The application for photovoltaic loans is mainly divided into three stages, namely, application and review, review and signing of contracts, and loan issuance.
2. How to handle the photovoltaic loan of ICBC?
It is best to consult the local bank for loans. When the borrower submits an application for personal loan to the bank, he/she needs to fill in a written application form and submit the following materials: 1, with his/her valid identity certificate; 2. Proof of residential address (household registration book, etc.). ) is required; 3. Personal professional certificate; 4. Proof of income of the loan applicant and his family members; 5. Other information stipulated by the bank. 1. What are the requirements for applying for a photovoltaic loan? The loan object and repayment method are summarized as follows: 1. The bank does not stipulate that all enterprises can apply for photovoltaic loans. Photovoltaic loan is a new type of loan jointly launched by banks and enterprises, but before the cooperation between enterprises and banks, it needs to be reviewed by banks. Only when enterprises have good reputation and strength can they cooperate with banks to undertake photovoltaic loan business. In other words, as long as this enterprise can apply for photovoltaic loan business, then this enterprise is a powerful photovoltaic enterprise after bank audit. 2. Neither household photovoltaic systems nor owners of small and micro enterprises can use photovoltaic loans for other purposes. In fact, the repayment fund of the loan is mainly the income of the power station, and the industry does not need to take the initiative to use other funds to repay. 3. Provisions on the loan amount of photovoltaic loans. The loan amount for farmers is controlled within 80,000 yuan, and the loan amount for small and micro enterprises is controlled within 500,000 yuan. Second, as a merchant who wants to install photovoltaic through photovoltaic loans, how should he choose the loan business 1? First of all, you need to choose a formal enterprise. The so-called formal enterprise means having its own production base and brand, and the products it provides can have clear warranty and after-sales problems. 2. Choose a reputable EPC. Generally speaking, regular photovoltaic companies will not directly connect with users, but should be EPC companies (general contractors). A reputable EPC company will be authorized by a photovoltaic company. Users need to have a comprehensive understanding of this company when choosing, and at the same time know whether the enterprises and brands they cooperate with are formal.
Third, how to apply for a photovoltaic loan?
1, application and review:
After the project is put on record, the loan application materials shall be submitted to the Municipal Energy Conservation and Emission Reduction Center with the identity certificate of natural person, personal assets certificate or business license, articles of association, financial audit report of the last three years, project filing, power grid access approval, land or roof lease agreement, power purchase agreement, energy management contract and other relevant documents. After passing the preliminary examination and review by the Municipal Emission Reduction Center, the Municipal Emission Reduction Center will organize the road test and review of the project within 10 working days, and submit the recommendation opinions and related materials to banks and guarantee companies. Banks and guarantee companies simultaneously carry out guarantee audit work, and banks and district and county finance bureaus provide audit opinions.
2. Review and sign the contract:
The guarantee company shall complete the guarantee audit and sign the guarantee contract within 5 working days after receiving the audit opinions and relevant materials from the bank. The bank shall sign a loan contract with the loan enterprise within 2 working days after receiving the guarantee contract.
3. Loan issuance:
The bank will allocate the loan by stages according to the progress. After the project passes the special acceptance of the Municipal Energy Conservation and Emission Reduction Center and goes through the relevant mortgage procedures of the guarantee company, the bank will issue the loan balance.
4. How to apply for an interest-free loan to build a photovoltaic power station?
Yes, some banks and regions can apply for corresponding loans to build photovoltaic power generation systems. You can contact them for consultation.