Choosing the right financing for energy saving
Ad hoc funding for the installation of renewable energy installations on the roof of the house. Proposals for "zero cost" by Esco for photovoltaic panels. Subsidized loans for those who restructures home to save on consumption. The growing attention of consumers to the issues, but especially the presence of public incentives for these jobs, have raised significantly the range of products specifically for domestic interventions in the energy field. So the challenge becomes more difficult to choose the product that best suits your needs.
Mortgage or loan?
In order not to be misled by the conditions advertised in the brochure, the first suggestion is to start from an analysis of their needs: "The best thing is to estimate the cost that you are willing to support, and then see if the family finances allow you to make the 'investment, or - on the contrary - it is better to rely on road funding, "advises Robert Anedda, vice president of the comparator via the Internet Mutuionline," pointing out that the latter choice inevitably lengthens the timing of depreciation. "
The second step consists in the choice of the product, starting from the comparison between mortgage and personal loan: "Up to 20-25 thousand euro is recommended that the loan," adds Anedda, "considering that rates today are around 6%." A few tenths more than the fixed rate, but with the guarantee to rely on a much more streamlined bureaucracy, with funding which maxes out within two to three weeks, and at no cost to the notary or the mortgage. "For higher amounts, however the mortgage is cheaper."
Another important parameter in the decision of a loan is the spread, or the reloading of each bank decides to add to the base rate, and that is the final price of the loan. A change of even one percentage point can translate into several hundred Euros to pay more in interest.
What type of plant
If surgery is required the construction of a photovoltaic system on the roof must also take into consideration the current average fuel consumption, "to understand the timing of return in investment," says Oliviero Malaguti, CEO of Abacus Facility (Gabetti Group) "provided that the PV has proved a profitable investment so far, which will also apply to the future, despite the recent incentive cuts, offset by a significant decline from the materials."
Malaguti advisable to compare the offers of lenders also based on the existence or otherwise of insurance policies on the plants against the risk of stoppage of the plant (for example, possible electrical failure, weather damage or theft). "Increased safety for both parties, but also a further cost to put into account," says the CEO of Abaco. On average, the all-risk insurance cost photovoltaics is about 20-25 euro per year per Kw insured, but with a provision for exemptions, which variously significantly between policy and another.
The role of Esco
To assess - in the case of photovoltaic systems is that of building renovations - is also the possibility of relying on an ESCO (Energy Service Company), companies specializing in interventions aimed at energy saving, who are responsible for the cost of the construction work ( thus relieving the customer), in exchange for sharing the savings obtained. "Often, these companies offer interventions at no cost, but in return demand to retain most of the savings," warns Malaguti, "so a careful analysis of expected benefits and money saved."
10/02/2011
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Translated via software
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Source:
Italian version of CercaGeometra.it