A study was carried on by the writer in the state of Sarawak. It was aimed at benefiting the state’s government agencies in general and the Sarawak Housing Development Corporation [SHDC] in particular, as it would provide a guideline for implementing future Low-Cost Flats projects. In addition, the public, especially the low-income groups, will benefits as their plight for more low-cost housing will be given serious consideration by the agencies concerned.Urban growth in the state is viewed as a series of unmitigated problems. Some institutions and some sector can adjust to change and respond positively to the stimulus of rapid growth, but others are simply paralyzed by it. Reasons – for being paralyzed or simply unable to reach the opportunities yaries by contexts, time and situation. Context relate to place, which include the people, culture and shelter. Time and situation relate to the period of development, now and then. While situation relates to the issues and request in question.