Various loans
Various loan handling products
Home loan
●List of interest rates (as of April 2, 2018)
| 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 five items | 2.725% | ▲2.00% | 0.725% | － |
－
|
※The C plan assumes 9, 10 items the applicable outside.
| ●Interest cut condition item |
[possession contents]
|
|
| 1. |
Person of farm products shipment ... ..., ...
|
The United States, apple, stock raising, gardening
|
| 2. | Young group ... ... ..., ... | 20-34-year-old independent debtor |
| 3. | Salary transfer designation ... ..., ... |
I include the person, a spouse, a family
|
| 4. | Pension receipt transfer ... ..., ... | I include the person, a family |
| 5. | Periodical savings ... ... ..., ... | More than balance 1 million yen after the financing practice |
| 6. | Reserve fund paying interest at regular intervals ... ... ..., ... | More than jishinkeiyakutsuki 10,000 yen X one year |
| 7. | Account direct debit ... ..., ... | More than two items such as electricity, water supply, a telephone, NHK, a cell-phone, school expenses, taxes |
| 8. | Children's allowance ... ... ..., ... | It is transfer to a person account |
| 9. | Promotion important point supplier introduction ※It is ... only in the first time | Please confirm it at a window |
| 10. | Use of cooperation home loan middle guarantee, ... | More than borrowed money amount of money 10 million yen |
| 11. | JA card ... ... ... ... | The person |
| 12. | JA mutual aid ... ... ..., ... | Long-term mutual aid, short-term mutual aid |
| 13. | Purchasing business ... ... ..., ... | Use of gas, kerosene continuation |
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Cooperation home loan |
Reform loan
●List of reform loan interest rates (as of April 2, 2018)
| 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% | － | Is crowded | 1.80% - 3.30% | － |
| Jaccs Co.,Ltd. | 4.00% | － | Is crowded | 1.80% - 3.30% | － |
※Please confirm the guarantee charges to a branch window.
●List of not giving security house refinancing loan interest rates (as of April 2, 2018)
| 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% | － | 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 2, 2018)
| 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% | － | Is crowded | 3.00% |
－
|
※Please confirm the guarantee charges to a branch window.
| ●Interest cut condition item | [reduction rate] | |||
|
1.
|
One where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) ... ... ... ... ... ..., ... which is appointed newly
|
(A)1.20%
|
(B)1.00% | |
| 2. | It is during a contract or one (I propose it and include it) ..., ... contracted newly by JA card |
(A)0.80%
|
(B)0.70% | |
| 3. |
One where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or one ... ... ..., ... which is appointed newly
|
(A)0.80%
|
(B)0.50% | |
| 4. | One ... ... ... ... ... ..., ... which is using JA home loan |
(A)0.80%
|
||
| 5. | It is ... (I propose it and include it) that is contracted newly while I contract JA card loan or |
(A)0.70%
|
(B)0.70% | |
| 6. | Others (periodical delivery of long-term mutual aid of JA or short-term mutual aid, gas or kerosene), ... |
(A)0.70%
|
(B)0.50% | |
| ※ | Guarantee organization | Maximum loss | (A)2.20% | (B)1.70% |
| (A)Association of Aomori agriculture trust fund, Nikos | ||||
| (B)JACCS | ||||
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
Car loan
●List of interest rates (as of October 1, 2018)
| 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 | 2.80-3.3% | － | Is crowded | 1.65% - 2.90% | － |
| Jaccs Co.,Ltd. | 2.80% | － | Is crowded | 1.65% - 2.40% | － |
※Please confirm the guarantee charges to a branch window.
| ●Interest cut condition item (common throughout each financial institution) | [reduction rate] | |||
|
1.
|
One where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) ... ... ... ... ... ..., ... which is appointed newly
|
0.60%
|
||
| 2. | It is during a contract or one (I propose it and include it) ..., ... contracted newly by JA card |
0.40%
|
||
| 3. |
One where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or one ... ... ..., ... which is appointed newly
|
0.40%
|
||
| 4. | One ... ... ... ... ... ..., ... which is using JA home loan |
0.40%
|
||
| 5. | It is ... (I propose it and include it) that is contracted newly while I contract JA card loan or |
0.40%
|
||
| 6. | Person joining car mutual aid in JA or one ... ... to join newly | 0.45% | ||
| 7. | Other (periodical delivery of), gas except long-term mutual aid of JA or short-term mutual aid (car mutual aid or kerosene) ... ... ... ... ... ... ... ... ... ... |
0.45%
|
||
| Maximum loss | 1.15% | |||
●Product summary manual
| 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 2, 2018)
| 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 | 2.55% | 4.05% | Distinction | 1.30% - 2.15% | 2.80% - 3.65% |
| Mitsubishi UFJ Nikos public type | 3.55% | － | Is crowded | 1.80% - 3.15% | － |
| Mitsubishi UFJ Nikos extreme model | 4.55% | － | Is crowded | 3.45% - 4.15% | － |
| Jaccs Co.,Ltd. | 3.05% | － | Is crowded | 1.80% - 2.65% | － |
※Please confirm the guarantee charges to a branch window.
| ●Interest cut condition item (common throughout each financial institution) | [reduction rate] | |||
|
1.
|
One where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) ... ... ... ... ... ..., ... which is appointed newly
|
0.60%
|
||
| 2. | It is during a contract or one (I propose it and include it) ..., ... contracted newly by JA card |
0.50%
|
||
| 3. |
One where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or one ... ... ..., ... which is appointed newly
|
0.50%
|
||
| 4. | One ... ... ... ... ... ..., ... which is using JA home loan |
0.40%
|
||
| 5. | It is ... (I propose it and include it) that is contracted newly while I contract JA card loan or |
0.40%
|
||
| 6. | Others (periodical delivery of long-term mutual aid of JA or short-term mutual aid, gas or kerosene), ... |
0.45%
|
||
| ※ | Guarantee organization | Maximum loss | (A)1.25% | (B)1.10% |
| (A)Association of Aomori agricultural cooperative trust fund, Nikos (the public), JACCS | ||||
| (B)Nikos (extreme model) | ||||
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
Free loan
●List of interest rates (as of April 2, 2018)
| 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% | － | Is crowded | 5.50% - 12.50% | － |
| Mitsubishi UFJ Nikos purpose type | 12.50% | － | Is crowded | 3.50% - 10.50% | － |
※Please confirm the guarantee charges to a branch window.
| ●Interest cut condition item (Nikos guarantee) | [reduction rate] | |||
|
1.
|
One where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) ... ... ... ... ... ..., ... which is appointed newly
|
5.00% | ||
| 2. | It is during a contract or one (I propose it and include it) ..., ... contracted newly by JA card | 3.50% | ||
| 3. |
One where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or one ... ... ..., ... which is appointed newly
|
3.50%
|
||
| 4. | One ... ... ... ... ... ..., ... which is using JA home loan | 3.00% | ||
| 5. | It is ... (I propose it and include it) that is contracted newly while I contract JA card loan or | 2.00% | ||
| 6. | Others (periodical delivery of long-term mutual aid of JA or short-term mutual aid, gas or kerosene), ... | 3.00% | ||
| Maximum 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 2, 2018)
| 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% | － | Is crowded | 10.00% - 13.00% | － |
| Jaccs Co.,Ltd. A type | 4.80% | － | Is crowded | 4.80% | － |
| Jaccs Co.,Ltd. B type | 7.00% | － | Is crowded | 7.00% | － |
| Jaccs Co.,Ltd. C type | 9.00% | － | Is crowded | 9.00% | － |
| Jaccs Co.,Ltd. D type | 3.70% | － | Is crowded | 3.70% | － |
※Please confirm the guarantee charges to a branch window.
| ●Interest cut condition item (Nikos guarantee) | [reduction rate] | |||
|
1.
|
One where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) ... ... ... ... ... ..., ... which is appointed newly
|
2.00% | ||
| 2. | It is during a contract or one (I propose it and include it) ..., ... contracted newly by JA card | 1.00% | ||
| 3. |
One where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or one ... ... ..., ... which is appointed newly
|
1.50%
|
||
| 4. | Others (periodical delivery of long-term mutual aid of JA or short-term mutual aid, gas or kerosene), ... | 1.50% | ||
| Maximum loss | 4.00% | |||
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
 |
|
