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EU Household Debt Falls to 49% GDP, Netherlands Peaks 93.5%

7/22/2026

45 9 Full Breakdown

Summary

Story summary

Eurostat reported EU household debt fell to 49.4% of GDP in 2025, down from over 60% in 2020.
Seven EU nations in northern or western Europe still have household debt above 55% of GDP, with the Netherlands at a record 93.5% driven by full-value mortgages and interest-relief.
Portugal’s household debt rose 8.6% to €171 billion by late 2025, with over 90% of its mortgages tied to Euribor.

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Story summary

Eurostat reported EU household debt fell to 49.4% of GDP in 2025, down from over 60% in 2020.
Seven EU nations in northern or western Europe still have household debt above 55% of GDP, with the Netherlands at a record 93.5% driven by full-value mortgages and interest-relief.
Portugal’s household debt rose 8.6% to €171 billion by late 2025, with over 90% of its mortgages tied to Euribor.