Owning a home is usually the reasonable dream of every adult. In the 21st Century, citizens' ability to realise this dream is probably a major indicator of the strength and relevance of a nation's socio-economic structures. Developed Societies see housing as necessary adjuncts of politico-economic engineering. To articulate and achieve this goal all the national sectors and agencies are motivated or compelled to participate and contribute. This is based on recognition of housing as a basic need and 'right' of every citizen.