Photovoltaic systems investment through inclusion in mortgages, a comparison and analysis of different mortgages in mortgages in the Netherlands

摘要

PV Systems are easily available for Grid Connection applications, but are hampered by a high up-front investment requirement for the end-user. Providing a clear, affordable finance option - without subsidies - for PV is therefore essential for the end-user market of Grid systems to grow. Including PV in the mortgage of the house is one readily available option. Given the multitude of mortgage types, and the benefit of interest payment returns to the end-user under the Dutch tax system, several mortgages are analysed for their suitability towards inclusion of PV. Three general outcomes show that inclusion of PV in the mortgage is a viable option: the savings mortgage is least costly per month, inclusion of PV in a higher mortgage is relatively cheaper, and high-income groups pay less for a PV system in their mortgage.