GSIS Ginhawa Solar Energy Loan
Government Service Insurance System
5% per annum fixed · no service fee · 3 years free panel insurance · 60 equal monthly instalments (5 years) · Published ceiling: up to ₱500,000.
Solar Financing
Which financing route fits?
Seven routes: government employees, private employees, businesses, cooperatives, farmers, homeowners, and OFW families. This is a fit check. The lender decides. The terms are indicative, and this is not a credit approval.
- About 60 seconds
- Answers stay in this browser
- Not a loan approval
- 1Choose your sector
- 2Answer a few questions
- 3See your result
Who is applying for the solar loan?
Pick the option that best describes you. You can change it at any time.
Questions
Answer as accurately as you can — you can always re-check with our team.
Financing Programs
The published terms in this checker
SOLAREX prepares the quotation and the papers a lender asks for. If a SOLAREX payment schedule is offered, the term and the amount are in that quotation. These cards use the same terms as the checker. Confirm them with the lender.
SSS Salary Loan
Social Security System
8% per annum (10% after a penalty condonation) · 1% service fee · 24 equal monthly amortizations · Published ceiling: up to ₱40,000.
Accredited Bank Salary Loan
BPI · Philippine Business Bank · China Bank · Maybank
Lender-set rate; BPI caps at 28.67% maximum annual contractual rate · 12, 18, 24, 30 or 36 months · Published ceiling: up to ₱1,000,000.
Pag-IBIG Multi-Purpose Loan
Pag-IBIG Fund
1.4583% per month (Circular No. 469) · 12, 24 or 36 months · Published ceiling: up to ₱2,000,000.
Commercial Bank Sustainable Finance
BPI Sustainable Development Finance · Security Bank Sustainable Finance
Bank-set pricing; BSP Circular No. 1227 gives incentives for eligible green projects · 3–15 years depending on facility and tenor · Published ceiling: up to ₱500,000,000.
PhilGuarantee Sustainable Energy Credit Guarantee
Philippine Guarantee Corporation (via accredited banks)
Your bank's pricing · guarantee covers 50–80% of principal · Working capital 1–3 years · project financing up to 15 years · CAPEX up to 10 years · Published ceiling: up to ₱500,000,000.
LANDBANK REAL Energy Plus
Land Bank of the Philippines
Prevailing interest rate at the time of availment · Term loan up to 15 years for CAPEX (3 years grace); equipment acquisition up to 10 years
Solar Lease or Power Purchase Agreement
Third-party investor
You pay for the energy the contract defines. You do not buy the equipment. · 10–25 years
Co-op Member Loan
Your cooperative / CDA-assisted lender
Co-op member rates are usually below commercial bank rates · 12–60 months, set by the co-op
Pooled Co-op Order
SOLAREX with co-op aggregation
Aggregated volume unlocks Tier-1 pricing and shared installer mobilisation · Per co-op pricing, split per member
DA-ACPC ALERT ARBOs
Land Bank, with DA-ACPC, DA, DENR and DAR
5% per annum fixed · maximum 10% pass-on to end-borrowers · Short-term loan line, short-term loan or term loan · Published ceiling: up to ₱15,000,000.
DA-LANDBANK FFEDIS (AGRISENSO PLUS)
Land Bank for the Department of Agriculture
3.0% per annum fixed for small farmers, fishers and ARBs · 5.0% for co-ops and ARBOs · Production and fixed-asset terms set by Land Bank per crop cycle
NIA EGPIP-SOLAR
National Irrigation Administration
Programme-funded shared irrigation infrastructure for irrigators' associations and cooperatives · Programme-built project; no borrower repayment in the usual sense
Home Equity / Green Home Loan
Commercial bank
Secured on the title. The rate is set by the bank. · 5–20 years, set by the bank
Pag-IBIG Housing Loan
Pag-IBIG Fund
4.5% and 5.75% promotional rates fixed for 3 years (3% subsidised for socialised housing) · Up to 30 years · Published ceiling: up to ₱10,000,000.
SOLAREX Instalment Plan
SOLAREX
Any payment schedule, term, and amount are confirmed in the written quotation · Confirmed in the quotation
How It Works
From the checker to a written quotation
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1. Answer the questions
About sixty seconds. Nothing is uploaded. The answers stay in this browser.
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2. See the routes that match
The result lists the published routes for that sector, and the papers they usually ask for.
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3. Send the bill for a quotation
The written quotation is the paper a lender package starts from.
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4. The lender decides
Eligibility, the rate, and any release are confirmed by the lender.
Program terms are indicative and must be confirmed by the lender. This checker is not a credit approval and does not guarantee a loan.
Next Step
Send the bill for a written quotation
The checker shows which published route may fit. The quotation is the next paper. The lender still decides eligibility.