Enquête HFCS résidents (national) (HFCS-LU)
    Financial and Consumer behaviour of Households in Luxembourg (national) (HFCS-LU)
    This survey of « the financial and consumer behaviour of households in Luxembourg », which was conducted jointly with the Luxembourg Central Bank (BCL), aims to describe the financial situation of private households living in Luxembourg. The results of this survey will in turn facilitate further research, thereby providing an even more solid basis for drafting common monetary policy. The survey is part of the Household Finance and Consumption Survey, a European project organised within the framework of the Eurosystem and coordinated by the European Central Bank.
    Cultural Heritage
    Household Budgets

    mortgages or loans using HMR as collateral
    TAG: Loans
    number of mortgages or loans using HMR as collateral
    TAG: Loans
    HMR mortgage $x: loan refinancing
    TAG: Loans
    HMR mortgage $x: purpose of the loan
    TAG: Loans
    HMR mortgage $x: year when loan taken or refinanced
    TAG: Loans
    HMR mortgage $x: initial amount borrowed
    TAG: Loans
    HMR mortgage $x: additional borrowing on the HMR mortgage
    TAG: Loans
    HMR mortgage $x: length of the loan at the time of borrowing/refinancing
    TAG: Loans
    HMR mortgage $x: amount still owed
    TAG: Loans
    HMR mortgage $x: adjustable interest rate
    TAG: Loans
    HMR mortgage $x: current interest loan of the HMR mortgage
    TAG: Loans
    HMR mortgage $x: monthly amount of payment made on loan
    TAG: Loans
    money still owed on additional HMR loans
    TAG: Loans
    monthly amount of payment made on additional HMR loans
    TAG: Loans
    has any non-collaterised loans
    TAG: Loans
    number of non-collaterised loans
    TAG: Loans
    non-collaterised loan $x: purpose of the loan
    TAG: Loans
    non-collaterised loan $x: amount initially borrowed
    TAG: Loans
    non-collaterised loan $x: intitial length of the loan
    TAG: Loans
    non-collaterised loan $x: outstanding balance of loan
    TAG: Loans
    non-collaterised loan $x: current interest rate of loan
    TAG: Loans
    non-collaterised loan $x: monthly payment on loan
    TAG: Loans
    total amount owed for additional non-collaterised loans
    TAG: Loans
    monthly payment on additional non-collateralised loans
    TAG: Loans
    has applied for loan/credit
    TAG: Loans
    was refused credit
    TAG: Loans
    re-applying for credit
    TAG: Loans
    not applying for credit due to perceived credit constrain
    TAG: Loans
    does anyone owe money to household
    TAG: Loans
    amount owned to household
    TAG: Loans

    LISER database access and use policy

    As part of its studies and research, LISER has collected large amounts of data from various projects the Institute has carried out since its creation. LISER has also conducted a significant number of surveys in the country and in bordering countries mainly concerning individuals and households, from which it has analysed and archived information.

    LISER aims to increase the value of the data collected by making it available to the scientific community.

    It is, therefore, necessary to lay down essential rules for accessing the Institute's different databases. These rules concern the confidentiality statutes that are to be complied with as well as general conditions of use and procedures for accessing the multiple databases.

    This policy specifies the types of databases LISER makes available, as well as how they can be used, either :

    • (a) Externally, by user requests from the scientific community,
    • (b) Internally, by all LISER employees or by visitors to LISER.

    Data access conditions

    By default, all the databases owned or co-owned by LISER are accessible to all LISER employees on simple request (using a confidentiality declaration form). There may be specific cases that differ, namely databases of which LISER is not the sole owner. For the latter case, each database has its own arrangements (generally a specific data agreement form).

    For people external to LISER, access to data varies depending on the legal status and confidentiality level of the database requested. Therefore, depending on the database's confidentiality level, access may be granted only within LISER (physical entity) through an individualised and secure IT account. In all cases, access is requested using a form (see 'How to make a request').

    The aim of our policy is to facilitate access to data for research. The rules laid down are not used to hinder research or any other arbitrary desire to control. Rather, the aim is to put researchers in a position of responsibility with regard to data whose dissemination may be limited due to legal obligations (protection of persons, professional secrecy, etc.) or due to the data producer's interest (privilege of use, right of quotation, etc.).

    How to make a request

    The data access procedures differ depending on the user and data status. In all cases, users must sign an individual commitment.

    Data can be requested :

    • By contacting the LISER Data Centre : dataservice@liser.lu,
    • Or by drawing up (if one is available for the database requested) a LISER Agreement on data access or provision. (downloadable).
      Users provide information on their status and are requested to indicate which research project their request relates to. The published and signed documents must be sent by post to the following address :

      The Luxembourg Institute of Socio-Economic Research (LISER)
      11 Porte des Sciences Campus Belval
      L-4366 Esch-sur-Alzette