The crucial role housing plays in promoting social cohesion is widely recognized, with adequate housing affirmed as a universal right. This also echoes the Universal Declaration of Human Rights (1948) and the Charter of Fundamental Rights of the European Union (2012, article 34(3)), which recognizes housing assistance as a right for those who lack sufficient means, Affordable housing is generally understood as social housing, affordable rental housing and affordable home ownership, provided to eligible households whose needs are not met by the market – i.e. those belonging to the first three quintile of the population.