The 1974 housing census counted 2,747,800 housing units in the country. Almost all rural homes and many city dwellings on the coast are made with split bamboo siding and a palm thatch or corrugated iron roof. A housing development bank, Banco de la Vivienda, was established in 1961. In the late 1970s, the Institute of Sanitary Works initiated a program of well digging and latrine construction in rural areas. In 1990, 64% of all housing units were private houses with sanitary facilities; 12% were mediagreas, substandard one-story dwellings; 8% were apartments; 8% were cuartes, or semi-private units, and 7% were ranchos or covachas, dwellings of wood, stone, or brick covered with palm leaves, straw or other vegetation. Owners occupied 68%; 23% were rented; 6% were occupied rent free; and 3% were rented in exchange for services. Half of all dwellings had private toilet facilities and 40% had private baths. Over the past decade, the government has received substantial amounts of money from international organizations for projects focusing on low-income housing.