Solar Financing & Leasing Options

Know who owns the system

Under a loan or lease, the lender or leasing company can hold the asset until it's paid off — even though it's sitting on your roof and tied to your electricity connection. Get in writing who's named as the system owner on the net-metering application itself, since DISCOs generally register the agreement against the account holder, not the financier.

Compare total cost of ownership, not just the monthly payment — insurance, early-repayment penalties, and what happens to the loan or lease if you sell the property before it's paid off.

Common routes used in Pakistan

The usual options are a commercial bank loan (some banks run green-financing windows with preferential terms at various points — check current offers directly, since these schemes change), an installer's own instalment plan, or a straight cash purchase. Leasing shows up more often on larger commercial installs than on small residential ones.

Whichever route you pick, ask for the effective annual cost — markup, processing fees, any bundled insurance — rather than comparing bare monthly instalments. That's the only way to weigh it fairly against a cash-purchase payback estimate.

What to check before signing

Confirm the manufacturer and installer warranties survive a change in financing arrangement, get the full repayment schedule in writing, and ask whether the financier's name on any DISCO paperwork could complicate a future net-metering transfer if you sell the house.