Table 5.

Interaction of potential modifying factors with the housing payment arrears-health association, baseline sample of individuals not in arrears and employed, multilevel analysis.

Modifying factor	Owners	Renters
Macroeconomic
Home ownership rate	0.006**	0.006**
	(0.002)	(0.002)
House price change	−0.004*	−0.006*
	(0.002)	(0.003)
GDP change	−0.00	−0.002*
	(0.00)	(0.001)
Interest rate	0.00	0.02*
	(0.01)	(0.01)
Country arrears rate	0.02**	0.02*
	(0.01)	(0.01)
Social Capital
People are helpful most of the time	−0.00	−0.00
	(0.00)	(0.00)
Most people can be trusted	−0.00	−0.00
	(0.00)	(0.00)
Social protection expenditure
Disability spending	−0.01	−0.01
	(0.00)	(0.01)
Total social protection spending	−0.001*	−0.00
	(0.001)	(0.00)
Old age social protection spending	−0.004*	−0.005*
	(0.002)	(0.002)
Survival benefits spending	−0.01	−0.01
	(0.01)	(0.01)
Health spending	−0.005*	−0.00
	(0.002)	(0.00)
Family and child spending	−0.01	−0.01
	(0.00)	(0.01)
Unemployment spending	0.00	−0.01
	(0.01)	(0.01)
Housing spending	−0.05**	−0.01
	(0.02)	(0.02)
Rental market regulations
Rent controls	−0.04	−0.01
	(0.04)	(0.04)
Tenant-landlord relationship	−0.03	−0.02
	(0.04)	(0.04)

Note: Models include all individual level control variables as used in the previous table, separate models run for each potential interaction. Standard errors in parentheses

^***p<0.001.

^*p<0 .05.

^**p< 0.01.