2025美国纽约联储的报告-美联储.docx

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2025-02-25 发布于北京
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2025美国纽约联储的报告-美联储.docx

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CENTERFORMICROECONOMICDATA

WWW.NEWYORKFED.ORG/MICROECONOMICS

QUARTERLYREPORTON

HOUSEHOLD

DEBTANDCREDIT

2024:Q4(RELEASEDFEBRUARY2025)

FEDERALRESERVEBANKofNEWYORK

RESEARCHANDSTATISTICSGROUP

ANALYSISBASEDONNEWYORKFEDCONSUMERCREDITPANEL/EQUIFAXDATA

HouseholdDebtandCreditDevelopmentsin2024Q41

Aggregatenominalhouseholddebtbalancesincreasedby$93billioninthefourthquarterof2024,a0.5%risefrom2024Q3.Balancesnowstandat$18.04trillionandhaveincreasedby$3.9trillionsincetheendof2019,justbeforethepandemicrecession.

Balances

Mortgagebalancesshownonconsumercreditreportsgrewby$11billion2duringthefourthquarterof2024andtotaled

$12.61trillionattheendofDecember.Balancesonhomeequitylinesofcredit(HELOC)roseby$9billion,theeleventhconsecutivequarterlyincreaseafter2022Q1,andthereisnow$396billioninaggregateoutstandingbalances,$79billionabovetheserieslow

reachedinthefirstquarterof2022.Creditcardbalances,whichnowtotal$1.21trillionoutstanding,grewby$45billionduringthefourthquarterandare7.3%abovethelevelayearago.Autoloanbalancesroseby$11billion,andnowstandat$1.66trillion.Otherbalances,whichincluderetailcardsandotherconsumerloans,grewby$8billion.Studentloanbalancesgrewby$9billion,andnowstandat$1.62trillion.Intotal,non-housingbalancesgrewby$73billion,a1.5%risefrom2024Q3.

Originations

Thevolumeofmortgageoriginations,measuredasappearancesofnewmortgagesonconsumercreditreportsandincludingbothrefinanceandpurchaseoriginations,increasedslightlywith$465billionnewlyoriginatedin2024Q4.Aggregatelimitsoncreditcardsincreasedmoderately,by$98billion(2.0%)inthefourthquarter.Homeequitylinesofcredit(HELOC)limitscontinuedtoriseandsawan$8b