The Central Bank of Luxembourg (BCL) and the Luxembourg Institute of Socio-Economic Research (LISER) are launching the sixth Household Finance and Consumption Survey.
The BCL is a public institution responsible for contributing to the implementation of the single monetary policy within the euro area, as well as maintaining financial stability. To fulfil this role, it needs reliable information about the economic and financial situation of households.
The survey results help provide a better understanding of how households manage their finances – particularly their spending, savings, borrowing and housing situation – and how monetary policy affects households. This information contributes to economic analysis and policy-making within the scope of responsibility of the BCL and the Eurosystem. The BCL regularly publishes aggregated and anonymised results from this survey.
In this context, the BCL regularly conducts this survey, which is carried out simultaneously by all national central banks in the euro area, in accordance with European Central Bank Guideline (EU) 2025/333 of 31 January 2025. The BCL regularly publishes analyses based on the survey in its publications, which are available on the BCL website at https://hfcs.bcl.lu.
LISER, a Luxembourg public research centre, conducts this survey in partnership with the BCL. As with previous editions of the survey, each household contacted has been randomly selected from the Luxembourg social security register, following a procedure designed to ensure that the results are representative of all households.
The data collected will be used exclusively for scientific and statistical purposes. Your answers will be processed by LISER and the BCL with the strictest confidentiality and in accordance with the General Data Protection Regulation (EU) 2016/679 (GDPR). Neither the BCL nor LISER will have access to your identity or contact information. For further information, please consult the “Data Protection” section of the website https://hfcs.liser.lu/ or send an email to dpo@liser.lu.
For more information about this survey, as well as the results of previous surveys, please visit: https://hfcs.bcl.lu







