According to the Opinions on Supporting Distributed Photovoltaic Power Generation Financial Services signed by China Development Bank and the National Energy Administration, funds other than project capital can apply for loans. Recently, some banks and other financial institutions have begun to provide loans and other financing services to distributed users. Generally speaking, anyone with a good credit status and no major bad record can get a loan.

The advantage of photovoltaic loan is that you can enjoy the environmental protection and economic benefits of photovoltaic power generation, and at the same time reduce your financial pressure. However, photovoltaic loans also have some risks, such as:

1. The income of photovoltaic power generation is affected by weather, policy, market and other factors, which may be unstable or not up to expectations.

2. The photovoltaic loan interest rate generally rises 10%-40% on the basis of the benchmark interest rate. If you don't do a good cost-benefit analysis, it may increase your burden.