The immediate post-World War II housing shortage created by the considerable war damage has been alleviated by substantial construction of private homes and apartment buildings. The government has helped by making home loans at low interest rates available to buyers. In 1981 there were 128,281 private households in Luxembourg. Detached houses accounted for 60% of all housing units, apartments for 32% and farms for 4%. Owners occupied 60% of all dwellings, 40% were rented, 4% were occupied rent free, and 3% were occupied by a subtenant. From 1991–1999, over 7,000 new dwellings were completed. Housing satisfaction is one of the highest in the European Union.