利率 & 条款

利率 & 条款

弗吉尼亚农业信贷 has several rate plans and terms available to suit your particular needs and unique financial situation.

Not sure which option is right for you? 请放心, our team members are here to sort out your options and make a recommendation that will help you maximize the use of your money while minimizing your interest cost. 

利率

阅读下面我们的费率. Your loan officer will provide additional info to help you make a decision based on your specific financing needs and loan package. 

固定利率

Fixed rates can help you manage risk. Fixed rate means that your interest rate and loan payment is set for the life of your loan. It cannot increase, nor will it decrease with the interest rate market.

可变利率

Variable rate loans have an interest rate that can vary during the term of the loan. The rate may be lower than current fixed rate loans but can change based on an index. A variable rate loan allows you, 借款人, to decide how much interest rate risk you are willing to take based on your individual needs.

固定变量率

The interest rate is fixed for an initial short term with a longer amortization. At the end of the initial fixed rate period the rate rolls over to a variable rate. You may have the option to reprice or convert before the end of the fixed term should you desire to lock into a longer term rate or take advantage in declining rates. At the end of the fixed period you may negotiate another fixed rate for a period of time based on the current rate.

条款

这取决于贷款的种类, 我们提供短期, 中期, and long-term repayment periods.

The length of a loan repayment can range from one month to 30 years, depending on the loan program and rate selected.

Good financial management dictates that loan terms correspond to the life of the operation or asset being financed. 例如, 种子, 肥料, and other agricultural operating expenses are used up when the crop is grown, while items with a very long life, 比如农场地产, 可以支持更长的期限.

Read up on our loan term options below. We'll provide additional information about the particular loan you need for your operation, 农村家园或土地.

短期贷款

Short-term loans are intended to cover operating expenses.

• Labor, 种子, 肥料, chemicals, equipment repairs and custom work
• Feed, electricity and veterinary costs
• 其他一般营运费用
• Family living expenses, including college tuition (available to full-time farmers only)

The interest rates for these loans are competitive. The interest rate options include fixed rates, prime based variable rates and variable rates.

Intermediate-term 贷款 (1-10 years)

Intermediate-term loans are for amortization terms of one to ten years.

• 购买房地产
• Machinery and equipment purchases
• 购买牲畜
• Refinancing of short-term debts
• Vehicle purchases or refinancing

Long-term 贷款 (up to 30 years)

Long-term loans are for amortization terms up to 20 years, or even 30 years if the loan is related to 借款人's primary home.

• 购买房地产
• Refinancing short- and 中期 loans
• 负债
• Dwelling facilities and facilities construction
• 农场的改进
• Orchard establishment/replanting
• 托儿所/温室设施

The interest rates for these loans are competitive. The interest rate options include fixed rates, 气球利率, 可调率(1), 三个, or five years) and variable rates.

信用报告

弗吉尼亚农业信贷, ACA furnishes data to credit reporting agencies. The association's reporting efforts are important for aiding consumers in obtaining credit, assisting businesses in credit approval, providing consumers with timely and accurate personal credit information, 减少欺诈和滥用, helping prevent identity theft, and minimizing errors in credit reporting. If you have questions regarding this process, please contact our Credit Desk at 540-886-3435 ext. 5038.