As of 2001, national statistics indicated that there were 356 housing units per 1,000 people. About 97% of these units are privately owned. The average living space is about 21.5 square meters per person. City governments are being encouraged to take more responsibility for social housing projects. Homeowners associations are being encouraged and new laws are being drafted for residential building associations The Housing Loan Insurance Company was established in 2000 to provide insurance of loans and to promote housing loans with a low (5%) down payment.