Housing refers to both the physical structure where people live as well as the surrounding community services and facilities. Good housing should provide shelter, privacy, and access to amenities like health services and shopping. It plays a role in physical, social, and psychological well-being. Housing standards aim to ensure structures are sanitary and protect residents from disease by providing adequate space, ventilation, lighting, and water/sanitation facilities. Overcrowding can spread respiratory infections and compromise hygiene. Governments implement social goals of housing through schemes and financial institutions to help low-income individuals access credit for housing.