prestamos para energías alternativas

Solar Financing For Dummies
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Solar Loans
Over the last few years, solar energy companies and financial institutions have started offering solar loans to give buyers an easy payment plan over a fixed term. Solar loan financing allows customers to avoid steep upfront payments, get fast approval depending on credit status, and lock in low interest rates. Solar loans generally give the borrower immediate ownership of the panels, meaning they can benefit from solar tax credits, rebates, and lower energy costs as soon as the panels are up and running.

Typically solar loans will separate your 30% Solar ITC (Tax Credit) onto a Same As Cash (SAC) loan with no interest or payments due for 6,12, or 18 months giving you time to receive your tax credit and apply it to the principal with out any penalty. This way your monthly solar payment is paying down only the net cost of your system keeping your current budget for power bills unaffected. Your simply use the monthly savings on your electric bill to pay for the solar work.

Solar Purchasing and Mortgages
If you have the funds, you can always pay for your solar array outright. This requires the steepest investment at the outset, but it also guarantees that all rebates, credits, and net-metering payouts belong to you and not to a financing company.

In the event that you don’t have the cash to buy a system outright, but you loathe to take on a lease or solar loan, you may be eligible for an Energy Efficient Mortgage (EEM). These special financing options are available either through the US government or an entity like Fannie Mae. Homeowners buying new properties that already meet certain standards for eco-friendliness qualify for these mortgages, though buyers interested in making energy-efficient upgrades to their existing home may also be able to qualify for refinancing options.

Overall, solar panels can do a lot of good for your home. They lower energy costs, decrease carbon output, and even boost property value. So no matter how you finance your array, there’s no doubt that it will be an investment worth the money.