표 3 부채 가계의 소득분위별 평균 부채 및 자산(단위: 만 원, 배)

		2018	2019	2020	2021	2022
1분위	소득	1,189.564	1,214.318	1,277.991	1,447.326	1,509.511
	부채	3,903.271	3,870.459	5,154.297	4,759.285	4,112.261
	자산	20,863.18	22,707.85	23,511.81	24,093.35	22,930.9
	금융자산	3,580.188	3,013.455	3,613.299	3,527.231	4,044.52
	실물자산	17,283	19,694.39	19,898.51	20,566.12	18,886.38
	부동산자산 (거주주택 제외)	5,908.202	7,433.146	5,876.398	6,297.511	4,963.69
	DTI	14.742	4.997	4.618	3.599	4.237
	DTFA	24.537	56.068	158.657	17.529	17.753
	DTRA	1.684	0.900	1.631	3.088	1.997
2분위	소득	2,657.584	2,768.225	2,781.753	2,949.772	3,102.45
	부채	6,639.49	5,810.813	6,953.237	7,154.008	7,390.641
	자산	27,195.42	26,820.95	29,306.22	33,138.54	37,889.41
	금융자산	4,632.45	5,077.865	4,910.742	5,326.231	5,389.597
	실물자산	22,562.97	21,743.08	24,395.48	27,812.31	32,608.81
	부동산자산 (거주주택 제외)	8,915.746	7,880.86	9,680.533	9,977.418	12,173.57
	DTI	2.579	2.170	2.559	2.506	2.476
	DTFA	23.863	10.075	16.096	23.685	9.152
	DTRA	1.330	2.763	4.340	2.094	2.951
3분위	소득	4,455.107	4,575.879	4,724.76	4,884.704	5,051.423
	부채	7,516.951	8,209.285	8,677.445	9,755.427	11,105.46
	자산	36,116.55	35,781.37	38,727.92	45,419.79	49,869.76
	금융자산	7,552.769	8,026.454	8,535.138	8,673.63	8,774.05
	실물자산	28,563.78	27,754.92	30,192.78	36,746.16	41,095.71
	부동산자산 (거주주택 제외)	9,739.791	8,495.37	11,056.12	14,766.57	14,608.61
	DTI	1.691	1.803	1.832	1.993	2.203
	DTFA	10.126	9.225	7.377	13.045	20.118
	DTRA	1.700	1.509	3.311	2.084	2.554
4분위	소득	6,870.106	6,944.857	7,181.172	7,321.271	7,635
	부채	11,041.22	10,894.12	12,532.68	13,361.88	12,426.6
	자산	52,002.14	53,415.57	56,465.48	61,820.01	63,638.43
	금융자산	12,301.84	10,781.93	11,316.56	12,683.35	12,457.67
	실물자산	39,700.29	42,633.64	45,148.92	49,136.66	51,180.76
	부동산자산 (거주주택 제외)	14,747.24	17,331.78	17,533.26	17,353.98	16,738.81
	DTI	1.606	1.568	1.761	1.832	1.657
	DTFA	5.343	5.966	10.490	4.852	4.334
	DTRA	1.370	1.716	1.864	2.386	2.086
5분위	소득	13,905.83	13,800.35	13,971.07	14,250.91	14,671.46
	부채	21,611.86	23,252.22	23,466.11	25,487.86	25,662.41
	자산	111,092	106,486.8	110,884.7	123,381.7	133,646.1
	금융자산	23,691.86	23,075.65	23,949.18	26,172.93	27,457.33
	실물자산	87,400.12	83,411.19	86,935.51	97,208.78	106,188.8
	부동산자산 (거주주택 제외)	45,727.99	42,458.4	47,661.75	52,013.86	52,058.2
	DTI	1.512	1.632	1.608	1.730	1.751
	DTFA	7.583	5.382	5.665	5.172	4.276
	DTRA	1.400	0.850	0.594	2.101	1.086

DTI, debt to income; DTFA, debt to financial assets; DTRA, debt to real assets.