expects to receive inheritance/gift
0 = [0]no
1 = [1]yes
2 = [2]possibly

home equity line of credit (dummy)
0 = [0]does not have home equity line of credit
1 = [1]has home equity line of credit

non-home equity lines of credit (dummy)
0 = [0]does not have non-home equity line of credit
1 = [1]has non-home equity line of credit

inheritance/gift received (dummy)
0 = [0]did not receive inheritance/gift
1 = [1]received inheritance/gift

year inheritance/gift received,(4)
1963 = [1963]1963
1965 = [1965]1965
1968 = [1968]1968
1971 = [1971]1971
1977 = [1977]1977
1980 = [1980]1980
1985 = [1985]1985
1988 = [1988]1988
1990 = [1990]1990
1992 = [1992]1992
1997 = [1997]1997
1998 = [1998]1998
1999 = [1999]1999
2000 = [2000]2000
2001 = [2001]2001
2004 = [2004]2004
2006 = [2006]2006
2008 = [2008]2008
2009 = [2009]2009
2010 = [2010]2010
2012 = [2012]2012
2013 = [2013]2013
2014 = [2014]2014

type of inheritence/gift received,(1)
10 = [10]non-financial
11 = [11]real estate
12 = [12]family business
13 = [13]valuables and durables
20 = [20]financial
21 = [21]cash
22 = [22]cash-equivalent capital investments
30 = [30]both non-financial and financial
40 = [40]unspecified

from whom inheritance/gift received,(1)
1 = [1]grandparent(s)(incl in-laws)
2 = [2]parent(s)(incl in-laws)
3 = [3]sibling(s)(incl in-laws)
4 = [4]child(ren)(incl in-laws)
5 = [5]other relative(s)
6 = [6]non-relative(s)
7 = [7]unspecified

household member who received inheritance/gift,(1)
10 = [10]head of household
20 = [20]spouse
30 = [30]others
31 = [31]head's child(ren)(incl in-laws)
32 = [32]head's grandchild(ren)(incl in-laws)
33 = [33]head's parent(s)/grandparent(s)(incl in-laws)
34 = [34]head's sibling(s)(incl in-laws)
35 = [35]other relative(s) of head
36 = [36]non-relative(s)
40 = [40]unspecified

possession of credit cards (dummy)
0 = [0]does not have credit cards
1 = [1]has credit cards

number of credit cards
0 = [0]no credit cards
1 = [1]1 card
2 = [2]2 cards
3 = [3]3 cards
4 = [4]4 cards
5 = [5]5 cards
6 = [6]6 cards
7 = [7]7 cards
8 = [8]8 cards

ability to get emergency financial aid (dummy)
0 = [0]not able to get emergency financial aid
1 = [1]able to get emergency financial aid

loan consolidation (dummy)
0 = [0]did not consolidate loan(s)
1 = [1]consolidated loan(s)

objective credit constraints,(1)
100 = [100]applied
110 = [110]applied and received requested amount
111 = [111]applied, loan granted in full for property
112 = [112]applied, loan granted in full for consumer goods
113 = [113]applied, loan granted in full for business purposes
120 = [120]applied and received less
121 = [121]applied, loan partly granted for property becuse no collateral
122 = [122]applied, loan partly granted for property becuse report by Central Credit Register
123 = [123]applied, loan partly granted for property becuse of other reasons
124 = [124]applied, loan partly granted for consumer goods becuse no collateral
125 = [125]applied, loan partly granted for consumer goods becuse report by Central Credit Register
126 = [126]applied, loan partly granted for consumer goods becuse of other reasons
127 = [127]applied, loan partly granted for business purposes becuse no collateral
128 = [128]applied, loan partly granted for business purposes becuse report by Central Credit Register
129 = [129]applied, loan partly granted for business purposes becuse of other reasons
130 = [130]applied and was rejected
131 = [131]applied, loan rejected for property becuse no collateral
132 = [132]applied, loan rejected for property becuse report by Central Credit Register
133 = [133]applied, loan rejected for property becuse of other reasons
134 = [134]applied, loan rejected for consumer goods becuse no collateral
135 = [135]applied, loan rejected for consumer goods becuse report by Central Credit Register
136 = [136]applied, loan rejected for consumer goods goods becuse of other reasons
137 = [137]applied, loan rejected for business purposes becuse no collateral
138 = [138]applied, loan rejected for business purposes becuse report by Central Credit Register
139 = [139]applied, loan rejected for business purposes becuse of other reasons
200 = [200]did not apply

subjective credit constraints: considered applying for a loan but affraid of ref
110 = [110]didn't apply for loan in 2014: feared of being turned down
120 = [120]didn't apply for loan in 2014: did not fear of being turned down
200 = [200]applied for loan in 2014

Expectations about household financial spending by the end of 2015
1 = [1]will have spent less than the annual income, managing to put some aside as savings
2 = [2]will have spent all the annual income, without managing to save anything
3 = [3]will have spent more than the annual income, and will have to use savings or go into debt

owns family business
0 = [0]no
1 = [1]yes

number of household members with labour income
0 = [0]no hh member with labour income
1 = [1]1 hh member with labour income
2 = [2]2 hh members with labour income
3 = [3]3 hh members with labour income
4 = [4]4 hh members with labour income
5 = [5]5 hh members with labour income

region of residence, Istat codes (national institute of statistics) - NUTS2
1 = [1]ITC1 - Piemonte
2 = [2]ITC2 - Valle d'Aosta
3 = [3]ITC4 - Lombardia
4 = [4]ITH1 and ITH2 - Trentino
5 = [5]ITH3 - Veneto
6 = [6]ITH4 - Friuli
7 = [7]ITC3 - Liguria
8 = [8]ITH5 - Emilia Romagna
9 = [9]ITI1 - Toscana
10 = [10]ITI2 - Umbria
11 = [11]ITI3 - Marche
12 = [12]ITI4 - Lazio
13 = [13]ITF1 - Abruzzo
14 = [14]ITF2 - Molise
15 = [15]ITF3 - Campania
16 = [16]ITF4 - Puglia
17 = [17]ITF5 - Basilicata
18 = [18]ITF6 - Calabria
19 = [19]ITG1 - Sicilia
20 = [20]ITG2 - Sardegna

size of locality
1 = [1]0-5.000 inhabitants
2 = [2]5.000-20.000 inhabitants
3 = [3]20.000-40.000 inhabitants
4 = [4]40.000-50.000 inhabitants
5 = [5]50.000-200.000 inhabitants
6 = [6]200.000-500.000 inhabitants
7 = [7]more than 500.000 inhabitants

rural area (dummy)
0 = [0]not rural area
1 = [1]rural area

owned/rented housing
100 = [100]owned
110 = [110]owned outright
120 = [120]owned with mortgage
200 = [200]not owned
210 = [210]rented
211 = [211]rented at market price
212 = [212]subsidised rent
220 = [220]free housing
221 = [221]employer provided housing
222 = [222]government/public provided housing
223 = [223]provided by others
224 = [224]illegal occupation

type of dwelling
100 = [100]house
110 = [110]detached house
120 = [120]non-detached house
200 = [200]multi-unit residential building
210 = [210]apartment/flat
220 = [220]other multi-unit
300 = [300]other type of dwelling
310 = [310]movable dwelling
320 = [320]informal dwelling

farming activity (dummy)
0 = [0]no farming activity
1 = [1]farming activity

data wave
0 = [0]Historical Wave
1 = [1]Wave I
2 = [2]Wave II
3 = [3]Wave III
4 = [4]Wave IV
5 = [5]Wave V
6 = [6]Wave VI
7 = [7]Wave VII
8 = [8]Wave VIII
9 = [9]Wave IX
10 = [10]Wave X
11 = [11]Wave XI
12 = [12]Wave XII
13 = [13]Wave XIII

currency units
528 = [528]NLG - Netherlands Guilder (historic)

gross/net income information
100 = [100]gross, taxes and contributions fully captured
110 = [110]gross, taxes and contributions collected
120 = [120]gross, taxes and contributions imputed
200 = [200]net, taxes and contributions not captured
300 = [300]mixed, taxes and contributions insufficiently captured
310 = [310]mixed, total income account for full taxes and contributions, subcomponents do not
320 = [320]mixed, total income does not account for full taxes and contributions

number of household members
1 = [1]1 hh member
2 = [2]2 hh members
3 = [3]3 hh members
4 = [4]4 hh members
5 = [5]5 hh members
6 = [6]6 hh members
7 = [7]7 hh members
8 = [8]8 hh members
9 = [9]9 hh members
10 = [10]10 hh members

number of household members 65 or older
0 = [0]no hh members 65 or older
1 = [1]1 hh member 65 or older
2 = [2]2 hh members 65 or older
3 = [3]3 hh members 65 or older
4 = [4]4 hh members 65 or older

number of household members 17 or younger
0 = [0]no hh members 17 or younger
1 = [1]1 hh member 17 or younger
2 = [2]2 hh member 17 or younger
3 = [3]3 hh member 17 or younger
4 = [4]4 hh member 17 or younger
5 = [5]5 hh member 17 or younger

number of household members 13 or younger
0 = [0]no hh members 13 or younger
1 = [1]1 hh member 13 or younger
2 = [2]2 hh member 13 or younger
3 = [3]3 hh member 13 or younger
4 = [4]4 hh member 13 or younger
5 = [5]5 hh member 13 or younger

household composition
100 = [100]one person household
210 = [210]couple without children
220 = [220]couple with children
230 = [230]one parent with children
310 = [310]couple without children and relatives
320 = [320]couple with children and relatives
330 = [330]one parent with children and relatives
400 = [400]relatives living together (no family nucleus)
510 = [510]couple without children and nonrelatives
520 = [520]couple with children and nonrelatives
530 = [530]one parent with children and nonrelatives
610 = [610]couple without children and relatives and nonrelatives
620 = [620]couple with children and relatives and nonrelatives
630 = [630]one parent with children and relatives and nonrelatives
700 = [700]relatives and nonrelatives living together (no family nucleus)
800 = [800]nonrelatives living together
900 = [900]head and other
910 = [910]couple without children and other
920 = [920]couple with children and other
930 = [930]one parent with children and other

head living with partner (dummy)
0 = [0]head not living with partner
1 = [1]head living with partner

0 = [0]no income imputation
1 = [1]income imputation