Various loans｜JA Tsugaru Hirosaki homepage

Various loans

Various loan handling products

Home loan

●List of interest rates (as of November 1, 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 four items	2.725%	▲2.00%	0.725%	－	－

※The C plan assumes 10 items the applicable outside.

●Interest cut condition

Reduction item	Possession contents
１．Person of farm products shipment	The United States, apple, stock raising, gardening
２．The young group	20-34 years old
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　※Only as for 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. Purchasing business	Use of gas, kerosene, continuation
13. Card loan contract	An existing contract or new contract application
14. Child care support	The person who has a child becoming the support

●Product summary manual

Guarantee organization	Brand name
Association of Aomori agriculture trust fund	・Home loan (general model) ・Home loan (100% support type) ・Home loan (refinancing support model)
Cooperation home loan	・Home loan (new construction, purchase course) ・Home loan (refinancing course)

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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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

Reduction item	Reduction rate
Reduction item	Aomori agriculture shinyokikinkyo Meeting, jar kusu	Mitsubishi UFJ Nikos	JACCS Not giving security house Refinancing
The one where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) that is appointed newly	1.20%	1.20%	1.00%
(I propose it and include it) that is contracted newly while I contract JA card or	0.80%	0.80%	0.70%
The one where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the one that is appointed newly	0.80%	0.80%	0.50%
The person who is using JA home loan	0.80%	0.80%	－
(I propose it and include it) that is contracted newly while I contract JA card loan or	0.70%	0.70%	0.70%
The one that was applied for from the JA net loan HP	－	0.70%	－
Periodical delivery of gas or kerosene	0.70%	－	0.50%

Most Obiki loss

2.20%

1.70%

●Product summary manual

Guarantee organization	Brand name
Association of Aomori agriculture trust fund	・Reform loan (general model A)
Mitsubishi UFJ Nikos	・Reform loan (general model C) ・Reform loan (general model C, house fund refinancing type) ・Reform loan (general model C, empty house dismantling type)
Jaccs Co.,Ltd.	・JACCS house support loan (product for JA home loan users) ・JACCS not giving security house refinancing loan ・JACCS reform loan

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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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

Reduction item	Reduction rate
Reduction item	Aomori agriculture shinyokikinkyo Meeting, jar kusu	Mitsubishi UFJ Nikos
The one where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) that is appointed newly	0.60%	0.60%
(I propose it and include it) that is contracted newly while I contract JA card or	0.40%	0.40%
The one where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the one that is appointed newly	0.40%	0.40%
The person who is using JA home loan	0.40%	0.40%
(I propose it and include it) that is contracted newly while I contract JA card loan or	0.40%	0.40%
The one that was applied for from the JA net loan HP	－	0.90%
Periodical delivery of gas or kerosene	0.45%	－

Most Obiki loss

1.15%

●Product summary manual

Guarantee organization	Brand name
Association of Aomori agriculture trust fund	・Car loan (general model A)
Mitsubishi UFJ Nikos	・Car loan (general model C)
Jaccs Co.,Ltd.	・JACCS guarantee JA car loan (belonging to road service) belonging to

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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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

Reduction item	Reduction rate
Reduction item	Aomori agriculture shinyokikinkyo Meeting, jar kusu	Mitsubishi UFJ Nikos
The one where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) that is appointed newly	0.60%	0.60%
(I propose it and include it) that is contracted newly while I contract JA card or	0.50%	0.50%
The one where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the one that is appointed newly	0.50%	0.50%
The person who is using JA home loan	0.40%	0.40%
(I propose it and include it) that is contracted newly while I contract JA card loan or	0.40%	0.40%
The one that was applied for from the JA net loan HP	－	0.45%
Periodical delivery of gas or kerosene	0.45%	－

◇Most Obiki loss

Association of Aomori agriculture trust fund, JACCS, Mitsubishi UFJ Nikos (the public)	1.25%	1.25%
Mitsubishi UFJ Nikos (extreme model)	－	1.10%

●Product summary manual

Guarantee organization	Brand name
Association of Aomori agriculture trust fund	・School expenses loan (general model A)
Mitsubishi UFJ Nikos	・School expenses loan (general model C) ・School expenses loan (extreme model C)
Jaccs Co.,Ltd.	・JACCS guarantee JA school expenses loan belonging to

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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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

Reduction item	Reduction rate
The one where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) that is appointed newly	5.00%
(I propose it and include it) that is contracted newly while I contract JA card or	3.50%
The one where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the one that is appointed newly	3.50%
The person who is using JA home loan	3.00%
(I propose it and include it) that is contracted newly while I contract JA card loan or	2.00%
The one that was applied for from the JA net loan HP	3.00%

Most Obiki loss

9.00%

●Product summary manual

Guarantee organization	Brand name
Association of Aomori agriculture trust fund	・Free loan (general model A)
Mitsubishi UFJ Nikos	・Free loan (general model C free type) ・Free loan (general model C, purpose type)

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
Guarantee organization name	Variable rate	Fixed interest	Guarantee charges	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

Reduction item	Reduction rate
The one where salary transfer is appointed in JA or one (I include farm products sale price transfer, pension transfer designation) that is appointed newly	2.00%
(I propose it and include it) that is contracted newly while I contract JA card or	1.00%
The one where the fund transfer of utilities (electricity, telephone, water supply, gas, NHK license fee) is appointed more than one in JA or the one that is appointed newly	1.50%
The one that was applied for from the JA net loan HP	1.50%

Most Obiki loss

4.00%

●Product summary manual

Guarantee organization	Brand name
Association of Aomori agriculture trust fund	・Card loan (promise return model, general model A)
Mitsubishi UFJ Nikos	・Card loan (product for general model C, JA home loan users)
Jaccs Co.,Ltd.	・JACCS card loan (A type) ・JACCS card loan (B type) ・JACCS card loan (C type) ・JACCS card loan (D type)

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