Actually, it depends on your Tnb usage. From there you can calculate and see if you feel it’s worth it or not.
Let me give u an example.
You have 25k cash in hand. Ur bill consistently rm350
You don’t need to pay 25k cash to solar installer.
You just need to get a card with credit limit 25k. And swipe it on epp max 60 months. And that will be 416.66 per month at zero interes repayment.
So right now, u still have ur cash with you which u can invest whereeger u want.
And your new bill for Tnb could be rm3.
So u effectively just pay for solar and already paying the minimal amount to Tnb.
So u are utilizing ur credit limit to work for you. And after 5 years the system is yours and still helping u save rm350.
Even if u don’t have credit card and u decide to use the cash, 25k.
Every month, ur 25k system will help u save rm350 ringgit , and one year is about 4200
If I put 25k in bank, I will only have 1250 per annum at 5 percent. And that interest is not enough to cover 4200 bill thst I have to py Tnb anyway.
Or u can be like my boss, borrow loan from bank since they are now pushing for the ESG thing.
According to him (can't rmbr the exact amount he told me), says his monthly bill can go around 600. With loan, the installment is about 500. Tnb bill after the solar panel is now 50. So still got 50 in return compare to before solar panel.
But he didn't mention about the maintenance part la.