Various loans
Various loan handling products
Various loan campaign information
Home loan
●List of interest rates (as of October 1, 2022)
| 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 plan | Three years | More than five items | 2.15% | ▲1.55% | 0.60% | － | 2.15% |
| Five years | 2.63% | ▲1.73% | 0.90% | － | 2.63% | ||
| Ten years | 3.36% | ▲2.26% | 1.10% | － | 3.36% | ||
| B plan | Three years | More than three items | 2.15% | ▲1.35% | 0.80% | ▲1.00% | 1.15% |
| Five years | 2.63% | ▲1.38% | 1.25% | ▲1.00% | 1.63% | ||
| Ten years | 3.36% | ▲1.66% | 1.70% | ▲1.00% | 2.36% | ||
| C plan | Variable rate | More than four items | 2.725% | ▲2.00% | 0.725% | － | － |
●Interest cut condition
| Reduction item | Possession 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 contract | An existing contract or new contract application |
| 14.JA net bank | The net bank existing use or new application |
| 15. Child care support | The person who has a child becoming the support |
●Product summary manual
Condition of a fee of the JA net bank home loan advanced payment and the return amount of money
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Cooperation home loan |
Reform loan
●List of reform loan interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Association of Aomori agriculture trust fund | 3.50% | 4.725% | Distinction | 1.30% - 2.80% | 2.525% - 4.025% |
| Mitsubishi UFJ Nikos | 4.00% | － | It is crowded | 1.80% - 3.30% | － |
| Jaccs Co.,Ltd. | 4.00% | － | It is crowded | 1.80% - 3.30% | － |
※Please confirm the guarantee charges to a branch window.
●List of unsecured house refinancing loan interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Jaccs Co.,Ltd. | 3.30% | － | It is crowded | 1.60% - 2.80% | － |
※Please confirm the guarantee charges to a branch window.
●List of house support loan interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Jaccs Co.,Ltd. | 3.00% | － | It is crowded | 3.00% | － |
※Please confirm the guarantee charges to a branch window.
●List of agriculture stay loan interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Association of Aomori agriculture trust fund | 3.50% | 4.725% | Distinction | 1.30% - 2.80% | 2.525% - 4.025% |
※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 refinancing from other financial institutions | 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 loss | 2.20% | 2.20% | 1.70% |
●Product summary manual
Condition of a fee of the JA net bank reform loan advanced payment and the return amount of money
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
Car loan
●List of interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Association of Aomori agriculture trust fund | 2.20% | 3.05% | Distinction | 1.05% - 1.80% | 1.90% - 2.65% |
| Mitsubishi UFJ Nikos | 2.80-3.30% | － | It is crowded | 1.65% - 2.90% | － |
Jaccs Co.,Ltd. | 2.75% | － | It is crowded | 1.60% - 2.35% | － |
※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 | 0.40% | 0.40% |
| ４．The refinancing from other financial institutions | 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 | 0.40% | |
| ８．Periodical delivery of gas or kerosene | 0.40% | |
| Most Obiki loss | 1.15% | 1.15% |
●Product summary manual
Condition of a fee of the JA net bank car loan advanced payment and the return amount of money
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
School expenses loan
●List of interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
Association of Aomori agriculture trust fund General model | 2.55% | 4.05% | Distinction | 1.30% - 2.15% | 2.80% - 3.65% |
Association of Aomori agriculture trust fund Card type | 4.00% | － | Distinction | 2.90% - 4.00% | － |
| The Mitsubishi UFJ Nikos public type | 3.55% | － | It is crowded | 1.80% - 3.15% | － |
Mitsubishi UFJ Nikos card type | 4.55% | － | It is crowded | 3.45% - 4.15% | － |
| Jaccs Co.,Ltd. | 3.05% | － | It is crowded | 1.80% - 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 | 0.40% | 0.40% |
| ４．The refinancing from other financial institutions (except the education card) | 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 | 0.40% | |
| ８．Periodical delivery of gas or kerosene | 0.40% | |
◇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) | 1.15% |
●Product summary manual
Condition of a fee of the JA net bank school expenses loan advanced payment and the return amount of money
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
Multi-purpose, free loan
●List of interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Association of Aomori agriculture trust fund | 4.10% | － | Distinction | 4.10% | － |
| Mitsubishi UFJ Nikos free type | 14.50% | － | It is crowded | 5.50% - 12.50% | － |
| Mitsubishi UFJ Nikos purpose type | 12.50% | － | It is crowded | 3.50% - 10.50% | － |
※Please confirm the guarantee charges to a branch window.
●Interest cut condition
| Reduction item | Reduction 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 refinancing from other financial institutions | 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 | 2.00% |
| Most Obiki loss | 9.00% |
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos |
Card loan
●List of interest rates (as of April 1, 2022)
| Guarantee organization name | Store interest rate | Guarantee charges | It is an interest rate after the reduction | ||
| Variable rate | Fixed interest | Variable rate | Fixed interest | ||
| Association of Aomori agriculture trust fund | 9.10% | － | Distinction | 9.10% | － |
| Mitsubishi UFJ Nikos | 14.00% | － | It is crowded | 10.00% - 13.00% | － |
| Jaccs Co.,Ltd. A type | 4.80% | － | It is crowded | 4.80% | － |
| Jaccs Co.,Ltd. B type | 7.00% | － | It is crowded | 7.00% | － |
| Jaccs Co.,Ltd. C type | 9.00% | － | It is crowded | 9.00% | － |
| Jaccs Co.,Ltd. D type | 3.70% | － | It is crowded | 3.70% | － |
※Please confirm the guarantee charges to a branch window.
●Interest cut condition (only as for Mitsubishi UFJ Nikos)
| Reduction item | Reduction 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 | 1.50% |
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 | 1.50% |
| ４．(I propose it and include it) that is contracted newly while I contract JA net bank or | 1.50% |
５．The person who was applied for from the JA net loan HP | 1.00% |
| Most Obiki loss | 4.00% |
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
Inquiry about various loan products
| Time in | Contact information |
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From April to November ... weekdays 8:00-17:00
From December to March ... weekdays 8:30-16:30
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