2040万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。2040万円の住宅ローンが、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。
2040万円の住宅ローン｜期間・年数別
2040万円｜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% | ¥40,306 | ¥24,183,715 | ¥3,783,715 |
| 50 | 0.80% | ¥41,263 | ¥24,757,987 | ¥4,357,987 |
| 50 | 0.90% | ¥42,234 | ¥25,340,615 | ¥4,940,615 |
| 50 | 1.00% | ¥43,219 | ¥25,931,564 | ¥5,531,564 |
| 50 | 1.10% | ¥44,218 | ¥26,530,792 | ¥6,130,792 |
| 50 | 1.20% | ¥45,230 | ¥27,138,257 | ¥6,738,257 |
| 50 | 1.30% | ¥46,257 | ¥27,753,910 | ¥7,353,910 |
| 50 | 1.40% | ¥47,296 | ¥28,377,699 | ¥7,977,699 |
| 50 | 1.50% | ¥48,349 | ¥29,009,570 | ¥8,609,570 |
| 50 | 1.60% | ¥49,416 | ¥29,649,464 | ¥9,249,464 |
| 50 | 1.70% | ¥50,496 | ¥30,297,318 | ¥9,897,318 |
| 50 | 1.80% | ¥51,588 | ¥30,953,067 | ¥10,553,067 |
| 50 | 1.90% | ¥52,694 | ¥31,616,642 | ¥11,216,642 |
| 50 | 2.00% | ¥53,813 | ¥32,287,973 | ¥11,887,973 |
| 50 | 2.10% | ¥54,945 | ¥32,966,984 | ¥12,566,984 |
| 50 | 2.20% | ¥56,089 | ¥33,653,597 | ¥13,253,597 |
| 50 | 2.30% | ¥57,246 | ¥34,347,732 | ¥13,947,732 |
| 50 | 2.40% | ¥58,416 | ¥35,049,307 | ¥14,649,307 |
| 50 | 2.50% | ¥59,597 | ¥35,758,236 | ¥15,358,236 |
| 50 | 2.60% | ¥60,791 | ¥36,474,431 | ¥16,074,431 |
| 50 | 2.70% | ¥61,996 | ¥37,197,803 | ¥16,797,803 |
| 50 | 2.80% | ¥63,214 | ¥37,928,259 | ¥17,528,259 |
| 50 | 2.90% | ¥64,443 | ¥38,665,705 | ¥18,265,705 |
| 50 | 3.00% | ¥65,683 | ¥39,410,046 | ¥19,010,046 |
2040万円｜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% | ¥44,051 | ¥23,787,305 | ¥3,387,305 |
| 45 | 0.80% | ¥44,997 | ¥24,298,572 | ¥3,898,572 |
| 45 | 0.90% | ¥45,957 | ¥24,816,629 | ¥4,416,629 |
| 45 | 1.00% | ¥46,929 | ¥25,341,451 | ¥4,941,451 |
| 45 | 1.10% | ¥47,913 | ¥25,873,011 | ¥5,473,011 |
| 45 | 1.20% | ¥48,910 | ¥26,411,282 | ¥6,011,282 |
| 45 | 1.30% | ¥49,919 | ¥26,956,229 | ¥6,556,229 |
| 45 | 1.40% | ¥50,940 | ¥27,507,821 | ¥7,107,821 |
| 45 | 1.50% | ¥51,974 | ¥28,066,018 | ¥7,666,018 |
| 45 | 1.60% | ¥53,020 | ¥28,630,783 | ¥8,230,783 |
| 45 | 1.70% | ¥54,078 | ¥29,202,075 | ¥8,802,075 |
| 45 | 1.80% | ¥55,148 | ¥29,779,848 | ¥9,379,848 |
| 45 | 1.90% | ¥56,230 | ¥30,364,058 | ¥9,964,058 |
| 45 | 2.00% | ¥57,323 | ¥30,954,656 | ¥10,554,656 |
| 45 | 2.10% | ¥58,429 | ¥31,551,592 | ¥11,151,592 |
| 45 | 2.20% | ¥59,546 | ¥32,154,814 | ¥11,754,814 |
| 45 | 2.30% | ¥60,675 | ¥32,764,267 | ¥12,364,267 |
| 45 | 2.40% | ¥61,815 | ¥33,379,896 | ¥12,979,896 |
| 45 | 2.50% | ¥62,966 | ¥34,001,643 | ¥13,601,643 |
| 45 | 2.60% | ¥64,129 | ¥34,629,448 | ¥14,229,448 |
| 45 | 2.70% | ¥65,302 | ¥35,263,249 | ¥14,863,249 |
| 45 | 2.80% | ¥66,487 | ¥35,902,984 | ¥15,502,984 |
| 45 | 2.90% | ¥67,683 | ¥36,548,589 | ¥16,148,589 |
| 45 | 3.00% | ¥68,889 | ¥37,199,997 | ¥16,799,997 |
2040万円｜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% | ¥48,740 | ¥23,395,017 | ¥2,995,017 |
| 40 | 0.80% | ¥49,676 | ¥23,844,525 | ¥3,444,525 |
| 40 | 0.90% | ¥50,624 | ¥24,299,413 | ¥3,899,413 |
| 40 | 1.00% | ¥51,583 | ¥24,759,664 | ¥4,359,664 |
| 40 | 1.10% | ¥52,553 | ¥25,225,262 | ¥4,825,262 |
| 40 | 1.20% | ¥53,534 | ¥25,696,189 | ¥5,296,189 |
| 40 | 1.30% | ¥54,526 | ¥26,172,424 | ¥5,772,424 |
| 40 | 1.40% | ¥55,529 | ¥26,653,946 | ¥6,253,946 |
| 40 | 1.50% | ¥56,543 | ¥27,140,731 | ¥6,740,731 |
| 40 | 1.60% | ¥57,568 | ¥27,632,755 | ¥7,232,755 |
| 40 | 1.70% | ¥58,604 | ¥28,129,991 | ¥7,729,991 |
| 40 | 1.80% | ¥59,651 | ¥28,632,411 | ¥8,232,411 |
| 40 | 1.90% | ¥60,708 | ¥29,139,987 | ¥8,739,987 |
| 40 | 2.00% | ¥61,776 | ¥29,652,687 | ¥9,252,687 |
| 40 | 2.10% | ¥62,855 | ¥30,170,479 | ¥9,770,479 |
| 40 | 2.20% | ¥63,944 | ¥30,693,330 | ¥10,293,330 |
| 40 | 2.30% | ¥65,044 | ¥31,221,206 | ¥10,821,206 |
| 40 | 2.40% | ¥66,154 | ¥31,754,069 | ¥11,354,069 |
| 40 | 2.50% | ¥67,275 | ¥32,291,884 | ¥11,891,884 |
| 40 | 2.60% | ¥68,405 | ¥32,834,611 | ¥12,434,611 |
| 40 | 2.70% | ¥69,546 | ¥33,382,211 | ¥12,982,211 |
| 40 | 2.80% | ¥70,697 | ¥33,934,643 | ¥13,534,643 |
| 40 | 2.90% | ¥71,858 | ¥34,491,865 | ¥14,091,865 |
| 40 | 3.00% | ¥73,029 | ¥35,053,835 | ¥14,653,835 |
2040万円｜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% | ¥54,778 | ¥23,006,860 | ¥2,606,860 |
| 35 | 0.80% | ¥55,704 | ¥23,395,861 | ¥2,995,861 |
| 35 | 0.90% | ¥56,640 | ¥23,788,990 | ¥3,388,990 |
| 35 | 1.00% | ¥57,586 | ¥24,186,239 | ¥3,786,239 |
| 35 | 1.10% | ¥58,542 | ¥24,587,596 | ¥4,187,596 |
| 35 | 1.20% | ¥59,507 | ¥24,993,052 | ¥4,593,052 |
| 35 | 1.30% | ¥60,482 | ¥25,402,594 | ¥5,002,594 |
| 35 | 1.40% | ¥61,467 | ¥25,816,209 | ¥5,416,209 |
| 35 | 1.50% | ¥62,462 | ¥26,233,883 | ¥5,833,883 |
| 35 | 1.60% | ¥63,466 | ¥26,655,602 | ¥6,255,602 |
| 35 | 1.70% | ¥64,479 | ¥27,081,349 | ¥6,681,349 |
| 35 | 1.80% | ¥65,503 | ¥27,511,109 | ¥7,111,109 |
| 35 | 1.90% | ¥66,535 | ¥27,944,863 | ¥7,544,863 |
| 35 | 2.00% | ¥67,578 | ¥28,382,594 | ¥7,982,594 |
| 35 | 2.10% | ¥68,629 | ¥28,824,282 | ¥8,424,282 |
| 35 | 2.20% | ¥69,690 | ¥29,269,907 | ¥8,869,907 |
| 35 | 2.30% | ¥70,761 | ¥29,719,448 | ¥9,319,448 |
| 35 | 2.40% | ¥71,840 | ¥30,172,883 | ¥9,772,883 |
| 35 | 2.50% | ¥72,929 | ¥30,630,190 | ¥10,230,190 |
| 35 | 2.60% | ¥74,027 | ¥31,091,346 | ¥10,691,346 |
| 35 | 2.70% | ¥75,134 | ¥31,556,326 | ¥11,156,326 |
| 35 | 2.80% | ¥76,250 | ¥32,025,107 | ¥11,625,107 |
| 35 | 2.90% | ¥77,375 | ¥32,497,661 | ¥12,097,661 |
| 35 | 3.00% | ¥78,509 | ¥32,973,964 | ¥12,573,964 |
2040万円｜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% | ¥62,841 | ¥22,622,843 | ¥2,222,843 |
| 30 | 0.80% | ¥63,757 | ¥22,952,593 | ¥2,552,593 |
| 30 | 0.90% | ¥64,682 | ¥23,285,382 | ¥2,885,382 |
| 30 | 1.00% | ¥65,614 | ¥23,621,206 | ¥3,221,206 |
| 30 | 1.10% | ¥66,556 | ¥23,960,059 | ¥3,560,059 |
| 30 | 1.20% | ¥67,505 | ¥24,301,934 | ¥3,901,934 |
| 30 | 1.30% | ¥68,463 | ¥24,646,826 | ¥4,246,826 |
| 30 | 1.40% | ¥69,430 | ¥24,994,726 | ¥4,594,726 |
| 30 | 1.50% | ¥70,405 | ¥25,345,628 | ¥4,945,628 |
| 30 | 1.60% | ¥71,388 | ¥25,699,523 | ¥5,299,523 |
| 30 | 1.70% | ¥72,379 | ¥26,056,403 | ¥5,656,403 |
| 30 | 1.80% | ¥73,378 | ¥26,416,258 | ¥6,016,258 |
| 30 | 1.90% | ¥74,386 | ¥26,779,078 | ¥6,379,078 |
| 30 | 2.00% | ¥75,402 | ¥27,144,854 | ¥6,744,854 |
| 30 | 2.10% | ¥76,427 | ¥27,513,575 | ¥7,113,575 |
| 30 | 2.20% | ¥77,459 | ¥27,885,230 | ¥7,485,230 |
| 30 | 2.30% | ¥78,499 | ¥28,259,807 | ¥7,859,807 |
| 30 | 2.40% | ¥79,548 | ¥28,637,294 | ¥8,237,294 |
| 30 | 2.50% | ¥80,605 | ¥29,017,679 | ¥8,617,679 |
| 30 | 2.60% | ¥81,669 | ¥29,400,948 | ¥9,000,948 |
| 30 | 2.70% | ¥82,742 | ¥29,787,089 | ¥9,387,089 |
| 30 | 2.80% | ¥83,822 | ¥30,176,088 | ¥9,776,088 |
| 30 | 2.90% | ¥84,911 | ¥30,567,930 | ¥10,167,930 |
| 30 | 3.00% | ¥86,007 | ¥30,962,600 | ¥10,562,600 |
2040万円｜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% | ¥74,143 | ¥22,242,970 | ¥1,842,970 |
| 25 | 0.80% | ¥75,049 | ¥22,514,731 | ¥2,114,731 |
| 25 | 0.90% | ¥75,962 | ¥22,788,607 | ¥2,388,607 |
| 25 | 1.00% | ¥76,882 | ¥23,064,594 | ¥2,664,594 |
| 25 | 1.10% | ¥77,809 | ¥23,342,691 | ¥2,942,691 |
| 25 | 1.20% | ¥78,743 | ¥23,622,893 | ¥3,222,893 |
| 25 | 1.30% | ¥79,684 | ¥23,905,199 | ¥3,505,199 |
| 25 | 1.40% | ¥80,632 | ¥24,189,603 | ¥3,789,603 |
| 25 | 1.50% | ¥81,587 | ¥24,476,103 | ¥4,076,103 |
| 25 | 1.60% | ¥82,549 | ¥24,764,695 | ¥4,364,695 |
| 25 | 1.70% | ¥83,518 | ¥25,055,373 | ¥4,655,373 |
| 25 | 1.80% | ¥84,494 | ¥25,348,135 | ¥4,948,135 |
| 25 | 1.90% | ¥85,477 | ¥25,642,974 | ¥5,242,974 |
| 25 | 2.00% | ¥86,466 | ¥25,939,886 | ¥5,539,886 |
| 25 | 2.10% | ¥87,463 | ¥26,238,865 | ¥5,838,865 |
| 25 | 2.20% | ¥88,466 | ¥26,539,906 | ¥6,139,906 |
| 25 | 2.30% | ¥89,477 | ¥26,843,004 | ¥6,443,004 |
| 25 | 2.40% | ¥90,494 | ¥27,148,152 | ¥6,748,152 |
| 25 | 2.50% | ¥91,518 | ¥27,455,344 | ¥7,055,344 |
| 25 | 2.60% | ¥92,549 | ¥27,764,574 | ¥7,364,574 |
| 25 | 2.70% | ¥93,586 | ¥28,075,835 | ¥7,675,835 |
| 25 | 2.80% | ¥94,630 | ¥28,389,119 | ¥7,989,119 |
| 25 | 2.90% | ¥95,681 | ¥28,704,421 | ¥8,304,421 |
| 25 | 3.00% | ¥96,739 | ¥29,021,732 | ¥8,621,732 |
2040万円｜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% | ¥91,114 | ¥21,867,249 | ¥1,467,249 |
| 20 | 0.80% | ¥92,010 | ¥22,082,286 | ¥1,682,286 |
| 20 | 0.90% | ¥92,911 | ¥22,298,679 | ¥1,898,679 |
| 20 | 1.00% | ¥93,818 | ¥22,516,425 | ¥2,116,425 |
| 20 | 1.10% | ¥94,731 | ¥22,735,525 | ¥2,335,525 |
| 20 | 1.20% | ¥95,650 | ¥22,955,976 | ¥2,555,976 |
| 20 | 1.30% | ¥96,574 | ¥23,177,777 | ¥2,777,777 |
| 20 | 1.40% | ¥97,504 | ¥23,400,926 | ¥3,000,926 |
| 20 | 1.50% | ¥98,439 | ¥23,625,423 | ¥3,225,423 |
| 20 | 1.60% | ¥99,380 | ¥23,851,265 | ¥3,451,265 |
| 20 | 1.70% | ¥100,327 | ¥24,078,451 | ¥3,678,451 |
| 20 | 1.80% | ¥101,279 | ¥24,306,978 | ¥3,906,978 |
| 20 | 1.90% | ¥102,237 | ¥24,536,844 | ¥4,136,844 |
| 20 | 2.00% | ¥103,200 | ¥24,768,048 | ¥4,368,048 |
| 20 | 2.10% | ¥104,169 | ¥25,000,587 | ¥4,600,587 |
| 20 | 2.20% | ¥105,144 | ¥25,234,459 | ¥4,834,459 |
| 20 | 2.30% | ¥106,124 | ¥25,469,661 | ¥5,069,661 |
| 20 | 2.40% | ¥107,109 | ¥25,706,191 | ¥5,306,191 |
| 20 | 2.50% | ¥108,100 | ¥25,944,046 | ¥5,544,046 |
| 20 | 2.60% | ¥109,097 | ¥26,183,223 | ¥5,783,223 |
| 20 | 2.70% | ¥110,099 | ¥26,423,720 | ¥6,023,720 |
| 20 | 2.80% | ¥111,106 | ¥26,665,534 | ¥6,265,534 |
| 20 | 2.90% | ¥112,119 | ¥26,908,661 | ¥6,508,661 |
| 20 | 3.00% | ¥113,138 | ¥27,153,098 | ¥6,753,098 |
2040万円｜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% | ¥119,420 | ¥21,495,683 | ¥1,095,683 |
| 15 | 0.80% | ¥120,307 | ¥21,655,265 | ¥1,255,265 |
| 15 | 0.90% | ¥121,198 | ¥21,815,611 | ¥1,415,611 |
| 15 | 1.00% | ¥122,093 | ¥21,976,719 | ¥1,576,719 |
| 15 | 1.10% | ¥122,992 | ¥22,138,589 | ¥1,738,589 |
| 15 | 1.20% | ¥123,896 | ¥22,301,221 | ¥1,901,221 |
| 15 | 1.30% | ¥124,803 | ¥22,464,615 | ¥2,064,615 |
| 15 | 1.40% | ¥125,715 | ¥22,628,769 | ¥2,228,769 |
| 15 | 1.50% | ¥126,632 | ¥22,793,684 | ¥2,393,684 |
| 15 | 1.60% | ¥127,552 | ¥22,959,358 | ¥2,559,358 |
| 15 | 1.70% | ¥128,477 | ¥23,125,792 | ¥2,725,792 |
| 15 | 1.80% | ¥129,405 | ¥23,292,983 | ¥2,892,983 |
| 15 | 1.90% | ¥130,339 | ¥23,460,933 | ¥3,060,933 |
| 15 | 2.00% | ¥131,276 | ¥23,629,639 | ¥3,229,639 |
| 15 | 2.10% | ¥132,217 | ¥23,799,102 | ¥3,399,102 |
| 15 | 2.20% | ¥133,163 | ¥23,969,321 | ¥3,569,321 |
| 15 | 2.30% | ¥134,113 | ¥24,140,293 | ¥3,740,293 |
| 15 | 2.40% | ¥135,067 | ¥24,312,020 | ¥3,912,020 |
| 15 | 2.50% | ¥136,025 | ¥24,484,500 | ¥4,084,500 |
| 15 | 2.60% | ¥136,987 | ¥24,657,731 | ¥4,257,731 |
| 15 | 2.70% | ¥137,954 | ¥24,831,714 | ¥4,431,714 |
| 15 | 2.80% | ¥138,925 | ¥25,006,447 | ¥4,606,447 |
| 15 | 2.90% | ¥139,900 | ¥25,181,928 | ¥4,781,928 |
| 15 | 3.00% | ¥140,879 | ¥25,358,158 | ¥4,958,158 |
2040万円｜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% | ¥176,069 | ¥21,128,276 | ¥728,276 |
| 10 | 0.80% | ¥176,947 | ¥21,233,674 | ¥833,674 |
| 10 | 0.90% | ¥177,828 | ¥21,339,412 | ¥939,412 |
| 10 | 1.00% | ¥178,712 | ¥21,445,489 | ¥1,045,489 |
| 10 | 1.10% | ¥179,599 | ¥21,551,905 | ¥1,151,905 |
| 10 | 1.20% | ¥180,489 | ¥21,658,660 | ¥1,258,660 |
| 10 | 1.30% | ¥181,381 | ¥21,765,754 | ¥1,365,754 |
| 10 | 1.40% | ¥182,277 | ¥21,873,187 | ¥1,473,187 |
| 10 | 1.50% | ¥183,175 | ¥21,980,959 | ¥1,580,959 |
| 10 | 1.60% | ¥184,076 | ¥22,089,069 | ¥1,689,069 |
| 10 | 1.70% | ¥184,979 | ¥22,197,518 | ¥1,797,518 |
| 10 | 1.80% | ¥185,886 | ¥22,306,305 | ¥1,906,305 |
| 10 | 1.90% | ¥186,795 | ¥22,415,430 | ¥2,015,430 |
| 10 | 2.00% | ¥187,707 | ¥22,524,894 | ¥2,124,894 |
| 10 | 2.10% | ¥188,622 | ¥22,634,694 | ¥2,234,694 |
| 10 | 2.20% | ¥189,540 | ¥22,744,833 | ¥2,344,833 |
| 10 | 2.30% | ¥190,461 | ¥22,855,309 | ¥2,455,309 |
| 10 | 2.40% | ¥191,384 | ¥22,966,122 | ¥2,566,122 |
| 10 | 2.50% | ¥192,311 | ¥23,077,272 | ¥2,677,272 |
| 10 | 2.60% | ¥193,240 | ¥23,188,759 | ¥2,788,759 |
| 10 | 2.70% | ¥194,172 | ¥23,300,582 | ¥2,900,582 |
| 10 | 2.80% | ¥195,106 | ¥23,412,742 | ¥3,012,742 |
| 10 | 2.90% | ¥196,044 | ¥23,525,238 | ¥3,125,238 |
| 10 | 3.00% | ¥196,984 | ¥23,638,070 | ¥3,238,070 |
