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Hãy viết đoạn tóm tắt về nội dung bằng tiếng việt kích thích người mua: Solar Leasing: Is the Low Upfront Cost Worth Losing Incentives?

The primary means of installing solar panels on your home are paying the whole cost with cash or through financing, but interest rates are rising and you may face sticker shock if you take out a loan. The Federal Reserve within the past year rapidly increased its interest rate to about 5% — the highest it’s been since September 2007. The high rates on loans may end up stymieing the solar industry overall, according to the Solar Energy Industries Association.

“While residential solar will continue its upward trajectory, it is not expected to achieve the same level of growth as it has for the last few years,” the SEIA wrote in its Solar Market Insight Report for the second quarter of 2023. “The residential solar industry grew over 28% on average over the last three years thanks to a thriving solar loan industry that depended on low-interest rates. As those interest rates have risen, business has slowed significantly.”

While higher rates may hurt the solar loan industry in the near term, homeowners might increasingly flock to the other means they can utilize to go solar: solar leases and power purchase agreements. 

Below, we’ll explain how solar leasing works as well as its advantages and drawbacks (for more information on PPAs, check out this guide).

Read more: Best Solar Companies of 2023

How solar leasing works

Think of a solar lease like that of a vehicle: with both, you pay a fixed monthly fee to have access to the panels or the vehicle. Where solar leases differ are that they typically don’t have any upfront costs and the term of the lease can last anywhere from 15 to 25 years.

“The customer receives benefits from the solar array in the form of savings on their electricity bill because the on-site solar production is reducing the amount of electricity they buy from their local utility,” said Corey Ramsden, vice president of Go Solar Programs at the nonprofit Solar United Neighbors. “A lease may include an option for the homeowner to purchase the system outright later in the contract term.”

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“In this model, the company that owns the solar array will retain the federal tax credit and any other available local incentives and share some of that related savings with the customer,” Ramsden said.

Which is better: Buying or leasing solar panels?

It could be, but there are a lot of factors to consider. Most importantly is the cost you’re currently paying for electricity as well as how much the monthly cost of a lease may be. If a leased system can shave a significant amount off your energy bills — more than the cost of the lease itself at least — a solar lease can be a good deal. And, hey, you’re helping the planet too!

What is a power purchase agreement?

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