HUDCO provides loan assistance for house construction/upgradation of economically weaker sections, for schemes taken up through NGO's on a pilot basis. Schemes proposal envisaging construction of houses or upgradation/repairs/additions to the existing houses for the benefit of the urban poor can be taken up with HUDCO's financial assistance through NGO's. HUDCO would also consider to extend a line of credit to the NGO's for the purpose of implementation of schemes mentioned above. In addition technical assistance can also be made available to NGO's for organisational capacity building programmes for implementation of such schemes. 
HUDCO also receive & consider application for loans for such schemes through Voluntary Agencies or Non-Governmental Organisations (NGO's) who have the experience of undertaking integrated community development programmes for the minimum period of 3 to 5 years with actual loan recovery performance during the last 3 years of at least 75%. The NGO's seeking HUDCO's loan assistance should preferably have some experience in shelter sector programmes.