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Real Estate Analyst
Updated 15 min read
Owning a home is not merely a financial transaction in Pakistan,it is a deeply personal milestone, a symbol of stability, and a dream shared by millions of families across the country. Yet for decades, soaring property prices, punishingly high markup rates, and the daunting requirement of large down payments have placed this dream out of reach for the vast majority of low- and middle-income Pakistanis.
The Government of Pakistan, under Prime Minister Shehbaz Sharif, has taken a bold step to change this reality with the launch of the Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna” (A Home That Is Truly Yours). This landmark initiative is more than a housing loan, it is a comprehensive government-backed housing finance ecosystem designed to bring the dream of homeownership within reach of every deserving Pakistani citizen.
This in-depth guide by milki yat.com covers everything you need to know about the scheme from eligibility and loan features to the list of participating banks and the step-by-step application process.
The Wazir-e-Azam Apna Ghar Program, officially launched through the State Bank of Pakistan (SBP) via SH&SFD Circular No. 03 of 2025 dated September 24, 2025, is a Markup Subsidy and Risk Sharing Scheme for affordable housing finance. The program’s mission is straightforward: provide institutional housing finance to first-time homeowners at subsidized rates, backed by government subsidy and risk-sharing arrangements with participating banks.
Unlike previous direct subsidy models, this scheme operates entirely through Pakistan’s licensed banking sector — both conventional and Islamic — meaning applicants go through regular banks and financial institutions to access the subsidized loan. The government then compensates banks for the markup difference, making the scheme financially sustainable and widely accessible.
The official portal for the scheme is apnaghar.gov.pk, where applicants can register online, check eligibility, and track their application status.
Also known as: “Ghar Ho Tu Apna” | “Mera Ghar Mera Ashiana (MGMA)” — all names refer to the same scheme with the same terms, eligibility, and par ticipating banks.
| Feature | Details |
|---|---|
| Subsidized Markup Rate | 5% per annum (fixed for first 10 years) |
| Post-Subsidy Rate | 1-year KIBOR + 3% (after year 10) |
| Maximum Loan Amount | Up to PKR 10 million (1 Crore) |
| Loan-to-Value Ratio | 90% financing / 10% equity (down payment) |
| Loan Tenure | Up to 20 years |
| Subsidy Period | First 10 years |
|Processing Fee |None | |Prepayment Penalty |None | |Annual Quota (FY 2025-26)|50,000 slots | |Financing Mode |Conventional & Islamic (Diminishing Musharakah)| |Official Portal |apnaghar.gov.pk |
To understand the significance of the Wazir-e-Azam Apna Ghar Program, consider the typical housing finance landscape in Pakistan:
The Apna Ghar scheme dismantles all three barriers at once:
The government absorbs the markup difference and shares lending risks with participating banks, making this the most affordable formal housing finance product ever offered in Pakistan’s history.
The scheme is carefully targeted at first-time homebuyers who genuinely need support. Here is a detailed breakdown of the eligibility requirements:
| Applicant Type | Minimum Age | Maximum Age at Loan Maturity |
|---|---|---|
| Salaried Individuals | 25 years | 60 years |
| Self-Employed / Business | 25 years | 65 years |
| Category | Minimum Experience |
|---|---|
| Salaried (Regular) | 2 years |
| Government Salaried (Contractual) | 3 years |
| Non-Government Salaried (Contractual) | 5 years |
| Self-Employed Businessman (SEB) | 3 years proof of business |
| Self-Employed Professional (SEP) | 3 years proof of practice |
The scheme covers the following types of housing units and purposes:
This flexibility means whether you have land but need to build, or want to buy a ready property — the scheme accommodates your situation.
The following are approximate monthly installment estimates at 5% per annum:
| Loan Amount | Tenure | Approx. Monthly Installment |
|---|---|---|
| PKR 3,000,000 | 20 years | ~PKR 19,800 |
| PKR 5,000,000 | 20 years | ~PKR 33,000 |
| PKR 7,000,000 | 20 years | ~PKR 46,200 |
| PKR 10,000,000 | 20 years | ~PKR 66,000 |
(Figures are approximate; actual amounts depend on bank calculations and income verification.)
Before visiting a bank branch or applying online, prepare the following documents:
For All Applicants:
For Salaried Individuals:
For Self-Employed / Businessmen:
The Wazir-e-Azam Apna Ghar Program is available through a wide network of commercial banks, Islamic banks, microfinance banks, and specialized institutions across Pakistan.
These banks hold the largest share of assets, deposits, and physical branch footprints in the country.
| Bank Name | Abbreviation | Headquarters | Branch Count (Approx.) | Core Focus / Strong Suit |
|---|---|---|---|---|
| Habib Bank Limited | HBL | Karachi | 1,750+ | Largest overall asset base, extensive rural footprint via Konnect, and strong corporate banking. |
| National Bank of Pakistan | NBP | Karachi | 1,550+ | Public/Private hybrid. Principal agent for government transactions and public salary/pension disbursement. |
| United Bank Limited | UBL | Karachi | 1,400+ | Highly advanced mobile/digital features and international remittance corridors. |
| MCB Bank Limited | MCB | Lahore | 1,400+ | High financial stability, conservative lending profile, and deep SME financing. |
| Allied Bank Limited | ABL | Lahore | 1,400+ | Strong everyday retail presence across both urban centers and smaller cities via . |
These private banks are heavily relied upon for consumer financing (car loans, credit cards) and high-end digital infrastructure.
| Bank Name | Headquarters | Branch Count (Approx.) | Core Focus / Strong Suit |
|---|---|---|---|
| Bank Alfalah Limited | Karachi | 700+ | Leader in consumer finance innovation, credit cards, and merchant/POS solutions. |
| Bank AL Habib Limited | Karachi | 750+ | Highly rated for traditional brick-and-mortar retail customer service and trade trade financing. |
| Askari Bank Limited | Rawalpindi / Isb | 550+ | Backed by the Fauji Group; strong relationships with military communities and institutional corporate accounts. |
| Habib Metropolitan Bank | Karachi | 400+ | Subsidiary of Habib Bank AG Zurich; highly specialized in trade finance, import/export, and commercial transactions. |
| Soneri Bank Limited | Karachi | 300+ | Mid-tier commercial and retail operations with a growing Islamic window (Mustaqeem). |
| JS Bank Limited | Karachi | 360+ |
Unlike standard commercial banks that offer "Islamic windows," these institutions operate entirely on Shariah-compliant financial principles.
| Bank Name | Headquarters | Branch Count (Approx.) | Core Focus / Strong Suit |
|---|---|---|---|
| Meezan Bank Limited | Karachi | 760+ | The premier Islamic bank in Pakistan; pioneer in Shariah-compliant consumer finance, corporate financing, and premium digital banking. |
| Faysal Bank Limited | Karachi | 550+ | Successfully completed the world's largest transition from a conventional bank to a 100% full Islamic bank. |
| BankIslami Pakistan Ltd. | Karachi | 340+ | Dedicated purely to Islamic products, housing finance, and biometric-enabled banking solutions. |
| Dubai Islamic Bank (DIB) | Karachi | 250+ | Backed by its UAE parent group; focuses heavily on premium wealth management and corporate Shariah deals. |
These banks are primarily owned or backed by provincial governments to spur localized economic growth.
| Bank Name | Headquarters | Principal Owner | Core Focus / Strong Suit |
|---|---|---|---|
| The Bank of Punjab (BOP) | Lahore | Government of Punjab | Highly competitive commercial bank with a vast network across Punjab; strong public infrastructure financing. |
| The Bank of Khyber (BOK) | Peshawar | Government of KPK | Localized commercial lending, micro-financing, and developmental projects in Khyber Pakhtunkhwa. |
| Sindh Bank Limited | Karachi | Government of Sindh | Focused on micro, small, and medium enterprises within rural and urban Sindh. |
| First Women Bank Limited | Karachi | Federal Government | Specially mandated to focus on the financial inclusion and economic empowerment of female entrepreneurs. |
These are targeted banks set up for specific agricultural, industrial, or developmental sectors.
| Bank Name | Headquarters | Sector Mandate |
|---|---|---|
| Zarai Taraqiati Bank Limited (ZTBL) | Islamabad | Dedicated exclusively to agricultural loans, tractors, farming equipment financing, and rural development. |
| Industrial Development Bank (IDBP) | Karachi | Set up to offer long-term industrial financing for manufacturing and manufacturing plants. |
| House Building Finance Company (HBFC) | Karachi | Specialized institution dedicated solely to affordable housing finance and home construction loans. |
If you are looking for digital-first or branchless transaction platforms, the industry also contains heavyweights like Telenor Microfinance Bank (Easypaisa) and Mobilink Microfinance Bank (JazzCash), alongside newly licensed pure digital banks (e.g., Raqami Islamic Digital Bank) currently building out their ecosystems.
| # | Institution | Notes |
|---|---|---|
| 1 | House Building Finance Company Limited (HBFCL) | Government-owned specialized housing finance institution; ideal for low-income applicants |
The Apna Ghar scheme is available through both conventional and fully Shariah-compliant Islamic financing modes. Here’s a quick comparison:
| Feature | Conventional | Islamic (Diminishing Musharakah) |
|---|---|---|
| Markup/Profit Rate | 5% fixed (years 1–10) | 5% profit rate (years 1–10) |
|Structure |Interest-based loan |Joint ownership, declining bank share | |Shariah Compliance|Not applicable |Fully Shariah-compliant | |Available At |All commercial banks |Islamic banks + Islamic windows of commercial banks| |Processing Fee |None |None |
Recommendation: If Shariah compliance is important to you, opt for full-fledged Islamic banks like Meezan Bank, BankIslami, MCB Islamic Bank, or AlBaraka Bank. If you prefer the convenience of a branch near you, most commercial banks offer both conventional and Islamic windows.
Pakistan faces a severe housing shortage estimated at 10 million units, with the gap growing by approximately 700,000 units every year. The housing deficit disproportionately affects low and middle-income families in urban areas, where rent consumes an increasingly large share of household income.
The Wazir-e-Azam Apna Ghar Program is part of the government’s broader plan to:
With 50,000 slots available in FY 2025-26 alone, applicants are strongly advised to apply early to secure their position.
Q: Can I apply if I currently rent and have never owned any property? Yes. Renters who do not own any housing unit in their name are the ideal candidates for this scheme.
Q: Can husband and wife apply jointly? Yes. Co-applicants are allowed, and combined income can be considered for eligibility and DBR calculation.
Q: Is the scheme available across all provinces of Pakistan? Yes. The Wazir-e-Azam Apna Ghar Program is a federal initiative available nationwide — in all four provinces, Azad Jammu & Kashmir, and Gilgit-Baltistan.
Q: What if I own agricultural land but not a residential unit? Ownership of agricultural land does not disqualify you. The restriction applies specifically to residential housing units (houses, flats, apartments).
Q: Can overseas Pakistanis apply? The standard scheme targets resident Pakistanis. Overseas Pakistanis may be eligible through the Roshan Apna Ghar product offered by certain banks under the Roshan Digital Account framework.
Q: What happens after the 10-year subsidy period ends?
Kind Excerpt (optional) Short summary for listings; you can refine on the next screen.
HOMEEXPLOREADDPROJECTSTASKERAfter year 10, the markup rate becomes variable at 1-year KIBOR + 3%. Borrowers should plan for this adjustment in their long-term financial planning.
Q: Is there a penalty for paying off the loan early? No. There is absolutely no prepayment penalty under this scheme.
Q: What is the minimum monthly income required? The primary applicant must have a minimum net monthly income of PKR 25,000. Co-applicants must earn at least PKR 20,000.
The Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna” represents one of the most meaningful housing finance interventions in Panks — both conventional and Islamic — the scheme removes the most significant barriers that have kept homeownership out of reach for ordinary Pakistanis.
Whether you are a salaried employee, a small business owner, or a professional — if you have never owned a home and are dreaming of your own place, this is the moment to act.
Visit your nearest participating bank branch, or register online at apnaghar.gov.pk, and take your first step toward making your home truly your own.
Disclaimer: Information in this article is based on official SBP guidelines and participating bank communications as of June 2026. Terms, eligibility, and participating institutions are subject to change. Always verify the latest details directly with your chosen bank or via the official portal apnaghar.gov.pk before applying.
— milkiyat.com | Pakistan’s Trusted Real Estate & Property Resource
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Real Estate Analyst
Updated 15 min read
Owning a home is not merely a financial transaction in Pakistan,it is a deeply personal milestone, a symbol of stability, and a dream shared by millions of families across the country. Yet for decades, soaring property prices, punishingly high markup rates, and the daunting requirement of large down payments have placed this dream out of reach for the vast majority of low- and middle-income Pakistanis.
The Government of Pakistan, under Prime Minister Shehbaz Sharif, has taken a bold step to change this reality with the launch of the Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna” (A Home That Is Truly Yours). This landmark initiative is more than a housing loan, it is a comprehensive government-backed housing finance ecosystem designed to bring the dream of homeownership within reach of every deserving Pakistani citizen.
This in-depth guide by milki yat.com covers everything you need to know about the scheme from eligibility and loan features to the list of participating banks and the step-by-step application process.
The Wazir-e-Azam Apna Ghar Program, officially launched through the State Bank of Pakistan (SBP) via SH&SFD Circular No. 03 of 2025 dated September 24, 2025, is a Markup Subsidy and Risk Sharing Scheme for affordable housing finance. The program’s mission is straightforward: provide institutional housing finance to first-time homeowners at subsidized rates, backed by government subsidy and risk-sharing arrangements with participating banks.
Unlike previous direct subsidy models, this scheme operates entirely through Pakistan’s licensed banking sector — both conventional and Islamic — meaning applicants go through regular banks and financial institutions to access the subsidized loan. The government then compensates banks for the markup difference, making the scheme financially sustainable and widely accessible.
The official portal for the scheme is apnaghar.gov.pk, where applicants can register online, check eligibility, and track their application status.
Also known as: “Ghar Ho Tu Apna” | “Mera Ghar Mera Ashiana (MGMA)” — all names refer to the same scheme with the same terms, eligibility, and par ticipating banks.
| Feature | Details |
|---|---|
| Subsidized Markup Rate | 5% per annum (fixed for first 10 years) |
| Post-Subsidy Rate | 1-year KIBOR + 3% (after year 10) |
| Maximum Loan Amount | Up to PKR 10 million (1 Crore) |
| Loan-to-Value Ratio | 90% financing / 10% equity (down payment) |
| Loan Tenure | Up to 20 years |
| Subsidy Period | First 10 years |
|Processing Fee |None | |Prepayment Penalty |None | |Annual Quota (FY 2025-26)|50,000 slots | |Financing Mode |Conventional & Islamic (Diminishing Musharakah)| |Official Portal |apnaghar.gov.pk |
To understand the significance of the Wazir-e-Azam Apna Ghar Program, consider the typical housing finance landscape in Pakistan:
The Apna Ghar scheme dismantles all three barriers at once:
The government absorbs the markup difference and shares lending risks with participating banks, making this the most affordable formal housing finance product ever offered in Pakistan’s history.
The scheme is carefully targeted at first-time homebuyers who genuinely need support. Here is a detailed breakdown of the eligibility requirements:
| Applicant Type | Minimum Age | Maximum Age at Loan Maturity |
|---|---|---|
| Salaried Individuals | 25 years | 60 years |
| Self-Employed / Business | 25 years | 65 years |
| Category | Minimum Experience |
|---|---|
| Salaried (Regular) | 2 years |
| Government Salaried (Contractual) | 3 years |
| Non-Government Salaried (Contractual) | 5 years |
| Self-Employed Businessman (SEB) | 3 years proof of business |
| Self-Employed Professional (SEP) | 3 years proof of practice |
The scheme covers the following types of housing units and purposes:
This flexibility means whether you have land but need to build, or want to buy a ready property — the scheme accommodates your situation.
The following are approximate monthly installment estimates at 5% per annum:
| Loan Amount | Tenure | Approx. Monthly Installment |
|---|---|---|
| PKR 3,000,000 | 20 years | ~PKR 19,800 |
| PKR 5,000,000 | 20 years | ~PKR 33,000 |
| PKR 7,000,000 | 20 years | ~PKR 46,200 |
| PKR 10,000,000 | 20 years | ~PKR 66,000 |
(Figures are approximate; actual amounts depend on bank calculations and income verification.)
Before visiting a bank branch or applying online, prepare the following documents:
For All Applicants:
For Salaried Individuals:
For Self-Employed / Businessmen:
The Wazir-e-Azam Apna Ghar Program is available through a wide network of commercial banks, Islamic banks, microfinance banks, and specialized institutions across Pakistan.
These banks hold the largest share of assets, deposits, and physical branch footprints in the country.
| Bank Name | Abbreviation | Headquarters | Branch Count (Approx.) | Core Focus / Strong Suit |
|---|---|---|---|---|
| Habib Bank Limited | HBL | Karachi | 1,750+ | Largest overall asset base, extensive rural footprint via Konnect, and strong corporate banking. |
| National Bank of Pakistan | NBP | Karachi | 1,550+ | Public/Private hybrid. Principal agent for government transactions and public salary/pension disbursement. |
| United Bank Limited | UBL | Karachi | 1,400+ | Highly advanced mobile/digital features and international remittance corridors. |
| MCB Bank Limited | MCB | Lahore | 1,400+ | High financial stability, conservative lending profile, and deep SME financing. |
| Allied Bank Limited | ABL | Lahore | 1,400+ | Strong everyday retail presence across both urban centers and smaller cities via . |
These private banks are heavily relied upon for consumer financing (car loans, credit cards) and high-end digital infrastructure.
| Bank Name | Headquarters | Branch Count (Approx.) | Core Focus / Strong Suit |
|---|---|---|---|
| Bank Alfalah Limited | Karachi | 700+ | Leader in consumer finance innovation, credit cards, and merchant/POS solutions. |
| Bank AL Habib Limited | Karachi | 750+ | Highly rated for traditional brick-and-mortar retail customer service and trade trade financing. |
| Askari Bank Limited | Rawalpindi / Isb | 550+ | Backed by the Fauji Group; strong relationships with military communities and institutional corporate accounts. |
| Habib Metropolitan Bank | Karachi | 400+ | Subsidiary of Habib Bank AG Zurich; highly specialized in trade finance, import/export, and commercial transactions. |
| Soneri Bank Limited | Karachi | 300+ | Mid-tier commercial and retail operations with a growing Islamic window (Mustaqeem). |
| JS Bank Limited | Karachi | 360+ |
Unlike standard commercial banks that offer "Islamic windows," these institutions operate entirely on Shariah-compliant financial principles.
| Bank Name | Headquarters | Branch Count (Approx.) | Core Focus / Strong Suit |
|---|---|---|---|
| Meezan Bank Limited | Karachi | 760+ | The premier Islamic bank in Pakistan; pioneer in Shariah-compliant consumer finance, corporate financing, and premium digital banking. |
| Faysal Bank Limited | Karachi | 550+ | Successfully completed the world's largest transition from a conventional bank to a 100% full Islamic bank. |
| BankIslami Pakistan Ltd. | Karachi | 340+ | Dedicated purely to Islamic products, housing finance, and biometric-enabled banking solutions. |
| Dubai Islamic Bank (DIB) | Karachi | 250+ | Backed by its UAE parent group; focuses heavily on premium wealth management and corporate Shariah deals. |
These banks are primarily owned or backed by provincial governments to spur localized economic growth.
| Bank Name | Headquarters | Principal Owner | Core Focus / Strong Suit |
|---|---|---|---|
| The Bank of Punjab (BOP) | Lahore | Government of Punjab | Highly competitive commercial bank with a vast network across Punjab; strong public infrastructure financing. |
| The Bank of Khyber (BOK) | Peshawar | Government of KPK | Localized commercial lending, micro-financing, and developmental projects in Khyber Pakhtunkhwa. |
| Sindh Bank Limited | Karachi | Government of Sindh | Focused on micro, small, and medium enterprises within rural and urban Sindh. |
| First Women Bank Limited | Karachi | Federal Government | Specially mandated to focus on the financial inclusion and economic empowerment of female entrepreneurs. |
These are targeted banks set up for specific agricultural, industrial, or developmental sectors.
| Bank Name | Headquarters | Sector Mandate |
|---|---|---|
| Zarai Taraqiati Bank Limited (ZTBL) | Islamabad | Dedicated exclusively to agricultural loans, tractors, farming equipment financing, and rural development. |
| Industrial Development Bank (IDBP) | Karachi | Set up to offer long-term industrial financing for manufacturing and manufacturing plants. |
| House Building Finance Company (HBFC) | Karachi | Specialized institution dedicated solely to affordable housing finance and home construction loans. |
If you are looking for digital-first or branchless transaction platforms, the industry also contains heavyweights like Telenor Microfinance Bank (Easypaisa) and Mobilink Microfinance Bank (JazzCash), alongside newly licensed pure digital banks (e.g., Raqami Islamic Digital Bank) currently building out their ecosystems.
| # | Institution | Notes |
|---|---|---|
| 1 | House Building Finance Company Limited (HBFCL) | Government-owned specialized housing finance institution; ideal for low-income applicants |
The Apna Ghar scheme is available through both conventional and fully Shariah-compliant Islamic financing modes. Here’s a quick comparison:
| Feature | Conventional | Islamic (Diminishing Musharakah) |
|---|---|---|
| Markup/Profit Rate | 5% fixed (years 1–10) | 5% profit rate (years 1–10) |
|Structure |Interest-based loan |Joint ownership, declining bank share | |Shariah Compliance|Not applicable |Fully Shariah-compliant | |Available At |All commercial banks |Islamic banks + Islamic windows of commercial banks| |Processing Fee |None |None |
Recommendation: If Shariah compliance is important to you, opt for full-fledged Islamic banks like Meezan Bank, BankIslami, MCB Islamic Bank, or AlBaraka Bank. If you prefer the convenience of a branch near you, most commercial banks offer both conventional and Islamic windows.
Pakistan faces a severe housing shortage estimated at 10 million units, with the gap growing by approximately 700,000 units every year. The housing deficit disproportionately affects low and middle-income families in urban areas, where rent consumes an increasingly large share of household income.
The Wazir-e-Azam Apna Ghar Program is part of the government’s broader plan to:
With 50,000 slots available in FY 2025-26 alone, applicants are strongly advised to apply early to secure their position.
Q: Can I apply if I currently rent and have never owned any property? Yes. Renters who do not own any housing unit in their name are the ideal candidates for this scheme.
Q: Can husband and wife apply jointly? Yes. Co-applicants are allowed, and combined income can be considered for eligibility and DBR calculation.
Q: Is the scheme available across all provinces of Pakistan? Yes. The Wazir-e-Azam Apna Ghar Program is a federal initiative available nationwide — in all four provinces, Azad Jammu & Kashmir, and Gilgit-Baltistan.
Q: What if I own agricultural land but not a residential unit? Ownership of agricultural land does not disqualify you. The restriction applies specifically to residential housing units (houses, flats, apartments).
Q: Can overseas Pakistanis apply? The standard scheme targets resident Pakistanis. Overseas Pakistanis may be eligible through the Roshan Apna Ghar product offered by certain banks under the Roshan Digital Account framework.
Q: What happens after the 10-year subsidy period ends?
Kind Excerpt (optional) Short summary for listings; you can refine on the next screen.
HOMEEXPLOREADDPROJECTSTASKERAfter year 10, the markup rate becomes variable at 1-year KIBOR + 3%. Borrowers should plan for this adjustment in their long-term financial planning.
Q: Is there a penalty for paying off the loan early? No. There is absolutely no prepayment penalty under this scheme.
Q: What is the minimum monthly income required? The primary applicant must have a minimum net monthly income of PKR 25,000. Co-applicants must earn at least PKR 20,000.
The Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna” represents one of the most meaningful housing finance interventions in Panks — both conventional and Islamic — the scheme removes the most significant barriers that have kept homeownership out of reach for ordinary Pakistanis.
Whether you are a salaried employee, a small business owner, or a professional — if you have never owned a home and are dreaming of your own place, this is the moment to act.
Visit your nearest participating bank branch, or register online at apnaghar.gov.pk, and take your first step toward making your home truly your own.
Disclaimer: Information in this article is based on official SBP guidelines and participating bank communications as of June 2026. Terms, eligibility, and participating institutions are subject to change. Always verify the latest details directly with your chosen bank or via the official portal apnaghar.gov.pk before applying.
— milkiyat.com | Pakistan’s Trusted Real Estate & Property Resource
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| Strong focus on digital banking apps, consumer auto-financing, and entrepreneurial loans. |
| Strong focus on digital banking apps, consumer auto-financing, and entrepreneurial loans. |
