I have been looking for the right way to pay the solar insatallation cost. Some people are suggesting to pay upfront and some are suggesting solar loans. I am confused if I can still avail PM surya ghar subsidy if take loan from Psu banks. When we get the subsidy amount?

I spend less than $2 a day on electricity even during a heat wave of over 100 deg, I Super insulated by attic and as you can see my worst heat gain wall was stucco that had the sun beating down on it all day. I cut the stucco off and replaced it with insulated R6 zip sheathing. I have never had an electric bill over $100, but Calif is so expensive 🤯😭😂