Various loans
Various loan handling products
Home loan
●List of interest rates (as of April 1, 2019)
| 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
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, 2019)
| 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 1, 2019)
| 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 1, 2019)
| 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
| Reduction item | Reduction rate | ||
|---|---|---|---|
|
Aomori agriculture
shinyokikinkyo
Meeting, jar
kusu
|
Mitsubishi UFJ
Nikos
|
JACCS
Not giving security house
Refinancing
|
|
|
１．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% |
|
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 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% |
|
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．The one that was applied for from the JA net loan HP
|
－ | 0.70% | － |
|
７．Periodical delivery of gas or kerosene
|
0.70%
|
－ | 0.50% |
| Most Obiki loss | 2.20% | 2.20% | 1.70% |
●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 April 1, 2019)
| 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
| Reduction item | Reduction rate | |
|---|---|---|
|
Aomori agriculture
shinyokikinkyo
Meeting, jar
kusu
|
Mitsubishi UFJ
Nikos
|
|
|
１．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% |
|
２．(I propose it and include it) that is contracted newly while I contract JA card or
|
0.40%
|
0.40% |
|
３．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% |
|
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．The one that was applied for from the JA net loan HP
|
－ | 0.90% |
|
７．Periodical delivery of gas or kerosene
|
0.45%
|
－ |
| Most Obiki loss | 1.15% | 1.15% |
●Product summary manual
| Guarantee organization | Brand name |
| Association of Aomori agriculture trust fund | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
●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 1, 2019)
| 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
| Reduction item | Reduction rate | |
|---|---|---|
|
Aomori agriculture
shinyokikinkyo
Meeting, jar
kusu
|
Mitsubishi UFJ
Nikos
|
|
|
１．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% |
|
２．(I propose it and include it) that is contracted newly while I contract JA card or
|
0.50%
|
0.50% |
|
３．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% |
|
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．The one that was applied for from the JA net loan HP
|
－ | 0.45% |
|
７．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 | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
Free loan
●List of interest rates (as of April 1, 2019)
| 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
| Reduction item | Reduction rate |
|---|---|
|
１．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% |
|
２．(I propose it and include it) that is contracted newly while I contract JA card or
|
3.50%
|
|
３．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%
|
|
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．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 | |
| Mitsubishi UFJ Nikos |
Card loan
●List of interest rates (as of April 1, 2019)
| 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
| Reduction item | Reduction rate |
|---|---|
|
１．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% |
|
２．(I propose it and include it) that is contracted newly while I contract JA card or
|
1.00%
|
|
３．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%
|
|
４．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 | |
| Mitsubishi UFJ Nikos | |
| Jaccs Co.,Ltd. |
 |
|
