NOVELTY - A solar energy converter (1) comprises multi-layer assembly (10), photovoltaic panel (12) and manifold assembly. The multi-layer assembly has layers separated by separator floors (104), each layer has at least one channel adapted to contain fluid stream. The bottom surface of photovoltaic panel contacts the multi-layer assembly. The panel has photovoltaic cells for gathering solar energy and converting incident solar energy into electric energy. The heating of multi-layer assembly and photovoltaic panel rises temperature of fluid streams within each layer of multi-layer assembly.    USE - Solar energy converter for generating electric energy and heated fluid.    ADVANTAGE - The converter is simple, reliable and inexpensive without complicated tubes/pipes.    DETAILED DESCRIPTION - Solar energy converter (1) comprises multi-layer assembly (10), photovoltaic panel (12) and manifold assembly. The multi-layer assembly is a casing comprising N layers separated by separator floors (104), each layer has at least one channel adapted to contain fluid stream, and each layer has first opening and second opening. The photovoltaic panel has top surface and bottom surface. The bottom surface of photovoltaic panel contacts the multi-layer assembly. The panel has photovoltaic cells, disposed on top surface, for gathering solar energy and converting incident solar energy into electric energy. The heating of multi-layer assembly and photovoltaic panel rises temperature of fluid streams within each layer of multi-layer assembly. The manifold assembly, detachably engaged with multi-layer assembly, comprising N passages for containing fluid streams, where Kth passage adapted to distribute fluid stream to be heated into channel of Kth layer through corresponding first opening and collect heated fluid stream from channel of the Kth layer through corresponding second opening. The N is a positive integer and K is positive integer less than or equal to N. An INDEPENDENT CLAIM is included for generating electric energy and heated fluid which comprises providing photovoltaic panel comprising photovoltaic cells for gathering solar energy and converting incident solar energy into electric energy; providing multi-layer assembly, each layer adapted to contain fluid stream; distributing fluid streams to be heated into N layers; rising temperature of fluid streams within each layer of multi-layer assembly by heating of multi-layer assembly and photovoltaic panel; and collecting heated fluid stream from N layers.    DESCRIPTION OF DRAWING(S) - The drawing is a perspective view illustrating a solar energy converter.    Solar energy converter (1)    Multi-layer assembly (10)    Photovoltaic panel (12)    Second manifold unit (14b)    Separator floors (104)