美国家庭犯罪率在按揭和学生贷款的驱动下,在2025年Q4上升至4.8%,债务达18.78万亿美元。 U.S. household delinquency rose to 4.8% in Q4 2025, driven by mortgages and student loans, with debt hitting $18.78 trillion.

根据纽约联邦储备银行的资料,美国家庭债务犯罪率在2025年Q4上升至4.8%,比前一个季度上升0.3个百分点。 U.S. household debt delinquency rose to 4.8% in Q4 2025, up 0.3 percentage points from the prior quarter, according to the Federal Reserve Bank of New York. 抵押贷款和学生贷款增加,而其他类型的债务则保持稳定。 Mortgage and student loan delinquencies increased, while other debt types remained stable. 家庭债务总额达到18.78万亿美元,增加了1910亿美元。 Total household debt reached $18.78 trillion, up $191 billion. 房价下跌的低收入地区和地区的违约率上升, 尽管整体抵押贷款违约率仍接近历史平均水平. Rising delinquencies are concentrated in lower-income areas and regions with declining home prices, though overall mortgage delinquency remains near historical averages.