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    Green Loans

    Credit at a glance Benefits Good to know Documents needed What you can get credit for I want credit

    Green loans at a glance

    We support businesses that want to develop sustainably, producing green energy from renewable resources, both for their own consumption and to support the national economy.

    So, if you want to invest in photovoltaic panels, not only do you reduce your electricity costs for your company, but you also help the environment. Everyone benefits. And we offer loans in lei or foreign currency to finance up to 90% of your project.

    I want the credit

    Benefits

    • mReduce the environmental impact of your activities by using clean, solar energy
    • mYou can control the cost of your energy consumption by becoming a prosumer
    • mThe lifetime of current technology of up to 25 years allows you to make a profit, with the investment paying for itself in 4-7 years
    • mYou receive a guarantee for the installed PV system and other guarantees offered by guarantee funds or European institutions (EIF, EIB) or available programmes (SME Invest, COSME, etc.).
    • mWe offer you advice during the investment

    Required documents

    • Offer of the company installing the system
    • Solution study for prosumer location and consumption together with PVGIS analysis
    • Last 2 completed annual financial statements together with related balance sheets and receipts

    Good to know

    • Consumers are natural or legal persons who, according to Law 123 on energy, produce electricity from renewable sources for their own consumption and whose specific activity is not the production of electricity. Electricity suppliers are obliged to purchase the energy supplied by them either through compensation or financial settlement.
    • Grace period of up to 12 months for photovoltaic parks
    • We co-finance PNRR projects or projects related to other European Union programmes
    • You can refinance completed investments from credit or own sources up to 12 months in advance


    I want the credit

    What you can take credit for

    Electricity suppliers are obliged to purchase the energy produced and delivered to the grid from:

    • prosumers owning power plants with an installed capacity not exceeding 200 kW per place of consumption at a price identical to the price of active electricity used by the supplier
    • prosumers owning power plants with an installed capacity of between 200 kW and 400 kW per place of consumption at the weighted average price PZU (recorded in the Market for the Day Ahead) corresponding to the month in which it was produced

    Features and benefits

    • Receive credit for financing the installation (with or without batteries for storage)
    • Duration: 24 months - 10 years
    • Currency of the loan: Lei or Euro (for companies that have external contracts)
    • You can use the installed and insured system itself as a guarantee or other guarantees offered by guarantee funds or European institutions (EIF, EIB) or available programmes (SME Invest, COSME, etc.).
    • We co-finance the NRRP or other European Union programmes

    Documents required & conditions for granting:

    • Offer of the company installing the system
    • Solution study for prosumer location and consumption together with PVGIS analysis
    • The last 2 financial statements concluded together with the related balances and receipts
    • Invoices for services or equipment
    • The amount of the loan is a maximum of 90% of the investment
    • Your company's contribution must be at least 10%.

    Our recommendation is to contract with a company that installs and provides expert advice on connecting to the electricity grid.

    Conditions for granting

    • You can fully fund eligible expenditure
    • Duration: maximum 18 months
    • No other guarantees needed
    • You can refinance investments already completed with a loan or from your own sources

    Required documents

    • Contract with the Ministry of Energy
    • Data sheet related to the submitted application
    • Invoices for services or equipment
    • The last 2 financial statements concluded together with the related balance sheets and receipts

    Through the PNRR - Photovoltaic Parks programme you can get funding for the installation of a photovoltaic panel system with a minimum capacity of 0.2 MWp.

    You can use the money to buy plant or equipment to build new renewable energy capacity (wind and solar), with or without storage.

    You can take credit for

    • European Union grant funding
    • Long-term investment to finance the plant (with or without batteries for storage)
    • VAT

    Features and benefits

    • Duration: 10 years
    • Grace period: maximum 12 months
    • Currency credit: Lei
    • The guarantee can be the installed and secured system itself, the mortgage on the land on which it is installed or other guarantees offered by guarantee funds or European institutions.
    • Letter of Comfort and co-funding to the NRRP Programme
    • We advise you on the route of your investment

    Required documents

    • Offer of the company installing the system
    • Feasibility study together with PVGIS/PVsyst analysis
    • Building permit and proof of the steps taken to obtain the ATR
    • Invoices for services or equipment
    • The last 2 financial statements concluded together with the related balances and receipts

    What we recommend:

    • To conclude the contract with an experienced contractor
    • Legal Due Diligence for the Land
    • Technical Due Diligence for The Solution Study
    • If you have decided to place the PV park on agricultural land, check with the local Office for Soil and Agrochemical Studies whether your land can be used for this investment
    • Carry out a study of the resistance structure if you intend to place the panels on the buildings in which you operate

    I want the credit

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    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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