The Chile Financial Market Commission released its 2025 Indebtedness Report, analysing debt among natural persons using data reported by supervised institutions, with a focus on bank debtors and a review of exposures to non-banking card issuers, savings and credit cooperatives, and mutual companies. As of June 2025, the median debt of bank debtors was CLP 1,680,453 in real terms, with a financial burden of 11.9% of monthly income and leverage of 1.9 times income, alongside a decline in over-indebtedness to 14.1% of debtors (those allocating more than 50% of monthly income to debt payments). The study estimates coverage of 84% of household obligations in Chile, spanning 6.1 million debtors across 47 financial institutions and CLP 121 trillion in consumer and housing loan debt. The share of bank debtors with unpaid debt of one or more days fell to 369,000 (6.1% of total debtors), and the median amount unpaid for one or more days was CLP 322,000, down 7.3% in real terms year on year. Consumer loans represented 24.7% of total debt (median CLP 1,159,275, down 10.4% year on year), while housing loans accounted for 75.3% (median CLP 51,757,425, up 6.3%); the report also noted lower indebtedness indicators for women than men and material regional variation in financial burdens. The CMF flagged that the Consolidated Debt Registry is due to enter into force in April 2026 and is expected to reduce current information gaps in assessing national indebtedness.

Original source View in tracker