The National Housing Programme of Costa Rica achieved dramatic success in the years 1986 – 1990 in improving the living conditions of 80,000 low-income families. This was accomplished by a combination of political will, a reduction in bureaucracy and an innovative financial system designed to incorporate low income households into the housing market. A housing bank has been established to help give access to the poorest groups and housing agencies. Decentralisation of housing services and public participation has also been fostered in the programme.