Romanian households have EU's lowest debt burden

23 July 2026 Romanian households had the lowest debt-to-GDP ratio in the European Union at the end of 2025, with consolidated household debt amounting to 12.3% of GDP, according to Eurostat data cited by B1tv.ro. The indicator, which also includes debt held by non-profit institutions serving households, declined from 12.5% of GDP in 2024 to 12.3% in 2025. Romania ranked well below the next least-indebted countries in the bloc, with household debt standing at 18.3% of GDP in Hungary and 19.8% in Latvia. The EU average was 49.4% of GDP, meaning Romania's household indebtedness was around one-quarter of the bloc's average. At the opposite end of the ranking, the Netherlands recorded the highest household debt ratio in the EU at 93.5% of GDP, more than 7.5 times the Romanian level. The figures