₱500,000 covers roughly a 6.7 to 11.1 kW grid-tied system at 2026 Philippine installer pricing. Here is what that loan actually costs per month, and how the number changes depending on which lender you use.
On GSIS’s confirmed Ginhawa Solar Energy Loan terms (5% add-on interest, 5-year term), a ₱500,000 loan costs ₱10,417 a month, with ₱125,000 total interest over the life of the loan. The SSS program has not confirmed its rate or term, so treat any SSS figure for this amount as an estimate until the program opens.
₱500,000 under GSIS terms
GSIS is the only program with confirmed numbers today. At 5% per annum, computed in advance, over a fixed 5-year term:
[hed_loan_table amount=”500000″ rate=”5″ method=”addon” label=”GSIS GSEL loan” terms=”5″]What system size ₱500,000 typically buys
At the 2026 market range of ₱45,000 to ₱75,000 installed per kW, ₱500,000 covers roughly a 6.7 kW to 11.1 kW grid-tied system, before shopping around. See exact sizing at solar system prices by kW, and confirm your own consumption first with the Solar System Size Calculator.
How this compares across lenders
[hed_loan_compare]Questions people actually ask
[hed_faq]Paano makuha ang ₱500,000 na solar loan?Sa ngayon, ang GSIS Ginhawa Solar Energy Loan lang ang bukas para dito, para sa mga government employee. Ang SSS program ay inaasahan pa lamang.
Is ₱500,000 enough for a full home solar system?It typically covers a 6.7 to 11.1 kW grid-tied system, which offsets a meaningful share of a typical household bill but usually not 100% of consumption. Check your own usage against the Meralco bill by kWh pages.
What would this loan cost on the SSS program instead of GSIS?Not confirmed yet. Use the calculator above and try the SSS-reported range (roughly 4 to 7 years, rate not yet set) once official figures are published.[/hed_faq]