Student or Learner
In traditional Home Loans, you get possession only when you have paid 90-95% value of the home. Whereas in our scheme you get possession as soon as you have paid 75% value.
I would say "95% of the value of the home."
Also, "scheme" has a negative connotation, like you are somehow defrauding or cheating. Criminals scheme. Use "plan" or "system" or "program."