Solar financing
Loan/lease vs cash: payment and overpay
Input
Payment/mo
cash flow/mo: -1 561 ₴
5 561 ₴
- Total paid
- 333 667 ₴
- Overpay
- 83 667 ₴
- Savings − payment
- -1 561 ₴
Annuity: payment = P×r×(1+r)^n/((1+r)^n−1). If electricity savings > payment — the system pays for itself. Compare with banks' green programs (5–9% vs 18–25%) — the difference is dramatic.