55 Housing programs in this stage are designed to reducing deficit in the housing stock as the State was committed to defray all administrative, contractual and financial expenses, which resulted in implementing thousands of residential units during this stage. The general housing policy is built around the fact that the State is the guarantor ensuring provision of habitat for all individuals in the society. For social rights to become effective, the platforms and goals of the housing and public utility policy as well as the executive steps taken by State organs to make it a success can be stated as follows: General Policies and Goals 1- Considering abode as an essential need of the individual and the family. Every citizen has the right to have his own dwelling either from self-funded savings or through taking out a real estate loan or others. The State is obliged to provide for people who cannot afford it the proper healthy house to live in by financing it from the Public Treasury. 2- Conduct demographic, social, economic, environmental and health-related studies in connection with housing and urban development to specify residential needs, provide necessary services for densely-populated areas and eliminate underdevelopment and shanty town phenomenon in these areas, while helping their inhabitants by offering them more suitable housing and creating integrated new villages and cities. 3- Develop urbanization studies on looking for new sites to provide job and housing opportunities and have national natural planning of third generation studies focused on furnishing housing locations that ensure high-standard living and improved residential conditions matching with future needs and requirements. 4- Develop plans, make available lands for construction purposes, and correlate the implementation process of these plans with urban development projects rendering basic services (potable water and sanitary drainage) alongside a formidable infrastructure of roads and utilities.