Statistics Iceland
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Family debt-to-income ratio by family type 2015-2018

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7/10/2018
Percent/number
2015-2018
SKU01006
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Published data is based on a data collection from credit institutions. There is no intention of continuing updating the series. Results for 2018 are preliminary results. Discussion of the data and methodology can be found here: https://statice.is/publications/publication/quality-of-life/family-debt-and-loan-payments-2015-2018 Disposable income
Disposable income is defined as total income after deducting tax and payments to pension funds. Total income refers to all income accounted for in tax returns, i.e. employment income, capital income and other income such as pension payments and interest and child benefits. Taxes are based on the year they are paid. Disposable income for 2018 is based on income for year 2017 updated based on the wage index from June 2017 to May 2018. Family debt
Debt-to-income is reported as a percentage of disposable income. For example, if the family’s disposable income is 12 million ISK per year and debt amounts to 30 million ISK, the debt ratio is 250%. Total debt is as reported on tax reports, including public debts. Family type
Family is defined as individuals living together and sharing a family ID. As part of the family are also those individuals aged 18 to 24 years old who are living at the same home as they did before becoming 18 years old. Couples are defined by their status in the national registry. Number
A number of families are excluded on different grounds. Just under 30% of families are excluded and for that reason the number should primarily be used to assess the size of different groups.