Photovoltaic poverty alleviation loan target:
__ 1. Wholly state-owned and holding enterprises (Class I companies) funded by local governments and not listed in the financing platform list of regulatory authorities.
__2. Central enterprises and their subordinate enterprises (second-class companies).
__3. Projects jointly established by non-state-controlled listed enterprises and local governments or (and) state-owned enterprises (three types of companies).
__4. The original local financing platform companies have established a modern enterprise system through market-oriented restructuring and realized market-oriented operation. Their local government debts have been included in the government budget and properly handled, and they have clearly announced that they will no longer undertake government financing functions in the future, but they can also undertake photovoltaic poverty alleviation tasks as the implementation subject.
__5. Other mixed-ownership enterprises and private enterprises with good credit.
_ _ Term, interest rate, amount and method of photovoltaic poverty alleviation loan:
__ 1. Loan term. According to the borrower's comprehensive solvency, the payback period of photovoltaic poverty alleviation project investment, construction progress, etc. , the longest period shall not exceed 15 years.
__2. Loan grace period. According to the construction period of the project, an appropriate grace period is given, generally 1 year, and the longest is no more than 2 years.
__3. Loan interest rate. According to the principle of capital source cost and capital preservation, the preferential loan interest rate will be implemented, which will be lowered by 0- 10% on the basis of the benchmark interest rate of the People's Bank of China. The specific pricing authority is subject to the authorization of the Head Office.
__4. Loan amount. According to the actual needs of the project construction and the borrower's capital demand, solvency and risk protection measures provided, the loan rating is reasonably determined.
__5. Loan method. Projects generally adopt secured loans, and the guaranteed amount must cover the principal and interest during the loan's duration. The guarantee scheme can be optimized through the combination of guarantee, mortgage and pledge.
Photovoltaic loan is a credit policy issued by the central bank to encourage the development of emerging industries, requiring all banking institutions to support the development of photovoltaic industry. Photovoltaic loans are also one of the important forms to support photovoltaic poverty alleviation. "Photovoltaic loans" are issued to individuals and enterprises with good credit status and stable income sources within their jurisdiction. The special loan is used to pay the cost of complete sets of equipment for distributed photovoltaic power plants. The loan amount is controlled within a certain proportion of the total installation of "photovoltaic" facilities. In principle, personal loans should not exceed 654.38 million yuan, and corporate loans should not exceed 500,000 yuan, and the longest term can reach 5-8 years. Flexible repayment, you can choose to pay interest monthly, quarterly or annually, and the income will be paid off with the principal.
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.
What is the maximum amount of photovoltaic loans?
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.
Purpose of photovoltaic loan
The loan is used to support the construction of village-level photovoltaic power stations or centralized photovoltaic poverty alleviation power stations listed in the photovoltaic poverty alleviation implementation plan approved by the National Energy Administration and the the State Council Poverty Alleviation Office, as well as related expenses and liquidity requirements.
Photovoltaic loan installation, monthly power generation can pay off the loan?
You can't. If you use a photovoltaic power station that is enough to buy a photovoltaic loan and install it on your roof, you can't cancel the monthly power generation (no repayment), so you can't pay off the loan. Photovoltaic loan refers to a form of loan issued by banks to individual users.