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Various loans

Various loan handling products

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

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      

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%  
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