 Estimated
2023-Q17.5 Estimated
2022-Q47.4 Estimated
2022-Q37.4 Estimated
2022-Q27.5 Estimated
2022-Q17.5 Estimated
2021-Q47.5 Estimated
2021-Q37.5 Estimated
2021-Q27.4 Estimated
2021-Q17.2 Estimated
2020-Q47.2 Estimated
2020-Q37.1 Estimated
2020-Q27.1 Estimated
2020-Q17.3 Estimated
2019-Q47.3 Estimated
2019-Q37.3 Estimated
2019-Q27.2 Estimated
2019-Q17.2 Estimated
2018-Q47.2 Estimated
2018-Q37.1 Estimated
2018-Q27.1 Estimated
2018-Q17.1 Estimated
2017-Q47.1 Estimated
2017-Q37 Estimated
2017-Q27 Estimated
2017-Q17 Estimated
2016-Q47 Estimated
2016-Q37 Estimated
2016-Q26.9 Estimated
2016-Q16.9 Estimated
2015-Q47 Estimated
2015-Q37 Estimated
2015-Q27 Estimated
2015-Q17.1 Estimated
2014-Q47.1 Estimated
2014-Q37 Estimated
2014-Q27 Estimated
2014-Q17 Estimated
2013-Q47 Estimated
2013-Q37 Estimated
2013-Q27 Estimated
2013-Q17 Estimated
2012-Q47 Estimated
2012-Q36.9 Estimated
2012-Q27 Estimated
2012-Q17 Estimated
2011-Q47 Estimated
2011-Q37 Estimated
2011-Q27.1 Estimated
2011-Q17.1 Estimated
2010-Q47.1 Estimated
2010-Q37.2 Estimated
2010-Q27.2 Estimated
2010-Q17.3 Estimated
2009-Q47.4 Estimated
2009-Q37.4 Estimated
2009-Q27.4 Estimated
2009-Q17.5 Estimated
2008-Q47.6 Estimated
2008-Q37.6 Estimated
2008-Q27.7 Estimated
2008-Q17.8 Estimated
2007-Q47.9 Estimated
2007-Q37.9 Estimated
2007-Q28 Estimated
2007-Q18 Estimated
2006-Q48 Estimated
2006-Q38.1 Estimated
2006-Q28.1 Estimated
2006-Q18.2 Estimated
2005-Q48.3 Estimated
2005-Q38.2 Estimated
2005-Q28.2 Estimated
2005-Q18.3 Estimated
2004-Q48.5 Estimated
2004-Q38.6 Estimated
2004-Q28.6 Estimated
2004-Q18.7 Estimated
2003-Q48.8 Estimated
2003-Q38.8 Estimated
2003-Q28.8 Estimated
2003-Q18.9 Estimated
2002-Q48.9 Estimated
2002-Q38.9 Estimated
2002-Q28.9 Estimated
2002-Q19 Estimated
2001-Q49 Estimated
2001-Q38.9 Estimated
2001-Q28.8 Estimated
2001-Q18.8 Estimated
2000-Q48.8 Estimated
2000-Q38.8 Estimated
2000-Q28.8 Estimated
2000-Q18.8 Estimated
1999-Q48.8 Estimated
1999-Q38.8 Estimated
1999-Q28.7 Estimated
1999-Q18.8 Estimated

Japan compared with nearby places

Australia: 15.7 %Belgium: 7.1 %Canada: 14 %Germany: 5.4 %Denmark: 11.9 %Spain: 5.1 %Finland: 7.4 %France: 6 %United Kingdom: 8.8 %Italy: 4.2 %Japan: 7.5 %South Korea: 11.5 %Netherlands: 13.1 %Norway: 20.9 %Portugal: 5.9 %Sweden: 11.4 %United States: 8 %
  • Under 5.9
  • 5.9 to 7.4
  • 7.4 to 10
  • 10 to 13
  • 13 and over
  • No data
Household debt service ratio, Q1 2026, %. Japan is outlined. Same source and period for every area shown. Source: Bank for International Settlements. Boundaries: Natural Earth (public domain).

Rankings

Definition

BIS estimate of household and NPISH interest payments and principal amortisation as a percentage of income.

BIS modelled estimates from aggregate debt, income, interest rates and assumed remaining maturities. Includes interest and principal repayments. Better suited to tracking a country over time than comparing absolute levels between countries. Household and corporate coverage is narrower than total private-sector coverage. Household estimates include NPISHs and differ from the Federal Reserve household debt service ratio. Not seasonally adjusted.

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How to cite

Bank for International Settlements (BIS), compiled from central bank and other national sources. BIS WS_DSR: H, quarterly, household debt service ratio. https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1. Retrieved 2026-10-12.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Bank for International Settlements. (n.d.). BIS WS_DSR: H, quarterly, household debt service ratio (Household debt service ratio, Japan, 1999-Q1 to 2026-Q1) [Data set]. Retrieved October 12, 2026, from https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1

MLA 9

BIS WS_DSR: H, quarterly, household debt service ratio, Household debt service ratio, Japan, 1999-Q1 to 2026-Q1. Bank for International Settlements, https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1. Invokely, https://invokely.ai/en/household-debt-service-ratio/japan. Accessed 12 Oct. 2026.

Chicago (author-date)

Bank for International Settlements. n.d. BIS WS_DSR: H, quarterly, household debt service ratio. Household debt service ratio, Japan, 1999-Q1 to 2026-Q1. Dataset. Accessed October 12, 2026. https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1. Also distributed by Invokely, https://invokely.ai/en/household-debt-service-ratio/japan.

Harvard

Bank for International Settlements (no date) BIS WS_DSR: H, quarterly, household debt service ratio, Household debt service ratio, Japan, 1999-Q1 to 2026-Q1 [Dataset]. Available at: https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1, via Invokely: https://invokely.ai/en/household-debt-service-ratio/japan (Accessed: 12 October 2026).

BibTeX
@misc{bank_household_debt_service_ratio_2026,
  author = {{Bank for International Settlements}},
  title = {{BIS WS\_DSR: H, quarterly, household debt service ratio: Household debt service ratio, Japan, 1999-Q1 to 2026-Q1}},
  howpublished = {Data set},
  url = {https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/en/household-debt-service-ratio/japan. Publisher attribution: Bank for International Settlements (BIS), compiled from central bank and other national sources. BIS WS\_DSR: H, quarterly, household debt service ratio. https://stats.bis.org/api/v2/data/dataflow/BIS/WS\_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv\&startPeriod=1999-Q1. Retrieved 2026-10-12.},
}
RIS
TY  - DATA
AU  - Bank for International Settlements
TI  - BIS WS_DSR: H, quarterly, household debt service ratio: Household debt service ratio, Japan, 1999-Q1 to 2026-Q1
PB  - Bank for International Settlements
DB  - Invokely
UR  - https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1
L2  - https://invokely.ai/en/household-debt-service-ratio/japan
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/en/household-debt-service-ratio/japan.
N1  - Publisher attribution: Bank for International Settlements (BIS), compiled from central bank and other national sources. BIS WS_DSR: H, quarterly, household debt service ratio. https://stats.bis.org/api/v2/data/dataflow/BIS/WS_DSR/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.H?format=csv&startPeriod=1999-Q1. Retrieved 2026-10-12.
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Questions

What is the household debt service ratio in Japan?

Household debt service ratio in Japan was 7.5% in Q1 2026, according to the Bank for International Settlements. That is up 0.1 pts from Q1 2025.

Where does this figure come from?

Bank for International Settlements. BIS WS_DSR: H, quarterly, household debt service ratio. Retrieved by Invokely on 2026-10-12.

What was the highest household debt service ratio in Japan?

9% in Q4 2001, the highest value since Q1 1999 in this series.

Household debt service ratio in other countries

Related statistics for Japan

All statistics for Japan | Japan in figures