2. Site and services schemas.
Under this type of initiative the land is prepared and a service infrastructure provided. Lots are then sold or leased, and the new residents either build a house themselves or contract the work out. Government subsidies may extend to building materials and/ or cash loans. From a resident's point of view the main attraction of site and services housing is the security of tenure it affords, together with adequate infrastructure and freedom to build at one's own pace, once the requirement to construct a basic core house has been met. On the other hand, the peripheral location of most site and services schemes often results in their being some distance from major sources of employment, which can strain the ability of the household to make regular repayments. In some instances middle-income families may pressure low-income households to sell their tenure rights or their lease, even though these are not Intended to be circulated commercially.