Financing Residential Solar Power融资住宅太阳能发电
By Rick Chapo由里克chapo
Although competition is driving prices down, solar panel systems can require you departing with a chunk of change.虽然竞争是推动价格下跌，太阳能电池板系统，可以要求你离开，与一大块的变化。 Fortunately, the mortgage industry wants to talk to you.所幸的是，按揭业要与您交谈。

Financing Residential Solar Power融资住宅太阳能发电

If you are considering improving your home with a solar panel system or the hot new thin solar roofing systems, you need to learn three little letters – E…E…M.如果您正在考虑提高您的家庭与太阳能电池板系统或炎热的新薄太阳能屋面系统，您需要了解三小信-电子商务e … …米。 EEM stands for energy efficient mortgage. eem主张具能源效益的按揭贷款。 It also stands for avoiding out of pocket costs to improve your home with a solar.它也主张，避免出口袋的成本，以改善您的家庭与一个太阳能。

Energy efficient mortgages came to be because of a nudge from the government to lenders in an effort to promote the use of solar energy as a power source.具能源效益的抵押贷款来是因为一个启示，由政府向放款人在努力推广使用太阳能作为能源来源。 Put another way, the government told lenders to do it and do it now.换句话说，政府告诉放款人这样做和现在就这样做。 So, what exactly is an energy efficient mortgage?因此，究竟是什么一具能源效益的按揭？ Glad you asked.很高兴你问。

An energy efficient mortgage is a loan that allows you to incorporate the cost of your solar improvements into your mortgage loan.一具能源效益的按揭贷款，让您可以把您的成本，太阳能改善到您的按揭贷款。 The improvements can cost up to 15 percent of the total value of your home.可以改善成本高达15 ％的总价值为您的家庭。 The lender will calculate the energy savings for you home because of the new solar system and will add that to the total loan value, letting you borrow more than normal.贷款人将计算节约能源为您回家，因为新的太阳能系统，并会补充说，向总贷款的价值，让你可以借用多于正常。 Put another way, it doesn’t换句话说，这并不



matter how much equity you currently have in your home, the solar financing is added on top of the loan.无论有多少股权您目前已在您的家中，太阳能融资是补充，再加上贷款。 This, of course, lets you get a solar system without much out of pocket expense and you get to recover a good chunk of the cost through an increased mortgage interest deduction.当然，这可让您得到一个太阳能系统，没有什么出袖珍牺牲你会得到恢复一个良好的大块的成本通过提高按揭利息的扣税。 Throw in tax credits, rebates and net metering incentives, and solar is getting mighty cheap if you know how to work the system.扔在税收抵免，退税和净计量的诱因，和太阳能是越来越强大的便宜，如果你知道如何工作的制度。

Energy efficient mortgages have very few restrictions.具能源效益的抵押贷款有极少数的限制。 You can get them for new construction or existing homes.您可以让他们为建设新的或现有的家园。 The can be issued for single family residents, duplexes, condos and so on.该可以发出单一家庭的居民，复式，公寓等。

Frankly, it is a no brainer to go with an energy efficiency mortgage.坦白说，这是一个没有自然而然的去与能源效率的按揭。 Ask your lender for more information on the program so you can find out how to profit from a solar improvement to your home.请问您的贷款人的更多信息，程序，让您可以了解如何将利润从一个太阳能改善您的家庭。
Rick Chapo is with SolarCompanies.com , a directory of solar energy companies.里克chapo是与solarcompanies.com ，目录太阳能公司。 Visit us to read more articles on solar water heating and passive solar home designs访问我们的多阅读文章， 太阳能热水和被动式太阳能首页设计


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