Based on prior knowledge, the relationship between the feature "housing" and the task of whether the person receives a credit can be analyzed as follows:

- Those who own a house (housing = 'own') are more likely to receive credit.
- Those who live in a rented house (housing = 'rent') may or may not receive credit, as it depends on other factors.
- It is unclear how living in a house for free (housing = 'for free') will affect the likelihood of receiving credit.

Based on this analysis, the dictionary can be constructed as follows:

```json
{
	"yes": ["own"],
	"no": ["rent"]
}
```

In this case, since it is not necessary to include the value 'for free' in the dictionary as it is hard to predict, the list for the 'no' class remains empty.