The income of both employees and self-employed was higher than in the third quarter of 2024. Total employee compensation grew by 6.6 percent. The number of employee jobs grew by 1.7 percent, and collective labor agreement wages were 4.6 percent higher. The mixed income was 1.3 percent higher.
The increase in total received benefits amounted to 4.7 percent. This is mainly because benefits are often linked to the minimum wage, which increased by 5.3 percent compared to a year earlier. Households paid 5.1 percent more taxes and social premiums.
To arrive at the real disposable income, the net disposable income is adjusted for price increases.
In the third quarter of 2025, mortgage debt increased by 12.7 billion euros compared to the previous quarter. Mortgage debt is rising faster than last year because house prices in the third quarter were higher than a year earlier and more houses were sold. The mortgage debt as a percentage of GDP was slightly higher than in the previous quarter, namely 79.3 percent in the third quarter of 2025 compared to 79.2 percent a quarter earlier.
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