Houshold debt is defined as all liabilities that require payment or payments of interest or principal by household to the creditor at a date or dates in the future. Consequently, all debt instruments are liabilities, but some liabilities such as shares, equity and financial derivatives are not considered as debt. According to the 1993 System of National Accounts, debt is thus obtained as the sum of the following liability categories, whenever available/applicable in the financial balance sheet of the households and non-profit institutions serving households sector, such as: currency and deposits; securities other than shares, except financial derivatives; loans; insurance technical reserves; and other accounts payable. For households, liabilities predominantly consist of loans, in particular mortgage loans for the purchase of houses. This indicator is measured as a percentage of NDI. Data are under 2008 System of National Accounts (SNA 2008) for all countries except for Chile, Japan and Turkey (SNA 1993).