Smart Financing

Smart Financing - How to finance a solar roof wisely

Understanding Solar Roof Financing

When considering the construction or renovation of a roof, it is natural to compare the costs of different solutions. The eTile solar roof may seem at first glance a more expensive option than traditional roofing. However, such a comparison is incomplete, since it does not take into account two key aspects: the need for subsequent installation of photovoltaics and the long-term financial benefits.

Let's imagine a typical scenario: the investor chooses a traditional ceramic roof, and after a few years decides to install photovoltaic panels. In this case, it has to incur a double cost - first for a high-quality roof, and later for the photovoltaic installation along with the mounting structure. Moreover, the installation of panels on an existing roof often requires interference with its design, which can lead to loss of warranty.

The eTile solar roof eliminates these problems by combining roofing function with energy production in a single, integrated system. The cost of such a solution is comparable to the sum of expenses for a separately realized premium roof and photovoltaic installation. The difference is that we get a product designed as a whole, with a full guarantee and without the risk of subsequent complications.

The analysis of the total cost of ownership (TCO) is definitely in favor of a solar roof. This includes not only direct savings on energy bills, but also a higher property value. Market research shows that houses equipped with modern photovoltaic systems are valued on average 4-8% higher than similar properties without such solutions.

Importantly, the investment in a solar roof acquires additional importance in the context of rising energy prices. At the current rate of increase in electricity prices, the payback period is steadily decreasing. In a typical single-family house, the eTile system with a capacity of 10 kWp can generate savings of several thousand zlotys per year, which at current energy prices means a return on investment within 7-8 years.

An additional argument in favor of a solar roof is the upcoming EU regulations. From 2029, all new residential buildings will have to be equipped with photovoltaic systems. By investing in a solar roof today, we are ahead of these requirements, which may make a difference in the possible sale of real estate in the future.

It is also worth remembering that the decision to install a solar roof does not have to mean a one-time, large expense. Currently, there are many financing options available that allow you to spread the investment over time, while taking advantage of the savings generated. In the next section, we will look closely at the available financing options and how to choose the most advantageous option for your situation.

Optimization of financing

Once we understand why a solar roof is a good investment, it is worth knowing the financing options available that can significantly reduce the initial cost of the investment and make it more affordable.

The first and most attractive source of support is government grants. The “My Power” program in its current edition offers co-financing for photovoltaic installations connected to energy storage. The maximum grant amount can reach PLN 23,000 (PLN 7,000 for a photovoltaic installation and PLN 16,000 for an energy storage). This is a significant support that can cover up to 20-25% of the total cost of the system.

Another form of support is the thermo-modernization allowance, which allows deducting from the tax base expenses for photovoltaic installation up to PLN 53,000. For people in the second tax threshold, this means real savings of up to PLN 17,000. Importantly, this relief can also be used when installing the eTile solar roof, as it meets all the technical requirements for photovoltaic installations.

Electrotile works with leading financial institutions that offer special credit programs for investments in renewable energy sources. An example is cooperation with Raiffeisen Digital Bank, where we can offer:

• Loan period from 12 to 120 months
• No commission for granting a loan
• Competitive interest rate (APRC 11.99%)
• Fast credit decision - even in 15 minutes
• Possibility of lending amounts from 1000 to 150 000 PLN

Importantly, loan installments can often be lower than the monthly savings on energy bills. This means that the system practically pays for itself, additionally generating financial surpluses. For example, with a loan for 7 years, the monthly installment can be about PLN 1200, while the savings on electricity bills can reach PLN 1500-2000 per month.

For customers planning to build a home, we also offer the option of including the cost of a solar roof in a mortgage. This solution allows you to spread the investment over a longer period and at the same time take advantage of the lower interest rate typical of mortgage loans. In addition, the increased value of real estate resulting from the installation of the eTILE system can positively affect the credit rating.

Electrotile's support program includes comprehensive assistance in the process of obtaining financing. Our advisors help you:

• Choosing the optimal form of financing
• Preparing the necessary documentation
• Completing applications for grants
• Completion of documents for tax deduction
• Monitoring the allocation process

It is worth emphasizing that an investment in a solar roof is not only a cost - it is primarily a capital investment that generates a tangible return in the form of savings on energy bills. In the next section, we will look at what the funding process looks like in practice and what steps need to be taken to make the most of the available support opportunities.

Practical support in the financing process

The path to financing a solar roof may seem complicated, but with the right support, it becomes simple and clear. Let's take a look at how the process of obtaining funding looks in practice and what support you will receive at each stage.

It all starts with the first meeting with an Electrotile advisor. This is not a typical sales conversation - it is rather a financial consultation, during which we analyze your situation and needs. The advisor will help you understand not only the costs, but above all the long-term financial benefits. You will receive a detailed simulation showing the projected savings on your energy bills and the payback period.

Suppose you have decided on a solar roof with a capacity of 10 kWp. Your advisor will prepare several funding scenarios, taking into account different sources of support. First of all, he will check the possibility of obtaining a subsidy from the “My Power” program. If you are planning an installation with an energy storage, you can receive a subsidy of up to PLN 23,000. The advisor will help you prepare all the documents and fill out the application in such a way as to maximize the chances of receiving a grant.

In parallel, we begin the process of applying for bank financing. Thanks to cooperation with Raiffeisen Digital Bank, we can offer a fast credit path. All you need is your ID card and basic income information to receive a preliminary credit decision within 15 minutes. Moreover, our advisors will help you choose the most favorable repayment option, tailored to your financial capabilities.

Throughout the process, you have access to a dedicated guardian who monitors the progress of all formalities. You don't have to keep track of deadlines or worry about paperwork yourself — you'll get notified of every important stage of the process and tips on what to do next.

Once the financing and implementation of the investment are launched, the support does not end. We help in preparing documents for the settlement of the thermo-modernization allowance, which will allow you to recover part of the costs incurred in the tax settlement. In addition, you will have access to an application that monitors the work of the installation, thanks to which you will be able to keep track of the generated savings on an ongoing basis.

Long-term advice on optimizing energy consumption is also an important element of support. Our experts will help you make the most of the potential of the installation, advising, for example, on how to plan the operation of energy-intensive devices in order to increase the self-consumption of the energy produced.

Electrotile also offers an investment protection program that secures your interests over the long term. It includes not only the standard product warranty, but also the energy yield guarantee. This means that you can be sure of both the durability of the system and its financial efficiency.

Remember that investing in a solar roof is not a one-time expense, but a long-term strategy to save and build the value of your property. With our support, the financing process becomes simpler, and you can focus on what matters most — the benefits that a modern, energy-efficient home will bring you.

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