There are many beautiful constructions of the Hilbert scheme of closed subschemes of projective schemes. In many cases where Hilbert schemes are involved, it suffices to know they exist. On the other hand, there are many situations when it is crucial to have an explicit description of the Hilbert schemes. In this article we give a simple construction of Hilbert schemes of points, under general circumstances, that provides such a description. In addition to being useful for computations the construction is short, elementary, and explicit.Our methods rely on simple algebraic constructions. It gives explicit expressions of members of an affine covering of the Hilbert schemes, involving few variables satisfying natural equations. In particular, it explains the connections with commuting schemes of matrices. We also give some examples showing how our method can be used.There are many beautiful constructions of the Hilbert scheme of closed subschemes of projective schemes. In many cases where Hilbert schemes are involved, it suffices to know they exist. On the other hand, there are many situations when it is crucial to have an explicit description of the Hilbert schemes. In this article we give a simple construction of Hilbert schemes of points, under general circumstances, that provides such a description. In addition to being useful for computations, the construction is short, elementary and explicit.The main novelty of this article is the construction of the Hilbert scheme of n points of an affine scheme Spec(R) over an affine base scheme Spec(A), where R is any A-algebra. As a consequence of this construction we obtain a description, and easy proof of the existence, of the Hilbert scheme of n points of a family Proj(R) → S over an arbitrary base scheme S, where R is any quasi-coherent graded O S -algebra. We give explicit expressions for members of an affine covering of the Hilbert schemes, involving few variables satisfying natural equations. This provides a