With 0% upfront options available, you no longer need cash to go solar. Let's compare the financial instruments available to Malaysians.
1. Cash Purchase
- Pros: Highest long-term savings. No interest.
- Cons: Opportunity cost of capital.
- ROI: ~20% per annum.
2. Solar Green Loans (Bank Financing)
Banks like Maybank, CIMB, and Hong Leong offer specific 'Green Tech' financing rates.
- Rate: ~3.5% - 4.2% p.a. (flat rate equivalent)
- Tenure: Up to 10 years
- Verdict: If the monthly installment is lower than your electricity savings, you are cash-flow positive from Day 1. This is the most popular option for 2026.
3. PPA (Power Purchase Agreement)
Typically for commercial only. A third party installs the system for free, and you buy the cheaper electricity from them. Zero risk, but lower total savings.
Explore each option in detail: solar bank loan financing compares rates across Maybank, CIMB, and Hong Leong, while our PPA option suits businesses that prefer zero capital outlay. Visit the full financing hub to model your total cost of ownership across all three scenarios.