Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in New Zealand
New Zealand: Outstanding Loans, Commercial Banks, of Which: Household Sector Loans was 292.50 billion in 2025. ▲ Rising
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in New Zealand, 2004–2025
Source: International Monetary Fund.
Analysis
In 2025, outstanding loans, commercial banks, of which: household sector loans in New Zealand stood at 292.50 billion. That is the highest value across all 22 years on record.
That represents a change of up 5.1% on the previous year and up 32.2% over ten years.
Over the whole period, outstanding loans, commercial banks, of which: household sector loans in New Zealand peaked at 292.50 billion in 2025 and was at its lowest, 105.37 billion, in 2004.
New Zealand ranks 62nd of 134 countries on this measure, in the middle of the range.
The long-run direction has been consistently rising across the 22 years of available data.
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in New Zealand, year by year
| Year | Value | Change |
|---|---|---|
| 2004 | 105.37 billion | — |
| 2005 | 121.20 billion | +15.0% |
| 2006 | 136.34 billion | +12.5% |
| 2007 | 153.81 billion | +12.8% |
| 2008 | 163.47 billion | +6.3% |
| 2009 | 170.02 billion | +4.0% |
| 2010 | 173.75 billion | +2.2% |
| 2011 | 177.43 billion | +2.1% |
| 2012 | 185.17 billion | +4.4% |
| 2013 | 196.07 billion | +5.9% |
| 2014 | 205.54 billion | +4.8% |
| 2015 | 221.29 billion | +7.7% |
| 2016 | 173.05 billion | -21.8% |
| 2017 | 184.44 billion | +6.6% |
| 2018 | 197.21 billion | +6.9% |
| 2019 | 211.12 billion | +7.1% |
| 2020 | 223.64 billion | +5.9% |
| 2021 | 245.09 billion | +9.6% |
| 2022 | 257.05 billion | +4.9% |
| 2023 | 267.12 billion | +3.9% |
| 2024 | 278.31 billion | +4.2% |
| 2025 | 292.50 billion | +5.1% |
New Zealand compared with similar countries
- New Zealand's 292.50 billion is above the median for high income countries, which is 248.79 billion, 1.2× the median. (52 countries reporting)
- New Zealand's 292.50 billion is below the median for East Asia & Pacific, which is 299.94 billion, 98% of the median. (18 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 141.70 billion | 105.37 billion | 170.02 billion | 6 |
| 2010s | 192.51 billion | 173.05 billion | 221.29 billion | 10 |
| 2020s | 260.62 billion | 223.64 billion | 292.50 billion | 6 |
Countries ranked near New Zealand
More financial sector data for New Zealand
- Reserve position in the IMF, US dollar, annual growth rate 6.51 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0016 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 81.16 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 1.42 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0012 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 59.26 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 6.51 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0016 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 81.16 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 1.42 % change on previous year (2025)
Frequently asked questions
- What is outstanding loans, commercial banks, of which: household sector loans in New Zealand?
- Outstanding loans, commercial banks, of which: household sector loans in New Zealand was 292.50 billion in 2025, according to International Monetary Fund.
- What is the highest outstanding loans, commercial banks, of which: household sector loans recorded in New Zealand?
- The highest recorded value was 292.50 billion in 2025.
- What is the lowest outstanding loans, commercial banks, of which: household sector loans recorded in New Zealand?
- The lowest recorded value was 105.37 billion in 2004.
- How does New Zealand rank for outstanding loans, commercial banks, of which: household sector loans?
- New Zealand ranks 62nd out of 134 countries with data for 2025.
- Is outstanding loans, commercial banks, of which: household sector loans rising or falling in New Zealand?
- Over the last ten years it is up 32.2%. The long-run trend across the full record is rising.
- Where does this New Zealand data come from?
- The figures come from International Monetary Fund, published as part of Outstanding Loans, Commercial Banks, of Which: Household Sector Loans. Statizoid updates them automatically from the source API.
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About this data
Gender-disaggregated data on access to and use of financial services.