英国政府于周二正式启动名为“温暖家庭贷款”（Warm Home Loans）的计划 1。该计划由多家能源供应商与金融机构合作推出，向全英家庭提供免息或低息贷款，以资助安装热泵、电池和太阳能板等低碳能源设备 1。其核心目标是降低居民能源账单并推动清洁能源转型 1。能源大臣 Miatta Fahnbulleh 表示，该贷款帮助家庭无需预付成本即可升级住宅 1。
在资金额度方面，贷款金额范围为 £7,500 至最高 £35,000 1。具体而言，安装空气源热泵可获最高 £10,000 的贷款，而地源热泵可获最高 £35,000 的贷款 1。据测算，若家庭安装包括热泵、电池和太阳能板在内的全套设备，预计每年可节省高达 £550 的能源费用；若结合分时电价，还可额外节省 £300 1。E.On UK 首席执行官 Chris Norbury 指出，考文垂的试点显示燃料贫困客户平均每年节省超过 £250 1。
与此同时，财政大臣将在即将发布的预算中缩减现有的锅炉升级补助金规模 1。据报道，锅炉升级计划（Boiler Upgrade Scheme）原为 £2.7bn 的五年预算将削减数亿英镑 1。目前，现有政府计划为安装热泵的家庭提供每年高达 £9,000 的补助 1。未接入燃气网且依赖高价加热油的家庭仍可能保留高达 £9,000 的年补助 1。
The British government officially commenced the “Warm Home Loans” scheme on Tuesday, offering households across the nation access to interest-free or low-interest financing for installing low-carbon energy technologies such as heat pumps, batteries, and solar panels 1. This initiative is a collaborative effort between multiple energy suppliers and financial institutions, designed to reduce residents' energy bills while accelerating the transition to cleaner power sources 1. Under the new framework, loan amounts will range from £7,500 up to a maximum of £35,000, with specific provisions allowing borrowers to secure up to £10,000 for air-source heat pump installations or up to £35,000 for ground-source systems 1.
Energy Secretary Miatta Fahnbulleh emphasized that the lending program enables homeowners to upgrade their properties without bearing the upfront costs traditionally associated with such renovations 1. Pilot data presented by Chris Norbury, CEO of E.On UK, indicates that customers in Coventry who were experiencing fuel poverty achieved average annual savings exceeding £250 through similar interventions 1. Broader projections suggest that homes equipped with a complete suite of devices—including a heat pump, battery, and solar panels—could save up to £550 annually on energy costs, with an additional £300 in potential savings available if time-of-use tariffs are adopted 1.
Amidst these developments, conflicting signals regarding existing subsidies have emerged. While current government programs provide households installing heat pumps with grants of up to £9,000 per year, reports indicate that the Chancellor plans to scale back the Boiler Upgrade Scheme in the upcoming budget announcement 1. Sources close to the matter state that the scheme’s original five-year budget of £2.7 billion could be reduced by several hundred million pounds 1. However, it is noted that households not connected to the gas network and those relying on expensive heating oil may continue to retain access to annual support levels of up to £9,000 1.
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