Housing schemes are programs designed to provide affordable housing options for individuals and families. These initiatives can be government-led or organized by non-profit organizations, aiming to help low- and middle-income households secure safe and stable living conditions. They often include financial assistance, subsidies, or the construction of new homes. Many housing schemes focus on specific groups, such as first-time homebuyers, the elderly, or those with disabilities. By offering reduced prices or favorable loan terms, these programs make it easier for people to access housing. Examples include public housing, affordable housing projects, and homebuyer assistance programs.