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Under the scheme, a person with a household income of Rs 6 lakhs will get an interest subsidy of 6.50 percent per annum on a loan of up to Rs 6 lakhs to buy his first house.Under the floating rate scheme, there is no penalty for prepayment of the entire outstanding amount or part prepayment of the outstanding.At the same time, the extra amount paid during the repayment tenure will be directly deducted from the principal amount and interest on the amount paid will not be calculated anymore.If the income is up to Rs 12 lakhs, he can avail an interest subsidy of four percent on a loan amount of up to Rs 9 lakhs.If the household income is more than Rs 12 lakhs but less than Rs 18 lakhs, the government will give a subsidy of three percent on a loan of up to Rs 12 lakhs.