Households saved 14.8% of their disposable income in 2025. The highest saving rate since 1995 was 22.9% in 2020.
Finance
- Pensions and social benefits reduce income inequality: the Gini coefficient falls from 42.7% to 24.6% (2025).
- The effective interest rate (APRC) on new housing loans was 3.8% in September 2026. It was lowest in January 2022: 2.0%.
- Banks granted households EUR 2.15 billion in new housing loans in 2025. The record was EUR 2.31 billion in 2022.
- Households owed banks EUR 9.97 billion in housing loans in September 2026, compared with EUR 1.98 billion in January 2007.