2020万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。2020万円の住宅ローンが、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。
2020万円の住宅ローン｜期間・年数別
2020万円｜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% | ¥39,911 | ¥23,946,620 | ¥3,746,620 |
| 50 | 0.80% | ¥40,859 | ¥24,515,261 | ¥4,315,261 |
| 50 | 0.90% | ¥41,820 | ¥25,092,178 | ¥4,892,178 |
| 50 | 1.00% | ¥42,796 | ¥25,677,333 | ¥5,477,333 |
| 50 | 1.10% | ¥43,784 | ¥26,270,687 | ¥6,070,687 |
| 50 | 1.20% | ¥44,787 | ¥26,872,196 | ¥6,672,196 |
| 50 | 1.30% | ¥45,803 | ¥27,481,813 | ¥7,281,813 |
| 50 | 1.40% | ¥46,832 | ¥28,099,487 | ¥7,899,487 |
| 50 | 1.50% | ¥47,875 | ¥28,725,163 | ¥8,525,163 |
| 50 | 1.60% | ¥48,931 | ¥29,358,783 | ¥9,158,783 |
| 50 | 1.70% | ¥50,000 | ¥30,000,285 | ¥9,800,285 |
| 50 | 1.80% | ¥51,083 | ¥30,649,605 | ¥10,449,605 |
| 50 | 1.90% | ¥52,178 | ¥31,306,675 | ¥11,106,675 |
| 50 | 2.00% | ¥53,286 | ¥31,971,424 | ¥11,771,424 |
| 50 | 2.10% | ¥54,406 | ¥32,643,778 | ¥12,443,778 |
| 50 | 2.20% | ¥55,539 | ¥33,323,660 | ¥13,123,660 |
| 50 | 2.30% | ¥56,685 | ¥34,010,990 | ¥13,810,990 |
| 50 | 2.40% | ¥57,843 | ¥34,705,686 | ¥14,505,686 |
| 50 | 2.50% | ¥59,013 | ¥35,407,665 | ¥15,207,665 |
| 50 | 2.60% | ¥60,195 | ¥36,116,839 | ¥15,916,839 |
| 50 | 2.70% | ¥61,389 | ¥36,833,118 | ¥16,633,118 |
| 50 | 2.80% | ¥62,594 | ¥37,556,413 | ¥17,356,413 |
| 50 | 2.90% | ¥63,811 | ¥38,286,629 | ¥18,086,629 |
| 50 | 3.00% | ¥65,039 | ¥39,023,673 | ¥18,823,673 |
2020万円｜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% | ¥43,619 | ¥23,554,096 | ¥3,354,096 |
| 45 | 0.80% | ¥44,556 | ¥24,060,351 | ¥3,860,351 |
| 45 | 0.90% | ¥45,506 | ¥24,573,328 | ¥4,373,328 |
| 45 | 1.00% | ¥46,469 | ¥25,093,005 | ¥4,893,005 |
| 45 | 1.10% | ¥47,443 | ¥25,619,354 | ¥5,419,354 |
| 45 | 1.20% | ¥48,430 | ¥26,152,347 | ¥5,952,347 |
| 45 | 1.30% | ¥49,430 | ¥26,691,953 | ¥6,491,953 |
| 45 | 1.40% | ¥50,441 | ¥27,238,136 | ¥7,038,136 |
| 45 | 1.50% | ¥51,465 | ¥27,790,861 | ¥7,590,861 |
| 45 | 1.60% | ¥52,500 | ¥28,350,089 | ¥8,150,089 |
| 45 | 1.70% | ¥53,548 | ¥28,915,780 | ¥8,715,780 |
| 45 | 1.80% | ¥54,607 | ¥29,487,889 | ¥9,287,889 |
| 45 | 1.90% | ¥55,678 | ¥30,066,371 | ¥9,866,371 |
| 45 | 2.00% | ¥56,761 | ¥30,651,179 | ¥10,451,179 |
| 45 | 2.10% | ¥57,856 | ¥31,242,263 | ¥11,042,263 |
| 45 | 2.20% | ¥58,962 | ¥31,839,570 | ¥11,639,570 |
| 45 | 2.30% | ¥60,080 | ¥32,443,049 | ¥12,243,049 |
| 45 | 2.40% | ¥61,209 | ¥33,052,642 | ¥12,852,642 |
| 45 | 2.50% | ¥62,349 | ¥33,668,293 | ¥13,468,293 |
| 45 | 2.60% | ¥63,500 | ¥34,289,943 | ¥14,089,943 |
| 45 | 2.70% | ¥64,662 | ¥34,917,531 | ¥14,717,531 |
| 45 | 2.80% | ¥65,835 | ¥35,550,994 | ¥15,350,994 |
| 45 | 2.90% | ¥67,019 | ¥36,190,270 | ¥15,990,270 |
| 45 | 3.00% | ¥68,214 | ¥36,835,292 | ¥16,635,292 |
2020万円｜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% | ¥48,262 | ¥23,165,654 | ¥2,965,654 |
| 40 | 0.80% | ¥49,189 | ¥23,610,755 | ¥3,410,755 |
| 40 | 0.90% | ¥50,127 | ¥24,061,183 | ¥3,861,183 |
| 40 | 1.00% | ¥51,077 | ¥24,516,922 | ¥4,316,922 |
| 40 | 1.10% | ¥52,037 | ¥24,977,956 | ¥4,777,956 |
| 40 | 1.20% | ¥53,009 | ¥25,444,266 | ¥5,244,266 |
| 40 | 1.30% | ¥53,991 | ¥25,915,832 | ¥5,715,832 |
| 40 | 1.40% | ¥54,985 | ¥26,392,633 | ¥6,192,633 |
| 40 | 1.50% | ¥55,989 | ¥26,874,646 | ¥6,674,646 |
| 40 | 1.60% | ¥57,004 | ¥27,361,846 | ¥7,161,846 |
| 40 | 1.70% | ¥58,030 | ¥27,854,207 | ¥7,654,207 |
| 40 | 1.80% | ¥59,066 | ¥28,351,701 | ¥8,151,701 |
| 40 | 1.90% | ¥60,113 | ¥28,854,300 | ¥8,654,300 |
| 40 | 2.00% | ¥61,171 | ¥29,361,974 | ¥9,161,974 |
| 40 | 2.10% | ¥62,239 | ¥29,874,690 | ¥9,674,690 |
| 40 | 2.20% | ¥63,318 | ¥30,392,415 | ¥10,192,415 |
| 40 | 2.30% | ¥64,406 | ¥30,915,115 | ¥10,715,115 |
| 40 | 2.40% | ¥65,506 | ¥31,442,755 | ¥11,242,755 |
| 40 | 2.50% | ¥66,615 | ¥31,975,297 | ¥11,775,297 |
| 40 | 2.60% | ¥67,735 | ¥32,512,703 | ¥12,312,703 |
| 40 | 2.70% | ¥68,864 | ¥33,054,934 | ¥12,854,934 |
| 40 | 2.80% | ¥70,004 | ¥33,601,950 | ¥13,401,950 |
| 40 | 2.90% | ¥71,154 | ¥34,153,710 | ¥13,953,710 |
| 40 | 3.00% | ¥72,313 | ¥34,710,170 | ¥14,510,170 |
2020万円｜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% | ¥54,241 | ¥22,781,303 | ¥2,581,303 |
| 35 | 0.80% | ¥55,158 | ¥23,166,490 | ¥2,966,490 |
| 35 | 0.90% | ¥56,085 | ¥23,555,765 | ¥3,355,765 |
| 35 | 1.00% | ¥57,022 | ¥23,949,119 | ¥3,749,119 |
| 35 | 1.10% | ¥57,968 | ¥24,346,541 | ¥4,146,541 |
| 35 | 1.20% | ¥58,924 | ¥24,748,022 | ¥4,548,022 |
| 35 | 1.30% | ¥59,889 | ¥25,153,549 | ¥4,953,549 |
| 35 | 1.40% | ¥60,865 | ¥25,563,108 | ¥5,363,108 |
| 35 | 1.50% | ¥61,849 | ¥25,976,688 | ¥5,776,688 |
| 35 | 1.60% | ¥62,844 | ¥26,394,272 | ¥6,194,272 |
| 35 | 1.70% | ¥63,847 | ¥26,815,846 | ¥6,615,846 |
| 35 | 1.80% | ¥64,860 | ¥27,241,392 | ¥7,041,392 |
| 35 | 1.90% | ¥65,883 | ¥27,670,894 | ¥7,470,894 |
| 35 | 2.00% | ¥66,915 | ¥28,104,333 | ¥7,904,333 |
| 35 | 2.10% | ¥67,956 | ¥28,541,691 | ¥8,341,691 |
| 35 | 2.20% | ¥69,007 | ¥28,982,947 | ¥8,782,947 |
| 35 | 2.30% | ¥70,067 | ¥29,428,080 | ¥9,228,080 |
| 35 | 2.40% | ¥71,136 | ¥29,877,070 | ¥9,677,070 |
| 35 | 2.50% | ¥72,214 | ¥30,329,894 | ¥10,129,894 |
| 35 | 2.60% | ¥73,301 | ¥30,786,529 | ¥10,586,529 |
| 35 | 2.70% | ¥74,398 | ¥31,246,951 | ¥11,046,951 |
| 35 | 2.80% | ¥75,503 | ¥31,711,135 | ¥11,511,135 |
| 35 | 2.90% | ¥76,617 | ¥32,179,057 | ¥11,979,057 |
| 35 | 3.00% | ¥77,740 | ¥32,650,690 | ¥12,450,690 |
2020万円｜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% | ¥62,225 | ¥22,401,050 | ¥2,201,050 |
| 30 | 0.80% | ¥63,132 | ¥22,727,567 | ¥2,527,567 |
| 30 | 0.90% | ¥64,047 | ¥23,057,094 | ¥2,857,094 |
| 30 | 1.00% | ¥64,971 | ¥23,389,626 | ¥3,189,626 |
| 30 | 1.10% | ¥65,903 | ¥23,725,157 | ¥3,525,157 |
| 30 | 1.20% | ¥66,844 | ¥24,063,680 | ¥3,863,680 |
| 30 | 1.30% | ¥67,792 | ¥24,405,190 | ¥4,205,190 |
| 30 | 1.40% | ¥68,749 | ¥24,749,680 | ¥4,549,680 |
| 30 | 1.50% | ¥69,714 | ¥25,097,142 | ¥4,897,142 |
| 30 | 1.60% | ¥70,688 | ¥25,447,567 | ¥5,247,567 |
| 30 | 1.70% | ¥71,669 | ¥25,800,948 | ¥5,600,948 |
| 30 | 1.80% | ¥72,659 | ¥26,157,275 | ¥5,957,275 |
| 30 | 1.90% | ¥73,657 | ¥26,516,538 | ¥6,316,538 |
| 30 | 2.00% | ¥74,663 | ¥26,878,728 | ¥6,678,728 |
| 30 | 2.10% | ¥75,677 | ¥27,243,834 | ¥7,043,834 |
| 30 | 2.20% | ¥76,700 | ¥27,611,845 | ¥7,411,845 |
| 30 | 2.30% | ¥77,730 | ¥27,982,750 | ¥7,782,750 |
| 30 | 2.40% | ¥78,768 | ¥28,356,536 | ¥8,156,536 |
| 30 | 2.50% | ¥79,814 | ¥28,733,192 | ¥8,533,192 |
| 30 | 2.60% | ¥80,869 | ¥29,112,704 | ¥8,912,704 |
| 30 | 2.70% | ¥81,931 | ¥29,495,059 | ¥9,295,059 |
| 30 | 2.80% | ¥83,001 | ¥29,880,244 | ¥9,680,244 |
| 30 | 2.90% | ¥84,078 | ¥30,268,244 | ¥10,068,244 |
| 30 | 3.00% | ¥85,164 | ¥30,659,045 | ¥10,459,045 |
2020万円｜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% | ¥73,416 | ¥22,024,902 | ¥1,824,902 |
| 25 | 0.80% | ¥74,313 | ¥22,293,999 | ¥2,093,999 |
| 25 | 0.90% | ¥75,217 | ¥22,565,189 | ¥2,365,189 |
| 25 | 1.00% | ¥76,128 | ¥22,838,471 | ¥2,638,471 |
| 25 | 1.10% | ¥77,046 | ¥23,113,841 | ¥2,913,841 |
| 25 | 1.20% | ¥77,971 | ¥23,391,296 | ¥3,191,296 |
| 25 | 1.30% | ¥78,903 | ¥23,670,834 | ¥3,470,834 |
| 25 | 1.40% | ¥79,842 | ¥23,952,450 | ¥3,752,450 |
| 25 | 1.50% | ¥80,787 | ¥24,236,141 | ¥4,036,141 |
| 25 | 1.60% | ¥81,740 | ¥24,521,904 | ¥4,321,904 |
| 25 | 1.70% | ¥82,699 | ¥24,809,732 | ¥4,609,732 |
| 25 | 1.80% | ¥83,665 | ¥25,099,623 | ¥4,899,623 |
| 25 | 1.90% | ¥84,639 | ¥25,391,572 | ¥5,191,572 |
| 25 | 2.00% | ¥85,619 | ¥25,685,573 | ¥5,485,573 |
| 25 | 2.10% | ¥86,605 | ¥25,981,621 | ¥5,781,621 |
| 25 | 2.20% | ¥87,599 | ¥26,279,711 | ¥6,079,711 |
| 25 | 2.30% | ¥88,599 | ¥26,579,837 | ¥6,379,837 |
| 25 | 2.40% | ¥89,607 | ¥26,881,994 | ¥6,681,994 |
| 25 | 2.50% | ¥90,621 | ¥27,186,174 | ¥6,986,174 |
| 25 | 2.60% | ¥91,641 | ¥27,492,372 | ¥7,292,372 |
| 25 | 2.70% | ¥92,669 | ¥27,800,581 | ¥7,600,581 |
| 25 | 2.80% | ¥93,703 | ¥28,110,795 | ¥7,910,795 |
| 25 | 2.90% | ¥94,743 | ¥28,423,005 | ¥8,223,005 |
| 25 | 3.00% | ¥95,791 | ¥28,737,206 | ¥8,537,206 |
2020万円｜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% | ¥90,220 | ¥21,652,864 | ¥1,452,864 |
| 20 | 0.80% | ¥91,107 | ¥21,865,793 | ¥1,665,793 |
| 20 | 0.90% | ¥92,000 | ¥22,080,064 | ¥1,880,064 |
| 20 | 1.00% | ¥92,899 | ¥22,295,676 | ¥2,095,676 |
| 20 | 1.10% | ¥93,803 | ¥22,512,627 | ¥2,312,627 |
| 20 | 1.20% | ¥94,712 | ¥22,730,917 | ¥2,530,917 |
| 20 | 1.30% | ¥95,627 | ¥22,950,544 | ¥2,750,544 |
| 20 | 1.40% | ¥96,548 | ¥23,171,506 | ¥2,971,506 |
| 20 | 1.50% | ¥97,474 | ¥23,393,801 | ¥3,193,801 |
| 20 | 1.60% | ¥98,406 | ¥23,617,429 | ¥3,417,429 |
| 20 | 1.70% | ¥99,343 | ¥23,842,387 | ¥3,642,387 |
| 20 | 1.80% | ¥100,286 | ¥24,068,674 | ¥3,868,674 |
| 20 | 1.90% | ¥101,235 | ¥24,296,287 | ¥4,096,287 |
| 20 | 2.00% | ¥102,188 | ¥24,525,224 | ¥4,325,224 |
| 20 | 2.10% | ¥103,148 | ¥24,755,483 | ¥4,555,483 |
| 20 | 2.20% | ¥104,113 | ¥24,987,062 | ¥4,787,062 |
| 20 | 2.30% | ¥105,083 | ¥25,219,958 | ¥5,019,958 |
| 20 | 2.40% | ¥106,059 | ¥25,454,169 | ¥5,254,169 |
| 20 | 2.50% | ¥107,040 | ¥25,689,692 | ¥5,489,692 |
| 20 | 2.60% | ¥108,027 | ¥25,926,525 | ¥5,726,525 |
| 20 | 2.70% | ¥109,019 | ¥26,164,664 | ¥5,964,664 |
| 20 | 2.80% | ¥110,017 | ¥26,404,107 | ¥6,204,107 |
| 20 | 2.90% | ¥111,020 | ¥26,644,850 | ¥6,444,850 |
| 20 | 3.00% | ¥112,029 | ¥26,886,892 | ¥6,686,892 |
2020万円｜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% | ¥118,250 | ¥21,284,941 | ¥1,084,941 |
| 15 | 0.80% | ¥119,128 | ¥21,442,959 | ¥1,242,959 |
| 15 | 0.90% | ¥120,010 | ¥21,601,732 | ¥1,401,732 |
| 15 | 1.00% | ¥120,896 | ¥21,761,261 | ¥1,561,261 |
| 15 | 1.10% | ¥121,786 | ¥21,921,544 | ¥1,721,544 |
| 15 | 1.20% | ¥122,681 | ¥22,082,582 | ¥1,882,582 |
| 15 | 1.30% | ¥123,580 | ¥22,244,373 | ¥2,044,373 |
| 15 | 1.40% | ¥124,483 | ¥22,406,918 | ¥2,206,918 |
| 15 | 1.50% | ¥125,390 | ¥22,570,216 | ¥2,370,216 |
| 15 | 1.60% | ¥126,301 | ¥22,734,266 | ¥2,534,266 |
| 15 | 1.70% | ¥127,217 | ¥22,899,068 | ¥2,699,068 |
| 15 | 1.80% | ¥128,137 | ¥23,064,621 | ¥2,864,621 |
| 15 | 1.90% | ¥129,061 | ¥23,230,924 | ¥3,030,924 |
| 15 | 2.00% | ¥129,989 | ¥23,397,976 | ¥3,197,976 |
| 15 | 2.10% | ¥130,921 | ¥23,565,778 | ¥3,365,778 |
| 15 | 2.20% | ¥131,857 | ¥23,734,327 | ¥3,534,327 |
| 15 | 2.30% | ¥132,798 | ¥23,903,624 | ¥3,703,624 |
| 15 | 2.40% | ¥133,743 | ¥24,073,667 | ¥3,873,667 |
| 15 | 2.50% | ¥134,691 | ¥24,244,456 | ¥4,044,456 |
| 15 | 2.60% | ¥135,644 | ¥24,415,989 | ¥4,215,989 |
| 15 | 2.70% | ¥136,601 | ¥24,588,266 | ¥4,388,266 |
| 15 | 2.80% | ¥137,563 | ¥24,761,285 | ¥4,561,285 |
| 15 | 2.90% | ¥138,528 | ¥24,935,047 | ¥4,735,047 |
| 15 | 3.00% | ¥139,497 | ¥25,109,548 | ¥4,909,548 |
2020万円｜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% | ¥174,343 | ¥20,921,136 | ¥721,136 |
| 10 | 0.80% | ¥175,213 | ¥21,025,501 | ¥825,501 |
| 10 | 0.90% | ¥176,085 | ¥21,130,202 | ¥930,202 |
| 10 | 1.00% | ¥176,960 | ¥21,235,239 | ¥1,035,239 |
| 10 | 1.10% | ¥177,838 | ¥21,340,612 | ¥1,140,612 |
| 10 | 1.20% | ¥178,719 | ¥21,446,320 | ¥1,246,320 |
| 10 | 1.30% | ¥179,603 | ¥21,552,365 | ¥1,352,365 |
| 10 | 1.40% | ¥180,490 | ¥21,658,744 | ¥1,458,744 |
| 10 | 1.50% | ¥181,379 | ¥21,765,460 | ¥1,565,460 |
| 10 | 1.60% | ¥182,271 | ¥21,872,510 | ¥1,672,510 |
| 10 | 1.70% | ¥183,166 | ¥21,979,895 | ¥1,779,895 |
| 10 | 1.80% | ¥184,063 | ¥22,087,616 | ¥1,887,616 |
| 10 | 1.90% | ¥184,964 | ¥22,195,671 | ¥1,995,671 |
| 10 | 2.00% | ¥185,867 | ¥22,304,061 | ¥2,104,061 |
| 10 | 2.10% | ¥186,773 | ¥22,412,786 | ¥2,212,786 |
| 10 | 2.20% | ¥187,682 | ¥22,521,844 | ¥2,321,844 |
| 10 | 2.30% | ¥188,594 | ¥22,631,237 | ¥2,431,237 |
| 10 | 2.40% | ¥189,508 | ¥22,740,964 | ¥2,540,964 |
| 10 | 2.50% | ¥190,425 | ¥22,851,024 | ¥2,651,024 |
| 10 | 2.60% | ¥191,345 | ¥22,961,418 | ¥2,761,418 |
| 10 | 2.70% | ¥192,268 | ¥23,072,145 | ¥2,872,145 |
| 10 | 2.80% | ¥193,193 | ¥23,183,206 | ¥2,983,206 |
| 10 | 2.90% | ¥194,122 | ¥23,294,599 | ¥3,094,599 |
| 10 | 3.00% | ¥195,053 | ¥23,406,325 | ¥3,206,325 |
