A many Slovak families don´t own their houses and flats in which they live. In order to buy a house a family in Slovakia need all money, but in this republic is one special bank (VUB), from whitch it is possible to borrow up to 60 % of the value of the house and two building savings-banks. (VUB WUSTENROD, PSS). A state assists a housing (to buy flat, to build a house, reconstrution, goverment fund making housing). Of course, not everyone wishes to buy a house and renting is very common, too. There are several type of houses in Slovakia.
At first - a terrased houses are build in a row and are joined one to another to
form a street. At second - a cottages are a small village house.
At third - a bungalows are a one-storey house.

And almost half of all Slovak families live in the houses not in the flat.
A flat is situated on one floor and is designed for one family. A flat forms a part of blocks of flats. It may be very large with nearly as much space as the house, or it may also be one or many rooms with kitchen and bathroom.

In the centre of big Slovakia cities many people live in apartments situated in large apartment buildings. They usually rent apartments which are owned by big companies or private owners. This houses are well furnished and equipped with modern house-hold appliances. There are usually one or more phones and TV sets, stereo and video systems, a microwave and the fridge-freezer in this apartments.
The Slovak home is a busy and lively place.
This is Slovakia housing by my point of view.