Federal Reserve Bank of New York
访问日期： 15 五月, 2018
Household Debt Reaches New Peak Driven by Gains in Mortgage, Auto, and Student DebtThe CMD’s latest Quarterly Report on Household Debt and Credit reveals that total household debt rose by $114 billion (0.9 percent) to $12.84 trillion in the second quarter of 2017. There were modest increases in mortgage, auto, and credit card debt (increasing by 0.7 percent, 2 percent, and 2.6 percent respectively), no change to student loan debt, and a decline in home equity lines of credit (which fell by 0.9 percent). Flows of credit card balances into both early and serious delinquencies climbed for the third straight quarter—a trend not seen since 2009. Total household indebtedness- Aggregate household debt balances rose to a new peak in the second quarter of 2017. As of June 30, 2017, total household indebtedness was $12.84 trillion, a $114 billion (0.9%) increase from the first quarter of 2017. This increase put overall household debt $164 billion above its peak in the third quarter of 2008, and 15.1 percent above its trough in the second quarter of 2013.
Mortgage balances, the largest component of household debt, which stood at $8.69 trillion as of June 30, saw a $64 billion uptick from the first quarter of 2017.
Balances on home equity lines of credit(HELOC) were roughly flat, and now stand at $452 billion.
Non-housing debtrose in the second quarter, with increases of $23 billion in auto loans and $20 billion in credit cards; student loan balances were roughly flat.