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Various loans

Various loan handling products

Home loan
Reform loan
Car loan
School expenses loan
Free loan
Card loan

Various loan campaign information

Home loan

●List of interest rates (as of April 1, 2021)
Plan
Fixed term
The number of years
Interest cut
The number of the items
Store interest rate
Original reduction
Interest rate
Original financing
Interest rate
After a period
Reduction interest rate
Again fixed choice
Rear interest rate
A planThree yearsMore than five items2.15%▲1.55%0.60%2.15%
Five years2.63%▲1.73%0.90%2.63%
Ten years3.36%▲2.26%1.10%3.36%
B planThree yearsMore than three items2.15%▲1.35%0.80%▲1.00%1.15%
Five years2.63%▲1.38%1.25%▲1.00%1.63%
Ten years3.36%▲1.66%1.70%▲1.00%2.36%
C planVariable rateMore than four items2.725%▲2.00%0.725%
●Interest cut condition
Reduction itemPossession contents
1.Original union member
An original union member or original union member participation plan
2.Person of farm products shipment
The United States, apple, stock raising, gardening
3.The young group
20-34 years old
4.Salary transfer designation
I include the person, a spouse, a family
5.Pension receipt transfer
I include the person, a family
6.Periodical savings
Balance 1 million yen after the financing practice or more
7.Reserve fund paying interest at regular intervals
More than jishinkeiyakutsuki 10,000 yen X one year
8.Account direct debit
More than two items such as electricity, water supply, a telephone, NHK, a cell-phone, school expenses, taxes
9.Children's allowance
It is transfer to the person account
10. Promotion emphasis supplier introduction ※Only as for the first time
Please confirm it at a window
11.JA card
The person
12. The purchasing transactions
Use of gas, kerosene, continuation
13. Card loan contractAn existing contract or new contract application
14.JA net bankThe net bank existing use or new application
15. Child care supportThe person who has a child becoming the support

Reform loan

●List of reform loan interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rateFixed interest
Association of Aomori agriculture trust fund3.50%4.725%Distinction1.30% - 2.80%2.525% - 4.025%
Mitsubishi UFJ Nikos4.00%It is crowded1.80% - 3.30%
Jaccs Co.,Ltd.4.00%It is crowded1.80% - 3.30%
※Please confirm the guarantee charges to a branch window.
●List of unsecured house refinancing loan interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rateFixed interest
Jaccs Co.,Ltd.3.30%It is crowded1.60% - 2.80%
※Please confirm the guarantee charges to a branch window.
●List of house support loan interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rateFixed interest
Jaccs Co.,Ltd.3.00%It is crowded3.00%
※Please confirm the guarantee charges to a branch window.
●Interest cut condition
Reduction item
Reduction rate
Association of Aomori agriculture trust fund, JACCS
Mitsubishi UFJ
Nikos
JACCS no security house refinancing
1.The person that salary transfer is appointed in JA or the person who is appointed newly
(transfer-designated the farm products sale price transfer, a pension include)
1.20%
1.20%
1.00%
2.(I propose it and include it) that is contracted newly while I contract JA card or
0.80%
0.80%
0.70%
3.The person that the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the person who is appointed newly
0.80%
0.80%
0.50%
4.The person who is using JA home loan
0.80%
0.80%

5.(I propose it and include it) that is contracted newly while I contract JA card loan or
0.70%
0.70%
0.70%
6.(I propose it and include it) that is contracted newly while I contract JA net bank or
0.80%
0.80%
0.70%
7.The person who was applied for from the JA net loan HP

0.70%

8.Periodical delivery of gas or kerosene
0.70%

0.50%
 
Most Obiki loss2.20%2.20%1.70%

Car loan

●List of interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rateFixed interest
Association of Aomori agriculture trust fund2.20%3.05%Distinction1.05% - 1.80%
1.90% - 2.65%
Mitsubishi UFJ Nikos2.80-3.30%It is crowded1.65% - 2.90%
Jaccs Co.,Ltd.
Until << March 31, 2021
During campaign enforcement >>
2.75%It is crowded1.60% - 2.75%
※Please confirm the guarantee charges to a branch window.
●Interest cut condition
Reduction item
Reduction rate
Association of Aomori agriculture trust fund, JACCS
Mitsubishi UFJ
Nikos
1.The person that salary transfer is appointed in JA or the person who is appointed newly
(transfer-designated the farm products sale price transfer, a pension include)
0.60%
0.60%
2.(I propose it and include it) that is contracted newly while I contract JA card or
0.40%
0.40%
3.The person that the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the person who is appointed newly
0.40%
0.40%
4.The person who is using JA home loan
0.40%
0.40%
5.(I propose it and include it) that is contracted newly while I contract JA card loan or
0.40%
0.40%
6.(I propose it and include it) that is contracted newly while I contract JA net bank or
0.40%
0.40%
7.The person who was applied for from the JA net loan HP

0.90%
8.Periodical delivery of gas or kerosene
0.45%

 
Most Obiki loss1.15%1.15%

School expenses loan

●List of interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rateFixed interest
Association of Aomori agriculture trust fund
          General model
2.55%4.05%Distinction1.30% - 2.15%2.80% - 3.65%
Association of Aomori agriculture trust fund
         Card type
4.00%Distinction2.90% - 4.00%
The Mitsubishi UFJ Nikos public type3.55%It is crowded1.80% - 3.15%
Mitsubishi UFJ Nikos card type
4.55%It is crowded3.45% - 4.15%
Jaccs Co.,Ltd.3.05%It is crowded1.80% - 2.65%
※Please confirm the guarantee charges to a branch window.
●Interest cut condition
Reduction item
Reduction rate
Association of Aomori agriculture trust fund, JACCS
Mitsubishi UFJ
Nikos
1.The person that salary transfer is appointed in JA or the person who is appointed newly
(transfer-designated the farm products sale price transfer, a pension include)
0.60%
0.60%
2.(I propose it and include it) that is contracted newly while I contract JA card or
0.50%
0.50%
3.The person that the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the person who is appointed newly
0.50%
0.50%
4.The person who is using JA home loan
0.40%
0.40%
5.(I propose it and include it) that is contracted newly while I contract JA card loan or
0.40%
0.40%
6.(I propose it and include it) that is contracted newly while I contract JA net bank or
0.50%
0.50%
7.The person who was applied for from the JA net loan HP

0.45%
8.Periodical delivery of gas or kerosene
0.45%

 
◇Maximum pull loss
Association of Aomori agriculture trust fund, JACCS, Mitsubishi UFJ Nikos (the public)
1.25%1.25%
Association of Aomori agriculture trust fund, Mitsubishi UFJ Nikos (card type)

1.10%

Multi-purpose, free loan

●List of interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rate
Fixed interest
Association of Aomori agriculture trust fund4.10%Distinction4.10%
Mitsubishi UFJ Nikos free type14.50%It is crowded5.50% - 12.50%
Mitsubishi UFJ Nikos purpose type12.50%It is crowded3.50% - 10.50%
※Please confirm the guarantee charges to a branch window.
●Interest cut condition
Reduction itemReduction rate
1.The person that salary transfer is appointed in JA or person (transfer-designated the farm products sale price transfer, a pension include) who is appointed newly
5.00%
2.(I propose it and include it) that is contracted newly while I contract JA card or
3.50%
3.The person that the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the person who is appointed newly
3.50%
4.The person who is using JA home loan
3.00%
5.(I propose it and include it) that is contracted newly while I contract JA card loan or
2.00%
6.(I propose it and include it) that is contracted newly while I contract JA net bank or
3.50%
7.The person who was applied for from the JA net loan HP
3.00%
 
Most Obiki loss9.00%
●Product summary manual
Guarantee organizationBrand name
Association of Aomori agriculture trust fund
Mitsubishi UFJ Nikos
Condition of a fee of the JA net bank free loan advanced payment and the return amount of money

Card loan

●List of interest rates (as of April 1, 2021)
Guarantee organization nameStore interest rate
Guarantee charges
It is an interest rate after the reduction
Variable rateFixed interestVariable rate
Fixed interest
Association of Aomori agriculture trust fund9.10%Distinction9.10%
Mitsubishi UFJ Nikos14.00%It is crowded10.00% - 13.00%
Jaccs Co.,Ltd. A type4.80%It is crowded4.80%
Jaccs Co.,Ltd. B type7.00%It is crowded7.00%
Jaccs Co.,Ltd. C type9.00%It is crowded9.00%
Jaccs Co.,Ltd. D type3.70%It is crowded3.70%
※Please confirm the guarantee charges to a branch window.
●Interest cut condition (only as for Mitsubishi UFJ Nikos)
Reduction itemReduction rate
1.The person that salary transfer is appointed in JA or person (transfer-designated the farm products sale price transfer, a pension include) who is appointed newly
2.00%
2.(I propose it and include it) that is contracted newly while I contract JA card or
1.00%
3.The person that the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the person who is appointed newly
1.50%
4.(I propose it and include it) that is contracted newly while I contract JA net bank or
1.00%
5.The person who was applied for from the JA net loan HP
1.50%
 
Most Obiki loss4.00%

Inquiry about various loan products

Time in Contact information
From April to November ... weekdays 8:00-17:00
From December to March ... weekdays 8:30-16:30
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