COMMISSION DELEGATED REGULATION (EU) 2025/367
of 25 November 2024
supplementing Regulation (EU) 2019/1700 of the European Parliament and of the Council by specifying the number and the title of the variables for over-indebtedness, consumption and wealth in the income and living conditions domain and amending Delegated Regulation (EU) 2022/29
(Text with EEA relevance)
Article 1
Article 2
Article 3
ANNEX I
Set of variables |
Detailed topic |
Variable identifier |
Variable name |
Over-indebtedness, consumption and wealth |
Over-indebtedness, including reasons (14 variables collected) |
HI022 |
Arrears on non-housing bills |
HI090 |
Number of loans (excluding mortgages on purchase of main residence) |
||
HI101 |
Loans on property (including household furniture, appliances and interior decoration and excluding mortgages on purchase of main residence) |
||
HI102 |
Loans on car, motorcycle, caravan, van, bike or other means of transport |
||
HI103 |
Loans on healthcare |
||
HI104 |
Loans on education |
||
HI105 |
Loans to cover daily expenses |
||
HI106 |
Loans on other purposes (excluding mortgages on purchase of main residence) |
||
HI120 |
Amount due last month on loans (excluding mortgages on purchase of main residence) |
||
HI111 |
Loans (excluding mortgages on purchase of main residence) taken from bank or other financial institution (such as credit union, microcredit provider) |
||
HI112 |
Loans (excluding mortgages on purchase of main residence) taken from payday loan company or pawnbroker/cash converter |
||
HI113 |
Loans (excluding mortgages on purchase of main residence) taken from private sources (such as family, friends) |
||
HI114 |
Loans (excluding mortgages on purchase of main residence) taken using ‘buy now pay later’ or in store credit/loan instalment purchase from the seller |
||
HI115 |
Loans (excluding mortgages on purchase of main residence) taken from other sources |
||
Consumption (5 variables collected) |
HC310 |
Food or drink at home |
|
HC320 |
Food or drink outside home |
||
HC330 |
Public transport |
||
HC340 |
Private transport |
||
HC350 |
Savings (in a typical month) |
||
Wealth, including dwelling ownership (4 collected variables) |
HV010 |
Value of the main residence |
|
HV070 |
Total left to repay for the mortgage on main residence |
||
HV020 |
Possession of real estate other than main residence |
||
HV080 |
Ability to maintain the same standard of living using savings |
||
Assessment of own needs (1 collected variable) |
HS130 |
Lowest monthly income to make ends meet |
ANNEX II
‘Set of variables |
Detailed topic |
Variable identifier |
Variable name |
Labour market and housing |
Characteristics of the workplace (4 collected variables) |
PL230 |
Public/private employment sector |
PW100 |
Job satisfaction |
||
PL260 |
Usual hours worked per week |
||
PL130 |
Size of the local unit for main job |
||
Employment status (2 collected variables) |
PL120 |
Reason for working less than 30 hours |
|
PL280 |
Length of registration of unemployment |
||
Educational attainment – details, including education interrupted or abandoned (2 collected variables) |
PE030 |
Year when highest level of education was attained |
|
PE050 |
Educational interrupted or abandoned |
||
Housing conditions details, including deprivation and imputed rent (14 collected variables: 12 variables compulsory, 2 variables optional) |
HS160 |
Problems with the dwelling: too dark, not enough light |
|
HS170 |
Noise from the neighbours or from the street |
||
HC020 |
Size of the dwelling in square metres |
||
HC001 |
Heating system used |
||
HC002 |
Main energy source |
||
HC007 |
Total energy cost |
||
HC080 |
Overall satisfaction with the dwelling |
||
HY030 |
Imputed rent |
||
HH040 |
Leaking roof, damp walls/floors/foundation, or rot in window frames or floor |
||
HS140 |
Financial burden of the total housing cost |
||
HS180 |
Pollution, grime or other environment problems |
||
HS190 |
Crime, violence or vandalism in the area |
||
HH081 |
Bath or shower in dwelling (OPTIONAL) |
||
HH091 |
Indoor flushing toilet for sole use of the household (OPTIONAL)’ |