{"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=tr","category":"finance","content":{"key_points":[],"paragraphs":["Statistics Norway, Norveç hanelerinin 2024’te 113 milyar NOK faiz işleyen teminatsız borcu bulunduğunu tahmin ediyor. Kişilerin yaklaşık onda dördü bu tür borcu olan bir hanede yaşıyordu; ancak yalnızca yüzde 5,1’i, yani 278.700 kişi, SSB’nin ağır teminatsız borç göstergesini karşılıyordu.","Gösterge, hanenin faizli teminatsız borcunun brüt hane gelirinin en az yüzde 25’i ve en az 3.000 NOK olmasını gerektiriyor. SSB, kişi düzeyindeki bu analizlerde öğrenci hanelerindeki kişileri dışarıda bırakıyor. Bu, borcun hane gelirine oranını ölçen bir göstergedir; temerrüt, gecikmiş ödeme veya iflas oranı değildir."],"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=tr&format=csv","json":"https://newsverum.com/api/v1/articles/norway-interest-bearing-household-consumer-debt-2024/data/reported-statistics?lang=tr&format=json"},"id":"reported-statistics"}],"data_types":["metrics"],"editorial_illustration":{"alt":"Finansal veri katmanları ve bilgi akışının kavramsal illüstrasyonu.","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":"tr","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":"tr","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":"Finansal veri katmanları ve bilgi akışının kavramsal illüstrasyonu.","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":"tr","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, Norveç hanelerinin 2024’te 113 milyar NOK faiz işleyen teminatsız borcu bulunduğunu tahmin ediyor. Kişilerin yaklaşık onda dördü bu tür borcu olan bir hanede yaşıyordu; ancak yalnızca yüzde 5,1’i, yani 278.700 kişi, SSB’nin ağır teminatsız borç göstergesini karşılıyordu.","text":"Statistics Norway, Norveç hanelerinin 2024’te 113 milyar NOK faiz işleyen teminatsız borcu bulunduğunu tahmin ediyor. Kişilerin yaklaşık onda dördü bu tür borcu olan bir hanede yaşıyordu; ancak yalnızca yüzde 5,1’i, yani 278.700 kişi, SSB’nin ağır teminatsız borç göstergesini karşılıyordu.\n\nStatistics Norway, Norveç hanelerinin 2024’te 113 milyar NOK faiz işleyen teminatsız borcu bulunduğunu tahmin ediyor. Kişilerin yaklaşık onda dördü bu tür borcu olan bir hanede yaşıyordu; ancak yalnızca yüzde 5,1’i, yani 278.700 kişi, SSB’nin ağır teminatsız borç göstergesini karşılıyordu.\n\nGösterge, hanenin faizli teminatsız borcunun brüt hane gelirinin en az yüzde 25’i ve en az 3.000 NOK olmasını gerektiriyor. SSB, kişi düzeyindeki bu analizlerde öğrenci hanelerindeki kişileri dışarıda bırakıyor. Bu, borcun hane gelirine oranını ölçen bir göstergedir; temerrüt, gecikmiş ödeme veya iflas oranı değildir.","title":"Norveç’te yaklaşık her 10 kişiden dördü faizli tüketici borcu olan bir hanede yaşıyor","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/tr/news/norway-interest-bearing-household-consumer-debt-2024"},"version":"1"}