| Value | Category | 
|---|---|
| -9 | DK | 
| 1 | Personal relationship with the institution | 
| 2 | Interest rate offered | 
| 3 | Collateral requirements | 
| 4 | Maturity offered (total duration) | 
| 5 | Have other products with this institution (e.g. savings or transaction accounts) | 
| 6 | Proximity of institution | 
| 7 | Reputation of institution | 
| 8 | Only option available | 
| 9 | Other | 
| Sysmiss |