[0] 기초상식
•월전기비 $150불 이상이면 권장하며, 집 팔때 거의값을 못 받는다는 우려가 있음
•Lease(Rentng) or loan(owner)  is dependent on your preferences,: Details
•Southern California Edison 고객들께서 그 설치 과정을 더 쉽게 하면서 비용을 절감할 수 있음.
--태양광 발전 섹션(solar section- Opens in new window)이 SCE 시장(Marketplace) 페이지에 추가되었습니다.
•New Bill: Solar loan에 Tax Credit for Solar Loan:
•Property Tax Exemption: https://www.solar-estimate.org/

[1] Basic concepts of Solar Panel
••Cash Purchase (현금구매): Solar Owner로서, 초기비용이 많음, (TaxBenefit, LocalBenefit. WarantyMayOK)
••Loan(론):  융자로 설치한 Owner가 되며, 추가적인 재정부담과 관리책임이 따른다 (MaxSaving, 론기간설정).
••Lease(임대): Company가 매월(연3%씩) 비용청구 (Simple & Low-으Maintenaance, But 재정부담약간)
••PPA (Power Purchase Agreement): 전력생산만큼 요금계산하는 방식(관리무료,PotentialMoreSaving가능)

[2] Details of Solar Loan vs Solar Lease/PPAs
♦If you sign a solar lease or PPA, you are “renting” the solar panel system from the solar company that owns it (관리무료). If you install solar panels with a solar loan, you are the system owner, which comes with additional financial benefits and responsibilities. The question of whether you want to take out a loan or lease your solar panels is dependent on your preferences, needs, and financial goals.
-Solar leases and solar PPAs are Solar financing options for a simple, low-maintenance solar energy system: Many solar installers advertise solar leases or power purchase agreements (solar PPAs) as an easy way to reduce your electricity bill. If you are interested in a simple, low-maintenance option for installing a solar energy system on your home, leasing solar panels is a good option for you.
-Solar Loan is A financing option to maximize your solar savings: Cash purchases and solar leases (or PPAs) are no longer the only options for property owners who want to go solar. For solar shoppers who lack the capital for a cash purchase but want to maximize the financial benefits of their solar energy system, the solar loan offers the perfect solution.
♦Solar Loans the terms can vary from 5 to 20 years. Solar Leases/PPAs are generally offered for a 20- or 25-year term. The monthly payments for most solar leases and PPAs increase at a predetermined rate of 1 to 3 percent annually, while solar loans typically have fixed monthly payments.
♦Buying the system: You can buy the solar panel system at any time during the lease term at the price defined in your contract or its fair market value, whichever is higher.
♦Selling your home: If you sell your property, you can transfer the remainder of your lease to the homebuyer or buy the system from your leasing company yourself and include it in the sale of your property.
♦At the end of the term: When your agreement ends, you can either buy the system outright, have the leasing company remove it, or leave the system in place and renew the agreement with the owner.

[3] Some Questions
♦설비, 월 부담 적은 구입이냐, 초기비용 적은 임대냐? (2012)
•태양에너지 설비는 구입과 임대하는 방법이 있다. 구입은 초기 비용이 많이 들어가는 단점이 있지만 이후에는 비용이 들지 않기 때문에 월 지출을 줄일 수 있다.
•최근에는 리스 프로그램이 다양해지고 혜택도 커지면서 임대를 선호하는 추세다. 임대의 장점은 초기 비용이 구입보다 훨씬 적게 든다는 것이다. 1~2년 전만 해도 다운페이 부담이 반 가량으로 컸으나 최근에는 그 부담이 크게 줄었다.
•주류 설치 업체들은 홈디포 로우스 같은 주택 수리 전문 유통체인과 연계해 설치비 무료 또는 할인에서 나아가 다운페이는 물론 월 임대료를 내지 않아도 설비를 무료로 설치해주는 프로그램을 선보이고 있다. 설치 업체가 주택 또는 건물에 설치된 설비와 함께 설비를 통해 생산된 전기를 소유하면서 소비자와 장기 계약하고 전기를 파는 것이다. 소비자는 월 임대료 대신 기존보다 저렴한 전기요금을 내면 된다.
•리스의 장점은 패널이나 계량기가 고장났을 때 설치 업체가 알아서 수리해준다는 것이다. 알렉스 김씨에 따르면 1년에 한번씩 먼지 모래 등이 껴 더러워진 패널을 청소해주고 태양광 시스템을 점검 관리해준다. 또 설치 후 1~2년 후 발전 시스템을 디지털로 업그레이드하는 서비스와 1년 전 고장난 계량기 수리를 무료로 받았다.
♦Is it better to buy or lease solar?
People who lease their solar systems save far less than those who buy them outright or with a loan (they also miss out on federal tax benefits and any local incentives). Many leases contain an escalator clause that can further reduce savings by increasing payments 3 percent per year.
♦Is solar lease a good idea?
Leasing a solar electric system for your home is not a good idea from a financial perspective. We simply do not recommend it. In most cases, you'll save much more money in the long run by exploring other financing options like an FHA Title 1 loan or a traditional loan from your personal bank.
♦What does leased solar mean?
Solar Lease: A contract with a solar company to have a solar energy system installed on your roof with little to no upfront costs. With this contract, you will “rent” a solar system in exchange for the benefits (i.e. the electricity) the system produces.
♦Is a solar PPA worth it?
However, a solar PPA has the potential to save you more money over the entirety of your contract because your monthly payments are directly related to how much energy the solar panels produce.
♦Is a Solar lease or Solar PPA right for me?:
https://www.solarreviews.com/blog/pros-and-cons-of-leasing-solar-buying-ppa-agreements
•It is important that you consider all of the solar financing options available and get multiple solar quotes from different installers. Purchasing a solar energy system outright or taking out a solar loan will give you the best savings in the long term, and you can take advantage of solar incentives and rebates.
•You should really only consider a solar lease or solar PPA if you don’t have the cash to purchase solar or you don’t qualify for a solar loan. If this is the case, then solar leases and solar PPAs could be the best way for you to go solar.
♦Uncertainty with selling your home
•If you want to sell your home, solar leases and PPAs can be passed onto the home’s next owner. However, this can sometimes make it harder to sell your home.
•In the case that new homeowners don’t want to continue with the solar lease or PPA, you might have to pay a break fee to end the contract.

[4] Solar Loan Details
♦Secured and unsecured Solar loan
•The EnergySage Solar Marketplace helps you find and evaluate your solar loan options, as well as high quality pre-screened solar installers.
•Solar energy loans can be divided into two categories. Secured loans require an asset that will serve as collateral for the loan – in most cases, that asset will be your home. Unsecured loans do not require any collateral other than the solar panel system itself. Both loan categories have implications for the borrower.
♦Solar Maintenance with a Loan:
https://theswitchtosolar.com/2020/03/18/solar-maintenance-with-a-loan/

[5] Process of the installation
•과정=상담 시작에서 패널 설치 완료까지는 빠르면 1개월에서 6개월 가량이 걸린다.
•김씨의 경우 태양광 패널 설치에 필요한 계량기 및 차단기를 추가 설치해야 하는데 기존의 낡은 차단기를 교체할 것을 권하면서 설치 완료까지 6개월이 걸렸다. 차단기 교체에 2000달러 가량을 청구했기 때문이다.
•김씨는 비용을 줄이기 위해 이웃 중 은퇴한 전기 엔지니어에게 부탁해 150달러에 해결했다(만약 김씨가 계량기차단기 교체 및 설치를 업체에 맡겼다면 2000달러가 추가로 든다. 즉 설치 초기 비용이 1만2000달러가 되는 셈이다).
•교체한 차단기가 태양광 패널 설치에 맞는지 확인해야 하는데 이 과정에서 2~3개월이 걸려 전체 설치 기간이 길어졌다.

[6] Selection of the company
•한인 전문 솔라(SOLAR, 태양광)회사 엘리원 에너지:  (주 7일 무료상담 888-970-1007)
--Level2 EV Charger 무료설치 (전기차 충전기)
•See the top solar loan providers in your state
•Best Companies: https://www.solar-estimate.org/