Whoever tries to sell a heating system using a technology (the photovoltaic system) that has nothing to do with heating probably has few arguments for the heating system itself. Understandably so, because a COP of 0.92 is clearly much less than 4 or even more, which other modern heating systems achieve today.
So again, the photovoltaic system must (because it is not a heating system) and can (through loans and so on) be calculated completely on its own and you will find that it almost always pays off.
When it comes to heating systems, you can gladly make the comparison: air-to-water heat pump vs direct heating, or air-to-water heat pump + photovoltaic against Vestaxx + photovoltaic. But the photovoltaic only provides the environment there, just like the size and insulation of the house. Unfortunately, the comparison is currently especially difficult because no one can predict the electricity price. With low electricity costs, I even see a chance for direct heating systems.
You can also take a look at the environmental balance. That is, how high the energy expenditure is for the manufacture and installation of the systems compared to the consumption over the lifetime. But I consider the statement that direct heating is cheaper than an air-to-water heat pump and therefore you can invest in other profitable ventures to be of little use.
I know, many will now again demand the annual performance factor=4.
If that is already known, it should be done as well. According to a large database, the average for air-to-water heat pumps in 2021 was 3.73. We are talking about new buildings here, otherwise I am curious how the calculation looks for a direct heating system in an old building. ;)
In addition, there is the efficiency of 70% (Source: TU Berlin - Hermann-Rietschel-Institut) and we end up below 2!
Unfortunately, I could not find that now. Does that apply to a new building?
Aha - some will now say. 3,000 kWh more than with heat pump! I told you!!!
Here you could already start and say 1,000€ more per year at 35ct/kWh. With an additional cost of 25k€, the amortization for an air-to-water heat pump is 25 years. At 60ct/kWh about 14 years. If you take photovoltaic electricity at 8.2ct/kWh it is 100 years. However, it can be said with certainty that in winter, when the heating is active, hardly any electricity comes from the roof. So the direct heating benefits especially little from photovoltaics.
(leaving aside the annual performance factor and that it is not mentioned that this is measured at the heat pump output and distribution losses are ignored).
With windows, I understand that losses go outside. But where do the losses of an air-to-water heat pump go? Into the technical room? They can go there, it is inside the house.
Or better yet the example of a photovoltaic system: What does the generated kWh cost? -> Investment costs : generated energy within a period of 20 years (photovoltaic systems last up to 40 years and longer - but let’s leave that aside). This results in a kWh price from the roof of about 9 - 11 cents.
Really nice that you are such a fan of photovoltaic systems, but it just has nothing to do with heating.