March 16, 2009
Household & Business Debt as Share of GDP
One of the headwinds facing the government as it seeks to get credit flowing again is that households and businesses are reluctant to borrow right now unless they have to, for example commercial property owners who need to roll over their loans. Outstanding household debt obligations, including mortgage and consumer credit, are close to 100 percent of GDP, while non-financial business debt is near 80 percent of GDP, the highest such ratios since the Federal Reserve began tracking the data after World War II. Households and businesses are cutting their spending in order to pay down debt. While this makes sense in a weak economy, it contributes to the downturn when everyone does it at the same time. Retailers and their shopping center landlords are feeling the effects as consumers boost their savings, while office and industrial property owners are being hit as businesses downsize or postpone expansion plans in order to strengthen their balance sheets.
Source: Federal Reserve, Bureau of Economic Analysis, Grubb & Ellis
Robert Bach, Senior Vice President, Chief Economist, has 30 years of professional experience in real estate market research, consulting and city planning. His commentary on the real estate markets is provided here on a weekly basis.
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