Photovoltaic loans can reach up to 654.38+0 million. Pure credit loans, unsecured, simple and quick 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, users of Sunshine Home Photovoltaic can apply.

Moreover, as a power station investor and partner, Photovoltaic Headline recommended a photovoltaic service provider-Zhejiang Carbon Bank, which cooperated with many suppliers to provide power station supply and marketing, survey, installation and design. Power plant EPC business covers Zhejiang, Shandong, Jiangsu and other 10 provinces and more than 200 districts and counties. The photovoltaic loan of Zhejiang Carbon Bank cooperates with China Industrial and Commercial Bank, with a maximum loan of 8 years, with an annual interest rate of 3.3%, and a maximum loan of 654.38+0.5 million 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 launch 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 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 good thing for the benefit of the country and the people and win-win for all parties. According to the principle of capital preservation, the preferential loan interest rate is implemented, which is 0- 10% lower than the benchmark interest rate of the People's Bank of China. The specific pricing authority is subject to the authorization of the Head Office. Loan projects generally use secured loans, and the guaranteed amount must cover the loan principal and interest during the loan duration. The guarantee scheme can be optimized through the combination of guarantee, mortgage and pledge.

: 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。 You can apply for a loan with a monthly income of more than 2000 yuan.

How long will farmers' photovoltaic loans come down in 2022?

24 hours later. The photovoltaic loan products of the Postal Savings Bank mainly support farmers to build photovoltaic power plants through cooperation with photovoltaic equipment distributors, 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 2022. The term of product photovoltaic loan 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 photovoltaic loan?

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 loans are also an important form of supporting photovoltaic poverty alleviation, which is good 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, 109 banks in 9 provinces and cities have launched "photovoltaic loan" business.

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 and production bases, and have clear quality commitments and guarantees for their products. General formal 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 regularly.

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

Jiangdu Rural Commercial Bank issued the Regulations on Access of Cooperative Units of Photovoltaic Power Station Loan, the Agreement on Cooperation of Photovoltaic Power Station Loan, and the Confirmation of Loan Guarantee. And publicize the access enterprises of the whole bank to ensure that the risks are controlled 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 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 languages such as "cooperation, installation-free, bank guarantee" in any publicity materials or slogans to inform farmers of their rights and responsibilities, so that farmers can understand the operating mechanism and repayment responsibility of 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 benefits and possible risks of photovoltaic power plants, and inform farmers that photovoltaic power plants are to buy family property, photovoltaic power generation benefits are part of family income, photovoltaic loans are to help them buy family property, and family income must be returned on time. You can also arrange a certain proportion of down payment (more than 20% is better), emphasize that the power station is bought by farmers themselves, and the later loans should be repaid by family income, and 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. Supervise the purchase of insurance and establish a risk compensation mechanism.

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

What kind of loan does the installation of photovoltaic loan belong to?

Installation of photovoltaic loan is a kind of green loan.

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

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

Let's stop here for the introduction of photovoltaic power generation loans.