{"article":{"annotation":{"article_id":"norway-interest-bearing-household-consumer-debt-2024","available_at":"2026-10-16T08:19:58.804442Z","geography_revision":"ef6ee0010dda5fe7b240fd514749b43e214c57da73222d2e40ec83b276dd0977","id":"7e3d3425d1633bf9f6937f1f37352632e9f77ac322f4495304c024d5417644ef","input_sha256":"415579eb2165e5a9920b0f68290436b08fd91d1631a8eab91a443cc47c39e9ec","limitations":["Rule-derived subjects are candidates, not verified editorial labels or calibrated model probabilities.","Coverage is distinct from event location. Unknown country/city/coordinates remain absent; no automatic geocoding.","Article geometries keep their stated precision and methodology; reproducing them is not independent coordinate verification."],"method":"controlled-rules-v1","places":[{"admin1":null,"city":null,"coordinate_note":null,"coordinate_reference_system":"OGC:CRS84","coordinate_source":null,"country":"NO","evidence":[{"field":"country","language":"en","note":"Explicit preserved editorial country/region; no city or national centroid inferred","source_urls":["https://www.ssb.no/inntekt-og-forbruk/inntekt-og-formue/artikler/4-av-10-har-rentebaerende-forbruksgjeld"]}],"geometry":null,"id":"iso3166-1:NO","kind":"country-or-area","labels":{"ar":"النرويج","en":"Norway","es":"Noruega","fr":"Norvège"},"match_status":"candidate","precision":"regional","role":"coverage","uncertainty_m":null}],"rules_sha256":"fb5ad3c27c91cb840f7a0a05f7f64a5cb26ad0374409ff9457f277c7092e22b4","schema_version":1,"subjects":[{"concept_id":"medtop:04000000","confidence":null,"confidence_method":null,"evidence":[{"field":"category+topics","language":"en","note":"Preserved editorial category/topic; broad candidate only","source_urls":["https://www.ssb.no/inntekt-og-forbruk/inntekt-og-formue/artikler/4-av-10-har-rentebaerende-forbruksgjeld"]}],"method":"controlled-rules-v1","rule_id":"finance-broad","status":"candidate"}],"taxonomy_revision":"1f2db31d811fca07e99b16d402c10e2cc2965c9df1c7b41d9be348b40a24e7fb","taxonomy_version":"IPTC Media Topics 2026-Q2"},"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=en","category":"finance","content":{"key_points":[],"paragraphs":["Statistics Norway estimates that Norwegian households held NOK 113 billion in interest-bearing unsecured debt in 2024. Nearly four in ten people belonged to a household with some such debt, but only 5.1% of people—278,700—met SSB’s indicator for burdensome unsecured debt.","The indicator requires household interest-bearing unsecured debt of at least 25% of gross household income and at least NOK 3,000. SSB excludes people in student households from these person-level analyses. It is a measure of debt relative to household income, not a default, missed-payment or insolvency rate."],"sections":[]},"corrections":[],"country":"NO","data":{"blocks":[{"description":{"ar":"يعرض SSB إجمالي ديون الأسر غير المضمونة التي تُفرض عليها فوائد في 2024، ومؤشراً للديون المرهقة مقارنة بالدخل.","de":"SSB veröffentlicht die verzinsten unbesicherten Haushaltsschulden 2024 und einen Indikator für eine hohe Schuldenlast im Verhältnis zum Einkommen.","en":"SSB reports the 2024 total of interest-bearing unsecured household debt and an indicator for debt that is burdensome relative to income.","es":"SSB publica el total de deuda de los hogares sin garantía con intereses en 2024 y un indicador de deuda gravosa en relación con los ingresos.","fr":"SSB publie le total de la dette des ménages non garantie portant intérêt en 2024 et un indicateur de dette lourde au regard du revenu.","pt":"O SSB divulga o total de dívidas domiciliares sem garantia com juros em 2024 e um indicador de dívida onerosa em relação à renda.","tr":"SSB, 2024 için faizli teminatsız hane borcunun toplamını ve gelir karşısında ağır sayılan borç göstergesini yayımladı."},"id":"reported-statistics","items":[{"basis":"observed","label":{"ar":"إجمالي ديون الأسر غير المضمونة التي تُفرض عليها فوائد","de":"Verzinste unbesicherte Haushaltsschulden insgesamt","en":"Total household interest-bearing unsecured debt","es":"Deuda total de los hogares sin garantía con intereses","fr":"Dette totale des ménages non garantie portant intérêt","pt":"Dívida total dos domicílios sem garantia que gera juros","tr":"Toplam faizli teminatsız hane borcu"},"measure":{"aggregation":"stock","frequency":"annual","geography":"norway","id":"norway-household-interest-bearing-unsecured-debt-2024-total","periodRole":"reference-period","unitCode":"billion-nok"},"period":"2024","unit":"billion NOK","value":113,"valueQualifier":"exact"},{"basis":"observed","label":{"ar":"الأشخاص الذين يستوفون مؤشر الديون غير المضمونة المرهقة","de":"Personen mit hoher unbesicherter Schuldenlast laut Indikator","en":"People meeting the burdensome unsecured-debt indicator","es":"Personas que cumplen el indicador de deuda sin garantía gravosa","fr":"Personnes répondant à l’indicateur de dette non garantie lourde","pt":"Pessoas que atendem ao indicador de dívida sem garantia onerosa","tr":"Ağır teminatsız borç göstergesini karşılayan kişiler"},"measure":{"aggregation":"rate","frequency":"annual","geography":"norway","id":"norway-household-interest-bearing-unsecured-debt-2024-persons-share","periodRole":"reference-period","unitCode":"percent"},"period":"2024","unit":"percent","value":5.1,"valueQualifier":"exact"},{"basis":"observed","label":{"ar":"عدد الأشخاص الذين يستوفون مؤشر الديون غير المضمونة المرهقة","de":"Personen mit hoher unbesicherter Schuldenlast laut Indikator","en":"People meeting the burdensome unsecured-debt indicator","es":"Personas que cumplen el indicador de deuda gravosa","fr":"Nombre de personnes répondant à l’indicateur de dette lourde","pt":"Número de pessoas que atendem ao indicador de dívida onerosa","tr":"Ağır teminatsız borç göstergesini karşılayan kişi sayısı"},"measure":{"aggregation":"stock","frequency":"annual","geography":"norway","id":"norway-household-interest-bearing-unsecured-debt-2024-persons-count","periodRole":"reference-period","unitCode":"count"},"period":"2024","unit":"people","value":278700,"valueQualifier":"exact"}],"methodology":{"ar":"تستند بيانات الدين إلى سجل الديون عند نهاية العام. وتعني «مرهقة» ما لا يقل عن 25% من إجمالي دخل الأسرة قبل الضريبة وبحد أدنى 3000 كرونة؛ ويُستبعد الأشخاص في الأسر الطلابية من تحليل الأفراد. وهذا ليس مؤشراً للتعثر.","de":"Die Schuldendaten stammen zum Jahresende aus dem norwegischen Schuldenregister. „Hohe Schuldenlast“ bedeutet mindestens 25 % des Bruttohaushaltseinkommens und mindestens 3.000 Kronen; Personen in Studierendenhaushalten sind aus Personenanalysen ausgeschlossen. Dies ist kein Ausfallindikator.","en":"Debt figures come from the Norwegian Debt Registry at year-end. “Burdensome” means at least 25% of gross household income and at least NOK 3,000; people in student households are omitted from person-level analyses. This is not a default indicator.","es":"Los datos proceden del registro noruego de deuda al cierre del año. «Gravosa» significa al menos el 25% de los ingresos brutos del hogar y un mínimo de 3.000 coronas; se excluye a las personas de hogares estudiantiles del análisis individual. No es un indicador de impago.","fr":"Les données proviennent du registre norvégien de la dette à la fin de l’année. « Lourde » signifie au moins 25 % du revenu brut du ménage et au moins 3 000 couronnes; les personnes en ménages étudiants sont exclues des analyses individuelles. Ce n’est pas un indicateur de défaut.","pt":"Os dados vêm do registro norueguês de dívidas no fim do ano. “Onerosa” significa ao menos 25% da renda bruta do domicílio e no mínimo NOK 3.000; pessoas em domicílios estudantis ficam fora das análises individuais. Não é um indicador de inadimplência.","tr":"Borç verileri, yıl sonundaki Norveç Borç Sicili kayıtlarına dayanır. “Ağır borç” göstergesi, faizli teminatsız borcun brüt hane gelirinin en az yüzde 25’i ve en az 3.000 NOK olmasıdır; kişi düzeyindeki analizlerden öğrenci hanelerindeki kişiler çıkarılmıştır. Bu, temerrüt göstergesi değildir."},"sourceUrls":["https://www.ssb.no/inntekt-og-forbruk/inntekt-og-formue/artikler/4-av-10-har-rentebaerende-forbruksgjeld"],"title":{"ar":"إحصاءات أوردها المصدر","de":"Von der Quelle berichtete Statistiken","en":"Statistics reported by the source","es":"Estadísticas comunicadas por la fuente","fr":"Statistiques publiées par la source","pt":"Estatísticas divulgadas pela fonte","tr":"Kaynağın bildirdiği istatistikler"},"type":"metrics","updatedAt":"2026-10-16T08:09:47Z"}],"version":1},"data_downloads":[{"formats":{"csv":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024/data/reported-statistics?lang=en&format=csv","json":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024/data/reported-statistics?lang=en&format=json"},"id":"reported-statistics"}],"data_types":["metrics"],"editorial_illustration":{"alt":"Conceptual illustration of financial data layers and information flows.","asset_id":"newsverum-v1-finance","avif_variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.avif","width":480},{"height":480,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-720.avif","width":720},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.avif","width":960},{"height":800,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1200.avif","width":1200},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.avif","width":1536}],"credit":"Newsverum","documentary":false,"height":1024,"kind":"symbolic-editorial-illustration","language":"en","scope":"topic","url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.webp","width":480},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.webp","width":960},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","width":1536}],"width":1536},"event_id":"event-b71278ab-dc65-534b-82fe-adc4556d0bc1","event_period":"2024","event_period_basis":"event-or-reference-period","id":"norway-interest-bearing-household-consumer-debt-2024","image":null,"importance":0.6,"language":"en","modified_at":"2026-10-16T08:19:51+00:00","publication_basis":"publication-record","published_at":"2026-10-16T08:19:51+00:00","reading_minutes":1,"region":"world","relations":[],"section_illustration":{"alt":"Conceptual illustration of financial data layers and information flows.","asset_id":"newsverum-v1-finance","avif_variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.avif","width":480},{"height":480,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-720.avif","width":720},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.avif","width":960},{"height":800,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1200.avif","width":1200},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.avif","width":1536}],"credit":"Newsverum","documentary":false,"height":1024,"kind":"symbolic-editorial-illustration","language":"en","scope":"section","url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","variants":[{"height":320,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-480.webp","width":480},{"height":640,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-960.webp","width":960},{"height":1024,"url":"https://newsverum.com/assets/newsverum/illustrations/v1/finance-1536.webp","width":1536}],"width":1536},"slug":"norway-interest-bearing-household-consumer-debt-2024","sources":[{"checkedAt":"2026-10-16","name":"Statistics Norway (SSB)","publishedAt":"2026-10-16","url":"https://www.ssb.no/inntekt-og-forbruk/inntekt-og-formue/artikler/4-av-10-har-rentebaerende-forbruksgjeld"}],"summary":"Statistics Norway estimates that Norwegian households held NOK 113 billion in interest-bearing unsecured debt in 2024. Nearly four in ten people belonged to a household with some such debt, but only 5.1% of people—278,700—met SSB’s indicator for burdensome unsecured debt.","text":"Statistics Norway estimates that Norwegian households held NOK 113 billion in interest-bearing unsecured debt in 2024. Nearly four in ten people belonged to a household with some such debt, but only 5.1% of people—278,700—met SSB’s indicator for burdensome unsecured debt.\n\nStatistics Norway estimates that Norwegian households held NOK 113 billion in interest-bearing unsecured debt in 2024. Nearly four in ten people belonged to a household with some such debt, but only 5.1% of people—278,700—met SSB’s indicator for burdensome unsecured debt.\n\nThe indicator requires household interest-bearing unsecured debt of at least 25% of gross household income and at least NOK 3,000. SSB excludes people in student households from these person-level analyses. It is a measure of debt relative to household income, not a default, missed-payment or insolvency rate.","title":"Nearly four in ten Norwegians live in a household with interest-bearing consumer debt","topics":[],"translations":[{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=tr","language":"tr","url":"https://newsverum.com/tr/news/norway-interest-bearing-household-consumer-debt-2024"},{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=en","language":"en","url":"https://newsverum.com/en/news/norway-interest-bearing-household-consumer-debt-2024"},{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=ar","language":"ar","url":"https://newsverum.com/ar/news/norway-interest-bearing-household-consumer-debt-2024"},{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=fr","language":"fr","url":"https://newsverum.com/fr/news/norway-interest-bearing-household-consumer-debt-2024"},{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=es","language":"es","url":"https://newsverum.com/es/news/norway-interest-bearing-household-consumer-debt-2024"},{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=de","language":"de","url":"https://newsverum.com/de/news/norway-interest-bearing-household-consumer-debt-2024"},{"api_url":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024?lang=pt","language":"pt","url":"https://newsverum.com/pt/news/norway-interest-bearing-household-consumer-debt-2024"}],"url":"https://newsverum.com/en/news/norway-interest-bearing-household-consumer-debt-2024"},"version":"1"}