incentives of the Energy Account for photovoltaic have set in motion the photovoltaic market in our country, especially in the field of small household systems that have the highest echelon in the order provided. This has prompted many individuals to seriously consider installing a photovoltaic system, but often the anticipation of the full amount for a plant is a major obstacle for many. the price of a system of 3 kWp , the classic cut for consumers with home, in fact, is between 5,000 and € 6,000 per kWp and not everyone has to anticipate more than 15,000 euro for the construction of a system even in the face of revenue derived from electricity production and the incentives can travel about 2,000 € a year.
To meet these market needs some lenders have created financial products, in most cases this is true loans, through which you can finance part or 100% on your PV system. Of course this is an expensive operation, which is usually translated by a longer payback periods of time, which may partially affect the overall profitability of the plant, making production in financial terms in the second half of the twenty years in which you can enjoy the incentives of the Energy Account.
With regard to the type of loan, fixed or variable, its duration and the percentage of amount to be financed, there are no fixed rules and these are parameters that must be evaluated on a case by case, calculator in hand, comparing various options for mutual also to make sure that "the deal" represented by the Energy Bill, with the use of the funding does not become a "deal" for use and consumption only of the bank, revenue potential blurring. Another major issue in deciding whether and how to finance a PV system is to be reasonably sure of its productivity, ie the average rate of sunshine in the area.
The Energy Bill, in fact, pays for the actual production of electricity and have an output of 900 kWh or 1,200 kWh per year per kWp installed can make a difference. Another important parameter in the decision for funding is the choice of the spread, which is the mark that each bank decides to add to the base rate and it represents, plus the cost of money has its price - in Europe is called Euribor - the final price of the loan. This parameter should be carefully evaluated because a change in spreads of even one percentage point can mean several thousands of euro more in interest.
from the magazine Solar & Renewable Energy of November 2010. The magazine article explores the following topics:
- How to evaluate the duration of the loan
- variable or fixed? It depends on the risk factor
- Who can apply for funding
- What guarantees require banks
- Cap and Floor: What does it mean?
- Attention to Spread
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