the household finance and consumption survey

The Household Finance and Consumption Survey

Wave 2017

Statistical tables

March 2020

Introduction

The Household Finance and Consumption Survey (HFCS), a joint project of central banks and national statistical institutes of the European Union, provides detailed household-level data on various aspects of household balance sheets and related economic and demographic variables, including income, pensions, employment, gifts and measures of consumption. This set of tables reports the main figures from the HFCS along several dimensions. A key distinguishing feature of the HFCS is that it provides country-representative data, which have been collected in a harmonised way in 22 European Union member states for a sample of 91,200 households. This set of tables has to be seen as a complement to the reports ”The Household Finance and Consumption Survey – Results from the 2017 wave” and ”The Household Finance and Consumption Survey – Methodological report from the 2017 wave”, which provide key stylised facts and information about the main methodological features of the survey.

These statistical tables are based on HFCS data available as of 01 March 2020. For Spain, preliminary data is used for the publication of the main results of the EFF2017 (the Spanish version of the HFCS). For Ireland, the tables are based on provisional weights. For France, standard errors are based on preliminary replicate weights.

Finally, it should be emphasized that cross-country differences in survey results should be interpreted with caution. Despite the improvement in the HFCS data comparability made possible by a considerable effort in ex-ante harmonisation, remaining methodological differences may account for part of observed differences across countries. For example, the coverage of the top of the wealth distribution may be affected by differences in sample design and particularly in the oversampling of most affluent households. Moreover, differences between countries in statistics of interest must be assessed against relevant institutional and socio-demographic differences. The shape of the distribution of income or wealth among households crucially depends, for example, on the household structure, hence on the age composition of the population and on factors affecting household formation. Institutional and methodological issues affecting cross-country comparability of results are further discussed in Chapter 9.2 of the HFCS methodological report for the 2017 wave.

Table of Contents A. Main tables ............................................................................................................................................................................ 1

A1 Main aggregates - medians ........................................................................................................................................... 1 A2 Main aggregates - means .............................................................................................................................................. 2 A3 Net wealth medians - breakdowns............................................................................................................................... 3 A4 Net wealth, means - breakdowns................................................................................................................................. 4

B. Real assets............................................................................................................................................................................ 6 B1 Percentage of households owning real assets ......................................................................................................... 6 B2 Real assets - conditional medians ............................................................................................................................... 7 B3 Real assets, ownership of HMR - breakdowns ......................................................................................................... 8 B4 Real assets, value of HMR - distribution .................................................................................................................. 10 B5 Real estate assets, conditional medians - breakdowns........................................................................................ 11

C. Financial assets ................................................................................................................................................................ 13 C1 Financial assets - participation rates......................................................................................................................... 13 C2 Financial assets - conditional medians..................................................................................................................... 14 C3 Total financial assets, among household with financial assets - distribution................................................... 15 C4 Financial assets, conditional medians - breakdowns ............................................................................................ 16 C5 Financial assets - has shares - breakdowns ........................................................................................................... 18

D. Composition of assets .................................................................................................................................................... 20 D1 Shares of main asset types on total assets ............................................................................................................. 20 D2 Shares of real assets types on total real assets..................................................................................................... 21 D3 Shares of financial assets types on total financial assets .................................................................................... 22 D4 Share of financial assets on total assets - breakdowns........................................................................................ 23

E. Debt........................................................................................................................................................................................ 25 E1 Percentage of households holding debt ................................................................................................................... 25 E2 Debt - conditional medians .......................................................................................................................................... 26 E3 Shares of debt types on total liabilities ..................................................................................................................... 27 E4 Total debt, among households holding debt - distribution.................................................................................... 28 E5 Percentage of households holding debt - breakdowns ......................................................................................... 29 E7 Payments for debt - conditional medians ................................................................................................................. 31

F. Debt burden .........................................................................................................................................................................32

F1 Financial burden indicators, median ratios ...............................................................................................................32 F2 Financial burden indicators - 90th percentile ratios................................................................................................33 F3 Has negative net wealth - breakdowns .....................................................................................................................34 F4 Median debt to income ratio - breakdowns ..............................................................................................................36 F5 Median debt service to income ratio, among households with debt payments - breakdowns .....................38 F6 Median debt to assets ratio - breakdowns................................................................................................................40

G. Consumption ......................................................................................................................................................................43 G1 Consumption - food, utilities - medians ....................................................................................................................43 G2 Consumption and saving .............................................................................................................................................44 G3 Regular expenses less than income - breakdowns ...............................................................................................45

H. Credit constraints .............................................................................................................................................................47 H1 Credit constraints ...........................................................................................................................................................47

I. Income ....................................................................................................................................................................................48 I1 Annual gross income per household, medians - breakdowns...............................................................................48 I2 Annual gross income per household - means - breakdowns.................................................................................50 I3 Annual gross income per household - distribution ...................................................................................................52

J. Distribution of assets .......................................................................................................................................................53 J1 Shares of total assets held across the total assets distribution ...........................................................................53 J2 Total assets per household - distribution...................................................................................................................54 J3 Net wealth per household - distribution .....................................................................................................................55 J4 Net wealth inequality indicators ...................................................................................................................................56

K. Middle quintile net wealth indicators .........................................................................................................................57 K1 Middle quintile net wealth households - selected characteristics .......................................................................57 K2 Middle quintile net wealth households - medians ...................................................................................................59

X. Demographic information...............................................................................................................................................60 X1 Context table on population structures......................................................................................................................60

General notes...........................................................................................................................................................................62 Definitions.................................................................................................................................................................................63 Inflation adjustment factors................................................................................................................................................65 Country specific notes .........................................................................................................................................................66

HFCS Statistical tables, wave 2017 (wave 3), March 2020 1

A. Main tables Table A1 Main aggregates - medians broken down by ownership of the household main residence EUR thousands / % of households

euro area BE DE EE IE GR ES FR HR IT CY LV LT LU HU MT NL AT PL PT SI SK FI

All DA3001 Total assets 131.3 279.9 86.5 57.3 241.1 65.0 156.4 162.9 66.9 144.5 242.1 23.6 49.5 634.0 39.7 252.8 195.2 97.2 65.8 100.8 97.4 78.0 160.5

(1.7) (10.4) (3.7) (2.1) (6.4) (2.9) (3.6) (4.9) (2.9) (4.0) (14.4) (2.1) (2.1) (16.5) (1.0) (6.9) (4.0) (4.9) (1.3) (2.0) (3.1) (2.3) (2.9)

DL1000 Total outstanding balance of household's liabilities 29.5 68.1 20.0 4.9 42.3 14.8 36.5 29.0 2.2 12.5 64.6 3.0 5.7 91.7 5.5 40.0 133.7 17.1 2.3 35.0 5.9 11.4 39.2

(0.9) (6.0) (1.3) (0.6) (6.0) (3.4) (2.9) (2.0) (0.3) (2.0) (5.4) (0.8) (0.8) (13.9) (0.4) (4.8) (5.4) (2.0) (0.2) (1.6) (0.7) (1.3) (1.3)

DL1000i Has debt 41.9 49.9 45.4 48.0 51.5 19.7 52.7 45.5 40.7 21.4 56.8 39.6 26.1 53.2 31.6 34.3 57.8 32.7 40.5 45.7 32.2 36.6 58.0

(0.3) (1.2) (0.9) (1.1) (1.0) (1.2) (0.8) (0.7) (1.8) (0.7) (1.7) (1.5) (1.6) (1.4) (0.7) (1.2) (0.8) (1.0) (0.8) (0.8) (1.1) (1.4) (0.6)

DN3001 Net wealth 99.4 212.5 70.8 47.7 185.0 60.0 119.1 117.6 61.5 132.3 195.9 20.5 45.9 498.5 35.9 236.1 67.4 82.7 60.5 74.8 91.6 70.3 107.2

(1.4) (9.4) (3.4) (2.1) (6.2) (2.4) (3.0) (5.3) (3.2) (3.0) (15.7) (1.5) (2.0) (23.4) (1.1) (6.4) (4.1) (3.9) (1.4) (2.3) (3.1) (2.7) (3.3)

Owners DH Households 60.3 69.3 43.9 75.3 69.5 72.0 75.9 57.9 85.3 68.5 68.2 72.7 93.2 69.0 84.0 81.4 57.5 45.9 79.3 74.5 76.3 88.8 66.3

(0.2) (1.3) (0.1) (1.1) (0.1) (0.1) (0.7) (0.9) (1.2) (0.7) (1.8) (1.8) (0.8) (1.3) (0.6) (1.0) (0.1) (0.5) (0.6) (0.9) (1.1) (0.8) (0.5)

DA3001 Total assets 246.4 374.8 319.6 76.9 351.9 90.9 201.8 284.3 78.5 211.0 344.6 35.7 51.9 827.5 48.2 312.0 308.7 317.5 83.2 132.1 121.5 86.7 252.9

(2.5) (8.5) (8.3) (2.1) (8.8) (3.4) (4.2) (3.8) (2.7) (2.8) (23.6) (1.6) (2.2) (22.4) (0.8) (8.1) (4.8) (6.3) (1.5) (3.2) (3.3) (2.7) (3.4)


(1.3) (5.0) (5.2) (1.0) (5.6) (3.7) (2.5) (2.5) (0.3) (4.9) (7.1) (1.2) (1.1) (13.7) (0.4) (6.2) (3.3) (5.7) (0.4) (2.0) (0.9) (1.6) (1.6)

DL1000i Has debt 48.5 59.3 54.5 50.2 57.4 21.3 56.4 56.0 39.9 23.8 69.5 40.7 25.4 59.1 32.1 38.7 84.0 41.4 41.3 51.1 32.6 37.1 62.3

(0.4) (1.4) (1.4) (1.2) (0.9) (1.3) (1.0) (0.8) (2.0) (0.9) (2.0) (1.8) (1.5) (1.6) (0.7) (1.4) (0.9) (1.6) (0.9) (0.9) (1.2) (1.5) (0.6)

DN3001 Net wealth 203.0 311.3 277.0 66.1 288.0 83.9 167.4 242.7 75.2 201.5 280.6 30.6 49.2 732.4 43.9 290.1 169.9 278.9 77.5 103.1 116.1 78.6 195.1

(1.9) (7.1) (9.5) (2.1) (7.5) (3.7) (5.1) (4.7) (2.9) (2.6) (19.2) (1.9) (2.2) (19.7) (0.9) (9.7) (6.1) (7.9) (1.8) (2.9) (3.3) (2.2) (3.2)

Non-owners DH Households 39.7 30.7 56.1 24.7 30.5 28.0 24.1 42.2 14.7 31.6 31.8 27.3 6.8 31.0 16.0 18.6 42.5 54.1 20.7 25.5 23.7 11.2 33.7

(0.2) (1.3) (0.1) (1.1) (0.1) (0.1) (0.7) (0.9) (1.2) (0.7) (1.8) (1.8) (0.8) (1.3) (0.6) (1.0) (0.1) (0.5) (0.6) (0.9) (1.1) (0.8) (0.5)

DA3001 Total assets 11.0 7.9 13.4 2.5 8.3 4.3 8.1 12.7 2.1 7.1 10.5 0.5 1.8 28.7 1.4 10.8 14.1 16.3 2.8 4.5 5.4 3.3 4.9

(0.4) (1.8) (0.8) (0.5) (1.0) (0.7) (0.6) (0.7) (0.7) (0.5) (2.0) (0.3) (0.9) (4.5) (0.3) (1.4) (1.4) (0.8) (0.3) (0.9) (0.5) (0.9) (0.2)


(0.2) (1.0) (0.4) (0.2) (0.4) (0.8) (0.9) (0.4) (0.4) (0.7) (3.8) (0.3) (0.7) (1.6) (0.2) (3.8) (0.8) (0.3) (0.1) (0.7) (1.1) (0.7) (0.4)

DL1000i Has debt 31.9 28.5 38.3 41.3 38.0 15.7 40.9 31.1 45.5 16.0 29.4 36.8 35.3 40.1 29.2 14.9 22.3 25.4 37.4 30.0 31.0 33.2 49.5

(0.6) (2.4) (1.3) (2.6) (2.6) (2.3) (1.8) (1.0) (4.7) (1.2) (3.6) (3.7) (6.9) (2.7) (2.0) (2.5) (1.6) (1.1) (1.7) (2.0) (2.1) (3.7) (1.3)

DN3001 Net wealth 9.0 6.5 10.4 1.9 5.9 3.5 6.1 10.8 0.5 7.0 9.5 0.2 0.8 23.0 1.0 10.0 12.9 14.8 2.3 3.1 3.6 2.2 2.4

(0.3) (1.6) (1.1) (0.4) (0.9) (0.6) (1.1) (0.4) (0.4) (0.4) (2.1) (0.2) (0.9) (4.4) (0.3) (1.3) (1.2) (0.8) (0.3) (0.6) (0.7) (1.0) (0.3)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Owners include outright owners of the household main residence and owners of the household main residence with mortgage. Non-owners include non-owners of the household main residence (renters and free/other use category). Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits - sight and saving accounts, mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabil ities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). Net wealth is the difference between total household assets and total household liabilities. See country notes: AT1, AT2, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV2, LV3, LV4, LV5, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table A2 Main aggregates - means broken down by ownership of the household main residence EUR thousands / % of households


All DA3001 Total assets 259.4 411.6 262.4 122.6 426.5 101.3 292.5 274.8 110.7 224.8 569.7 48.5 89.4 1002.7 75.7 422.6 278.2 269.0 101.5 186.4 150.8 112.8 251.5

(3.2) (21.5) (9.2) (8.5) (12.5) (3.7) (7.4) (5.3) (8.7) (5.5) (58.7) (2.9) (5.8) (47.6) (2.5) (29.0) (9.7) (22.2) (2.2) (7.2) (7.2) (4.9) (2.3)


(1.3) (3.6) (3.5) (1.2) (7.8) (4.3) (2.2) (2.1) (1.2) (4.3) (9.9) (1.7) (1.5) (10.0) (0.5) (3.0) (4.4) (4.2) (0.9) (1.0) (1.8) (1.8) (1.2)

DL1000i Has debt 41.9 49.9 45.4 48.0 51.5 19.7 52.7 45.5 40.7 21.4 56.8 39.6 26.1 53.2 31.6 34.3 57.8 32.7 40.5 45.7 32.2 36.6 58.0

(0.3) (1.2) (0.9) (1.1) (1.0) (1.2) (0.8) (0.7) (1.8) (0.7) (1.7) (1.5) (1.6) (1.4) (0.7) (1.2) (0.8) (1.0) (0.8) (0.8) (1.1) (1.4) (0.6)

DN3001 Net wealth 229.2 366.2 232.8 111.9 367.8 93.9 258.6 242.0 106.6 214.3 499.7 43.0 84.3 897.9 71.8 400.7 186.0 250.3 95.6 162.3 144.3 103.5 206.6

(3.1) (21.4) (8.7) (8.4) (11.5) (3.8) (7.1) (5.1) (8.7) (5.1) (56.7) (2.7) (5.8) (46.9) (2.5) (28.8) (9.7) (22.7) (2.1) (7.2) (7.2) (4.9) (2.2)

Owners DH Households 60.3 69.3 43.9 75.3 69.5 72.0 75.9 57.9 85.3 68.5 68.2 72.7 93.2 69.0 84.0 81.4 57.5 45.9 79.3 74.5 76.3 88.8 66.3

(0.2) (1.3) (0.1) (1.1) (0.1) (0.1) (0.7) (0.9) (1.2) (0.7) (1.8) (1.8) (0.8) (1.3) (0.6) (1.0) (0.1) (0.5) (0.6) (0.9) (1.1) (0.8) (0.5)

DA3001 Total assets 392.4 555.8 518.9 146.3 587.4 130.4 363.2 432.1 127.4 313.5 775.8 61.6 94.5 1358.8 87.0 509.5 427.2 513.4 122.7 237.6 189.0 125.1 362.6

(4.9) (30.1) (20.8) (7.8) (18.3) (4.9) (9.4) (7.2) (10.1) (7.2) (84.3) (3.5) (6.3) (64.1) (2.9) (34.8) (14.0) (34.8) (2.6) (9.7) (9.3) (5.5) (3.7)


(1.7) (4.1) (6.4) (1.4) (10.8) (3.7) (2.5) (2.2) (1.3) (5.5) (10.9) (2.1) (1.6) (11.7) (0.6) (3.1) (4.8) (7.3) (1.1) (1.2) (2.2) (1.9) (1.6)

DL1000i Has debt 48.5 59.3 54.5 50.2 57.4 21.3 56.4 56.0 39.9 23.8 69.5 40.7 25.4 59.1 32.1 38.7 84.0 41.4 41.3 51.1 32.6 37.1 62.3

(0.4) (1.4) (1.4) (1.2) (0.9) (1.3) (1.0) (0.8) (2.0) (0.9) (2.0) (1.8) (1.5) (1.6) (0.7) (1.4) (0.9) (1.6) (0.9) (0.9) (1.2) (1.5) (0.6)

DN3001 Net wealth 346.2 492.5 459.8 133.2 506.8 121.6 322.1 380.7 122.9 298.9 683.8 55.0 89.1 1219.5 82.6 483.2 270.2 476.3 115.7 206.7 181.4 115.0 299.1

(4.7) (30.2) (19.6) (7.7) (16.8) (4.9) (9.1) (7.0) (10.0) (6.7) (81.4) (3.3) (6.3) (63.5) (2.9) (34.6) (14.1) (35.4) (2.5) (9.7) (9.2) (5.5) (3.4)

Non-owners DH Households 39.7 30.7 56.1 24.7 30.5 28.0 24.1 42.2 14.7 31.6 31.8 27.3 6.8 31.0 16.0 18.6 42.5 54.1 20.7 25.5 23.7 11.2 33.7

(0.2) (1.3) (0.1) (1.1) (0.1) (0.1) (0.7) (0.9) (1.2) (0.7) (1.8) (1.8) (0.8) (1.3) (0.6) (1.0) (0.1) (0.5) (0.6) (0.9) (1.1) (0.8) (0.5)

DA3001 Total assets 57.1 85.5 61.4 50.4 59.0 26.3 69.5 58.9 13.8 32.1 127.8 13.6 20.6 209.9 16.8 42.8 76.8 61.3 20.2 36.7 28.1 14.6 33.0

(2.4) (18.5) (4.1) (24.3) (10.1) (2.7) (10.4) (4.3) (4.2) (4.0) (26.8) (5.1) (8.0) (40.3) (2.6) (5.1) (13.9) (27.6) (2.8) (4.7) (7.2) (2.3) (2.1)


(1.1) (3.1) (1.5) (1.5) (4.1) (11.3) (4.1) (3.1) (1.0) (1.0) (26.8) (1.8) (1.5) (14.5) (0.6) (3.6) (4.6) (1.9) (1.1) (1.7) (1.0) (2.7) (1.1)

DL1000i Has debt 31.9 28.5 38.3 41.3 38.0 15.7 40.9 31.1 45.5 16.0 29.4 36.8 35.3 40.1 29.2 14.9 22.3 25.4 37.4 30.0 31.0 33.2 49.5

(0.6) (2.4) (1.3) (2.6) (2.6) (2.3) (1.8) (1.0) (4.7) (1.2) (3.6) (3.7) (6.9) (2.7) (2.0) (2.5) (1.6) (1.1) (1.7) (2.0) (2.1) (3.7) (1.3)

DN3001 Net wealth 51.1 80.7 54.9 46.8 50.5 22.6 58.6 51.6 11.7 30.6 105.1 11.3 18.8 182.0 15.4 40.5 72.0 58.2 18.3 32.6 25.1 12.0 24.7

(2.4) (18.5) (4.0) (24.3) (10.1) (3.3) (9.0) (4.3) (4.3) (4.0) (24.3) (4.5) (7.9) (38.7) (2.5) (5.1) (13.8) (27.5) (2.7) (4.5) (7.2) (2.1) (2.0)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Owners include outright owners of the household main residence and owners of the household main residence with mortgage. Non-owners include non-owners of the household main residence (renters and free/other use category). Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits - sight and saving accounts, mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabil ities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). Net wealth is the difference between total household assets and total household liabilities. See country notes: AT1, AT2, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV2, LV3, LV4, LV5, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table A3 Net wealth medians - breakdowns EUR thousands


Total population ALL 99.4 212.5 70.8 47.7 185.0 60.0 119.1 117.6 61.5 132.3 195.9 20.5 45.9 498.5 35.9 236.1 67.4 82.7 60.5 74.8 91.6 70.3 107.2

(1.4) (9.4) (3.4) (2.1) (6.2) (2.4) (3.0) (5.3) (3.2) (3.0) (15.7) (1.5) (2.0) (23.4) (1.1) (6.4) (4.1) (3.9) (1.4) (2.3) (3.1) (2.7) (3.3)

Income Bottom 20% 18.7 10.9 3.6 17.7 88.2 25.1 48.8 11.5 48.6 34.0 14.8 5.7 36.0 86.9 19.5 135.6 12.4 8.9 29.8 33.0 51.9 36.9 7.6

(1.4) (7.3) (0.8) (4.3) (8.8) (2.6) (4.2) (1.4) (9.3) (7.4) (13.5) (1.8) (3.1) (40.8) (1.3) (12.6) (2.0) (1.2) (1.5) (5.2) (6.8) (2.4) (2.0)

20-40% 49.5 155.3 27.1 30.2 131.5 42.0 76.7 33.8 49.7 76.8 118.0 14.5 33.6 271.8 30.1 198.7 29.2 25.9 43.7 51.2 70.1 57.0 58.5

(2.8) (18.7) (6.2) (3.8) (10.4) (4.7) (5.0) (3.9) (4.3) (6.6) (32.0) (3.0) (5.1) (91.3) (1.7) (20.2) (4.7) (3.0) (2.2) (3.5) (5.2) (3.4) (6.8)

40-60% 100.7 205.9 64.8 39.2 149.7 70.4 122.3 113.8 52.5 131.0 164.4 19.2 45.1 487.4 36.1 198.0 64.8 82.7 60.9 64.8 90.0 61.0 109.6

(3.9) (23.2) (9.6) (4.2) (12.5) (6.6) (6.7) (8.5) (4.6) (5.9) (36.3) (3.5) (4.1) (68.2) (1.7) (16.9) (10.7) (11.4) (3.0) (4.7) (5.3) (4.6) (7.8)

60-80% 150.1 263.6 118.6 60.5 213.4 75.8 158.1 183.9 61.2 183.0 244.0 27.1 57.7 644.1 43.0 261.6 106.3 148.3 76.4 91.2 99.9 88.6 154.4

(4.6) (26.1) (13.8) (4.4) (14.0) (8.2) (10.6) (6.9) (10.4) (6.6) (29.6) (4.1) (3.8) (41.0) (2.3) (18.7) (13.7) (17.8) (3.9) (6.6) (5.4) (5.4) (5.7)

80-90% 228.6 360.6 219.4 78.1 330.2 106.1 227.7 276.3 81.5 242.0 348.7 37.3 63.7 944.3 57.9 316.2 174.3 227.2 101.5 135.2 129.7 105.6 198.7

(6.2) (47.7) (17.2) (6.4) (15.8) (12.5) (17.8) (14.2) (10.0) (13.2) (82.3) (5.3) (8.2) (114.1) (4.5) (37.1) (18.6) (24.0) (5.0) (9.3) (14.3) (10.0) (7.8)

90-100% 411.2 476.0 460.6 150.9 599.8 149.6 432.0 494.1 128.0 399.5 748.4 76.9 73.3 1369.4 88.7 515.4 274.4 402.6 127.8 291.6 213.2 170.5 396.4

(11.1) (31.9) (28.6) (14.0) (47.7) (14.5) (25.4) (16.6) (21.8) (25.2) (157.7) (7.1) (12.3) (120.2) (7.1) (138.7) (26.0) (36.6) (8.0) (17.4) (15.2) (16.9) (14.4)

Net wealth Bottom 20% 1.0 1.9 0.1 0.4 1.1 1.0 0.8 2.7 2.6 2.7 1.1 < 0.1 11.2 7.1 1.6 11.1 < 0.1 2.0 1.8 0.9 1.9 7.8 < 0.1

(0.1) (0.6) (0.1) (0.3) (0.3) (0.2) (0.3) (0.2) (1.1) (0.3) (0.8) (0.1) (1.7) (1.5) (0.4) (1.7) (0.3) (0.3) (0.3) (0.2) (0.4) (1.3) (0.1)

20-40% 24.0 80.0 11.9 17.5 59.4 24.7 51.9 23.7 32.1 44.4 51.9 7.6 28.9 157.1 17.2 132.2 15.4 18.0 32.6 33.0 46.6 40.0 22.7

(0.8) (8.6) (1.1) (1.9) (4.0) (1.9) (2.6) (1.6) (2.5) (4.4) (10.6) (1.1) (1.7) (20.0) (0.8) (4.5) (1.4) (0.9) (1.0) (2.8) (2.6) (2.0) (1.7)

40-60% 99.4 212.6 71.1 47.7 185.2 60.1 119.1 117.9 61.7 132.3 196.4 20.5 46.1 498.8 35.9 236.1 67.5 82.9 60.5 74.8 91.7 70.3 107.4 (1.4) (9.4) (3.5) (2.1) (6.2) (2.4) (3.0) (5.3) (3.3) (3.0) (15.1) (1.5) (2.1) (23.5) (1.0) (6.3) (4.1) (3.9) (1.4) (2.3) (3.2) (2.7) (3.3)

60-80% 218.9 363.7 215.7 85.4 343.8 102.9 228.6 247.2 100.5 227.5 354.5 40.1 73.4 839.5 63.1 365.8 179.5 236.7 102.4 136.6 145.8 104.8 222.2

(2.4) (11.0) (6.6) (2.6) (10.9) (3.8) (6.8) (6.2) (3.3) (4.2) (31.5) (1.8) (3.4) (25.7) (1.3) (11.6) (5.3) (5.4) (1.9) (4.0) (4.4) (2.9) (3.6)

80-90% 399.8 583.6 429.3 157.8 632.2 171.4 411.6 428.0 162.0 372.7 674.4 66.7 120.3 1363.5 106.9 574.4 334.6 403.0 157.6 247.4 234.1 161.8 382.9

(4.1) (23.2) (14.5) (7.2) (19.1) (8.0) (10.3) (7.9) (7.3) (8.2) (52.8) (4.7) (6.2) (64.2) (3.6) (32.0) (11.4) (10.0) (3.9) (9.5) (8.1) (8.1) (5.4)

90-100% 782.2 1067.5 861.5 362.7 1358.8 324.5 839.9 803.2 305.0 700.9 1737.9 154.7 295.1 2660.6 213.5 1060.6 668.0 867.5 265.8 516.1 406.6 298.2 699.5

(12.0) (106.7) (52.3) (23.7) (70.4) (21.9) (36.6) (18.4) (27.8) (25.7) (260.1) (10.2) (44.8) (175.6) (10.2) (230.0) (29.7) (46.7) (9.3) (23.7) (33.6) (27.2) (11.7)

Household size 1 43.1 122.3 22.4 22.2 133.9 33.4 83.5 46.5 40.7 78.7 45.1 13.8 39.4 306.7 26.9 149.6 25.3 19.7 34.2 50.7 52.5 42.0 50.4

(2.0) (15.2) (4.1) (2.8) (9.4) (3.5) (4.5) (4.9) (4.5) (5.8) (23.7) (2.1) (2.2) (43.2) (1.5) (14.3) (2.9) (1.4) (1.3) (3.5) (4.8) (3.4) (4.0)

2 143.7 283.6 123.5 62.3 226.0 66.5 152.0 195.5 70.1 165.7 186.0 20.9 50.4 738.0 38.9 230.4 104.1 141.5 55.1 83.4 106.0 71.1 167.2

(4.0) (21.3) (13.5) (3.6) (9.3) (5.1) (7.0) (6.8) (4.6) (6.8) (38.3) (2.5) (3.5) (33.9) (1.6) (11.5) (10.8) (9.4) (1.9) (4.0) (3.7) (3.8) (4.5)

3 116.8 235.9 99.8 66.3 144.1 71.9 117.7 113.8 60.9 167.1 195.4 27.7 52.7 521.5 39.2 243.7 95.1 159.8 68.3 75.6 101.7 77.0 133.7

(4.0) (26.2) (18.1) (4.7) (18.1) (6.5) (7.9) (10.0) (8.1) (8.5) (35.6) (6.2) (4.5) (65.6) (2.3) (15.0) (19.2) (25.4) (3.4) (5.1) (4.5) (6.7) (6.6)

4 143.1 291.2 152.2 72.9 227.8 70.4 148.5 161.9 75.1 154.8 320.7 43.5 67.0 569.8 51.5 301.2 129.9 208.5 84.4 90.2 122.2 87.4 154.7

(5.2) (29.0) (23.9) (5.6) (16.3) (7.2) (10.2) (9.4) (7.4) (12.2) (45.1) (8.8) (13.9) (51.4) (3.1) (14.9) (13.2) (22.5) (4.9) (7.9) (8.2) (5.7) (7.6)

5+ 112.8 230.0 90.2 90.0 203.6 91.0 110.7 95.6 84.3 118.2 307.6 33.7 54.0 486.3 46.4 280.0 133.2 242.5 109.0 105.6 116.0 86.0 176.4

(7.0) (42.2) (36.3) (7.9) (21.1) (14.1) (19.7) (20.5) (17.0) (16.3) (59.7) (8.6) (12.6) (73.0) (5.9) (38.7) (26.6) (41.3) (4.3) (13.3) (14.0) (9.5) (12.1)

Housing status Owners - outright 226.7 391.1 317.4 65.0 339.1 88.1 200.8 289.5 75.8 206.0 305.6 29.3 49.7 845.3 45.5 310.3 341.2 290.7 77.5 118.6 116.9 82.0 245.8

(2.7) (16.0) (12.0) (2.7) (13.0) (3.8) (5.4) (5.2) (3.1) (2.8) (29.1) (1.9) (2.0) (29.6) (1.1) (8.5) (17.7) (12.0) (2.0) (4.1) (3.4) (2.2) (5.1)



Owners - with mortgage 156.9 232.3 218.9 67.9 224.7 56.1 114.8 164.7 67.4 142.3 247.5 42.2 41.4 502.5 35.9 187.0 139.8 266.0 77.9 85.3 103.9 57.7 142.3 (3.3) (14.7) (12.8) (2.7) (10.7) (9.1) (5.6) (4.7) (8.8) (11.6) (21.8) (7.7) (11.0) (32.2) (1.9) (18.0) (5.6) (9.7) (5.6) (4.4) (9.3) (6.7) (3.5)

Renters / other 9.0 6.5 10.4 1.9 5.9 3.5 6.1 10.8 0.5 7.0 9.5 0.2 0.8 23.0 1.0 10.0 12.9 14.8 2.3 3.1 3.6 2.2 2.4

(0.3) (1.6) (1.1) (0.4) (0.9) (0.6) (1.1) (0.4) (0.4) (0.4) (2.1) (0.2) (0.9) (4.4) (0.3) (1.3) (1.2) (0.8) (0.3) (0.6) (0.7) (1.0) (0.3)

Age of RP 16-34 14.2 60.3 9.6 19.5 22.5 5.4 15.0 19.2 19.5 18.0 30.8 14.6 37.4 129.6 16.1 132.2 16.6 15.9 35.3 14.1 9.1 33.6 10.2

(0.8) (16.2) (1.6) (4.1) (8.1) (1.6) (5.2) (1.6) (10.6) (3.7) (23.8) (5.0) (5.8) (26.9) (2.2) (12.7) (3.6) (2.3) (3.4) (5.3) (3.1) (6.2) (1.0)

35-44 70.2 131.6 56.4 60.4 94.4 50.6 71.6 73.5 58.2 85.0 236.9 23.3 53.7 322.9 35.2 228.3 60.0 62.9 71.5 62.6 88.4 67.0 93.4

(3.5) (15.3) (10.2) (5.9) (9.8) (7.7) (6.6) (7.0) (8.1) (9.2) (28.5) (5.9) (5.0) (48.3) (1.6) (20.7) (10.7) (9.1) (5.1) (4.1) (7.7) (7.5) (6.7)

45-54 129.2 265.0 139.0 65.9 225.7 78.2 120.9 150.2 66.4 136.4 249.9 25.7 54.5 513.7 47.0 310.2 89.6 141.8 82.1 86.3 103.8 80.0 146.8

(3.6) (18.2) (12.7) (4.4) (11.5) (7.7) (6.8) (10.7) (6.4) (7.1) (26.5) (5.0) (5.0) (61.3) (1.6) (16.8) (14.5) (13.0) (4.4) (6.2) (6.3) (5.4) (8.5)

55-64 166.4 338.1 182.5 59.1 269.2 84.1 192.1 173.0 76.2 181.3 253.4 25.6 49.2 670.5 43.0 320.0 129.6 166.6 69.0 94.6 105.8 95.0 175.0

(5.2) (25.9) (20.1) (3.5) (20.2) (6.5) (9.4) (8.5) (6.1) (10.3) (51.8) (3.1) (5.5) (54.3) (2.6) (26.6) (15.1) (14.9) (2.4) (6.5) (4.4) (4.7) (7.6)

65-74 166.5 275.0 177.4 44.4 277.8 68.1 180.5 217.4 68.2 174.5 151.1 19.2 49.7 872.0 41.6 233.2 111.6 132.3 57.8 87.8 100.2 70.6 203.0

(4.7) (29.8) (26.6) (6.9) (18.5) (5.5) (10.9) (7.8) (5.5) (8.4) (47.3) (3.3) (4.1) (67.8) (2.0) (14.7) (15.4) (17.5) (2.4) (5.5) (5.1) (3.6) (7.9)

75+ 114.2 262.3 82.0 40.3 232.6 54.4 128.9 165.2 60.0 124.6 31.2 13.5 34.8 734.0 31.1 180.5 75.2 77.2 41.3 79.7 86.5 46.5 154.8

(4.2) (28.0) (11.2) (5.4) (17.9) (3.8) (11.4) (7.9) (9.0) (5.1) (36.2) (2.8) (3.4) (87.9) (2.3) (22.9) (15.7) (14.0) (2.4) (6.0) (7.1) (5.0) (7.2)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Net wealth is the difference between total household assets and total household liabilities. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabilities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bill ing period) - unless otherwise specified for a given country (see country notes below for more detail). Income quantiles are quantiles of the euro area sample for all euro area countries column, quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV1, LV2, LV3, LV4, LV5, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table A4 Net wealth, means - breakdowns EUR thousands



(3.1) (21.4) (8.7) (8.4) (11.5) (3.8) (7.1) (5.1) (8.7) (5.1) (56.7) (2.7) (5.8) (46.9) (2.5) (28.8) (9.7) (22.7) (2.1) (7.2) (7.2) (4.9) (2.2)

Income Bottom 20% 73.6 121.7 54.1 39.0 167.7 39.9 88.9 79.7 109.8 79.3 137.4 11.4 62.8 305.8 32.0 211.4 75.6 67.5 42.2 63.6 77.2 48.3 63.0 (2.3) (12.7) (6.9) (5.1) (17.2) (4.0) (6.5) (6.0) (25.6) (4.3) (51.7) (1.4) (9.8) (48.0) (4.2) (17.6) (11.2) (6.6) (1.6) (4.3) (4.9) (3.4) (3.5)

20-40% 114.4 254.8 138.9 59.2 211.0 58.4 133.4 113.7 64.0 105.0 243.3 28.5 57.9 530.1 43.5 316.7 98.6 113.0 60.1 79.2 96.3 76.7 111.3

(4.3) (34.3) (23.4) (4.9) (20.7) (4.6) (10.4) (9.0) (6.5) (4.7) (79.9) (3.6) (16.3) (111.3) (3.1) (46.0) (9.0) (9.4) (2.5) (4.5) (11.0) (7.4) (4.4)

40-60% 176.7 399.5 160.3 73.7 288.7 96.5 192.7 172.7 69.8 165.3 304.7 27.5 83.1 626.2 60.6 265.3 138.8 178.8 85.7 103.8 128.4 83.4 170.9

(6.7) (85.2) (12.4) (11.1) (16.9) (10.0) (13.6) (6.3) (5.1) (6.8) (75.3) (3.1) (21.2) (50.8) (4.6) (19.1) (15.1) (11.7) (3.8) (6.2) (10.7) (9.3) (5.4)

60-80% 238.8 410.4 237.3 130.8 374.5 101.9 254.0 246.6 98.7 247.5 481.1 47.1 95.0 924.4 70.1 427.7 178.6 260.8 102.6 151.6 147.0 107.8 214.5

(5.8) (42.9) (14.7) (18.3) (27.1) (7.0) (15.2) (8.5) (10.6) (10.1) (114.6) (8.5) (14.8) (70.8) (4.5) (53.5) (13.6) (23.7) (4.8) (10.1) (17.0) (8.0) (4.9)

80-90% 349.0 522.3 351.7 136.7 634.2 140.2 359.5 354.2 118.6 327.6 676.9 58.0 102.1 1438.2 91.1 462.5 314.9 332.1 138.5 194.5 202.0 156.6 281.8

(11.6) (78.6) (27.0) (16.7) (68.0) (11.9) (26.7) (12.6) (34.1) (16.8) (193.8) (7.2) (17.5) (195.3) (9.5) (80.1) (48.9) (35.2) (9.1) (14.0) (23.2) (23.7) (10.8)

90-100% 736.1 773.0 798.1 377.7 962.9 206.3 890.7 840.8 264.6 621.6 1998.4 144.1 145.3 2784.9 215.3 1117.7 563.0 932.3 236.3 632.4 344.4 247.0 665.2

(22.6) (81.9) (58.3) (70.8) (88.5) (19.3) (56.9) (31.5) (64.2) (40.2) (449.6) (15.9) (19.2) (342.3) (19.5) (236.7) (75.9) (225.6) (13.9) (62.4) (50.8) (30.3) (18.3)

Net wealth Bottom 20% -4.5 1.7 -6.8 0.5 -9.2 -3.9 -2.9 -1.3 3.7 2.9 -15.6 -0.6 8.5 9.2 1.8 22.0 -36.1 -2.9 3.8 0.8 1.1 8.7 -6.1

(0.9) (1.5) (3.0) (0.4) (6.7) (2.5) (1.3) (1.8) (1.0) (0.4) (4.8) (0.3) (1.3) (2.9) (0.3) (3.1) (5.6) (2.6) (0.5) (0.6) (1.5) (1.2) (0.7)

20-40% 26.7 77.1 13.3 18.0 61.9 25.0 51.8 27.4 32.2 46.8 57.5 7.5 28.9 174.5 17.9 128.1 16.5 19.4 32.3 33.0 45.1 39.6 26.8

(0.7) (7.1) (1.0) (1.4) (2.7) (1.8) (2.4) (1.9) (2.2) (3.0) (9.1) (1.0) (1.9) (18.1) (0.6) (5.6) (1.2) (0.8) (1.0) (1.9) (2.9) (1.7) (1.4)

40-60% 101.3 214.4 73.4 47.7 185.4 60.3 120.3 118.3 62.8 133.9 190.8 20.9 46.5 499.4 36.3 233.0 69.4 86.7 61.1 75.6 91.7 69.8 109.0

(1.4) (8.9) (3.0) (1.8) (4.4) (2.6) (3.1) (4.4) (2.5) (3.0) (12.8) (1.6) (1.9) (18.8) (0.8) (7.5) (3.5) (3.5) (1.3) (2.3) (2.7) (2.1) (2.4)

60-80% 224.9 372.5 222.1 87.9 357.4 106.7 232.0 253.3 103.0 232.5 371.9 40.3 75.1 853.3 63.7 373.5 182.9 236.8 103.4 139.2 147.9 107.3 226.2

(2.2) (10.5) (6.9) (2.4) (9.2) (4.4) (4.9) (5.3) (3.9) (3.6) (25.1) (2.0) (3.1) (25.2) (1.3) (11.3) (5.5) (6.1) (1.9) (3.8) (4.3) (3.0) (3.0)

80-90% 406.0 601.5 436.4 161.0 649.6 175.5 419.9 434.0 165.8 380.8 686.6 69.4 122.1 1404.6 110.1 584.9 341.6 408.7 159.5 251.0 236.4 164.2 387.9

(4.3) (22.8) (13.0) (6.9) (18.2) (8.0) (11.3) (8.3) (7.4) (7.6) (55.8) (5.2) (6.3) (65.2) (2.7) (24.9) (11.5) (11.5) (3.3) (7.5) (7.4) (7.2) (4.7)

90-100% 1189.7 1731.8 1290.9 651.0 1840.0 388.6 1368.5 1191.4 499.9 931.2 3127.2 228.9 404.4 4521.2 369.8 1932.6 1055.5 1417.2 395.2 876.6 637.8 421.6 966.8

(25.8) (190.3) (73.5) (79.7) (98.0) (22.3) (60.7) (35.5) (81.0) (39.3) (519.2) (22.2) (50.9) (410.0) (22.4) (261.4) (87.3) (220.8) (16.1) (65.4) (61.2) (39.5) (17.2)

Household size 1 144.8 225.9 141.8 44.3 266.5 62.3 183.5 147.8 67.6 141.4 160.9 25.6 69.9 558.2 49.1 361.9 116.2 147.9 54.5 100.1 86.4 58.3 121.3

(4.9) (23.7) (13.1) (3.3) (21.6) (5.5) (12.7) (5.9) (8.4) (5.5) (36.7) (2.7) (11.4) (73.4) (3.9) (74.0) (13.0) (34.4) (1.9) (6.8) (6.2) (5.3) (4.4)

2 283.4 427.6 290.9 147.7 395.2 95.9 332.9 315.1 133.2 259.6 559.0 39.9 83.8 1329.0 72.5 407.1 219.4 246.7 78.2 167.7 142.3 107.3 271.2

(5.8) (28.6) (15.3) (24.7) (22.4) (4.9) (18.0) (9.2) (27.9) (11.2) (152.5) (3.3) (9.8) (148.5) (4.4) (50.0) (15.1) (13.2) (3.0) (11.4) (8.1) (11.7) (6.3)

3 236.0 401.3 265.5 142.4 352.8 109.5 212.3 253.8 93.6 241.1 319.2 50.6 95.7 831.0 79.4 400.8 191.6 322.4 102.2 148.6 160.4 116.0 240.0

(7.1) (60.4) (25.6) (22.6) (38.1) (9.7) (11.0) (13.6) (8.8) (11.8) (45.4) (7.9) (12.2) (84.2) (6.9) (57.2) (23.5) (30.5) (4.9) (10.4) (19.5) (14.3) (14.0)

4 276.3 408.3 321.6 166.7 452.4 106.8 279.1 294.2 110.3 247.7 733.6 75.7 118.1 891.5 98.3 472.1 232.1 338.0 110.4 202.1 180.4 117.6 277.0

(8.8) (43.3) (34.2) (22.5) (53.3) (9.5) (18.2) (13.8) (13.3) (17.4) (139.9) (13.9) (13.9) (103.6) (8.3) (64.2) (24.7) (38.1) (4.1) (18.4) (20.9) (8.8) (15.6)

5+ 318.3 616.1 365.5 204.2 439.9 129.2 315.0 261.9 141.3 253.3 849.2 66.9 105.9 976.5 95.3 314.9 338.0 634.8 171.5 351.8 240.6 115.5 285.6 (20.2) (212.1) (57.8) (33.8) (47.4) (18.0) (40.8) (16.3) (24.7) (33.3) (178.6) (12.9) (22.0) (243.6) (7.9) (26.6) (104.4) (352.7) (10.3) (93.4) (39.5) (15.4) (19.0)


(5.4) (32.5) (22.4) (8.5) (25.1) (5.4) (14.1) (9.6) (11.0) (6.7) (79.3) (3.3) (7.2) (110.9) (3.4) (32.1) (60.5) (49.6) (2.8) (13.1) (7.5) (6.5) (6.2)




Renters / other 51.1 80.7 54.9 46.8 50.5 22.6 58.6 51.6 11.7 30.6 105.1 11.3 18.8 182.0 15.4 40.5 72.0 58.2 18.3 32.6 25.1 12.0 24.7

(2.4) (18.5) (4.0) (24.3) (10.1) (3.3) (9.0) (4.3) (4.3) (4.0) (24.3) (4.5) (7.9) (38.7) (2.5) (5.1) (13.8) (27.5) (2.7) (4.5) (7.2) (2.1) (2.0)

Age of RP 16-34 66.5 128.4 53.5 95.3 166.3 36.1 67.4 64.7 56.4 82.0 142.7 27.7 65.3 334.2 50.0 235.0 79.4 72.1 62.4 70.6 54.8 56.8 54.3

(4.0) (21.9) (8.9) (34.7) (50.3) (6.1) (8.6) (4.1) (17.0) (8.6) (33.6) (3.5) (12.4) (69.6) (7.0) (73.5) (20.3) (8.9) (3.9) (11.1) (6.9) (6.7) (5.3)

35-44 158.5 220.3 160.2 117.5 247.6 79.0 136.4 185.3 91.0 148.3 430.1 58.0 92.6 611.0 74.7 428.6 120.2 220.2 106.4 125.9 166.7 94.9 173.6

(5.4) (18.8) (14.7) (12.2) (29.9) (6.5) (9.8) (13.1) (8.9) (13.0) (58.4) (10.2) (12.1) (111.6) (6.3) (62.2) (14.3) (20.0) (5.8) (10.2) (27.2) (8.9) (8.1)

45-54 271.7 355.6 341.2 173.2 417.2 109.6 245.7 272.2 114.1 225.6 649.3 44.0 104.4 832.6 93.1 475.4 215.5 314.3 119.9 199.2 157.2 109.2 255.2

(9.8) (35.5) (31.8) (24.3) (31.2) (9.8) (16.6) (11.7) (16.5) (14.2) (118.8) (5.0) (11.7) (68.4) (6.2) (85.6) (33.3) (76.3) (6.8) (21.6) (14.4) (8.0) (10.5)

55-64 306.7 628.3 317.0 118.1 511.7 122.5 337.8 298.7 134.9 268.7 872.0 57.5 94.0 1065.5 77.1 517.8 273.9 419.9 119.4 206.4 161.5 162.8 289.4

(8.1) (96.9) (22.6) (10.3) (44.4) (10.6) (17.6) (10.0) (29.9) (14.0) (284.0) (7.1) (18.9) (127.5) (4.8) (73.7) (27.6) (79.8) (4.5) (15.5) (12.0) (17.2) (12.1)

65-74 297.0 397.1 324.7 88.3 449.1 99.2 379.2 333.2 128.9 261.2 468.8 42.6 87.9 1252.8 74.2 384.9 222.4 238.1 74.7 173.2 158.7 90.6 295.5

(6.9) (33.5) (22.4) (9.9) (31.4) (7.8) (21.6) (11.9) (29.2) (11.4) (70.4) (5.9) (31.4) (102.0) (7.4) (55.3) (19.1) (19.0) (2.9) (18.7) (18.1) (6.7) (10.0)

75+ 242.0 399.0 215.1 66.9 390.7 86.1 333.5 292.3 86.3 217.6 253.1 20.9 49.3 1743.2 45.6 292.8 206.6 177.0 58.7 154.4 121.0 59.4 218.8

(7.7) (47.3) (18.9) (6.5) (32.4) (6.1) (29.8) (13.9) (7.7) (10.9) (67.3) (2.2) (5.7) (381.0) (2.2) (32.2) (18.7) (16.8) (3.6) (20.1) (11.0) (5.1) (9.0)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Net wealth is the difference between total household assets and total household liabilities. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabilities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bill ing period) - unless otherwise specified for a given country (see country notes below for more detail). Income quantiles are quantiles of the euro area sample for all euro area countries column, quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, ES7, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV1, LV2, LV3, LV4, LV5, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


B. Real assets Table B1 Percentage of households owning real assets % of households


DA1000i Has real assets 91.2 88.3 82.7 87.4 95.1 92.6 92.9 100.0 94.0 96.4 93.8 84.3 96.7 93.9 92.3 95.4 84.7 86.2 91.2 90.7 94.0 95.6 84.7

(0.2) (0.9) (0.7) (0.9) (0.8) (0.7) (0.4) (0.1) (0.8) (0.4) (1.1) (1.5) (0.7) (0.8) (0.5) (0.6) (0.7) (0.5) (0.5) (0.6) (0.6) (0.6) (0.5)

DA1110i Has HMR 60.3 69.3 43.9 75.3 69.5 72.0 75.9 57.9 85.3 68.5 68.2 72.7 93.2 69.0 84.0 81.4 57.5 45.9 79.3 74.5 76.3 88.8 66.3

(0.2) (1.3) (0.1) (1.1) (0.1) (0.1) (0.7) (0.9) (1.2) (0.7) (1.8) (1.8) (0.8) (1.3) (0.6) (1.0) (0.1) (0.5) (0.6) (0.9) (1.1) (0.8) (0.5)

DA1120i Has other real estate property 24.8 18.9 22.4 32.6 20.6 38.8 45.2 22.4 22.7 20.6 44.5 36.6 21.9 26.1 22.0 35.0 6.2 13.0 24.0 29.2 28.1 28.0 31.7

(0.3) (1.1) (0.7) (1.1) (0.7) (1.6) (0.9) (0.5) (1.4) (0.6) (1.9) (1.7) (2.3) (1.3) (0.6) (1.5) (0.5) (0.7) (0.7) (0.9) (1.1) (1.3) (0.5)

DA1130i Has vehicles 76.3 77.1 74.9 47.0 78.3 73.2 75.5 80.3 68.9 77.3 88.4 49.5 61.6 87.2 55.1 82.9 76.5 78.7 65.8 74.6 78.5 68.0 73.3

(0.3) (1.1) (0.8) (1.1) (0.7) (1.2) (0.7) (0.7) (1.3) (0.6) (1.3) (1.7) (1.4) (1.0) (0.7) (0.9) (0.9) (0.7) (0.7) (0.7) (0.9) (1.1) (0.5)

DA1140i Has self-employment business wealth 10.7 10.9 9.3 11.8 18.1 16.1 12.7 9.4 4.6 14.0 17.4 6.5 3.9 5.1 13.3 12.9 3.9 7.0 20.4 14.1 13.7 15.0 6.4

(0.2) (0.9) (0.5) (0.7) (0.8) (1.0) (0.6) (0.3) (0.7) (0.6) (1.4) (1.0) (0.7) (0.6) (0.4) (1.0) (0.4) (0.5) (0.6) (0.7) (0.8) (1.1) (0.2)

DA1400i Has real estate wealth 64.7 72.4 49.9 79.9 71.9 78.5 81.1 62.4 86.9 70.6 74.9 78.3 94.1 74.7 86.9 83.8 59.0 51.2 82.3 78.5 80.2 90.4 70.0

(0.3) (1.2) (0.5) (1.0) (0.4) (0.6) (0.7) (0.8) (1.2) (0.7) (1.8) (1.7) (0.9) (1.3) (0.5) (1.0) (0.3) (0.6) (0.6) (0.8) (1.0) (0.8) (0.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Real assets include the value of the household main residence for homeowners, other real estate property, vehicles, valuables (such as jewellery, works of art, antiques, etc.) and value of self-employment businesses. Real estate wealth includes household main residence and other real estate property. See country notes: AT2, FI1, FI3, FI4, FR1, FR6, HU4, LV2, LV4, LV5, LV6, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table B2 Real assets - conditional medians EUR thousands


DA1000 Total real assets 131.0 260.8 107.0 60.0 233.9 70.0 148.6 138.5 69.8 138.0 232.7 29.9 48.4 601.8 39.4 225.8 192.8 120.8 67.3 100.2 97.4 73.9 168.0

(1.6) (5.3) (4.8) (1.2) (6.9) (3.3) (3.3) (4.1) (2.8) (3.9) (15.5) (2.1) (2.3) (16.5) (1.0) (6.2) (3.5) (7.7) (1.5) (1.5) (2.9) (2.0) (2.2)

DA1110 Value of household's main residence 165.7 270.0 200.0 55.5 250.0 60.0 120.2 192.4 66.2 156.0 200.0 25.5 40.0 652.0 36.5 200.0 234.6 250.0 61.0 99.7 98.0 70.0 156.4 (3.0) (8.2) (3.9) (2.1) (0.9) (1.7) (2.6) (3.0) (3.3) (4.9) (7.6) (1.9) (2.4) (16.7) (1.8) (4.9) (3.8) (7.3) (2.2) (2.3) (4.0) (2.3) (2.0)

DA1120 Value of other real estate property 95.9 197.8 118.0 30.0 287.4 41.3 83.4 120.3 20.0 90.0 139.2 15.0 20.7 380.0 22.7 87.5 103.0 123.7 27.6 50.0 38.4 16.6 105.5

(3.5) (12.5) (11.0) (3.0) (17.9) (3.7) (4.6) (4.0) (3.6) (6.0) (11.5) (1.7) (3.5) (22.0) (1.5) (8.8) (16.8) (14.9) (1.6) (3.2) (3.6) (2.1) (2.5)

DA1130 Value of household's vehicles 6.0 7.0 7.0 3.5 8.0 4.0 6.0 5.5 4.0 5.2 8.0 3.0 2.7 17.0 2.8 7.6 6.5 8.0 3.2 5.0 5.0 5.0 8.1

(0.1) (0.4) (0.4) (0.3) (0.2) (0.2) (0.3) (0.4) (0.2) (0.3) (0.5) (0.2) (0.4) (1.2) (0.2) (0.5) (0.4) (0.1) (0.2) (0.2) (0.1) (0.2) (0.2)

DA1140 Value of self-employment businesses 30.0 24.7 26.4 12.3 24.0 29.5 30.0 47.2 24.5 30.0 101.1 2.0 17.0 152.0 5.0 74.7 70.5 108.1 33.3 23.7 8.3 5.7 18.2

(1.0) (11.3) (4.6) (3.4) (2.6) (3.0) (3.4) (5.5) (11.4) (2.3) (23.7) (0.8) (35.8) (87.7) (0.7) (17.3) (53.9) (37.2) (2.6) (4.1) (2.0) (1.7) (2.4)

DA1400 Real estate wealth 185.5 299.0 220.7 60.0 280.0 74.4 157.4 204.6 70.0 180.0 274.3 30.0 46.9 694.0 38.9 225.0 238.5 246.9 68.2 100.1 100.0 71.3 190.6

(2.8) (8.1) (11.0) (1.6) (6.9) (3.7) (3.9) (2.7) (2.1) (3.8) (15.7) (1.6) (2.9) (21.5) (1.4) (4.8) (4.2) (9.4) (1.2) (2.3) (1.3) (1.6) (2.3)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Real assets include the value of the household main residence for homeowners, other real estate property, vehicles, and valuables (such as jewellery, works of art, antiques, etc.) and value of self-employment businesses. Real estate wealth includes household main residence and other real estate property. Medians are conditional, among households owning the particular assets. See country notes: AT2, FI1, FI3, FI4, FR1, FR6, HU4, LV2, LV4, LV5, LV6, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table B3 Real assets, ownership of HMR - breakdowns % of households



(0.2) (1.3) (0.1) (1.1) (0.1) (0.1) (0.7) (0.9) (1.2) (0.7) (1.8) (1.8) (0.8) (1.3) (0.6) (1.0) (0.1) (0.5) (0.6) (0.9) (1.1) (0.8) (0.5)

Income Bottom 20% 45.3 37.9 15.6 62.3 54.4 62.8 60.7 29.5 85.8 50.6 41.1 61.3 93.6 47.2 81.2 67.7 28.8 25.1 66.6 60.3 66.1 80.5 37.4 (0.7) (3.5) (1.8) (3.4) (1.8) (2.2) (2.1) (1.7) (2.6) (1.9) (5.4) (4.4) (2.1) (3.7) (1.6) (3.0) (2.4) (1.8) (1.5) (2.4) (2.6) (2.1) (1.6)

20-40% 50.6 61.9 34.6 71.0 61.7 65.4 67.2 40.2 84.1 59.3 61.6 68.7 91.2 58.9 82.8 78.7 42.4 33.0 73.2 68.1 78.1 87.5 51.6

(0.8) (3.5) (2.1) (2.8) (1.9) (2.3) (2.0) (1.7) (2.9) (1.8) (5.6) (4.5) (2.9) (4.0) (1.5) (2.8) (2.7) (2.1) (1.6) (2.2) (2.6) (2.0) (1.6)

40-60% 59.8 71.5 43.5 73.6 63.7 73.9 79.0 59.8 86.4 66.5 69.6 70.3 92.2 72.8 82.5 78.0 57.1 46.6 81.5 75.2 70.7 87.3 68.1

(0.8) (3.5) (2.3) (2.5) (1.8) (2.5) (1.9) (1.5) (3.1) (1.8) (4.9) (4.4) (2.1) (3.8) (1.5) (3.0) (2.6) (2.1) (1.6) (2.2) (2.6) (2.3) (1.4)

60-80% 67.9 84.0 56.5 80.3 78.0 75.8 84.7 74.3 78.3 78.8 78.6 75.2 93.6 81.3 84.1 88.1 76.3 55.3 84.8 82.8 76.5 92.1 82.3

(0.8) (2.5) (2.2) (2.2) (1.9) (2.4) (1.7) (1.3) (3.9) (1.5) (3.8) (4.0) (1.6) (2.8) (1.7) (2.4) (2.1) (2.0) (1.5) (1.8) (2.2) (2.0) (1.0)

80-90% 75.1 90.2 66.0 88.9 91.6 76.6 89.6 83.2 91.7 84.1 91.7 88.0 94.7 83.7 89.2 90.9 83.6 62.7 88.1 81.8 87.5 95.7 89.6

(1.1) (3.2) (3.1) (2.2) (1.9) (3.2) (1.8) (1.4) (3.4) (2.2) (4.2) (3.9) (2.3) (3.7) (2.3) (3.5) (3.5) (3.4) (2.1) (2.8) (2.8) (2.1) (1.2)

90-100% 81.2 93.7 73.5 89.9 88.4 87.5 86.5 87.8 92.5 90.2 88.9 88.2 96.0 86.4 89.3 98.4 82.1 76.9 92.6 90.5 92.4 97.8 94.2

(1.0) (1.8) (2.5) (2.1) (2.2) (2.4) (2.6) (1.2) (3.4) (1.6) (4.5) (3.2) (1.6) (3.4) (1.8) (1.0) (3.0) (2.4) (1.5) (1.8) (1.8) (1.3) (0.8)

Net wealth Bottom 20% 7.2 2.9 3.8 19.0 6.2 11.3 20.9 3.2 35.3 1.3 12.3 7.1 70.3 4.1 41.5 21.3 30.4 1.9 17.1 13.8 8.3 52.1 6.0

(0.5) (1.9) (1.1) (3.0) (1.5) (1.8) (1.9) (0.4) (5.1) (0.4) (3.4) (2.9) (4.0) (1.6) (2.4) (3.4) (2.4) (0.7) (2.3) (1.9) (2.6) (3.5) (0.6)

20-40% 30.0 64.0 5.0 76.1 52.2 69.4 74.8 20.5 95.9 50.4 53.9 75.2 99.2 56.4 89.6 93.0 17.2 2.0 89.8 75.5 85.2 95.4 43.5

(1.1) (4.4) (1.1) (3.3) (1.7) (2.9) (2.5) (2.4) (1.9) (3.4) (7.7) (6.5) (0.8) (5.5) (1.2) (2.1) (2.0) (0.7) (1.3) (3.0) (3.2) (2.0) (2.1)

40-60% 79.1 89.1 39.5 90.6 94.3 91.2 92.7 78.8 99.0 95.2 91.7 93.6 98.9 92.5 94.7 94.4 58.3 42.5 94.9 91.8 94.0 98.3 88.9

(0.8) (2.3) (2.3) (1.8) (1.1) (1.6) (1.4) (2.0) (0.9) (0.9) (3.4) (2.5) (0.8) (2.0) (1.0) (1.3) (3.3) (2.4) (0.9) (1.4) (1.2) (1.0) (1.0)

60-80% 91.4 94.7 81.3 95.1 97.6 94.3 96.4 92.1 98.8 97.9 91.4 94.0 99.5 96.8 97.2 98.8 89.7 89.5 97.4 95.8 96.1 99.2 94.8

(0.6) (1.5) (2.1) (1.2) (0.8) (1.1) (0.8) (0.9) (1.0) (0.5) (2.9) (2.2) (0.4) (1.0) (0.7) (1.1) (1.7) (1.3) (0.6) (1.0) (1.1) (0.6) (0.7)

80-90% 94.1 97.8 89.3 97.9 97.7 95.6 95.1 95.2 96.8 98.2 91.8 96.1 99.3 96.3 96.6 100.0 94.3 93.3 97.0 94.8 98.2 98.7 97.7

(0.7) (1.2) (2.5) (1.0) (1.3) (1.4) (1.1) (0.8) (2.0) (0.6) (4.6) (3.2) (0.6) (1.7) (0.8) (0.8) (1.8) (1.8) (1.1) (1.8) (1.1) (0.9) (0.5)

90-100% 94.0 94.5 91.5 93.7 97.0 92.5 94.4 94.5 98.7 97.2 93.1 93.9 97.8 95.0 97.7 100.0 89.4 94.4 97.4 96.5 97.2 100.0 98.8

(0.6) (2.4) (1.9) (1.8) (1.3) (2.2) (1.7) (0.8) (1.3) (1.0) (2.9) (2.6) (1.1) (1.7) (0.7) (0.1) (2.8) (1.4) (1.0) (1.0) (1.5) (0.2) (0.4)

Household size 1 45.1 53.8 28.1 63.0 63.7 61.2 67.7 43.2 81.6 58.7 48.6 66.1 91.5 56.9 80.9 69.3 37.7 27.5 69.6 65.8 66.2 81.1 51.9

(0.6) (2.7) (1.2) (2.3) (1.3) (2.0) (1.7) (1.3) (2.5) (1.5) (5.0) (3.1) (1.6) (3.0) (1.2) (2.9) (1.3) (1.0) (1.4) (2.0) (2.1) (2.0) (1.1)

2 67.2 74.5 54.7 81.2 73.6 77.8 79.1 68.2 88.8 74.7 60.9 75.2 92.9 75.4 84.9 81.3 63.2 52.9 77.0 75.6 87.9 88.9 73.3

(0.5) (2.1) (1.3) (1.7) (1.6) (1.8) (1.2) (1.1) (2.1) (1.2) (3.5) (3.1) (1.3) (2.3) (1.0) (1.9) (1.5) (1.2) (1.2) (1.6) (1.3) (1.6) (0.8)

3 68.9 76.8 52.0 84.2 64.7 75.9 80.5 61.8 85.8 76.0 74.2 75.3 97.2 71.6 83.9 84.5 71.0 56.0 82.1 78.3 77.4 89.4 75.7

(0.8) (3.2) (2.7) (2.2) (2.3) (2.2) (1.6) (1.7) (2.9) (1.5) (4.4) (4.4) (1.1) (3.1) (1.4) (2.0) (3.1) (2.1) (1.4) (1.8) (2.0) (2.0) (1.6)

4 72.0 86.1 58.8 85.1 77.4 71.8 78.8 68.9 85.5 72.2 85.6 79.4 95.5 77.9 88.9 91.9 80.1 64.4 84.1 78.6 79.0 93.4 84.3

(0.9) (2.6) (3.1) (2.0) (2.1) (2.6) (1.8) (1.8) (3.0) (2.2) (2.9) (4.4) (2.2) (2.9) (1.4) (1.3) (3.0) (2.7) (1.4) (2.2) (1.9) (1.5) (1.4)

5+ 65.3 75.5 55.1 86.5 68.9 78.1 69.2 55.7 84.3 63.1 85.7 76.2 90.9 75.2 84.1 87.1 82.3 69.5 90.7 74.9 75.0 91.6 88.8 (1.4) (4.3) (4.7) (2.9) (3.2) (4.2) (3.3) (2.4) (3.4) (3.6) (3.7) (6.6) (4.5) (4.2) (2.2) (2.5) (4.1) (1.2) (1.4) (4.0) (3.3) (2.0) (1.6)

Age of RP 16-34 27.3 49.9 11.8 49.4 35.5 28.0 43.8 29.1 61.0 38.9 35.7 53.1 87.1 47.1 59.8 75.5 33.2 22.7 59.3 45.1 38.6 76.1 34.6

(0.9) (4.6) (1.7) (3.1) (3.5) (3.9) (3.3) (1.4) (5.3) (3.9) (5.6) (5.1) (2.5) (4.2) (2.3) (2.6) (2.2) (2.2) (2.2) (3.6) (3.5) (4.0) (1.2)



35-44 56.8 72.6 39.2 77.0 59.3 57.2 71.0 53.9 75.3 54.9 79.7 73.8 92.9 63.2 81.6 89.6 68.9 41.7 81.1 77.3 65.9 86.9 69.9

(0.8) (3.1) (2.2) (2.6) (1.7) (2.7) (1.9) (1.7) (3.8) (2.6) (3.3) (4.4) (1.6) (3.2) (1.5) (2.0) (2.5) (2.3) (1.4) (1.9) (2.8) (2.2) (1.6)

45-54 64.6 72.5 54.4 83.5 75.7 71.5 75.4 58.7 89.8 67.9 82.0 74.9 95.5 71.2 87.9 89.6 66.7 54.0 84.7 76.6 78.6 91.7 73.5

(0.8) (3.0) (1.9) (2.3) (1.9) (2.1) (1.7) (1.7) (2.2) (2.0) (3.5) (4.0) (1.6) (2.7) (1.2) (2.1) (2.3) (1.7) (1.4) (1.9) (2.1) (1.5) (1.4)

55-64 70.4 75.1 60.4 86.2 76.6 85.3 83.7 63.8 91.2 76.4 81.5 81.3 92.5 70.0 90.7 84.5 64.7 56.4 82.8 80.2 84.6 95.8 77.4

(0.7) (2.8) (2.0) (2.1) (2.7) (1.8) (1.4) (1.6) (2.2) (1.8) (3.6) (2.9) (2.4) (3.2) (1.2) (2.4) (2.0) (2.2) (1.2) (1.8) (1.8) (1.0) (1.3)

65-74 71.2 71.2 55.9 84.1 86.2 86.1 84.8 70.9 93.9 79.8 64.2 74.7 94.4 88.6 89.5 77.9 58.5 50.8 85.7 78.2 90.3 91.3 79.8

(0.8) (3.1) (2.7) (2.6) (1.8) (1.8) (1.5) (1.5) (2.0) (1.5) (5.9) (4.0) (2.9) (2.7) (1.2) (2.6) (2.0) (2.4) (1.3) (2.0) (1.7) (2.0) (1.5)

75+ 66.4 67.5 46.6 75.3 86.3 82.5 83.0 71.3 90.6 74.9 45.0 72.8 96.2 83.9 91.5 63.6 49.5 44.9 77.4 76.2 84.7 84.0 74.6

(0.8) (3.9) (2.1) (2.9) (3.4) (2.4) (1.8) (1.6) (2.3) (1.2) (6.0) (4.4) (1.5) (4.3) (1.4) (3.9) (2.8) (2.5) (1.7) (2.2) (2.2) (2.5) (1.9)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Real assets include the value of the household main residence for homeowners, other real estate property, vehicles, and valuables (such as jewellery, works of art, antiques, etc.) and value of self-employment businesses. Real estate wealth includes household main residence and other real estate property. Medians are conditional, among households owning the particular assets. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT3, ES1, ES2, ES7, FI1, FR1, FR6, LV1, LV2, LV4, LV5, LV6, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table B4 Real assets, value of HMR - distribution EUR thousands


Mean 209.4 294.9 258.8 73.6 304.8 71.2 163.9 226.4 94.3 201.6 280.9 35.9 61.7 740.1 49.2 246.0 272.5 289.1 83.2 119.2 122.0 82.8 190.9

(1.6) (5.8) (6.6) (1.7) (10.6) (2.0) (2.8) (2.9) (6.2) (3.3) (10.7) (2.0) (3.0) (13.6) (0.8) (11.1) (5.7) (6.9) (1.5) (2.0) (3.6) (2.4) (1.5)

p10 50.0 140.0 70.0 9.6 100.0 23.6 48.1 85.0 16.5 70.0 89.8 5.0 15.0 316.0 9.7 87.5 121.7 100.0 23.0 40.0 38.9 25.0 63.5 (1.2) (6.7) (4.8) (0.8) (3.5) (1.7) (1.8) (2.7) (2.2) (0.9) (5.8) (0.5) (1.8) (18.6) (0.3) (1.7) (4.0) (3.8) (0.6) (1.3) (2.5) (1.1) (1.7)

p20 80.0 180.0 100.0 20.0 150.0 31.9 67.4 118.4 30.0 100.0 120.3 10.0 22.8 414.0 16.2 125.0 162.6 143.2 33.3 55.1 52.0 37.7 88.8

(1.8) (5.5) (5.5) (1.1) (0.9) (2.4) (3.2) (1.9) (2.0) (4.5) (5.6) (0.6) (2.2) (21.2) (0.3) (0.9) (4.2) (8.9) (0.9) (2.6) (2.7) (1.7) (1.4)

p30 110.0 210.0 146.0 30.0 180.0 40.4 90.0 142.9 41.4 120.0 150.0 14.7 28.8 500.0 22.7 150.0 185.0 169.5 41.4 70.0 70.0 49.6 113.1

(1.2) (7.6) (8.2) (1.2) (3.4) (2.2) (1.9) (2.7) (3.0) (3.6) (4.9) (1.1) (2.6) (9.4) (1.2) (4.5) (2.9) (6.9) (0.8) (1.3) (2.0) (2.2) (1.3)

p40 140.0 250.0 170.0 42.5 200.0 50.0 101.8 165.1 50.0 140.0 179.0 20.0 35.0 600.0 29.2 175.0 208.0 200.0 49.0 80.0 80.0 56.3 133.4

(0.7) (6.6) (8.0) (3.0) (4.7) (0.3) (3.8) (2.9) (2.8) (3.5) (7.5) (0.8) (2.9) (14.2) (1.5) (0.2) (5.1) (3.2) (1.8) (1.4) (0.7) (2.1) (1.4)

p50 165.7 270.0 200.0 55.5 250.0 60.0 120.2 192.4 66.2 156.0 200.0 25.5 40.0 652.0 36.5 200.0 234.6 250.0 61.0 99.7 98.0 70.0 156.4

(3.0) (8.2) (3.9) (2.1) (0.9) (1.7) (2.6) (3.0) (3.3) (4.9) (7.6) (1.9) (2.4) (16.7) (1.8) (4.9) (3.8) (7.3) (2.2) (2.3) (4.0) (2.3) (2.0)

p60 200.0 300.0 250.0 67.8 280.0 70.0 150.0 217.3 79.6 190.0 250.0 32.6 50.0 750.0 45.4 225.0 259.8 280.0 73.4 110.0 110.0 80.0 184.8

(0.1) (0.9) (3.3) (2.3) (7.7) (2.3) (0.3) (3.4) (2.6) (6.8) (8.5) (2.7) (1.4) (15.2) (1.0) (3.9) (5.0) (11.7) (2.2) (4.2) (4.5) (1.6) (1.9)

p70 244.9 339.5 300.0 80.0 330.0 80.7 180.0 252.4 100.0 220.0 303.7 39.7 60.4 837.0 55.1 280.0 300.0 314.6 89.8 130.2 130.0 92.2 220.0

(3.9) (12.1) (7.8) (1.6) (11.3) (3.7) (0.9) (3.2) (3.5) (9.0) (17.0) (1.6) (3.8) (27.3) (1.6) (13.6) (4.2) (14.3) (2.0) (3.5) (5.0) (4.1) (2.2)

p80 300.0 384.0 350.0 100.0 400.0 100.0 220.4 300.6 120.0 250.0 400.0 48.1 80.0 1000.0 71.3 300.0 350.0 393.6 110.5 158.8 161.6 110.0 264.9

(0.3) (11.2) (6.4) (0.9) (6.5) (1.2) (7.2) (2.5) (4.2) (8.0) (21.8) (2.9) (1.2) (10.2) (2.4) (4.0) (6.3) (15.2) (2.8) (6.6) (8.0) (6.8) (2.4)

p90 400.0 450.0 500.0 151.1 535.0 135.1 300.0 399.9 170.0 350.0 500.0 70.0 119.0 1220.0 97.2 425.0 450.0 500.0 148.3 220.0 221.1 150.0 345.2

(0.9) (18.7) (15.7) (6.4) (22.4) (10.7) (0.4) (5.8) (18.3) (13.8) (17.9) (8.0) (8.7) (69.3) (0.8) (11.0) (11.5) (8.0) (4.2) (12.0) (13.6) (3.5) (4.3)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Real assets include the value of the household main residence for homeowners, other real estate property, vehicles, valuables (such as jewellery, works of art, antiques, etc.) and value of self-employment businesses. Real estate wealth includes household main residence and other real estate property. See country notes: FI1, FR1, FR6, LV2, LV4, LV5, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table B5 Real estate assets, conditional medians - breakdowns EUR thousands



(2.8) (8.1) (11.0) (1.6) (6.9) (3.7) (3.9) (2.7) (2.1) (3.8) (15.7) (1.6) (2.9) (21.5) (1.4) (4.8) (4.2) (9.4) (1.2) (2.3) (1.3) (1.6) (2.3)

Income Bottom 20% 87.1 209.3 150.0 30.3 199.0 41.1 84.7 125.0 63.2 100.0 169.1 13.0 36.4 457.0 25.9 175.0 201.0 147.2 42.3 65.6 81.2 43.6 110.0 (3.4) (20.2) (20.4) (6.1) (8.0) (3.9) (4.8) (4.6) (9.1) (7.9) (35.5) (1.9) (3.5) (37.7) (1.1) (14.2) (11.6) (12.5) (1.8) (5.0) (6.2) (2.8) (5.5)

20-40% 122.4 242.3 152.0 47.9 215.1 59.5 109.7 149.4 50.9 120.0 236.1 20.8 35.0 497.9 32.4 193.4 192.9 200.0 50.6 80.0 76.7 64.6 132.3

(3.4) (14.6) (21.6) (5.2) (14.7) (3.2) (7.2) (5.2) (5.5) (4.2) (33.4) (3.6) (3.9) (34.5) (1.6) (11.7) (7.7) (11.7) (2.4) (2.5) (4.5) (3.8) (4.4)

40-60% 170.2 263.0 180.8 54.8 250.0 76.1 148.3 177.8 65.0 160.0 219.8 30.0 46.0 620.0 38.9 224.0 209.3 206.1 64.1 99.3 100.0 64.6 169.4

(3.4) (13.8) (13.9) (3.6) (7.4) (6.3) (5.5) (3.3) (5.8) (5.9) (36.5) (3.6) (5.0) (33.8) (2.0) (16.0) (9.3) (15.5) (2.8) (3.4) (4.7) (3.7) (5.1)

60-80% 200.0 299.0 213.4 70.5 281.0 80.0 180.1 204.5 77.4 190.0 280.6 32.9 57.0 710.0 45.4 250.0 242.7 250.0 71.3 113.9 100.0 81.0 206.7

(2.8) (9.5) (15.2) (3.9) (10.8) (4.9) (6.6) (3.4) (8.1) (7.9) (42.2) (3.4) (4.6) (33.5) (1.9) (12.7) (8.9) (9.4) (4.0) (7.3) (5.1) (5.4) (4.4)

80-90% 257.3 345.0 290.3 83.8 398.5 103.2 230.1 269.1 81.4 225.0 362.4 42.4 64.0 1000.0 58.3 231.2 275.0 261.5 92.0 150.0 128.9 99.0 254.3

(5.6) (25.4) (24.8) (4.8) (23.8) (10.4) (13.8) (8.5) (9.4) (16.4) (62.2) (5.5) (7.9) (85.9) (6.5) (24.1) (12.9) (24.7) (6.1) (6.2) (13.3) (4.9) (6.5)

90-100% 388.8 413.3 400.0 171.5 561.5 133.4 374.9 427.5 113.6 340.0 678.1 83.2 72.8 1278.0 78.4 422.0 350.0 400.0 110.0 252.0 179.0 135.4 378.2

(9.9) (28.8) (23.9) (14.1) (45.8) (12.0) (19.9) (11.1) (19.1) (27.1) (104.9) (10.3) (13.1) (98.3) (7.2) (46.8) (14.8) (17.8) (5.6) (13.0) (14.3) (16.7) (8.5)

Net wealth Bottom 20% 75.9 N 91.2 4.8 156.0 32.2 70.0 101.9 10.0 N 131.3 N 15.0 294.0 6.5 62.5 172.5 N 15.2 59.0 9.6 20.2 90.2

(8.0) (30.1) (0.9) (32.3) (10.6) (6.0) (14.2) (0.8) (30.0) (1.9) (150.0) (0.7) (13.2) (10.6) (1.5) (8.5) (2.7) (1.3) (7.5)

20-40% 45.0 169.7 25.0 18.5 120.0 27.3 63.6 110.0 30.5 68.5 98.6 7.7 27.1 332.0 18.0 125.0 184.1 N 31.2 49.4 47.0 40.0 90.2

(1.7) (15.5) (13.9) (2.0) (11.0) (2.4) (3.6) (6.8) (2.8) (4.0) (8.5) (0.9) (3.0) (30.2) (2.1) (1.1) (13.2) (1.1) (2.1) (2.7) (1.4) (5.3)

40-60% 100.0 216.7 84.8 47.1 197.0 54.1 120.0 130.0 60.0 120.0 199.7 20.0 42.6 507.9 32.4 195.0 189.0 100.0 53.0 78.5 82.2 65.0 122.8

(0.8) (12.2) (7.7) (3.1) (8.2) (3.3) (2.6) (2.5) (3.6) (2.0) (12.3) (1.5) (2.8) (18.8) (0.7) (7.1) (6.8) (4.6) (1.5) (2.4) (3.6) (2.8) (2.1)

60-80% 200.0 300.0 194.0 76.1 322.0 92.8 201.8 208.0 100.0 200.0 356.9 38.0 70.0 792.0 55.1 300.0 230.1 200.0 89.6 122.6 130.0 97.0 206.4

(1.7) (8.8) (8.9) (2.4) (14.5) (4.4) (5.0) (4.0) (3.5) (0.6) (28.8) (2.6) (2.8) (24.9) (1.6) (9.7) (5.4) (6.6) (1.9) (3.8) (5.3) (3.5) (3.0)

80-90% 322.9 430.0 350.0 135.3 528.2 150.0 350.0 340.0 150.0 300.0 632.3 68.0 112.7 1200.0 92.7 450.0 299.5 349.9 134.0 201.0 207.2 142.7 325.9

(5.3) (24.7) (12.2) (8.4) (25.2) (3.4) (7.6) (8.7) (4.9) (2.8) (63.2) (5.8) (9.0) (53.0) (2.8) (33.6) (7.4) (11.5) (4.9) (7.5) (7.5) (8.7) (5.3)

90-100% 600.0 716.8 693.7 282.8 1059.6 268.8 639.0 584.2 288.6 550.0 1253.4 146.2 266.6 2100.0 162.0 790.0 453.0 606.4 207.9 358.0 325.8 227.6 535.5

(8.2) (57.6) (41.0) (15.1) (72.3) (16.9) (25.5) (15.0) (23.5) (26.7) (130.1) (14.4) (47.2) (132.2) (4.1) (106.7) (28.5) (36.4) (7.9) (17.8) (21.3) (18.9) (8.2)

Household size 1 149.2 231.4 182.0 39.1 215.4 55.4 107.3 149.2 50.0 150.0 172.6 20.7 40.0 512.0 32.4 181.0 196.8 180.0 45.6 80.5 77.4 50.0 137.7

(3.7) (11.9) (11.1) (3.4) (12.5) (3.9) (8.0) (3.6) (3.7) (4.7) (28.0) (2.2) (1.6) (24.3) (0.6) (16.1) (4.8) (11.5) (1.4) (4.0) (4.7) (1.7) (3.3)

2 200.0 300.0 230.0 70.0 292.4 70.9 170.3 224.2 74.2 183.0 260.2 29.7 50.0 796.0 38.9 225.0 239.8 230.1 59.9 100.0 100.5 73.6 203.4

(0.6) (9.7) (12.8) (2.3) (13.2) (3.7) (6.1) (4.6) (4.2) (7.3) (32.2) (2.8) (2.9) (32.0) (1.9) (12.2) (5.4) (15.1) (2.5) (2.8) (3.7) (3.4) (4.2)

3 186.5 300.0 242.2 70.8 294.1 81.5 163.9 210.9 70.0 180.0 261.1 32.2 52.4 752.0 42.1 225.0 250.0 269.3 70.7 108.2 107.3 79.7 232.0

(5.1) (12.3) (23.0) (3.1) (17.2) (6.7) (10.4) (5.7) (7.0) (7.7) (39.5) (4.6) (5.5) (41.6) (2.2) (11.6) (8.5) (19.7) (3.7) (5.5) (9.2) (4.5) (6.9)

4 219.6 310.1 285.0 94.1 300.0 88.0 198.4 250.0 80.0 200.0 376.3 54.0 70.0 718.0 51.8 250.0 259.0 300.0 80.4 128.8 120.0 86.6 259.6

(5.3) (11.5) (22.8) (8.1) (14.2) (7.5) (10.3) (6.6) (5.5) (5.9) (47.1) (11.2) (9.2) (47.7) (3.0) (15.1) (9.6) (16.5) (3.0) (7.1) (6.5) (6.2) (6.9)

5+ 232.0 377.7 300.0 99.2 322.0 100.0 200.0 250.0 88.9 200.0 354.0 50.0 54.0 700.0 51.8 300.0 267.9 309.1 93.9 126.5 139.2 80.0 285.1 (10.3) (42.1) (30.9) (10.4) (24.2) (9.6) (23.3) (13.6) (9.7) (12.5) (48.9) (6.7) (18.0) (42.5) (4.6) (32.8) (14.3) (30.2) (5.8) (12.8) (15.8) (6.8) (10.5)


(0.6) (6.8) (13.7) (2.5) (14.7) (3.8) (6.7) (4.3) (2.5) (3.1) (22.5) (1.7) (2.6) (34.2) (1.4) (9.8) (11.2) (12.4) (1.6) (4.1) (1.4) (1.6) (3.7)




Renters / other 86.1 200.0 100.0 30.0 157.0 36.1 72.9 101.9 N 65.0 110.0 11.7 N 299.4 22.7 80.0 163.2 90.7 34.5 60.0 44.4 34.5 83.6

(6.3) (27.5) (14.3) (6.4) (22.2) (6.4) (9.4) (10.2) (5.7) (42.5) (6.3) (111.3) (2.3) (27.8) (58.6) (9.4) (2.8) (6.7) (10.4) (15.9) (6.6)

Age of RP 16-34 155.8 298.0 180.0 63.2 252.0 52.6 130.0 175.0 58.6 150.0 200.0 35.0 50.0 532.0 32.4 200.0 197.4 190.0 66.1 100.0 100.0 60.0 161.7

(5.8) (11.1) (23.7) (4.1) (21.9) (13.3) (11.6) (5.0) (13.1) (11.0) (28.2) (2.8) (5.2) (42.3) (2.2) (12.9) (11.3) (28.4) (2.8) (7.0) (11.5) (4.3) (6.8)

35-44 190.0 264.4 200.0 79.9 270.0 79.0 150.1 208.0 79.5 190.0 294.2 38.8 55.2 650.0 42.4 186.4 227.8 304.9 79.9 112.0 117.1 79.9 231.8

(5.0) (16.0) (8.2) (4.4) (10.7) (6.0) (7.7) (5.4) (6.1) (9.3) (40.4) (6.9) (6.1) (36.6) (3.2) (22.5) (9.6) (14.0) (3.8) (7.2) (8.5) (4.9) (6.3)

45-54 200.0 300.0 250.0 75.0 300.0 88.7 154.5 232.4 70.0 180.0 292.5 35.4 52.4 700.0 45.4 268.8 258.0 250.7 81.1 120.1 107.5 80.0 219.2

(0.8) (10.6) (11.5) (5.0) (10.2) (7.4) (6.5) (5.8) (4.2) (6.8) (35.1) (3.3) (4.7) (38.7) (1.6) (25.0) (10.4) (14.9) (3.5) (5.8) (6.7) (4.2) (5.6)

55-64 200.0 301.0 236.0 60.0 316.0 81.6 199.2 207.4 79.4 180.0 327.5 30.0 49.7 740.0 44.1 300.0 248.0 242.5 66.7 103.4 100.2 80.0 191.7

(1.7) (13.4) (17.1) (5.0) (20.7) (6.6) (9.0) (5.6) (4.8) (9.1) (47.6) (4.1) (4.8) (55.0) (2.9) (21.2) (8.5) (14.8) (2.6) (6.1) (4.7) (3.6) (4.4)

65-74 197.7 275.0 250.0 50.0 265.0 69.6 182.6 219.3 67.0 180.0 270.8 28.0 41.2 800.0 39.0 225.0 239.3 214.9 57.8 96.9 96.0 65.7 190.6

(4.2) (20.6) (10.1) (6.6) (21.4) (5.1) (11.1) (6.7) (5.6) (7.2) (54.3) (4.2) (4.7) (55.1) (2.1) (12.2) (5.1) (15.3) (2.6) (5.6) (6.1) (3.3) (5.5)

75+ 151.5 300.0 198.8 49.8 222.4 57.6 126.7 168.9 69.3 150.0 211.9 20.0 34.2 682.0 32.4 200.0 250.0 200.0 46.0 80.2 88.8 54.3 154.4

(3.9) (16.2) (24.4) (4.0) (18.9) (4.1) (11.0) (9.6) (7.6) (4.8) (51.4) (2.1) (3.6) (73.4) (1.9) (28.9) (9.7) (12.8) (1.8) (5.6) (7.1) (4.4) (7.2)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, ES1, ES2, ES7, FI1, FI3, FI4, FR1, FR6, HU4, LV1, LV2, LV4, LV5, LV6, NL1 for information on country-specific issues that may affect the comparability of the figures.


C. Financial assets Table C1 Financial assets - participation rates % of households


DA2100i Has financial assets 97.7 97.9 99.5 99.6 94.3 90.6 99.6 99.6 81.9 93.0 83.2 89.1 90.7 97.3 82.1 97.2 99.4 99.7 89.1 96.6 95.2 92.1 100.0

(0.1) (0.5) (0.2) (0.1) (0.4) (1.2) (0.1) (0.1) (1.6) (0.5) (1.3) (1.4) (1.2) (0.5) (0.6) (0.4) (0.2) (0.1) (0.5) (0.4) (0.7) (0.7) (0.1)

DA2101i Has deposits 97.6 97.7 99.3 99.6 93.9 90.4 99.6 99.6 80.9 93.0 79.6 87.7 90.4 97.1 81.0 96.4 99.3 99.7 84.9 96.4 94.8 91.6 100.0

(0.1) (0.5) (0.2) (0.1) (0.4) (1.2) (0.1) (0.1) (1.7) (0.5) (1.4) (1.5) (1.3) (0.5) (0.6) (0.5) (0.2) (0.1) (0.6) (0.4) (0.7) (0.7) (0.1)

DA2102i Has mutual funds 10.2 21.3 15.6 3.4 3.6 0.3 7.0 8.4 1.4 6.0 0.5 0.5 2.0 11.6 3.3 9.2 13.1 8.5 3.8 2.2 6.2 4.1 31.4

(0.2) (1.2) (0.7) (0.4) (0.3) (0.1) (0.4) (0.3) (0.4) (0.4) (0.1) (0.2) (0.4) (0.8) (0.3) (0.8) (0.7) (0.6) (0.3) (0.2) (0.6) (0.7) (0.3)

DA2103i Has bonds 3.2 2.9 3.2 0.4 7.3 0.1 0.4 0.9 0.4 10.0 1.2 0.1 0.7 1.4 5.8 21.7 0.6 2.6 0.8 1.2 0.5 0.8 1.0

(0.1) (0.5) (0.3) (0.1) (0.5) (0.1) (0.1) (0.1) (0.2) (0.5) (0.4) (0.1) (0.3) (0.4) (0.3) (1.3) (0.1) (0.3) (0.1) (0.2) (0.2) (0.3) (0.1)

DA2105i Has shares (publicly traded) 8.6 9.8 10.9 4.4 10.1 0.9 11.7 11.3 4.7 3.1 15.7 0.4 1.0 7.8 1.2 9.9 4.6 5.0 2.3 3.9 5.9 1.8 21.0

(0.2) (0.9) (0.6) (0.4) (0.8) (0.4) (0.5) (0.4) (0.7) (0.3) (1.3) (0.2) (0.3) (0.7) (0.1) (0.9) (0.5) (0.5) (0.3) (0.4) (0.6) (0.4) (0.4)

DA2107i Has money owed to household 7.5 5.2 12.8 10.3 2.7 2.9 14.7 4.4 3.3 0.6 6.6 4.6 5.9 7.7 6.5 1.9 6.9 6.9 3.9 8.3 6.2 4.8 M

(0.2) (0.6) (0.7) (0.7) (0.3) (0.5) (0.6) (0.2) (0.6) (0.1) (1.0) (0.8) (1.0) (0.8) (0.4) (0.4) (0.6) (0.6) (0.3) (0.6) (0.6) (0.6)

DA2109i Has voluntary pensions/whole life insurance 28.4 42.9 43.2 18.5 15.6 0.3 23.4 38.4 5.6 8.2 24.0 21.8 9.0 17.8 5.8 19.1 26.4 12.3 38.6 13.2 15.4 15.6 29.7

(0.3) (1.3) (0.9) (0.8) (0.7) (0.2) (0.7) (0.6) (1.0) (0.5) (1.5) (1.4) (2.0) (1.0) (0.4) (1.0) (0.9) (0.7) (0.9) (0.6) (0.9) (1.2) (0.5)

DA2199i Has other types of financial assets 7.7 3.4 16.7 3.3 3.9 0.8 3.6 7.7 0.7 2.9 1.4 0.4 1.6 4.7 0.6 2.5 2.2 1.4 2.1 0.8 1.6 1.0 18.6

(0.2) (0.5) (0.8) (0.4) (0.4) (0.5) (0.3) (0.3) (0.3) (0.3) (0.5) (0.2) (0.4) (0.6) (0.1) (0.4) (0.3) (0.2) (0.2) (0.2) (0.3) (0.2) (0.4)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. See country notes: AT1, BE2, EE1, EE2, EE3, ES1, ES2, FI2, FI6, FI7, FI9, FR6, GR2, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table C2 Financial assets - conditional medians EUR thousands


DA2100 Total financial assets 10.3 25.8 16.9 2.8 7.9 1.0 9.0 11.0 0.5 7.0 10.0 0.4 1.0 30.3 1.1 25.0 22.4 15.5 3.7 4.6 1.4 2.8 10.3

(0.3) (1.8) (1.1) (0.2) (0.5) (0.1) (0.5) (0.4) (0.1) (0.2) (1.1) (0.1) (0.1) (2.2) (0.1) (2.0) (1.1) (0.7) (0.2) (0.3) (0.2) (0.3) (0.3)

DA2101 Deposits 6.1 11.5 7.9 1.9 5.0 1.0 5.0 6.8 0.3 5.4 2.9 0.2 0.6 20.1 0.9 12.6 13.7 12.8 2.8 3.4 1.0 2.0 5.0 (0.1) (0.8) (0.3) (0.2) (0.2) (0.1) (0.2) (0.2) (0.1) (0.2) (0.6) (0.1) (0.1) (1.7) (0.1) (0.6) (0.7) (0.5) (0.2) (0.3) (0.1) (0.1) (0.1)

DA2102 Mutual funds, total 15.0 35.9 13.2 2.6 44.4 N 28.0 8.9 N 24.3 N N 3.2 59.0 12.8 21.3 17.9 15.2 2.3 18.3 4.8 6.0 5.0

(0.5) (7.0) (1.8) (0.6) (15.1) (2.3) (0.9) (3.9) (1.2) (11.9) (2.4) (2.0) (1.9) (2.4) (0.3) (5.2) (1.0) (2.1) (0.2)

DA2103 Bonds 20.0 22.3 15.6 N 1.8 N 14.0 10.0 N 24.9 N N N N 6.5 15.4 N 16.9 2.3 14.7 N N 15.0

(1.1) (8.8) (4.4) (1.6) (8.5) (2.1) (1.6) (0.8) (1.3) (4.8) (0.8) (6.1) (3.1)

DA2105 Shares, publicly traded 8.0 9.9 10.0 3.7 9.6 N 6.9 5.9 2.1 10.0 0.2 N 5.6 26.0 5.2 15.0 12.9 10.1 1.9 2.9 2.6 0.8 5.3

(0.5) (3.0) (1.0) (0.6) (2.3) (1.0) (0.5) (0.8) (1.9) (0.1) (3.9) (8.8) (2.7) (2.1) (3.0) (1.5) (0.5) (0.5) (0.6) (0.5) (0.2)

DA2107 Money owed to households 3.0 5.5 2.0 0.7 3.5 2.0 5.0 2.5 2.0 3.0 17.5 0.4 1.2 6.0 1.5 N 6.4 2.0 1.1 5.0 3.0 1.5 M

(0.2) (1.1) (0.2) (0.2) (0.8) (0.9) (0.6) (0.3) (1.1) (1.1) (5.5) (0.3) (0.6) (1.8) (0.2) (1.6) (0.4) (0.3) (0.4) (0.6) (0.6)

DA2109 Voluntary pension/whole life insurance 14.0 15.3 15.4 3.1 52.0 N 9.9 12.0 5.1 13.0 20.9 0.9 6.4 25.4 3.3 29.8 37.9 8.5 1.4 4.0 3.8 4.2 10.0

(0.5) (1.1) (1.1) (0.2) (6.3) (0.6) (0.7) (1.2) (1.3) (2.7) (0.1) (2.6) (2.8) (0.4) (1.9) (3.9) (0.9) (0.1) (0.4) (0.6) (0.5) (0.3)

DA2199 Other types of financial assets 2.5 10.0 1.9 1.1 32.0 N 20.0 2.2 N 16.8 155.0 N 11.6 33.4 7.4 N 38.0 12.4 2.7 4.0 11.2 N 2.3

(0.2) (12.7) (0.2) (0.5) (11.6) (6.6) (0.4) (2.9) (64.0) (4.8) (21.0) (7.1) (18.4) (6.8) (0.9) (3.2) (6.1) (0.1)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. Medians are conditional, among households owning particular assets. See country notes: AT1, BE2, EE1, EE2, EE3, ES1, ES2, FI2, FI6, FI7, FI9, FR6, GR2, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table C3 Total financial assets, among household with financial assets - distribution EUR thousands


Mean 50.7 90.1 56.8 13.8 74.8 7.3 56.3 54.0 4.8 31.5 41.2 2.9 4.6 124.7 12.0 59.1 88.3 38.7 9.3 23.8 11.1 9.5 52.8

(1.0) (5.7) (1.8) (1.1) (6.0) (1.1) (3.8) (2.0) (1.2) (1.7) (5.2) (0.5) (0.3) (10.5) (0.6) (3.8) (7.0) (1.7) (0.3) (1.1) (0.8) (0.7) (0.8)

p10 0.3 0.5 0.3 < 0.1 0.2 < 0.1 0.2 0.4 0.0 0.2 < 0.1 < 0.1 0.1 1.0 < 0.1 1.8 1.1 0.9 0.3 0.2 < 0.1 0.1 0.3 (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1)

p20 1.1 2.9 2.0 0.2 0.9 0.1 0.9 1.2 < 0.1 1.5 0.5 0.1 0.2 4.1 0.1 5.0 4.1 3.2 0.8 0.5 0.1 0.4 1.0

(0.1) (0.5) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.5) (0.1) (0.5) (0.3) (0.3) (0.1) (0.1) (0.1) (0.1) (0.1)

p30 3.0 6.5 5.0 0.6 2.2 0.2 2.2 2.8 0.1 3.0 1.3 0.1 0.3 8.7 0.3 9.0 8.5 6.5 1.4 1.0 0.3 1.0 3.0

(0.1) (0.7) (0.4) (0.1) (0.2) (0.1) (0.3) (0.1) (0.1) (0.1) (0.5) (0.1) (0.1) (1.0) (0.1) (0.6) (0.5) (0.3) (0.1) (0.1) (0.1) (0.1) (0.1)

p40 6.0 13.5 9.6 1.5 4.3 0.5 5.0 5.8 0.2 5.0 4.9 0.2 0.5 17.6 0.6 16.0 14.7 10.6 2.3 2.2 0.8 1.7 5.6

(0.1) (1.7) (0.5) (0.1) (0.4) (0.1) (0.2) (0.3) (0.1) (0.1) (0.9) (0.1) (0.1) (1.7) (0.1) (1.3) (0.9) (0.5) (0.1) (0.2) (0.1) (0.2) (0.3)

p50 10.3 25.8 16.9 2.8 7.9 1.0 9.0 11.0 0.5 7.0 10.0 0.4 1.0 30.3 1.1 25.0 22.4 15.5 3.7 4.6 1.4 2.8 10.3

(0.3) (1.8) (1.1) (0.2) (0.5) (0.1) (0.5) (0.4) (0.1) (0.2) (1.1) (0.1) (0.1) (2.2) (0.1) (2.0) (1.1) (0.7) (0.2) (0.3) (0.2) (0.3) (0.3)

p60 18.1 43.1 29.6 5.2 13.5 2.0 15.0 19.0 1.0 11.1 17.9 0.8 2.0 50.8 2.4 36.9 33.8 21.6 5.7 8.0 2.9 4.9 17.8

(0.4) (3.2) (1.5) (0.3) (1.1) (0.2) (0.6) (0.7) (0.2) (0.5) (2.4) (0.1) (0.2) (4.6) (0.2) (1.9) (1.6) (0.7) (0.2) (0.5) (0.3) (0.3) (0.7)

p70 31.0 69.9 49.1 9.1 27.1 3.7 27.0 31.7 2.1 19.0 30.1 1.2 3.1 82.4 5.9 52.8 53.5 31.1 8.8 14.4 5.5 7.4 30.0

(0.5) (5.3) (2.1) (0.4) (2.1) (0.6) (1.2) (0.9) (0.3) (0.6) (2.8) (0.2) (0.3) (5.2) (0.5) (2.5) (2.6) (1.3) (0.3) (0.9) (0.5) (0.5) (0.7)

p80 55.7 117.2 79.5 15.4 58.1 7.5 49.2 55.0 3.9 31.8 52.8 2.2 5.7 136.5 12.9 81.3 89.2 48.5 12.6 26.3 10.9 12.1 57.4

(1.0) (7.6) (2.8) (0.7) (3.8) (0.9) (1.7) (1.7) (0.5) (0.9) (4.2) (0.2) (0.8) (8.2) (1.0) (3.6) (3.9) (2.1) (0.4) (1.4) (0.8) (1.0) (1.9)

p90 113.7 220.7 147.3 29.1 154.3 15.0 101.1 113.1 10.2 64.5 101.3 5.3 11.9 264.1 29.5 130.0 177.0 89.1 19.2 55.5 26.6 23.3 118.2

(2.3) (15.8) (7.0) (1.4) (16.9) (1.2) (4.7) (2.9) (1.3) (2.2) (12.4) (0.6) (1.2) (19.0) (1.0) (6.8) (11.3) (3.9) (0.6) (2.7) (2.3) (1.9) (3.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. Medians and deciles are conditional, among households owning any sort of financial asset. See country notes: AT1, BE2, EE1, EE2, EE3, ES1, ES2, FI2, FI6, FI7, FI9, FR6, GR2, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table C4 Financial assets, conditional medians - breakdowns EUR thousands



(0.3) (1.8) (1.1) (0.2) (0.5) (0.1) (0.5) (0.4) (0.1) (0.2) (1.1) (0.1) (0.1) (2.2) (0.1) (2.0) (1.1) (0.7) (0.2) (0.3) (0.2) (0.3) (0.3)

Income Bottom 20% 1.9 3.4 2.7 0.9 2.3 0.1 1.5 1.9 0.3 2.0 2.3 0.1 0.9 5.8 0.4 13.4 8.2 3.6 1.2 1.0 0.8 1.1 1.8 (0.1) (0.8) (0.5) (0.3) (0.4) (0.1) (0.4) (0.2) (0.2) (0.3) (1.2) (0.1) (0.3) (1.6) (0.1) (2.1) (1.1) (0.5) (0.1) (0.2) (0.2) (0.2) (0.2)

20-40% 4.4 13.9 7.0 1.6 4.1 0.6 4.4 4.4 0.2 3.7 4.4 0.3 0.7 14.1 0.7 24.2 14.3 9.1 2.2 2.0 0.8 1.9 5.5

(0.2) (4.0) (1.2) (0.4) (0.7) (0.2) (0.8) (0.5) (0.1) (0.5) (2.6) (0.1) (0.3) (3.1) (0.1) (4.2) (2.2) (0.8) (0.2) (0.3) (0.2) (0.4) (0.6)

40-60% 9.3 29.6 15.1 1.7 7.6 1.0 7.5 10.8 0.4 7.0 10.0 0.2 0.6 32.4 0.6 15.2 21.1 15.2 3.0 3.1 1.0 2.4 10.6

(0.4) (3.8) (1.6) (0.3) (1.2) (0.2) (1.0) (0.7) (0.1) (0.5) (3.2) (0.1) (0.1) (6.3) (0.1) (2.9) (2.3) (1.3) (0.2) (0.6) (0.2) (0.5) (0.6)

60-80% 18.8 37.3 28.9 3.7 10.5 1.8 14.6 17.5 0.5 11.8 13.2 0.6 1.0 50.8 1.2 30.0 30.8 22.3 4.7 6.6 1.0 3.5 15.0

(0.7) (6.2) (2.7) (0.4) (1.4) (0.5) (1.5) (1.0) (0.2) (1.2) (4.3) (0.2) (0.2) (8.3) (0.1) (3.7) (3.5) (1.6) (0.3) (0.9) (0.2) (0.8) (0.6)

80-90% 35.6 63.4 51.3 5.7 17.0 2.2 28.9 31.8 1.0 20.4 29.8 1.0 1.2 86.7 2.5 43.0 57.8 32.9 6.8 13.7 3.0 5.5 20.0

(1.9) (11.3) (3.8) (0.9) (4.7) (0.8) (3.8) (2.5) (0.5) (3.5) (9.9) (0.3) (0.6) (16.7) (0.7) (9.4) (7.5) (3.2) (0.7) (2.2) (0.6) (1.6) (1.2)

90-100% 75.1 93.2 112.6 14.4 56.3 7.1 60.2 76.6 1.5 38.6 49.0 3.2 3.4 142.7 7.8 66.7 82.0 54.9 12.1 33.7 11.9 9.8 55.8

(3.3) (20.4) (12.1) (1.3) (14.1) (2.3) (5.3) (4.4) (0.6) (4.8) (13.2) (0.6) (1.4) (26.0) (1.2) (12.1) (12.5) (6.0) (1.6) (3.9) (2.0) (2.4) (3.4)


(0.1) (0.4) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.5) (0.1) (0.1) (0.8) (0.1) (1.1) (0.2) (0.2) (0.1) (0.1) (0.1) (0.2) (0.1)

20-40% 8.1 17.3 7.6 1.7 5.3 0.5 6.0 8.2 0.3 6.5 8.0 0.2 0.7 28.9 0.4 10.2 11.0 11.8 1.9 2.1 0.8 1.5 7.2

(0.3) (3.3) (0.8) (0.4) (0.7) (0.1) (0.6) (0.6) (0.1) (0.4) (2.5) (0.1) (0.3) (4.7) (0.1) (1.9) (1.2) (0.6) (0.2) (0.4) (0.2) (0.3) (0.5)

40-60% 10.0 26.4 30.9 2.7 6.0 1.0 9.7 12.0 0.4 6.5 9.2 0.4 0.7 24.2 0.9 30.5 34.0 25.1 3.9 3.7 1.0 2.4 10.2

(0.3) (3.7) (2.0) (0.5) (0.6) (0.2) (1.1) (0.8) (0.2) (0.5) (3.4) (0.2) (0.3) (3.8) (0.2) (3.2) (1.9) (1.3) (0.4) (0.7) (0.2) (0.4) (0.5)

60-80% 22.0 52.9 42.3 7.2 18.6 2.1 17.1 27.2 0.8 14.8 23.7 0.4 1.1 58.1 1.6 32.1 41.7 22.7 5.6 11.1 2.9 5.1 24.0

(0.7) (7.2) (4.4) (0.9) (3.6) (0.4) (2.1) (1.2) (0.2) (0.9) (6.3) (0.1) (0.4) (9.2) (0.3) (4.0) (3.8) (1.2) (0.6) (1.1) (0.7) (0.9) (1.3)

80-90% 55.0 135.7 84.7 10.9 53.4 4.9 49.3 53.8 1.2 30.0 25.5 1.5 1.9 117.6 8.0 77.7 86.6 43.7 8.0 22.4 6.3 9.1 61.8

(2.4) (20.8) (6.7) (1.7) (9.9) (1.7) (6.4) (3.8) (0.7) (2.5) (6.5) (0.3) (0.8) (21.1) (0.9) (13.9) (9.7) (5.2) (1.1) (3.7) (2.2) (2.0) (3.2)

90-100% 126.2 276.4 166.0 23.2 149.3 10.6 131.0 122.4 1.9 54.6 44.9 2.5 2.5 269.3 26.9 122.4 259.1 82.0 11.0 62.9 9.8 11.4 141.4

(5.6) (43.8) (14.9) (2.9) (28.9) (2.3) (14.8) (7.1) (0.8) (6.4) (10.9) (0.7) (1.4) (50.8) (2.6) (28.1) (26.0) (8.5) (1.0) (6.3) (3.1) (2.6) (6.6)

Household size 1 7.0 12.8 10.0 1.5 5.0 0.7 6.0 7.2 0.4 6.0 2.8 0.2 0.7 25.9 1.0 18.8 13.8 8.1 1.9 3.1 1.0 2.1 5.0

(0.3) (2.4) (0.8) (0.3) (0.5) (0.2) (0.6) (0.6) (0.1) (0.4) (1.3) (0.1) (0.2) (3.9) (0.1) (2.6) (1.4) (0.5) (0.2) (0.6) (0.2) (0.3) (0.3)

2 15.9 41.6 26.7 4.5 10.0 1.3 12.0 17.3 0.4 9.7 10.2 0.4 1.1 44.1 1.3 30.0 26.9 19.9 3.9 5.7 1.7 2.5 18.2

(0.6) (5.4) (2.0) (0.6) (0.7) (0.3) (0.9) (0.9) (0.1) (0.6) (3.3) (0.1) (0.4) (6.1) (0.1) (3.6) (2.0) (1.1) (0.3) (0.6) (0.4) (0.3) (1.1)

3 10.0 27.2 19.5 3.7 7.8 1.1 8.4 10.1 0.3 8.6 10.2 0.4 0.7 31.9 1.0 33.5 32.1 19.5 4.1 4.2 1.1 3.1 11.9

(0.4) (4.5) (3.2) (0.5) (1.3) (0.3) (1.3) (1.0) (0.2) (1.0) (3.9) (0.1) (0.3) (7.7) (0.1) (2.9) (5.9) (1.9) (0.4) (0.6) (0.3) (0.8) (1.0)

4 12.9 37.9 24.9 3.9 9.3 1.0 12.4 15.0 0.6 7.8 22.8 1.0 1.0 33.3 1.3 22.5 36.0 24.9 4.6 6.0 2.1 3.2 14.7

(0.8) (8.7) (4.4) (0.6) (1.6) (0.2) (1.3) (1.1) (0.2) (1.2) (4.8) (0.2) (0.2) (7.1) (0.2) (4.3) (6.8) (2.1) (0.4) (1.0) (0.6) (0.8) (0.9)

5+ 7.1 21.4 13.8 5.5 8.0 0.9 5.0 5.5 0.6 5.0 14.2 0.4 1.7 13.8 1.1 19.1 49.4 24.1 4.6 4.0 1.7 2.9 10.0 (0.7) (6.7) (5.1) (1.4) (2.1) (0.3) (1.8) (1.0) (0.2) (0.8) (3.5) (0.3) (0.9) (4.8) (0.2) (4.0) (15.7) (6.1) (0.5) (1.6) (0.4) (1.0) (0.8)


(0.5) (6.3) (4.1) (0.4) (1.3) (0.3) (1.0) (1.1) (0.1) (0.5) (3.0) (0.1) (0.1) (7.7) (0.1) (1.3) (6.9) (1.2) (0.2) (0.8) (0.2) (0.3) (1.5)




Renters / other 4.5 4.6 7.0 0.8 2.2 0.5 2.4 3.0 0.3 3.0 4.2 0.2 0.3 8.4 0.4 8.8 9.7 9.4 1.8 1.3 0.7 1.3 2.0

(0.2) (0.7) (0.6) (0.2) (0.3) (0.1) (0.4) (0.2) (0.1) (0.2) (1.5) (0.1) (0.1) (2.1) (0.1) (1.1) (1.1) (0.5) (0.2) (0.2) (0.1) (0.5) (0.1)

Age of RP 16-34 5.2 16.7 6.0 1.3 4.9 0.4 3.6 5.1 0.3 3.2 4.1 0.3 0.8 20.0 0.8 13.9 12.2 6.9 3.5 2.2 0.8 1.6 4.4

(0.3) (4.1) (0.7) (0.2) (1.3) (0.1) (1.1) (0.6) (0.2) (0.6) (3.2) (0.2) (0.3) (4.3) (0.2) (2.7) (1.8) (0.6) (0.5) (0.5) (0.2) (0.6) (0.3)

35-44 8.7 20.1 18.6 2.4 6.4 1.0 6.5 9.1 0.7 5.5 13.8 0.5 1.2 24.0 1.0 23.2 28.7 16.0 4.7 4.2 1.4 3.1 10.2

(0.5) (3.6) (3.1) (0.5) (1.2) (0.2) (1.0) (0.9) (0.2) (0.5) (4.4) (0.2) (0.5) (4.6) (0.1) (4.6) (3.6) (1.3) (0.4) (0.6) (0.4) (0.7) (0.6)

45-54 12.0 30.0 25.8 3.6 9.0 1.0 9.5 11.3 0.5 7.1 14.5 0.6 0.6 29.4 1.2 32.1 26.9 19.4 4.2 5.2 1.3 2.3 11.4

(0.6) (5.2) (3.0) (0.5) (1.1) (0.1) (1.2) (1.0) (0.1) (0.7) (3.4) (0.2) (0.1) (5.0) (0.2) (4.4) (3.5) (1.5) (0.4) (0.8) (0.2) (0.6) (1.0)

55-64 15.9 51.1 32.1 3.6 10.0 1.7 14.9 13.2 0.7 10.0 13.1 0.3 1.0 31.0 1.3 38.9 34.0 21.1 3.7 4.9 1.5 3.9 14.7

(0.8) (7.4) (5.2) (0.6) (2.4) (0.5) (1.8) (1.3) (0.2) (0.7) (5.5) (0.1) (0.3) (7.4) (0.2) (4.8) (4.5) (2.1) (0.4) (0.7) (0.3) (0.6) (1.1)

65-74 14.9 32.2 27.2 2.3 9.8 1.3 14.7 19.2 0.5 9.3 10.1 0.4 1.0 44.6 1.1 24.4 20.7 18.9 2.8 6.1 1.8 3.0 21.2

(0.7) (9.1) (3.1) (0.8) (1.1) (0.3) (1.8) (1.8) (0.2) (0.6) (3.3) (0.2) (0.5) (12.7) (0.1) (2.7) (1.6) (1.3) (0.3) (0.8) (0.4) (0.5) (1.7)

75+ 10.4 16.0 15.8 6.8 6.8 1.3 7.5 17.1 0.2 7.6 2.8 0.2 0.6 80.5 1.4 21.3 19.5 12.8 2.2 5.2 2.0 2.0 18.0

(0.5) (5.6) (1.9) (0.9) (1.2) (0.4) (1.2) (1.4) (0.1) (0.4) (1.3) (0.1) (0.2) (17.9) (0.4) (4.1) (2.3) (1.2) (0.3) (1.0) (0.4) (0.3) (2.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. Medians and deciles are conditional, among households owning any sort of financial asset. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, ES1, ES2, ES7, FI2, FI6, FI7, FI9, FR6, GR2, LV1, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table C5 Financial assets, has shares - breakdowns % of households



(0.2) (0.9) (0.6) (0.4) (0.8) (0.4) (0.5) (0.4) (0.7) (0.3) (1.3) (0.2) (0.3) (0.7) (0.1) (0.9) (0.5) (0.5) (0.3) (0.4) (0.6) (0.4) (0.4)

Income Bottom 20% 2.1 2.8 3.1 0.5 3.6 0.3 2.8 3.0 4.3 0.5 7.5 0.9 0.1 0.2 < 0.1 5.9 2.1 1.6 0.6 0.4 2.5 < 0.1 6.7 (0.3) (1.4) (0.8) (0.4) (0.8) (0.2) (0.6) (0.5) (1.6) (0.2) (2.6) (0.8) (0.2) (0.7) (0.1) (1.3) (0.8) (0.6) (0.2) (0.3) (0.9) (0.1) (1.0)

20-40% 3.7 6.1 4.3 1.5 2.4 0.3 6.2 4.6 3.6 0.4 12.4 0.4 0.1 4.9 0.1 10.7 3.4 1.8 1.2 1.0 3.1 0.5 13.2

(0.3) (1.7) (1.0) (0.5) (0.7) (0.2) (1.1) (0.6) (1.6) (0.2) (3.2) (0.2) (0.2) (1.6) (0.2) (2.2) (0.9) (0.7) (0.5) (0.4) (1.2) (0.3) (1.0)

40-60% 6.2 10.7 10.5 2.2 8.6 0.5 9.4 7.1 4.4 1.7 12.3 0.0 0.4 6.1 0.8 5.1 4.0 5.0 2.2 2.1 3.9 0.9 20.0

(0.4) (2.1) (1.4) (0.7) (1.6) (0.3) (1.3) (0.7) (1.5) (0.4) (2.8) (0.1) (0.5) (1.7) (0.3) (1.0) (1.0) (0.9) (0.6) (0.7) (1.0) (0.8) (1.0)

60-80% 10.5 9.8 11.2 4.5 11.4 2.2 15.0 14.0 4.3 3.1 17.6 0.0 1.2 7.7 1.7 13.7 4.3 5.1 2.6 4.5 7.6 2.9 24.9

(0.5) (1.9) (1.4) (1.1) (1.9) (1.7) (1.5) (0.9) (1.5) (0.6) (3.4) (0.1) (0.7) (1.8) (0.5) (2.3) (1.0) (1.3) (0.8) (0.9) (1.2) (1.2) (1.0)

80-90% 15.8 12.7 16.9 8.3 22.4 0.9 20.4 20.7 5.8 5.7 27.5 0.0 1.5 16.3 2.2 9.8 8.7 7.9 2.6 6.8 6.6 4.0 29.7

(0.9) (3.3) (2.0) (1.8) (3.4) (0.9) (2.5) (1.4) (2.5) (1.2) (5.7) (0.1) (1.4) (3.6) (0.8) (3.0) (2.0) (1.9) (0.9) (1.5) (1.6) (2.2) (1.4)

90-100% 25.4 26.8 34.4 18.2 27.0 1.4 29.3 35.2 8.2 13.6 30.8 1.3 4.6 24.4 4.4 19.2 9.9 14.8 7.6 16.3 18.1 4.9 51.2

(1.0) (3.8) (2.7) (2.6) (2.7) (0.8) (2.6) (1.5) (2.8) (1.9) (5.1) (0.7) (1.5) (3.9) (0.9) (4.4) (2.1) (2.5) (1.5) (1.8) (2.8) (2.8) (1.3)

Net wealth Bottom 20% 0.6 0.3 0.6 0.2 0.3 0.0 1.0 1.1 1.2 0.0 3.5 0.0 0.1 1.0 < 0.1 1.2 0.3 0.3 0.6 0.8 1.7 0.4 2.9

(0.2) (0.5) (0.4) (0.1) (0.2) (0.1) (0.4) (0.3) (0.8) (0.1) (1.7) (0.1) (0.2) (0.8) (0.1) (0.5) (0.3) (0.2) (0.2) (0.5) (0.7) (0.3) (0.5)

20-40% 3.4 5.9 2.4 1.2 3.7 0.5 5.4 5.1 3.3 1.1 9.1 0.0 < 0.1 6.3 0.5 3.2 2.5 1.6 1.9 1.7 3.6 0.2 10.1

(0.3) (1.9) (0.6) (0.7) (0.8) (1.7) (1.1) (0.7) (1.7) (0.4) (2.7) (0.1) (0.1) (1.6) (0.3) (1.2) (1.0) (0.5) (0.6) (0.7) (1.2) (0.1) (0.9)

40-60% 5.8 6.6 8.7 4.3 5.0 1.3 7.2 7.9 2.4 1.1 16.7 0.8 0.2 5.8 0.2 12.3 3.4 4.9 2.2 1.7 2.7 1.0 15.5

(0.4) (1.7) (1.3) (1.1) (0.8) (1.6) (1.3) (0.7) (1.4) (0.5) (3.8) (0.8) (0.3) (1.6) (0.1) (2.2) (1.0) (1.0) (0.7) (0.6) (0.8) (0.8) (1.1)

60-80% 8.7 13.8 12.0 3.7 12.7 0.6 13.0 12.3 6.8 2.5 18.5 0.1 1.3 6.6 0.3 11.4 5.3 6.7 2.7 4.1 7.3 1.8 24.5

(0.4) (2.4) (1.6) (0.9) (2.4) (0.3) (1.4) (0.9) (1.8) (0.6) (3.5) (0.2) (0.7) (1.7) (0.2) (2.1) (1.1) (1.3) (0.7) (0.9) (1.4) (0.9) (1.2)

80-90% 17.8 16.5 25.5 7.9 21.9 0.5 24.8 21.9 12.0 6.3 25.5 0.1 2.4 12.3 2.2 24.1 7.6 6.4 3.8 6.6 12.6 5.0 39.1

(0.9) (3.6) (2.5) (1.6) (3.4) (0.4) (2.2) (1.6) (3.5) (1.2) (5.6) (0.2) (1.1) (3.2) (0.7) (5.0) (2.0) (1.7) (1.1) (1.7) (2.6) (3.0) (1.6)

90-100% 31.3 28.5 36.3 17.2 36.0 3.4 38.9 38.4 7.7 14.9 36.7 1.9 4.2 26.7 7.9 19.5 15.4 16.3 4.7 16.0 15.4 5.8 65.2

(1.0) (4.2) (2.6) (2.4) (3.5) (1.2) (2.6) (1.6) (2.8) (2.0) (5.3) (0.9) (1.7) (4.1) (1.1) (4.3) (2.2) (2.8) (1.0) (1.8) (2.8) (2.2) (1.4)

Household size 1 6.6 6.0 8.9 2.4 8.5 0.1 9.0 7.5 4.0 2.2 10.0 0.8 0.2 4.9 0.8 9.6 5.0 3.7 1.4 2.5 2.7 1.1 13.7

(0.3) (1.2) (0.9) (0.6) (1.2) (0.1) (1.0) (0.5) (1.1) (0.3) (3.0) (0.5) (0.2) (1.1) (0.2) (2.0) (0.8) (0.6) (0.4) (0.7) (0.9) (0.8) (0.7)

2 10.5 13.5 12.5 4.2 10.9 0.8 16.2 13.0 4.0 3.5 18.0 < 0.1 1.5 10.8 1.5 11.8 4.6 6.0 2.9 3.5 7.2 2.4 26.7

(0.4) (1.8) (1.0) (0.7) (1.1) (0.2) (1.1) (0.6) (1.2) (0.6) (2.8) (0.1) (0.5) (1.6) (0.3) (1.6) (0.7) (0.9) (0.6) (0.5) (1.0) (0.7) (0.7)

3 8.5 8.8 12.5 6.1 10.1 2.6 9.3 12.2 4.4 3.5 12.6 0.3 1.1 7.5 1.3 11.2 4.6 4.0 2.7 4.4 5.2 1.7 26.0

(0.5) (2.4) (1.6) (1.5) (1.5) (1.7) (1.1) (0.9) (1.4) (0.6) (2.8) (0.2) (0.6) (1.9) (0.3) (2.1) (1.3) (1.1) (0.6) (0.8) (1.0) (0.8) (1.5)

4 10.2 8.9 13.6 7.2 12.8 0.3 11.8 17.6 5.8 3.8 17.9 0.6 2.4 9.5 1.5 5.6 3.5 6.5 3.4 6.4 7.1 2.3 26.1

(0.5) (1.9) (1.8) (1.2) (2.4) (0.2) (1.4) (1.2) (1.9) (0.8) (3.2) (0.5) (1.5) (1.7) (0.4) (1.7) (1.2) (1.7) (0.7) (0.9) (1.2) (1.6) (1.3)

5+ 6.8 15.1 6.5 8.5 8.4 0.0 7.8 9.4 6.8 2.7 21.2 0.0 0.8 7.5 1.1 11.0 3.9 6.4 1.2 3.2 11.0 0.1 24.0 (0.5) (3.6) (1.7) (2.2) (1.5) (0.1) (1.6) (1.2) (2.4) (1.1) (3.6) (0.1) (1.0) (3.1) (0.4) (3.2) (1.9) (2.7) (0.4) (0.9) (2.1) (0.1) (1.8)


(0.3) (1.5) (1.3) (0.5) (1.3) (0.6) (0.8) (0.6) (0.9) (0.3) (2.6) (0.3) (0.3) (1.2) (0.2) (1.2) (1.5) (1.1) (0.3) (0.5) (0.8) (0.5) (0.8)




Renters / other 4.8 4.0 6.7 2.2 3.0 0.2 5.4 5.1 3.3 0.9 6.7 < 0.1 0.3 6.7 0.5 6.1 2.9 3.1 1.6 2.1 1.8 1.5 7.7

(0.3) (1.3) (0.6) (0.8) (0.6) (0.1) (0.9) (0.4) (1.5) (0.2) (1.7) (0.1) (0.4) (1.3) (0.3) (1.1) (0.6) (0.4) (0.4) (0.6) (0.6) (1.3) (0.6)

Age of RP 16-34 5.8 8.2 7.2 4.3 8.4 3.4 5.3 6.1 0.2 0.6 6.3 0.1 0.2 8.1 1.3 5.9 5.2 3.0 2.9 2.6 3.9 0.9 10.9

(0.5) (2.4) (1.3) (1.2) (2.7) (3.4) (1.9) (0.8) (0.3) (0.3) (3.0) (0.1) (0.2) (2.4) (0.5) (1.3) (1.4) (0.9) (0.9) (1.1) (1.3) (1.2) (0.9)

35-44 7.2 10.3 7.6 8.5 8.7 0.3 7.9 11.9 4.6 2.1 10.0 0.4 1.0 9.9 1.0 9.5 4.2 7.0 3.2 4.7 6.1 2.0 21.9

(0.4) (2.1) (1.2) (1.3) (1.1) (0.2) (1.1) (0.8) (1.7) (0.7) (2.8) (0.4) (0.6) (1.8) (0.3) (2.8) (1.2) (1.3) (0.8) (0.9) (1.4) (1.1) (1.1)

45-54 10.5 10.4 15.6 4.1 12.5 0.4 11.4 13.5 6.9 4.6 22.5 0.1 2.3 6.2 1.6 10.0 4.2 4.8 2.6 4.2 8.4 1.4 21.9

(0.5) (1.7) (1.5) (0.9) (1.7) (0.3) (1.3) (0.9) (1.8) (0.9) (3.3) (0.1) (0.9) (1.1) (0.4) (2.2) (1.1) (1.0) (0.6) (0.7) (1.2) (0.6) (1.1)

55-64 9.0 12.3 10.0 2.5 12.7 1.2 12.3 13.0 6.9 3.2 21.0 1.0 1.4 5.6 1.5 8.5 5.0 4.8 2.4 5.4 4.8 3.0 23.3

(0.4) (2.0) (1.2) (0.7) (2.0) (0.5) (1.2) (0.9) (1.7) (0.6) (3.2) (0.8) (0.6) (1.4) (0.3) (1.6) (1.0) (1.0) (0.5) (0.9) (0.9) (0.9) (1.0)

65-74 10.4 10.1 13.2 4.0 10.0 0.6 19.8 12.6 5.2 3.4 20.9 0.4 < 0.1 9.7 1.3 14.3 4.8 5.2 1.4 3.2 6.2 1.6 30.3

(0.5) (2.1) (1.6) (1.2) (1.3) (0.3) (1.6) (0.9) (1.7) (0.5) (4.6) (0.3) (0.1) (2.4) (0.3) (2.2) (0.8) (1.2) (0.4) (0.6) (1.4) (1.5) (1.3)

75+ 8.1 6.4 11.6 2.9 6.1 0.5 11.9 10.0 1.2 2.7 12.7 0.1 0.3 8.6 0.3 11.2 3.5 5.1 0.8 2.4 4.4 0.4 21.9

(0.5) (2.2) (1.6) (0.9) (1.1) (0.3) (1.3) (0.9) (0.8) (0.6) (3.6) (0.1) (0.2) (2.7) (0.2) (2.4) (1.0) (1.2) (0.3) (0.6) (1.6) (0.2) (1.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. Medians and deciles are conditional, among households owning any sort of financial asset. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, FI2, FI6, FI7, FI9, FR6, GR2, LV1, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table D1 Shares of main asset types on total assets % of total assets


DA1000 Total real assets 80.9 78.6 78.5 88.8 83.5 93.5 80.8 80.4 96.5 86.9 94.0 94.7 95.3 87.9 87.0 86.4 68.5 85.6 91.8 87.7 93.0 92.2 79.0

(0.3) (1.4) (0.7) (1.0) (1.2) (0.9) (1.0) (0.6) (0.9) (0.5) (0.8) (0.8) (0.4) (0.9) (0.5) (0.8) (1.6) (1.2) (0.3) (0.5) (0.5) (0.5) (0.3)


(0.3) (1.4) (0.7) (1.0) (1.2) (0.9) (1.0) (0.6) (0.9) (0.5) (0.8) (0.8) (0.4) (0.9) (0.5) (0.8) (1.6) (1.2) (0.3) (0.5) (0.5) (0.5) (0.3)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the share of real assets and financial assets out of the total amount of assets in each country. Real assets include the value of the household main residence for homeowners, other real estate property, vehicles, valuables (such as jewellery, works of art, antiques, etc.) and value of self-employment businesses. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. See country notes: AT1, AT2, BE2, EE1, EE2, EE3, ES1, ES2, FI1, FI2, FI3, FI4, FI6, FI7, FI9, FR1, FR6, GR2, HU4, LV2, LV4, LV5, LV6, NL1, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table D2 Shares of real assets types on total real assets % of total real assets


DA1110 Value of household's main residence 60.2 63.2 55.2 50.9 59.5 54.2 52.6 59.2 75.4 70.6 35.8 56.7 67.5 57.9 62.6 54.8 82.2 57.7 70.8 54.3 66.4 70.7 63.7

(0.6) (3.6) (1.7) (3.6) (1.7) (1.6) (1.1) (0.9) (4.3) (1.2) (3.5) (2.9) (4.3) (2.8) (1.8) (3.1) (1.6) (5.1) (1.1) (2.1) (2.3) (2.6) (0.5)

DA1120 Value of other real estate property 23.4 19.6 26.7 20.3 30.1 31.4 34.3 20.8 11.5 18.0 34.0 33.0 18.2 22.8 19.4 23.1 6.8 16.8 12.2 21.7 14.8 11.5 25.4 (0.5) (1.5) (1.5) (1.7) (1.7) (1.4) (1.1) (0.6) (1.4) (1.2) (3.3) (3.0) (3.5) (1.7) (1.2) (2.2) (0.9) (2.0) (0.6) (1.3) (1.1) (1.1) (0.4)

DA1130 Value of household's vehicles 3.6 2.7 4.0 2.7 2.7 4.7 2.9 3.7 3.9 3.2 1.8 5.0 3.7 2.6 4.8 2.6 4.2 4.5 3.8 4.4 4.6 6.0 4.8

(0.1) (0.2) (0.2) (0.2) (0.1) (0.2) (0.1) (0.2) (0.4) (0.1) (0.2) (0.3) (0.4) (0.1) (0.2) (0.1) (0.1) (0.4) (0.1) (0.2) (0.3) (0.3) (0.1)

DA1131 Valuables 2.2 0.9 1.1 0.7 2.8 0.4 1.1 6.1 0.2 1.9 0.3 0.3 0.1 1.3 0.7 0.6 0.8 1.1 0.4 0.6 0.8 0.6 M

(0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.2) (0.5) (0.1) (0.1) (0.1) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.2) (0.1) (0.1) (0.4) (0.1)

DA1140 Value of self-employment businesses 10.6 13.6 13.0 25.4 4.9 9.3 9.1 10.1 9.0 6.3 28.1 4.9 10.5 15.3 12.5 18.9 6.0 20.0 12.8 19.0 13.5 11.2 6.1

(0.7) (3.6) (2.0) (5.1) (0.6) (0.9) (1.0) (0.9) (4.9) (0.6) (5.3) (1.1) (3.9) (3.5) (2.0) (2.9) (1.2) (6.3) (1.0) (2.4) (2.5) (2.5) (0.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the share of the main types of real assets out of the total amount of real assets in each country. See country notes: AT1, AT2, ES1, ES2, FI1, FI3, FI4, FR1, FR6, HU4, LV2, LV4, LV5, LV6, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table D3 Shares of financial assets types on total financial assets % of total financial assets


DA2101 Deposits 43.7 43.8 46.4 71.2 31.3 90.3 34.6 38.6 68.0 52.1 49.7 64.5 56.8 49.0 63.7 51.8 39.5 73.4 76.8 75.9 56.6 68.1 40.5

(0.7) (2.9) (1.2) (4.4) (3.5) (2.6) (2.2) (1.3) (4.2) (2.4) (5.2) (5.5) (3.8) (3.6) (2.1) (2.3) (2.9) (2.0) (1.4) (1.6) (3.0) (3.5) (0.7)

DA2102 Mutual funds, total 10.7 23.8 10.4 4.3 8.4 N 9.6 4.7 N 11.4 N N 2.2 20.8 9.0 6.9 19.8 8.9 4.2 4.1 10.8 6.0 14.2 (0.5) (2.5) (0.7) (1.5) (2.0) (0.9) (0.4) (1.3) (0.6) (3.1) (1.1) (1.2) (3.2) (1.5) (0.8) (0.7) (2.9) (2.4) (0.3)

DA2103 Bonds 3.2 5.5 2.4 N 3.4 N 0.3 0.7 N 16.9 N N N N 15.6 17.9 N 2.6 0.5 1.5 N N 0.5

(0.2) (2.5) (0.3) (0.7) (0.1) (0.2) (1.2) (2.0) (2.1) (0.6) (0.1) (0.3) (0.1)

DA2105 Shares, publicly traded 8.0 7.3 8.4 5.3 10.0 N 13.3 8.1 4.5 4.3 2.6 N 1.6 6.6 3.1 6.9 2.4 3.0 1.9 2.7 5.0 N 23.0

(0.4) (1.8) (0.8) (1.6) (2.3) (1.9) (0.5) (0.9) (1.1) (1.0) (0.6) (1.5) (0.7) (1.5) (0.7) (0.7) (0.5) (0.8) (1.1) (0.4)

DA2107 Money owed to households 2.3 0.8 2.1 3.2 0.7 4.2 7.2 0.8 5.2 0.2 8.1 6.2 3.8 1.4 3.3 N 1.8 1.6 2.9 8.7 6.8 2.2 M

(0.2) (0.2) (0.3) (0.7) (0.3) (1.6) (1.0) (0.1) (1.9) (0.1) (2.4) (1.7) (0.7) (0.3) (0.4) (0.3) (0.3) (0.3) (1.1) (1.7) (0.6)

DA2109 Voluntary pension/whole life insurance 23.2 13.6 25.4 7.8 30.7 N 14.5 39.1 8.3 7.0 24.7 17.7 21.4 6.3 4.0 12.1 24.2 7.3 8.9 6.3 14.9 11.3 15.7

(0.7) (1.2) (1.0) (0.8) (3.0) (1.4) (1.7) (2.5) (0.8) (3.3) (2.7) (2.9) (0.8) (0.4) (1.2) (2.0) (1.0) (0.4) (0.6) (2.2) (1.5) (0.6)

DA2199 Other types of financial assets 8.9 5.1 4.9 8.1 15.5 N 20.5 8.0 N 8.2 5.1 N 12.7 14.6 1.4 N 12.2 3.2 4.8 0.8 5.1 N 6.1

(0.9) (1.5) (0.7) (4.4) (4.4) (4.4) (1.3) (1.6) (2.4) (3.7) (4.1) (0.5) (4.2) (1.2) (1.0) (0.3) (1.5) (0.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the share of the main types of financial assets out of the total amount of financial assets in each country. Other financial assets item includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. See country notes: AT1, BE2, EE1, EE2, EE3, ES1, ES2, FI2, FI6, FI7, FI9, FR6, GR2, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table D4 Share of financial assets on total assets - breakdowns % of total assets



(0.3) (1.4) (0.7) (1.0) (1.2) (0.9) (1.0) (0.6) (0.9) (0.5) (0.8) (0.8) (0.4) (0.9) (0.5) (0.8) (1.6) (1.2) (0.3) (0.5) (0.5) (0.5) (0.3)

Income Bottom 20% 13.8 16.7 25.2 17.3 8.6 4.3 11.5 15.1 2.1 7.2 6.7 3.4 4.8 9.0 9.3 16.9 31.9 16.6 6.3 11.7 6.7 6.2 20.2 (0.8) (2.5) (3.1) (3.9) (1.6) (1.2) (1.4) (1.2) (0.7) (1.3) (2.9) (1.2) (1.1) (2.6) (1.5) (2.1) (5.8) (2.3) (0.5) (1.1) (1.2) (1.8) (1.5)

20-40% 13.8 21.8 20.5 15.0 11.5 6.2 13.8 13.0 3.1 8.2 5.4 4.1 4.2 10.3 9.5 18.1 26.1 16.8 7.3 10.6 5.6 6.9 21.1

(0.6) (2.7) (3.3) (1.8) (1.6) (1.4) (1.4) (1.0) (0.8) (0.5) (3.2) (1.5) (1.2) (3.0) (1.0) (2.2) (2.6) (1.6) (0.5) (0.9) (0.9) (1.0) (1.1)

40-60% 16.0 18.3 22.6 11.5 16.6 5.1 14.3 16.9 2.8 10.7 5.6 2.7 3.1 12.7 11.4 13.0 28.5 15.2 6.9 10.4 6.0 6.4 20.8

(0.6) (3.9) (1.6) (1.9) (2.4) (0.9) (1.4) (1.0) (0.6) (0.7) (1.6) (0.5) (1.1) (2.0) (1.4) (1.1) (3.2) (1.3) (0.4) (1.3) (0.9) (1.0) (1.0)

60-80% 17.7 19.9 21.8 9.0 16.3 6.5 15.5 16.2 3.5 11.4 5.9 4.0 4.9 12.9 12.4 12.2 25.3 15.5 7.5 12.4 6.0 8.4 17.3

(0.5) (2.0) (1.4) (1.4) (2.1) (1.0) (1.1) (0.7) (0.6) (0.6) (1.4) (0.7) (0.9) (2.5) (1.0) (1.2) (1.9) (1.5) (0.6) (1.0) (0.9) (1.1) (0.6)

80-90% 19.9 21.8 21.2 10.7 14.4 7.3 18.9 17.3 3.5 13.5 7.7 3.7 4.8 14.5 14.0 14.9 32.8 16.1 7.6 14.4 7.5 7.1 17.0

(1.0) (3.4) (1.7) (1.7) (4.0) (1.4) (1.7) (0.7) (1.0) (0.9) (2.2) (0.7) (1.2) (1.8) (1.9) (2.8) (3.7) (1.6) (0.7) (1.1) (2.0) (1.5) (1.1)

90-100% 23.7 27.3 21.0 10.5 22.9 8.3 26.9 26.2 5.3 18.3 5.8 8.5 6.3 11.3 16.3 10.7 39.7 11.9 11.1 12.8 9.1 9.7 25.6

(0.8) (3.3) (1.5) (2.3) (2.9) (2.4) (2.6) (1.4) (3.5) (1.4) (1.6) (2.1) (1.3) (2.0) (1.5) (1.4) (3.9) (2.4) (0.9) (1.0) (1.6) (1.9) (0.9)


(1.2) (5.8) (5.7) (4.3) (2.3) (1.9) (1.3) (1.2) (3.1) (2.2) (2.8) (3.3) (2.3) (4.8) (1.1) (3.4) (2.2) (8.4) (3.0) (1.5) (4.4) (1.6) (1.4)

20-40% 26.9 16.5 50.9 17.2 10.8 5.3 13.3 22.5 4.0 15.8 13.0 8.5 5.8 13.9 7.6 14.2 26.9 55.9 9.7 9.8 6.7 6.4 16.9

(0.8) (1.5) (3.6) (1.7) (0.8) (0.6) (0.9) (1.3) (1.0) (1.2) (2.4) (3.6) (1.3) (1.8) (0.9) (1.1) (3.0) (3.2) (0.7) (0.8) (0.9) (0.8) (0.8)

40-60% 16.4 15.9 35.7 11.2 7.5 4.7 12.1 14.4 3.1 8.7 9.0 5.1 5.4 8.1 9.4 16.2 23.8 30.5 9.3 9.4 5.7 7.3 12.5

(0.4) (1.5) (1.9) (0.9) (0.9) (0.7) (0.7) (0.6) (0.6) (0.5) (2.1) (0.7) (0.9) (0.8) (0.9) (1.2) (1.3) (1.5) (0.5) (0.8) (0.6) (1.0) (0.5)

60-80% 15.2 18.0 23.0 12.3 11.5 4.9 12.9 14.7 3.5 9.2 9.6 3.8 6.4 9.9 9.9 12.9 21.3 13.8 8.1 11.9 6.9 8.1 15.8

(0.3) (1.2) (1.1) (0.8) (0.8) (0.5) (0.7) (0.5) (0.6) (0.4) (1.8) (0.6) (0.8) (0.8) (0.8) (1.0) (1.1) (0.9) (0.5) (0.7) (0.7) (0.8) (0.5)

80-90% 18.1 25.3 23.2 12.2 16.3 6.2 16.4 17.5 3.6 12.2 8.8 4.1 5.2 14.7 13.9 18.6 26.3 14.5 6.8 14.0 7.2 9.0 18.6

(0.4) (2.1) (1.3) (1.0) (1.3) (1.1) (1.0) (0.7) (0.7) (0.7) (2.7) (0.8) (1.0) (1.9) (1.1) (2.1) (2.1) (1.0) (0.5) (1.0) (0.9) (1.4) (0.7)

90-100% 21.1 24.2 17.5 10.0 21.7 8.3 24.9 23.7 3.4 16.1 3.5 5.9 2.9 12.8 15.3 11.0 43.5 10.7 7.4 12.9 7.1 7.5 28.0

(0.6) (3.3) (1.2) (1.7) (2.6) (1.8) (2.0) (1.2) (1.9) (1.2) (1.0) (1.5) (0.6) (2.0) (1.1) (1.3) (3.3) (1.6) (0.6) (0.9) (1.1) (1.2) (0.7)

Household size 1 21.9 22.0 25.6 16.7 13.9 8.0 21.0 23.8 4.0 12.6 7.1 6.2 4.4 13.9 11.4 13.7 33.8 15.5 11.4 14.9 8.0 10.1 25.8

(0.7) (2.0) (2.2) (2.3) (2.1) (1.4) (2.1) (1.1) (0.8) (0.7) (2.7) (3.2) (1.0) (1.9) (1.4) (1.3) (2.8) (3.2) (0.7) (1.3) (1.0) (1.9) (1.1)

2 21.0 26.7 22.6 12.0 18.6 7.8 21.3 21.1 2.7 14.5 7.3 5.2 4.8 12.2 14.4 16.7 30.9 16.9 10.0 14.0 7.4 8.2 24.3

(0.5) (2.2) (1.0) (2.1) (1.6) (0.9) (2.3) (0.8) (0.7) (0.8) (2.2) (0.8) (0.8) (2.1) (1.0) (1.9) (2.3) (1.2) (0.6) (0.9) (0.9) (1.0) (0.7)

3 17.0 18.9 18.6 7.9 19.3 5.4 17.2 19.1 3.3 12.8 7.5 4.5 4.3 13.8 12.3 12.1 28.4 14.3 8.7 11.1 8.0 7.5 14.4

(0.7) (2.6) (1.8) (1.3) (3.6) (2.0) (1.3) (2.5) (0.7) (1.2) (1.6) (0.9) (0.9) (2.8) (1.3) (1.2) (2.8) (1.7) (0.7) (1.0) (1.6) (1.2) (1.0)

4 15.0 19.5 17.0 8.5 15.7 5.4 16.0 13.7 5.7 11.1 5.5 6.2 5.1 9.3 12.1 11.6 26.7 12.4 7.6 11.3 7.3 7.8 14.8

(0.5) (2.1) (1.2) (1.3) (4.1) (1.1) (1.2) (0.9) (3.6) (1.3) (1.1) (2.1) (1.0) (1.1) (1.2) (1.2) (3.5) (1.5) (0.5) (1.0) (0.9) (1.2) (1.6)

5+ 15.5 11.8 15.2 12.1 13.8 4.7 17.6 13.3 2.4 13.5 3.5 3.6 5.3 9.9 14.2 9.5 39.2 9.4 4.9 8.8 4.6 5.7 10.1 (1.4) (4.2) (2.3) (3.6) (2.1) (1.5) (3.7) (1.7) (0.7) (3.5) (0.9) (0.9) (1.8) (2.2) (1.3) (0.9) (7.6) (3.1) (0.4) (1.5) (0.8) (1.1) (0.8)


(0.4) (1.8) (0.9) (1.0) (1.6) (0.9) (1.5) (0.6) (1.0) (0.5) (1.1) (1.2) (0.4) (1.4) (0.6) (1.0) (3.4) (1.2) (0.3) (0.7) (0.6) (0.7) (0.6)




Renters / other 44.7 46.3 49.5 11.8 42.6 13.5 34.2 36.9 18.6 36.8 17.1 14.5 19.2 30.0 32.8 51.0 75.3 41.2 25.5 28.4 20.7 32.1 45.3

(1.7) (4.4) (2.9) (6.9) (5.1) (2.4) (2.9) (2.8) (6.0) (4.1) (4.5) (6.5) (9.4) (5.3) (4.9) (3.6) (4.5) (11.5) (3.6) (3.5) (4.1) (6.4) (2.6)

Age of RP 16-34 20.0 18.2 26.6 6.0 11.5 6.8 16.1 15.8 3.7 8.9 12.7 5.6 5.6 16.9 15.3 8.7 38.3 17.2 10.8 8.4 8.5 10.7 15.0

(1.4) (2.8) (3.4) (2.5) (6.0) (2.1) (2.6) (1.0) (1.4) (1.2) (4.0) (0.9) (1.5) (3.6) (2.4) (0.8) (8.2) (2.1) (1.2) (1.3) (1.3) (2.5) (0.9)

35-44 16.8 17.4 23.3 12.1 16.8 5.1 13.3 15.8 2.9 12.1 6.8 5.6 4.6 9.5 12.7 9.6 25.5 14.7 8.1 11.3 5.0 8.6 13.2

(0.8) (1.6) (1.9) (2.3) (3.9) (0.9) (1.3) (2.5) (0.6) (1.9) (1.1) (1.6) (1.0) (1.5) (1.2) (1.3) (2.7) (2.0) (0.6) (0.8) (0.8) (1.3) (0.7)

45-54 16.7 19.0 18.8 8.0 16.1 5.6 15.3 16.0 5.3 12.0 5.1 6.4 4.2 10.9 13.3 13.7 31.6 13.1 7.2 10.6 8.5 7.3 16.4

(0.6) (1.8) (1.5) (1.3) (1.8) (2.4) (1.4) (1.0) (3.4) (1.3) (1.6) (1.8) (0.7) (0.9) (1.2) (1.4) (3.5) (2.0) (0.6) (0.8) (1.4) (1.0) (1.1)

55-64 19.2 21.9 20.9 10.6 19.3 6.1 19.1 18.8 3.3 12.9 3.6 4.9 5.0 14.3 11.9 13.8 37.0 12.3 8.3 12.9 7.1 7.0 24.4

(0.6) (3.6) (1.4) (1.3) (2.3) (1.1) (1.4) (0.9) (0.9) (1.0) (1.1) (2.6) (1.2) (2.3) (1.0) (1.5) (3.0) (2.3) (0.4) (1.2) (1.0) (1.2) (1.1)

65-74 21.0 25.1 22.9 18.3 16.8 8.7 22.1 22.4 2.5 14.7 10.8 4.9 4.9 12.3 13.1 18.9 29.2 16.1 8.0 14.9 7.5 8.0 26.9

(0.6) (2.5) (1.6) (2.7) (2.2) (1.4) (1.7) (0.9) (0.7) (1.1) (3.8) (1.0) (1.9) (2.1) (1.2) (2.5) (3.2) (1.7) (0.7) (1.5) (1.3) (1.2) (1.2)

75+ 22.5 25.9 23.7 23.2 13.6 7.3 26.0 27.3 3.1 14.3 6.9 3.3 3.6 10.8 11.6 18.0 23.6 19.4 7.8 14.6 6.3 5.8 27.8

(1.0) (4.2) (2.0) (2.6) (2.1) (1.6) (4.3) (1.6) (0.8) (1.0) (2.9) (0.7) (0.7) (4.4) (1.8) (1.9) (2.2) (2.2) (0.8) (1.8) (1.1) (1.1) (1.7)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the share of financial assets out of the total amount of assets held by the particular sub-population of households. Financial assets include deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. Total assets include the sum of financial assets and real assets, which include the value of the household main residence for homeowners, other real estate property, vehicles, valuables (such as jewellery, works of art, antiques, etc.) and value of self-employment businesses. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, ES1, ES2, ES7, FI1, FI2, FI3, FI4, FI6, FI7, FI9, FR1, FR6, GR2, HU4, LV1, LV2, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table E1 Percentage of households holding debt % of households


DL1000i Has debt 41.9 49.9 45.4 48.0 51.5 19.7 52.7 45.5 40.7 21.4 56.8 39.6 26.1 53.2 31.6 34.3 57.8 32.7 40.5 45.7 32.2 36.6 58.0

(0.3) (1.2) (0.9) (1.1) (1.0) (1.2) (0.8) (0.7) (1.8) (0.7) (1.7) (1.5) (1.6) (1.4) (0.7) (1.2) (0.8) (1.0) (0.8) (0.8) (1.1) (1.4) (0.6)

DL1100i Has mortgage debt 23.5 37.0 20.9 20.9 29.5 10.9 34.2 25.2 9.0 8.9 38.6 13.8 11.7 31.2 17.4 20.9 48.2 16.5 15.0 34.1 9.1 20.7 35.0 (0.3) (1.2) (0.7) (0.9) (0.8) (0.8) (0.8) (0.5) (1.0) (0.5) (1.8) (1.4) (1.1) (1.2) (0.6) (1.0) (0.6) (0.8) (0.6) (0.7) (0.7) (1.1) (0.4)

DL1110i Has HMR mortgage 20.5 34.5 17.3 18.1 25.8 9.4 28.3 21.3 8.6 8.4 30.5 11.5 10.4 26.8 15.8 17.8 47.4 15.6 13.2 31.8 8.2 19.6 32.3

(0.2) (1.2) (0.6) (0.8) (0.8) (0.8) (0.8) (0.5) (1.0) (0.5) (1.7) (1.2) (1.2) (1.1) (0.6) (1.0) (0.5) (0.8) (0.6) (0.7) (0.6) (1.1) (0.4)

DL1120i Has other property mortgage 4.7 5.2 5.9 3.7 6.6 1.7 9.2 5.7 0.4 0.9 13.6 3.0 2.0 7.2 2.1 3.3 1.9 1.4 2.2 4.0 1.4 1.4 4.8

(0.2) (0.7) (0.5) (0.4) (0.4) (0.3) (0.5) (0.2) (0.2) (0.2) (1.3) (0.6) (0.3) (0.7) (0.2) (0.6) (0.3) (0.2) (0.2) (0.3) (0.3) (0.4) (0.2)

DL1200i Has non-mortgage debt 27.2 25.8 32.6 40.3 38.7 10.4 33.6 30.6 35.8 15.5 34.4 32.9 18.5 35.4 20.1 22.8 17.7 20.3 32.1 22.6 26.9 21.4 44.8

(0.3) (1.3) (0.9) (1.1) (1.0) (1.0) (0.9) (0.6) (1.8) (0.6) (1.8) (1.5) (1.6) (1.4) (0.7) (1.1) (0.9) (0.8) (0.8) (0.9) (1.0) (1.3) (0.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Mortgage debt includes mortgages collateralised on household's main residence and mortgages collateralised on other real estate property owned by the household. Non-mortgage debt includes non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). See country notes: EE4, EE5, FI5, FI8, FR3, FR6, GR3, HU3, IT2, LT1, LV3, LV4, LV5, NL1, PL2, PL4, PL5 for information on country-specific issues that may affect the comparability of the figures.


Table E2 Debt - conditional medians EUR thousands



(0.9) (6.0) (1.3) (0.6) (6.0) (3.4) (2.9) (2.0) (0.3) (2.0) (5.4) (0.8) (0.8) (13.9) (0.4) (4.8) (5.4) (2.0) (0.2) (1.6) (0.7) (1.3) (1.3)

DL1100 Outstanding balance of mortgage debt 80.0 100.0 81.4 29.9 122.0 39.4 67.8 86.7 20.0 70.0 100.5 22.1 23.4 232.8 11.4 80.0 159.7 64.6 25.3 50.9 36.4 31.7 76.1 (0.9) (5.6) (4.9) (2.0) (4.6) (4.2) (3.0) (2.4) (3.9) (2.9) (8.4) (2.3) (4.1) (15.7) (0.7) (4.2) (3.0) (4.8) (1.3) (1.7) (4.1) (3.4) (1.7)

DL1110 Outstanding balance of HMR mortgages 80.0 99.1 76.8 28.2 119.4 38.9 63.7 83.0 20.0 70.0 100.0 23.7 26.7 205.7 11.3 80.0 158.0 64.8 24.8 50.3 35.6 30.8 76.0

(1.2) (6.8) (4.3) (2.0) (4.5) (4.9) (3.4) (2.4) (4.2) (3.0) (6.2) (2.8) (5.1) (17.1) (0.7) (4.7) (3.7) (4.6) (1.4) (1.5) (3.0) (3.4) (1.7)

DL1120 Outstanding balance of mortgages on other properties 69.8 88.9 81.8 29.2 148.5 50.0 52.6 80.0 N 70.0 70.9 21.5 9.7 234.6 13.0 100.0 144.1 50.8 22.6 49.7 30.0 N 43.6

(3.8) (14.7) (9.6) (3.1) (16.2) (13.2) (4.6) (4.3) (30.8) (13.1) (4.7) (2.2) (36.0) (1.9) (12.2) (30.4) (19.4) (2.5) (5.6) (7.8) (3.1)

DL1200 Outstanding balance of non-mortgage debt 5.0 5.0 5.0 1.3 5.3 2.9 5.5 6.7 1.6 5.0 7.4 1.3 1.0 10.0 1.0 3.5 5.0 2.3 0.6 3.1 2.2 2.0 9.0

(0.1) (0.6) (0.3) (0.1) (0.5) (0.6) (0.3) (0.3) (0.2) (0.4) (0.9) (0.2) (0.1) (1.0) (0.1) (0.4) (0.4) (0.3) (0.1) (0.3) (0.2) (0.3) (0.2)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Mortgage debt includes mortgages collateralised on household's main residence and mortgages collateralised on other real estate property owned by the household. Non-mortgage debt includes non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). Medians are conditional: total l iabilities among households having some debt, for sub-items among households having the particular types of debt. See country notes: EE4, EE5, FI5, FI8, FR3, FR6, GR3, HU3, IT2, LT1, LV3, LV4, LV5, NL1, PL2, PL4, PL5 for information on country-specific issues that may affect the comparability of the figures.


Table E3 Shares of debt types on total liabilities % of total liabilities


DL1100 Outstanding balance of mortgage debt 88.0 94.1 88.1 88.2 89.1 82.5 85.0 84.1 65.7 80.6 90.8 79.1 88.2 91.4 79.1 87.5 97.3 88.1 89.0 93.6 73.5 89.0 76.8

(0.4) (0.7) (1.0) (0.9) (2.5) (5.5) (1.1) (1.1) (4.6) (2.4) (1.2) (3.1) (2.0) (1.0) (1.5) (1.4) (0.3) (1.8) (1.0) (0.4) (2.5) (1.4) (0.7)

DL1110 Outstanding balance of HMR mortgages 69.6 81.9 58.1 73.0 69.7 64.3 63.8 65.3 63.2 67.1 56.7 65.2 80.5 67.8 67.7 72.9 94.2 81.9 75.6 81.6 57.1 82.2 68.8 (1.0) (2.1) (3.0) (2.3) (2.9) (5.9) (1.7) (1.1) (4.9) (4.0) (4.4) (4.6) (2.5) (2.8) (2.0) (3.0) (0.8) (2.6) (2.2) (1.5) (3.6) (3.0) (0.8)

DL1120 Outstanding balance of mortgages on other properties 18.4 12.3 30.0 15.1 19.3 18.2 21.2 18.9 N 13.5 34.1 14.0 7.7 23.6 11.4 14.6 3.0 6.2 13.3 12.0 16.4 N 8.0

(1.1) (2.1) (3.4) (2.4) (1.9) (4.9) (1.6) (1.0) (4.4) (4.8) (3.5) (1.6) (2.8) (1.4) (2.9) (0.7) (1.7) (2.0) (1.4) (4.2) (0.7)

DL1200 Outstanding balance of non-mortgage debt 12.0 5.9 11.9 11.8 10.9 17.5 15.0 15.9 34.3 19.4 9.2 20.9 11.8 8.6 20.9 12.5 2.7 11.9 11.0 6.4 26.5 11.0 23.2

(0.4) (0.7) (1.0) (0.9) (2.5) (5.5) (1.1) (1.1) (4.6) (2.4) (1.2) (3.1) (2.0) (1.0) (1.5) (1.4) (0.3) (1.8) (1.0) (0.4) (2.5) (1.4) (0.7)

DL1210 Outstanding balance of credit line/overdraft 1.0 0.3 2.1 0.2 0.5 N 0.6 0.4 9.5 1.1 2.4 0.7 2.9 0.6 2.2 4.7 0.7 0.9 N 0.1 2.5 0.3 0.3

(0.1) (0.1) (0.3) (0.1) (0.2) (0.2) (0.1) (1.7) (0.2) (0.4) (0.2) (0.6) (0.2) (0.3) (1.2) (0.1) (0.1) (0.1) (0.3) (0.1) (0.1)

DL1220 Outstanding balance of credit card debt 0.2 0.2 0.1 2.0 0.4 1.4 0.4 0.1 1.2 0.2 0.5 0.3 0.7 0.1 0.9 0.8 0.1 N 1.2 0.3 0.6 0.2 0.8

(0.1) (0.1) (0.1) (0.2) (0.1) (0.3) (0.1) (0.1) (0.4) (0.1) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1)

DL1230 Outstanding balance of other non-mortgage loans 10.9 5.4 9.7 9.6 10.1 15.8 14.0 15.4 23.6 18.0 6.3 19.8 8.3 7.9 17.8 7.0 2.0 10.9 9.9 5.9 23.4 10.6 22.1

(0.4) (0.7) (0.8) (0.8) (2.5) (5.6) (1.0) (1.1) (3.9) (2.3) (1.0) (3.1) (1.8) (1.0) (1.5) (0.8) (0.3) (1.8) (1.0) (0.4) (2.3) (1.4) (0.7)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the share of the main types of debt out of the total amount of l iabil ities in each country. Mortgage debt includes mortgages collateralised on household's main residence and mortgages collateralised on other real estate property owned by the household. Non-mortgage debt includes non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). See country notes: EE4, EE5, FI5, FI8, FR3, FR6, GR3, HU3, IT2, LT1, LV3, LV4, LV5, NL1, PL2, PL4, PL5 for information on country-specific issues that may affect the comparability of the figures.


Table E4 Total debt, among households holding debt - distribution EUR thousands


Mean 72.2 90.9 65.2 22.4 114.0 37.3 64.3 72.1 10.1 49.2 123.2 13.8 19.8 196.9 12.3 63.8 159.7 57.3 14.7 52.8 20.0 25.4 77.4

(1.3) (3.6) (3.5) (1.2) (7.8) (4.3) (2.2) (2.1) (1.2) (4.3) (9.9) (1.7) (1.5) (10.0) (0.5) (3.0) (4.4) (4.2) (0.9) (1.0) (1.8) (1.8) (1.2)

p10 1.0 2.0 0.6 0.2 1.0 0.7 1.7 1.5 0.2 1.5 2.5 0.2 0.3 3.0 0.3 1.0 5.2 0.6 0.1 1.7 0.3 0.6 2.4 (0.1) (0.5) (0.1) (0.1) (0.1) (0.2) (0.2) (0.1) (0.1) (0.2) (0.9) (0.1) (0.1) (0.5) (0.1) (0.2) (1.0) (0.1) (0.1) (0.3) (0.1) (0.1) (0.2)

p20 3.5 7.4 2.5 0.5 3.7 1.5 5.0 4.1 0.4 2.5 10.0 0.3 0.6 9.0 0.6 4.0 32.2 1.5 0.3 5.5 0.9 2.0 6.5

(0.2) (0.8) (0.4) (0.1) (0.4) (0.5) (0.4) (0.3) (0.1) (0.3) (2.4) (0.1) (0.1) (0.9) (0.1) (0.7) (5.1) (0.2) (0.1) (0.6) (0.1) (0.2) (0.3)

p30 7.8 15.8 5.6 1.1 7.6 3.7 10.7 7.8 0.9 5.0 21.0 1.0 1.0 17.6 1.5 10.0 68.3 3.6 0.6 12.7 1.7 3.8 12.0

(0.3) (2.3) (0.6) (0.1) (0.8) (1.0) (0.9) (0.4) (0.1) (0.5) (3.1) (0.2) (0.2) (2.1) (0.2) (1.5) (4.1) (0.6) (0.1) (1.3) (0.2) (0.8) (0.5)

p40 15.0 33.5 10.0 2.3 15.8 9.1 20.0 14.5 1.5 8.0 40.3 1.7 2.7 35.3 3.2 20.0 104.3 8.2 1.2 23.2 3.0 7.0 21.9

(0.5) (4.6) (0.7) (0.3) (2.3) (2.2) (1.2) (1.0) (0.2) (0.6) (7.7) (0.3) (0.6) (7.1) (0.2) (4.6) (4.3) (1.1) (0.1) (1.6) (0.3) (0.9) (1.0)

p50 29.5 68.1 20.0 4.9 42.3 14.8 36.5 29.0 2.2 12.5 64.6 3.0 5.7 91.7 5.5 40.0 133.7 17.1 2.3 35.0 5.9 11.4 39.2

(0.9) (6.0) (1.3) (0.6) (6.0) (3.4) (2.9) (2.0) (0.3) (2.0) (5.4) (0.8) (0.8) (13.9) (0.4) (4.8) (5.4) (2.0) (0.2) (1.6) (0.7) (1.3) (1.3)

p60 51.1 93.2 36.4 10.5 89.7 25.4 58.0 55.0 3.2 27.0 89.8 5.3 11.3 164.4 8.7 67.6 167.4 30.9 4.7 49.9 10.2 18.9 63.1

(1.5) (6.1) (2.8) (1.2) (5.9) (4.3) (2.9) (2.8) (0.8) (5.0) (8.5) (1.3) (2.0) (16.1) (0.6) (7.5) (3.6) (3.4) (0.5) (1.4) (1.4) (2.4) (2.0)

p70 80.6 121.4 63.6 19.2 128.0 40.0 81.0 88.5 6.5 53.0 130.0 13.0 18.8 249.6 13.0 87.6 199.5 57.3 12.3 65.8 17.9 30.1 94.2

(1.3) (6.5) (5.6) (1.7) (5.6) (4.4) (2.7) (3.3) (1.1) (6.8) (9.5) (3.0) (3.5) (19.6) (0.6) (4.5) (3.8) (5.6) (1.4) (1.9) (1.7) (3.8) (1.8)

p80 121.1 164.5 101.7 35.0 179.6 59.6 108.6 128.4 13.3 76.5 186.7 25.0 30.7 352.3 19.7 118.0 243.6 90.2 24.5 86.8 30.0 46.9 135.6

(2.2) (6.7) (5.9) (2.6) (9.1) (7.6) (3.6) (3.0) (2.1) (3.4) (12.6) (3.8) (4.1) (19.2) (1.3) (8.1) (6.4) (4.8) (1.6) (2.5) (2.4) (4.8) (2.0)

p90 186.0 220.9 174.5 65.6 273.4 93.7 156.2 185.4 30.2 120.0 279.8 33.6 63.6 512.6 32.2 162.8 316.6 160.6 44.4 122.7 50.8 66.8 193.3

(3.0) (9.2) (8.9) (4.4) (10.3) (9.3) (5.4) (3.5) (4.3) (7.6) (24.4) (5.0) (5.6) (22.7) (1.3) (9.9) (9.3) (9.6) (1.9) (4.1) (4.0) (6.2) (2.9)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Total debt includes mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). The mean and the deciles are conditional, among households having some debt. See country notes: EE4, EE5, FI5, FI8, FR3, FR6, GR3, HU3, IT2, LT1, LV3, LV4, LV5, NL1, PL2, PL4, PL5 for information on country-specific issues that may affect the comparability of the figures.


Table E5 Percentage of households holding debt - breakdowns % of households



(0.3) (1.2) (0.9) (1.1) (1.0) (1.2) (0.8) (0.7) (1.8) (0.7) (1.7) (1.5) (1.6) (1.4) (0.7) (1.2) (0.8) (1.0) (0.8) (0.8) (1.1) (1.4) (0.6)

Income Bottom 20% 23.6 23.0 28.3 15.2 28.2 15.5 28.7 23.1 27.2 11.8 31.9 13.0 11.6 32.8 16.9 8.1 35.7 21.2 22.5 18.4 18.9 17.2 33.3 (0.7) (2.8) (2.2) (2.6) (3.6) (2.6) (2.0) (1.5) (3.3) (1.2) (4.6) (3.0) (2.4) (3.6) (1.6) (2.0) (2.4) (1.8) (1.4) (1.7) (2.2) (2.0) (1.6)

20-40% 30.5 34.9 36.3 28.5 34.3 14.7 44.5 32.5 29.6 17.7 53.7 22.5 12.6 51.8 22.2 15.4 48.0 27.1 33.4 34.1 19.9 28.7 43.8

(0.8) (3.5) (2.6) (3.1) (2.1) (2.2) (2.2) (1.4) (3.3) (1.6) (5.5) (4.2) (4.8) (4.0) (1.7) (2.5) (2.5) (2.1) (1.7) (2.3) (2.3) (2.9) (1.6)

40-60% 41.1 49.3 46.5 51.8 51.3 20.4 58.1 45.7 42.8 15.1 59.0 45.4 23.2 52.6 30.8 38.6 56.7 29.8 42.0 49.9 30.9 43.6 56.6

(0.8) (3.6) (2.6) (2.8) (2.1) (3.2) (2.4) (1.5) (4.5) (1.5) (4.7) (5.2) (4.3) (3.5) (1.9) (3.3) (2.4) (2.0) (1.8) (2.3) (2.4) (3.3) (1.4)

60-80% 52.9 67.9 54.0 64.4 68.6 22.1 63.0 59.7 54.1 26.0 65.8 51.0 37.6 62.9 42.9 50.8 72.2 39.4 48.4 60.9 44.8 46.9 74.3

(0.9) (3.2) (2.3) (2.6) (2.3) (2.6) (2.1) (1.3) (4.6) (1.7) (4.4) (4.0) (5.2) (3.5) (2.2) (3.7) (2.6) (2.3) (2.1) (2.2) (2.5) (3.7) (1.1)

80-90% 59.6 71.5 63.6 78.9 80.6 22.8 70.9 65.3 51.3 34.8 69.7 63.6 41.5 66.1 46.1 50.1 77.4 41.8 51.2 64.9 46.1 46.0 83.1

(1.2) (4.8) (3.1) (2.6) (3.2) (3.5) (3.1) (1.7) (7.4) (2.3) (6.6) (5.4) (5.7) (5.1) (3.2) (5.3) (3.3) (3.5) (3.1) (2.8) (4.1) (6.3) (1.2)

90-100% 63.3 77.7 60.6 81.3 69.7 29.0 67.1 68.1 49.4 37.7 77.5 69.6 50.9 66.1 44.6 67.9 75.4 50.5 61.1 65.5 47.3 47.7 80.6

(1.1) (3.9) (3.0) (2.4) (3.4) (3.9) (2.6) (1.4) (7.5) (2.4) (4.6) (3.8) (6.6) (4.4) (2.8) (4.3) (3.3) (3.6) (3.0) (2.3) (3.6) (5.6) (1.1)

Age of RP 16-34 50.8 67.2 53.4 66.9 54.1 13.8 62.5 52.3 42.0 25.2 48.9 51.4 49.4 68.0 39.7 59.2 46.0 43.0 56.1 54.2 42.9 56.9 75.7

(1.1) (4.6) (2.4) (3.0) (3.6) (3.8) (3.4) (1.7) (6.0) (3.3) (5.8) (5.0) (5.1) (3.9) (2.3) (3.1) (2.8) (2.3) (2.2) (3.5) (3.8) (4.6) (1.3)

35-44 61.2 77.3 64.6 75.4 72.5 26.2 76.0 66.9 62.7 32.1 75.5 68.6 40.6 67.0 48.6 61.2 74.1 51.2 58.4 75.4 50.1 57.7 82.1

(0.9) (2.9) (2.5) (2.5) (1.8) (2.8) (2.2) (1.6) (4.2) (2.4) (3.6) (4.5) (3.7) (3.4) (1.9) (3.4) (2.6) (2.5) (1.9) (1.9) (3.0) (3.7) (1.4)

45-54 56.5 71.6 60.1 59.5 69.9 27.2 68.7 62.2 45.6 33.8 78.0 47.7 30.6 66.6 41.5 39.3 71.6 48.2 45.8 64.1 37.6 48.4 72.7

(0.8) (3.0) (2.3) (2.8) (2.3) (2.8) (1.7) (1.5) (3.7) (1.9) (3.7) (4.2) (3.1) (2.8) (1.8) (3.5) (2.5) (2.3) (1.9) (2.0) (2.2) (3.4) (1.4)

55-64 42.4 44.5 47.7 44.6 50.4 27.2 54.1 44.0 44.5 21.7 62.5 40.9 17.7 47.0 25.9 27.5 64.5 27.1 33.3 45.5 34.9 21.5 56.6

(0.8) (3.1) (2.4) (2.7) (2.9) (2.8) (2.0) (1.4) (4.0) (1.6) (4.3) (3.9) (2.8) (3.4) (1.6) (2.7) (2.1) (2.1) (1.6) (2.1) (2.2) (2.5) (1.4)

65-74 25.3 21.5 27.2 26.8 25.8 13.8 31.9 30.8 27.4 12.4 29.6 21.6 10.6 30.1 17.8 9.4 44.6 12.7 25.9 23.0 18.2 11.3 37.0

(0.7) (2.8) (2.4) (2.9) (1.8) (2.2) (2.0) (1.3) (4.0) (1.3) (5.2) (3.8) (2.6) (3.8) (1.4) (1.8) (2.0) (1.5) (1.7) (2.1) (2.2) (2.2) (1.6)

75+ 9.1 5.6 10.2 2.7 8.4 5.8 11.1 10.3 16.1 4.0 10.6 3.6 2.4 14.3 6.2 2.3 34.5 8.5 13.0 4.7 6.2 3.9 11.6

(0.5) (1.7) (1.4) (0.8) (1.3) (1.5) (1.4) (1.0) (3.2) (0.7) (3.8) (1.5) (0.8) (3.8) (1.0) (0.9) (2.8) (1.6) (1.5) (0.9) (1.4) (1.7) (1.2)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Debt instruments include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, nonmortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT3, EE4, EE5, ES7, FI5, FI8, FR3, FR6, GR3, HU3, IT2, LT1, LV1, LV3, LV4, LV5, NL1, PL2, PL4, PL5 for information on country-specific issues that may affect the comparability of the figures.


Table E6 Total debt, conditional medians - breakdowns EUR thousands



(0.9) (6.0) (1.3) (0.6) (6.0) (3.4) (2.9) (2.0) (0.3) (2.0) (5.4) (0.8) (0.8) (13.9) (0.4) (4.8) (5.4) (2.0) (0.2) (1.6) (0.7) (1.3) (1.3)

Income Bottom 20% 5.2 3.0 3.5 0.8 3.8 9.3 9.4 4.0 1.9 3.0 25.0 N 4.4 12.1 2.3 N 51.0 1.9 0.6 11.1 3.0 2.3 8.1 (0.5) (1.6) (0.9) (0.4) (0.8) (7.2) (2.4) (1.0) (0.4) (0.7) (11.2) (6.0) (5.4) (0.9) (15.1) (0.3) (0.1) (5.5) (2.9) (0.7) (0.7)

20-40% 9.3 13.7 5.8 0.7 5.9 11.2 17.8 8.0 1.0 8.0 32.3 1.5 1.9 19.0 2.6 20.0 76.0 3.5 0.9 14.9 1.6 10.1 10.5

(0.7) (8.4) (1.4) (0.2) (1.0) (5.8) (3.1) (0.8) (0.3) (2.8) (14.4) (2.4) (2.3) (8.5) (0.5) (9.5) (12.4) (1.0) (0.2) (5.0) (0.8) (2.5) (0.9)

40-60% 17.0 54.4 13.4 2.6 20.5 6.7 26.1 15.6 1.7 10.0 54.0 1.0 2.1 98.2 4.7 29.3 121.1 15.7 1.7 29.6 4.2 11.3 24.7

(1.8) (15.8) (2.9) (0.6) (9.5) (3.9) (6.6) (2.1) (0.6) (3.2) (13.1) (0.5) (1.5) (34.6) (0.7) (13.2) (7.1) (4.7) (0.4) (5.1) (1.9) (2.7) (2.9)

60-80% 36.4 96.9 30.0 7.2 70.9 18.8 54.7 43.1 2.3 12.0 67.3 2.1 5.0 141.8 6.1 37.4 173.2 28.4 4.4 36.8 5.9 12.6 59.9

(2.6) (11.5) (4.3) (1.4) (11.8) (7.8) (7.5) (4.4) (0.7) (4.8) (13.5) (0.9) (2.6) (30.8) (0.7) (13.0) (6.4) (5.6) (1.0) (3.8) (1.2) (2.9) (3.8)

80-90% 71.2 91.8 55.8 8.9 130.6 17.9 61.2 59.2 6.7 19.0 105.0 6.2 11.3 208.9 10.0 72.0 186.6 38.6 6.3 47.9 11.9 18.8 94.5

(4.5) (23.8) (7.0) (1.9) (15.3) (8.6) (7.6) (5.3) (1.9) (7.6) (24.6) (3.5) (3.8) (49.6) (2.1) (19.1) (12.0) (8.5) (2.4) (6.5) (4.5) (12.5) (4.2)

90-100% 98.3 100.0 99.4 36.9 132.7 40.0 88.8 101.0 7.7 69.0 144.4 15.8 13.4 220.6 11.4 91.0 209.8 59.0 13.4 68.6 15.3 34.4 129.6

(5.0) (15.0) (10.2) (5.2) (21.4) (6.7) (9.0) (6.1) (4.3) (6.9) (41.7) (5.5) (3.3) (40.6) (2.2) (18.1) (21.9) (11.8) (3.0) (6.1) (5.9) (12.2) (5.4)

Age of RP 16-34 13.2 147.8 6.9 8.9 21.7 4.7 41.6 59.7 5.7 40.0 30.0 1.8 11.6 161.9 4.7 87.5 135.2 9.8 6.4 42.6 11.6 23.6 19.7

(2.0) (14.2) (1.1) (2.5) (16.8) (10.6) (10.8) (11.4) (3.0) (19.2) (19.1) (2.0) (4.2) (68.7) (1.3) (6.7) (14.2) (2.9) (2.5) (10.0) (3.2) (6.2) (2.7)

35-44 63.1 115.0 30.0 15.1 119.1 8.6 74.1 85.0 2.9 45.0 82.0 7.0 13.5 200.0 9.5 67.6 179.8 29.0 8.3 60.6 15.9 18.6 95.6

(2.9) (6.6) (6.4) (3.0) (8.1) (6.0) (6.0) (4.1) (1.3) (9.7) (11.9) (3.8) (2.3) (23.5) (1.0) (12.8) (9.5) (6.1) (1.7) (3.1) (3.4) (3.2) (3.1)

45-54 39.9 56.0 42.2 4.5 78.4 26.4 37.1 37.9 2.8 16.0 70.6 3.8 2.7 85.4 5.5 13.2 161.7 29.8 1.8 36.5 6.0 9.8 55.8

(1.8) (8.1) (5.8) (1.0) (10.9) (8.6) (3.6) (3.6) (0.9) (3.0) (15.5) (1.6) (1.0) (16.1) (0.6) (4.8) (7.6) (4.8) (0.4) (2.6) (1.1) (2.1) (2.9)

55-64 21.0 14.4 30.4 1.9 14.6 22.1 18.4 16.3 2.0 9.0 46.5 1.8 0.8 43.5 4.3 10.2 100.5 10.4 1.1 19.3 2.9 4.1 30.3

(1.8) (3.1) (4.7) (0.3) (4.1) (6.3) (1.9) (1.3) (0.5) (1.2) (15.8) (0.8) (0.4) (16.6) (0.7) (2.0) (7.7) (2.4) (0.2) (2.8) (0.7) (1.7) (2.1)

65-74 10.0 5.6 11.7 0.9 4.1 13.6 8.2 7.8 1.3 6.2 44.9 0.9 0.9 18.5 1.4 1.5 93.2 6.6 1.0 6.8 1.5 4.2 15.4

(0.8) (1.4) (4.7) (0.3) (0.8) (4.8) (1.7) (0.7) (0.4) (1.6) (25.7) (0.3) (1.6) (4.8) (0.5) (7.7) (7.3) (3.9) (0.2) (1.7) (0.8) (2.9) (1.1)

75+ 5.7 N 8.0 N 4.0 1.8 3.9 3.4 0.7 5.0 N N N N 1.6 N 91.1 3.0 0.5 4.3 N N 10.4

(0.7) (4.3) (1.2) (4.4) (1.6) (0.4) (0.3) (1.2) (0.7) (9.1) (2.9) (0.1) (2.4) (4.1)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Debt instruments include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, nonmortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). The medians are conditional, among households having some debt. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT3, EE4, EE5, ES7, FI5, FI8, FR3, FR6, GR3, HU3, IT2, LT1, LV1, LV3, LV4, LV5, NL1, PL2, PL4, PL5 for information on country-specific issues that may affect the comparability of the figures.


Table E7 Payments for debt - conditional medians EUR, per month


DL2000 Payments for household's total debt (flow) 465.9 731.0 451.7 203.4 731.2 250.0 400.0 614.0 195.0 375.0 775.8 140.0 107.1 1200.0 136.0 423.0 624.5 345.8 137.9 290.0 274.4 194.6 477.0

(8.0) (34.5) (18.3) (8.6) (34.0) (19.3) (8.5) (15.2) (10.1) (19.7) (52.4) (15.0) (7.5) (79.3) (4.4) (18.8) (16.7) (21.8) (7.1) (5.6) (16.1) (6.6) (9.9)

DL2100 Payments for mortgages (flow) 600.0 780.0 696.7 239.2 864.0 300.0 420.2 800.0 260.0 550.0 806.0 220.0 115.2 1400.0 152.3 460.0 636.1 446.0 229.8 289.8 358.6 219.6 542.0 (3.7) (35.5) (24.9) (10.0) (40.1) (16.1) (12.6) (10.6) (29.3) (28.6) (59.6) (16.6) (17.0) (53.7) (5.3) (21.2) (15.2) (32.8) (7.6) (5.0) (27.1) (12.7) (9.8)

DL2110 Payments for HMR mortgages (flow) 574.6 743.6 651.8 230.0 801.8 284.7 400.0 768.0 258.6 540.0 800.0 200.0 115.2 1300.0 152.3 437.0 629.3 434.0 220.6 287.0 358.6 219.2 519.0

(9.0) (34.4) (25.0) (10.8) (29.8) (19.9) (6.8) (13.0) (31.2) (28.7) (48.3) (16.5) (17.6) (55.7) (5.6) (22.1) (15.2) (34.5) (9.2) (4.8) (26.9) (12.4) (10.4)

DL2120 Payments for other property mortgages (flow) 578.2 690.0 593.3 204.0 988.0 450.0 400.0 800.0 N 583.3 592.0 230.0 57.9 1200.0 152.0 520.0 447.0 399.2 220.6 282.0 368.4 N 465.0

(22.5) (70.5) (54.2) (19.4) (66.6) (67.6) (25.2) (29.6) (126.2) (81.2) (44.6) (36.3) (169.6) (15.7) (79.6) (66.0) (55.0) (26.7) (22.3) (79.9) (26.7)

DL2200 Payments for non-mortgage debt (flow) 216.7 291.4 186.7 100.0 285.8 120.0 220.0 266.0 151.2 208.3 267.6 90.2 50.1 450.0 77.2 168.0 210.0 203.4 88.3 172.8 200.0 100.0 207.0

(4.7) (32.5) (11.0) (5.5) (10.0) (20.9) (7.4) (5.7) (11.7) (11.3) (38.1) (16.4) (22.1) (22.1) (5.4) (8.8) (25.7) (9.6) (3.6) (7.1) (9.2) (13.4) (6.8)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Debt instruments include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, nonmortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). See country notes: FR6, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table F1 Financial burden indicators, median ratios Ratio in %


DODARATIO Debt to asset ratio of indebted households 25.5 26.4 26.6 15.3 22.3 24.6 24.4 21.5 4.8 15.9 20.5 19.0 11.3 19.4 15.3 13.5 52.1 17.0 6.1 31.5 7.8 18.9 38.1

(0.6) (2.2) (1.4) (1.7) (1.8) (4.2) (1.3) (0.8) (0.9) (1.4) (1.7) (2.5) (1.7) (2.1) (0.9) (2.3) (1.6) (1.3) (0.7) (1.3) (0.9) (2.4) (1.0)

DODIRATIO Debt to income ratio of indebted households 70.3 90.6 45.1 21.7 61.3 72.9 112.9 64.5 26.6 47.2 208.6 21.2 43.9 95.5 38.3 110.6 243.0 34.0 16.7 131.6 27.6 61.1 77.1 (2.0) (10.7) (3.8) (2.1) (8.2) (12.6) (7.8) (3.6) (3.7) (7.7) (22.7) (3.9) (8.9) (14.4) (2.9) (16.3) (8.0) (2.9) (1.6) (7.1) (4.0) (8.5) (2.3)

DODSTOTAL Debt service to income ratio, all indebted households 11.0 12.8 7.1 6.1 10.9 8.4 14.7 16.3 0.0 9.0 19.5 9.4 2.8 13.1 7.7 11.0 11.5 3.2 8.9 13.0 8.0 9.9 10.0

(0.2) (0.5) (0.4) (0.4) (0.6) (1.1) (0.4) (0.3) (0.7) (0.4) (1.5) (0.5) (1.3) (0.8) (0.3) (0.5) (0.4) (0.5) (0.3) (0.4) (0.5) (0.7) (0.2)

DODSTOTALp Debt service to income ratio, households with debt payments 13.0 14.2 9.7 8.5 12.3 12.3 15.2 17.2 16.7 12.0 25.8 9.8 8.8 15.5 10.4 13.1 13.5 7.6 11.1 13.8 12.3 11.4 10.6

(0.2) (0.6) (0.3) (0.3) (0.5) (1.2) (0.4) (0.3) (1.6) (0.7) (1.4) (0.5) (1.3) (0.9) (0.3) (0.7) (0.4) (0.4) (0.3) (0.4) (0.7) (0.7) (0.2)

DODSMORTG Mortgage debt service to income ratio of households with mortgage debt 14.6 14.8 12.2 8.6 12.9 14.1 14.7 19.7 19.9 14.1 26.1 11.8 8.5 17.8 11.1 14.5 13.6 8.4 13.2 13.5 16.7 13.3 10.5

(0.2) (0.7) (0.5) (0.3) (0.6) (1.3) (0.4) (0.3) (2.4) (0.5) (1.6) (1.0) (1.4) (0.8) (0.4) (1.0) (0.4) (0.6) (0.4) (0.3) (1.3) (0.9) (0.1)

DOLTVRATIO Loan to value ratio of main residence 44.6 37.1 35.7 39.9 45.3 56.6 46.9 46.2 21.9 40.0 39.7 43.7 47.1 39.0 29.2 42.1 68.4 24.0 32.4 46.8 31.0 41.5 47.2

(0.7) (2.4) (2.1) (2.7) (1.7) (8.8) (2.3) (1.0) (3.1) (2.2) (4.2) (5.2) (3.1) (2.5) (1.1) (2.2) (1.8) (1.9) (1.8) (1.8) (3.3) (3.2) (0.8)

DNNLAratio Net liquid assets as a fraction of annual gross income 17.1 26.7 16.8 7.9 6.1 3.3 14.8 16.9 < 0.1 20.5 1.7 0.5 6.1 23.8 2.5 64.6 33.9 30.9 11.7 14.2 3.8 8.3 10.1

(0.4) (2.4) (1.2) (0.8) (0.6) (0.4) (1.2) (0.8) (0.1) (0.8) (0.9) (0.2) (0.8) (2.3) (0.2) (4.1) (1.4) (1.2) (0.7) (1.2) (0.4) (0.9) (0.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the median of selected debt related ratios at the household level. The debt to asset ratio is calculated as the ratio between total debt and total gross assets for indebted households. Debt includes mortgages collateralised on household's main residence and mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bill ing period) - unless otherwise specified for a given country (see country notes below for more detail). Total assets include the value of the household main residence for homeowners, other real estate property, vehicles, valuables (such as jewellery, works of art, antiques, etc.), value of self-employment businesses and value of household's financial assets. The debt to income ratio is the ratio of total debt to gross household income. Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by year (see detailed tables below). The debt service to income ratio is calculated as the ratio between total monthly debt payments and household gross monthly income calculated in two variants: for all indebted households (households having only credit l ine/bank overdraft or credit card debt, for which no regular payments are collected in the survey, are included) and for households with regular debt payments (households having only credit l ine/bank overdraft or credit card debt, for which no regular payments are collected in the survey, are excluded). The mortgage debt service to income ratio is the ratio of the monthly mortgage debt payments to gross household income (1/12 of the annual total), calculated for households with mortgage debt. The loan to value ratio of the main residence is the ratio of the household's mortgages collateralised on household's main residence to the current reported value of the household's main residence, calculated for households having mortgage debt collateralised on their main residence. Net l iquid assets are calculated as the sum of value of deposits, mutual funds, bonds, non-self-employment business wealth, (publicly traded) shares and managed accounts, net of credit l ine/overdraft debt, credit card debt and non-mortgage loans. See country notes: AT1, AT2, AT3, BE1, BE2, DE1, DE2, EE1, EE2, EE3, EE4, EE5, EE6, EE7, ES1, ES7, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR2, FR3, FR4, FR5, FR6, GR1, GR2, GR3, HR1, HU1, HU3, HU4, IT1, IT2, IT3, IT4, LT1, LT2, LV1, LV2, LV3, LV4, LV6, NL1, PL1, PL2, PL4, PL5, PL6, PT1, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table F2 Financial burden indicators - 90th percentile ratios Ratio in %


DODARATIO Debt to asset ratio of indebted households 111.9 82.8 253.7 93.8 82.8 136.9 106.6 80.6 81.9 82.9 96.9 203.7 78.4 74.9 94.5 60.8 132.6 130.3 72.4 88.6 85.8 80.5 250.9

(4.4) (5.9) (52.5) (10.0) (3.6) (882.6) (6.1) (1.8) (27.1) (6.5) (15.6) (103.6) (12.2) (3.7) (8.3) (2.9) (10.0) (17.2) (4.0) (2.7) (16.2) (4.6) (26.4)

DODIRATIO Debt to income ratio of indebted households 393.1 360.8 261.9 196.5 350.5 675.9 462.4 380.6 427.5 368.0 1034.8 202.7 818.2 558.9 231.6 405.2 685.0 257.5 227.6 508.8 297.5 314.7 292.0 (6.9) (25.6) (15.9) (15.2) (18.0) (204.0) (16.8) (8.6) (555.2) (28.3) (142.3) (33.7) (3980.2) (36.4) (18.2) (56.9) (42.3) (17.9) (13.5) (15.2) (88.4) (24.7) (4.5)

DODSTOTAL Debt service to income ratio, all indebted households 31.6 28.5 22.9 19.9 28.4 35.9 36.8 36.4 34.6 30.5 78.7 31.0 26.9 34.3 33.2 27.1 33.8 19.3 28.4 33.7 36.5 25.2 24.2

(0.6) (1.5) (1.4) (1.2) (1.1) (4.7) (1.2) (0.8) (3.8) (2.6) (13.0) (8.3) (6.9) (1.6) (3.2) (7.2) (3.0) (0.8) (1.2) (1.3) (9.6) (1.7) (0.5)

DODSTOTALp Debt service to income ratio, households with debt payments

33.9 30.1 25.7 22.5 29.9 40.7 37.5 37.2 91.0 34.4 98.5 31.5 68.3 36.0 40.4 33.9 39.6 21.5 31.0 34.7 60.6 27.2 24.6

(0.6) (1.7) (1.3) (1.6) (1.3) (9.5) (1.2) (0.9) (286.8) (1.9) (17.2) (10.9) (700.8) (2.2) (3.2) (12.8) (3.9) (1.2) (1.3) (1.4) (49.6) (1.6) (0.5)

DODSMORTG Mortgage debt service to income ratio of households with mortgage debt

32.7 29.0 27.5 21.7 31.9 40.8 32.0 35.8 N 37.8 108.1 86.2 66.5 37.5 43.0 N 36.9 21.7 35.2 32.0 N 27.9 20.8

(0.7) (1.7) (2.5) (1.9) (2.3) (28.5) (1.4) (0.9) (3.6) (19.2) (36.8) (735.8) (3.7) (4.3) (4.0) (1.4) (3.1) (1.2) (1.8) (0.5)

DOLTVRATIO Loan to value ratio of main residence 96.5 80.7 84.0 85.2 88.5 140.2 109.8 90.9 N 81.8 111.4 N N 80.0 85.7 N 130.1 67.9 82.9 91.2 N 89.4 91.0

(1.1) (2.6) (4.0) (2.3) (2.9) (10.8) (6.1) (1.0) (4.0) (8.3) (2.8) (4.6) (6.3) (3.5) (3.0) (1.9) (3.4) (0.8)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table reports the 90th percentiles of selected debt related ratios at the household level. See the footnote of the previous table for the definitions. See country notes: AT1, AT2, AT3, BE1, BE2, DE1, DE2, EE1, EE2, EE3, EE4, EE5, EE6, EE7, ES1, ES2, ES7, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR2, FR3, FR4, FR5, FR6, GR1, GR2, GR3, HR1, HU1, HU3, HU4, IT1, IT2, IT3, IT4, LT1, LT2, LV1, LV2, LV3, LV4, LV6, NL1, PL1, PL2, PL4, PL5, PL6, PT1, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table F3 Has negative net wealth - breakdowns % of households



(0.2) (0.6) (0.5) (0.6) (0.4) (0.6) (0.5) (0.2) (0.7) (0.2) (1.0) (0.9) (0.5) (0.4) (0.3) (0.1) (0.7) (0.4) (0.3) (0.4) (0.4) (0.5) (0.4)

Income Bottom 20% 6.8 6.2 13.0 5.7 3.9 6.0 7.7 2.5 2.9 3.3 9.1 2.9 1.1 4.6 3.1 0.3 8.8 8.0 4.1 3.6 2.5 3.3 16.1 (0.5) (1.8) (1.7) (1.9) (1.0) (2.1) (1.2) (0.5) (1.6) (0.7) (3.1) (1.8) (0.8) (1.5) (0.6) (0.2) (1.7) (1.1) (0.7) (0.9) (0.9) (0.9) (1.2)

20-40% 5.1 6.9 9.8 3.9 3.9 2.4 8.8 3.8 3.1 2.5 3.3 8.2 2.2 2.4 2.8 0.2 9.2 4.5 3.5 4.8 1.9 3.6 12.9

(0.4) (1.9) (1.5) (1.2) (0.8) (0.8) (1.3) (0.6) (1.4) (0.8) (1.6) (2.4) (1.6) (1.1) (0.7) (0.3) (1.8) (0.9) (0.7) (1.0) (0.8) (1.2) (1.1)

40-60% 5.3 2.1 7.2 7.1 4.7 2.4 6.2 2.9 4.1 1.3 8.3 7.1 2.2 1.2 3.5 0.8 9.7 2.6 2.1 3.2 3.8 2.4 10.8

(0.5) (1.2) (1.4) (1.6) (1.0) (0.7) (1.2) (0.5) (1.8) (0.4) (2.5) (2.7) (1.2) (0.8) (0.7) (0.5) (2.0) (0.8) (0.6) (0.8) (1.0) (1.3) (1.0)

60-80% 3.9 2.0 5.5 4.2 3.2 2.2 5.2 2.3 5.5 0.6 4.3 5.6 1.5 1.3 3.6 0.3 10.8 3.0 2.4 3.5 3.5 0.8 5.3

(0.4) (0.9) (1.1) (1.2) (1.1) (1.0) (1.2) (0.4) (1.9) (0.3) (1.8) (1.9) (0.9) (0.7) (1.0) (0.3) (1.8) (0.8) (0.7) (0.9) (1.0) (0.5) (0.6)

80-90% 3.2 0.6 2.2 2.5 0.9 3.7 1.6 1.5 1.5 0.6 1.3 2.4 2.5 0.1 2.2 0.0 10.8 1.3 1.7 0.8 1.7 1.6 2.2

(0.5) (1.0) (1.0) (1.1) (0.6) (1.7) (1.2) (0.4) (1.8) (0.4) (1.1) (1.6) (1.4) (0.2) (0.9) (0.1) (3.2) (0.9) (0.8) (0.6) (1.0) (1.7) (0.5)

90-100% 1.5 0.6 1.1 0.3 1.0 1.7 0.6 0.4 2.3 0.1 3.3 3.9 0.6 0.6 1.6 0.0 6.1 1.5 0.1 0.2 3.2 1.8 1.4

(0.3) (0.5) (0.6) (0.2) (0.5) (1.5) (0.9) (0.1) (1.7) (0.1) (1.7) (1.4) (0.6) (0.4) (0.9) (0.1) (2.3) (0.9) (0.2) (0.2) (1.4) (1.8) (0.3)

Household size 1 5.4 4.5 9.2 6.3 3.6 2.5 3.8 2.9 2.1 1.3 6.9 2.4 2.7 2.2 2.2 0.2 8.8 5.5 3.3 3.6 1.9 2.7 12.0

(0.4) (1.2) (1.0) (1.2) (1.2) (0.8) (0.8) (0.4) (1.2) (0.4) (2.2) (0.9) (1.0) (0.9) (0.4) (0.2) (1.1) (0.7) (0.5) (0.9) (0.6) (0.9) (0.7)

2 3.2 2.1 4.0 3.7 2.1 2.0 4.8 1.4 1.8 1.7 3.3 6.1 0.4 1.5 2.4 0.6 7.7 1.9 3.6 2.8 1.1 1.9 8.0

(0.3) (1.0) (0.8) (0.9) (0.5) (0.6) (0.7) (0.2) (1.1) (0.4) (1.6) (1.8) (0.4) (0.7) (0.4) (0.4) (1.1) (0.4) (0.7) (0.6) (0.4) (0.6) (0.6)

3 5.7 4.1 11.0 2.2 4.0 4.5 7.2 2.5 6.1 1.6 8.9 11.4 1.1 2.4 3.8 0.3 13.1 4.5 2.2 1.6 3.6 2.9 8.7

(0.5) (1.5) (1.8) (1.0) (1.1) (1.8) (1.3) (0.6) (1.9) (0.5) (3.1) (3.4) (0.6) (1.2) (0.8) (0.3) (2.7) (1.1) (0.7) (0.5) (0.9) (1.2) (1.1)

4 4.7 2.1 7.2 4.1 3.5 4.5 6.9 3.1 5.6 1.7 2.8 5.1 3.0 1.7 4.2 0.2 11.5 3.2 1.4 4.7 4.4 2.8 5.4

(0.5) (1.1) (1.9) (1.3) (0.8) (1.5) (1.3) (0.6) (2.2) (0.6) (1.1) (2.3) (1.6) (0.9) (1.0) (0.2) (2.5) (1.1) (0.4) (1.2) (1.0) (1.3) (0.9)

5+ 6.4 7.0 8.1 2.9 4.8 2.7 11.7 4.9 2.9 3.1 7.3 4.3 1.3 2.0 4.7 0.0 11.8 5.5 1.5 4.7 6.3 1.5 5.3

(0.7) (2.6) (2.9) (1.4) (1.7) (1.6) (2.2) (1.0) (1.7) (1.4) (2.8) (2.3) (1.4) (1.3) (1.4) (0.1) (3.6) (2.2) (0.6) (2.2) (1.9) (1.0) (1.2)

Housing status Owners - outright 0.1 0.0 0.2 0.2 0.1 0.1 0.4 < 0.1 0.1 0.0 0.5 0.3 0.2 0.0 0.1 0.0 0.2 0.1 0.0 < 0.1 0.1 0.0 0.2

(0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.4) (0.2) (0.2) (0.1) (0.1) (0.1) (0.4) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1)

Owners - with mortgage 4.6 0.8 2.8 2.2 2.9 16.3 8.7 1.9 2.3 0.6 6.2 3.9 4.7 1.2 5.4 0.0 12.1 1.6 1.7 2.4 3.3 2.6 2.9

(0.4) (0.6) (1.1) (1.1) (0.9) (3.7) (1.3) (0.3) (1.9) (0.4) (1.6) (1.8) (1.8) (0.7) (1.0) (0.1) (1.1) (0.8) (0.7) (0.6) (1.9) (1.5) (0.3)

Renters / other 9.3 10.7 12.3 16.1 8.3 5.5 13.1 4.9 21.7 5.0 10.7 17.5 15.8 5.3 13.2 1.7 8.5 6.7 11.5 9.1 10.4 16.6 24.9

(0.4) (1.8) (0.9) (2.1) (1.1) (1.5) (1.2) (0.5) (3.9) (0.7) (2.5) (2.8) (5.3) (1.2) (1.4) (0.7) (1.1) (0.7) (1.2) (1.2) (1.3) (3.0) (1.1)

Age of RP 16-34 10.6 8.2 16.6 11.9 6.3 2.4 11.2 4.6 7.4 0.6 12.3 12.3 4.7 3.8 7.2 0.8 12.6 7.3 3.8 8.0 8.1 4.9 25.6

(0.7) (3.0) (1.8) (2.4) (1.5) (1.2) (2.3) (0.8) (2.9) (0.3) (4.2) (4.1) (1.8) (1.5) (1.3) (0.6) (2.5) (1.3) (0.9) (2.4) (2.2) (1.8) (1.3)

35-44 6.5 3.2 7.9 5.6 6.0 4.5 10.4 4.0 6.6 2.8 6.4 8.1 1.7 3.2 3.6 0.0 15.4 5.2 2.2 4.9 5.9 3.6 9.5

(0.5) (1.3) (1.5) (1.3) (1.0) (1.6) (1.5) (0.5) (2.3) (0.9) (2.0) (2.4) (0.6) (1.3) (0.8) (0.1) (2.3) (0.9) (0.6) (1.1) (1.4) (1.4) (1.0)

45-54 5.0 3.8 6.9 2.5 3.9 5.2 7.0 3.0 3.5 2.2 4.6 3.6 0.7 0.6 2.8 0.3 11.0 5.4 2.4 2.5 2.0 2.5 7.0

(0.4) (1.0) (1.2) (1.0) (1.1) (2.0) (1.0) (0.6) (1.3) (0.6) (1.6) (1.9) (0.4) (0.6) (0.6) (0.3) (1.8) (0.9) (0.7) (0.7) (0.7) (1.0) (0.9)

55-64 3.7 3.4 6.2 2.6 1.3 4.5 3.7 1.7 3.2 1.6 1.8 5.3 2.2 2.0 1.6 0.2 8.8 3.5 2.6 1.5 1.6 1.4 4.0

(0.4) (1.3) (1.3) (1.0) (0.5) (1.4) (0.6) (0.4) (1.4) (0.5) (1.4) (1.7) (1.7) (0.8) (0.4) (0.2) (1.4) (0.9) (0.5) (0.5) (0.6) (0.6) (0.6)



65-74 2.3 3.5 3.9 2.9 1.0 1.4 2.1 0.9 0.5 1.8 2.8 3.8 1.1 1.1 2.1 0.4 3.5 1.0 2.8 2.6 0.7 0.6 2.7

(0.3) (1.2) (1.0) (1.2) (0.4) (0.6) (0.6) (0.2) (0.5) (0.6) (1.5) (1.8) (1.1) (1.1) (0.6) (0.3) (0.8) (0.5) (0.6) (0.8) (0.5) (0.4) (0.6)

75+ 0.5 0.1 0.5 0.0 0.1 0.2 1.0 0.5 0.9 0.3 5.1 0.0 0.1 0.7 0.8 0.4 1.3 0.4 1.8 0.9 0.7 0.6 0.8

(0.1) (0.1) (0.4) (0.1) (0.2) (0.1) (0.5) (0.2) (1.2) (0.1) (3.5) (0.1) (0.1) (0.6) (0.3) (0.5) (0.7) (0.2) (0.6) (0.5) (0.5) (0.6) (0.4)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table presents percentages of households with negative net wealth. Net wealth is the difference between total household assets and total household liabilities. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabil ities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bil ling period) - unless otherwise specified for a given country (see country notes below for more detail). Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, ES7, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV1, LV2, LV3, LV5, LV6, NL1, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table F4 Median debt to income ratio - breakdowns Ratio in %



(2.0) (10.7) (3.8) (2.1) (8.2) (12.6) (7.8) (3.6) (3.7) (7.7) (22.7) (3.9) (8.9) (14.4) (2.9) (16.3) (8.0) (2.9) (1.6) (7.1) (4.0) (8.5) (2.3)

Income Bottom 20% 70.3 24.1 30.6 39.5 24.1 474.3 131.8 30.4 N 65.6 337.1 N N 45.8 110.5 N 654.4 14.0 15.0 155.3 664.7 43.1 61.6 (5.8) (11.6) (11.8) (18.9) (5.1) (368.8) (25.6) (5.9) (21.5) (132.2) (26.8) (34.0) (169.1) (3.3) (3.2) (98.2) (535.8) (19.8) (5.8)

20-40% 46.1 43.9 22.7 8.3 20.7 88.0 101.5 35.1 21.8 47.5 238.9 N N 35.2 40.0 157.3 253.8 12.8 10.4 139.8 16.6 85.2 39.4

(3.9) (29.2) (4.8) (2.5) (3.2) (41.2) (16.9) (3.4) (7.1) (15.6) (88.8) (17.4) (7.9) (57.0) (41.1) (2.9) (1.6) (48.5) (9.6) (23.3) (4.5)

40-60% 54.0 118.6 32.2 16.8 45.7 37.6 101.1 49.4 19.8 42.2 201.9 10.6 30.1 133.4 41.1 116.6 266.9 38.0 12.8 165.5 24.6 73.5 57.3

(4.5) (35.7) (7.0) (3.7) (18.3) (20.9) (26.1) (6.1) (7.1) (14.3) (52.8) (4.3) (21.9) (46.4) (7.5) (53.6) (19.7) (10.1) (2.6) (28.6) (10.8) (15.5) (6.3)

60-80% 77.3 144.1 53.3 26.0 90.6 69.5 149.3 90.2 14.7 31.7 193.7 13.8 36.7 133.3 33.4 96.1 260.7 47.2 22.1 143.0 21.2 51.8 96.7

(5.0) (13.9) (7.6) (4.6) (16.0) (29.1) (22.1) (9.7) (4.0) (11.6) (30.1) (5.4) (18.2) (27.6) (4.4) (32.3) (13.4) (9.2) (5.1) (13.1) (4.3) (13.0) (6.1)

80-90% 98.8 99.0 62.4 21.7 121.0 44.0 116.4 93.8 31.6 31.6 183.9 27.9 54.1 140.2 39.6 138.6 213.7 49.1 24.7 113.7 29.2 59.4 110.5

(6.4) (25.8) (9.1) (4.5) (14.6) (22.8) (13.3) (9.0) (8.5) (14.6) (39.7) (14.1) (20.0) (31.0) (7.1) (32.7) (14.8) (9.2) (9.5) (15.4) (11.2) (38.5) (5.1)

90-100% 78.7 71.6 66.5 52.2 79.5 68.9 86.6 96.2 17.9 64.3 174.4 37.0 38.7 88.0 27.2 110.6 152.4 49.6 31.4 96.1 19.8 57.7 95.9

(3.9) (10.0) (9.1) (7.1) (13.1) (14.9) (12.2) (6.3) (9.1) (9.0) (42.8) (9.1) (10.7) (16.8) (5.4) (32.5) (12.7) (9.0) (11.0) (7.2) (7.5) (19.7) (3.8)


(1.5) (3.1) (2.8) (2.5) (4.6) (85.2) (28.4) (1.8) (8.9) (4.7) (75.2) (5.6) (44.3) (3.5) (5.8) (59.8) (34.6) (2.1) (1.6) (14.2) (8.1) (29.6) (2.4)

20-40% 37.5 244.6 13.0 18.0 111.3 95.7 175.0 46.7 36.6 107.6 213.3 12.4 91.4 289.8 41.5 209.7 267.5 4.8 17.4 242.7 33.1 66.6 115.9

(4.2) (24.7) (2.5) (4.3) (19.3) (35.9) (13.8) (23.0) (12.6) (33.6) (51.8) (4.1) (46.6) (39.3) (7.1) (24.5) (40.7) (1.1) (4.5) (20.5) (10.9) (17.4) (10.1)

40-60% 142.7 113.0 51.4 38.2 104.1 50.2 136.9 165.0 26.6 78.2 160.8 27.1 20.2 195.6 47.0 79.7 302.0 80.2 14.6 164.4 23.6 56.9 120.9

(5.4) (20.8) (11.0) (9.1) (12.5) (27.1) (16.2) (7.7) (7.2) (11.4) (43.0) (13.5) (11.9) (31.0) (7.0) (31.3) (11.6) (19.5) (3.2) (19.3) (10.5) (14.8) (5.9)

60-80% 84.6 70.3 81.0 23.0 70.2 53.4 90.2 59.7 18.3 28.7 193.4 17.8 32.2 70.1 38.6 48.8 226.7 71.6 16.1 95.3 19.3 40.6 86.9

(3.5) (10.4) (7.4) (5.1) (14.5) (14.7) (8.9) (5.3) (7.2) (9.9) (68.7) (9.6) (15.2) (21.4) (5.9) (20.8) (9.8) (16.2) (4.8) (9.8) (6.9) (17.3) (4.8)

80-90% 74.0 46.7 82.0 35.9 34.2 78.6 72.9 64.7 30.6 31.5 220.1 59.7 30.6 52.0 36.7 110.6 179.6 53.2 24.0 123.7 36.4 52.4 71.1

(4.0) (14.9) (7.7) (8.9) (11.3) (33.8) (12.6) (5.4) (18.2) (12.9) (50.9) (26.4) (58.1) (17.9) (6.3) (47.6) (24.1) (8.2) (9.8) (12.2) (12.6) (30.5) (5.2)

90-100% 82.0 70.8 101.3 27.1 91.8 63.4 78.2 80.5 40.7 27.5 235.3 48.6 52.0 90.2 34.0 57.9 184.0 45.4 28.8 104.1 28.1 63.4 75.4

(4.8) (27.1) (15.2) (9.4) (26.8) (29.6) (13.1) (7.5) (24.0) (11.8) (57.7) (19.5) (22.7) (23.8) (6.3) (34.4) (23.0) (11.3) (8.0) (9.9) (14.6) (31.1) (5.8)

Household size 1 58.8 81.9 48.0 17.3 34.8 67.0 92.7 44.4 42.3 76.9 164.1 14.2 42.0 81.4 48.8 N 260.2 17.9 13.9 109.1 32.3 72.1 60.6

(3.7) (30.0) (6.6) (4.5) (11.3) (47.7) (21.5) (5.0) (27.1) (22.4) (77.0) (6.6) (23.3) (37.1) (9.5) (19.5) (2.8) (2.6) (22.7) (13.1) (29.8) (4.7)

2 50.0 64.9 32.1 17.9 35.2 51.3 81.5 34.6 25.9 33.2 183.0 26.0 38.7 53.8 38.1 156.1 216.6 23.7 15.9 92.8 17.7 65.4 58.1

(2.7) (14.8) (5.8) (3.6) (8.1) (15.0) (9.1) (2.7) (9.1) (8.8) (66.9) (7.1) (7.5) (14.5) (5.7) (41.9) (12.6) (5.0) (2.7) (11.6) (4.0) (18.2) (2.5)

3 79.8 101.2 49.4 26.4 77.6 88.8 125.3 81.9 22.0 31.3 236.8 9.4 74.7 126.4 32.3 110.6 268.6 27.4 19.4 159.4 24.8 79.0 97.0

(4.1) (23.8) (7.7) (5.8) (18.6) (21.8) (13.9) (10.5) (5.4) (9.0) (36.9) (2.9) (22.2) (34.7) (5.7) (22.3) (23.6) (6.0) (4.0) (16.6) (8.6) (16.8) (7.4)

4 109.0 98.8 57.2 37.5 116.7 145.4 147.6 144.6 32.5 53.1 251.8 33.7 51.5 121.6 43.5 37.6 238.4 62.5 25.5 162.2 19.8 55.3 133.8

(7.2) (17.7) (12.7) (8.2) (13.7) (39.6) (15.1) (9.3) (7.7) (12.8) (29.0) (12.9) (37.4) (26.3) (5.4) (7.5) (17.0) (12.0) (5.6) (15.3) (3.4) (12.1) (6.6)

5+ 89.4 133.7 60.1 17.1 75.2 45.8 103.9 102.4 21.2 42.0 157.6 59.3 141.2 148.2 33.8 124.1 268.6 79.7 11.7 95.2 53.1 42.8 132.8 (7.7) (26.0) (19.1) (4.9) (21.0) (20.7) (21.1) (16.8) (8.1) (22.4) (35.2) (22.6) (48.4) (47.3) (5.2) (19.7) (31.3) (23.8) (3.0) (14.7) (13.7) (16.8) (7.9)

Housing status Owners - outright 24.1 14.1 34.0 5.7 14.6 35.1 30.2 25.3 17.1 17.8 68.1 10.0 15.8 21.9 9.5 20.7 N 10.2 5.4 25.2 11.2 15.6 28.3

(1.0) (2.3) (8.1) (0.9) (1.1) (10.0) (2.5) (1.2) (2.8) (2.2) (12.3) (1.5) (3.8) (3.1) (1.3) (3.6) (4.8) (0.6) (4.4) (0.9) (3.5) (2.5)




Renters / other 18.0 14.5 17.1 10.5 9.5 13.6 29.7 17.2 16.0 23.3 68.1 13.9 19.2 17.3 10.1 23.0 15.4 8.2 8.9 26.7 25.1 17.3 25.6

(0.9) (2.1) (1.6) (2.2) (1.1) (4.2) (5.0) (1.2) (7.9) (2.6) (17.8) (4.0) (7.8) (2.6) (2.2) (12.5) (2.9) (0.9) (1.0) (4.1) (4.3) (4.2) (1.3)

Age of RP 16-34 56.6 223.6 24.6 46.2 39.6 N 159.9 170.9 56.1 80.7 193.7 16.7 93.2 188.4 34.4 243.7 257.7 27.6 48.7 200.1 50.2 109.3 79.5

(5.1) (42.3) (2.8) (10.8) (21.9) (27.3) (21.2) (31.7) (40.6) (82.1) (5.9) (34.1) (101.8) (7.6) (26.0) (20.9) (7.1) (12.9) (43.9) (13.4) (38.3) (6.4)

35-44 144.6 183.7 51.2 50.2 145.5 53.3 218.8 173.2 26.7 98.6 245.3 37.0 71.1 229.6 52.1 156.1 315.7 48.1 41.2 250.5 61.7 92.5 139.5

(5.4) (13.6) (10.3) (7.1) (12.1) (26.9) (9.7) (8.1) (7.5) (21.8) (30.4) (19.6) (29.5) (25.9) (6.6) (26.8) (11.8) (9.2) (8.4) (16.4) (12.2) (18.4) (5.7)

45-54 78.9 71.6 57.9 15.3 98.1 91.9 116.4 74.8 27.4 49.9 248.0 16.8 26.3 88.1 38.3 43.9 240.7 43.6 11.7 126.0 24.3 49.4 76.1

(3.5) (8.3) (7.6) (2.6) (13.1) (23.9) (10.1) (6.6) (9.2) (10.1) (48.3) (9.1) (11.2) (17.8) (4.3) (11.0) (17.0) (5.2) (1.7) (10.7) (6.1) (7.8) (4.5)

55-64 53.9 22.1 63.7 9.0 25.0 109.3 55.9 37.3 22.8 26.5 142.9 10.6 17.0 54.5 29.4 23.0 181.3 21.2 9.9 73.6 15.1 21.2 54.2

(3.4) (6.5) (8.0) (2.2) (3.6) (22.6) (6.8) (3.5) (6.6) (4.0) (19.4) (5.3) (5.6) (18.8) (5.5) (6.8) (18.1) (5.8) (1.6) (8.4) (4.0) (9.3) (2.4)

65-74 30.5 18.5 28.3 5.5 13.4 60.1 31.3 22.3 20.0 20.3 252.5 9.3 N 19.2 19.0 N 209.7 19.6 10.1 33.9 12.6 35.4 44.6

(2.0) (3.0) (6.9) (2.6) (2.1) (21.8) (5.9) (2.1) (10.6) (3.9) (94.7) (3.6) (6.1) (7.7) (11.6) (9.0) (1.6) (7.0) (3.0) (13.0) (4.5)

75+ 22.1 N 30.8 N 13.3 N 18.1 10.0 N 16.2 N N N N 27.5 N 217.1 11.3 6.0 31.9 N N 30.3

(3.5) (8.8) (2.5) (7.3) (1.6) (4.0) (10.3) (33.4) (6.3) (1.7) (18.1) (10.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The debt to income ratio is the ratio of total debt to gross household income. Total debt includes mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by country (see tables). Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See country notes: AT1, AT2, AT3, BE1, DE1, DE2, EE4, EE5, EE6, EE7, ES1, ES2, ES7, FI5, FI8, FR2, FR3, FR4, FR5, FR6, GR1, GR3, HR1, HU1, HU3, IT1, IT2, IT3, IT4, LT1, LT2, LV1, LV3, LV4, LV5, NL1, PL1, PL2, PL4, PL5, PL6, PT1 for information on country-specific issues that may affect the comparability of the figures.


Table F5 Median debt service to income ratio, among households with debt payments - breakdowns Ratio in %



(0.2) (0.6) (0.3) (0.3) (0.5) (1.2) (0.4) (0.3) (1.6) (0.7) (1.4) (0.5) (1.3) (0.9) (0.3) (0.7) (0.4) (0.4) (0.3) (0.4) (0.7) (0.7) (0.2)

Income Bottom 20% 21.2 22.3 6.4 N 17.2 30.9 25.6 20.5 N 36.3 N N N 26.5 38.0 N 80.1 13.1 17.7 36.7 N 19.9 3.7 (1.3) (4.7) (2.2) (4.4) (26.1) (2.4) (2.8) (7.4) (7.1) (7.2) (26.6) (2.6) (2.2) (6.4) (4.3) (0.9)

20-40% 15.4 18.9 8.7 14.6 12.2 23.8 21.0 16.3 33.5 21.0 32.2 N N 17.1 20.2 N 17.3 8.7 12.8 24.3 18.3 17.6 7.8

(0.5) (2.0) (1.8) (3.5) (1.1) (4.8) (1.3) (1.2) (7.4) (2.5) (9.4) (4.3) (2.7) (2.1) (1.4) (0.9) (1.9) (2.9) (1.8) (0.9)

40-60% 13.7 16.3 11.7 10.8 14.6 12.1 15.8 16.9 19.6 13.9 30.3 9.9 13.7 18.0 12.3 16.5 14.8 8.8 10.9 17.7 17.5 13.4 10.2

(0.4) (1.0) (1.0) (1.2) (1.5) (2.2) (0.9) (0.8) (2.7) (2.2) (5.2) (3.6) (5.5) (2.3) (0.9) (1.9) (0.8) (1.6) (0.7) (1.1) (1.6) (1.4) (0.5)

60-80% 13.2 15.4 10.6 8.9 12.5 11.7 15.7 17.8 15.5 11.3 24.5 8.7 10.5 16.4 9.5 11.1 12.7 7.2 11.0 12.8 10.9 9.8 12.0

(0.3) (1.0) (0.9) (0.5) (0.7) (1.9) (1.0) (0.6) (2.5) (1.3) (1.7) (2.5) (2.4) (0.9) (0.6) (1.6) (0.6) (0.9) (0.8) (0.6) (0.9) (1.1) (0.4)

80-90% 12.2 12.0 9.9 6.7 11.5 9.1 12.8 17.5 11.4 9.6 22.1 8.4 6.9 14.2 7.5 12.0 10.5 8.0 9.3 10.5 8.5 7.9 12.1

(0.4) (1.3) (0.7) (0.5) (0.9) (4.2) (0.9) (0.5) (2.3) (1.3) (2.8) (2.2) (1.4) (1.1) (0.9) (1.4) (0.9) (1.1) (0.9) (0.8) (1.1) (1.8) (0.3)

90-100% 9.7 11.0 9.0 6.4 10.0 8.8 9.9 16.2 9.1 9.0 19.2 8.7 4.0 10.9 5.9 11.3 7.5 4.7 8.8 7.2 8.4 7.8 11.2

(0.3) (1.1) (0.5) (0.5) (0.9) (1.4) (0.7) (0.5) (0.8) (0.7) (2.8) (1.3) (1.4) (1.1) (0.6) (2.1) (0.9) (1.0) (0.7) (0.6) (0.6) (1.4) (0.3)


(0.7) (3.7) (0.8) (1.5) (1.1) (2.9) (1.4) (0.7) (5.5) (1.4) (8.2) (4.7) (2.8) (1.5) (1.0) (2.2) (1.6) (1.0) (0.8) (1.8) (1.7) (1.2) (0.4)

20-40% 12.6 17.7 6.6 9.5 14.0 13.9 16.8 16.2 17.7 14.6 27.6 8.7 10.1 21.4 10.5 15.9 17.7 5.8 11.0 17.1 11.8 13.0 10.6

(0.6) (1.3) (1.0) (1.0) (0.9) (3.9) (0.9) (1.3) (2.6) (1.4) (5.7) (2.3) (6.2) (1.9) (0.8) (1.5) (1.6) (0.9) (0.7) (0.9) (2.1) (1.2) (0.5)

40-60% 15.4 15.3 10.3 8.9 14.4 10.6 15.6 21.1 18.3 12.7 21.8 11.8 N 18.8 11.2 11.7 15.6 9.5 10.2 15.8 11.8 10.5 13.0

(0.4) (1.0) (0.8) (0.6) (0.9) (2.4) (1.0) (0.5) (4.0) (1.6) (2.6) (3.0) (2.3) (0.7) (2.6) (0.9) (1.0) (0.8) (1.2) (1.4) (2.4) (0.4)

60-80% 13.1 12.0 11.1 8.2 12.2 10.0 14.6 17.1 15.2 9.8 26.1 9.2 7.0 15.4 10.2 12.6 11.8 8.7 12.1 11.1 11.6 8.9 12.2

(0.3) (1.0) (0.8) (0.7) (0.9) (2.6) (0.7) (0.6) (5.1) (1.3) (2.4) (2.2) (1.7) (1.7) (0.9) (2.6) (0.6) (1.0) (1.0) (0.6) (1.4) (1.8) (0.4)

80-90% 12.0 10.0 11.8 7.7 10.9 14.0 11.9 16.7 11.3 10.3 18.2 10.9 N 12.1 9.4 N 8.6 7.6 11.8 11.6 11.3 8.3 11.7

(0.5) (1.1) (1.5) (0.7) (1.7) (2.9) (1.0) (0.7) (3.5) (1.1) (5.0) (2.8) (1.7) (1.0) (1.7) (1.4) (1.3) (0.8) (1.5) (2.0) (0.5)

90-100% 12.6 12.8 12.7 8.4 10.2 14.6 12.4 16.8 15.9 9.4 31.4 13.1 13.3 12.5 9.3 N 7.9 5.0 12.3 9.5 10.7 9.9 10.9

(0.7) (2.3) (1.2) (0.5) (1.5) (2.9) (1.5) (0.6) (9.8) (1.5) (4.8) (3.1) (3.1) (2.5) (1.4) (1.3) (1.3) (1.7) (0.9) (3.8) (3.2) (0.5)

Household size 1 14.0 17.1 10.1 10.8 15.3 16.7 17.7 17.8 N 16.9 28.1 12.5 15.5 17.2 17.3 N 16.3 9.2 14.6 14.4 18.0 17.2 9.7

(0.5) (1.3) (0.9) (1.0) (1.9) (4.2) (1.2) (0.8) (2.0) (3.6) (3.1) (6.6) (2.3) (2.0) (0.8) (1.2) (1.0) (1.5) (3.2) (2.4) (0.5)

2 11.6 13.3 9.2 8.2 11.7 12.1 14.4 14.2 18.3 11.4 32.6 10.0 7.8 13.1 11.4 13.6 11.0 7.4 12.0 14.8 11.7 12.1 9.5

(0.2) (1.3) (0.5) (0.6) (0.9) (2.6) (0.6) (0.6) (2.6) (0.8) (7.3) (2.5) (3.2) (1.3) (0.7) (1.9) (0.7) (0.9) (0.8) (1.0) (1.0) (1.2) (0.3)

3 13.0 14.5 8.8 7.8 13.0 11.5 15.8 17.9 15.0 9.7 27.3 9.3 8.1 16.8 8.9 13.1 14.2 6.8 10.4 14.4 10.3 12.4 10.9

(0.3) (1.7) (0.9) (0.6) (0.6) (1.8) (0.8) (0.6) (2.1) (0.8) (3.8) (2.3) (2.5) (2.2) (0.7) (1.2) (0.9) (0.9) (0.6) (0.9) (1.2) (1.1) (0.4)

4 13.9 12.4 10.9 8.9 12.1 13.5 14.7 20.0 15.4 11.8 25.5 9.4 7.1 15.7 8.9 10.9 13.0 7.4 10.1 13.5 9.7 10.2 12.5

(0.3) (1.0) (0.7) (0.5) (0.8) (2.8) (0.8) (0.6) (3.1) (1.3) (1.8) (2.3) (1.3) (1.4) (0.7) (1.3) (0.8) (0.7) (0.8) (0.6) (0.9) (1.4) (0.3)

5+ 13.5 15.4 11.6 6.2 10.7 8.6 13.2 18.6 14.9 13.1 19.0 9.3 N 15.5 9.0 N 14.1 8.8 9.7 10.8 14.3 8.8 12.6 (0.4) (1.4) (1.3) (0.9) (1.0) (3.0) (1.4) (0.6) (4.0) (1.9) (2.4) (2.8) (2.0) (0.8) (1.2) (1.6) (1.0) (0.9) (2.5) (1.3) (0.6)

Housing status Owners - outright 9.4 8.9 7.8 5.7 7.5 12.9 10.5 10.8 13.1 7.3 15.8 7.9 6.9 8.8 8.3 10.7 N 5.5 8.4 9.2 9.5 8.0 7.9

(0.2) (0.9) (0.8) (0.7) (0.6) (2.3) (0.5) (0.3) (1.6) (0.6) (3.2) (0.6) (5.4) (0.9) (0.8) (1.1) (1.2) (0.4) (1.2) (0.6) (0.8) (0.3)




Renters / other 7.5 10.6 5.4 5.7 7.2 5.0 12.0 9.1 N 10.4 20.1 9.8 N 7.6 8.0 N 6.7 6.2 9.2 10.5 13.0 8.9 3.1

(0.3) (1.4) (0.5) (0.9) (0.5) (2.1) (1.2) (0.3) (0.7) (7.2) (2.9) (1.1) (0.9) (1.7) (0.6) (0.8) (0.7) (1.3) (1.2) (0.3)

Age of RP 16-34 12.0 18.7 6.8 8.5 9.1 N 16.9 18.9 N 12.0 28.4 9.9 7.7 16.7 8.5 15.4 18.4 9.8 11.9 13.9 14.0 12.7 7.0

(0.5) (1.2) (1.2) (0.5) (1.1) (1.5) (0.8) (2.4) (4.8) (2.2) (2.6) (2.2) (0.8) (1.2) (1.1) (1.1) (0.7) (1.1) (1.7) (1.2) (0.4)

35-44 15.2 16.2 10.6 8.9 13.5 10.2 17.1 21.1 17.8 14.8 23.3 11.9 8.7 19.0 10.3 14.7 16.1 8.5 11.1 15.3 13.7 11.3 13.0

(0.3) (0.9) (0.9) (0.5) (0.6) (1.9) (0.6) (0.4) (3.3) (0.8) (1.6) (2.9) (1.7) (1.6) (0.6) (1.5) (0.9) (0.8) (0.6) (0.7) (2.0) (1.2) (0.3)

45-54 13.3 11.9 10.6 7.9 13.3 14.7 15.2 17.8 15.0 11.1 27.8 9.8 7.6 14.3 10.1 11.1 13.4 6.9 10.3 12.4 11.5 10.0 12.0

(0.2) (0.7) (0.6) (0.7) (1.2) (1.4) (0.7) (0.5) (1.4) (1.0) (2.9) (2.3) (5.4) (1.0) (0.8) (3.4) (0.8) (0.5) (0.7) (0.8) (0.7) (1.5) (0.3)

55-64 11.5 10.6 9.6 8.9 9.9 10.4 13.0 13.8 19.3 10.6 24.9 9.8 10.4 14.3 11.4 9.8 9.9 5.6 12.1 13.2 10.9 9.9 11.2

(0.3) (1.2) (0.9) (0.9) (1.3) (2.2) (0.9) (0.6) (3.8) (1.2) (3.2) (2.1) (7.6) (2.3) (1.2) (1.1) (0.9) (1.3) (1.2) (1.0) (1.5) (2.1) (0.5)

65-74 10.4 10.7 10.2 7.0 9.3 12.6 12.0 11.4 N 9.4 40.1 7.5 N 9.4 16.9 N 7.9 8.6 11.5 13.1 10.0 12.9 9.0

(0.4) (1.9) (1.4) (2.9) (1.1) (2.6) (1.4) (0.5) (1.1) (13.8) (1.6) (1.1) (2.5) (0.7) (2.7) (1.2) (1.4) (1.7) (6.3) (0.5)

75+ 9.8 N 14.6 N 8.5 3.5 10.1 8.1 N 14.3 N N N N 21.0 N 8.4 N 9.7 11.2 N N 7.4

(0.9) (2.2) (2.3) (2.5) (1.4) (0.7) (2.0) (5.5) (1.1) (1.7) (3.1) (1.3)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The debt service to income ratio is calculated as the ratio between total monthly debt payments and household gross monthly income, among households with debt payments. Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by country (see tables). Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See country notes: AT1, AT2, AT3, BE1, DE1, DE2, EE4, EE5, EE6, EE7, ES1, ES2, ES7, FI5, FI8, FR2, FR3, FR4, FR5, FR6, GR1, GR3, HR1, HU1, HU3, IT1, IT2, IT3, IT4, LT1, LT2, LV1, LV3, LV4, LV5, NL1, PL1, PL2, PL4, PL5, PL6, PT1 for information on country-specific issues that may affect the comparability of the figures.


Table F6 Median debt to assets ratio - breakdowns Ratio in %



(0.6) (2.2) (1.4) (1.7) (1.8) (4.2) (1.3) (0.8) (0.9) (1.4) (1.7) (2.5) (1.7) (2.1) (0.9) (2.3) (1.6) (1.3) (0.7) (1.3) (0.9) (2.4) (1.0)

Income Bottom 20% 38.0 35.1 77.6 N 23.5 51.7 34.1 18.4 3.0 28.6 36.1 N N 28.7 15.4 N 50.2 33.1 4.9 37.5 11.5 18.2 94.9 (3.1) (12.8) (23.9) (6.8) (221.1) (5.7) (2.1) (2.1) (11.2) (22.6) (10.0) (3.5) (5.3) (16.0) (1.9) (9.8) (8.6) (6.5) (15.9)

20-40% 28.3 33.4 39.3 6.8 12.4 33.6 30.1 26.0 2.9 19.3 21.1 N N 19.5 15.8 N 48.8 15.9 4.4 40.0 4.5 33.3 44.3

(1.8) (8.6) (6.8) (4.1) (3.0) (17.0) (3.8) (1.9) (0.9) (8.2) (4.9) (8.1) (2.5) (3.9) (4.4) (1.1) (4.3) (3.2) (10.5) (4.9)

40-60% 27.7 27.9 25.6 14.1 21.8 18.8 26.5 23.4 5.3 18.9 18.3 10.0 5.2 23.4 16.2 16.2 54.4 18.8 4.5 38.5 5.5 18.9 38.5

(1.6) (6.0) (4.0) (4.4) (3.9) (5.6) (3.7) (2.0) (4.8) (4.5) (6.5) (6.7) (3.8) (8.3) (2.8) (4.6) (3.4) (3.3) (1.0) (3.4) (2.0) (5.0) (2.8)

60-80% 25.1 29.3 24.7 14.9 25.2 21.4 25.8 25.4 6.3 13.1 21.1 14.5 10.0 22.4 15.2 14.2 57.5 16.9 7.1 33.3 10.6 15.1 36.6

(1.2) (4.4) (2.4) (3.1) (3.0) (6.8) (3.5) (2.1) (2.7) (2.6) (4.5) (3.9) (3.8) (5.2) (1.7) (5.9) (2.6) (2.7) (1.6) (2.5) (3.5) (3.8) (1.9)

80-90% 24.9 17.2 21.7 13.5 27.4 20.0 21.7 19.9 10.5 13.9 21.7 24.8 13.7 19.6 17.8 14.9 52.6 12.6 9.2 27.0 8.8 16.5 34.5

(1.3) (4.8) (2.8) (2.3) (4.2) (8.4) (3.6) (2.1) (3.6) (3.8) (2.4) (5.9) (6.7) (4.7) (2.8) (5.4) (5.5) (3.0) (2.9) (3.4) (2.6) (9.6) (1.7)

90-100% 20.0 21.0 16.5 19.5 17.3 24.1 17.5 17.2 5.3 13.4 13.9 14.5 16.3 13.4 11.3 13.5 39.5 12.7 7.8 18.3 7.3 18.4 26.9

(0.8) (4.2) (1.7) (3.1) (4.4) (4.8) (2.4) (1.2) (1.8) (2.1) (5.0) (2.8) (11.7) (2.2) (2.2) (3.9) (4.6) (3.0) (2.0) (1.9) (1.5) (8.4) (1.4)


(3.4) (20.6) (31.8) (10.7) (12.2) (27.0) (5.6) (6.4) (24.9) (17.1) (42.9) (133.8) (14.0) (8.5) (5.9) (9.5) (7.8) (10.8) (5.6) (3.5) (16.0) (4.6) (22.1)

20-40% 33.5 57.6 27.2 16.2 46.4 39.1 44.8 43.4 8.4 35.2 46.2 19.7 18.1 50.5 22.6 38.7 85.5 10.1 6.5 58.8 13.4 22.6 61.1

(2.1) (3.0) (5.9) (4.4) (5.9) (11.0) (3.9) (3.3) (3.0) (4.9) (9.1) (4.9) (9.7) (3.5) (2.3) (2.7) (5.1) (1.8) (1.5) (2.8) (5.0) (4.6) (1.8)

40-60% 34.2 26.9 26.7 14.8 29.0 18.3 24.5 34.8 3.6 13.8 21.5 13.7 4.1 27.4 13.8 11.1 66.0 27.3 3.2 32.8 5.8 12.6 38.2

(0.9) (3.2) (3.7) (3.5) (2.8) (6.6) (2.6) (2.0) (1.0) (3.7) (3.5) (6.1) (2.3) (3.5) (1.9) (4.5) (1.9) (6.2) (0.6) (2.4) (1.7) (5.3) (1.4)

60-80% 16.3 12.2 19.6 6.9 13.1 10.0 12.5 10.7 1.8 5.2 16.5 6.5 4.6 6.0 8.3 4.0 43.3 15.5 2.9 16.9 3.3 8.0 19.5

(0.7) (3.1) (2.1) (1.6) (2.9) (2.8) (1.8) (0.9) (0.6) (1.1) (4.2) (3.3) (1.8) (1.9) (1.2) (2.6) (1.8) (2.4) (0.8) (1.7) (0.9) (2.3) (1.1)

80-90% 9.7 6.7 11.8 6.7 4.2 10.1 7.8 7.9 2.5 5.0 10.9 17.9 1.5 5.3 5.6 7.4 25.1 8.1 3.3 15.7 6.2 8.4 11.4

(0.8) (1.8) (2.5) (1.6) (2.0) (5.1) (1.7) (0.8) (1.4) (2.2) (4.1) (3.9) (2.9) (1.7) (0.9) (3.8) (2.4) (1.4) (0.9) (1.7) (2.1) (5.2) (0.6)

90-100% 6.9 4.4 7.6 3.1 5.9 4.4 6.4 5.9 1.0 2.4 5.0 7.2 3.4 4.9 3.7 1.7 16.3 3.3 1.9 8.4 1.8 4.9 8.2

(0.3) (1.8) (0.9) (0.8) (1.5) (2.6) (1.4) (0.5) (0.8) (1.2) (1.4) (3.1) (1.8) (1.3) (0.7) (0.9) (1.7) (1.1) (0.7) (1.1) (1.1) (2.1) (0.8)

Household size 1 33.0 29.6 37.9 23.9 23.0 36.4 28.3 21.4 2.6 26.8 23.1 11.9 12.1 27.3 12.1 N 55.8 23.3 4.9 37.2 6.2 18.3 45.5

(1.6) (6.0) (4.7) (4.8) (5.3) (14.0) (4.0) (1.9) (1.2) (5.1) (5.2) (8.5) (6.5) (6.5) (2.1) (3.2) (4.6) (1.7) (5.8) (3.2) (7.3) (3.6)

2 17.8 21.9 17.3 10.0 12.0 11.2 18.2 12.0 3.0 15.9 15.5 23.0 7.1 10.6 13.7 28.5 42.3 12.6 7.0 24.2 4.1 20.7 28.9

(0.8) (5.3) (1.7) (2.1) (1.8) (4.8) (1.8) (1.1) (1.1) (3.4) (3.6) (6.9) (4.1) (2.5) (1.5) (5.4) (3.2) (2.2) (1.4) (2.7) (0.8) (5.9) (1.5)

3 27.3 26.6 29.5 12.3 24.6 24.9 30.5 24.4 4.7 13.5 29.0 11.4 13.0 25.5 16.5 16.6 58.2 13.9 6.3 34.8 8.5 27.0 39.8

(1.0) (5.5) (3.1) (2.6) (3.9) (6.8) (2.7) (1.9) (2.0) (2.3) (5.4) (5.7) (3.2) (4.9) (2.5) (3.8) (4.5) (3.1) (1.2) (2.5) (1.5) (5.3) (2.0)

4 27.2 25.1 25.6 19.1 30.1 36.6 24.9 31.3 10.9 14.6 19.0 18.3 13.9 20.6 16.5 5.6 56.9 18.9 8.2 35.1 8.8 15.7 41.2

(1.3) (2.9) (3.0) (3.2) (2.2) (9.3) (2.8) (1.7) (3.0) (2.9) (2.1) (4.5) (9.4) (3.6) (1.7) (1.3) (2.6) (2.3) (1.1) (2.4) (1.7) (3.8) (1.5)

5+ 30.1 31.2 39.8 9.8 24.2 15.5 29.8 29.9 7.6 16.7 13.2 22.6 N 21.0 17.4 15.1 57.1 17.4 3.5 22.1 20.5 12.9 42.7 (1.8) (4.9) (5.2) (3.2) (3.1) (4.4) (4.3) (1.7) (1.8) (4.7) (5.3) (10.1) (4.9) (2.7) (3.3) (6.0) (4.8) (0.8) (4.2) (3.0) (4.1) (2.0)


(0.2) (0.4) (1.1) (0.3) (0.2) (1.8) (0.6) (0.3) (0.4) (0.2) (1.2) (1.0) (0.5) (0.3) (0.3) (0.2) (1.9) (0.8) (0.1) (0.7) (0.2) (0.5) (0.4)




Renters / other 40.5 48.6 44.4 61.1 34.9 32.4 46.1 29.5 80.8 37.8 31.4 98.9 N 36.4 55.5 N 57.8 22.9 32.8 49.3 48.7 95.2 104.6

(1.7) (14.2) (4.6) (10.8) (6.2) (28.5) (5.7) (1.9) (65.1) (6.7) (21.1) (42.3) (6.6) (23.7) (12.5) (4.3) (8.9) (6.9) (9.9) (105.1) (9.1)

Age of RP 16-34 52.7 55.9 54.9 44.1 42.9 60.4 46.8 48.5 21.7 43.0 20.9 35.7 30.6 47.8 27.8 39.4 69.1 34.1 21.8 63.3 30.2 43.6 75.6

(2.3) (4.6) (7.3) (5.3) (3.4) (22.0) (4.9) (2.4) (9.1) (4.7) (14.8) (9.0) (6.4) (6.5) (5.0) (3.7) (5.0) (5.2) (3.8) (7.9) (7.8) (7.4) (1.9)

35-44 39.0 39.5 33.3 26.0 41.1 25.3 44.6 38.9 10.2 24.2 24.0 23.4 13.6 35.6 21.4 21.1 66.0 19.3 10.9 44.7 21.5 24.5 45.8

(1.2) (3.6) (3.8) (2.6) (3.4) (9.2) (2.6) (1.4) (3.1) (4.2) (3.4) (9.0) (7.4) (3.0) (1.7) (3.1) (3.6) (2.0) (1.6) (3.3) (2.1) (4.2) (1.6)

45-54 21.7 18.1 22.0 7.3 23.4 30.4 22.8 19.5 8.2 13.9 19.9 15.7 5.8 14.5 11.3 3.9 54.0 15.7 3.8 27.0 7.9 12.3 27.7

(0.8) (2.6) (1.9) (1.2) (2.7) (6.1) (1.8) (1.3) (2.2) (1.9) (2.5) (4.5) (2.4) (2.4) (1.3) (1.3) (3.3) (2.2) (0.6) (2.3) (1.1) (3.0) (1.2)

55-64 13.1 4.6 19.3 4.3 7.6 20.7 10.9 8.2 3.1 6.6 13.6 11.3 2.9 8.7 10.0 2.6 38.1 9.5 2.4 14.6 3.5 4.9 17.2

(0.7) (1.3) (2.7) (1.3) (1.5) (5.2) (1.0) (0.8) (1.1) (1.7) (4.0) (3.0) (5.3) (2.2) (1.4) (0.6) (3.3) (2.0) (0.4) (1.7) (0.9) (2.3) (1.2)

65-74 8.5 5.6 15.9 3.8 1.5 13.2 6.0 4.5 1.7 5.3 11.0 N N 1.5 5.9 N 34.5 7.2 2.4 7.5 1.5 8.6 11.7

(0.7) (2.3) (4.1) (1.8) (0.4) (7.5) (1.2) (0.5) (0.3) (2.3) (7.4) (0.5) (2.3) (2.5) (1.6) (0.5) (1.9) (0.3) (3.3) (1.1)

75+ 5.6 N 11.1 N 2.0 N 3.2 2.4 1.9 2.5 N N N N 6.9 N 27.4 3.0 1.3 9.0 N N 6.5

(1.0) (3.7) (0.7) (1.6) (0.4) (1.0) (2.4) (3.1) (3.5) (1.6) (0.4) (3.4) (1.2)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The debt to asset ratio is calculated as the ratio between total debt and total gross assets for indebted households. Debt includes mortgages collateralised on household's main residence and mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bill ing period) - unless otherwise specified for a given country (see country notes below for more detail). Total assets include the value of the household main residence for homeowners, other real estate property, vehicles, valuables (such as jewellery, works of art, antiques, etc.), value of self-employment businesses and value of household's financial assets. See country notes: AT1, AT2, AT3, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, ES7, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV2, LV3, LV4, LV5, LV6, NL1, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table F7 Net value of household main residence, among all households - distribution EUR thousands


Mean 105.3 167.3 96.5 47.6 171.0 46.6 102.8 109.5 77.9 131.0 151.9 22.5 53.4 439.7 38.6 184.3 69.7 117.4 61.4 69.1 89.4 65.9 95.7

(1.0) (4.6) (2.8) (1.4) (4.8) (1.5) (2.3) (2.3) (5.4) (2.4) (7.8) (1.3) (2.6) (11.5) (0.7) (9.2) (3.4) (3.4) (1.2) (1.6) (2.9) (2.2) (1.1)

p10 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.0 0.0 0.0 0.0 -1.0 0.0 0.0 0.0 0.0 0.0 0.0 (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (2.1) (0.1) (0.1) (0.1) (2.3) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1)

p20 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10.0 0.0 0.0 0.0 15.0 0.0 4.3 16.9 0.0 0.0 0.0 0.0 0.0 17.7 0.0

(0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (1.7) (0.1) (0.1) (0.1) (1.6) (0.1) (1.2) (10.9) (0.1) (0.1) (0.5) (0.1) (0.1) (2.0) (0.1)

p30 0.0 0.0 0.0 5.9 0.0 0.0 11.1 0.0 25.0 0.0 0.0 2.0 23.1 0.0 13.0 82.5 0.0 0.0 22.7 10.0 30.1 30.0 0.0

(0.1) (7.0) (0.1) (1.1) (0.1) (2.1) (4.1) (0.1) (2.3) (1.2) (0.2) (1.4) (2.3) (12.6) (0.4) (6.4) (0.1) (0.1) (1.0) (2.8) (3.9) (1.4) (0.1)

p40 0.0 79.9 0.0 15.0 80.2 25.0 43.6 0.0 40.0 70.0 47.2 7.7 30.0 203.0 19.4 120.0 0.0 0.0 32.8 32.0 50.0 40.0 23.4

(0.1) (8.8) (0.1) (1.4) (3.1) (1.5) (3.0) (0.1) (2.0) (3.9) (14.8) (1.3) (2.0) (23.3) (0.2) (5.5) (0.1) (0.1) (1.0) (2.0) (1.9) (1.1) (1.9)

p50 50.0 139.8 0.0 28.4 120.0 40.0 69.3 51.8 50.0 100.0 94.0 12.9 38.0 353.1 25.9 150.0 0.0 0.0 42.3 49.9 70.0 51.8 59.6

(1.0) (6.4) (0.1) (1.9) (3.5) (1.4) (3.3) (4.7) (2.0) (1.2) (8.6) (1.5) (2.4) (18.4) (1.3) (4.6) (0.1) (0.1) (1.3) (1.4) (2.0) (1.7) (2.1)

p60 89.9 197.5 40.0 41.2 175.0 50.0 91.0 104.0 70.0 130.0 135.2 20.0 45.0 500.0 35.6 175.0 35.4 89.4 55.4 67.0 87.7 66.1 90.7

(1.4) (6.6) (4.3) (2.3) (5.6) (0.3) (2.8) (3.8) (2.3) (2.6) (10.9) (1.1) (2.8) (14.5) (1.9) (4.8) (4.0) (6.3) (1.5) (2.4) (4.0) (3.1) (1.6)

p70 131.5 250.0 100.6 58.9 220.0 60.2 120.2 150.0 80.0 170.0 195.5 29.5 55.0 619.1 48.6 225.0 91.3 160.0 69.5 84.6 104.6 80.0 126.1

(2.1) (5.0) (5.5) (1.9) (8.6) (2.3) (1.2) (2.6) (3.4) (5.4) (10.7) (1.8) (3.0) (22.4) (0.3) (2.3) (4.4) (5.1) (1.9) (3.4) (4.4) (1.4) (1.6)

p80 192.3 300.0 180.6 71.4 290.0 80.0 165.7 204.5 100.0 200.0 250.3 36.8 72.0 797.8 64.8 300.0 150.0 230.6 91.9 111.0 139.1 100.0 172.5

(3.1) (3.1) (6.7) (2.3) (11.9) (2.3) (5.3) (3.2) (4.9) (5.2) (11.7) (2.0) (5.3) (21.4) (0.4) (7.5) (4.0) (9.0) (1.1) (4.1) (6.8) (1.8) (2.3)

p90 285.2 384.7 300.0 108.1 400.0 103.6 250.0 294.6 150.0 300.0 396.4 50.0 100.0 1000.0 87.5 350.0 232.2 328.5 127.4 160.2 200.0 140.0 241.0

(4.9) (9.4) (7.5) (6.1) (5.2) (7.2) (3.3) (5.0) (5.9) (0.5) (20.8) (2.4) (6.9) (14.4) (3.4) (20.2) (7.5) (15.8) (4.0) (5.9) (4.5) (7.2) (2.9)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Net value of the household main residence is calculated as the value of the household main residence minus outstanding amount of mortgages collateralised on the household main residence. For outright owners without mortgages, the value corresponds to the value of the household main residence. For non-owners, the value is set to zero. See country notes: FI1, FR1, FR6, LV2, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table G1 Consumption - food, utilities - medians EUR thousands per year


DOFOODC Food expenditure at home/outside home, annual 5.2 6.6 5.0 3.7 7.8 4.2 4.8 5.4 3.1 6.0 5.4 3.0 3.6 9.6 2.3 6.8 5.4 5.6 3.0 4.2 4.0 4.2 5.5

(0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.2) (0.2) (0.1) (0.1) (0.2) (0.1) (0.2) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1)

DOFOODCH Food expenditure (at home), annual 4.4 5.4 4.0 3.6 5.2 3.6 M 4.8 3.1 4.8 3.7 2.4 2.4 6.7 1.9 5.4 4.8 4.2 2.8 3.6 3.6 3.6 4.2 (0.2) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.3) (0.1) (0.2) (0.5) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1)

DOCOUTIL Expenditure on utilities, annual 2.5 3.0 3.4 1.6 3.2 2.3 M 2.4 1.9 2.0 2.4 1.4 1.2 4.0 1.8 1.5 2.7 2.4 1.9 1.8 3.0 2.4 1.9

(0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Food expenditure at home includes food and beverages. Food expenditure outside home includes expenses at restaurants, lunches, canteens, and equivalent, net of any employer subsidy. Util ities include electricity, water, gas, telephone, internet and television. See country notes: ES3, FI10, FR6, NL1, PL3 for information on country-specific issues that may affect the comparability of the figures.


Table G2 Consumption and saving % of households


DOABLETOSAVE Regular expenses less than income 41.3 52.0 49.3 30.8 40.0 15.5 M 43.3 19.5 33.1 20.2 19.3 33.3 65.2 25.8 45.6 43.0 39.2 26.2 27.1 34.1 32.3 M

(0.4) (1.5) (1.1) (1.1) (1.1) (1.2) (0.7) (1.3) (0.8) (1.7) (1.5) (2.2) (1.4) (0.8) (1.4) (1.1) (1.2) (0.8) (1.1) (1.3) (1.5)

DOFINASSIST Ability to get financial assistance from friends or relatives 56.3 65.3 62.5 29.6 63.0 53.6 M 45.2 30.6 56.0 47.2 26.6 30.2 69.3 54.8 62.8 62.0 60.9 58.9 75.9 45.5 44.9 54.1

(0.4) (1.4) (1.0) (1.0) (0.9) (1.6) (0.7) (1.5) (0.8) (2.0) (1.8) (2.6) (1.3) (0.9) (1.3) (1.0) (1.0) (0.9) (0.9) (1.3) (1.6) (0.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The abil ity to save indicator is based on the regular expenses less than income indicator question asking on the balance of expenses and income over the last 12 months (response code expenses less than income). Ability to get financial assistance from friends and relatives indicator is based on the question: In an emergency, could your household get financial assistance of say EUR 5,000 from friends or relatives, who do not l ive with you? See country notes: ES4, FI10, FR6, NL1, PL3 for information on country-specific issues that may affect the comparability of the figures.


Table G3 Regular expenses less than income - breakdowns % of households


Total population ALL 41.3 52.0 49.3 30.8 40.0 15.5 M 43.3 19.5 33.1 20.2 19.3 33.3 65.2 25.8 45.6 43.0 39.2 26.2 27.1 34.1 32.3 M

(0.4) (1.5) (1.1) (1.1) (1.1) (1.2) (0.7) (1.3) (0.8) (1.7) (1.5) (2.2) (1.4) (0.8) (1.4) (1.1) (1.2) (0.8) (1.1) (1.3) (1.5)

Income Bottom 20% 25.3 29.6 29.8 18.3 24.2 4.0 M 49.9 18.7 11.8 8.2 5.9 23.4 49.7 13.4 25.4 24.9 22.1 14.3 11.3 28.6 20.8 M (0.9) (3.4) (2.4) (2.3) (2.1) (1.3) (1.7) (3.2) (1.2) (3.3) (1.9) (4.3) (4.3) (1.5) (2.8) (2.4) (2.0) (1.2) (1.6) (3.7) (2.3)

20-40% 34.3 47.0 43.2 21.1 32.2 8.3 M 48.2 15.9 22.4 17.7 13.3 23.5 66.0 20.4 45.9 36.1 33.5 23.7 18.8 22.6 26.7 M

(0.9) (3.8) (2.8) (2.5) (1.9) (1.7) (1.6) (2.6) (1.4) (4.7) (3.8) (4.9) (3.8) (1.6) (3.7) (2.8) (2.3) (1.5) (2.0) (2.7) (2.8)

40-60% 42.5 57.2 49.7 30.9 38.0 13.9 M 44.9 14.5 33.9 14.0 21.6 26.2 63.9 23.3 42.3 42.4 39.4 24.6 22.6 34.9 31.0 M

(1.0) (3.6) (2.7) (2.7) (2.3) (2.8) (1.4) (2.8) (1.8) (3.2) (3.5) (4.2) (3.8) (2.2) (3.1) (2.7) (2.2) (1.7) (2.3) (2.7) (3.4)

60-80% 47.1 58.0 56.7 38.4 49.0 19.5 M 39.6 19.6 42.7 21.2 23.6 44.7 69.7 30.8 47.2 48.5 47.2 30.3 35.6 33.1 37.5 M

(1.0) (3.3) (2.5) (2.5) (2.6) (2.6) (1.2) (3.2) (2.1) (3.8) (3.8) (4.2) (3.2) (1.9) (3.5) (2.7) (2.4) (2.0) (2.3) (2.5) (4.0)

80-90% 50.5 67.6 60.3 43.0 52.2 24.9 M 38.5 26.2 46.2 33.7 26.7 50.0 75.9 36.1 66.2 61.0 46.3 31.4 45.9 45.1 36.4 M

(1.3) (4.8) (3.3) (3.2) (4.3) (4.9) (1.8) (4.9) (2.7) (6.6) (5.2) (5.6) (4.5) (2.7) (4.6) (4.0) (3.5) (2.6) (3.4) (4.0) (5.9)

90-100% 61.5 68.8 74.3 47.3 60.3 38.5 M 29.6 31.9 63.4 45.9 37.6 49.7 78.2 47.4 68.6 63.9 61.9 44.9 49.0 58.2 55.4 M

(1.2) (4.8) (2.5) (3.1) (3.6) (4.7) (1.5) (5.2) (2.4) (5.9) (4.1) (8.0) (3.4) (2.8) (4.3) (3.6) (3.1) (2.7) (2.9) (4.1) (6.4)

Net wealth Bottom 20% 27.1 24.1 23.7 16.4 20.9 5.8 M 52.5 13.9 12.8 9.1 9.5 23.3 57.2 12.9 30.7 18.5 19.4 18.9 12.5 26.6 25.3 M

(1.0) (3.2) (2.5) (2.5) (2.6) (1.3) (1.5) (3.0) (1.6) (3.5) (2.6) (3.6) (3.8) (1.3) (2.9) (2.4) (1.8) (1.4) (2.0) (2.8) (3.1)

20-40% 38.3 48.2 42.1 30.5 37.8 8.1 M 45.3 24.9 30.1 18.7 15.2 25.9 63.5 17.8 44.3 34.8 35.2 22.5 24.4 22.2 26.9 M

(1.0) (4.1) (2.7) (2.9) (2.9) (1.7) (1.6) (3.3) (1.6) (4.3) (3.4) (4.5) (3.7) (1.6) (3.4) (2.8) (2.2) (1.6) (2.2) (2.4) (3.2)

40-60% 40.3 59.4 51.4 33.3 40.4 17.5 M 45.3 19.5 30.1 16.4 15.9 29.7 62.1 24.3 50.4 47.9 45.2 28.0 26.6 32.0 27.2 M

(1.0) (4.0) (2.8) (2.7) (2.2) (2.5) (1.4) (3.1) (2.0) (4.0) (3.1) (4.3) (3.6) (1.8) (3.2) (2.8) (2.5) (1.8) (2.3) (3.1) (3.2)

60-80% 47.6 60.2 61.5 36.2 48.3 20.6 M 41.1 18.8 39.4 21.2 27.5 38.1 69.5 27.1 45.4 53.9 44.9 27.8 30.3 42.3 35.5 M

(1.0) (4.1) (2.3) (2.6) (2.8) (2.9) (1.3) (2.8) (1.9) (4.2) (4.2) (4.0) (3.4) (1.8) (3.5) (2.5) (2.7) (2.0) (2.3) (3.0) (3.6)

80-90% 52.9 69.3 67.3 37.8 50.4 24.5 M 34.2 16.7 51.0 28.5 25.3 48.8 75.2 44.9 59.8 56.7 48.7 29.7 35.0 47.4 46.1 M

(1.2) (4.5) (3.1) (3.2) (3.7) (4.3) (1.8) (4.9) (2.6) (7.2) (4.8) (6.1) (4.3) (2.4) (5.0) (3.7) (3.8) (2.8) (2.9) (4.2) (5.7)

90-100% 54.7 66.7 68.7 37.0 53.7 26.0 M 30.7 24.5 55.4 42.6 31.9 52.1 72.8 50.9 55.2 61.1 54.2 38.2 48.9 48.0 48.0 M

(1.3) (4.5) (3.0) (3.1) (3.8) (4.0) (1.6) (4.5) (3.0) (6.2) (4.5) (6.5) (4.1) (2.4) (5.7) (3.4) (3.1) (2.8) (2.7) (3.9) (5.2)

Household size 1 41.3 48.7 47.7 27.7 38.5 14.1 M 43.6 19.1 34.7 23.8 16.7 25.8 61.5 23.8 42.8 38.4 34.5 25.2 28.7 30.3 27.5 M

(0.7) (2.8) (1.7) (2.0) (2.3) (1.9) (1.2) (2.7) (1.5) (4.6) (2.5) (2.8) (3.0) (1.3) (3.2) (1.6) (1.6) (1.3) (2.1) (2.5) (2.5)

2 44.7 55.7 54.7 34.6 44.3 19.1 M 42.7 18.5 34.7 25.6 19.0 35.7 70.9 27.3 47.7 47.8 43.6 27.8 26.8 38.6 34.1 M

(0.7) (2.7) (1.7) (1.9) (1.7) (2.2) (1.1) (2.6) (1.4) (3.4) (2.4) (3.6) (2.5) (1.3) (2.6) (1.8) (1.9) (1.4) (1.6) (1.9) (2.3)

3 39.4 53.6 47.1 33.1 40.8 15.5 M 44.1 18.7 32.8 11.3 22.0 35.7 68.4 26.9 50.6 40.9 39.9 27.4 27.9 33.3 34.3 M

(1.0) (3.9) (2.8) (2.5) (2.8) (2.2) (1.5) (3.1) (1.6) (2.6) (3.8) (4.9) (3.4) (1.8) (2.8) (3.3) (2.8) (1.7) (1.9) (2.4) (3.3)

4 38.4 54.9 46.6 30.7 40.6 13.2 M 40.6 21.4 31.6 19.6 28.4 53.4 65.8 28.6 44.0 45.3 40.7 27.5 27.4 40.3 33.7 M

(1.0) (4.1) (3.2) (2.7) (2.2) (2.2) (1.6) (3.1) (2.1) (3.4) (5.0) (4.5) (3.3) (2.1) (3.4) (3.6) (3.1) (1.9) (2.1) (2.6) (3.7)

5+ 34.3 44.6 32.0 27.3 30.4 9.7 M 49.1 21.3 22.3 14.2 10.9 34.2 54.7 20.5 34.9 44.6 39.3 21.9 17.0 31.7 29.3 M (1.4) (5.1) (4.3) (3.6) (3.2) (2.7) (2.3) (4.0) (3.1) (3.5) (3.2) (7.8) (5.0) (2.3) (4.9) (5.1) (5.1) (2.1) (3.0) (3.4) (4.9)

Housing status Owners - outright 43.5 59.7 64.1 31.6 45.7 17.9 M 40.1 19.1 37.6 23.2 19.6 31.5 67.8 27.0 47.0 54.8 47.6 26.6 28.6 34.8 33.4 M

(0.6) (2.4) (1.9) (1.4) (1.8) (1.6) (1.0) (1.4) (1.1) (2.6) (1.8) (2.4) (2.2) (0.9) (1.8) (3.0) (2.2) (0.9) (1.5) (1.4) (1.7)



Owners - with mortgage 44.9 59.5 50.9 34.9 44.4 11.0 M 41.1 26.9 36.1 18.0 24.6 53.2 65.4 26.1 53.1 50.4 40.2 29.0 30.2 36.9 30.7 M (0.8) (2.6) (2.4) (2.5) (2.5) (2.9) (1.2) (4.8) (3.1) (2.6) (5.1) (7.6) (2.6) (1.9) (3.1) (1.5) (2.8) (2.2) (1.7) (4.1) (3.4)

Renters / other 37.8 34.9 41.8 25.7 27.9 11.4 M 47.3 17.2 23.8 18.6 16.5 25.3 61.5 20.6 33.9 31.7 34.2 23.4 20.8 31.2 29.0 M

(0.7) (2.8) (1.4) (2.3) (2.2) (1.5) (1.1) (3.6) (1.6) (3.3) (2.6) (5.4) (2.8) (1.8) (2.9) (1.8) (1.3) (1.5) (1.8) (2.5) (4.1)

Age of RP 16-34 42.0 61.9 46.7 37.5 37.9 9.4 M 41.2 27.7 33.7 17.7 32.0 41.4 59.4 30.1 44.6 40.6 34.5 30.8 30.9 39.0 32.9 M

(1.2) (4.7) (2.5) (2.9) (2.9) (2.1) (1.7) (5.0) (3.4) (4.7) (4.9) (4.6) (4.3) (2.2) (3.2) (3.0) (2.6) (2.1) (3.4) (4.0) (4.5)

35-44 38.4 54.7 41.1 29.1 41.0 13.7 M 43.2 21.7 30.5 21.6 19.3 43.7 64.0 25.5 51.4 46.7 39.7 30.7 31.1 36.7 24.8 M

(0.9) (3.7) (2.3) (2.4) (2.3) (2.5) (1.6) (3.3) (2.2) (3.5) (3.9) (4.1) (3.4) (1.8) (3.7) (3.1) (2.3) (1.7) (2.1) (3.0) (3.0)

45-54 41.9 51.1 51.1 29.6 39.8 13.6 M 44.5 17.4 32.7 13.5 18.2 34.6 66.1 28.9 46.9 43.0 41.5 23.5 25.1 36.5 30.4 M

(0.9) (3.2) (2.3) (2.6) (2.0) (1.8) (1.4) (2.7) (1.9) (2.9) (3.3) (4.4) (2.7) (1.7) (3.6) (2.8) (2.3) (1.6) (1.9) (2.3) (3.3)

55-64 42.9 50.8 52.4 30.5 42.5 19.4 M 43.5 18.6 35.8 22.4 20.8 34.0 66.4 22.6 49.3 42.4 39.7 24.3 26.5 30.5 41.3 M

(0.9) (3.2) (2.5) (2.4) (3.0) (3.5) (1.4) (2.6) (2.0) (3.6) (3.1) (4.5) (3.4) (1.6) (3.3) (2.3) (2.2) (1.5) (2.0) (2.2) (3.4)

65-74 42.9 45.8 55.1 24.2 38.1 20.6 M 45.3 17.9 35.0 24.9 16.7 20.0 72.8 26.2 43.3 42.9 40.0 24.3 26.1 30.2 36.0 M

(0.9) (3.4) (2.6) (2.7) (2.2) (2.2) (1.6) (2.9) (1.9) (5.1) (3.6) (4.6) (3.9) (1.6) (3.1) (2.2) (2.5) (1.7) (2.2) (2.8) (3.2)

75+ 39.8 49.5 49.9 31.9 38.6 13.0 M 42.1 17.5 31.6 24.2 10.4 20.7 63.2 21.0 34.0 42.2 39.0 23.3 24.3 33.6 28.5 M

(1.0) (4.3) (2.5) (3.1) (2.5) (2.0) (1.9) (3.2) (1.6) (5.9) (2.4) (4.0) (5.4) (1.8) (3.7) (3.0) (2.9) (1.7) (2.1) (3.1) (3.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The abil ity to save indicator is based on the regular expenses less than income indicator question asking on the balance of expenses and income over the last 12 months (response code expenses less than income). See country notes: AT1, AT2, AT3, BE1, DE1, DE2, EE6, EE7, ES1, ES2, FI10, FR2, FR4, FR5, FR6, GR1, HR1, HU1, IT1, IT3, IT4, LT2, LV1, NL1, PL1, PL3, PL6, PT1 for information on country-specific issues that may affect the comparability of the figures.


Table H1 Credit constraints % of households


DOCREDITAPPL Applied for credit within last 3 years 22.0 22.4 25.9 25.6 30.3 1.6 M 33.1 16.9 11.2 8.6 21.0 17.8 34.9 11.6 14.9 15.2 6.2 11.1 19.6 13.2 15.4 27.6

(0.3) (1.2) (0.8) (1.0) (1.0) (0.3) (0.6) (1.3) (0.6) (1.1) (1.5) (1.4) (1.3) (0.5) (1.0) (0.7) (0.5) (0.5) (0.8) (0.8) (1.1) (0.5)

DOCREDITREFUSED Refused or only reduced credit (among those applying in last 3 years) 9.2 5.0 8.7 11.7 10.6 51.3 M 8.3 19.6 10.3 7.7 24.5 33.6 8.4 N 11.5 10.0 14.1 13.4 8.2 31.6 16.9 6.8 (0.5) (1.2) (1.2) (1.7) (1.4) (11.1) (0.7) (3.7) (1.7) (2.6) (3.9) (5.3) (1.4) (2.1) (1.9) (2.4) (1.7) (1.3) (3.3) (3.1) (0.7)

DOCREDITNOTAPPL Not applying for credit due to perceived credit constraint M 2.6 4.4 5.6 6.3 3.5 M 8.5 7.6 M 5.5 5.9 5.9 5.0 5.3 2.3 1.6 1.9 4.3 5.6 7.9 5.0 5.1

(0.4) (0.4) (0.5) (0.4) (0.6) (0.4) (0.9) (1.0) (1.0) (0.9) (0.7) (0.4) (0.4) (0.3) (0.3) (0.4) (0.5) (0.7) (0.7) (0.3)

DOCREDITC Credit constrained household M 3.5 5.7 7.7 7.9 3.9 M 10.1 9.5 M 6.0 8.8 10.1 7.3 5.3 3.9 3.0 2.5 5.0 6.9 10.8 6.9 6.2

(0.5) (0.5) (0.7) (0.5) (0.6) (0.4) (1.0) (1.0) (1.1) (1.1) (0.8) (0.4) (0.6) (0.4) (0.3) (0.4) (0.6) (0.8) (0.8) (0.3)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The first row shows the percentage of households who applied for credit in the last three years. The second row shows those who were denied credit or were offered a smaller amount than they applied for among those applying in the last three years. The third row shows those not applying for credit due to a perceived credit constraint. The last row shows the percentage of credit-constrained households. A credit-constrained household is defined as a household to which one or more of the following situations apply: (i) applied for credit within the last 3 years and was turned down, and did not report successful later reapplication, (i i) applied for credit but were not given as much as they applied for, or (i i i) did not apply for credit due to a perceived credit constraint. Households with missing information on applying for credit or on not applying for credit due to a perceived credit constraint are excluded from the calculation of the percentages. Note: The information on credit constraints is not necessarily fully imputed for all countries, remaining missing values may cause slight numerical inconsistencies between the individual components and the composite credit constrained household indicator. See country notes: ES5, ES6, FR6, HU2, NL1 for information on country-specific issues that may affect the comparability of the figures.


Table I1 Annual gross income per household, medians - breakdowns EUR thousands



(0.2) (1.0) (0.7) (0.4) (0.7) (0.4) (0.5) (0.5) (0.4) (0.3) (1.2) (0.3) (0.3) (2.0) (0.2) (0.9) (0.8) (0.5) (0.2) (0.4) (0.4) (0.4) (0.3)

Income Bottom 20% 10.0 16.9 12.1 4.4 14.2 7.5 9.4 13.5 0.6 9.1 8.0 3.0 0.0 25.5 3.3 7.7 10.2 16.2 4.4 5.7 1.2 5.5 15.0 (0.1) (0.8) (0.6) (0.1) (0.4) (0.4) (0.2) (0.3) (0.3) (0.3) (0.7) (0.1) (0.4) (1.6) (0.1) (0.2) (0.8) (0.4) (0.1) (0.2) (0.3) (0.1) (0.2)

20-40% 20.1 29.0 26.1 8.7 28.9 13.0 16.9 22.9 4.6 17.1 15.0 5.6 4.0 48.0 6.3 14.6 29.3 28.1 8.8 11.1 9.0 10.7 26.5

(0.1) (0.9) (0.5) (0.3) (0.5) (0.3) (0.3) (0.3) (0.3) (0.3) (0.7) (0.4) (0.4) (1.4) (0.1) (0.4) (0.8) (0.5) (0.1) (0.2) (0.4) (0.2) (0.3)

40-60% 31.0 43.5 40.2 16.3 48.0 19.1 25.3 32.3 8.4 24.6 25.5 10.2 7.1 71.2 10.7 25.5 44.8 41.3 13.5 17.6 16.4 16.0 40.7

(0.2) (1.0) (0.7) (0.4) (0.7) (0.4) (0.5) (0.5) (0.4) (0.3) (1.1) (0.3) (0.3) (2.0) (0.2) (0.9) (0.8) (0.6) (0.2) (0.4) (0.4) (0.4) (0.3)

60-80% 47.3 64.7 58.8 28.0 76.1 26.2 37.5 46.5 14.5 37.5 38.8 16.8 12.2 106.4 17.7 38.1 65.8 57.9 19.1 26.6 27.0 22.6 60.9

(0.3) (1.9) (1.0) (0.6) (1.3) (0.6) (0.6) (0.6) (0.5) (0.7) (1.4) (0.4) (0.8) (2.8) (0.3) (0.9) (1.2) (0.9) (0.3) (0.5) (0.5) (0.5) (0.5)

80-90% 69.8 92.1 85.3 41.4 108.0 36.8 54.5 63.2 21.9 56.2 55.1 25.1 19.8 150.8 25.8 51.0 90.0 77.8 25.5 39.6 41.1 31.1 83.2

(0.5) (2.4) (1.6) (0.9) (2.9) (1.0) (1.3) (0.6) (0.8) (1.1) (1.9) (0.7) (1.0) (4.2) (0.4) (1.1) (1.5) (1.5) (0.4) (1.0) (0.9) (0.9) (0.5)

90-100% 109.7 138.4 137.7 65.1 166.7 51.5 86.1 92.2 35.1 88.8 84.1 41.0 33.8 220.3 38.4 72.5 127.6 111.2 36.2 67.4 60.3 46.9 120.2

(1.4) (4.1) (4.6) (1.8) (6.6) (2.5) (2.4) (1.1) (1.7) (2.3) (5.0) (1.5) (2.2) (8.5) (0.8) (3.2) (2.9) (3.3) (0.8) (2.0) (1.9) (3.1) (1.3)


(0.3) (1.0) (1.1) (0.6) (1.4) (0.6) (0.6) (0.6) (0.5) (0.4) (1.4) (0.7) (0.8) (2.3) (0.4) (1.5) (1.7) (0.6) (0.3) (0.5) (0.9) (0.8) (0.6)

20-40% 25.7 42.6 31.4 11.5 45.7 14.4 20.2 26.9 7.0 21.3 19.4 7.2 4.6 64.7 8.1 22.3 33.4 35.8 10.6 14.6 11.4 12.3 35.0

(0.4) (2.2) (1.6) (1.3) (2.1) (0.8) (0.6) (0.8) (0.9) (0.8) (2.6) (0.9) (0.8) (3.9) (0.3) (1.4) (2.1) (1.1) (0.3) (0.7) (1.0) (0.7) (0.9)

40-60% 28.8 47.6 44.3 17.0 45.1 17.7 23.6 31.6 7.9 23.0 27.1 9.8 7.1 69.1 9.6 25.2 45.9 44.4 13.7 16.9 15.9 14.3 42.0

(0.5) (3.6) (1.6) (1.5) (1.9) (0.8) (0.8) (0.8) (0.8) (0.7) (3.2) (0.7) (0.7) (4.1) (0.4) (2.1) (1.7) (1.7) (0.8) (0.8) (1.1) (0.7) (1.0)

60-80% 38.1 50.4 51.1 19.6 57.9 22.0 30.0 39.9 8.8 30.5 31.2 12.2 9.0 81.5 12.0 28.8 55.2 48.8 16.6 21.1 20.0 20.3 49.4

(0.5) (3.2) (2.6) (1.2) (3.2) (0.9) (0.8) (0.8) (1.1) (1.1) (3.4) (1.0) (0.9) (3.3) (0.6) (1.2) (2.3) (1.8) (0.5) (1.1) (1.6) (0.7) (1.3)

80-90% 50.4 66.2 60.3 29.6 67.4 28.3 39.9 52.2 14.6 42.8 43.4 20.2 10.6 120.4 16.7 37.6 61.9 57.2 17.7 25.3 27.5 24.8 57.5

(1.0) (6.4) (3.3) (1.9) (5.1) (1.5) (1.9) (1.2) (1.8) (2.7) (6.0) (2.3) (2.0) (13.0) (0.8) (4.4) (5.2) (2.9) (0.6) (1.4) (2.7) (2.1) (1.6)

90-100% 70.3 74.0 85.6 36.7 103.8 30.7 56.4 67.8 16.7 58.7 55.4 25.2 11.2 150.4 22.8 41.5 81.1 75.5 23.2 42.9 33.5 28.7 82.9

(1.4) (7.6) (3.4) (3.0) (3.5) (2.8) (4.0) (1.7) (1.8) (3.1) (6.2) (2.8) (1.9) (10.4) (1.0) (4.5) (4.4) (4.4) (0.9) (2.9) (3.9) (3.2) (2.2)

Household size 1 19.5 24.7 24.9 5.4 18.4 11.3 14.1 20.6 3.6 17.2 10.9 3.7 4.1 44.8 4.5 10.4 27.8 23.7 5.6 8.5 6.5 6.0 21.5

(0.2) (1.1) (1.2) (0.3) (0.9) (0.3) (0.6) (0.3) (0.3) (0.4) (0.7) (0.2) (0.4) (2.3) (0.1) (0.7) (1.0) (0.4) (0.1) (0.4) (0.4) (0.2) (0.4)

2 36.5 47.4 47.2 17.0 45.0 19.3 25.6 38.1 6.9 27.8 20.2 10.2 8.0 78.1 10.6 21.1 51.3 47.9 11.9 15.2 15.4 12.6 50.9

(0.4) (2.1) (1.3) (0.9) (1.0) (0.6) (0.7) (0.5) (0.5) (0.7) (1.7) (0.5) (0.6) (2.9) (0.2) (1.1) (1.5) (0.9) (0.3) (0.5) (0.5) (0.4) (0.6)

3 40.7 61.6 58.9 28.5 58.9 24.2 31.1 43.5 12.6 36.0 27.2 16.7 12.2 103.3 16.8 33.0 63.6 59.7 16.8 22.7 27.5 20.5 66.0

(0.7) (3.6) (3.9) (1.1) (2.5) (1.2) (0.9) (0.7) (1.1) (1.2) (1.7) (1.0) (1.6) (6.6) (0.6) (1.4) (3.4) (2.1) (0.4) (0.7) (0.9) (0.6) (1.2)

4 47.7 75.7 65.2 34.1 82.0 25.8 35.9 52.8 15.9 37.2 38.9 19.8 16.2 99.7 19.8 36.7 76.2 67.5 19.2 26.5 35.2 23.1 75.6

(0.8) (3.9) (3.1) (1.7) (4.4) (1.3) (1.8) (0.9) (1.1) (2.5) (2.3) (1.3) (1.0) (6.8) (0.7) (2.3) (3.4) (1.6) (0.4) (1.0) (1.3) (1.5) (1.1)

5+ 46.3 68.7 60.5 38.6 83.5 28.7 36.3 47.0 15.6 31.0 40.9 21.5 13.3 93.0 21.4 38.3 79.4 69.9 21.3 29.3 32.2 23.9 76.9 (1.0) (6.7) (5.6) (2.0) (3.8) (2.1) (2.9) (1.8) (1.0) (3.1) (2.7) (1.9) (3.1) (10.1) (1.4) (3.2) (5.6) (5.6) (0.7) (2.7) (2.2) (1.4) (1.7)


(0.3) (1.6) (1.7) (0.6) (1.3) (0.5) (0.7) (0.7) (0.4) (0.5) (1.9) (0.4) (0.4) (3.0) (0.2) (1.3) (3.5) (1.5) (0.3) (0.5) (0.6) (0.6) (0.6)




Renters / other 24.0 26.1 30.3 10.1 33.9 15.4 17.4 23.2 7.4 18.7 14.7 7.3 6.2 48.3 9.3 15.8 29.8 33.6 9.5 12.6 14.0 11.7 25.0

(0.2) (1.3) (0.8) (0.8) (1.3) (0.7) (0.5) (0.3) (1.3) (0.4) (1.3) (1.0) (0.9) (2.8) (0.5) (1.5) (1.0) (0.7) (0.3) (0.5) (0.9) (1.0) (0.5)

Age of RP 16-34 27.9 49.0 33.0 22.7 48.9 14.3 24.0 26.8 10.8 21.4 19.6 15.1 10.4 62.1 14.5 35.5 31.6 35.6 15.0 18.2 16.4 15.7 33.9

(0.7) (3.6) (1.6) (1.7) (2.3) (1.4) (1.7) (0.9) (1.1) (1.0) (2.2) (1.0) (1.6) (4.0) (0.6) (1.7) (1.8) (1.7) (0.4) (0.8) (1.3) (1.0) (0.9)

35-44 36.8 53.8 51.9 29.5 63.7 20.6 29.3 39.1 14.0 25.1 32.3 16.1 10.5 77.9 16.3 31.7 56.5 51.7 17.8 21.8 24.8 19.0 62.5

(0.8) (3.5) (2.1) (1.4) (2.4) (0.8) (1.0) (1.0) (0.8) (0.9) (2.3) (1.5) (1.6) (4.3) (0.6) (1.9) (2.6) (1.4) (0.4) (0.9) (1.0) (1.2) (1.1)

45-54 39.9 58.6 55.5 23.6 66.0 23.3 28.4 39.9 11.9 29.2 32.6 12.6 9.1 86.4 15.1 34.5 55.9 54.2 16.6 23.1 27.1 22.4 60.3

(0.7) (2.7) (2.2) (1.3) (2.7) (1.2) (1.2) (1.1) (0.8) (1.1) (2.3) (1.4) (1.3) (4.7) (0.7) (2.5) (2.7) (1.9) (0.4) (0.8) (1.3) (0.8) (1.4)

55-64 35.3 48.7 47.8 17.2 52.8 21.8 29.3 33.3 8.4 32.5 31.9 11.5 6.5 74.1 10.4 28.8 49.5 46.1 13.3 20.0 16.2 19.0 47.8

(0.6) (2.3) (1.9) (1.1) (3.0) (0.9) (1.1) (0.9) (1.1) (1.2) (2.6) (0.9) (0.7) (5.9) (0.4) (1.7) (3.2) (1.8) (0.4) (1.1) (1.1) (0.7) (1.3)

65-74 28.5 31.9 33.5 8.5 29.0 17.2 25.0 32.1 5.0 24.8 18.2 6.5 4.7 66.9 6.6 12.6 40.0 35.4 8.6 13.6 10.0 9.4 35.0

(0.5) (1.8) (1.7) (0.5) (1.1) (0.9) (1.2) (0.7) (0.5) (0.6) (2.3) (0.8) (0.5) (5.4) (0.2) (0.7) (1.8) (1.1) (0.3) (0.5) (0.7) (0.3) (0.9)

75+ 21.3 26.9 27.4 5.1 25.9 14.3 15.6 26.1 3.6 17.4 11.5 3.4 3.6 55.2 5.0 10.2 35.8 25.8 6.9 10.0 7.5 7.0 23.2

(0.3) (1.7) (1.2) (0.1) (0.7) (0.8) (0.7) (0.7) (0.4) (0.4) (0.8) (0.1) (0.3) (3.8) (0.1) (0.4) (1.9) (1.6) (0.3) (0.4) (0.5) (0.3) (0.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by country. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE1, DE1, DE2, EE6, EE7, ES1, ES2, ES7, FR2, FR4, FR5, FR6, GR1, HR1, HU1, IT1, IT3, IT4, LT2, LV1, LV4, NL1, PL1, PL6, PT1 for information on country-specific issues that may affect the comparability of the figures.


Table I2 Annual gross income per household - means - breakdowns EUR thousands



(0.3) (1.2) (0.9) (0.4) (1.5) (0.4) (0.7) (0.4) (0.5) (0.5) (1.0) (0.3) (0.6) (1.9) (0.2) (1.0) (1.0) (1.4) (0.2) (0.6) (0.5) (0.8) (0.1)

Income Bottom 20% 9.2 16.0 11.4 3.8 14.5 6.5 8.8 12.3 0.9 8.1 7.3 2.7 0.6 24.4 3.1 7.6 10.0 15.9 4.2 5.2 1.9 5.5 14.4 (0.1) (0.5) (0.4) (0.1) (0.5) (0.3) (0.2) (0.2) (0.2) (0.2) (0.5) (0.1) (0.4) (1.3) (0.1) (0.2) (0.6) (0.3) (0.1) (0.2) (0.3) (0.1) (0.2)

20-40% 20.1 29.2 26.1 8.5 29.4 13.2 16.8 22.7 4.5 17.1 15.3 5.7 4.1 48.4 6.4 15.0 29.0 28.4 8.8 11.3 9.0 10.8 26.4

(0.1) (0.7) (0.5) (0.3) (0.5) (0.3) (0.3) (0.3) (0.2) (0.2) (0.6) (0.3) (0.4) (1.3) (0.1) (0.4) (0.7) (0.4) (0.1) (0.2) (0.4) (0.2) (0.2)

40-60% 31.3 44.2 40.2 16.4 48.4 18.9 25.4 32.7 8.6 24.8 25.3 10.2 7.2 71.5 10.8 25.4 45.2 41.6 13.6 17.7 16.8 16.2 40.8

(0.2) (0.9) (0.6) (0.5) (0.7) (0.4) (0.4) (0.4) (0.4) (0.3) (0.9) (0.3) (0.4) (1.7) (0.2) (0.5) (0.7) (0.5) (0.2) (0.3) (0.4) (0.4) (0.3)

60-80% 48.0 65.7 59.5 28.1 76.3 26.4 37.9 46.8 14.6 38.1 38.9 16.9 12.4 107.4 17.8 37.9 66.1 58.2 19.3 26.7 27.5 23.0 61.3

(0.3) (1.5) (0.9) (0.6) (1.1) (0.5) (0.5) (0.5) (0.5) (0.6) (1.2) (0.4) (0.8) (2.5) (0.3) (0.8) (1.0) (0.8) (0.2) (0.5) (0.5) (0.5) (0.3)

80-90% 70.3 93.6 86.2 42.0 109.1 36.6 55.5 63.8 22.0 56.4 55.4 24.7 20.0 153.3 26.0 51.0 90.7 77.9 25.8 40.3 41.1 31.5 83.9

(0.5) (2.4) (1.5) (0.9) (2.3) (1.1) (1.1) (0.6) (0.9) (1.0) (1.8) (0.7) (1.1) (3.5) (0.4) (1.3) (1.5) (1.3) (0.4) (0.9) (0.9) (0.9) (0.5)

90-100% 135.7 161.1 171.0 73.1 206.5 58.2 111.9 112.3 42.8 106.0 100.3 47.5 40.3 276.2 47.9 90.4 156.8 138.9 43.7 83.9 71.7 60.6 143.7

(2.2) (8.5) (6.5) (1.8) (11.6) (2.2) (5.7) (1.8) (3.2) (3.5) (6.0) (1.6) (3.1) (13.0) (1.4) (8.3) (8.3) (12.6) (1.5) (4.4) (3.1) (7.7) (1.5)


(0.4) (1.3) (1.1) (0.7) (2.0) (0.7) (0.7) (0.4) (0.6) (0.5) (1.1) (0.6) (1.0) (3.0) (0.4) (0.9) (1.8) (0.7) (0.3) (0.6) (0.7) (0.6) (0.5)

20-40% 31.0 47.7 34.1 16.3 52.5 17.6 25.1 30.3 9.8 25.8 23.4 9.8 8.0 74.0 11.3 26.3 39.3 39.0 12.1 18.8 16.3 14.3 41.7

(0.4) (2.1) (1.3) (0.8) (1.9) (0.7) (0.8) (0.7) (1.1) (0.7) (1.7) (0.6) (1.2) (3.8) (0.3) (1.1) (2.5) (0.9) (0.3) (1.9) (0.7) (0.8) (0.8)

40-60% 35.8 55.2 50.0 21.6 56.1 20.8 28.4 36.0 11.4 27.7 29.5 11.9 9.6 81.8 12.4 28.5 51.9 49.0 15.3 19.9 19.1 17.5 47.3

(0.6) (3.4) (1.9) (0.9) (1.7) (0.8) (0.8) (0.6) (1.1) (0.7) (2.0) (0.7) (1.0) (4.3) (0.4) (1.2) (2.5) (1.3) (0.4) (0.8) (1.0) (1.1) (0.7)

60-80% 46.6 63.1 63.9 24.5 69.1 25.3 35.7 43.3 12.6 36.3 36.7 14.6 12.7 96.9 15.1 30.7 61.8 54.7 18.0 26.5 25.1 21.7 55.0

(0.9) (3.0) (2.8) (1.0) (2.5) (1.1) (1.2) (0.6) (1.1) (0.8) (2.5) (0.8) (1.1) (3.9) (0.5) (1.2) (2.6) (1.6) (0.5) (1.2) (1.6) (1.1) (0.7)

80-90% 58.9 72.7 73.8 34.8 86.1 30.4 49.4 56.6 16.0 49.1 44.8 23.4 13.4 139.9 20.0 41.1 70.8 63.3 20.4 32.1 32.9 28.4 65.4

(1.1) (4.7) (3.3) (1.7) (5.1) (1.5) (2.0) (1.0) (1.6) (1.8) (4.3) (1.8) (1.7) (9.7) (0.8) (2.8) (4.8) (2.8) (0.8) (1.4) (2.3) (2.6) (1.3)

90-100% 92.0 105.7 109.4 46.1 139.5 36.5 79.2 85.4 22.2 77.6 72.3 31.6 17.6 190.5 31.8 60.8 97.3 102.3 29.3 57.4 41.4 41.0 105.5

(1.8) (9.2) (4.5) (2.0) (11.7) (2.1) (5.8) (2.0) (2.5) (4.1) (6.7) (2.4) (1.7) (12.4) (1.5) (9.0) (6.9) (13.2) (1.4) (2.5) (3.2) (7.6) (1.8)

Household size 1 25.4 30.3 31.8 10.0 28.8 12.6 20.7 23.4 4.7 19.8 15.3 6.6 5.4 56.1 6.7 16.8 32.8 30.7 7.3 12.7 8.8 8.3 26.7

(0.4) (1.0) (1.1) (0.4) (1.1) (0.5) (1.4) (0.3) (0.4) (0.4) (1.3) (0.3) (0.4) (2.5) (0.3) (2.3) (1.3) (3.2) (0.2) (0.5) (0.6) (0.5) (0.3)

2 46.3 56.7 60.0 22.9 61.9 21.2 34.3 44.8 8.9 35.5 31.5 13.5 11.4 97.6 14.0 26.3 58.4 53.8 14.1 22.1 17.9 16.2 60.2

(0.6) (1.8) (1.7) (0.7) (2.4) (0.5) (1.5) (0.5) (0.6) (0.9) (2.2) (0.6) (0.9) (3.5) (0.3) (1.0) (1.6) (1.1) (0.3) (0.7) (0.6) (0.6) (0.6)

3 51.8 73.0 76.8 33.0 72.7 27.0 38.2 50.3 15.0 42.4 30.1 18.7 15.8 121.8 19.4 37.2 70.0 66.5 19.3 28.7 31.4 25.9 73.5

(1.1) (5.9) (4.5) (1.2) (2.8) (1.1) (1.2) (1.2) (1.1) (1.3) (1.5) (1.0) (1.5) (6.9) (0.5) (1.1) (3.6) (1.9) (0.6) (0.9) (1.2) (3.8) (1.2)

4 58.9 89.8 80.7 41.2 94.6 30.4 46.1 59.6 17.9 46.9 47.2 26.1 21.0 122.6 24.0 47.2 84.6 75.4 21.3 34.9 37.8 27.3 87.4

(1.0) (4.2) (4.2) (1.5) (4.5) (1.3) (1.7) (1.0) (1.0) (1.8) (2.8) (1.8) (2.1) (5.6) (0.9) (4.0) (5.3) (2.9) (0.5) (1.3) (1.2) (1.3) (1.7)

5+ 59.8 85.5 75.1 43.5 108.4 31.0 49.2 55.7 21.7 44.9 49.1 24.8 16.7 118.4 25.9 42.5 87.7 80.7 24.3 41.8 39.7 27.0 90.1 (1.3) (5.8) (4.8) (2.0) (7.3) (1.8) (3.2) (1.4) (2.5) (3.6) (3.1) (1.9) (3.1) (10.4) (1.0) (2.7) (6.9) (4.8) (0.7) (7.3) (2.4) (1.3) (2.1)


(0.5) (2.7) (2.1) (0.5) (1.7) (0.5) (1.0) (0.6) (0.6) (0.6) (1.8) (0.4) (0.7) (3.6) (0.3) (0.7) (5.6) (4.1) (0.3) (0.7) (0.6) (1.2) (0.6)




Renters / other 32.4 34.5 39.7 15.7 44.3 18.6 25.4 27.9 9.8 23.2 21.9 10.8 9.0 63.2 13.1 19.8 37.5 39.9 11.9 17.0 16.0 13.1 31.7

(0.4) (1.2) (1.0) (0.8) (1.8) (0.6) (1.8) (0.4) (0.7) (0.7) (1.5) (0.8) (1.4) (2.6) (0.6) (0.8) (1.4) (0.6) (0.4) (0.6) (0.7) (0.6) (0.5)

Age of RP 16-34 34.0 53.1 37.5 26.8 60.1 16.4 28.1 31.3 12.5 25.3 22.8 17.4 13.1 77.1 16.8 36.7 40.1 39.0 16.4 22.0 19.7 18.6 40.4

(0.7) (2.9) (1.6) (1.3) (2.9) (0.9) (1.4) (0.7) (1.1) (1.3) (2.0) (1.0) (1.8) (4.0) (0.6) (1.0) (2.7) (1.2) (0.5) (1.2) (1.3) (1.0) (0.7)

35-44 46.4 63.7 61.3 34.9 74.3 24.4 36.0 45.2 17.1 32.8 37.8 19.8 14.6 92.8 18.6 39.4 63.1 59.6 21.0 28.5 31.7 21.8 69.4

(0.7) (3.1) (2.0) (1.4) (3.2) (1.4) (1.2) (1.0) (1.5) (1.4) (2.5) (1.3) (1.3) (3.6) (0.5) (3.9) (3.2) (2.2) (0.8) (2.1) (1.9) (1.0) (1.2)

45-54 53.6 72.3 75.1 28.5 84.1 27.1 38.5 48.7 16.1 40.2 38.5 16.9 13.1 109.5 19.7 42.0 64.2 63.2 18.7 30.5 30.5 24.2 70.0

(0.9) (3.8) (2.8) (1.1) (4.9) (1.2) (2.0) (1.0) (1.1) (1.5) (2.0) (1.1) (1.4) (5.2) (0.7) (3.1) (2.9) (1.9) (0.4) (1.1) (1.1) (1.1) (1.3)

55-64 48.2 62.5 60.9 22.0 71.4 25.7 41.4 42.7 12.5 42.5 40.8 15.1 9.9 101.5 14.6 33.3 61.9 59.3 16.3 28.1 22.3 26.1 57.4

(0.9) (3.4) (2.9) (0.9) (3.4) (1.0) (1.8) (0.8) (0.9) (1.6) (3.1) (0.8) (0.9) (6.1) (0.5) (1.7) (2.7) (6.7) (0.4) (1.2) (1.2) (3.6) (1.0)

65-74 37.2 42.1 44.6 13.1 45.9 20.5 33.4 39.2 8.1 33.0 29.3 10.0 7.0 93.7 9.9 18.0 47.7 40.9 11.2 20.3 13.5 12.9 42.9

(0.6) (3.4) (2.0) (0.8) (2.7) (0.7) (1.3) (0.6) (0.8) (0.8) (3.2) (0.8) (0.7) (7.9) (0.4) (0.9) (1.5) (1.1) (0.3) (0.8) (0.8) (0.9) (0.8)

75+ 28.6 34.4 33.8 7.4 32.3 17.1 23.0 33.4 4.6 23.4 16.7 5.6 4.9 67.0 6.6 11.9 48.3 33.1 8.6 14.4 10.1 8.4 29.1

(0.4) (2.1) (1.0) (0.3) (1.4) (0.7) (1.6) (0.6) (0.4) (0.5) (1.4) (0.4) (0.5) (4.4) (0.2) (0.4) (4.6) (1.1) (0.3) (0.6) (0.6) (0.4) (0.6)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by country. Income and net wealth quantiles are quantiles of the euro area sample for the euro area column, and the quantiles in a respective country for the country columns. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: AT1, AT2, AT3, BE1, DE1, DE2, EE6, EE7, ES1, ES2, ES7, FR2, FR4, FR5, FR6, GR1, HR1, HU1, IT1, IT3, IT4, LT2, LV1, LV4, NL1, PL1, PL6, PT1 for information on country-specific issues that may affect the comparability of the figures.


Table I3 Annual gross income per household - distribution EUR thousands


Mean 42.3 56.4 53.1 22.9 65.2 22.5 34.5 40.5 12.2 33.8 32.9 14.3 10.8 93.1 15.0 31.2 54.8 50.4 16.1 24.6 22.3 20.3 51.3

(0.3) (1.2) (0.9) (0.4) (1.5) (0.4) (0.7) (0.4) (0.5) (0.5) (1.0) (0.3) (0.6) (1.9) (0.2) (1.0) (1.0) (1.4) (0.2) (0.6) (0.5) (0.8) (0.1)

p10 10.0 16.7 12.0 4.3 14.2 7.5 9.4 13.5 0.6 9.1 8.0 3.0 0.0 25.3 3.3 7.7 10.2 16.2 4.4 5.7 1.2 5.5 15.0 (0.1) (0.8) (0.6) (0.1) (0.4) (0.4) (0.2) (0.3) (0.3) (0.3) (0.7) (0.1) (0.4) (1.5) (0.1) (0.2) (0.8) (0.4) (0.1) (0.2) (0.3) (0.1) (0.2)

p20 15.2 22.6 19.3 5.3 21.9 10.9 12.8 18.3 2.8 13.6 11.7 3.6 2.6 38.2 4.7 10.4 20.6 22.4 6.5 8.7 5.4 8.6 20.1

(0.1) (0.5) (0.5) (0.2) (0.7) (0.3) (0.3) (0.3) (0.2) (0.2) (0.5) (0.1) (0.7) (1.4) (0.1) (0.4) (0.8) (0.3) (0.1) (0.2) (0.4) (0.3) (0.2)

p30 20.1 28.9 26.0 8.7 28.9 13.0 16.9 22.9 4.5 17.1 15.0 5.6 4.0 48.0 6.3 14.5 29.3 28.1 8.8 11.1 9.0 10.7 26.4

(0.1) (0.9) (0.5) (0.3) (0.5) (0.3) (0.3) (0.3) (0.3) (0.3) (0.7) (0.4) (0.4) (1.3) (0.1) (0.4) (0.8) (0.5) (0.1) (0.2) (0.4) (0.2) (0.3)

p40 25.2 36.4 32.8 11.7 38.0 15.9 20.6 27.1 6.2 20.5 19.5 8.2 5.7 59.0 8.2 19.9 37.0 34.9 11.0 14.3 12.9 13.3 32.8

(0.2) (0.8) (0.5) (0.4) (0.8) (0.4) (0.3) (0.3) (0.3) (0.3) (0.8) (0.4) (0.5) (1.8) (0.2) (0.5) (0.7) (0.5) (0.1) (0.3) (0.4) (0.3) (0.2)

p50 31.0 43.5 40.1 16.3 48.0 19.0 25.3 32.3 8.4 24.6 25.4 10.2 7.1 71.1 10.7 25.4 44.8 41.2 13.5 17.6 16.4 16.0 40.7

(0.2) (1.0) (0.7) (0.4) (0.7) (0.4) (0.5) (0.5) (0.4) (0.3) (1.2) (0.3) (0.3) (2.0) (0.2) (0.9) (0.8) (0.5) (0.2) (0.4) (0.4) (0.4) (0.3)

p60 38.5 53.0 47.8 21.6 60.4 21.9 30.5 39.0 11.2 29.8 31.1 12.8 8.9 85.6 13.8 30.8 53.9 49.0 16.2 21.6 21.7 19.6 49.9

(0.3) (1.3) (0.9) (0.6) (1.1) (0.4) (0.5) (0.4) (0.4) (0.4) (1.0) (0.7) (0.5) (2.2) (0.3) (0.5) (0.8) (0.7) (0.2) (0.4) (0.5) (0.4) (0.3)

p70 47.3 64.6 58.7 28.0 76.0 26.2 37.5 46.5 14.5 37.4 38.7 16.8 12.0 106.3 17.7 38.0 65.7 57.8 19.1 26.6 27.0 22.6 60.9

(0.3) (1.8) (1.0) (0.6) (1.3) (0.6) (0.6) (0.6) (0.5) (0.7) (1.3) (0.4) (0.7) (2.8) (0.3) (1.0) (1.2) (0.9) (0.3) (0.5) (0.5) (0.5) (0.5)

p80 60.1 81.3 73.8 35.5 95.9 31.9 47.1 56.4 18.6 48.3 48.6 21.2 16.8 135.0 22.5 45.3 80.6 69.5 22.9 33.8 35.0 27.7 74.3

(0.4) (2.2) (1.2) (0.9) (1.9) (0.9) (0.9) (0.7) (0.8) (1.0) (1.7) (0.6) (0.9) (3.9) (0.4) (0.8) (1.3) (1.1) (0.3) (0.9) (0.9) (0.7) (0.4)

p90 83.5 109.1 100.6 50.4 127.6 42.2 66.9 73.6 25.9 66.2 63.3 29.7 24.1 177.3 30.1 58.6 103.8 88.2 29.0 48.1 48.2 36.3 96.7

(0.6) (2.9) (2.4) (1.3) (3.8) (1.3) (1.6) (0.7) (1.7) (1.3) (2.7) (1.1) (1.5) (3.9) (0.5) (2.3) (2.1) (2.1) (0.5) (1.3) (1.1) (1.2) (0.7)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by country. See country notes: AT3, BE1, DE1, DE2, EE6, EE7, ES7, FR2, FR4, FR5, FR6, GR1, HR1, HU1, IT1, IT3, IT4, LT2, LV1, LV4, NL1, PL1, PL6, PT1 for information on country-specific issues that may affect the comparability of the figures.


Table J1 Shares of total assets held across the total assets distribution % of total assets


Bottom 20% 0.3 0.2 0.1 0.4 0.2 0.6 0.7 0.3 1.1 0.4 0.2 0.2 2.7 0.3 1.1 1.4 0.3 0.3 1.1 0.5 0.7 2.5 0.2

(0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.4) (0.1) (0.1) (0.2) (0.1) (0.1) (0.1) (0.1) (0.1) (0.2) (0.1)

20-40% 2.8 6.3 1.4 3.6 4.6 6.1 5.5 2.8 6.5 4.8 3.5 3.6 7.3 5.5 5.5 7.4 2.8 1.6 7.2 5.4 6.6 8.6 4.1 (0.1) (0.5) (0.1) (0.3) (0.2) (0.3) (0.2) (0.2) (0.5) (0.3) (0.5) (0.4) (0.6) (0.5) (0.2) (0.4) (0.2) (0.1) (0.2) (0.3) (0.4) (0.4) (0.2)

40-60% 10.2 13.7 7.1 9.2 11.4 13.2 10.7 11.8 12.0 12.9 8.5 9.8 11.0 12.6 10.6 12.2 13.5 7.5 13.0 10.9 12.8 13.9 12.9

(0.1) (0.7) (0.3) (0.6) (0.4) (0.4) (0.3) (0.3) (0.9) (0.3) (0.8) (0.7) (0.8) (0.6) (0.3) (0.7) (0.5) (0.6) (0.3) (0.4) (0.5) (0.6) (0.2)

60-80% 20.5 20.8 20.1 16.4 20.0 22.6 18.6 21.4 19.3 21.6 15.7 18.6 17.9 19.2 18.0 18.8 22.7 19.7 21.6 18.0 20.6 20.5 22.5

(0.2) (1.0) (0.7) (1.0) (0.6) (0.6) (0.4) (0.3) (1.4) (0.4) (1.6) (0.9) (1.1) (0.8) (0.6) (0.9) (0.7) (1.6) (0.4) (0.7) (0.8) (0.7) (0.2)

80-90% 17.4 15.8 18.3 15.0 16.8 18.3 15.7 17.4 15.5 17.4 14.0 16.5 14.2 15.5 15.2 14.2 17.2 16.7 16.8 15.4 16.3 15.9 17.8

(0.2) (0.7) (0.5) (0.9) (0.5) (0.5) (0.4) (0.3) (1.1) (0.3) (1.3) (1.1) (0.7) (0.8) (0.4) (0.8) (0.6) (1.3) (0.3) (0.5) (0.6) (0.7) (0.2)

90-100% 48.9 43.2 53.0 55.5 47.1 39.3 48.9 46.3 45.7 42.9 58.0 51.3 46.9 46.8 49.6 46.1 43.5 54.2 40.4 49.7 43.0 38.7 42.5

(0.5) (2.5) (1.4) (2.7) (1.4) (1.2) (1.1) (0.8) (3.7) (1.0) (3.7) (2.3) (2.9) (2.2) (1.4) (2.5) (1.7) (3.5) (1.0) (1.7) (2.1) (2.0) (0.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits - sight and saving accounts, mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). See country notes: AT1, AT2, BE2, EE1, EE2, EE3, ES1, ES2, FI1, FI2, FI3, FI4, FI6, FI7, FI9, FR1, FR6, GR2, HU4, LV2, LV6, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table J2 Total assets per household - distribution EUR thousands


Mean 259.4 411.6 262.4 122.6 426.5 101.3 292.5 274.8 110.7 224.8 569.7 48.5 89.4 1002.7 75.7 422.6 278.2 269.0 101.5 186.4 150.8 112.8 251.5

(3.2) (21.5) (9.2) (8.5) (12.5) (3.7) (7.4) (5.3) (8.7) (5.5) (58.7) (2.9) (5.8) (47.6) (2.5) (29.0) (9.7) (22.2) (2.2) (7.2) (7.2) (4.9) (2.3)

p10 2.5 3.1 1.2 1.4 3.0 1.6 4.8 4.0 4.2 3.1 4.2 0.1 12.1 11.5 3.2 11.5 3.5 3.2 2.5 2.1 3.3 14.0 1.5 (0.1) (0.6) (0.2) (0.3) (0.5) (0.3) (0.8) (0.3) (1.1) (0.3) (1.1) (0.1) (1.9) (2.3) (0.3) (2.1) (0.5) (0.3) (0.4) (0.5) (0.7) (2.4) (0.1)

p20 10.9 21.3 6.0 9.1 18.6 12.7 41.7 11.2 19.5 12.0 20.9 2.7 24.4 65.0 12.9 91.6 12.2 9.9 21.4 19.7 18.6 31.9 8.0

(0.4) (7.2) (0.4) (1.2) (2.7) (1.5) (3.4) (0.7) (2.3) (0.9) (8.9) (1.0) (2.1) (12.7) (0.8) (9.0) (1.0) (0.6) (1.4) (2.2) (3.4) (1.7) (0.8)

p30 32.4 139.8 15.6 21.3 101.1 30.9 79.8 30.3 35.5 51.5 103.9 8.8 31.7 289.6 20.5 152.1 31.7 20.0 36.5 52.1 50.6 49.4 49.5

(0.9) (11.5) (0.8) (1.7) (2.7) (1.5) (2.9) (2.5) (2.8) (4.7) (12.9) (1.3) (1.9) (36.8) (1.0) (8.0) (1.8) (1.0) (0.9) (1.9) (3.0) (2.0) (3.4)

p40 77.4 217.8 38.1 37.9 176.0 49.9 116.1 95.4 50.9 104.0 175.1 15.0 40.2 502.1 30.0 206.6 101.8 40.2 50.4 77.1 75.4 62.0 112.2

(1.9) (9.8) (2.5) (2.4) (5.4) (2.4) (3.0) (5.9) (1.5) (3.1) (14.2) (1.5) (1.5) (22.7) (1.0) (6.1) (9.0) (2.2) (1.1) (2.6) (2.6) (1.8) (3.4)

p50 131.3 279.9 86.5 57.3 241.1 65.0 156.4 162.9 66.9 144.5 242.1 23.6 49.5 634.0 39.7 252.8 195.2 97.2 65.8 100.8 97.4 78.0 160.5

(1.7) (10.4) (3.7) (2.1) (6.4) (2.9) (3.6) (4.9) (2.9) (4.0) (14.4) (2.1) (2.1) (16.5) (1.0) (6.9) (4.0) (4.9) (1.3) (2.0) (3.1) (2.3) (2.9)

p60 191.4 343.1 167.1 76.2 313.7 86.7 200.8 220.6 83.0 188.0 311.0 34.3 61.5 760.6 50.8 320.0 250.0 178.2 84.8 127.5 120.1 94.2 214.7

(1.8) (9.5) (6.1) (2.3) (5.5) (3.5) (4.4) (4.1) (3.2) (2.9) (18.8) (2.3) (2.8) (17.5) (1.1) (8.4) (4.7) (6.6) (1.7) (3.2) (3.6) (2.4) (3.0)

p70 260.8 421.5 260.4 98.8 416.3 110.2 266.6 288.6 103.5 238.0 437.2 44.1 80.3 938.9 66.6 388.3 310.2 261.1 107.9 163.2 152.0 112.5 278.6

(2.1) (9.3) (7.1) (3.1) (9.3) (4.7) (5.1) (4.8) (3.7) (5.0) (29.1) (2.2) (2.9) (30.6) (1.1) (11.0) (5.2) (6.7) (2.1) (3.9) (4.2) (3.0) (2.9)

p80 361.4 543.0 380.0 138.6 581.8 152.6 364.1 390.7 140.1 318.8 620.9 59.8 103.3 1250.5 91.8 488.5 401.7 364.9 140.9 227.2 202.6 147.1 371.4

(3.8) (14.3) (11.4) (6.3) (19.1) (5.1) (8.4) (6.9) (7.2) (5.5) (39.9) (3.9) (4.0) (45.9) (2.1) (16.6) (9.1) (12.3) (3.2) (6.4) (5.3) (6.3) (4.3)

p90 571.5 794.8 621.3 247.9 912.7 232.8 582.8 605.6 208.7 499.8 1065.8 108.1 159.2 2009.8 147.2 718.5 590.0 550.2 204.8 363.3 304.3 221.1 552.5

(7.4) (33.5) (17.9) (13.6) (37.4) (12.5) (18.6) (13.0) (12.3) (12.5) (127.6) (10.3) (13.2) (91.1) (4.0) (46.4) (23.0) (15.8) (5.7) (11.7) (12.6) (12.4) (7.0)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits - sight and saving accounts, mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). See country notes: AT1, AT2, BE2, EE1, EE2, EE3, ES1, ES2, FI1, FI2, FI3, FI4, FI6, FI7, FI9, FR1, FR6, GR2, HU4, LV2, LV6, NL1, NL2, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table J3 Net wealth per household - distribution EUR thousands


Mean 229.2 366.2 232.8 111.9 367.8 93.9 258.6 242.0 106.6 214.3 499.7 43.0 84.3 897.9 71.8 400.7 186.0 250.3 95.5 162.3 144.3 103.5 206.6

(3.1) (21.4) (8.7) (8.4) (11.5) (3.8) (7.1) (5.1) (8.7) (5.1) (56.7) (2.7) (5.8) (46.9) (2.5) (28.8) (9.7) (22.7) (2.1) (7.2) (7.2) (4.9) (2.2)

p10 1.0 1.9 0.1 0.4 1.1 1.0 0.8 2.7 2.6 2.7 1.1 < 0.1 10.9 7.1 1.6 11.0 < 0.1 2.0 1.8 0.9 1.9 7.7 < 0.1 (0.1) (0.6) (0.1) (0.3) (0.3) (0.2) (0.3) (0.2) (1.1) (0.3) (0.8) (0.1) (1.7) (1.5) (0.4) (1.6) (0.3) (0.3) (0.3) (0.2) (0.4) (1.3) (0.1)

p20 7.5 16.2 3.0 6.3 11.2 7.8 17.3 9.1 15.8 11.6 11.5 2.0 20.0 46.8 9.7 71.9 5.1 8.4 17.3 11.1 15.0 24.6 4.0

(0.3) (4.5) (0.4) (1.0) (1.6) (1.3) (2.6) (0.6) (2.4) (0.8) (3.6) (0.7) (1.8) (11.1) (0.4) (6.8) (0.9) (0.5) (1.3) (1.3) (2.9) (1.6) (0.3)

p30 23.9 79.7 11.8 17.4 59.3 24.6 51.8 23.6 32.0 44.0 51.2 7.4 28.5 155.5 17.2 132.0 15.3 17.9 32.6 32.9 46.6 39.9 22.6

(0.9) (8.7) (1.2) (1.9) (4.0) (1.9) (2.6) (1.6) (2.5) (4.4) (10.2) (1.1) (1.7) (19.8) (0.9) (4.7) (1.4) (0.9) (1.0) (2.8) (2.6) (2.0) (1.7)

p40 56.6 141.3 31.2 31.4 120.2 42.9 83.7 60.8 47.8 93.6 117.2 12.8 37.5 344.9 26.0 176.8 32.0 35.4 46.0 54.0 70.4 54.1 61.7

(1.3) (8.6) (1.7) (1.6) (4.1) (2.2) (2.6) (4.7) (2.3) (3.7) (13.4) (1.5) (2.2) (22.1) (0.6) (6.6) (1.8) (2.0) (1.0) (1.8) (3.1) (1.8) (2.4)

p50 99.4 212.5 70.8 47.7 185.0 60.0 119.1 117.6 61.5 132.3 195.9 20.5 45.9 498.5 35.9 236.1 67.4 82.7 60.5 74.8 91.6 70.3 107.2

(1.4) (9.4) (3.4) (2.1) (6.2) (2.4) (3.0) (5.3) (3.2) (3.0) (15.7) (1.5) (2.0) (23.4) (1.1) (6.4) (4.1) (3.9) (1.4) (2.3) (3.1) (2.7) (3.3)

p60 153.4 290.0 130.6 64.9 254.4 80.2 165.3 177.9 80.3 177.0 258.5 29.5 57.4 657.8 48.0 298.8 116.2 154.2 79.4 100.3 113.8 86.8 159.5

(1.7) (10.9) (7.1) (2.3) (6.0) (3.5) (5.4) (4.8) (2.6) (4.0) (14.4) (2.0) (2.6) (22.2) (0.8) (9.5) (6.3) (5.1) (1.9) (2.8) (3.5) (2.6) (3.1)

p70 218.8 363.6 215.5 85.4 343.1 102.8 228.4 247.1 100.4 227.2 353.8 40.0 73.3 838.7 63.1 365.8 179.4 236.6 102.4 136.6 145.6 104.8 222.2

(2.3) (11.0) (6.6) (2.5) (11.0) (3.7) (6.8) (6.2) (3.3) (4.2) (31.7) (1.8) (3.3) (25.7) (1.3) (11.5) (5.3) (5.4) (1.9) (4.0) (4.4) (2.8) (3.6)

p80 318.6 492.8 334.6 119.0 506.2 145.4 323.8 349.4 135.4 307.1 524.6 52.2 99.7 1118.2 86.5 485.9 268.5 325.9 133.5 194.3 194.8 135.7 314.8

(3.4) (18.5) (11.4) (4.1) (14.5) (6.4) (8.7) (7.0) (6.8) (5.3) (43.5) (3.1) (4.5) (42.5) (2.0) (15.9) (8.8) (7.9) (2.7) (6.4) (6.4) (5.3) (4.2)

p90 525.0 762.0 555.8 222.5 852.3 221.6 547.7 552.7 205.3 479.0 933.6 94.0 152.7 1855.6 143.1 705.9 443.8 524.8 194.2 325.1 289.7 200.6 485.3

(6.3) (35.9) (17.8) (11.7) (32.4) (12.7) (14.8) (11.3) (11.9) (11.5) (130.5) (8.1) (9.9) (118.8) (4.1) (38.9) (18.8) (17.5) (4.6) (10.8) (12.4) (11.2) (8.5)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. Net wealth is the difference between total household assets and total household liabilities. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits (sight and saving accounts), mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabilities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bill ing period) - unless otherwise specified for a given country (see country notes below for more detail). See country notes: AT1, AT2, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV2, LV3, LV4, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table J4 Net wealth inequality indicators


Share indicators (%) Top 5% share 38.1 35 40.8 45.4 35.5 27 39.8 35.5 35.1 30 49.3 38.7 36 38 39.4 37 42 43.1 29.6 41.6 32.2 29.1 32.9

(0.6) (2.9) (1.6) (3.5) (1.5) (1.3) (1.3) (0.9) (4.4) (1.0) (4.2) (2.7) (3.3) (2.7) (1.7) (2.6) (2.5) (4.5) (1.0) (2.2) (2.3) (2.3) (0.6)

Top 10% share 51.9 47.2 55.4 58.1 50 41.3 52.7 49.2 46.6 43.4 62.1 52.1 47.9 50.2 51.4 47.7 56.6 56.4 41.3 53.9 44 40.6 46.8 (0.5) (2.6) (1.4) (2.8) (1.3) (1.3) (1.1) (0.8) (3.8) (1.0) (3.6) (2.5) (3.0) (2.3) (1.5) (2.5) (2.0) (3.6) (1.0) (1.8) (2.1) (2.1) (0.6)

50-90% share 42.8 43.6 42 35.1 43 48.7 39.6 45 41.6 46.7 33.1 40.8 38.4 41.1 38.9 39.7 42.9 40 45.6 38 44 44.2 47.2

(0.5) (2.1) (1.3) (2.3) (1.1) (1.0) (0.9) (0.7) (2.9) (0.8) (3.1) (2.1) (2.1) (1.9) (1.2) (1.9) (2.0) (3.3) (0.7) (1.5) (1.7) (1.6) (0.5)

Quantile ratio indicators p90/p50 ratio 5.3 3.6 7.9 4.7 4.6 3.7 4.6 4.7 3.3 3.6 4.8 4.6 3.3 3.7 4 3 6.6 6.3 3.2 4.3 3.2 2.9 4.5

(0.1) (0.2) (0.4) (0.3) (0.2) (0.2) (0.2) (0.2) (0.2) (0.1) (0.7) (0.4) (0.2) (0.3) (0.1) (0.2) (0.5) (0.4) (0.1) (0.2) (0.1) (0.2) (0.2)

p80/p20 ratio 42.4 30.5 113 18.5 45.4 18.8 18.7 38.3 8.6 26.5 45.9 26.1 5 24 8.9 6.8 53.3 38.6 7.7 17.5 13 5.5 78.8

(1.7) (6.8) (15.0) (2.9) (5.9) (3.1) (2.8) (2.4) (1.3) (2.0) (13.2) (11.7) (0.4) (5.7) (0.4) (0.7) (9.4) (2.5) (0.6) (2.1) (2.3) (0.4) (7.1)

Inequality measures Gini coefficient 0.695 0.632 0.739 0.709 0.67 0.602 0.678 0.674 0.606 0.606 0.749 0.679 0.589 0.652 0.65 0.602 0.782 0.73 0.567 0.679 0.594 0.54 0.662

(0.004) (0.018) (0.009) (0.019) (0.010) (0.014) (0.008) (0.007) (0.028) (0.007) (0.023) (0.018) (0.024) (0.017) (0.011) (0.018) (0.016) (0.021) (0.008) (0.013) (0.016) (0.017) (0.004)

Atkinson (e=1) 0.726 0.695 0.786 0.743 0.721 0.636 0.671 0.723 0.56 0.646 0.751 0.71 0.498 0.709 0.589 0.59 0.728 0.758 0.534 0.7 0.611 0.455 0.689

(0.004) (0.021) (0.009) (0.020) (0.014) (0.019) (0.011) (0.007) (0.032) (0.008) (0.028) (0.027) (0.033) (0.018) (0.013) (0.020) (0.014) (0.020) (0.010) (0.016) (0.019) (0.021) (0.007)

Theil index 0.959 0.786 1.023 1.16 0.836 0.58 1.027 0.942 0.808 0.68 1.171 0.907 0.709 1.048 0.915 0.794 1.002 1.202 0.623 1.068 0.708 0.56 0.746

(0.020) (0.069) (0.040) (0.134) (0.047) (0.026) (0.063) (0.032) (0.150) (0.024) (0.130) (0.072) (0.076) (0.125) (0.063) (0.057) (0.081) (0.240) (0.022) (0.090) (0.068) (0.059) (0.017)

Pietra index 0.512 0.452 0.558 0.525 0.491 0.432 0.497 0.494 0.432 0.435 0.56 0.493 0.428 0.467 0.472 0.429 0.568 0.54 0.403 0.498 0.42 0.38 0.484

(0.003) (0.014) (0.007) (0.018) (0.007) (0.010) (0.007) (0.005) (0.022) (0.005) (0.024) (0.016) (0.021) (0.014) (0.009) (0.018) (0.010) (0.016) (0.006) (0.011) (0.012) (0.013) (0.004)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. A higher value of the indicator indicates higher concentration of wealth. The indicators are scale invariant, i.e., the indicator remains unchanged by scaling the wealth distribution by a constant factor. The quantile ratio indicators are defined as the ratio of the corresponding percentiles of the distribution of net wealth. The percentiles of the distribution are available in table J3. The Gini coefficient corresponds to the normalised area between the Lorenz curve of the distribution and the 45 degrees line. The Pietra index corresponds to the maximum vertical distance between the Lorenz curve of the distribution and the 45 degrees line. The Lorenz curve shows the proportion of total wealth belonging to the bottom x % of the population. The Pietra index, also known as the Ricci index, the Schutz index or the Hoover index is equal to half the relative absolute mean deviation. The Gini coefficient and the Pietra index are bounded below by zero. They are bounded above by one in the case of non-negative values. The Atkinson index is defined as 1 minus the ratio of the equally distributed equivalent level of wealth to the mean of the actual wealth distribution. The Atkinson index lies between zero and one. The Theil index is a special case of the Generalised Entropy (GE) family of indexes. It corresponds to the index GE with parameter a = 1, and lies between zero and infinity. The Atkinson index and the Theil index are not applicable to variables with zero or negative values. Hence, observations with non-positive values have been dropped from the calculations for these indicators. The proportions of households having negative net wealth are available in table F3. These proportions are high for DE, IE, NL and FI. See country notes: AT1, AT2, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV2, LV3, LV4, LV5, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table K1 Middle quintile net wealth households - selected characteristics % of households


DA1110i Has HMR 79.1 89.1 39.5 90.6 94.3 91.2 92.7 78.8 99.0 95.2 91.7 93.6 98.9 92.5 94.7 94.4 58.3 42.5 94.9 91.8 94.0 98.3 88.9

(0.8) (2.3) (2.3) (1.8) (1.1) (1.6) (1.4) (2.0) (0.9) (0.9) (3.4) (2.5) (0.8) (2.0) (1.0) (1.3) (3.3) (2.4) (0.9) (1.4) (1.2) (1.0) (1.0)

DA1120i Has other real estate property 22.5 11.5 15.0 29.7 10.8 30.4 43.5 17.8 15.0 14.8 42.6 31.9 16.7 20.2 15.9 33.5 2.6 13.1 21.8 23.6 22.8 25.7 28.0 (0.7) (2.1) (2.2) (2.7) (1.7) (3.2) (2.3) (1.1) (2.7) (1.3) (5.9) (3.9) (3.9) (3.0) (1.4) (2.9) (1.0) (1.6) (1.9) (2.5) (2.3) (3.2) (1.4)

DA1130i Has vehicles 80.4 85.2 86.2 45.9 81.0 73.6 75.7 83.1 64.6 77.6 90.5 45.8 60.2 88.9 54.9 87.9 81.8 86.1 67.4 80.2 82.8 66.3 78.8

(0.6) (2.7) (1.8) (2.7) (1.7) (2.8) (2.0) (1.2) (4.0) (1.3) (3.8) (4.4) (4.4) (2.8) (2.1) (2.0) (2.3) (1.6) (1.9) (1.9) (2.2) (3.2) (1.3)

DA1140i Has self-employment business wealth 8.7 7.8 7.5 6.3 9.9 12.5 7.5 8.4 1.3 10.7 11.3 8.6 1.2 4.7 7.8 5.5 2.1 3.8 12.3 10.9 9.9 10.6 5.7

(0.5) (1.9) (1.3) (1.4) (1.4) (2.3) (1.3) (0.8) (1.2) (1.3) (3.2) (3.4) (1.1) (1.4) (1.0) (1.2) (0.9) (1.0) (1.4) (1.6) (1.5) (2.7) (0.6)

DA2101i Has deposits 97.9 98.0 99.8 99.7 95.7 92.2 99.9 99.9 75.9 94.7 77.7 90.1 91.0 99.3 83.6 97.7 99.8 99.8 87.2 97.9 95.7 94.0 100.0

(0.2) (1.3) (0.3) (0.2) (0.9) (1.7) (0.1) (0.1) (3.6) (1.0) (5.4) (2.7) (2.2) (0.5) (1.9) (1.0) (0.3) (0.1) (1.2) (0.7) (1.6) (1.6) (0.1)

DA2102i Has mutual funds 7.7 16.7 16.4 2.2 1.2 0.0 3.6 7.3 1.2 3.4 0.1 0.0 1.1 5.5 1.2 8.5 10.3 7.5 2.9 1.5 3.3 4.1 29.0

(0.5) (2.7) (1.8) (0.8) (0.4) (0.1) (0.9) (0.7) (0.8) (0.8) (0.1) (0.1) (0.7) (1.4) (0.4) (1.5) (1.8) (1.2) (0.7) (0.7) (0.9) (1.6) (1.1)

DA2103i Has bonds 2.0 2.2 2.3 0.2 5.1 0.0 0.3 0.9 0.8 6.5 1.8 0.3 < 0.1 1.1 3.5 23.4 0.6 3.8 0.9 1.3 0.4 0.1 0.6

(0.2) (0.9) (0.6) (0.4) (1.0) (0.1) (0.2) (0.4) (0.6) (0.9) (1.6) (0.3) (0.1) (1.1) (0.7) (2.5) (0.4) (0.8) (0.4) (0.6) (0.4) (0.3) (0.3)

DA2105i Has shares (publicly traded) 5.8 6.6 8.7 4.3 5.0 1.3 7.2 7.9 2.4 1.1 16.7 0.8 0.2 5.8 0.2 12.3 3.4 4.9 2.2 1.7 2.7 1.0 15.5

(0.4) (1.7) (1.3) (1.1) (0.8) (1.6) (1.3) (0.7) (1.4) (0.5) (3.8) (0.8) (0.3) (1.6) (0.1) (2.2) (1.0) (1.0) (0.7) (0.6) (0.8) (0.8) (1.1)

DA2107i Has money owed to household 7.0 4.2 13.5 8.0 0.9 0.6 12.1 4.4 3.0 0.3 4.8 3.2 6.5 6.5 4.2 1.7 6.7 7.2 2.6 6.7 3.0 3.8 M

(0.5) (1.4) (1.7) (1.5) (0.4) (0.9) (1.4) (0.5) (1.6) (0.2) (2.3) (1.3) (1.9) (1.8) (0.7) (0.7) (1.5) (1.2) (0.7) (1.3) (0.9) (1.3)

DA2109i Has voluntary pensions/whole life insurance 26.5 48.5 52.9 17.5 12.0 0.0 22.6 36.0 6.0 7.4 25.4 22.7 6.2 19.0 5.4 22.6 31.9 15.0 38.8 12.2 16.6 14.0 28.1

(0.8) (3.5) (2.3) (2.0) (1.7) (0.1) (1.9) (1.4) (2.0) (1.1) (4.6) (3.7) (2.0) (2.8) (0.9) (2.8) (3.1) (1.6) (2.0) (1.7) (2.1) (2.7) (1.3)

DA2199i Has other types of financial assets 6.1 2.6 17.3 2.8 1.8 0.9 1.9 7.3 0.3 1.7 1.7 0.0 0.6 4.1 0.2 3.2 1.4 2.0 1.4 0.4 0.7 0.1 16.5

(0.5) (0.9) (1.9) (0.9) (0.5) (0.7) (0.5) (0.7) (0.3) (0.5) (2.0) (0.1) (0.5) (1.5) (0.2) (1.1) (0.7) (0.5) (0.5) (0.3) (0.4) (0.3) (1.1)

DL1000i Has debt 44.9 59.8 42.5 51.8 54.4 17.2 54.0 54.6 41.5 23.2 65.2 34.6 22.9 58.6 29.6 32.7 61.4 28.1 36.3 50.3 30.0 31.2 62.5

(0.8) (3.4) (2.6) (2.8) (2.0) (2.6) (2.1) (1.4) (4.8) (1.7) (6.3) (4.3) (3.2) (3.6) (2.0) (3.0) (2.7) (2.2) (1.9) (2.5) (2.9) (3.7) (1.4)

DL1100i Has mortgage debt 32.3 50.2 22.4 25.8 37.7 10.7 40.7 40.2 11.5 11.9 45.2 13.8 5.9 39.9 17.2 18.7 56.2 17.1 13.5 41.7 9.9 17.0 49.4

(0.8) (3.5) (2.1) (2.3) (2.2) (2.1) (2.3) (1.3) (2.6) (1.4) (5.8) (3.6) (1.9) (3.6) (1.4) (2.6) (3.0) (1.9) (1.3) (2.4) (1.9) (3.2) (1.4)

DL1110i Has HMR mortgage 30.2 48.8 20.3 23.5 35.7 9.9 36.6 37.2 11.5 11.4 36.6 12.7 5.5 38.3 16.1 17.0 55.3 15.5 12.5 40.0 9.6 16.2 47.2

(0.7) (3.6) (1.9) (2.2) (2.2) (2.1) (2.2) (1.3) (2.6) (1.4) (5.4) (3.6) (1.7) (3.5) (1.4) (2.4) (3.2) (1.8) (1.3) (2.4) (1.8) (3.3) (1.4)

DL1120i Has other property mortgage 3.4 4.4 3.4 2.6 4.8 0.8 8.0 4.7 0.0 0.9 12.6 1.3 0.8 3.8 1.3 1.8 1.3 1.8 1.3 2.8 0.8 1.3 4.2

(0.3) (1.4) (0.9) (1.0) (1.0) (0.5) (1.3) (0.5) (0.1) (0.5) (3.5) (0.6) (0.6) (1.2) (0.5) (1.0) (0.8) (0.6) (0.5) (0.9) (0.6) (1.0) (0.6)

DL1200i Has non-mortgage debt 25.6 29.0 32.4 43.5 39.2 7.4 31.0 30.7 34.7 14.8 40.7 31.5 18.5 38.2 18.4 23.7 14.7 16.8 28.2 22.9 23.2 17.9 44.6

(0.7) (3.0) (2.3) (2.8) (2.0) (2.0) (2.1) (1.2) (4.7) (1.4) (5.2) (4.4) (2.7) (3.6) (1.6) (2.7) (2.2) (1.9) (1.9) (2.1) (2.6) (2.9) (1.4)

DOABLETOSAVE Regular expenses less than income 40.3 59.4 51.4 33.3 40.4 17.5 M 45.3 19.5 30.1 16.4 15.9 29.7 62.1 24.3 50.4 47.9 45.2 28.0 26.6 32.0 27.2 M

(1.0) (4.0) (2.8) (2.7) (2.2) (2.5) (1.4) (3.1) (2.0) (4.0) (3.1) (4.3) (3.6) (1.8) (3.2) (2.8) (2.5) (1.8) (2.3) (3.1) (3.2)

DOCREDITC Credit constrained household M 2.8 5.0 8.9 6.9 3.8 M 8.0 9.0 M 4.1 7.1 9.4 5.1 3.9 0.9 2.6 2.1 4.3 4.7 9.9 5.0 4.4

(1.2) (1.2) (1.7) (1.2) (1.8) (0.8) (2.5) (2.2) (2.9) (2.4) (1.6) (0.7) (0.8) (1.0) (0.7) (0.9) (1.0) (1.6) (1.6) (0.6)


Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table presents selected characteristics of the middle quintile (40%-60%) net wealth households. Net wealth middle quantile is the middle quinti le of the euro area countries sample for the euro area column, the middle quantile in a respective country for the country columns. Other financial assets item includes private non-self-employment businesses, assets in managed accounts and other types of financial assets. Mortgage debt includes mortgages collateralised on household's main residence and mortgages collateralised on other real estate property owned by the household. Non-mortgage debt includes non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the bil ling period) - unless otherwise specified for a given country (see country notes below for more detail). A credit-constrained household is defined as a household to which one or more of the following situations apply: (i) applied for credit within the last 3 years and was turned down, and did not report successful later reapplication, (i i) applied for credit but were not given as much as they applied for, or (i i i) did not apply for credit due to a perceived credit constraint. Households with missing information on applying for credit or on not applying for credit due to a perceived credit constraint are excluded from the calculation of the credit constrained indicator. The ability to save indicator is based on the regular expenses less than income indicator question asking on the balance of expenses and income over the last 12 months (response code expenses less than income). This question is not asked in Finland. See country notes: AT1, AT2, BE2, EE1, EE2, EE3, EE4, EE5, ES1, ES2, ES5, ES6, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR3, FR6, GR2, GR3, HU3, HU4, IT2, LT1, LV2, LV3, LV4, LV6, NL1, NL2, PL2, PL4, PL5, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table K2 Middle quintile net wealth households - medians EUR thousands


DA3001 Total assets 118.4 257.0 81.2 53.7 216.7 60.9 137.2 148.7 65.0 137.8 227.3 21.7 47.0 593.3 38.1 243.4 148.9 91.4 63.2 89.3 95.1 72.9 142.9

(1.7) (8.4) (5.2) (2.4) (4.4) (2.3) (4.5) (4.0) (3.1) (3.7) (14.4) (2.0) (2.2) (21.3) (0.9) (5.9) (16.6) (5.3) (1.5) (2.8) (3.4) (2.2) (2.8)

DA1000 Total real assets 102.9 220.7 41.1 50.0 203.9 59.0 122.0 133.0 63.1 127.5 211.3 20.5 44.9 541.0 34.4 200.0 151.0 62.1 57.2 82.2 90.2 69.2 126.4 (1.3) (10.7) (5.1) (2.0) (3.2) (2.6) (2.8) (3.8) (3.1) (2.9) (13.5) (2.0) (2.1) (19.3) (1.3) (6.8) (12.3) (6.9) (1.3) (2.0) (3.3) (3.0) (2.4)


(0.3) (3.7) (2.0) (0.5) (0.6) (0.2) (1.1) (0.8) (0.2) (0.5) (3.4) (0.2) (0.3) (3.8) (0.2) (3.2) (1.9) (1.3) (0.4) (0.7) (0.2) (0.4) (0.5)


(2.7) (12.8) (7.1) (2.5) (9.8) (6.1) (4.5) (4.9) (0.5) (7.1) (9.9) (2.5) (1.0) (21.3) (0.7) (12.9) (7.7) (9.2) (0.5) (3.1) (1.7) (4.3) (4.0)

DL1100 Outstanding balance of mortgage debt 78.0 95.8 79.6 27.1 102.4 29.5 52.2 86.0 11.8 62.0 71.8 22.1 N 215.7 9.7 85.0 160.6 68.0 23.5 40.7 33.3 28.8 78.3

(2.3) (12.7) (8.2) (4.7) (7.9) (8.8) (4.9) (3.7) (7.2) (7.9) (14.3) (7.0) (20.8) (1.1) (15.2) (6.7) (12.5) (2.9) (4.3) (6.0) (6.1) (3.4)

DL1200 Outstanding balance of non-mortgage debt 5.3 7.9 5.3 1.4 5.8 N 5.5 7.5 1.7 4.3 4.9 1.0 0.6 15.9 1.0 3.8 4.9 2.9 0.5 3.7 1.8 1.9 9.0

(0.4) (1.3) (0.7) (0.3) (0.7) (0.9) (0.4) (0.5) (1.0) (1.5) (0.8) (0.4) (3.5) (0.1) (0.7) (1.6) (0.8) (0.1) (0.9) (0.4) (0.8) (0.4)

DN3001 Net wealth 99.4 212.6 71.1 47.7 185.2 60.1 119.1 117.9 61.7 132.3 196.4 20.5 46.1 498.8 35.9 236.1 67.5 82.9 60.5 74.8 91.7 70.3 107.4

(1.4) (9.4) (3.5) (2.1) (6.2) (2.4) (3.0) (5.3) (3.3) (3.0) (15.1) (1.5) (2.1) (23.5) (1.0) (6.3) (4.1) (3.9) (1.4) (2.3) (3.2) (2.7) (3.3)

DI2000 Total household gross income 28.8 47.6 44.3 17.0 45.1 17.7 23.6 31.6 7.9 23.0 27.1 9.8 7.1 69.1 9.6 25.2 45.9 44.4 13.7 16.9 15.9 14.3 42.0

(0.5) (3.6) (1.6) (1.5) (1.9) (0.8) (0.8) (0.8) (0.8) (0.7) (3.2) (0.7) (0.7) (4.1) (0.4) (2.1) (1.7) (1.7) (0.8) (0.8) (1.1) (0.7) (1.0)

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. Preliminary standard errors for France (see endnote FR6). See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table presents selected characteristics of the middle quintile (40%-60%) net wealth households. Net wealth middle quantile is the middle quinti le of the euro area countries sample for the euro area column, the middle quantile in a respective country for the country columns. Total assets include real assets (the value of the household main residence for homeowners, other real estate property, vehicles, valuables such as jewellery, works of art, antiques, etc. and value of self-employment businesses) and financial assets (deposits - sight and saving accounts, mutual funds, bonds, shares, money owed to the households, value of voluntary pension plans and whole life insurance policies of household members and other financial assets item - which includes private non-self-employment businesses, assets in managed accounts and other types of financial assets). Total l iabil ities include mortgages collateralised on household's main residence, mortgages collateralised on other real estate property owned by the household, non-mortgage loans (consumer credit loans, private loans and other loans not collateralised on household's real estate property), credit l ines/bank overdrafts debt and credit card debt (outstanding amount on which interest is paid at the end of the billing period) - unless otherwise specified for a given country (see country notes below for more detail). Net wealth is the difference between total household assets and total household liabilities. Total gross household income is calculated as the sum of the employee income, self-employment income, income from public pensions, income from private and occupational pensions and income from unemployment benefits (items collected for households members aged 16+) and income from social transfers other than unemployment benefits, regular private transfers (such as alimonies), rental income from real estate property, income from financial investments, income from private business or partnership and regular income from other sources (items collected at the household level). The income reference year varies by country. See country notes: AT1, AT2, AT3, BE1, BE2, DE1, DE2, EE1, EE2, EE3, EE4, EE5, EE6, EE7, ES1, ES2, ES7, FI1, FI2, FI3, FI4, FI5, FI6, FI7, FI8, FI9, FR1, FR2, FR3, FR4, FR5, FR6, GR1, GR2, GR3, HR1, HU1, HU3, HU4, IT1, IT2, IT3, IT4, LT1, LT2, LV2, LV3, LV4, LV6, NL1, NL2, PL1, PL2, PL4, PL5, PL6, PT1, PT2 for information on country-specific issues that may affect the comparability of the figures.


Table X1 Context table on population structures % of households



Household size 1 34.6 34.7 40.6 39.1 27.2 25.7 25.5 35.3 24.6 33.7 20.8 34.5 40.5 33.3 29.5 24.6 38.0 37.0 24.0 22.4 32.7 17.7 41.7

2 31.6 31.5 34.2 27.2 29.5 29.5 30.4 32.7 27.0 26.7 30.9 30.6 30.6 27.4 32.0 29.0 33.4 35.1 25.7 32.4 25.4 29.7 34.6 3 15.4 11.8 12.4 15.8 15.8 20.1 21.8 13.6 18.3 17.6 18.2 15.5 14.8 15.9 18.4 21.6 11.0 12.7 20.1 24.4 18.6 21.7 10.4

4 12.9 14.3 9.0 12.3 15.9 19.3 16.6 12.5 18.1 16.0 17.5 12.7 10.0 15.0 12.7 18.4 11.3 9.6 16.3 15.9 9.9 19.3 8.9

5+ 5.5 7.7 3.8 5.6 11.6 5.4 5.7 6.0 12.0 6.0 12.6 6.8 4.1 8.4 7.4 6.4 6.3 5.6 13.9 4.8 13.4 11.6 4.4 Housing status Owners - outright 39.8 34.8 26.6 57.2 43.8 62.6 47.6 36.6 76.7 60.0 37.7 61.2 82.8 42.2 68.2 63.5 10.1 30.4 66.0 42.7 68.0 69.2 34.0

Owners - with mortgage 20.5 34.5 17.3 18.1 25.8 9.4 28.3 21.3 8.7 8.5 30.5 11.5 10.4 26.8 15.8 17.8 47.4 15.6 13.3 31.8 8.2 19.6 32.3

Renters / other 39.7 30.7 56.1 24.7 30.5 28.0 24.1 42.2 14.7 31.6 31.8 27.3 6.8 31.0 16.0 18.6 42.5 54.1 20.7 25.5 23.7 11.2 33.7

Percentile of EA Income I 20.0 8.3 14.5 47.3 11.9 38.4 25.8 13.5 . 24.5 30.7 66.0 76.7 3.8 . 31.9 14.7 8.7 . 43.1 46.8 47.4 10.7

II 20.0 16.3 13.8 18.1 12.4 29.2 24.0 22.3 . 26.9 19.2 19.5 14.4 6.3 . 17.9 10.4 16.7 . 24.8 20.1 28.2 17.4

III 20.0 18.3 19.6 16.9 16.2 19.9 21.5 23.3 . 19.6 19.9 8.9 5.7 10.1 . 21.2 17.1 19.9 . 16.2 16.1 15.9 19.2

IV 20.0 23.3 23.3 11.3 19.4 9.7 16.1 23.9 . 16.3 18.7 4.2 2.0 21.2 . 19.7 23.7 26.9 . 9.7 12.1 5.9 22.2

V 20.0 33.8 28.8 6.4 40.2 2.9 12.6 17.0 . 12.7 11.5 1.4 1.1 58.6 . 9.4 34.2 27.9 . 6.1 5.0 2.6 30.5

Quintiles of EA Net Wealth I 20.0 16.2 26.4 21.2 17.5 19.8 15.9 18.2 . 16.9 17.2 30.4 8.2 10.2 . 7.6 22.8 18.9 . 17.5 15.7 10.0 23.2

II 20.0 11.1 20.7 33.8 12.0 28.6 15.4 21.2 . 15.5 13.9 51.3 51.3 10.7 . 9.8 24.5 26.6 . 23.9 18.7 32.0 15.6

III 20.0 14.3 15.2 29.7 15.6 33.3 26.5 16.6 . 22.5 13.8 13.1 30.6 9.1 . 17.9 19.2 14.4 . 32.6 37.7 41.8 19.9

IV 20.0 23.7 16.5 9.5 22.5 13.1 21.8 21.6 . 26.2 22.1 3.7 5.3 8.6 . 28.1 17.5 19.4 . 15.8 19.4 11.8 21.6

V 20.0 34.7 21.2 5.9 32.3 5.2 20.4 22.5 . 18.9 33.0 1.5 4.6 61.5 . 36.6 16.0 20.7 . 10.3 8.4 4.4 19.6

Age of RP 16-34 14.1 12.2 19.2 18.8 13.7 9.5 8.6 16.0 10.1 7.5 14.6 13.6 14.1 16.0 14.1 14.9 18.4 15.1 14.4 9.8 10.1 12.2 21.9

35-44 16.9 19.4 15.0 16.8 21.0 17.5 20.3 16.3 18.1 16.6 22.2 18.3 20.3 20.3 18.4 18.3 17.0 16.2 19.7 19.3 17.6 23.3 14.8

45-54 20.3 20.0 20.4 18.0 20.4 18.7 22.5 18.8 20.5 21.9 21.3 17.0 18.5 21.6 21.5 18.4 18.4 20.2 18.6 20.3 21.5 20.1 16.1

55-64 18.3 19.1 17.3 17.8 20.1 19.7 18.5 18.8 19.9 18.2 18.3 20.7 19.6 19.2 17.8 18.4 19.4 18.1 21.8 18.4 21.1 20.6 18.1

65-74 14.8 14.5 12.5 13.5 14.0 17.3 14.9 15.2 16.7 16.5 12.0 13.6 12.8 12.9 15.6 18.1 17.8 16.7 14.3 16.0 15.0 15.4 15.4

75+ 15.5 14.9 15.7 15.0 10.9 17.3 15.3 14.8 14.7 19.3 11.5 16.8 14.7 10.0 12.6 11.9 9.0 13.6 11.1 16.2 14.8 8.4 13.7

Work status of RP Employee 50.1 50.1 58.3 60.4 53.9 35.4 44.6 45.8 45.4 45.6 52.7 57.0 53.6 60.9 55.9 54.9 56.9 51.4 52.1 48.9 49.5 54.1 46.7

Self-employed 8.6 6.1 7.7 4.8 10.2 15.7 10.0 7.0 3.3 11.3 12.7 6.6 5.7 5.1 7.1 8.6 6.0 6.9 12.2 10.4 6.2 13.1 6.1

Retired 30.1 33.1 28.0 26.7 20.9 39.7 26.4 35.8 42.1 28.9 23.0 30.0 26.3 28.0 31.1 26.4 23.0 36.6 27.4 31.5 37.2 28.8 30.8

Other not working 11.2 10.7 6.0 8.1 15.1 9.3 19.1 11.3 9.3 14.1 11.6 6.3 14.4 6.0 5.9 10.1 14.1 5.1 8.3 9.2 7.1 4.0 16.5

Education of RP Basic or no education 30.4 22.8 10.1 14.9 30.6 38.2 50.0 30.4 24.6 51.6 27.7 15.5 10.4 26.8 23.7 52.7 24.1 12.8 13.6 64.9 19.8 9.0 24.6

Secondary 40.6 31.0 56.1 47.2 28.1 37.7 17.3 39.9 59.3 35.1 44.5 50.8 47.2 36.9 51.1 26.6 38.1 63.4 60.0 15.6 54.5 67.3 42.4

Tertiary 28.9 46.3 33.2 37.9 41.3 24.1 32.7 29.7 16.1 13.3 27.8 33.7 42.4 36.2 25.2 20.7 37.8 23.8 26.4 19.5 25.7 23.7 33.1

DK/NA 0.1 . 0.5 . . . . < 0.1 . . . . . . . . . . < 0.1 . . . .

Source: Household Finance and Consumption Survey - wave 2017. Preliminary data for Ireland and Spain. See the section “General notes” for information on the calculation of the tables, the definition of the indicators, and reference periods. Standard errors are shown in brackets below their corresponding figure. M = missing value, N = too few observations. The table shows the weighted structure of the households of the HFCS samples. Owners refers to households owning their main residence - outright are owners without mortgage collateralised on the household's main residence, owners with mortgage owners with mortgage collateralised on the household's main residence. See the section “General notes” for the definition of the reference person used in the age of the RP breakdown. See country notes: NL1 for information on country-specific issues that may affect the comparability of the figures.


General notes All statistics in this document are calculated using the final estimation weights, which ensure that the figures are representative of the population. Within each country, the sum of estimation weights equals the total number of households in the country, so that the sum of weights in the whole dataset equals the total number of households in the countries participating in the survey. The euro area results correspond to the 19 euro area countries participating in the survey. The document “The Household Finance and Consumption Survey – Methodological Report for the 2017 wave” provides a detailed overview of the main methodological features of the survey. That report describes the survey mode, fieldwork, the questionnaire, the sample design, the unit and item nonresponse and weighting, multiple estimation, variance estimation, statistical disclosure control, and comparability issues of the HFCS. In the interpretation of results it should be kept in mind that the reference years of the country surveys vary between 2016 and 2018, as indicated in the table of reference periods available on the following pages. The differences in reference years can be particularly relevant for the values of financial and real assets. Percentage shares may not sum to 100 because of rounding. • <0.1 stands for a value that is between -0.05 and 0.05. • M stands for a missing value – item was not collected in a given country or comparable information is not available in the HFCS database. • N stands for “not calculated” because less than 25 observations are available. Standard errors, displayed in brackets with a grey font, were calculated with the Rao-Wu rescaled bootstrap method using replicate weights provided by the countries (1000 replicates; see the HFCS Methodological Report for details), and take into account the fact that the data are multiply imputed.


Definitions Household reference person The household reference person is chosen according to the international standards of the so-called Canberra Group (UNECE 2011), which uses the following sequential steps to determine a unique reference person in the household: • household type [determined by a one of the partners in a registered or de facto marriage, with dependent children, b) one of the partners in a registered or de facto marriage, without dependent children, and c) a lone parent with dependent children], • the person with the highest income, • the eldest person. Net wealth and its main components Net wealth is defined as the difference between total (gross) assets and total l iabilities. Total assets consist of real assets and financial assets. Real assets include: • value of the household main residence (for owners) • value of other real estate property • value of vehicles (cars and other vehicles, such as boats, planes or motorbikes) • value of valuables • value of self-employment businesses of household members. Financial assets consist of: • deposits (sight accounts, saving accounts) • investments in mutual funds • bonds • investments held in non-self-employment private businesses • publicly traded shares • managed investment accounts • money owed to households as private loans • other financial assets: options, futures, index certificates, precious metals, oil and gas leases, future proceeds from a lawsuit or estate that is being settled, royalties or any other. • private pension plans and whole life insurance policies. Current value of public and occupational pension plans is not included. Total liabilities (debt) consist of: • outstanding amount of household main residence mortgages and other real estate property mortgages • outstanding amount of debt on credit cards and credit l ines/bank overdrafts • outstanding amounts of other, non-collateralised, loans (including loans from commercial providers and private loans). Household income Household income is measured as gross income and is defined as the sum of labour and non-labour income for all household members. Labour income is collected for all household members aged 16 and older, other income sources are collected at the household level. In some countries, as gross income is not well known by respondents it is computed from the net income given by the respondent. Specifically, the measure for gross income includes the following components: employee income, self-employment income, income from pensions, regular social transfers, regular private transfers, income from real estate property (income received from renting a property or land after deducting costs such as mortgage interest repayments, minor repairs, maintenance, insurance and other charges), income from financial investments (interest and dividends received from publicly traded companies and the amount of interest from assets such as bank accounts, certificates of deposit, bonds, publicly traded shares etc. received during the income reference period less expenses incurred), income from private business and partnerships and other non-specified sources of income. See section 9.2.4 of the Methodological Report on details on the collection of income variables in various countries. Indicators of debt burden, financial fragility and credit constraints Debt-asset ratio: ratio of total l iabilities to total gross assets. Defined for indebted households. Debt-income ratio: ratio of total l iabil ities and total gross household income. Defined for indebted households. Debt serv ice-income ratio: ratio of total monthly debt payments to household gross monthly income. Payments for household’s total debt are the monthly payments (or the monthly equivalent of other time frequency payments) of the household to the lender to repay the loan. They include interest and repayment but exclude any required payments for taxes, insurance and other fees. The household’s total payments include the payments for mortgages and the payments for other loans, such as car loans, consumer and instalment loans and loans from relatives, friends, employers etc. Debt service-income ratio can be calculated for all indebted households, or only for indebted households excluding those having only credit l ine, overdrafts or credit card debt. For bullet loans, all payments are due at the end of the loan term. For these loans, repayments are zero. Mortgage debt serv ice-income ratio: ratio of total monthly mortgage debt payments (i.e., payments made to repay all mortgages, for the HMR and other properties) to household gross monthly income. Defined for households with mortgage debt. Loan-Value ratio of HMR: ratio of outstanding amount of HMR mortgage to current value of the HMR. Defined for households with HMR mortgage debt. Net liquid assets to income: ratio of net l iquid assets to household gross annual income. Net l iquid assets are calculated as the sum of value of deposits, mutual funds, bonds, non-self-employment business wealth, (publicly traded) shares and managed accounts, net of credit l ine/overdraft debt, credit card debt and other non-mortgage debt. Defined for all households. Credit constrained household: household who applied for credit and was turned down and do not report successful later reapplication, or those who applied for credit but were not given as much as they applied for or those who did not apply for credit due to a perceived credit constraint.)


Reference periods Country Fieldwork Assets & Liabilities Income

Belgium 01/2017 – 09/2017 2017 2016

Germany 03/2017– 10/2017 Time of interview 2016

Estonia 03/2017 – 06/2017 Time of interview* 2016

Ireland 04/2018 – 01/2019 Time of interview Last 12 months

Greece 02/2018 – 09/2018 2018 Last 12 months

Spain 10/2017 – 05/2018 Time of interview 2016

France 09/2017 – 01/2018 Time of interview 2016

Croatia 03/2017 – 06/2017 Time of interview 2016

Italy 01/2017 – 09/2017 31/12/2016** 2016

Cyprus 02/2017 – 09/2017 Time of interview Last 12 months

Latvia 09/2017 – 11/2017 Time of interview 2016

Lithuania 12/2017 – 05/2018 31/12/2016 2016

Luxembourg 03/2018 – 11/2018 Time of interview 2017

Hungary 10/2017 – 12/2017 Time of interview Last 12 months

Malta 01/2017 – 04/2017 31/12/2016 2016

Netherlands 05/2017 – 07/2017 Time of interview 2016

Austria 11/2016 – 07/2017 Time of interview 2016

Poland 09/2016 – 11/2016 Time of interview Last 12 months

Portugal 05/2017 – 09/2017 Time of interview 2016

Slovenia 04/2017 – 10/2017 Time of interview 2016

Slovakia 02/2017 – 04/2017 Time of interview 2016

Finland 01/2017 – 06/2017 31/12/2016 2016


Inflation adjustment factors

Inflation adjustment factor between waves HICP 2015=100, annual data

Waves 2014 and 2017 (waves 2 and 3)



Wave 2010 (wave 1)

Wave 2014 (wave 2)

Wave 2017 (wave 3)

Belgium 1.0467901 1.1296558 1.0791617 92.09 99.38 104.03

Germany 1.0220220 1.0954936 1.0718884 93.20 99.90 102.10

Estonia 1.0504726 . . . 99.46 104.48

Ireland 1.0110331 . . . 99.70 100.80

Greece 1.0082089 1.0752030 1.0664487 94.81 101.11 101.94

Spain 1.0105336 1.0489994 1.0380648 96.94 100.63 101.69

France 1.0156141 1.0976850 1.0808092 92.44 99.91 101.47

Italy 1.0000000 1.0788337 1.0788337 92.60 99.90 99.90

Cyprus 0.9791277 1.0458513 1.0681460 95.09 101.57 99.45

Latvia 1.0321676 . . . 99.79 103.00

Luxembourg 1.0427256 1.1396544 1.0929571 91.44 99.94 104.21

Hungary 1.0290174 . . . 99.94 102.84

Malta 1.0287520 1.0992483 1.0685260 91.79 98.08 100.90

Netherlands 1.0194028 1.1118421 1.0906798 91.20 99.47 101.40

Austria 1.0405242 1.1451076 1.1005103 90.14 99.20 103.22

Poland 0.9910626 . . . 100.70 99.80

Portugal 1.0300343 1.1114736 1.0790647 91.95 99.22 102.20

Slovenia 1.0063517 1.0804475 1.0736281 93.85 100.76 101.40

Slovakia 1.0054808 1.1004472 1.0944487 91.69 100.35 100.90

Finland 1.0144503 1.1239364 1.1079266 89.32 98.96 100.39

Statistical tables are in nominal terms for all waves. Inflation adjustment factors can be used to express values in EUR in the prices of the most recent wave. HICP, harmonised index of consumer prices, Eurostat, table prc_hicp_aind. See the table on reference periods for the precise years for the HICP. Estonia, Ireland, Latvia, Hungary, and Poland did not participate in wave 2010 (wave 1). Croatia and Lithuania did not participate in waves 2010 and 2014 (waves 1 and 2).


Country specific notes Austria AT1 Saving accounts include life insurance contracts due to its common use as a savings vehicle and the data collection at the household level. Values of l ife insurance contracts are calculated based on the information on starting time and length of the contract, contribution to the

life insurance and periodicity of the contribution. AT2 Every farmer is treated as having a self-employed business. In case the farmer could not separate the values of the household’s main residence from the value of the farm the value was split during the imputation procedure according to similar farmers who gave separated

values. The total of self-employed business and household main residence was not changed by the procedure but only the share going towards each category was imputed. If the farmer also reported other real estate asset used for business purposes additional to the amount he puts into his farming business asset, this asset is added to his farming business asset.

AT3 If respondents were not able to provide gross amounts, net information was collected for employee income, self-employment income, pension income, and income from financial assets, and converted to gross amounts using information on the employment status, household structure, geographical location, the tax code and the flat capital income tax of 25%.

Belgium BE1 If respondents were not able to provide gross amounts, net income was collected for employee, self-employment and pension income and gross amounts estimated. BE2 Financial assets have been imputed as a whole and not each item separately. Germany DE1 The respondent was able to choose whether to provide the income figure gross or net. Net income amounts were converted to gross amounts. DE2 The variable on income from private business other than self-employment was not fully imputed Estonia EE1 Information on credit card and credit l ine/overdraft debt is mostly based on register data. EE2 Information on pension wealth is mostly based on register data. EE3 Information on most financial assets is a mix of register and interview data. EE4 Information on non-collateralised loans and leasing is based on register data. EE5 Register data is used for editing variables on mortgages. EE6 Unemployment benefits were collected from registers. Information on public transfers and pension income is a mix of register and interview data. Register data on employee and self-employment income is used for data editing. EE7 Respondents could state either gross or net income, whichever was more convenient. The net amounts were converted to gross incomes in the editing process. Spain ES1 The variable market value each type of mutual fund (HD1320a-g) was not imputed fully at the time of the release of this report. The information on all forms of mutual funds together has already been imputed and was provided as HD1330. ES2 The variable value of the other assets (HD1920) was not fully collected. ES3 Food expenditure at home includes also food expenditure outside home; food expenditure outside home was not collected separately. Food expenditure in utilities and whether expenses are above or below current income were not fully imputed at the time of the release of

this report ES4 The variable ability to get financial assistance from friends or relatives (HI0800) was not collected. ES5 The variable re-applying for credit (HC1320) was not collected. ES6 The questions on credit constraints (HC1310a,HC1310b, HC1400) had not been imputed at the time of the release of this report. ES7 Household income is the sum of all income items included in the survey. In cases when there is some item nonresponse, the variable is imputed directly (instead of being the sum of imputed components) Finland FI1 Housing and real wealth variables are mostly based on register data or register-based estimation. The value of HMR was estimated using administrative data on dwellings and sales price data. FI2 Except for deposits and whole life insurance, financial wealth variables are mostly based on register data. FI3 The value of l imited liability companies is available only for companies who have paid out dividends. Business wealth is based on tax values. FI4 Information on valuables was not collected. FI5 Other property mortgages are not collected for individual properties, but to all other real estate properties. FI6 Information on managed accounts was not collected. FI7 Information on money owed to household was not collected. FI8 HMR mortgages are based on register data. Other l iabil ities are based on register data supplemented with survey responses (mostly consumption loans and credit card debt). Liabilities are collected by the purpose of the loan, not by collateral. Liabilities do not include

households' share of housing company loans. FI9 Individual private voluntary pensions are estimated from register data, values of whole life insurance are based on survey responses. FI10 Except for food outside home, consumption variables are to a large extent statistically matched from the Household Budget Survey (HBS). France FR1 Information on HMR and other real estate mortgages covers loans that either have a mortgage on the property or are related to the property purchase and have a mortgage, a registration in lender's privilege, or a collateral provided by either "Crédit Logement", other

guarantee company, a mutual insurance company, a private individual, a financial guaranty, or another type of guarantee. FR2 Income data are obtained from administrative data sources. Income is defined as gross of income taxes and net of social contributions. FR3 Information on private loans was not collected separately, but is included in non-collateralised loans. FR4 The variable on income from private business other than self-employment was not collected FR5 The variable on income from other sources was not collected. FR6 The third wave of the French wealth survey is the first wave of re-interrogation. In the preliminary replicate weights, the new panel component is not taken into account properly. Furthermore, the current replicate weights have not been calibrated to the original margins yet.

The standard errors may appear as too large.


Greece GR1 For employee, self-employment and pension income respondents can report net or gross income, as well as monthly or annual. Net monthly and net annual amounts the amounts are converted to gross by adding the estimated social contributions and the estimated

applicable tax. Monthly income is converted to annual based on the number of months this income has been received. GR2 Savings accounts are collected in two separate questions, one for savings accounts and one for time deposits plus certificates of deposits. GR3 Outstanding credit cards balance can be reported separately for each credit card. Croatia HR1 Income variables were asked to be expressed as gross, but respondents could report net of income, in which case the figures were grossed-up by the model created by the Central Bank. Hungary HU1 If respondents were not able to provide gross amounts, net income was collected and converted to gross amounts. HU2 Variables on 'household was denied credit' and 'households re-applying for credit' were not collected. HU3 Variables on other property mortgages were not fully imputed HU4 Variables on the value of self-employment businesses were not fully imputed Italy IT1 Income is always collected net of taxes and social contributions. Gross incomes are reconstructed using a methodology developed on the basis of information on personal income tax and social contributions at national level and on the basis of the demographic characteristics

of the household members. IT2 Liabilities are collected by the purpose of the loan, not by collateral. The information on the type of collateral used is collected, but it is possible that more than one type of collateral is used for the same debt and the amount of loan can be higher than the value of property

indicated as collateral. IT3 Income from financial assets is not directly collected, but it is estimated using the information on owned financial assets and average interest rates. Furthermore, the methodology for the estimation of net/gross income from financial assets has been revised with respect to

previous waves. IT4 The variable on income from private business other than self-employment was not collected Lithuania LT1 Information on households' l iabil ities is based on registers LT2 The variable on income from financial investments was not fully imputed. Latvia LV1 Register data were used to edit wage, self-employed and pension data at the personal level, including cases if respondent could not provide either gross or net amount. LV2 Register data were used to edit data on real estate properties. Register data could be merged with HFCS data at the personal level. The estimates for 2014 (HFCS wave 2) and 2017 (HFCS wave 3, current data) are not directly comparable despite using the same

register data source. Part of the increase in real estate values is due to change in evaluation approach used. .The value of real asset for HFCS 2014 wave was based on a cadastral value, representing on average 85% of the market value that the real estate had 1.5 years prior to establishing the cadastral value base for a particular year (2012). The estimates for HFCS 2017 wave are based on real asset transaction values available for 2016, representing on average 100% of the market value. Therefore the estimates for 2017 (HFCS wave 3

LV3 Register data were used to edit data on liabilities. Register data could be merged with HFCS data at the personal level. LV4 For 9.2% of 2014 respondents register data could not be used due lack of personal identification. In 2017 personal identification was available for all respondents. LV5 In 2017, the sample prepared for 2014 was used to form a panel component. Weights were corrected to account for changes in addresses, demographics and income structure of population in 2017. Unfortunately, despite weight corrections, the use of 2014 sample resulted

in underrepresentation of households, who took up mortgages in real estate’s built in 2015-2017 and formed a new household. LV6 The sharp decline in value of self-employed business in 2017, as compared to 2014, could be explained with the classification and data availabil ity issues. Unfortunately in 2017 the information on the employment income if person worked/owned micro enterprise was not

available in the State Revenue Service. Thus, only income of people registered as self-employed is accounted for in 2017. Netherlands NL1 Compared to the data from wave 2017, the data from waves 2010 and 2014 (waves 1 and 2) are based on smaller samples (ca. 1200 households) and information about assets and liabilities is derived from existing Dutch surveys. Instead, the data from wave 2017 are

based on a larger sample (ca. 2500 households) and exactly follows the wording of the HFCN questionnaire. Therefore, the waves 2010 and 2014 may show more sampling uncertainty and differences in the exact wording may have influenced the outcomes as well. Overall, the 2017 wave data are better aligned to the data on household wealth published by Statistics Netherlands.

NL2 The methodology for estimation of voluntary pensions/whole life insurance has been revised, so that the data between wave 2017 and waves 2010/2014 are not fully comparable. In addition, in waves 2010 and 2014 these savings were collected (and imputed) as a whole and not per item separately as in wave 2017.

Poland PL1 Income is always collected net of taxes and social contributions. Gross incomes are estimated with a model. PL2 Other property mortgages are not collected for individual properties, but to all other real estate properties. PL3 Amount spent on utilities includes rents. PL4 The variable on the outstanding credit l ine/overdraft balance was not collected separately, but is included in non-collateralised loans. PL5 Information on private loans was not collected separately, but is included in non-collateralised loans. PL6 The variable on income from other, non-regular private transfers was not collected. Portugal


PT1 Net income was collected, if gross income was not known by the respondent. When that occurred, gross income was estimated using a specific microsimulation model following the national EU-SILC survey methodology. PT2 Only pension plans for which the respondent will be eligible in the future and from which he/she is not already receiving benefits at moment of the interview are included.

Back matter This set of tables has been prepared by the Household Finance and Consumption Network. You can reach us at: [email protected]. Abbrev iations Countries AT Austria BE Belgium BG Bulgaria CH Switzerland CY Cyprus CZ Czech Republic DK Denmark DE Germany EE Estonia IE Ireland ES Spain FI Finland FR France GR Greece HR Croatia HU Hungary

IT Italy JP Japan LT Lithuania LU Luxembourg LV Latvia MT Malta NL Netherlands PL Poland PT Portugal RO Romania SE Sweden SI Slovenia SK Slovakia UK United Kingdom US United States

Others CAPI Computer Assisted Personal Interview CATI Computer Assisted Telephone Interview CAWI Computer Assisted Web Interview ESA European System of Accounts EU-SILC European Union Statistics on Income and

Living Conditions FKP Financially knowledgeable person HFCN Household Finance and Consumption Network HFCS Household Finance and Consumption Survey HMR Household Main Residence

ISCED International Standard Classification of Education

ISCO International Standard Classification of Occupations

MI Multiple Imputation NACE European Classification of Economic Activities NCB National Central Bank NSI National Statistical Institute PSU Primary Sampling Unit RP Reference Person UDB User Database

Other abbreviations in the tables (e.g. DA3001) refer to variables the user database of the HFCS, available from the ECB website

© European Central Bank, 2020 Postal address 60640 Frankfurt am Main, Germany Telephone +49 69 1344 0 Internet www.ecb.europa.eu All rights reserved. Reproduction for educational and non-commercial purposes is permitted provided that the source is acknowledged. Unless otherwise stated, this document uses data available as at 01 March 2020.

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the household finance and consumption survey

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