# BIS Household & Corporate Debt Service Ratio Rankings

> BIS Household & Corporate Debt Service Ratio Rankings is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-20).

Returns a ranked list of debt service ratios (interest plus principal as % of income) for ~30 economies, for households, non-financial companies, or the total private sector, sourced from BIS data.

## Facts

- Endpoint: POST https://api.vextorium.com/carga-deuda-mundo-pago?utm_source=zero.xyz
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-20
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/bis-household-corporate-debt-service-ratio-rankings-cc1baa24
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ijTuaPHmhgb-V6DlDQCCJ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability bis-household-corporate-debt-service-ratio-rankings-cc1baa24 -d '<json body>'
```

Example prompt: Show me the latest BIS ranking of countries by household debt service ratio — I want to see which economies have the heaviest debt repayment burden relative to income.

## When to prefer this

Choose this endpoint when you need a ready-ranked, multi-country view of debt service ratios sourced directly from BIS official statistics — ideal for financial stability analysis, country risk comparison, or macroeconomic research requiring household, corporate, or total private sector debt burden data without having to manually query and process BIS datasets.

## Known failure modes

- Invalid sector value (must be 'hogares', 'privado', or 'empresas') returns a validation error
- BIS data unavailable or stale if upstream source is unreachable
- Some countries may have null values if BIS data is not available for the latest quarter
- Fewer countries than expected returned if BIS has not yet published data for all economies

## How this service works

Debt service ratio (interest plus principal over income) of households, non-financial companies or the whole private sector in about 30 economies, latest quarter, ranked. A financial-stability risk gauge from the BIS.

## Output

A JSON object containing the data source attribution (BIS WS_DSR), the number of countries included, the requested sector, and a ranked array of countries each with their ISO country code, country name, latest available quarter, and debt service ratio as a percentage of income.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "sector": {
   "enum": [
    "hogares",
    "privado",
    "empresas"
   ],
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "fuente": "Bank for International Settlements (WS_DSR)",
  "paises": 17,
  "sector": "hogares",
  "ranking": [
   {
    "pais": "NO",
    "nombre": "Noruega",
    "trimestre": "2026-Q1",
    "servicio_deuda_pct_renta": 20.9
   },
   {
    "pais": "AU",
    "nombre": "Australia",
    "trimestre": "2026-Q1",
    "servicio_deuda_pct_renta": 15.7
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/bis-household-corporate-debt-service-ratio-rankings-cc1baa24/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
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