Financing, Proposes Mortgage or Credit Line – Credit Loans

 Among the numerous offers of banks and financial loans for photovoltaic systems, Banca Etica’s offers differ in terms of the possibility, in addition to the usual disbursement in the form of a loan / loan, to obtain the amount financed in the form of a credit line. This credit line will be deducted, on an annual basis, from the amounts deriving from the State account of the Energy Account. The traditional product is “Photovoltaic 100”, while the trust is called “CONTO Energetico”.

 

Characteristics of the 100 and ENERGY ACCOUNT financing

 

Characteristics of the Photovoltaic 100 and ENERGY ACCOUNT financing

 

Both forms of financing can reach the maximum amount of 6500 euros (excluding VAT) per KWp (peak kilowatt, the maximum peak power of the plant) and a percentage up to 100% of the investment for the account while for the loan c ’80 a limit of 80% if the plant goes beyond 20 KWp.
Interest rates can be fixed or variable. These last ones are based on the duration according to the following groups (for Photovoltaic 100):
– up to 10 years: 3-month Euribor + 1.50% spread
– from 10 to 15 years: 3-month Euribor + 1.60% spread
– from 15 to 20 years: 3-month Euribor + 1.75% spread
The energy account has instead a higher variable, always based on 3-month Euribor but with a 2.50% spread.
The fixed rates are instead IRS letters pd + 2.95% for the loan and IRS letter pd + 3.50% for the credit line.
In the case of the account the maximum amount disbursed cannot be higher than that for a 6KWp plant, therefore 39000 euros. .

It is possible to simulate the loan simply by entering the APR and activating the ‘Simulate!’ Function. By moving the sliders it will be possible to vary the amount requested or the amount of the installment that you are willing to pay to get an idea of ​​how one changes with the other.

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