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);
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 credit under IMM Invest Plus – frame Ukraina (IMM Invest, AGRO IMM Invest, IMM Prod, Garant Construct, Rural Invest and Innovation)
Value: 85% from the investment (without VAT) but no more than 10.000.000 lei (5.000.000 lei for primary agriculture, pisciculture, aquaculture)
Grace period: 3 months starting with the signing of the credit contract- the period in which to install and put into operation the photovoltaic system (grace period from the principal), after which the repayment is made in equal monthly annuities/rates until the end of the credit period;
0 lei interest in first 12 months from the first utilization (this is subsidized by the Romanian state);
Refund deadline: 6 years;
Guarantees: the photovoltaic system and the guarantee from the State (up to 90% form the value of the credit)
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.
Calculation of the benefits brought by the Green Loan
In the situation where you have a SME with an annual consumption of 200 of electricity, respectively a monthly bill of about 9,200 LEI (without VAT) and you install a photovoltaic system with enough power in order to cover the full energy consumption, which stars producing starting with month no 4 from contracting the credit loan, you can obtain the following financial benefits:
This is an indicative calculation. For more information, please contact us.
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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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