Economic Situation: Housing > Wave 18
Longitudinal Wave
General Information
Title
Wave 18
Project Number
11.18
Abstract
This is the eighteenth wave of the survey Housing. This survey is part of the LISS Core Study.
Longitudinal Type
Longitudinal Wave
Begin date
07-07-2025
End date
26-08-2025
Researcher
Evi de Cock (Centerdata)
Publisher
Centerdata
Copyright
© 2025 Centerdata
DOI
https://doi.org/10.57990/fnnf-j666
Funding Organization
ODISSEI
OCW (Domeinplan SSH)
De Nederlandsche Bank (DNB)
OCW (Domeinplan SSH)
De Nederlandsche Bank (DNB)
Datasets and documentation
View Documentation
Codebook in English
Codebook in Dutch
Data Files
English SPSS file
English STATA file
English CSV file
Variables
| Variable name | Variable Label |
|---|---|
| nomem_encr | Number of household member encrypted |
| cd25r_m | Year and month of field work period |
| cd25r091 | Please indicate on a scale from 0 to 10 how satisfied you are with the dwelling that you currently inhabit. |
| cd25r092 | Can you indicate on a scale from 0 to 10 how satisfied you are with the vicinity of your current dwelling? |
| cd25r101 | Have you moved house in the past year (after July 1, 2024)? |
| cd25r100 | Do you intend to move house between now and 2 years from now? |
| cd25r003 | Are you a tenant, subtenant, or (co-)owner of your current dwelling? |
| cd25r005 | Do you pay rent or compensation? |
| cd25r097 | Which situation applies to you: |
| cd25r093 | Do you pay rent (or compensation) per: |
| cd25r008 | How much is the rent (or compensation) per period? |
| cd25r009 | Does the amount of rent (or compensation payment) include costs for water, electricity, gas, heating and other energy or service costs? |
| cd25r010 | What is the total sum of the costs for water, electricity, gas, heating and other energy or service costs, included in the indicated rent amount (or compensation payment)? |
| cd25r088 | Do you receive any rent benefit (through the Tax Administration)? |
| cd25r013 | How much is this rent benefit per month? |
| cd25r098 | Did you receive rent subsidy (through the Tax and Customs Administration) in 2024? |
| cd25r102 | How did you become the owner of your dwelling? Did you buy, build, inherit or receive it as a gift? |
| cd25r014 | In what year did you [buy / build / inherit / receive] your (current) dwelling? |
| cd25r103 | The moment you [bought / built / inherited / received] the house, did you take out a mortgage? |
| cd25r104 | What is the total amount on the mortgages you took out at that time? Amount |
| cd25r105 | What is the total amount on the mortgages you took out at that time? Currency |
| cd25r106 | Have you received a gift from your parents (in law) or other relatives to (help) finance the purchase or interior of your current dwelling? |
| cd25r107 | How much did you receive from your parents (in law) or other relatives for your current dwelling? |
| cd25r015 | On 31 December 2024 did you have a mortgage or loan (or bridging loan) on this dwelling? |
| cd25r083 | What amount was the remaining debt of all mortgage(s) or loan(s) at December 31 2024? |
| cd25r108 | Do you have a National Mortgage Guarantee (NHG) for the mortgage/mortgages on this dwelling? |
| cd25r109 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? directly with a bank or other financial institution without the involvement of an intermediary, agent, or mediator |
| cd25r110 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? through a real estate agent, personal property agent and the like |
| cd25r111 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? through an insurance broker, insurance office, insurance agent etc. |
| cd25r112 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? through the Hypotheekshop, Hypotheker, Hypotheekvisie etc. |
| cd25r113 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? through the employer |
| cd25r114 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? through Internet |
| cd25r115 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? otherwise, namely: |
| cd25r116 | Through which channel or mediator have you taken out your mortgages (or mortgage portions)? otherwise, namely: [text] |
| cd25r117 | With which financial institution have you taken out the mortgages (or mortgage portions)? ABN Amro |
| cd25r118 | With which financial institution have you taken out the mortgages (or mortgage portions)? Rabobank |
| cd25r119 | With which financial institution have you taken out the mortgages (or mortgage portions)? ING bank |
| cd25r120 | With which financial institution have you taken out the mortgages (or mortgage portions)? Postbank |
| cd25r121 | With which financial institution have you taken out the mortgages (or mortgage portions)? SNS bank |
| cd25r122 | With which financial institution have you taken out the mortgages (or mortgage portions)? FORTIS bank |
| cd25r123 | With which financial institution have you taken out the mortgages (or mortgage portions)? Nationale Nederlanden |
| cd25r124 | With which financial institution have you taken out the mortgages (or mortgage portions)? AEGON |
| cd25r125 | With which financial institution have you taken out the mortgages (or mortgage portions)? AMEV |
| cd25r126 | With which financial institution have you taken out the mortgages (or mortgage portions)? Bouwfonds Nederlandse Gemeenten |
| cd25r127 | With which financial institution have you taken out the mortgages (or mortgage portions)? ABP |
| cd25r128 | With which financial institution have you taken out the mortgages (or mortgage portions)? Obvion |
| cd25r129 | With which financial institution have you taken out the mortgages (or mortgage portions)? MUNT Hypotheken |
| cd25r130 | With which financial institution have you taken out the mortgages (or mortgage portions)? Achmea |
| cd25r131 | With which financial institution have you taken out the mortgages (or mortgage portions)? Florius |
| cd25r132 | With which financial institution have you taken out the mortgages (or mortgage portions)? other financial institution, namely: |
| cd25r133 | With which financial institution have you taken out the mortgages (or mortgage portions)? other financial institution, namely: [text] |
| cd25r134 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? annuity mortgage |
| cd25r135 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? savings and life mortgage |
| cd25r136 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? linear mortgage |
| cd25r137 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? endowment mortgage |
| cd25r138 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? investment mortgage |
| cd25r139 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? interest only mortgage |
| cd25r140 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? bank saving mortgage |
| cd25r141 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? other sort of mortgage, namely: |
| cd25r142 | What sort of mortgage do you have and what is the remaining debt (residual debt) per mortgage on this property on 31 December 2024? other sort of mortgage, namely: [text] |
| cd25r143 | For what purpose did you use the money from the mortgages (or mortgage portions)? Purchase of own house / refinancing existing mortgage |
| cd25r144 | For what purpose did you use the money from the mortgages (or mortgage portions)? Purchase of other real estate / second house (land, holiday house etc.) |
| cd25r145 | For what purpose did you use the money from the mortgages (or mortgage portions)? Property improvement (redecorating, renovating house, refurbishing, kitchen etc.) |
| cd25r146 | For what purpose did you use the money from the mortgages (or mortgage portions)? Purchase of vehicle (car, boat etc.) |
| cd25r147 | For what purpose did you use the money from the mortgages (or mortgage portions)? Purchase of electronic equipment, furniture |
| cd25r148 | For what purpose did you use the money from the mortgages (or mortgage portions)? Financing of business or professional activity, business investment |
| cd25r149 | For what purpose did you use the money from the mortgages (or mortgage portions)? Holiday, world trip, party etc. |
| cd25r150 | For what purpose did you use the money from the mortgages (or mortgage portions)? Paying off consumer debts / other loans |
| cd25r151 | For what purpose did you use the money from the mortgages (or mortgage portions)? Savings account |
| cd25r152 | For what purpose did you use the money from the mortgages (or mortgage portions)? Purchase of stocks/ investments |
| cd25r153 | For what purpose did you use the money from the mortgages (or mortgage portions)? Pension arrangements/old-age/early retirement/life insurance |
| cd25r154 | For what purpose did you use the money from the mortgages (or mortgage portions)? Studies, education, education of the children |
| cd25r155 | For what purpose did you use the money from the mortgages (or mortgage portions)? Cost of living |
| cd25r156 | For what purpose did you use the money from the mortgages (or mortgage portions)? Other, namely: |
| cd25r157 | For what purpose did you use the money from the mortgages (or mortgage portions)? Other, namely: [text] |
| cd25r158 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Purchase of own house / refinancing existing mortgage |
| cd25r159 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Purchase of other real estate / second house (land, holiday house etc.) |
| cd25r160 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Property improvement (redecorating, renovating house, refurbishing, kitchen etc.) |
| cd25r161 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Purchase of vehicle (car, boat etc.) |
| cd25r162 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Purchase of electronic equipment, furniture |
| cd25r163 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Financing of business or professional activity, business investment |
| cd25r164 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Holiday, world trip, party etc. |
| cd25r165 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Paying off consumer debts / other loans |
| cd25r166 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Savings account |
| cd25r167 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Purchase of stocks/ investments |
| cd25r168 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Pension arrangements/old-age/early retirement/life insurance |
| cd25r169 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Studies, education, education of the children |
| cd25r170 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Cost of living |
| cd25r171 | Can you indicate for each purpose how much of the original mortgage loans you used for this? Other, namely: [cd25r157] |
| cd25r172 | After taking out the original mortgage, did you loan additional money one or more times using the dwelling as collateral, for example by [...] |
| cd25r173 | What was the total amount of the additional loans/increases? |
| cd25r174 | For what purpose did you use the money from the additional loans/increases? Purchase of own house / refinancing existing mortgage |
| cd25r175 | For what purpose did you use the money from the additional loans/increases? Purchase of other real estate / second house (land, holiday house etc.) |
| cd25r176 | For what purpose did you use the money from the additional loans/increases? Property improvement (redecorating, renovating house, refurbishing, kitchen etc.) |
| cd25r177 | For what purpose did you use the money from the additional loans/increases? Purchase of vehicle (car, boat etc.) |
| cd25r178 | For what purpose did you use the money from the additional loans/increases? Purchase of electronic equipment, furniture |
| cd25r179 | For what purpose did you use the money from the additional loans/increases? Financing of business or professional activity, business investment |
| cd25r180 | For what purpose did you use the money from the additional loans/increases? Holiday, world trip, party etc. |
| cd25r181 | For what purpose did you use the money from the additional loans/increases? Paying off consumer debts / other loans |
| cd25r182 | For what purpose did you use the money from the additional loans/increases? Savings account |
| cd25r183 | For what purpose did you use the money from the additional loans/increases? Purchase of stocks/ investments |
| cd25r184 | For what purpose did you use the money from the additional loans/increases? Pension arrangements/old-age/early retirement/life insurance |
| cd25r185 | For what purpose did you use the money from the additional loans/increases? Studies, education, education of the children |
| cd25r186 | For what purpose did you use the money from the additional loans/increases? Cost of living |
| cd25r187 | For what purpose did you use the money from the additional loans/increases? Other, namely: |
| cd25r188 | For what purpose did you use the money from the additional loans/increases? Other, namely: [text] |
| cd25r189 | Can you indicate for each purpose how much of the loans/increases you used for this? Purchase of own house / refinancing existing mortgage |
| cd25r190 | Can you indicate for each purpose how much of the loans/increases you used for this? Purchase of other real estate / second house (land, holiday house etc.) |
| cd25r191 | Can you indicate for each purpose how much of the loans/increases you used for this? Property improvement (redecorating, renovating house, refurbishing, kitchen etc.) |
| cd25r192 | Can you indicate for each purpose how much of the loans/increases you used for this? Purchase of vehicle (car, boat etc.) |
| cd25r193 | Can you indicate for each purpose how much of the loans/increases you used for this? Purchase of electronic equipment, furniture |
| cd25r194 | Can you indicate for each purpose how much of the loans/increases you used for this? Financing of business or professional activity, business investment |
| cd25r195 | Can you indicate for each purpose how much of the loans/increases you used for this? Holiday, world trip, party etc. |
| cd25r196 | Can you indicate for each purpose how much of the loans/increases you used for this? Paying off consumer debts / other loans |
| cd25r197 | Can you indicate for each purpose how much of the loans/increases you used for this? Savings account |
| cd25r198 | Can you indicate for each purpose how much of the loans/increases you used for this? Purchase of stocks/ investments |
| cd25r199 | Can you indicate for each purpose how much of the loans/increases you used for this? Pension arrangements/old-age/early retirement/life insurance |
| cd25r200 | Can you indicate for each purpose how much of the loans/increases you used for this? Studies, education, education of the children |
| cd25r201 | Can you indicate for each purpose how much of the loans/increases you used for this? Cost of living |
| cd25r202 | Can you indicate for each purpose how much of the loans/increases you used for this? Other, namely: [cd25r188] |
| cd25r203 | How much did you pay in total for regular mortgage costs (interest, repayment, premium) in 2024? |
| cd25r204 | Did you make one or more one-off additional repayments in 2024? |
| cd25r205 | What was the total amount of your one-off additional repayments in 2024? |
| cd25r020 | Was any interest paid over this or these mortgage(s) or loan(s) in 2024? |
| cd25r021 | What was the total amount of interest paid over this or these mortgage(s) or loan(s) in 2024? |
| cd25r206 | Does your mortgage/one of your mortgages (or mortgage portions) have a variable interest rate? |
| cd25r207 | How many years until the (first) fixed-interest period expires? |
| cd25r208 | You previously indicated that your mortgage is linked to an insurance policy or a savings or investment deposit. What was the total value you had built up in this on 31 December 2024? Amount |
| cd25r209 | You previously indicated that your mortgage is linked to an insurance policy or a savings or investment deposit. What was the total value you had built up in this on 31 December 2024? Currency |
| cd25r024 | What price would the property approximately fetch, in your opinion, if you were to sell it today? |
| cd25r025 | [What was the purchase price for which you bought your current dwelling, excluding buyer's costs?/What was the value of your current dwelling when it was completed/when you inherited it/when you acquired it?] Amount |
| cd25r026 | [What was the purchase price for which you bought your current dwelling, excluding buyer's costs?/What was the value of your current dwelling when it was completed/when you inherited it/when you acquired it?] Currency |
| cd25r027 | [What was the purchase price for which you bought your current dwelling, excluding buyer's costs?/What was the value of your current dwelling when it was completed/when you inherited it/when you acquired it?] Terms of sale |
| cd25r099 | What is the most recently determined WOZ value of your dwelling? |
| cd25r030 | Do you pay service costs or an amount to an association of owners? |
| cd25r094 | Per what period do you pay service costs or an amount to an association of owners? |
| cd25r033 | How much do you pay in service costs or to an association of owners per period? |
| cd25r210 | In your opinion, has the value of your property increased, decreased or remained the same in the past two years? |
| cd25r211 | In your opinion, by how much has the value of your home [cd25r210] over the past two years? |
| cd25r034 | How many rooms does your dwelling contain? |
| cd25r035 | Does your dwelling contain any special adjustments for people with physical or health problems? |
| cd25r036 | In what year did you or your household take up residence in your current dwelling? |
| cd25r038 | What type of dwelling do you inhabit? |
| cd25r039 | How many floors does the dwelling consist of? |
| cd25r041 | Does your dwelling have one or more of the following problems? - the dwelling is too small |
| cd25r089 | Does your dwelling have one or more of the following problems? - the dwelling is too large |
| cd25r042 | Does your dwelling have one or more of the following problems? - the dwelling is too dark |
| cd25r043 | Does your dwelling have one or more of the following problems? - the dwelling has inadequate heating |
| cd25r044 | Does your dwelling have one or more of the following problems? - the dwelling has a leaking roof |
| cd25r045 | Does your dwelling have one or more of the following problems? - the dwelling has damp walls or floors |
| cd25r046 | Does your dwelling have one or more of the following problems? - the dwelling has rotten window frames or floors |
| cd25r047 | Does your dwelling have one or more of the following problems? - the dwelling is too noisy |
| cd25r048 | Does your dwelling have one or more of the following problems? - none of these |
| cd25r049 | Are you ever confronted with the problems listed below in your home environment? - noise annoyance caused by neighbors |
| cd25r050 | Are you ever confronted with the problems listed below in your home environment? - noise annoyance caused by factories, traffic or other street sounds |
| cd25r090 | Are you ever confronted with the problems listed below in your home environment? - noise annoyance caused by air traffic |
| cd25r051 | Are you ever confronted with the problems listed below in your home environment? - stench, dust or dirt, caused by traffic or industry |
| cd25r052 | Are you ever confronted with the problems listed below in your home environment? - vandalism or crime |
| cd25r053 | Are you ever confronted with the problems listed below in your home environment? - none of these |
| cd25r054 | Do you rent out part of your dwelling? |
| cd25r058 | Do you have (or rent) a second dwelling? This is not about timesharing. |
| cd25r212 | Is your second dwelling in the Netherlands or abroad? |
| cd25r060 | Are you a tenant, subtenant or owner of this second dwelling? |
| cd25r061 | Did you have one or more mortgages or loans on this second dwelling on 31 December 2024? (you may disregard any bridging loan) |
| cd25r062 | How much was the remaining debt of all mortgage(s) or loan(s) on this second dwelling, on 31 December 2024? |
| cd25r063 | What price would this second dwelling fetch, in your opinion, if you were to sell it today? |
| cd25r095 | Do you pay the rent for this second dwelling per: |
| cd25r066 | How much is the rent per period, for your second dwelling? |
| cd25r084 | Does the indicated rent amount include costs for water, electricity, gas, heating or other service costs? |
| cd25r085 | How much are the total costs per period for water, electricity, gas, heating or other service costs? |
| cd25r069 | Do you pay service costs or an amount for your second dwelling to an association of owners? |
| cd25r096 | Per what period do you pay service costs or an amount for your second dwelling to an association of owners? |
| cd25r072 | How high are the service costs that you pay per period for the second dwelling? |
| cd25r213 | What do you expect from the price development of homes in the Netherlands over the next two years? Will the housing prices increase, decrease or remain about the same? |
| cd25r214 | How many percent per year on average will prices [increase / decrease]? Please give your answer in whole percentages. |
| cd25r215 | In about a period of 10 years what do you think is a normal increase or decrease for property prices per year? |
| cd25r216 | Do you expect that the height of the mortgage interest in two years time will be lower, will be just as high, or will be higher than now? |
| cd25r217 | How many percentage points do you think the mortgage interest has [increased / decreased] two years from now? |
| cd25r218 | What do you consider to be a normal interest percentage for a mortgage with a fixed period of 10 years? |
| cd25r219 | Do you expect that mortgage interest relief will be reduced further within 5 years? |
| cd25r220 | Are you in favor of the further reduction of mortgage interest relief? |
| cd25r221 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? yes, we save whatever we can afford |
| cd25r222 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? yes, we save a fixed amount per month or year |
| cd25r223 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? no, there is no possibility to save money |
| cd25r224 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? no, by that time we will see how things are standing |
| cd25r225 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? no, by that time we will pay all expenses relating to the house by taking out loans |
| cd25r226 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? otherwise, namely: |
| cd25r227 | Do you save money consciously for the future purchase of a house, e.g. for the purchase itself or for the furnish? otherwise, namely: [text] |
| cd25r228 | What is the amount (in euros) you have spent on the maintenance and / or improvement / adaptation of your home last year (2024)? |
| cd25r073 | Was it difficult to answer the questions? |
| cd25r074 | Were the questions sufficiently clear? |
| cd25r075 | Did the questionnaire get you thinking about things? |
| cd25r076 | Was it an interesting subject? |
| cd25r077 | Did you enjoy answering the questions? |
| cd25r078 | Starting date of the questionnaire |
| cd25r079 | Starting time of the questionnaire |
| cd25r080 | End date of the questionnaire |
| cd25r081 | End time of the questionnaire |
| cd25r082 | Duration in seconds |
Response Information
Response Overview
Selected number of household members: 4,418 (100.0%)Non-response: 895 (20.3%)
Response: 3,523 (79.7%)
Complete: 3,465 (78.4%)
Incomplete: 58 (1.3%)
Collection Events
Period
07-07-2025 to 31-07-2025
Sample
Contact person of the household; one person per household.
Collection Mode
Internet Survey
Fieldwork Note
A reminder was sent twice to non-respondents.
Period
04-08-2025 to 26-08-2025
Sample
Non-respondents of the first measurement.
Collection Mode
Internet Survey
Fieldwork Note
A reminder was sent twice to non-respondents.