The improvement of housing provision in rural areas is achieved by considerable self-build construction of single-family houses. In cities and towrns, housing construction is mainly led by the private sector and aimed at wealthy customers, a decent housing market remains unaffordable for average households because of their low annual incomes. At present, how'ever, there is neither a policy nor a state programme for development of social housing and affordable housing for rent. Budget funding of new' construction projects for those recognized as being in need of housing improvements is scarce.