Assets, debts

Topics Income, consumption and living conditions

€ 58,000  gross financial assets per household

€ 163,000 total net assets per household

€ 31,565 average debt

Press releases

12 January 2023 28% of overindebted individuals owed money to online dealers in 2021

Online shopping is getting ever more popular, an effect that is reinforced by the Covid pandemic. However, the easy order and payment procedures offered on the internet may lead to financial problems for some people. The Federal Statistical Office (Destatis) reports that 28% of the total of roughly 575,000 people who sought help at a debt advice centre in 2021 owed money to online or mail order dealers. The proportion has increased by 3 percentage points in the past five years. In 2016, it had been 25% of a total of roughly 617,000 people who received advice.

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Proportion of individuals who received advice that owed money to online or mail order dealers

25 May 2022 Overindebted people need 38% of their household income for housing costs

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7 June 2021 Lone mothers and men living alone are particularly often overindebted

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27 May 2021 Overindebtedness most often due to unemployment

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25 May 2020 There was at least one child in 35% of the overindebted households in 2019

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3 June 2019 Rent arrears more frequent among overindebted people in eastern Germany

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Further Press Releases

Current news

Real property of households in Germany up by just under 31%

The estimated current market value of real property owner­ship in Germany was an average 136,000 euros per house­hold at the beginning of 2018. This was a 31,3% increase on 2013, when the average value had been 103,600 euros. When consi­dering only the house­holds actually owning real property, the average current market value rose from 243,900 euros in 2013 to 295,400 euros in 2018 (+21,1%).

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Real property ownership of households

Tables

Real property

Overindebtedness of private persons and consumer insolvencies

Database

GENESIS-Online

More data on statistics on overindebtedness are available from the GENESIS-Online database.

The database content will continuously be extended, and links will be provided here.

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Graphics

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Development of consumer insolvencies

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Level of personal overindebtedness, 2023

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Proportion of persons counselled, by household size, 2023

Experimental statistics

In the "EXSTAT – Experimental statistics section" we regularly publish new and innovative project results of the Federal Statistical Office. These are obtained by using new data sources and methods. Both the degree of maturity and quality of the results differ from those of official statistics, especially regarding harmonisation, coverage and methodology. Nonetheless these results of the statistical offices of the Federation and the Länder offer new and interesting ways of looking at various statistical topics.

Selected articles from the EXSTAT series

Loan agreements of the credit services sector and information regarding online transactions

The information provided here is based on data reflecting weekly changes in the number of online transactions, new loan or mortgage agreements, and credit checks on people looking for a dwelling, which were supplied by information providers.

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Ex­per­i­men­tal statis­tics