Variables	High-income households			Low-income households
Variables	Endowments effect	Coefficients effect	Interaction effect	Endowments effect	Coefficients effect	Interaction effect
Intercept		1331.86**			889.54**
Age	37.16	−273.47	−35.03	−33.90*	−131.50	−51.38
Gender	−4.15	47.23	−7.40	3.46	33.88	−11.61
Education	−12.48	66.84	18.21	−4.61	20.94	5.71
Household size	−203.96**	1650.39**	−389.97**	−157.01**	1545.98**	−751.56**
Number of elderly members	1.51	29.21*	28.51*	−8.04	28.51*	48.15*
Number of wage earners	30.78**	430.36**	−39.95**	−3.09	−61.32	39.06
Income	455.99**	−395.36**	−371.03**	144.24**	−59.12	−23.37
Owner occupied	−21.27**	314.42**	31.98**	1.45	66.85	2.12
Without business use	−44.19**	344.56*	28.84**	−2.55	−184.89	−8.01
2 - 3 floors	−3.50	13.89	−2.50	5.31	10.12	4.88
4 - 5 floors	22.69**	−70.55**	−13.38	10.02**	−0.31	−0.28
>5 floors	127.81**	−38.67**	−93.74*	4.08	0.43	10.95
Housing area	142.62**	−285.61**	−114.10**	53.90**	−73.35*	−44.74*
Number of televisions	87.95*	−98.33	59.59	78.46**	−115.50*	−36.71*
Number of water heaters	15.41	−127.20	−25.71	39.28**	24.53	−35.09
Number of air conditioners	1613.41**	−298.41**	−990.18**	616.55**	−6.86*	−155.54**
Number of washing machines	18.98**	−70.50*	−9.14	57.46**	55.65	42.21
Total	2264.77**	2767.33**	−1925.00**	805.00**	2043.57**	−895.02**
Sum of three components		3107.10			1953.55