New Economics Foundation and Finance Innovation Lab suggest loan scheme backed by Bank of England could benefit up to 8m homes

Millions of UK households could save hundreds of pounds a year on their energy bills if the government were to approve low-cost loans for solar panel installation, research has found.

Solar panels with batteries are one of the cheapest ways to generate electricity and reduce energy bills, but with an upfront cost of about £6,000 they are still beyond the reach of most cash-strapped UK households while other countries forge ahead with installation.

The long-running series in which readers answer other readers’ questions considers a hot topic within renewable energy

This week’s replies: Are there places on Earth where humans haven’t been?

I would like to know why we build solar farms over green space, when we could just put them over massive car parks as a popular current internet meme suggests. Chris, Middlesbrough

Post your answers (and new questions) below or send them to nq@theguardian.com. A selection will be published next Sunday.

For months I’ve been trying to receive my FIT payment, which should be more than £1,000

I moved into my new house 14 months ago, and soon afterwards applied to ScottishPower, with whom the solar panels are registered for a feed-in tariff (Fit), for transfer of ownership of the panels and the tariff.

After many emails back and forth, I got a response saying they had all the information required.