Photovoltaic system – is it worth it?

The problem is, not everyone has an unlimited credit line.

Why is that a problem!? A battery is not even being promoted here as economical... It is better to invest the extra money in a larger photovoltaic system...

Or alternatively into additional insulation, better windows, etc. etc. Reducing energy consumption, in my opinion, brings more benefits in older buildings than worrying about energy production.

The loan can even be obtained from KFW. You can also lease your roof or rent the system. If you are already financing a house construction, you can also include the 10,000€.

The loan can even be obtained from the KfW. You can also lease your roof or rent the system. If you are already financing a house construction, you can also include the 10,000€ in the loan.

The problem is that the last euros are always the most expensive.
Firstly, because they are paid off over the longest period and as you get closer to 100% financing, the interest rates also increase massively. You can quickly end up above 5%!
As far as I know, even the KfW only grants loans based on risk assessment, which can then go up to 8%.

At that point, photovoltaics definitely no longer make sense.

If you make up such numbers, that is probably true. But it has nothing to do with reality.

If you make up such numbers, that might be true. But it has nothing to do with reality.

I had specifically checked the numbers beforehand on the KfW website.
Unfortunately, you are not allowed to post the link here...

Currently 1% only for 5 years.
For 20 years, you are already paying at least 2.07%, and that is in risk class A!
And you are definitely not in A if you have already fully utilized your credit limit.

In risk class I, it’s then 8.72% for 20 years.

As always, those who have money also get some.

You can also read well about how expensive the last euros often are on Stiftung Warentest.
They also write that an increase from 1.5 to 1.7 for a few euros may not seem like much, but can correspond to a real increase of 10% for the last euros!