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Forsiden av dokumentet The driving forces behind households’ accumulation of consumer debt

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The driving forces behind households’ accumulation of consumer debt

This Staff Memo explores the determinants of unsecured consumer debt among Norwegian households using data from 2020 to 2024, identifying key drivers such as life-cycle patterns, labor market shocks, and homeownership transitions. Findings reveal vulnerabilities associated with younger households, renters, and those relying on unsecured loans for consumption smoothing. It also highlights the role of unemployment and homeownership in shaping debt composition and offers policy insights for financial stability.

Publisert

Eier

Norges Bank

Forfattere

Himal Gautam, Ella Getz-Wold, Magnus A. H. Gulbrandsen og Plamen Nenov

Språk

engelsk

ISBN

9788283793437

Tema

statlig forvaltning lov og rett, beredskap økonomi