The Wazir-e-Azam Apna Ghar Scheme offers a specialized house financing solution designed to make home ownership accessible through a structured 90:10 financing model. Under this arrangement, participating banks provide 90% of the property value, requiring only a 10% initial equity contribution from the applicant. The scheme features a highly competitive subsidized markup rate of 5% fixed for the first ten years, providing long-term financial predictability; for the remaining tenure, the markup adjusts to prevailing floating market rates. To ensure the program benefits those most in need, eligibility is strictly reserved for first-time buyers who do not currently own a residential property and possess a valid CNIC. This initiative effectively bridges the gap for middle and low-income families seeking a secure, professional path to owning their own home.