1280万円の住宅ローンの年数・期間・金利ごとの毎月返済額・総支払額・総金利額をまとめました。1280万円の住宅ローンが、期間や金利によってどれくらい異なるか把握できれば幸いです。
返済方式は元利均等返済、金利は固定金利、頭金無しのフルローン、ボーナス支払い無しの形でまとめていきます。
1280万円の住宅ローン｜期間・年数別
1280万円｜50年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 50 | 0.70% | ¥25,290 | ¥15,174,096 | ¥2,374,096 |
| 50 | 0.80% | ¥25,891 | ¥15,534,423 | ¥2,734,423 |
| 50 | 0.90% | ¥26,500 | ¥15,899,994 | ¥3,099,994 |
| 50 | 1.00% | ¥27,118 | ¥16,270,785 | ¥3,470,785 |
| 50 | 1.10% | ¥27,745 | ¥16,646,772 | ¥3,846,772 |
| 50 | 1.20% | ¥28,380 | ¥17,027,926 | ¥4,227,926 |
| 50 | 1.30% | ¥29,024 | ¥17,414,218 | ¥4,614,218 |
| 50 | 1.40% | ¥29,676 | ¥17,805,615 | ¥5,005,615 |
| 50 | 1.50% | ¥30,337 | ¥18,202,083 | ¥5,402,083 |
| 50 | 1.60% | ¥31,006 | ¥18,603,585 | ¥5,803,585 |
| 50 | 1.70% | ¥31,683 | ¥19,010,082 | ¥6,210,082 |
| 50 | 1.80% | ¥32,369 | ¥19,421,532 | ¥6,621,532 |
| 50 | 1.90% | ¥33,063 | ¥19,837,893 | ¥7,037,893 |
| 50 | 2.00% | ¥33,765 | ¥20,259,120 | ¥7,459,120 |
| 50 | 2.10% | ¥34,475 | ¥20,685,166 | ¥7,885,166 |
| 50 | 2.20% | ¥35,193 | ¥21,115,982 | ¥8,315,982 |
| 50 | 2.30% | ¥35,919 | ¥21,551,518 | ¥8,751,518 |
| 50 | 2.40% | ¥36,653 | ¥21,991,722 | ¥9,191,722 |
| 50 | 2.50% | ¥37,394 | ¥22,436,540 | ¥9,636,540 |
| 50 | 2.60% | ¥38,143 | ¥22,885,918 | ¥10,085,918 |
| 50 | 2.70% | ¥38,900 | ¥23,339,798 | ¥10,539,798 |
| 50 | 2.80% | ¥39,664 | ¥23,798,123 | ¥10,998,123 |
| 50 | 2.90% | ¥40,435 | ¥24,260,834 | ¥11,460,834 |
| 50 | 3.00% | ¥41,213 | ¥24,727,872 | ¥11,927,872 |
1280万円｜45年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 45 | 0.70% | ¥27,640 | ¥14,925,368 | ¥2,125,368 |
| 45 | 0.80% | ¥28,234 | ¥15,246,163 | ¥2,446,163 |
| 45 | 0.90% | ¥28,836 | ¥15,571,218 | ¥2,771,218 |
| 45 | 1.00% | ¥29,445 | ¥15,900,518 | ¥3,100,518 |
| 45 | 1.10% | ¥30,063 | ¥16,234,046 | ¥3,434,046 |
| 45 | 1.20% | ¥30,688 | ¥16,571,785 | ¥3,771,785 |
| 45 | 1.30% | ¥31,322 | ¥16,913,713 | ¥4,113,713 |
| 45 | 1.40% | ¥31,963 | ¥17,259,809 | ¥4,459,809 |
| 45 | 1.50% | ¥32,611 | ¥17,610,051 | ¥4,810,051 |
| 45 | 1.60% | ¥33,267 | ¥17,964,413 | ¥5,164,413 |
| 45 | 1.70% | ¥33,931 | ¥18,322,870 | ¥5,522,870 |
| 45 | 1.80% | ¥34,603 | ¥18,685,395 | ¥5,885,395 |
| 45 | 1.90% | ¥35,281 | ¥19,051,958 | ¥6,251,958 |
| 45 | 2.00% | ¥35,968 | ¥19,422,529 | ¥6,622,529 |
| 45 | 2.10% | ¥36,661 | ¥19,797,077 | ¥6,997,077 |
| 45 | 2.20% | ¥37,362 | ¥20,175,569 | ¥7,375,569 |
| 45 | 2.30% | ¥38,070 | ¥20,557,972 | ¥7,757,972 |
| 45 | 2.40% | ¥38,786 | ¥20,944,249 | ¥8,144,249 |
| 45 | 2.50% | ¥39,508 | ¥21,334,364 | ¥8,534,364 |
| 45 | 2.60% | ¥40,238 | ¥21,728,281 | ¥8,928,281 |
| 45 | 2.70% | ¥40,974 | ¥22,125,960 | ¥9,325,960 |
| 45 | 2.80% | ¥41,717 | ¥22,527,363 | ¥9,727,363 |
| 45 | 2.90% | ¥42,467 | ¥22,932,448 | ¥10,132,448 |
| 45 | 3.00% | ¥43,224 | ¥23,341,175 | ¥10,541,175 |
1280万円｜40年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 40 | 0.70% | ¥30,582 | ¥14,679,226 | ¥1,879,226 |
| 40 | 0.80% | ¥31,169 | ¥14,961,271 | ¥2,161,271 |
| 40 | 0.90% | ¥31,764 | ¥15,246,690 | ¥2,446,690 |
| 40 | 1.00% | ¥32,366 | ¥15,535,475 | ¥2,735,475 |
| 40 | 1.10% | ¥32,974 | ¥15,827,615 | ¥3,027,615 |
| 40 | 1.20% | ¥33,590 | ¥16,123,099 | ¥3,323,099 |
| 40 | 1.30% | ¥34,212 | ¥16,421,913 | ¥3,621,913 |
| 40 | 1.40% | ¥34,842 | ¥16,724,045 | ¥3,924,045 |
| 40 | 1.50% | ¥35,478 | ¥17,029,478 | ¥4,229,478 |
| 40 | 1.60% | ¥36,121 | ¥17,338,199 | ¥4,538,199 |
| 40 | 1.70% | ¥36,771 | ¥17,650,190 | ¥4,850,190 |
| 40 | 1.80% | ¥37,428 | ¥17,965,434 | ¥5,165,434 |
| 40 | 1.90% | ¥38,091 | ¥18,283,913 | ¥5,483,913 |
| 40 | 2.00% | ¥38,762 | ¥18,605,607 | ¥5,805,607 |
| 40 | 2.10% | ¥39,439 | ¥18,930,497 | ¥6,130,497 |
| 40 | 2.20% | ¥40,122 | ¥19,258,560 | ¥6,458,560 |
| 40 | 2.30% | ¥40,812 | ¥19,589,776 | ¥6,789,776 |
| 40 | 2.40% | ¥41,509 | ¥19,924,122 | ¥7,124,122 |
| 40 | 2.50% | ¥42,212 | ¥20,261,574 | ¥7,461,574 |
| 40 | 2.60% | ¥42,921 | ¥20,602,109 | ¥7,802,109 |
| 40 | 2.70% | ¥43,637 | ¥20,945,701 | ¥8,145,701 |
| 40 | 2.80% | ¥44,359 | ¥21,292,325 | ¥8,492,325 |
| 40 | 2.90% | ¥45,087 | ¥21,641,955 | ¥8,841,955 |
| 40 | 3.00% | ¥45,822 | ¥21,994,563 | ¥9,194,563 |
1280万円｜35年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 35 | 0.70% | ¥34,371 | ¥14,435,677 | ¥1,635,677 |
| 35 | 0.80% | ¥34,952 | ¥14,679,756 | ¥1,879,756 |
| 35 | 0.90% | ¥35,539 | ¥14,926,425 | ¥2,126,425 |
| 35 | 1.00% | ¥36,133 | ¥15,175,679 | ¥2,375,679 |
| 35 | 1.10% | ¥36,732 | ¥15,427,511 | ¥2,627,511 |
| 35 | 1.20% | ¥37,338 | ¥15,681,915 | ¥2,881,915 |
| 35 | 1.30% | ¥37,950 | ¥15,938,882 | ¥3,138,882 |
| 35 | 1.40% | ¥38,568 | ¥16,198,405 | ¥3,398,405 |
| 35 | 1.50% | ¥39,192 | ¥16,460,475 | ¥3,660,475 |
| 35 | 1.60% | ¥39,822 | ¥16,725,083 | ¥3,925,083 |
| 35 | 1.70% | ¥40,458 | ¥16,992,219 | ¥4,192,219 |
| 35 | 1.80% | ¥41,100 | ¥17,261,872 | ¥4,461,872 |
| 35 | 1.90% | ¥41,748 | ¥17,534,032 | ¥4,734,032 |
| 35 | 2.00% | ¥42,402 | ¥17,808,686 | ¥5,008,686 |
| 35 | 2.10% | ¥43,061 | ¥18,085,824 | ¥5,285,824 |
| 35 | 2.20% | ¥43,727 | ¥18,365,432 | ¥5,565,432 |
| 35 | 2.30% | ¥44,399 | ¥18,647,497 | ¥5,847,497 |
| 35 | 2.40% | ¥45,076 | ¥18,932,005 | ¥6,132,005 |
| 35 | 2.50% | ¥45,759 | ¥19,218,943 | ¥6,418,943 |
| 35 | 2.60% | ¥46,448 | ¥19,508,295 | ¥6,708,295 |
| 35 | 2.70% | ¥47,143 | ¥19,800,048 | ¥7,000,048 |
| 35 | 2.80% | ¥47,843 | ¥20,094,185 | ¥7,294,185 |
| 35 | 2.90% | ¥48,549 | ¥20,390,689 | ¥7,590,689 |
| 35 | 3.00% | ¥49,261 | ¥20,689,546 | ¥7,889,546 |
1280万円｜30年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 30 | 0.70% | ¥39,430 | ¥14,194,725 | ¥1,394,725 |
| 30 | 0.80% | ¥40,005 | ¥14,401,627 | ¥1,601,627 |
| 30 | 0.90% | ¥40,585 | ¥14,610,436 | ¥1,810,436 |
| 30 | 1.00% | ¥41,170 | ¥14,821,149 | ¥2,021,149 |
| 30 | 1.10% | ¥41,760 | ¥15,033,763 | ¥2,233,763 |
| 30 | 1.20% | ¥42,356 | ¥15,248,273 | ¥2,448,273 |
| 30 | 1.30% | ¥42,957 | ¥15,464,675 | ¥2,664,675 |
| 30 | 1.40% | ¥43,564 | ¥15,682,966 | ¥2,882,966 |
| 30 | 1.50% | ¥44,175 | ¥15,903,139 | ¥3,103,139 |
| 30 | 1.60% | ¥44,792 | ¥16,125,191 | ¥3,325,191 |
| 30 | 1.70% | ¥45,414 | ¥16,349,115 | ¥3,549,115 |
| 30 | 1.80% | ¥46,041 | ¥16,574,907 | ¥3,774,907 |
| 30 | 1.90% | ¥46,674 | ¥16,802,559 | ¥4,002,559 |
| 30 | 2.00% | ¥47,311 | ¥17,032,065 | ¥4,232,065 |
| 30 | 2.10% | ¥47,954 | ¥17,263,420 | ¥4,463,420 |
| 30 | 2.20% | ¥48,602 | ¥17,496,615 | ¥4,696,615 |
| 30 | 2.30% | ¥49,255 | ¥17,731,643 | ¥4,931,643 |
| 30 | 2.40% | ¥49,912 | ¥17,968,498 | ¥5,168,498 |
| 30 | 2.50% | ¥50,575 | ¥18,207,171 | ¥5,407,171 |
| 30 | 2.60% | ¥51,243 | ¥18,447,654 | ¥5,647,654 |
| 30 | 2.70% | ¥51,916 | ¥18,689,938 | ¥5,889,938 |
| 30 | 2.80% | ¥52,594 | ¥18,934,016 | ¥6,134,016 |
| 30 | 2.90% | ¥53,277 | ¥19,179,877 | ¥6,379,877 |
| 30 | 3.00% | ¥53,965 | ¥19,427,514 | ¥6,627,514 |
1280万円｜25年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 25 | 0.70% | ¥46,521 | ¥13,956,373 | ¥1,156,373 |
| 25 | 0.80% | ¥47,090 | ¥14,126,890 | ¥1,326,890 |
| 25 | 0.90% | ¥47,662 | ¥14,298,734 | ¥1,498,734 |
| 25 | 1.00% | ¥48,240 | ¥14,471,902 | ¥1,671,902 |
| 25 | 1.10% | ¥48,821 | ¥14,646,394 | ¥1,846,394 |
| 25 | 1.20% | ¥49,407 | ¥14,822,207 | ¥2,022,207 |
| 25 | 1.30% | ¥49,998 | ¥14,999,340 | ¥2,199,340 |
| 25 | 1.40% | ¥50,593 | ¥15,177,790 | ¥2,377,790 |
| 25 | 1.50% | ¥51,192 | ¥15,357,555 | ¥2,557,555 |
| 25 | 1.60% | ¥51,795 | ¥15,538,632 | ¥2,738,632 |
| 25 | 1.70% | ¥52,403 | ¥15,721,019 | ¥2,921,019 |
| 25 | 1.80% | ¥53,016 | ¥15,904,712 | ¥3,104,712 |
| 25 | 1.90% | ¥53,632 | ¥16,089,709 | ¥3,289,709 |
| 25 | 2.00% | ¥54,253 | ¥16,276,007 | ¥3,476,007 |
| 25 | 2.10% | ¥54,879 | ¥16,463,602 | ¥3,663,602 |
| 25 | 2.20% | ¥55,508 | ¥16,652,490 | ¥3,852,490 |
| 25 | 2.30% | ¥56,142 | ¥16,842,669 | ¥4,042,669 |
| 25 | 2.40% | ¥56,780 | ¥17,034,135 | ¥4,234,135 |
| 25 | 2.50% | ¥57,423 | ¥17,226,883 | ¥4,426,883 |
| 25 | 2.60% | ¥58,070 | ¥17,420,909 | ¥4,620,909 |
| 25 | 2.70% | ¥58,721 | ¥17,616,210 | ¥4,816,210 |
| 25 | 2.80% | ¥59,376 | ¥17,812,781 | ¥5,012,781 |
| 25 | 2.90% | ¥60,035 | ¥18,010,617 | ¥5,210,617 |
| 25 | 3.00% | ¥60,699 | ¥18,209,714 | ¥5,409,714 |
1280万円｜20年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 20 | 0.70% | ¥57,169 | ¥13,720,627 | ¥920,627 |
| 20 | 0.80% | ¥57,731 | ¥13,855,552 | ¥1,055,552 |
| 20 | 0.90% | ¥58,297 | ¥13,991,328 | ¥1,191,328 |
| 20 | 1.00% | ¥58,866 | ¥14,127,953 | ¥1,327,953 |
| 20 | 1.10% | ¥59,439 | ¥14,265,427 | ¥1,465,427 |
| 20 | 1.20% | ¥60,016 | ¥14,403,749 | ¥1,603,749 |
| 20 | 1.30% | ¥60,595 | ¥14,542,919 | ¥1,742,919 |
| 20 | 1.40% | ¥61,179 | ¥14,682,934 | ¥1,882,934 |
| 20 | 1.50% | ¥61,766 | ¥14,823,795 | ¥2,023,795 |
| 20 | 1.60% | ¥62,356 | ¥14,965,500 | ¥2,165,500 |
| 20 | 1.70% | ¥62,950 | ¥15,108,048 | ¥2,308,048 |
| 20 | 1.80% | ¥63,548 | ¥15,251,437 | ¥2,451,437 |
| 20 | 1.90% | ¥64,149 | ¥15,395,667 | ¥2,595,667 |
| 20 | 2.00% | ¥64,753 | ¥15,540,736 | ¥2,740,736 |
| 20 | 2.10% | ¥65,361 | ¥15,686,643 | ¥2,886,643 |
| 20 | 2.20% | ¥65,972 | ¥15,833,386 | ¥3,033,386 |
| 20 | 2.30% | ¥66,587 | ¥15,980,964 | ¥3,180,964 |
| 20 | 2.40% | ¥67,206 | ¥16,129,375 | ¥3,329,375 |
| 20 | 2.50% | ¥67,828 | ¥16,278,617 | ¥3,478,617 |
| 20 | 2.60% | ¥68,453 | ¥16,428,689 | ¥3,628,689 |
| 20 | 2.70% | ¥69,082 | ¥16,579,589 | ¥3,779,589 |
| 20 | 2.80% | ¥69,714 | ¥16,731,315 | ¥3,931,315 |
| 20 | 2.90% | ¥70,349 | ¥16,883,866 | ¥4,083,866 |
| 20 | 3.00% | ¥70,988 | ¥17,037,238 | ¥4,237,238 |
1280万円｜15年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 15 | 0.70% | ¥74,930 | ¥13,487,487 | ¥687,487 |
| 15 | 0.80% | ¥75,487 | ¥13,587,617 | ¥787,617 |
| 15 | 0.90% | ¥76,046 | ¥13,688,226 | ¥888,226 |
| 15 | 1.00% | ¥76,607 | ¥13,789,314 | ¥989,314 |
| 15 | 1.10% | ¥77,172 | ¥13,890,879 | ¥1,090,879 |
| 15 | 1.20% | ¥77,738 | ¥13,992,923 | ¥1,192,923 |
| 15 | 1.30% | ¥78,308 | ¥14,095,444 | ¥1,295,444 |
| 15 | 1.40% | ¥78,880 | ¥14,198,443 | ¥1,398,443 |
| 15 | 1.50% | ¥79,455 | ¥14,301,919 | ¥1,501,919 |
| 15 | 1.60% | ¥80,033 | ¥14,405,872 | ¥1,605,872 |
| 15 | 1.70% | ¥80,613 | ¥14,510,301 | ¥1,710,301 |
| 15 | 1.80% | ¥81,196 | ¥14,615,205 | ¥1,815,205 |
| 15 | 1.90% | ¥81,781 | ¥14,720,585 | ¥1,920,585 |
| 15 | 2.00% | ¥82,369 | ¥14,826,440 | ¥2,026,440 |
| 15 | 2.10% | ¥82,960 | ¥14,932,770 | ¥2,132,770 |
| 15 | 2.20% | ¥83,553 | ¥15,039,574 | ¥2,239,574 |
| 15 | 2.30% | ¥84,149 | ¥15,146,851 | ¥2,346,851 |
| 15 | 2.40% | ¥84,748 | ¥15,254,601 | ¥2,454,601 |
| 15 | 2.50% | ¥85,349 | ¥15,362,823 | ¥2,562,823 |
| 15 | 2.60% | ¥85,953 | ¥15,471,518 | ¥2,671,518 |
| 15 | 2.70% | ¥86,559 | ¥15,580,683 | ¥2,780,683 |
| 15 | 2.80% | ¥87,168 | ¥15,690,319 | ¥2,890,319 |
| 15 | 2.90% | ¥87,780 | ¥15,800,426 | ¥3,000,426 |
| 15 | 3.00% | ¥88,394 | ¥15,911,001 | ¥3,111,001 |
1280万円｜10年返済のローン
| 期間（年） | 金利 | 毎月返済額 | 総支払額 | 総金利額 |
| 10 | 0.70% | ¥110,475 | ¥13,256,958 | ¥456,958 |
| 10 | 0.80% | ¥111,026 | ¥13,323,090 | ¥523,090 |
| 10 | 0.90% | ¥111,579 | ¥13,389,435 | ¥589,435 |
| 10 | 1.00% | ¥112,133 | ¥13,455,993 | ¥655,993 |
| 10 | 1.10% | ¥112,690 | ¥13,522,764 | ¥722,764 |
| 10 | 1.20% | ¥113,248 | ¥13,589,748 | ¥789,748 |
| 10 | 1.30% | ¥113,808 | ¥13,656,944 | ¥856,944 |
| 10 | 1.40% | ¥114,370 | ¥13,724,353 | ¥924,353 |
| 10 | 1.50% | ¥114,933 | ¥13,791,974 | ¥991,974 |
| 10 | 1.60% | ¥115,498 | ¥13,859,808 | ¥1,059,808 |
| 10 | 1.70% | ¥116,065 | ¥13,927,855 | ¥1,127,855 |
| 10 | 1.80% | ¥116,634 | ¥13,996,113 | ¥1,196,113 |
| 10 | 1.90% | ¥117,205 | ¥14,064,584 | ¥1,264,584 |
| 10 | 2.00% | ¥117,777 | ¥14,133,267 | ¥1,333,267 |
| 10 | 2.10% | ¥118,351 | ¥14,202,161 | ¥1,402,161 |
| 10 | 2.20% | ¥118,927 | ¥14,271,268 | ¥1,471,268 |
| 10 | 2.30% | ¥119,505 | ¥14,340,586 | ¥1,540,586 |
| 10 | 2.40% | ¥120,084 | ¥14,410,116 | ¥1,610,116 |
| 10 | 2.50% | ¥120,665 | ¥14,479,857 | ¥1,679,857 |
| 10 | 2.60% | ¥121,248 | ¥14,549,809 | ¥1,749,809 |
| 10 | 2.70% | ¥121,833 | ¥14,619,973 | ¥1,819,973 |
| 10 | 2.80% | ¥122,420 | ¥14,690,348 | ¥1,890,348 |
| 10 | 2.90% | ¥123,008 | ¥14,760,934 | ¥1,960,934 |
| 10 | 3.00% | ¥123,598 | ¥14,831,730 | ¥2,031,730 |
