mumbai housing finance company lic housing finance lichfl on tuesday launched two new home loan schemes bhagyalaxmi plus and new fixed 10 under bhagyalaxmi plus scheme home loans will be given to those women who will be the sole owner or first owner to buy a property at a fixed rate of interest of 1035 per cent for loans up to rs 75 lakh for the first two years and floating rate thereafter the company said in a press release moreover borrowers would get a discount of 025 per cent throughout the loan term on conversion to floating rates the new fixed 10 scheme comes with fixed interest rates for 10 years out of which first 5 years would carry a rate of 1150 per cent for loans up to rs 75 lakh the release said the scheme offers customers the flexibility to exercise an option after 5 years to convert their loan into floating rates prevalent at that time