Loans for urban housing schemes are provided to housing boards, development authorities, city improvement trusts, municipal corporations, public sector undertakings, state governments and other such organisations for the construction of houses/flats and development serviced plots including site and  services, skeletal housing and core housing schemes. 

HUDCO encourages the development of serviced plots and part of loan to be given to general public for construction by themselves.  These houses/flats/plots are made available to the general public or on outright sale by the agencies concerned depending upon actual demand.