It is based household poles become an important social issues, economic issues, as well as the psychological aspects of the consumer even has had a negative impact. In particular, the presence of the country's housing is an important parameter of the debt, the present study the effect of income on household mortgage debt in total debt and the debt service ratio(DTI) is depressed elderly consumers who are(CES-D) examined the moderating effect of the asset in the center.The first analysis, was found to be about 25% of depressed elderly subjects analysis of consumer customers, consumers and the general characteristics of depression in non-depressed consumer gender, age, subjective physical condition, debt service ratio (DTI) as showing the difference appeared.Second, older consumers are women than men, are more subjective physical health is poor, as the total household debt is low, debt service ratio (DTI) higher, the lower the household income showed that depression is high. Also found that debt service ratio (DTI) and household income have shown an interaction effect.This allows the old age of the woman consumer economic, contributing to psychological stability, and to provide specific information for improving the well-being.