The loan for the purchase of photovoltaic systems, subject to tax relief and state contribution, allows the assignment of the energy credit to meet the installments.
One of the most expensive items in the family budget is the electricity bill: air conditioners, refrigerators, televisions, though modern and designed with an eye to ecology, absorb a lot of current, weighing heavily on the bill. A loan for the purchase and installation of photovoltaic solar panels (ie that produce electricity by converting solar energy) can be a solution to invest today and start saving today. why?
Characteristics of the photovoltaic loan
The peculiarity of a financing for photovoltaics is the strong incentive from the state to install and manage the plant. In fact, contributions are planned for purchase and assembly and, above all, the GSE (Electricity Services Manager) will buy back the surplus electricity that you will produce and will not consume at incentive rates. What does it mean? that when you are on holiday all the current that your system will continue to produce will be “channeled” onto the network and paid to you at higher rates than normal users pay to buy it.
From this it follows that when deciding whether to apply for a loan, you will need to calculate the maximum rate you are willing to pay, bearing in mind that part of it will be paid by the current resale. Money from the GSE will end up in an Energy Account. In most cases, those who will grant you the loan will ask you directly to sell the Conto Energia credit, obviously only until the debt is extinguished.
The form of disbursement of the loan varies depending on the bank or financial institution: sometimes it will be a personal loan, some others, if particularly long-term, a mortgage, other times a finalized loan (read the differences).
Who can request a loan for the purchase of a photovoltaic system
The loan can be requested by natural or legal persons. Leaving aside the forms of financing relating to the second (company) the former must be over the age of 18 and, generally, less than 75 years at the time when the payment of the last installment is envisaged. So the maximum age is 75 minus the length of the loan.
The documents required are those that attest to the income of the applicants and of any co-registered persons. In the majority of cases, the assignment of the credit of the GSE represented by a notarial deed is required. roduction …