[housing = 1]

−0.515

0.211

0.597

0.882

0.052

2.415

[loan = 1]

0.092

0.786

1.096

0.548

0.098

1.729

[five insurances and fund = 1]

−0.716

0.066

0.489

−0.900

0.021

0.407

[TA household cons = 1]

−1.278

0.008

0.279

−0.758

0.129

0.469

[TA household cons = 2]

−0.858

0.048

0.424

−0.441

0.321

0.644

[parents’ financial support = 1]

−0.090

0.793

0.914

−0.187

0.586

0.829