A ₱223,541 solar power system can be financed with a monthly payment as low as ~₱4,133 (GSIS, government workers) or estimated ₱3,500 - ₱4,500 (SSS, private workers - launching September 2026). For most households with a ₱8,000+ monthly bill, the savings from Day 1 exceed the loan payment. Choose Your Solar Financing Path Every Filipino homeowner has a different financial situation. Use this guide to find the right path for you - then click through to the dedicated guide for full details. Rent-to-Own / Lease GoSolar, Solviva, IANsmart. No bank check - but requires checking account + PDCs. Credit Card Installment BDO, BPI, Security Bank, Metrobank. Need Platinum CC with ₱180K+ limit. Bank Loan / Solar Mortgage BPI, BDO, Security Bank. Requires property (TCT) or existing home loan as collateral. Pag-IBIG Home Improvement Loan Active Pag-IBIG members who own property. ₱300K max. Requires TCT as collateral. GSIS Ginhawa Solar Loan Government employees only. Live now. Apply via GSIS Touch app. SSS Energy Sustainability Loan Private employees, self-employed, and OFWs. Requires active MySSS Pension Booster account. OFW Solar Financing Buying solar for your home in the Philippines while abroad. RTO via SPA or Pag-IBIG. Solar for Retired / Pensioners Options for SSS/GSIS pensioners. SSS Pension Loan, RTO with no age limit, or family co-borrowing. Quick Decision Guide Not sure which path fits you? Answer these questions: 1. Are you a government employee (teacher, nurse, civil servant)? → GSIS Ginhawa Solar Loan - 5% fixed rate, live now, no collateral. Best deal in the country. Go straight to the GSIS guide. 2. Are you a private employee, freelancer, or OFW with an SSS Pension Booster account? → SSS Energy Sustainability Loan - Launching September 2026. Up to 7 years to pay. Prepare now: get quotes and check your Booster status via My.SSS. 3. Do you own property (house with TCT title) and earn ₱50,000+/month? → Bank Solar Mortgage - lowest monthly payment, longest term, best for large systems. 4. Do you have a Platinum credit card with ₱180,000+ available limit? → CC 0% Installment - lowest total cost if 36-month term available, instant approval. 5. Are you a Pag-IBIG member with property and need ₱300K or less? → Pag-IBIG Home Improvement Loan - 5.75-6.25% rate, but takes 3-4 months to process. 6. No savings, no CC, no property - but have a checking account? → Rent-to-Own (RTO) - ₱0 downpayment, no bank check, post-dated cheques required. 7. Based abroad and want solar for your home in the Philippines? → OFW Solar Guide - RTO via SPA or Pag-IBIG with consularized authorization. 8. Retired or receiving a pension? → Solar for Retired Guide - SSS Pension loans and RTO programs for seniors up to 85 years old. Pay Monthly, Save Monthly: The Core Math The goal of solar financing is simple: your monthly loan payment should be lower than your monthly electricity savings from Day 1. For a household with an ₱8,000 Meralco bill and a standard on-grid system: The exact numbers depend on which financing option you choose and your system size. Use the calculator on this page to run your specific scenario. All Options Side by Side What to Check Before Signing Any Loan Prepayment penalties. Solar power systems typically pay back their cost in 3 to 4 years. If you want to pay off the loan early once savings kick in, confirm there are no stiff penalties for doing so. Collateral requirements. Some loans require your land title. Others (like credit card installments or RTO) are unsecured. For systems under ₱300,000, try to find an unsecured option first. Who owns the system. With RTO programs, the installer retains ownership until the final payment. With loans (bank, GSIS, SSS, Pag-IBIG, CC), you own the system from Day 1. Net metering application cost. Some installers exclude the interconnection fee from the financed amount, requiring you to pay it separately in cash. Confirm this before signing. (Rate data verified May 2026. GSIS GSEL: gsis.gov.ph. Pag-IBIG HIL: pagibigfund.gov.ph. SSS Energy Loan: September 2026 launch - rate TBA.) Want to compare monthly payments across all these options for your specific system cost? The Solar Loan Calculator shows every PH loan side by side — GSIS, Pag-IBIG, banks, CC 0%, Solviva RTO, and IANsmart. About This Article Written by Mark Gallardo, solar enthusiast and founder of Pinas.Solar — the Philippines' independent solar ROI authority. Mark built the platform to give Filipino homeowners unbiased, data-driven solar analysis backed by ERC -verified utility rates and NASA POWER irradiance data. Ready to Switch? Get free quotes from verified local solar installers in minutes. Solar Loan for Retired Philippines

Solar Lease & Rent-to-Own Philippines 2026 GSIS Solar Loan Philippines 2026 Solar ROI Calculator Calculate Solar Savings in Your City City-specific utility rates, typhoon ratings, and payback periods. Cebu City ₱14.96/kWh Davao City ₱13.09/kWh Iloilo City ₱14.45/kWh Quezon City ₱14.7424/kWh Bacolod City ₱14.28/kWh Calamba ₱13.48/kWh Batangas City ₱12.97/kWh Angeles City ₱11.02/kWh Baguio City ₱12.29/kWh Solar ROI Calculator Pinas.Solar Authority ⚖️ Balanced: Typical household profile. Works great with both On-Grid and Hybrid. Added Appliances Browse Appliances by Category Recommended System Standard Grid-Tie Professional Installation Monthly Savings Inverters (OG / HY) Calculated using 5.2 Sun Hours NASA-sourced for Metro Manila Switch to Conservative Ready for installer quotes? Get Free Solar Quotes Or calculate your solar loan first. Get Free Solar Quotes Choose your property type We'll route you to the right form so the right installer partner can help. Solar Quote Request Pinas.Solar Free Assessment Get Free Solar Quotes Connect with vetted professional solar installers. Free, no obligation. Request Received! We've received your quote request. You'll hear from installers soon. Request Submitted! Your solar quote request has been received. A verified installer will contact you to discuss your solar options. Keep your lines open. What happens next Installer reviews your roof and bill details They contact you via SMS or call to discuss sizing You receive a custom quote with exact equipment & savings Free service. We never sell your data. Business Solar Quote Commercial / SME Assessment Get a Commercial Solar Quote For offices, warehouses, retail, and other business sites. Free assessment via our commercial partner. Confirm contact details Re-type your mobile and email to confirm (filters typos / fake entries). Mobile does not match Email does not match Request Received Our commercial partner will review your details and reach out shortly.