1640万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。1640万円の住宅ローンが、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。
1640万円の住宅ローン｜期間・年数別
1640万円｜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% | ¥32,403 | ¥19,441,810 | ¥3,041,810 |
| 50 | 0.80% | ¥33,172 | ¥19,903,480 | ¥3,503,480 |
| 50 | 0.90% | ¥33,953 | ¥20,371,867 | ¥3,971,867 |
| 50 | 1.00% | ¥34,745 | ¥20,846,943 | ¥4,446,943 |
| 50 | 1.10% | ¥35,548 | ¥21,328,676 | ¥4,928,676 |
| 50 | 1.20% | ¥36,362 | ¥21,817,030 | ¥5,417,030 |
| 50 | 1.30% | ¥37,187 | ¥22,311,967 | ¥5,911,967 |
| 50 | 1.40% | ¥38,022 | ¥22,813,445 | ¥6,413,445 |
| 50 | 1.50% | ¥38,869 | ¥23,321,419 | ¥6,921,419 |
| 50 | 1.60% | ¥39,726 | ¥23,835,843 | ¥7,435,843 |
| 50 | 1.70% | ¥40,594 | ¥24,356,667 | ¥7,956,667 |
| 50 | 1.80% | ¥41,473 | ¥24,883,838 | ¥8,483,838 |
| 50 | 1.90% | ¥42,362 | ¥25,417,301 | ¥9,017,301 |
| 50 | 2.00% | ¥43,262 | ¥25,956,998 | ¥9,556,998 |
| 50 | 2.10% | ¥44,171 | ¥26,502,869 | ¥10,102,869 |
| 50 | 2.20% | ¥45,091 | ¥27,054,852 | ¥10,654,852 |
| 50 | 2.30% | ¥46,021 | ¥27,612,883 | ¥11,212,883 |
| 50 | 2.40% | ¥46,961 | ¥28,176,894 | ¥11,776,894 |
| 50 | 2.50% | ¥47,911 | ¥28,746,817 | ¥12,346,817 |
| 50 | 2.60% | ¥48,871 | ¥29,322,582 | ¥12,922,582 |
| 50 | 2.70% | ¥49,840 | ¥29,904,116 | ¥13,504,116 |
| 50 | 2.80% | ¥50,819 | ¥30,491,345 | ¥14,091,345 |
| 50 | 2.90% | ¥51,807 | ¥31,084,194 | ¥14,684,194 |
| 50 | 3.00% | ¥52,804 | ¥31,682,586 | ¥15,282,586 |
1640万円｜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% | ¥35,413 | ¥19,123,127 | ¥2,723,127 |
| 45 | 0.80% | ¥36,174 | ¥19,534,146 | ¥3,134,146 |
| 45 | 0.90% | ¥36,946 | ¥19,950,623 | ¥3,550,623 |
| 45 | 1.00% | ¥37,727 | ¥20,372,539 | ¥3,972,539 |
| 45 | 1.10% | ¥38,518 | ¥20,799,872 | ¥4,399,872 |
| 45 | 1.20% | ¥39,320 | ¥21,232,599 | ¥4,832,599 |
| 45 | 1.30% | ¥40,131 | ¥21,670,694 | ¥5,270,694 |
| 45 | 1.40% | ¥40,952 | ¥22,114,130 | ¥5,714,130 |
| 45 | 1.50% | ¥41,783 | ¥22,562,877 | ¥6,162,877 |
| 45 | 1.60% | ¥42,624 | ¥23,016,904 | ¥6,616,904 |
| 45 | 1.70% | ¥43,474 | ¥23,476,178 | ¥7,076,178 |
| 45 | 1.80% | ¥44,335 | ¥23,940,662 | ¥7,540,662 |
| 45 | 1.90% | ¥45,204 | ¥24,410,321 | ¥8,010,321 |
| 45 | 2.00% | ¥46,084 | ¥24,885,116 | ¥8,485,116 |
| 45 | 2.10% | ¥46,972 | ¥25,365,005 | ¥8,965,005 |
| 45 | 2.20% | ¥47,870 | ¥25,849,948 | ¥9,449,948 |
| 45 | 2.30% | ¥48,778 | ¥26,339,901 | ¥9,939,901 |
| 45 | 2.40% | ¥49,694 | ¥26,834,819 | ¥10,434,819 |
| 45 | 2.50% | ¥50,620 | ¥27,334,654 | ¥10,934,654 |
| 45 | 2.60% | ¥51,554 | ¥27,839,360 | ¥11,439,360 |
| 45 | 2.70% | ¥52,498 | ¥28,348,886 | ¥11,948,886 |
| 45 | 2.80% | ¥53,450 | ¥28,863,183 | ¥12,463,183 |
| 45 | 2.90% | ¥54,411 | ¥29,382,199 | ¥12,982,199 |
| 45 | 3.00% | ¥55,381 | ¥29,905,880 | ¥13,505,880 |
1640万円｜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% | ¥39,183 | ¥18,807,759 | ¥2,407,759 |
| 40 | 0.80% | ¥39,936 | ¥19,169,128 | ¥2,769,128 |
| 40 | 0.90% | ¥40,698 | ¥19,534,822 | ¥3,134,822 |
| 40 | 1.00% | ¥41,468 | ¥19,904,828 | ¥3,504,828 |
| 40 | 1.10% | ¥42,248 | ¥20,279,132 | ¥3,879,132 |
| 40 | 1.20% | ¥43,037 | ¥20,657,721 | ¥4,257,721 |
| 40 | 1.30% | ¥43,835 | ¥21,040,576 | ¥4,640,576 |
| 40 | 1.40% | ¥44,641 | ¥21,427,682 | ¥5,027,682 |
| 40 | 1.50% | ¥45,456 | ¥21,819,019 | ¥5,419,019 |
| 40 | 1.60% | ¥46,280 | ¥22,214,568 | ¥5,814,568 |
| 40 | 1.70% | ¥47,113 | ¥22,614,306 | ¥6,214,306 |
| 40 | 1.80% | ¥47,955 | ¥23,018,213 | ¥6,618,213 |
| 40 | 1.90% | ¥48,805 | ¥23,426,264 | ¥7,026,264 |
| 40 | 2.00% | ¥49,663 | ¥23,838,434 | ¥7,438,434 |
| 40 | 2.10% | ¥50,531 | ¥24,254,699 | ¥7,854,699 |
| 40 | 2.20% | ¥51,406 | ¥24,675,030 | ¥8,275,030 |
| 40 | 2.30% | ¥52,290 | ¥25,099,401 | ¥8,699,401 |
| 40 | 2.40% | ¥53,183 | ¥25,527,781 | ¥9,127,781 |
| 40 | 2.50% | ¥54,084 | ¥25,960,142 | ¥9,560,142 |
| 40 | 2.60% | ¥54,993 | ¥26,396,452 | ¥9,996,452 |
| 40 | 2.70% | ¥55,910 | ¥26,836,679 | ¥10,436,679 |
| 40 | 2.80% | ¥56,835 | ¥27,280,791 | ¥10,880,791 |
| 40 | 2.90% | ¥57,768 | ¥27,728,754 | ¥11,328,754 |
| 40 | 3.00% | ¥58,709 | ¥28,180,534 | ¥11,780,534 |
1640万円｜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% | ¥44,037 | ¥18,495,711 | ¥2,095,711 |
| 35 | 0.80% | ¥44,782 | ¥18,808,437 | ¥2,408,437 |
| 35 | 0.90% | ¥45,534 | ¥19,124,482 | ¥2,724,482 |
| 35 | 1.00% | ¥46,295 | ¥19,443,839 | ¥3,043,839 |
| 35 | 1.10% | ¥47,063 | ¥19,766,499 | ¥3,366,499 |
| 35 | 1.20% | ¥47,839 | ¥20,092,453 | ¥3,692,453 |
| 35 | 1.30% | ¥48,623 | ¥20,421,693 | ¥4,021,693 |
| 35 | 1.40% | ¥49,415 | ¥20,754,207 | ¥4,354,207 |
| 35 | 1.50% | ¥50,214 | ¥21,089,984 | ¥4,689,984 |
| 35 | 1.60% | ¥51,021 | ¥21,429,013 | ¥5,029,013 |
| 35 | 1.70% | ¥51,836 | ¥21,771,281 | ¥5,371,281 |
| 35 | 1.80% | ¥52,659 | ¥22,116,774 | ¥5,716,774 |
| 35 | 1.90% | ¥53,489 | ¥22,465,478 | ¥6,065,478 |
| 35 | 2.00% | ¥54,327 | ¥22,817,380 | ¥6,417,380 |
| 35 | 2.10% | ¥55,173 | ¥23,172,462 | ¥6,772,462 |
| 35 | 2.20% | ¥56,025 | ¥23,530,709 | ¥7,130,709 |
| 35 | 2.30% | ¥56,886 | ¥23,892,105 | ¥7,492,105 |
| 35 | 2.40% | ¥57,754 | ¥24,256,631 | ¥7,856,631 |
| 35 | 2.50% | ¥58,629 | ¥24,624,270 | ¥8,224,270 |
| 35 | 2.60% | ¥59,512 | ¥24,995,004 | ¥8,595,004 |
| 35 | 2.70% | ¥60,402 | ¥25,368,811 | ¥8,968,811 |
| 35 | 2.80% | ¥61,299 | ¥25,745,674 | ¥9,345,674 |
| 35 | 2.90% | ¥62,204 | ¥26,125,571 | ¥9,725,571 |
| 35 | 3.00% | ¥63,115 | ¥26,508,481 | ¥10,108,481 |
1640万円｜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% | ¥50,519 | ¥18,186,991 | ¥1,786,991 |
| 30 | 0.80% | ¥51,256 | ¥18,452,084 | ¥2,052,084 |
| 30 | 0.90% | ¥51,999 | ¥18,719,621 | ¥2,319,621 |
| 30 | 1.00% | ¥52,749 | ¥18,989,597 | ¥2,589,597 |
| 30 | 1.10% | ¥53,506 | ¥19,262,008 | ¥2,862,008 |
| 30 | 1.20% | ¥54,269 | ¥19,536,849 | ¥3,136,849 |
| 30 | 1.30% | ¥55,039 | ¥19,814,115 | ¥3,414,115 |
| 30 | 1.40% | ¥55,816 | ¥20,093,800 | ¥3,693,800 |
| 30 | 1.50% | ¥56,600 | ¥20,375,897 | ¥3,975,897 |
| 30 | 1.60% | ¥57,390 | ¥20,660,401 | ¥4,260,401 |
| 30 | 1.70% | ¥58,187 | ¥20,947,304 | ¥4,547,304 |
| 30 | 1.80% | ¥58,991 | ¥21,236,599 | ¥4,836,599 |
| 30 | 1.90% | ¥59,801 | ¥21,528,278 | ¥5,128,278 |
| 30 | 2.00% | ¥60,618 | ¥21,822,334 | ¥5,422,334 |
| 30 | 2.10% | ¥61,441 | ¥22,118,756 | ¥5,718,756 |
| 30 | 2.20% | ¥62,271 | ¥22,417,538 | ¥6,017,538 |
| 30 | 2.30% | ¥63,107 | ¥22,718,668 | ¥6,318,668 |
| 30 | 2.40% | ¥63,950 | ¥23,022,138 | ¥6,622,138 |
| 30 | 2.50% | ¥64,800 | ¥23,327,938 | ¥6,927,938 |
| 30 | 2.60% | ¥65,656 | ¥23,636,057 | ¥7,236,057 |
| 30 | 2.70% | ¥66,518 | ¥23,946,484 | ¥7,546,484 |
| 30 | 2.80% | ¥67,387 | ¥24,259,208 | ¥7,859,208 |
| 30 | 2.90% | ¥68,262 | ¥24,574,218 | ¥8,174,218 |
| 30 | 3.00% | ¥69,143 | ¥24,891,502 | ¥8,491,502 |
1640万円｜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% | ¥59,605 | ¥17,881,604 | ¥1,481,604 |
| 25 | 0.80% | ¥60,334 | ¥18,100,078 | ¥1,700,078 |
| 25 | 0.90% | ¥61,068 | ¥18,320,253 | ¥1,920,253 |
| 25 | 1.00% | ¥61,807 | ¥18,542,125 | ¥2,142,125 |
| 25 | 1.10% | ¥62,552 | ¥18,765,692 | ¥2,365,692 |
| 25 | 1.20% | ¥63,303 | ¥18,990,953 | ¥2,590,953 |
| 25 | 1.30% | ¥64,060 | ¥19,217,905 | ¥2,817,905 |
| 25 | 1.40% | ¥64,822 | ¥19,446,544 | ¥3,046,544 |
| 25 | 1.50% | ¥65,590 | ¥19,676,867 | ¥3,276,867 |
| 25 | 1.60% | ¥66,363 | ¥19,908,872 | ¥3,508,872 |
| 25 | 1.70% | ¥67,142 | ¥20,142,555 | ¥3,742,555 |
| 25 | 1.80% | ¥67,926 | ¥20,377,912 | ¥3,977,912 |
| 25 | 1.90% | ¥68,716 | ¥20,614,940 | ¥4,214,940 |
| 25 | 2.00% | ¥69,512 | ¥20,853,633 | ¥4,453,633 |
| 25 | 2.10% | ¥70,313 | ¥21,093,989 | ¥4,693,989 |
| 25 | 2.20% | ¥71,120 | ¥21,336,003 | ¥4,936,003 |
| 25 | 2.30% | ¥71,932 | ¥21,579,670 | ¥5,179,670 |
| 25 | 2.40% | ¥72,750 | ¥21,824,985 | ¥5,424,985 |
| 25 | 2.50% | ¥73,573 | ¥22,071,943 | ¥5,671,943 |
| 25 | 2.60% | ¥74,402 | ¥22,320,540 | ¥5,920,540 |
| 25 | 2.70% | ¥75,236 | ¥22,570,769 | ¥6,170,769 |
| 25 | 2.80% | ¥76,075 | ¥22,822,625 | ¥6,422,625 |
| 25 | 2.90% | ¥76,920 | ¥23,076,103 | ¥6,676,103 |
| 25 | 3.00% | ¥77,771 | ¥23,331,197 | ¥6,931,197 |
1640万円｜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% | ¥73,248 | ¥17,579,553 | ¥1,179,553 |
| 20 | 0.80% | ¥73,968 | ¥17,752,426 | ¥1,352,426 |
| 20 | 0.90% | ¥74,693 | ¥17,926,389 | ¥1,526,389 |
| 20 | 1.00% | ¥75,423 | ¥18,101,440 | ¥1,701,440 |
| 20 | 1.10% | ¥76,157 | ¥18,277,579 | ¥1,877,579 |
| 20 | 1.20% | ¥76,895 | ¥18,454,804 | ¥2,054,804 |
| 20 | 1.30% | ¥77,638 | ¥18,633,115 | ¥2,233,115 |
| 20 | 1.40% | ¥78,385 | ¥18,812,510 | ¥2,412,510 |
| 20 | 1.50% | ¥79,137 | ¥18,992,987 | ¥2,592,987 |
| 20 | 1.60% | ¥79,894 | ¥19,174,547 | ¥2,774,547 |
| 20 | 1.70% | ¥80,655 | ¥19,357,186 | ¥2,957,186 |
| 20 | 1.80% | ¥81,420 | ¥19,540,904 | ¥3,140,904 |
| 20 | 1.90% | ¥82,190 | ¥19,725,698 | ¥3,325,698 |
| 20 | 2.00% | ¥82,965 | ¥19,911,568 | ¥3,511,568 |
| 20 | 2.10% | ¥83,744 | ¥20,098,511 | ¥3,698,511 |
| 20 | 2.20% | ¥84,527 | ¥20,286,526 | ¥3,886,526 |
| 20 | 2.30% | ¥85,315 | ¥20,475,610 | ¥4,075,610 |
| 20 | 2.40% | ¥86,107 | ¥20,665,761 | ¥4,265,761 |
| 20 | 2.50% | ¥86,904 | ¥20,856,978 | ¥4,456,978 |
| 20 | 2.60% | ¥87,705 | ¥21,049,258 | ¥4,649,258 |
| 20 | 2.70% | ¥88,511 | ¥21,242,598 | ¥4,842,598 |
| 20 | 2.80% | ¥89,321 | ¥21,436,998 | ¥5,036,998 |
| 20 | 2.90% | ¥90,135 | ¥21,632,453 | ¥5,232,453 |
| 20 | 3.00% | ¥90,954 | ¥21,828,961 | ¥5,428,961 |
1640万円｜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% | ¥96,005 | ¥17,280,843 | ¥880,843 |
| 15 | 0.80% | ¥96,717 | ¥17,409,135 | ¥1,009,135 |
| 15 | 0.90% | ¥97,434 | ¥17,538,040 | ¥1,138,040 |
| 15 | 1.00% | ¥98,153 | ¥17,667,558 | ¥1,267,558 |
| 15 | 1.10% | ¥98,876 | ¥17,797,689 | ¥1,397,689 |
| 15 | 1.20% | ¥99,602 | ¥17,928,433 | ¥1,528,433 |
| 15 | 1.30% | ¥100,332 | ¥18,059,788 | ¥1,659,788 |
| 15 | 1.40% | ¥101,065 | ¥18,191,756 | ¥1,791,756 |
| 15 | 1.50% | ¥101,802 | ¥18,324,334 | ¥1,924,334 |
| 15 | 1.60% | ¥102,542 | ¥18,457,523 | ¥2,057,523 |
| 15 | 1.70% | ¥103,285 | ¥18,591,323 | ¥2,191,323 |
| 15 | 1.80% | ¥104,032 | ¥18,725,732 | ¥2,325,732 |
| 15 | 1.90% | ¥104,782 | ¥18,860,750 | ¥2,460,750 |
| 15 | 2.00% | ¥105,535 | ¥18,996,377 | ¥2,596,377 |
| 15 | 2.10% | ¥106,292 | ¥19,132,612 | ¥2,732,612 |
| 15 | 2.20% | ¥107,053 | ¥19,269,454 | ¥2,869,454 |
| 15 | 2.30% | ¥107,816 | ¥19,406,903 | ¥3,006,903 |
| 15 | 2.40% | ¥108,583 | ¥19,544,957 | ¥3,144,957 |
| 15 | 2.50% | ¥109,353 | ¥19,683,617 | ¥3,283,617 |
| 15 | 2.60% | ¥110,127 | ¥19,822,882 | ¥3,422,882 |
| 15 | 2.70% | ¥110,904 | ¥19,962,750 | ¥3,562,750 |
| 15 | 2.80% | ¥111,685 | ¥20,103,222 | ¥3,703,222 |
| 15 | 2.90% | ¥112,468 | ¥20,244,295 | ¥3,844,295 |
| 15 | 3.00% | ¥113,255 | ¥20,385,970 | ¥3,985,970 |
1640万円｜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% | ¥141,546 | ¥16,985,477 | ¥585,477 |
| 10 | 0.80% | ¥142,252 | ¥17,070,209 | ¥670,209 |
| 10 | 0.90% | ¥142,960 | ¥17,155,214 | ¥755,214 |
| 10 | 1.00% | ¥143,671 | ¥17,240,491 | ¥840,491 |
| 10 | 1.10% | ¥144,384 | ¥17,326,041 | ¥926,041 |
| 10 | 1.20% | ¥145,099 | ¥17,411,864 | ¥1,011,864 |
| 10 | 1.30% | ¥145,816 | ¥17,497,959 | ¥1,097,959 |
| 10 | 1.40% | ¥146,536 | ¥17,584,327 | ¥1,184,327 |
| 10 | 1.50% | ¥147,258 | ¥17,670,967 | ¥1,270,967 |
| 10 | 1.60% | ¥147,982 | ¥17,757,879 | ¥1,357,879 |
| 10 | 1.70% | ¥148,709 | ¥17,845,064 | ¥1,445,064 |
| 10 | 1.80% | ¥149,438 | ¥17,932,520 | ¥1,532,520 |
| 10 | 1.90% | ¥150,169 | ¥18,020,248 | ¥1,620,248 |
| 10 | 2.00% | ¥150,902 | ¥18,108,248 | ¥1,708,248 |
| 10 | 2.10% | ¥151,638 | ¥18,196,519 | ¥1,796,519 |
| 10 | 2.20% | ¥152,376 | ¥18,285,062 | ¥1,885,062 |
| 10 | 2.30% | ¥153,116 | ¥18,373,876 | ¥1,973,876 |
| 10 | 2.40% | ¥153,858 | ¥18,462,961 | ¥2,062,961 |
| 10 | 2.50% | ¥154,603 | ¥18,552,317 | ¥2,152,317 |
| 10 | 2.60% | ¥155,350 | ¥18,641,943 | ¥2,241,943 |
| 10 | 2.70% | ¥156,099 | ¥18,731,841 | ¥2,331,841 |
| 10 | 2.80% | ¥156,850 | ¥18,822,009 | ¥2,422,009 |
| 10 | 2.90% | ¥157,604 | ¥18,912,447 | ¥2,512,447 |
| 10 | 3.00% | ¥158,360 | ¥19,003,155 | ¥2,603,155 |
