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BENEFITS for your company

minimum expenses on the electricity bill, after the system becomes functional.


 

50% discount compared to the standard price - investment loan with extremely low costs

 

 

ZERO cost in the first 3 months - grace period

Green investment credit - on favorable terms

Value: 85% of the investment (excluding VAT);
Currency: RON;
Total grace period: 3 months from the signing of the loan agreement - the period in which the photovoltaic panel system will be built and put into operation (thanks to the payment of commissions, interest and principal) after which the repayment is made in monthly installments equal until the end of the loan period;
Repayment period: 5 years (for Micro customers), 7 years (for SME / Corporate customers);
Guarantees: the project will be used as a guarantee depending on the client's classification, according to the bank's policies.

Green investment loan within IMM Invest or AGRO IMM Invest

Value: 85% of the investment (excluding VAT) but not more than 10,000,000 lei;
If the financing is granted within the AGRO IMM Invest program, a non-reimbursable grant of up to 10% of the value of the loan used may be granted, which will be used to repay the loan / according to the client's needs if the loan has been repaid *;
Currency: RON;
Grace period: 3 months from the signing of the credit agreement - the period in which the photovoltaic panel system will be built and put into operation (thanks to the payment of the principal) after which the repayment is made in equal monthly installments until the end of the period lending;
0 lei interest in the first 8 months from the date of first use (this is subsidized by the Romanian state);
Repayment period: 6 years;
Guarantees: photovoltaic panel system and guarantee fund guarantee (up to 80% of the loan amount)

* The grant is offered by FNGCIMM / FGCR within 1 year from the approval of the bank's application. The request is made on December 7, 2022.

The conditions presented above are the general ones. The detailed conditions are presented in the offer / loan agreement / guarantee agreement and the financing agreement signed by the client, the bank and FNGCIMM / FGCR, as the case may be - they may vary.

The Green Loan from First Bank is granted only to companies that are / will become prosumers, respectively to those that will include the excess of active electricity produced in the national network.

Calculul beneficiilor aduse de Creditul Verde

In situatia in care ai un IMM cu un consum anual de 115 MWh energie electrica, respectiv o factura lunara de circa 8,200 lei (fara TVA) si iti instalezi un sistem de panouri fotovoltaice de putere 100 kwp, care incepe sa produca din luna nr. 4 de la contractarea creditului, poti obtine urmatoarele beneficii financiare:

BENEFICII pe parcursul perioadei de creditare
RON fara TVA
Plati lunare CU proiect incepand cu luna a 4 a (rata credit + costuri intretinere si asigurare + alte costuri cu energia consumata din retea cum ar fi: costuri de transport, certificate verzi etc.)
6,165
Plati lunare FARA proiect (factura cu energia electrica)
8,200
ECONOMIE lunara generata de proiect pe perioada de creditare
2,035
ECONOMIE totala generata de proiect pe perioada de creditare (pana in anul 7)
164,835
BENEFICII post creditare
RON fara TVA
Plati lunare CU proiect dupa rambursarea integrala a creditului (costuri intretinere si asigurare + alte costuri cu energia consumata din retea cum ar fi: costuri de transport, certificate verzi etc.)
1,297
Plati lunare FARA proiect (factura cu energia electrica)
8,200
ECONOMIE lunara generata de proiect in perioada post-creditare
6,903
ECONOMIE totala generata de proiect dupa perioada de creditare, pana in anul 25 (pe durata de viata a sistemului de panouri fotovoltaice)
1,491,048

 

Acesta este un calcul orientativ. Pentru mai multe informatii va rugam sa ne contactati

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FAQ

During what period can photovoltaic panels be used?

The photovoltaic panel system can be used for about 25 years. After repaying the loan, you will be left with a substantial savings as a result of minimizing your electricity bill costs.

Can I become a prosumer?

Yes, with financing from First Bank, you have the opportunity to become a prosumer, respectively to include the excess energy produced in the national grid (for photovoltaic panel systems up to 200 kwp) and to use it during periods of low production or to use it for sells in the national grid (for photovoltaic panel systems between 200 and 400 kwp)

Can I get energy independence for my company?

Depending on the installed photovoltaic system, it is possible to achieve the complete elimination of the cost of electricity as a result of its own production. You become independent of the fluctuations of the price of electricity. During the crediting period, the cost of the active electricity bill can be replaced by the cost of the loan, thus the cash flow is not affected.

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