Taking into account mortgage loans, the distribution for both years would be somewhat more even - the highest income quintiles (fourth and fifth) would show a somewhat smaller deviation from the average. Namely, these income quintiles were largely represented in the total number of households which were owner occupied with mortgages, as with their income mortgage loans were easier to afford.
Najvišja kvintilna razreda (četrti in peti) bi namrečizkazovala nekoliko manjši odklon od povprečja; omenjena dohodkovna razreda sta bila namreč številčno v največji meri zastopana v skupnem številu gospodinjstev, ki so lastniki stanovanj s hipotekami, saj sta si hipotekarne kredite s svojimi dohodki lažje privoščila.