Answer
(Fatwa: 910/717/D=1431)
In taking loan, you will have to pay interest, while both taking and giving interest is haram. However if the number of total interest is equal to subsidy, the calculation would be equal and you will not get the sin of paying interest, you will be committing the sin of doing interest based dealing only. If the amount of interest is less than the subsidy amount then too the ruling is same. Yes, if it exceeds the subsidy amount then you will be getting the sin of paying interest and doing interest based dealing and the evils of interest would creep into the business:
(2) It is not in our knowledge.
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband