| Implementing Sector: | State |
| Category: | Financial Incentive |
| State: | Louisiana |
| Incentive Type: | Loan Program |
| Web Site: | http://dnr.louisiana.gov/index.cfm?md=pagebuilder&tmp=home&pid=40&pnid=103&nid=105 |
| Administrator: | Louisiana Department of Natural Resources |
| Eligible Renewable/Other Technologies: | Solar Water Heat, Solar Space Heat, Solar Photovoltaics, Geothermal Heat Pumps |
| Eligible Efficiency Technologies: | Clothes Washers, Dishwasher, Refrigerators/Freezers, Lighting, Chillers, Furnaces, Boilers, Heat pumps, Air conditioners, Programmable Thermostats, Building Insulation, Windows, Custom/Others pending approval |
| Maximum Loan: | $6,000 from LA DNR |
| Loan Term: | 5-year maximum term |
| Interest Rate: | 2% |
| Technologies: | Solar Water Heat, Solar Space Heat, Solar Photovoltaics, Geothermal Heat Pumps |
| Sectors: | Residential |
| Parameters: | The incentive has a maximum of $6000.00, The incentive has a maximum of 5.00 Years |
Loan Option Through the HELP program, a homeowner can obtain a five year loan to improve the energy efficiency of their existing home. “HELP loans function as standard unsecured underwritten residential loans. The lender makes and services HELP energy efficiency improvement loans of up to a maximum of $12,000.00 to participants who go through the normal underwriting process. Qualifying loan improvement measures are provided on a "Prescriptive List of Improvements", found below, from which the borrower selects approved items. The LDNR loans one half (½) of the loan amount, through the lender to the borrower, for up to a maximum of $6,000.00 at 2% interest, regardless of what the lenders market interest rate may be at the time of the loan. This blended rate (½ the loaned amount @ 2% plus ½ the loaned amount @ market rate) provides a lower overall interest rate than what the borrower could obtain in the market as an incentive for implementing energy efficiency improvement measures.” DNR's maximum participation for half of the loan amount is $6,000.
Homeowners must utilize a lending institution participating in the program. The number of lenders participating is limited. Each participating lender sets its own maximum loan amount, along with the interest rate that is charged to the homeowner. Each participating lender also services the loan for DNR.
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A solar PV system is custom-designed for your home. Final solar system price may vary based on your location, monthly utility bill, government incentives and rebates, the condition of your home, and local installation prices. Solar PV system output and estimated savings are calculated based on several factors including product type, system production, geography, weather, shade, electricity use, full utilization of the 30% solar investment tax credit, and utility rate structures and rate increases. Savings on your total electricity costs are not guaranteed. Financing options and terms vary by location, and may not be available in all areas. Solar QC is neither the lender nor the project installer. Solar QC License# 1130591
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