Our rules
Promises we keep, written down.
Building a home back home should never put your family under strain. These are the limits we hold ourselves to, published so you can hold us to them.
Why we publish them
Most companies keep their lending limits in the small print. We put ours here, in everyday words, because a promise you cannot read is not much of a promise.
They apply to the solar systems we will supply and to any finance a partner bank offers through us. Nobody at Syllola can switch them off for a single deal.
Six promises about money
Your payment stays below what you already spend on power.
The monthly solar payment can never be more than 90% of what the household already spends on energy today, verified, not estimated. If it would be, the answer is a smaller system, never a longer contract.
Rule 1, exactly as written in our systems
- Rule 1
- Payment ≤ 90% of verified current energy spend
- Checked at
- Pre-approval, blocking
- If it would be broken
- Re-size to smaller SKU; never extend tenor
Repayments leave room for the rest of your life.
All repayments together, home and power, may take no more than 40% of income for salaried earners and 30% for informal earners.
Rule 2, exactly as written in our systems
- Rule 2
- Combined PTI ≤ 40% formal / 30% informal
- Checked at
- Pre-approval, blocking
- If it would be broken
- Reject or re-size
You never keep paying for equipment that has worn out.
A solar contract can run for at most 40% of the battery’s warranty period, so nobody is still paying for equipment that has worn out. This cannot be changed deal by deal.
Rule 3, exactly as written in our systems
- Rule 3
- Tenor ≤ 40% of battery warranty
- Checked at
- Contract generation
- If it would be broken
- Hard cap; not configurable per deal
A missed payment never grows into a bigger debt.
Missed payments are never rolled into a longer or larger contract. The software has no way to do it: the function was never built.
Rule 4, exactly as written in our systems
- Rule 4
- No rollover, no refinancing
- Checked at
- Arrears workflow
- If it would be broken
- Capitalisation endpoint does not exist
Nobody is ever fully cut off.
If a lender instructs a reduction after sustained arrears and 72 hours’ notice, the system drops to essential loads only. A household is never fully disconnected: that command does not exist.
Rule 5, exactly as written in our systems
- Rule 5
- Throttle to essential loads only
- Checked at
- Telemetry command layer
- If it would be broken
- Full disconnect command is not implemented
A breathing space when life gets hard.
A household in difficulty gets one payment holiday every 24 months. It applies automatically; nobody has to plead for it, and nobody can refuse it.
Rule 6, exactly as written in our systems
- Rule 6
- One hardship holiday per 24 months
- Checked at
- Automatic on trigger
- If it would be broken
- Applied without operator discretion
Things we will never do
Some things are simply not built into Syllola, so nobody can do them by mistake.
We never hold your money. Purchase money goes straight to the seller, never through us.
We never lend to you ourselves. Any loan would come from a regulated bank.
We never change a finding after it is issued. A correction is added beside it, in plain view.
Installers never sign off their own work. A system counts as finished only when it proves itself.
How we are paid
You pay a fixed fee for a verification, agreed before any work starts. It is the same whatever we find, and whether you go ahead or walk away.
If you later finance a home or solar system through a partner bank, that bank may pay us too. Every record we issue says so openly.