Build your solar plan — no payment until you approve
Configure solarFrom bank green loans starting at 3.5% p.a. (Maybank, CIMB, RHB, Public Bank, BSN) to PPA with zero capex and BNPL plans — discover every financing route for solar panels in Malaysia and calculate your exact monthly payment.
There is no single best solar financing option — the right choice depends on your property type, credit standing, tax position, and cash flow. Here is an overview of every legitimate route available in Malaysia.
3.5–5.5% p.a., up to 10 years, RM0 downpayment
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0% for 3–12 months via Atome, GrabPay, or installer plans
RM0 capex, pay only for electricity generated at discounted rate
Fixed monthly rental, 10–15 year term, maintenance included
Highest ROI, fastest payback (5–7 yr), no monthly commitment
All major Malaysian banks now offer dedicated green financing products for solar panels. These are personal or home improvement loans — not home loans — so no property valuation is required. Processing takes 5–10 business days.
| Bank | Product | Rate (p.a.) | Max Tenure | Max Amount | Type |
|---|---|---|---|---|---|
| Maybank | GreenHome-i | 3.5% | 10 years | RM150,000 | Islamic |
| RHB | RHB Green Home Financing | 3.5% | 10 years | RM150,000 | Conventional |
| Public Bank | Green Home Loan | 3.6% | 10 years | RM100,000 | Conventional |
| CIMB | CIMB Green Home Financing-i | 3.88% | 10 years | RM200,000 | Islamic |
| BSN | Pinjaman Hijau Rumahku | ~4.0% | 7 years | RM50,000 | Conventional |
| Bank Islam | Green Home Financing-i | 4.2% | 10 years | RM100,000 | Islamic |
Rates shown are indicative as of March 2026. Actual rate depends on your credit score, income, and DSR. All listed products require RM0 down payment.
View full bank-by-bank solar loan comparison →Enter your system cost, choose a financing option, and instantly see your monthly payment, total cost, and estimated payback against TNB savings.
Assumes RM0.50/kWh average TNB rate, 4.5 peak sun hours/day, 80% self-consumption. Illustrative only.
Three very different approaches — each with distinct risk, ownership, and savings profiles. Choose based on your priority: lowest upfront, highest savings, or simplest arrangement.
| PPA | Solar Lease | Cash Purchase | |
|---|---|---|---|
| Upfront Cost | RM0 | RM0 | Full system cost |
| Monthly Commitment | Pay per kWh generated | Fixed monthly rental | None after payback |
| System Ownership | Solar company | Solar company | You — from day 1 |
| Maintenance | Provider's responsibility | Usually included | Buyer's responsibility |
| Savings vs TNB | 20–30% discount on generated kWh | Keep NEM credits; pay fixed rental | 100% savings on self-consumed kWh + NEM |
| Contract Term | 15–25 years | 10–15 years | N/A — you own it |
| End of Contract | Buy out, renew, or remove | Buy out or return | Own system — keep operating |
| Best For | Factories, offices, no capex budget | Homeowners wanting predictable costs | Maximum ROI, long-term thinking |
Not all 'zero down' claims are equal. Here is an honest breakdown of what you actually pay before installation begins.
Prepare these documents before applying for any solar financing. Having them ready speeds up approval by 3–5 business days.
Our advisors will analyse your income, DSR, and electricity bill to recommend the optimal financing structure — and handle all paperwork with the bank on your behalf.