Financing heat pump
Financing or buying a heat pump?
Heat pump financing
Heat pump financing
Everyone can afford a heat pump
By opting for a heat pump, you will reduce your CO2 emissions, break your reliance on oil prices and benefit from lower heating bills.
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Heat pump financing: cheaper than a private loan and simpler than a mortgage. |
In addition to selling you a heat pump, Helion can also finance it for you. We offer attractive financing solutions through our exclusive partnership with Migros Bank. All building technology solutions such as solar panels, energy storage systems, heat pumps and charging stations for electric vehicles can be financed at an interest rate of 2.9 % over 1 to 15 years.
Migros Bank is one of Switzerland’s leading banks and conducts the credit checks for customers. The bank is widely trusted among the population of Switzerland, making it the ideal partner for realising the energy transition in collaboration with Helion.
How heat pump financing works
Before seeking financing for a heat pump, first you need to decide on the right heating system for your house. Find out what you need to consider when choosing a heat pump.
The monthly lease payments will be calculated on the basis of the heat pump system, the price and chosen term. As when purchasing a heat pump, the financial incentives provided from the various authorities will also be considered when financing a heat pump. But what is the best thing about heat pump financing? At the end of the term, you can take over ownership of the heating system free of charge and enjoy cost-efficient heating for many years to come.
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The heat pump will also belong to you during the term of the financing. |
Benefits of heat pump financing
- Low-maintenance, environmentally friendly heating, without investment costs
- Financial security thanks to fixed, monthly rates
- Fixed rates make budgeting easy
- You can still benefit from government financial incentives when buying on finance
- All the benefits of a heat pump without the financial risk
Get a non-binding proposal now!
Use our calculator to configure the appropriate heat pump in minutes and receive a concrete proposal immediately:
Should you buy a heat pump upfront or on finance?
The question of whether it is better to buy a heat pump upfront or to buy it on finance often crops up. There is no one-size-fits-all solution for this. It is a decision that depends on various factors such as your budget and living situation.
We have made a list of the advantages and disadvantages of each option to help you decide whether to buy a heat pump upfront or on finance:
Advantages
| Buying a heat pump on finance | Buying a heat pump upfront |
|---|---|
| No purchasing costs | Now is the perfect time to buy (the financial incentives will be lower in the future) |
| Fixed monthly rates allow for long-term planning | Purchase cost is tax deductible |
| The heat pump will belong to you | Wärmepumpe ist Ihr Eigentum |
| Take over possession of the heat pump free of charge at end of contract | Lower overall cost |
| Schuldzinsen ermöglichen Steuerabzug |
Disadvantages
| Buying a heat pump on finance | Buying a heat pump upfront |
|---|---|
| Contractually binding | Investment cost |
| Higher total cost | Use of capital |
Financing versus a bank loan
No doubt you are asking yourself whether you would not be better off just getting a bank loan and using it to buy the heat pump upfront. Wouldn’t that be cheaper than buying the heat pump on finance?
It is important to remember that, depending on the bank, interest rates for a loan can be up to 7 %. For the relatively small amount of CHF 30,000, the interest would already add up to CHF 2,100. A bank loan would therefore result in a lot of additional costs which can be spared if you buy your solar panels on finance.
Why is buying a heat pump on finance worth it?
Buying a heat pump on finance is worth it because you do not have any initial investment costs. Instead, you will simply pay a monthly rate.
Thanks to our financing offer, even people who do not have a sufficient budget can benefit from an environmentally friendly heat pump. Even if you do have sufficient cash funds, it is still worth buying a heat pump on finance, as it means you can invest your money elsewhere.
Example calculation: Buying an outdoor heat pump upfront versus buying it on finance*
| Buying upfront | Financing over 5 years | |
|---|---|---|
| One-off payment | CHF 28'580. - | CHF 0.- |
| Contributions/month* | CHF 0.- | CHF 512.- /month* |
| Gesamt | CHF 28’580.- | CHF 30’708.- |
Example calculation: Buying an outdoor heat pump upfront versus buying it on finance*
Over a period of five years, an upfront purchase does work out cheaper than buying the heat pump on finance. However, buying a heat pump on finance is the perfect alternative if you do not have the money required upfront.