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VIII. Housing Trends and Policies Overall, utility reforms continue to be driven largely by the perceived need to improve the sector’s economic performance, rather than being set within a wider national agenda for tackling regional and socio-economic disparities 30 indicate that there are still unresolved issues regarding the balance between the desire of utility providers to recover full costs and the state’s social concerns, such as maintaining affordability of utilities for low-income households. On average, households pay utility rates that range between 18% and 25% of monthly income. However, the arrears for communal services are growing. As of 1 January 2007, for example, they totalled 2.5 billion Sums (about 2 million USD) and by July of the same year they had reached 3.7 billion Sums (about 2.9 million USD). Overall, utility reforms continue to be driven largely by a concern for profitability rather than by the need to mitigate regional and socio- economic disparities. The privatization of utilities could exacerbate inequalities in living standards between richer and poorer regions, thereby having serious implications for urban and regional development. Furthermore, programs in the utility sector are still not effectively linked with other socio-economic programs as part of the effort to reduce horizontal inequalities in nationwide living standards. D. Homeowners Associations Homeowners’ associations have been formed in many cities to manage multifamily housing complexes. Currently, all multifamily housing is covered by such associations. Before 2006, the larger associations (which cover 40-50 buildings) were usually managed by municipal housing and utilities companies, but homeowners had limited voice in such arrangements. On the basis of a 2006 law, many new self-organized ‘democratic’ associations have emerged, usually exercising better control over housing assets. In October 2009, such self-organized associations accounted for 40% of the total in Tashkent City, for example. Since 2004, the state has invested in major overhauls of apartment buildings built before 1991 and the public areas around these apartments. Annually, the state funds up to 70% of the repair costs for multifamily houses; homeowners’ associations are required to finance the remaining 30%. However, the associations can secure funds from other sources for such purposes and are eligible for tax abatements, exemptions from other fees, and financial support for building materials. They can also be rewarded financially by local government if they are able to collect at least 85% of fees from residents. Nevertheless, homeowners’ associations are still facing difficulties, such as in accessing public funding. The challenges are particularly acute in associations that cover 30-40 individual housing units. Since these associations were formed compulsorily by local governments, the residents have limited decision-making powers. As a consequence, there are ongoing difficulties in collecting fees