Then, in the past few years, these ratios have been rising again.1 Both are now at record highs. 1 / 14  BIS central bankers' speeches  Although the debt-to-income ratio has increased over recent times, the ratio of debt to the value of the housing stock has not risen.
This reflects the large increase in housing prices and the growth in the number of homes. Over recent times, there has also been a substantial increase in the value of households’ financial assets, with the result that the ratio of household wealth to income is at a record high (Graph 2).