He has propensity for getting into debt.

Characteristic : typical of a particular person, place, or thing.
Quality : the standard of something as measured against other things of a similar kind; the degree of excellence of something.
Tendency : an inclination towards a particular characteristic or type of behaviour.
Aptitude : a natural ability to do something.
Propensity : an inclination or natural tendency to behave in a particular way.

Synonym of Propensity is Tendency