美国纽约联储的报告_美国消费者债务逾期率触及近五年高点（英）-2025_46页_2mb

Household Debt and Credit Summary (2024Q4)

Key Findings:

• Aggregate Balances: Household debt modestly increased by $93 billion (0.5%), reaching $18.04 trillion. Mortgage and student loan balances rose, while auto loan balances increased significantly.
• Mortgage: Balances grew by $11 billion (1.0%) to $12.61 trillion.
  • Mortgage balances temporarily decreased due to measurement irregularities.
• Credit Cards: Balances rose by $45 billion (7.3%), reaching $1.21 trillion.
• Student Loans: Outstanding balances climbed by $9 billion to $1.62 trillion, with very low delinquency rates ($0.6%) due to non-reporting.
• Origination: Mortgage originations increased slightly; credit card and HELOC limits rose moderately.
• Delinquency: Overall delinquency rose slightly to 3.6%. Auto loans and HELOCs saw increases in seriously delinquent accounts, while credit card delinquency increased by 0.2 percentage points.
• Bankruptcies: New bankruptcies declined (~93% from Q3).
• Inquiries: Credit-related inquiries surged to approximately 1.3 billion in the past 6 months.

Notes:

• Data from the NY Fed's Consumer Credit Panel/Equifax reflects a 0.1% sample of individuals.
• Student loan delinquency is minimal due to borrower repayment plans.
• Definitions for "newly originated" balances vary by loan type.