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Pago HES
Plano (MICRO)
Préstamo

Capital para empoderar a los propietarios de viviendas

Ahorra energía y dinero mejorando la eficiencia energética de tu hogar con financiación desde el 0%

Maintenance Man
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The HES Payment Plan Loan provides low-cost financing for energy efficiency improvements. The objective is to reduce household costs while maintaining healthy, efficient, and comfortable homes. Save energy and money by improving your home's energy efficiency with 0% financing.

We can help you finance these improvements with low-interest loans made possible through sponsorship by the Connecticut Energy Efficiency Fund in partnership with Eversource, the United Illuminating Company (UI), Southern Connecticut Gas Corporation, and Connecticut Natural Gas Company. Loans may be for $500 to $3,000 and funding will be used for conducting qualified improvements/equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measures at the applicable interest rate (capped at 20% of the total loan amount). HES-IE customers may qualify for additional work to be included in the loan.
 

Eligibility
*Eversource and UI electric customers

  1. Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut.

  2. Applicants must participate in the Home Energy Solutions ℠ Program (call 877-WISE-USE (877-947-3873) to arrange a HES assessment for your home).

  3. Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents.

  4. All work must be completed by a C4C Participating Contractor. 

 

Eligible Improvements (minimum efficiency standards must be met)

The 0% loan is limited to the measures listed below.

  • High-Efficiency Insulation - Must conform to current Home Energy Solutions rebate requirements.

  • ENERGY STAR® Ductless Heat Pumps - Must meet the EnergizeCT Ductless Heat Pump rebate criteria.

  • ENERGY STAR® Electric Heat Pump Water Heaters - Energy Factor (EF) 2.4 or greater.

  • ENERGY STAR® Tankless Natural Gas Hot Water Heaters - 0.94 Energy Factor (EF) or greater.

  • ENERGY STAR® Indirect/Combination Water Heaters attached to a natural gas ®boiler - 90% (AFUE) or greater.

  • ENERGY STAR® Natural Gas Condensing Storage Tank - 95% Thermal Efficiency or greater.

  • ENERGY STAR® Replacement windows.


Loan Terms
Eversource electric customers may elect to have loan payments added to their monthly electric bill

  • $500 to $3,000 loan amount.

  • 0% interest rate

  • 3 year (36 months) repayment term


All work must be completed by a C4C Participating Contractor.

Nuestros programas de energía: comprenda qué préstamo es el adecuado para usted

Préstamos Smart-E
*** Capital for Change (C4C) se complace en anunciar que hemos logrado nuestros objetivos para el programa de préstamos Smart-E. En consecuencia, suspenderemos nuestra participación como prestamista en el programa a partir del 20 de diciembre de 2023.

Préstamos Smart-E Los propietarios de viviendas pueden reducir su consumo de energía haciendo que sus hogares sean más resistentes a la intemperie con una variedad de mejoras, que incluyen aislamiento, ventanas, sistemas de calefacción y refrigeración ENERGY STAR® y paneles solares. Estos préstamos “Smart-E” de $500 a $50,000 están disponibles con tasas de interés del 5,99% al 7,49% por plazos de 5 a 12 años.

EnergizeCT Heat Loans 
A homeowner who is an Eversource or United Illuminating residential electric customer may be eligible for a 0.99% interest loan to purchase and install an energy-efficient heating system. This program requires a minimum down payment that is determined by the new system’s projected energy savings.

Préstamo de propietario
Hacer que su propiedad sea más hermética y energéticamente eficiente le ayudará a atraer inquilinos, reducir el consumo de energía de la propiedad y reducir las facturas de servicios públicos. Los préstamos pueden ser de $3,000 a $40,000 y los fondos se utilizarán para realizar mejoras calificadas/reemplazos de equipos.

Smart-E Loan (paused)
EnergizeCT Heating Loan
HES Payment Plan (Micro Loan)
C4C Landlord Loan
Security
Unsecured
Unsecured
Unsecured
UCC Filing
Prepayment Penalty
NO
NO
NO
NO
Fees
NO
NO
NO
UCC Fee $50
Downpayment Required
NO
YES
NO
NO
HES Assessment Required
NO
NO
YES
NO
Eligible Improvements
See Table Button Below
Heating System
See Table Button Below
See Table Button Below
Income Limit Applies
NO
NO
NO
NO
CT Residency Required
YES
NO
NO
NO
Owner-Occupancy Required
YES
NO
NO
NO
Maximum Loan Amount
$50 000.00
$15 000.00
$3 000.00
$40 000.00
Minimum Loan Amount
$500.00
$1 350.00
$500.00
$3 000.00
Debt to Income Ratio Maximum *waived for higher credit scores
50%*
N/A
N/A
50%*
Minimum FICO
580
N/A
N/A
660
Underwriting Basis
Credit Report
Utility History
Utility History
Credit Report
Eversource / UI Electric Customers Only
NO
YES
YES
NO
Payments may be added to electric bill
NO
Required
Required
NO
Repayment Plan
5-12 years
3-10 years
3 years
5-12 years
Interest Rate
5.99% - 7.49%
0.99%
0%
5.99% - 7.49%

| | | Estamos aquí para ayudar

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Servicio al cliente de préstamos al consumo
Teléfono: 1-855-656-5500
Préstamos@capitalforchange.org
Empresa: NMLS #276717

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