2540万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。2540万円の住宅ローンが、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。
2540万円の住宅ローン｜期間・年数別
2540万円｜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% | ¥50,185 | ¥30,111,096 | ¥4,711,096 |
| 50 | 0.80% | ¥51,377 | ¥30,826,121 | ¥5,426,121 |
| 50 | 0.90% | ¥52,586 | ¥31,551,550 | ¥6,151,550 |
| 50 | 1.00% | ¥53,812 | ¥32,287,339 | ¥6,887,339 |
| 50 | 1.10% | ¥55,056 | ¥33,033,438 | ¥7,633,438 |
| 50 | 1.20% | ¥56,316 | ¥33,789,791 | ¥8,389,791 |
| 50 | 1.30% | ¥57,594 | ¥34,556,339 | ¥9,156,339 |
| 50 | 1.40% | ¥58,888 | ¥35,333,018 | ¥9,933,018 |
| 50 | 1.50% | ¥60,200 | ¥36,119,759 | ¥10,719,759 |
| 50 | 1.60% | ¥61,527 | ¥36,916,489 | ¥11,516,489 |
| 50 | 1.70% | ¥62,872 | ¥37,723,131 | ¥12,323,131 |
| 50 | 1.80% | ¥64,233 | ¥38,539,603 | ¥13,139,603 |
| 50 | 1.90% | ¥65,610 | ¥39,365,820 | ¥13,965,820 |
| 50 | 2.00% | ¥67,003 | ¥40,201,692 | ¥14,801,692 |
| 50 | 2.10% | ¥68,412 | ¥41,047,127 | ¥15,647,127 |
| 50 | 2.20% | ¥69,837 | ¥41,902,027 | ¥16,502,027 |
| 50 | 2.30% | ¥71,277 | ¥42,766,294 | ¥17,366,294 |
| 50 | 2.40% | ¥72,733 | ¥43,639,824 | ¥18,239,824 |
| 50 | 2.50% | ¥74,204 | ¥44,522,510 | ¥19,122,510 |
| 50 | 2.60% | ¥75,690 | ¥45,414,243 | ¥20,014,243 |
| 50 | 2.70% | ¥77,192 | ¥46,314,911 | ¥20,914,911 |
| 50 | 2.80% | ¥78,707 | ¥47,224,401 | ¥21,824,401 |
| 50 | 2.90% | ¥80,238 | ¥48,142,593 | ¥22,742,593 |
| 50 | 3.00% | ¥81,782 | ¥49,069,371 | ¥23,669,371 |
2540万円｜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% | ¥54,847 | ¥29,617,526 | ¥4,217,526 |
| 45 | 0.80% | ¥56,026 | ¥30,254,104 | ¥4,854,104 |
| 45 | 0.90% | ¥57,221 | ¥30,899,136 | ¥5,499,136 |
| 45 | 1.00% | ¥58,431 | ¥31,552,590 | ¥6,152,590 |
| 45 | 1.10% | ¥59,656 | ¥32,214,436 | ¥6,814,436 |
| 45 | 1.20% | ¥60,897 | ¥32,884,635 | ¥7,484,635 |
| 45 | 1.30% | ¥62,154 | ¥33,563,148 | ¥8,163,148 |
| 45 | 1.40% | ¥63,426 | ¥34,249,933 | ¥8,849,933 |
| 45 | 1.50% | ¥64,713 | ¥34,944,944 | ¥9,544,944 |
| 45 | 1.60% | ¥66,015 | ¥35,648,132 | ¥10,248,132 |
| 45 | 1.70% | ¥67,332 | ¥36,359,446 | ¥10,959,446 |
| 45 | 1.80% | ¥68,665 | ¥37,078,830 | ¥11,678,830 |
| 45 | 1.90% | ¥70,012 | ¥37,806,229 | ¥12,406,229 |
| 45 | 2.00% | ¥71,373 | ¥38,541,581 | ¥13,141,581 |
| 45 | 2.10% | ¥72,750 | ¥39,284,825 | ¥13,884,825 |
| 45 | 2.20% | ¥74,141 | ¥40,035,896 | ¥14,635,896 |
| 45 | 2.30% | ¥75,546 | ¥40,794,725 | ¥15,394,725 |
| 45 | 2.40% | ¥76,965 | ¥41,561,243 | ¥16,161,243 |
| 45 | 2.50% | ¥78,399 | ¥42,335,379 | ¥16,935,379 |
| 45 | 2.60% | ¥79,846 | ¥43,117,057 | ¥17,717,057 |
| 45 | 2.70% | ¥81,308 | ¥43,906,202 | ¥18,506,202 |
| 45 | 2.80% | ¥82,783 | ¥44,702,735 | ¥19,302,735 |
| 45 | 2.90% | ¥84,271 | ¥45,506,577 | ¥20,106,577 |
| 45 | 3.00% | ¥85,773 | ¥46,317,644 | ¥20,917,644 |
2540万円｜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% | ¥60,686 | ¥29,129,090 | ¥3,729,090 |
| 40 | 0.80% | ¥61,852 | ¥29,688,772 | ¥4,288,772 |
| 40 | 0.90% | ¥63,032 | ¥30,255,151 | ¥4,855,151 |
| 40 | 1.00% | ¥64,225 | ¥30,828,209 | ¥5,428,209 |
| 40 | 1.10% | ¥65,433 | ¥31,407,924 | ¥6,007,924 |
| 40 | 1.20% | ¥66,655 | ¥31,994,275 | ¥6,594,275 |
| 40 | 1.30% | ¥67,890 | ¥32,587,234 | ¥7,187,234 |
| 40 | 1.40% | ¥69,139 | ¥33,186,776 | ¥7,786,776 |
| 40 | 1.50% | ¥70,402 | ¥33,792,871 | ¥8,392,871 |
| 40 | 1.60% | ¥71,678 | ¥34,405,489 | ¥9,005,489 |
| 40 | 1.70% | ¥72,968 | ¥35,024,596 | ¥9,624,596 |
| 40 | 1.80% | ¥74,271 | ¥35,650,159 | ¥10,250,159 |
| 40 | 1.90% | ¥75,588 | ¥36,282,140 | ¥10,882,140 |
| 40 | 2.00% | ¥76,918 | ¥36,920,502 | ¥11,520,502 |
| 40 | 2.10% | ¥78,261 | ¥37,565,204 | ¥12,165,204 |
| 40 | 2.20% | ¥79,617 | ¥38,216,205 | ¥12,816,205 |
| 40 | 2.30% | ¥80,986 | ¥38,873,462 | ¥13,473,462 |
| 40 | 2.40% | ¥82,369 | ¥39,536,930 | ¥14,136,930 |
| 40 | 2.50% | ¥83,764 | ¥40,206,561 | ¥14,806,561 |
| 40 | 2.60% | ¥85,171 | ¥40,882,310 | ¥15,482,310 |
| 40 | 2.70% | ¥86,592 | ¥41,564,125 | ¥16,164,125 |
| 40 | 2.80% | ¥88,025 | ¥42,251,957 | ¥16,851,957 |
| 40 | 2.90% | ¥89,470 | ¥42,945,754 | ¥17,545,754 |
| 40 | 3.00% | ¥90,928 | ¥43,645,461 | ¥18,245,461 |
2540万円｜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% | ¥68,204 | ¥28,645,797 | ¥3,245,797 |
| 35 | 0.80% | ¥69,357 | ¥29,130,141 | ¥3,730,141 |
| 35 | 0.90% | ¥70,523 | ¥29,619,625 | ¥4,219,625 |
| 35 | 1.00% | ¥71,701 | ¥30,114,238 | ¥4,714,238 |
| 35 | 1.10% | ¥72,890 | ¥30,613,968 | ¥5,213,968 |
| 35 | 1.20% | ¥74,092 | ¥31,118,800 | ¥5,718,800 |
| 35 | 1.30% | ¥75,306 | ¥31,628,719 | ¥6,228,719 |
| 35 | 1.40% | ¥76,533 | ¥32,143,711 | ¥6,743,711 |
| 35 | 1.50% | ¥77,771 | ¥32,663,756 | ¥7,263,756 |
| 35 | 1.60% | ¥79,021 | ¥33,188,837 | ¥7,788,837 |
| 35 | 1.70% | ¥80,283 | ¥33,718,935 | ¥8,318,935 |
| 35 | 1.80% | ¥81,557 | ¥34,254,028 | ¥8,854,028 |
| 35 | 1.90% | ¥82,843 | ¥34,794,095 | ¥9,394,095 |
| 35 | 2.00% | ¥84,141 | ¥35,339,112 | ¥9,939,112 |
| 35 | 2.10% | ¥85,450 | ¥35,889,057 | ¥10,489,057 |
| 35 | 2.20% | ¥86,771 | ¥36,443,903 | ¥11,043,903 |
| 35 | 2.30% | ¥88,104 | ¥37,003,626 | ¥11,603,626 |
| 35 | 2.40% | ¥89,448 | ¥37,568,197 | ¥12,168,197 |
| 35 | 2.50% | ¥90,804 | ¥38,137,590 | ¥12,737,590 |
| 35 | 2.60% | ¥92,171 | ¥38,711,774 | ¥13,311,774 |
| 35 | 2.70% | ¥93,549 | ¥39,290,720 | ¥13,890,720 |
| 35 | 2.80% | ¥94,939 | ¥39,874,397 | ¥14,474,397 |
| 35 | 2.90% | ¥96,340 | ¥40,462,774 | ¥15,062,774 |
| 35 | 3.00% | ¥97,752 | ¥41,055,818 | ¥15,655,818 |
2540万円｜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% | ¥78,243 | ¥28,167,657 | ¥2,767,657 |
| 30 | 0.80% | ¥79,384 | ¥28,578,228 | ¥3,178,228 |
| 30 | 0.90% | ¥80,535 | ¥28,992,584 | ¥3,592,584 |
| 30 | 1.00% | ¥81,696 | ¥29,410,718 | ¥4,010,718 |
| 30 | 1.10% | ¥82,868 | ¥29,832,623 | ¥4,432,623 |
| 30 | 1.20% | ¥84,051 | ¥30,258,291 | ¥4,858,291 |
| 30 | 1.30% | ¥85,244 | ¥30,687,715 | ¥5,287,715 |
| 30 | 1.40% | ¥86,447 | ¥31,120,885 | ¥5,720,885 |
| 30 | 1.50% | ¥87,661 | ¥31,557,792 | ¥6,157,792 |
| 30 | 1.60% | ¥88,885 | ¥31,998,426 | ¥6,598,426 |
| 30 | 1.70% | ¥90,119 | ¥32,442,776 | ¥7,042,776 |
| 30 | 1.80% | ¥91,363 | ¥32,890,830 | ¥7,490,830 |
| 30 | 1.90% | ¥92,618 | ¥33,342,578 | ¥7,942,578 |
| 30 | 2.00% | ¥93,883 | ¥33,798,005 | ¥8,398,005 |
| 30 | 2.10% | ¥95,159 | ¥34,257,098 | ¥8,857,098 |
| 30 | 2.20% | ¥96,444 | ¥34,719,845 | ¥9,319,845 |
| 30 | 2.30% | ¥97,740 | ¥35,186,230 | ¥9,786,230 |
| 30 | 2.40% | ¥99,045 | ¥35,656,239 | ¥10,256,239 |
| 30 | 2.50% | ¥100,361 | ¥36,129,855 | ¥10,729,855 |
| 30 | 2.60% | ¥101,686 | ¥36,607,063 | ¥11,207,063 |
| 30 | 2.70% | ¥103,022 | ¥37,087,847 | ¥11,687,847 |
| 30 | 2.80% | ¥104,367 | ¥37,572,188 | ¥12,172,188 |
| 30 | 2.90% | ¥105,722 | ¥38,060,069 | ¥12,660,069 |
| 30 | 3.00% | ¥107,087 | ¥38,551,473 | ¥13,151,473 |
2540万円｜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% | ¥92,316 | ¥27,694,679 | ¥2,294,679 |
| 25 | 0.80% | ¥93,443 | ¥28,033,048 | ¥2,633,048 |
| 25 | 0.90% | ¥94,580 | ¥28,374,050 | ¥2,974,050 |
| 25 | 1.00% | ¥95,726 | ¥28,717,681 | ¥3,317,681 |
| 25 | 1.10% | ¥96,880 | ¥29,063,938 | ¥3,663,938 |
| 25 | 1.20% | ¥98,043 | ¥29,412,818 | ¥4,012,818 |
| 25 | 1.30% | ¥99,214 | ¥29,764,316 | ¥4,364,316 |
| 25 | 1.40% | ¥100,395 | ¥30,118,427 | ¥4,718,427 |
| 25 | 1.50% | ¥101,584 | ¥30,475,148 | ¥5,075,148 |
| 25 | 1.60% | ¥102,782 | ¥30,834,473 | ¥5,434,473 |
| 25 | 1.70% | ¥103,988 | ¥31,196,396 | ¥5,796,396 |
| 25 | 1.80% | ¥105,203 | ¥31,560,913 | ¥6,160,913 |
| 25 | 1.90% | ¥106,427 | ¥31,928,016 | ¥6,528,016 |
| 25 | 2.00% | ¥107,659 | ¥32,297,701 | ¥6,897,701 |
| 25 | 2.10% | ¥108,900 | ¥32,669,959 | ¥7,269,959 |
| 25 | 2.20% | ¥110,149 | ¥33,044,785 | ¥7,644,785 |
| 25 | 2.30% | ¥111,407 | ¥33,422,172 | ¥8,022,172 |
| 25 | 2.40% | ¥112,674 | ¥33,802,111 | ¥8,402,111 |
| 25 | 2.50% | ¥113,949 | ¥34,184,595 | ¥8,784,595 |
| 25 | 2.60% | ¥115,232 | ¥34,569,616 | ¥9,169,616 |
| 25 | 2.70% | ¥116,524 | ¥34,957,167 | ¥9,557,167 |
| 25 | 2.80% | ¥117,824 | ¥35,347,237 | ¥9,947,237 |
| 25 | 2.90% | ¥119,133 | ¥35,739,818 | ¥10,339,818 |
| 25 | 3.00% | ¥120,450 | ¥36,134,902 | ¥10,734,902 |
2540万円｜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% | ¥113,445 | ¥27,226,869 | ¥1,826,869 |
| 20 | 0.80% | ¥114,561 | ¥27,494,611 | ¥2,094,611 |
| 20 | 0.90% | ¥115,684 | ¥27,764,041 | ¥2,364,041 |
| 20 | 1.00% | ¥116,813 | ¥28,035,157 | ¥2,635,157 |
| 20 | 1.10% | ¥117,950 | ¥28,307,957 | ¥2,907,957 |
| 20 | 1.20% | ¥119,094 | ¥28,582,440 | ¥3,182,440 |
| 20 | 1.30% | ¥120,244 | ¥28,858,604 | ¥3,458,604 |
| 20 | 1.40% | ¥121,402 | ¥29,136,448 | ¥3,736,448 |
| 20 | 1.50% | ¥122,567 | ¥29,415,968 | ¥4,015,968 |
| 20 | 1.60% | ¥123,738 | ¥29,697,164 | ¥4,297,164 |
| 20 | 1.70% | ¥124,917 | ¥29,980,032 | ¥4,580,032 |
| 20 | 1.80% | ¥126,102 | ¥30,264,570 | ¥4,864,570 |
| 20 | 1.90% | ¥127,295 | ¥30,550,777 | ¥5,150,777 |
| 20 | 2.00% | ¥128,494 | ¥30,838,648 | ¥5,438,648 |
| 20 | 2.10% | ¥129,701 | ¥31,128,182 | ¥5,728,182 |
| 20 | 2.20% | ¥130,914 | ¥31,419,375 | ¥6,019,375 |
| 20 | 2.30% | ¥132,134 | ¥31,712,225 | ¥6,312,225 |
| 20 | 2.40% | ¥133,361 | ¥32,006,728 | ¥6,606,728 |
| 20 | 2.50% | ¥134,595 | ¥32,302,880 | ¥6,902,880 |
| 20 | 2.60% | ¥135,836 | ¥32,600,680 | ¥7,200,680 |
| 20 | 2.70% | ¥137,084 | ¥32,900,122 | ¥7,500,122 |
| 20 | 2.80% | ¥138,338 | ¥33,201,204 | ¥7,801,204 |
| 20 | 2.90% | ¥139,600 | ¥33,503,921 | ¥8,103,921 |
| 20 | 3.00% | ¥140,868 | ¥33,808,270 | ¥8,408,270 |
2540万円｜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% | ¥148,690 | ¥26,764,233 | ¥1,364,233 |
| 15 | 0.80% | ¥149,794 | ¥26,962,928 | ¥1,562,928 |
| 15 | 0.90% | ¥150,903 | ¥27,162,574 | ¥1,762,574 |
| 15 | 1.00% | ¥152,018 | ¥27,363,169 | ¥1,963,169 |
| 15 | 1.10% | ¥153,137 | ¥27,564,714 | ¥2,164,714 |
| 15 | 1.20% | ¥154,262 | ¥27,767,207 | ¥2,367,207 |
| 15 | 1.30% | ¥155,392 | ¥27,970,648 | ¥2,570,648 |
| 15 | 1.40% | ¥156,528 | ¥28,175,036 | ¥2,775,036 |
| 15 | 1.50% | ¥157,669 | ¥28,380,371 | ¥2,980,371 |
| 15 | 1.60% | ¥158,815 | ¥28,586,652 | ¥3,186,652 |
| 15 | 1.70% | ¥159,966 | ¥28,793,878 | ¥3,393,878 |
| 15 | 1.80% | ¥161,122 | ¥29,002,048 | ¥3,602,048 |
| 15 | 1.90% | ¥162,284 | ¥29,211,162 | ¥3,811,162 |
| 15 | 2.00% | ¥163,451 | ¥29,421,218 | ¥4,021,218 |
| 15 | 2.10% | ¥164,623 | ¥29,632,216 | ¥4,232,216 |
| 15 | 2.20% | ¥165,801 | ¥29,844,154 | ¥4,444,154 |
| 15 | 2.30% | ¥166,984 | ¥30,057,032 | ¥4,657,032 |
| 15 | 2.40% | ¥168,171 | ¥30,270,849 | ¥4,870,849 |
| 15 | 2.50% | ¥169,364 | ¥30,485,603 | ¥5,085,603 |
| 15 | 2.60% | ¥170,563 | ¥30,701,293 | ¥5,301,293 |
| 15 | 2.70% | ¥171,766 | ¥30,917,918 | ¥5,517,918 |
| 15 | 2.80% | ¥172,975 | ¥31,135,478 | ¥5,735,478 |
| 15 | 2.90% | ¥174,189 | ¥31,353,969 | ¥5,953,969 |
| 15 | 3.00% | ¥175,408 | ¥31,573,393 | ¥6,173,393 |
2540万円｜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% | ¥219,223 | ¥26,306,775 | ¥906,775 |
| 10 | 0.80% | ¥220,317 | ¥26,438,006 | ¥1,038,006 |
| 10 | 0.90% | ¥221,414 | ¥26,569,660 | ¥1,169,660 |
| 10 | 1.00% | ¥222,514 | ¥26,701,736 | ¥1,301,736 |
| 10 | 1.10% | ¥223,619 | ¥26,834,235 | ¥1,434,235 |
| 10 | 1.20% | ¥224,726 | ¥26,967,155 | ¥1,567,155 |
| 10 | 1.30% | ¥225,837 | ¥27,100,498 | ¥1,700,498 |
| 10 | 1.40% | ¥226,952 | ¥27,234,263 | ¥1,834,263 |
| 10 | 1.50% | ¥228,070 | ¥27,368,449 | ¥1,968,449 |
| 10 | 1.60% | ¥229,192 | ¥27,503,057 | ¥2,103,057 |
| 10 | 1.70% | ¥230,317 | ¥27,638,086 | ¥2,238,086 |
| 10 | 1.80% | ¥231,446 | ¥27,773,537 | ¥2,373,537 |
| 10 | 1.90% | ¥232,578 | ¥27,909,408 | ¥2,509,408 |
| 10 | 2.00% | ¥233,714 | ¥28,045,701 | ¥2,645,701 |
| 10 | 2.10% | ¥234,853 | ¥28,182,414 | ¥2,782,414 |
| 10 | 2.20% | ¥235,996 | ¥28,319,547 | ¥2,919,547 |
| 10 | 2.30% | ¥237,143 | ¥28,457,100 | ¥3,057,100 |
| 10 | 2.40% | ¥238,292 | ¥28,595,073 | ¥3,195,073 |
| 10 | 2.50% | ¥239,446 | ¥28,733,466 | ¥3,333,466 |
| 10 | 2.60% | ¥240,602 | ¥28,872,278 | ¥3,472,278 |
| 10 | 2.70% | ¥241,763 | ¥29,011,509 | ¥3,611,509 |
| 10 | 2.80% | ¥242,926 | ¥29,151,160 | ¥3,751,160 |
| 10 | 2.90% | ¥244,094 | ¥29,291,228 | ¥3,891,228 |
| 10 | 3.00% | ¥245,264 | ¥29,431,715 | ¥4,031,715 |
