Solar PV loan: how to finance system and battery?
A solar system and battery can be financed through an instalment loan or a top-up. Work out the rate and check how it fits your electricity savings.
Is a loan for a solar PV system worth it?
A loan is worth it if the monthly rate fits your budget and the system saves electricity costs or earns feed-in income over the term. That depends on system size, self-consumption and electricity price. It needs an individual calculation.
Non-binding guide using an annuity rate and a fixed interest rate. The actual offer depends on creditworthiness, amount and term; the effective rate in the offer is what counts.
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Instalment loan or top-up for the solar system
Depending on size an instalment loan is enough; for larger projects a top-up or mortgage-backed loan is often cheaper.
See renovation loan.
Weigh the rate against the savings
Set the monthly rate against the expected electricity savings.
Reliable figures come from your installer's offer with a yield forecast.
Check funding and terms
Depending on the programme, funding or a subsidised loan may apply.
Conditions change; check the current position before placing an order. See KfW programmes.
Frequently asked questions
Can I finance solar PV with a loan?
Yes, by instalment loan or through a mortgage.
How long should the term be?
Long enough to keep the rate affordable, often 10 to 15 years.
Can the battery be financed too?
Usually yes if it is part of the offer.
Do I need security?
Not for an instalment loan; with a top-up the existing charge is used or extended.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.