Is photovoltaic power generation loan feasible?

How much can a 1-mu photovoltaic power station borrow?

The maximum amount of photovoltaic loan can be 1 million. Pure credit loans, unsecured, simple and fast procedures, can be accepted nationwide. The relevant person in charge said that as long as it is provided by the authorized distributor of Sunshine Power, the users of Sunshine Home Photovoltaic can apply.

Moreover, as an investor and partner of the power station, Photovoltaic Headline recommends a photovoltaic service provider, Zhejiang Carbon Bank, which has cooperated with many suppliers to provide power station supply and marketing, survey, installation and design. The EPC business of power station covers more than 2 districts and counties in 1 provinces including Zhejiang, Shandong and Jiangsu. The photovoltaic loan of Zhejiang Carbon Bank cooperates with Industrial and Commercial Bank of China, which can be loaned for up to 8 years, with an annual interest rate of 3.3% and a maximum loan of 15, yuan. Moreover, Zhejiang Carbon Silver Photovoltaic also gives users free power station insurance for up to 8 years to ensure the safety of users' power station property.

In addition, the introduction of "photovoltaic loan" is a powerful measure for banks to respond to the government's support for the healthy development of photovoltaic industry, and it is also an innovation of business model and a good carrier for expanding new customers. For ordinary people, installing a household photovoltaic power station does not cost them a penny, which is equivalent to a long-term and stable source of income; For the government and society, it has created an innovative model of "new energy and new countryside", which plays an important role in energy conservation and emission reduction, improving the energy structure and natural environment, and is a great good thing that benefits the country and the people and wins by many parties. In accordance with the principle of capital preservation, the preferential loan interest rate will be implemented, which will be lowered by -1% on the basis of the benchmark interest rate of the People's Bank of China. The specific pricing authority shall be subject to the authorization issued by the Head Office. Loan projects generally adopt secured loans, and the amount of guarantee must cover the loan principal and interest during the loan's existence. The guarantee scheme can be optimized through the combination of guarantee, mortgage and pledge.

: loan conditions:

1. China citizens who have a fixed residence or valid residence certificate at the place where the loan is located, are under the age of 18 -6, 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 have no bad credit record;

4。 There must be no bad record left in the bank

5. You can apply for a loan if your monthly income is more than 2 yuan.

how long will it take for farmers' photovoltaic loans to come down in p>222

within p>24 hours. The photovoltaic loan products of the Postal Savings Bank, through cooperation with photovoltaic equipment distributors, mainly support farmers to build photovoltaic power stations, which will be handled on the same day. Loans will be issued within 24 hours, so farmers will be able to issue photovoltaic loans within 24 hours in 222. The term of photovoltaic loan for products is 3 years, and the amount of principal and interest to be paid each month is small, which greatly reduces the financing cost of farmers.

How much can I borrow for photovoltaic

The loan amount should be controlled within 1% of the total amount of "photovoltaic" facilities installed. In principle, the personal loan should not exceed 1, yuan, and the enterprise loan should not exceed 3, yuan, and the longest term can 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 loans are also an important form of supporting photovoltaic poverty alleviation, which is a good thing for the country to reduce the economic burden of poor households. Therefore, 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, at present, 19 banks in 19 provinces and cities have launched "photovoltaic loan" business.

how to choose the right photovoltaic loan business?

if you choose the photovoltaic loan business, you will choose a regular enterprise! The so-called formal enterprises generally have their own brands and production bases, and provide clear quality commitments and guarantees for products. Generally, regular enterprise products have complete product certification and qualification, and enterprises pay special attention to after-sales service. Reliable photovoltaic enterprises will provide professional after-sales service, and some enterprises will hold on-site inspection, testing and other services on a regular basis.

1. Strict access and introduction of high-quality photovoltaic power plant enterprises.

Jiangdu Rural Commercial Bank issued the Regulations on Access of Cooperative Units of Photovoltaic Power Plant Loans, the Agreement on Cooperation of Photovoltaic Power Plant Loans, and the Letter of Confirmation of Loan Guarantee, etc., and publicized the enterprises with access to the whole bank to ensure that the risks can be controlled from the source. At the same time, establish an elimination mechanism, stop cooperation with photovoltaic enterprises that do not meet the requirements, and standardize the behavior of photovoltaic power plant installation enterprises.

2. standardize the propaganda and create a good social cognitive atmosphere.

when promoting the target functions and benefits of photovoltaic power plant products and distributed photovoltaic power plants, as well as the existing shortcomings and risks, photovoltaic enterprises shall not use any false words to exaggerate the functions and benefits of products, and shall not use the language of "cooperation, installation-free, bank guarantee" in any publicity materials or slogans, such as informing farmers of their rights and responsibilities, so that farmers can understand the operating mechanism and repayment responsibility of distributed photovoltaic power plants.

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

in front of the machine, the actual income and possible risks of the photovoltaic power station are truthfully informed to the installation customers, and the farmers are told that the photovoltaic power station is to buy family property, and the photovoltaic power generation income is part of the family income, and the photovoltaic loan is to help them buy family property, and the family income must be returned on time. It is also advisable to arrange a certain proportion of down payment (more than 2% is better), emphasizing that the power station is bought by farmers themselves, and the later loans should be repaid by family income, so as to urge them to pay attention to product quality, supervise the installation effect, care about after-sales service, and establish the main inspection responsibility and repayment consciousness from the beginning of installation.

4. Urge to buy insurance and establish a risk compensation mechanism.

photovoltaic enterprises are required to handle relevant insurance for the products installed by borrowers (farmers and enterprises), focusing on product quality insurance. The quality assurance insurance time of photovoltaic panels is not less than 1 years, the module conversion efficiency insurance is not less than 1 years, and the power generation attenuation rate is not higher than 2%. And buy property insurance. Practice has proved that it is very necessary to insure property insurance for farmers. For example, last summer, two farmers who borrowed photovoltaic power plants in Jiangdu were damaged by lightning and lost more than 2, yuan. Fortunately, the original insurance made up for the losses caused by natural disasters.

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 professional people do professional things, strictly abide by the code of integrity, and put an end to moral hazard; The third is to unify the "three checks" standard to prevent credit risks. Optimize the "three checks" template of distributed photovoltaic power plant loans, conduct a major investigation 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. Targeted farmers should correctly understand the role and risks of photovoltaic power plants and firmly establish the consciousness of reimbursement. Implement double filing of loans, focus on reviewing insurance contracts, electricity sales agreements, etc., consolidate the responsibilities of both parties, and avoid loans; After the loan, focus on photovoltaic

what kind of loan is photovoltaic installation loan

photovoltaic installation loan belongs to green loan.

photovoltaic loan is an innovative variety of green loan, which mainly provides photovoltaic installation enterprises with the loan business needed for building rural distributed power stations.

photovoltaic loan is a photovoltaic loan product launched by banks for photovoltaic power generation projects. Generally, photovoltaic loans are cooperated by banks and third-party guarantee institutions. Banks are responsible for issuing loans and supervision, and third-party guarantee institutions guarantee photovoltaic projects.

so much for the introduction of photovoltaic power generation loans.