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)’  |