ERS Energy Residential Financing & Incentives

Make Solar Affordable: Multiple Paths to Ownership

Residential solar can be paid for outright, or spread over up to 60 months at 0% interest through selected banks’ credit card instalment plans, and Solar ATAP credits the energy you export against your TNB bill. Either way, the system is designed to pay for itself over its 25-year life.

0%
Down Payment Options
3–6 Yrs
Typical Payback
70–100%
Bill Reduction
25 Yrs
System Lifespan

Payback and savings figures are estimates for reference only, not a quotation or offer. Actual results depend on the site survey, tariff and usage.

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Incentives & Financing

Programmes That Make Solar Affordable

Malaysia’s policy environment is among the most supportive in Southeast Asia for residential solar. A combination of the Solar ATAP programme, 0% bank instalment plans up to 60 months, and individual tax reliefs makes solar accessible with no upfront cost; for a typical RM 400/month bill, the calculator below estimates a payback of about 3 to 4 years (an estimate for reference only).

NEW Launched January 2026
wb_sunny
Government Programme

Solar ATAP (2026)

Launched 1 January 2026 by PETRA. Exported solar energy is credited at the TNB energy charge (monthly credit capped at the energy you import) under an ATAP contract of up to 10 years.

1:1
Energy Charge credit
10 yrs
Contract period
5 / 15 kWac
Single- / three-phase limit
Grid checks
Subject to network capacity

Administered by PETRA and SEDA. Tariff rates, eligibility and programme terms are set by the government and may be revised. Always verify the latest guidelines on the official SEDA portal.

credit_card
Bank Financing

0% Credit Card Instalment

Major Malaysian banks (Maybank, CIMB, RHB, Public Bank and AmBank) offer 0% credit card instalment plans for residential solar. Spread the full system cost across 5 years with zero interest and no hidden fees.

0%
Interest rate
60 mo
Max tenure
5 banks
Partners
Instant
Approval

Participating banks, eligible cards and promotional tenures are set by each issuing bank and change over time. Always verify the current offer directly with your card issuer.

receipt_long
Tax Relief

Green Technology Relief

Individual income tax relief of up to RM 2,500 per year of assessment for green technology equipment, including solar, EV charging facilities and food waste composting machines. Check LHDN for the relief available in the current year of assessment.

RM 2,500
Per year
Check LHDN
Current-year rules
Solar + EV
Eligible
Individual
Tax relief

Subject to prevailing LHDN tax legislation. Eligibility and relief amounts may change. Consult a licensed tax adviser for your specific situation. Policy information as of September 2026.

Financing Options

Choose Your Path to Solar Ownership

Two clear ways to own your solar system: pay upfront for the best long-term ROI, or spread the cost over up to 60 months at 0% interest through a credit card instalment. Either way, you own the system outright and keep every ringgit of solar savings for the remaining years of its life after it pays itself back.

payments

Cash Purchase

The best long-term ROI. You pay for the system upfront, own it outright, save from month one, and for a typical RM 400/month bill the calculator estimates a payback of about 3 to 4 years. After that, it’s free electricity for 17+ more years. Pricing is quoted after a site survey.

  • check_circle Best long-term ROI
  • check_circle No monthly payments
  • check_circle Full ownership from day 1
  • check_circle Eligible for all incentives
Typical outcome
3 to 4 yrs
Payback
RM 68k–95k
25-year net savings (RM 400 bill)
credit_card

0% Credit Card Instalment

Spread the full system cost across up to 60 months at 0% interest through major Malaysian bank credit card instalment plans. No separate loan application, no hidden fees. Just divide the system cost by the number of months and pay monthly from an existing credit card. The real payoff compounds once the instalment ends and you keep every ringgit of solar savings for the remaining years of panel life.

  • check_circle 0% interest for the full tenure
  • check_circle Up to 60-month repayment period
  • check_circle Uses existing credit limit
  • check_circle Full ownership from day 1
0% Instalment Available Through
CIMB Bank
Maybank
RHB Bank
Public Bank
AmBank
Typical outcome
0%
Interest on instalment
Up to 60
Monthly instalments

Figures on the cards above are illustrative estimates from the calculator on this page for a RM 400/month bill; they are not a quotation. Actual instalment tenures, eligibility, and savings vary by bank, card issuer, and individual consumption pattern. TNB Domestic tariff (effective 1 July 2025): energy 27.03 sen/kWh up to 1,500 kWh/month and 37.03 sen/kWh above 1,500 kWh, capacity 4.55 sen/kWh, network 12.85 sen/kWh, KWTBB (1.6%), and an RM 10 retail charge and 8% service tax on usage above 600 kWh. Under Solar ATAP, exports are credited at the TNB energy charge, with the monthly credit capped at the energy you import (excess forfeited); the residential size limit is 5 kWac single-phase / 15 kWac three-phase (larger systems need a TNB connection check). Energy Efficiency Incentive rebates apply to lower-usage households. Contact us for a personalised quote.

Solar ROI

How much will your roof save?

Move the slider to your average monthly TNB bill and see a rough estimate of system size, payback, and 25-year net savings. Calculations use the post-July 2025 TNB Domestic tariff structure and a typical rooftop yield of about 1,250 kWh per kWp per year.

Residential Solar ROI Calculator
Interactive Calculator
01
Step One

Tell us about your bill.

Move the slider to your average monthly TNB bill. The numbers below update as you slide.

RM 400
RM 100RM 2,000
Electricity supply
02
Step Two

Your preliminary numbers.

Live estimate updated as you move the slider. System size, investment, payback, and the full 25-year savings figure.

5.8 kWp
Recommended system
Quoted after a site survey
Investment (quoted after site survey)
RM 3,492/yr
Annual savings
3.3–4.2 years
Payback period
25-year estimated net savings
RM 67,757–70,657

Illustrative estimate only, based on the stated assumptions and current published tariffs/incentives. Not a quotation or financial, tax or investment advice. Actual results depend on a site survey.

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03
Step Three

How others use this.

Two short walkthroughs from homeowners who used this exact slider to make their call.

Scenario 01

“I’m thinking about solar. Is my roof actually worth it?”

A double-storey link house in PJ with an average RM 450 monthly TNB bill. Slide to 450. On a single-phase supply the system size lands at about 5.8 kWp (the Solar ATAP size limit), with a payback of roughly 3.5–4.3 years; a three-phase supply allows about 9.3 kWp. Enough to commit to a site survey.

5.8 kWp (single-phase) · 3.5–4.3 yr payback · RM 64,083–66,983 net over 25 years · Three-phase: 9.3 kWp, 3.5–4.4 yr, RM 100,045–104,685

Scenario 02

“I might sell in 5 years. Will it pay back before then?”

Slide to your bill, then check the payback range. If the figure is under your selling horizon, you break even on operating savings alone. If payback exceeds your horizon, note that a resale premium for solar-ready homes is possible but not guaranteed.

Tip: compare the payback range with how long you plan to stay in the home

Customer Story

Real Savings, Real Families

The Tan family home with rooftop solar panels
Customer Story

How the Tan Family Turned a RM 16,000–20,000 Outlay into 25 Years of Solar Savings

The Tans were paying about RM 650/month to TNB for their semi-detached home in Subang Jaya, Selangor, with roughly 1,300 kWh of monthly usage.

In early 2026, they installed an 8 kWp system (14 panels, JA Solar modules with a Sungrow inverter) for about RM 16,000–20,000, financed through a 60-month 0% credit card instalment at about RM 270–340/month.

Self-consumption plus Solar ATAP Energy Charge credits cut their TNB bill to around RM 310/month. During the 5-year instalment, their combined monthly outgoing (TNB bill plus instalment) sits at about RM 580–650.

From year 6 onwards, the instalment ends and they keep the full RM 340/month saving for the remaining 20 years of panel life, totalling more than RM 75,000 in net savings over the system’s 25-year performance warranty.

RM 75k+
25-year net savings
8 kWp
14 panels
~52%
Bill cut after payoff

Illustrative example computed with the ERS calculator (RM 650/month bill, 14 panels, three-phase supply); the system cost is shown as a range. Estimates for reference only, not a quotation or offer; actual results depend on the site survey, tariff and usage.

FAQs

Common Financing Questions

Answers to the questions homeowners ask most about paying for solar.

How much does a typical residential solar system cost? expand_more

Installed cost depends on system size, roof, single- or three-phase supply, equipment and any battery, so ERS Energy quotes after a site survey rather than publishing a per-kWp price. Financing options allow you to start with RM 0 down.

Will my monthly instalment be more than my electricity savings? expand_more

During a 0% instalment period, the monthly payment can be higher than your monthly bill savings, depending on the system price and your bill. Once the instalment ends, the full monthly saving accrues for the remaining years of the system’s life. In the calculator above, a RM 400/month bill gives a payback of about 3.3–4.3 years and 25-year net savings (after system cost) of RM 67,757–94,850, depending on single- or three-phase supply. Cash purchase delivers the fastest payback. These figures are estimates for reference only, not a quotation or offer.

What happens to my solar system if I sell my house? expand_more

Solar systems transfer with the property and may add to its market value, provided the system is fully owned (cash purchase or completed 0% instalment). A resale premium is possible but not guaranteed.

Do I need to apply for Solar ATAP separately from the financing? expand_more

No. ERS Energy manages the full Solar ATAP application with SEDA and TNB on your behalf as part of the standard installation process, regardless of payment method.

Can I claim the tax relief if I finance through a loan? expand_more

Yes. The green technology equipment tax relief (up to RM 2,500/year; check LHDN for the current year of assessment) applies regardless of payment method and is claimed in the year of assessment when the expenditure is incurred. Qualifying categories are defined by LHDN; please consult a licensed tax adviser to confirm eligibility for your installation.

What maintenance does a solar system require? expand_more

Minimal. A surface clean 2–4 times per year is usually sufficient, with more frequent cleaning during haze season. Panels carry 25–30-year performance warranties, inverters 5–15 years, and there are no moving parts to wear out. Optional annual maintenance packages cover inspection, cleaning, inverter health checks, and real-time performance monitoring.

What warranties and guarantees come with the system? expand_more

Panels carry 25–30-year manufacturer performance warranties (at least 80–84% rated output at year 25). Inverters carry 5–15-year manufacturer warranties depending on brand. Mounting, wiring, and installation quality are covered under ERS Energy’s own workmanship warranty. All components meet IEC 61215 and IEC 61730 standards, and ERS Energy holds ISO 9001, ISO 14001, and ISO 45001 certifications.

How long does the whole process take from enquiry to switch-on? expand_more

Typically 8–12 weeks from enquiry to energisation: site assessment and proposal (1–2 weeks), financing approval if applicable (1–2 weeks), SEDA and TNB application (4–6 weeks), physical installation (2–3 days), and TNB meter commissioning (1–2 weeks). ERS Energy manages the entire process end to end.

Get Your Free Solar Assessment

Our residential consultants will review your TNB bills, assess your roof, and provide a customised savings report with financing options from our banking partners — at no cost, no obligation.

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