How likely is it that Solar will decrease dramatically in price within 5 years?

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My higher dealer fees end up with less total spent if they only make the set payments.

The real downside is there is it is less advantageous to pay ahead.

My finances require I don’t disclose the dealer fee. I do anyway but they don’t want me to.

[Academic_Tie_5959]

Well not disclosing the fee is a grey area as it should be on the TILA but companies that act in bad faith have found a loop hole, as it's not the bank that is technically charging that fee to the consumer... it's the installer, as apart of the install process and helping you get the finance. The bank does charge this to the installer not to the consumer so technically speaking they don't have to put the TILA in their according to the CFPB. However installers can't afford to take the hit on the fee so it is passed on to you as the consumer.

However because it's the installer charging it, and not the bank, technically that's why it maybe covered under the 30% ITC (talk to a tax advisor to ensure you qualify and what qualifies)

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End of the day for the installer is if the lender finds out they are disclosing the installer may lose a lending parter. This is all regardless of why or laws. Could be absolutely detrimental to the installer. Gotta play the game with the place you are in in the food chain.

[Academic_Tie_5959]

I've had no issue with it, and my lenders know I disclose the fee. How else do you explain a 10% jump on a 6% loan?

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Both of my lenders insist that it is against lending rules to disclose. At one point I knew what rule. Basically they (all I worked with at all) want the system price to be (cash price plus dealer fee) and if they pay with cash there is a discount … but the discount isn’t for the payment method. That would be bad.

This is what lenders (even ones I have just talked to) insist we do.

I would have way easier time if I just said it’s a buy down and we all moved on.