In which countries is borrower solvency already a problem?

As long as interest rates are lower than the nominal growth rate, borrower solvency is easily ensured because income increases faster than the debt. Solvency constraints, which impose a minimum of savings, reappear as soon as the interest rate becomes higher than the growth rate. Most central banks are currently keeping interest rates very low; but are there countries where solvency constraints are appearing? This could be due either to a large risk premi um added to interest rates, or extremely low growth. This is currently the case only in Italy, due to a risk premium added to long-term interest rates, and extremely low growth.