How much can photovoltaic loan?

Loan terms:

1。 China citizens who have a permanent residence or valid residence certificate at the place where the loan is located, are under the age of 18 -60, and have full capacity for civil conduct;

2。 Having the ability to repay the loan principal and interest on schedule;

3。 Have a good credit record and willingness to repay, and no bad credit record;

4。 The bank must have left no bad record.

5。 The monthly income is more than 2000 yuan.

You can apply for a loan if you meet the above conditions.

2. How much can I borrow from photovoltaic?

The loan amount shall be controlled within 65,438+000% of the total installation amount of photovoltaic facilities, and the personal loan shall not exceed 65,438+000,000 yuan in principle, and the enterprise loan shall not exceed 300,000 yuan in principle, and the longest term may reach 5 years.

Photovoltaic loan is a credit policy issued by the central bank to encourage the development of emerging industries, requiring all banking financial institutions to support the development of photovoltaic industry. Photovoltaic loan is also an important form. For the country to reduce this point, photovoltaic loans are an important measure for banks to implement the central bank's policies, and photovoltaic loans are very real.

According to the statistics of household photovoltaic network, there is 19 "photovoltaic loan" business at present.

How to choose the right photovoltaic loan business?

Choose a regular enterprise when choosing photovoltaic loan business! The so-called formal enterprises generally have their own brands, production base commitments and guarantees. General formal enterprise products have complete product certification and qualification, and enterprises pay special attention to after-sales service. Reliable photovoltaic enterprises will regularly hold on-site inspection, testing and other services.

1, strict access, introduction of high-quality photovoltaic power plant enterprises.

Jiangdu Rural Commercial Bank issued the regulations on the access of photovoltaic power plant loan cooperation units, the photovoltaic power plant loan cooperation agreement and the loan burden for publicity to ensure the risk control from the source. At the same time, establish an elimination mechanism, stop cooperation with unqualified photovoltaic enterprises, and standardize the behavior of photovoltaic power plant installation enterprises.

2, standardize the propaganda caliber, and create a good social recognition.

When promoting the target functions and benefits of photovoltaic power plants, photovoltaic enterprises shall not use any false words to exaggerate the functions and benefits of products, and shall not use such languages as "cooperation, installation-free, bank guarantee" in any publicity materials or slogans, such as informing farmers of their rights and responsibilities and letting farmers know about distributed photovoltaic power plants.

3, clear the main responsibility, and guide farmers to perform their duties.

In front of the machine, truthfully inform the installation customers of the actual risks of photovoltaic power plants, and inform farmers that photovoltaic power plants are to buy family property, and part of them is to help them return their family income on time. You can also arrange a certain proportion of down payment (more than 20% is preferred), emphasizing that farmers buy the power station and repay it themselves, so as to urge them to pay attention to product quality, supervise the installation effect, care about after-sales service, and establish the responsibility of main inspection and repayment consciousness from the beginning of installation.

4. Impulse to buy insurance

It is required that the photovoltaic enterprises connected to it handle relevant insurance for the products installed by borrowers (farmers and enterprises), with the emphasis on product quality insurance. The warranty period of photovoltaic panels shall not be less than 10 year, the conversion efficiency of modules shall not be less than 10 year, and the power generation attenuation rate shall not be higher than 20%. And buy property insurance. Practice has proved that it is very necessary to insure property insurance for farmers. For example, last summer, photovoltaic equipment on the roofs of two farmers who borrowed photovoltaic power plants in Jiangdu was damaged by lightning, resulting in a loss of more than 20,000 yuan. Fortunately, the original insurance made up for the losses caused by natural disasters to farmers.

5. Optimize the loan process and strengthen risk prevention and control.

Risk prevention and control in the whole process of loan. First, unify the loan operation mode, formulate a perfect system and scientific process standard procedures according to the characteristics of photovoltaic loans to prevent operational risks; Second, form a joining team, let professionals do professional things, strictly abide by the principle of good faith, and put an end to moral hazard; The third is to unify the "three checks" standards to prevent credit risks. Optimize the "three checks" template for distributed photovoltaic power plant loans, conduct a large survey on farmers' willingness and ability to repay loans in the early stage, publicize whether the company meets the standards, plant protection products and installation quality control, and conduct publicity and guidance. Target farmers should correctly understand the role and risks of photovoltaic power plants and firmly establish the consciousness of reimbursement. Implement double filing of loans, focusing on reviewing insurance contracts and electricity sales agreements. , consolidate the responsibilities of both parties and avoid loans; Focus on photovoltaic after loan

Third, the bank photovoltaic loan application process?

Photovoltaic loan application is mainly divided into three stages: application and review, review and signing of contracts, and loan issuance.

1. Application and review: After the project is put on record, the loan application materials shall be submitted to the Municipal Energy Conservation and Emission Reduction Center with the identity certificate of natural person, personal assets certificate or business license, articles of association, financial audit report for the last three years, project filing, power grid access approval, land or roof lease agreement, power purchase agreement, energy management contract and other relevant documents. After passing the preliminary examination and review by the Municipal Emission Reduction Center, the Municipal Emission Reduction Center will organize the road test and review of the project within 10 working days, and submit the recommendation opinions and related materials to banks and guarantee companies. Banks and guarantee companies simultaneously carry out guarantee audit work, and banks and district and county finance bureaus provide audit opinions.

2. Review and sign the contract: The guarantee company shall complete the guarantee review and sign the guarantee contract within 5 working days after receiving the review opinions and relevant materials from the bank. The bank shall sign a loan contract with the loan enterprise within 2 working days after receiving the guarantee contract.

4. How much can photovoltaic power generation with 10 million investment be?

First of all, the question you asked is not rigorous. The income from photovoltaic power generation (100000) consists of state subsidies and local subsidies (including provincial, municipal and county subsidies). According to the different local radiation, the state subsidies are divided into 0.9 yuan/kWh, 0.95 yuan/kWh and 1 Yuan/kWh (both including 10).

According to the national support policy for new energy sources, the value-added tax on power products (photovoltaic power generation) produced before 20 15 12 3 1 will be refunded by 50% upon collection. Of course, VAT can be deducted. The income tax is subject to the policy of three exemptions and three reductions.

Generally speaking, the investment in photovoltaic power generation basically does not pay taxes for the first five years, and pays taxes every 10mw after five years, which is about 2 million yuan per year.