2820万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。2820万円の住宅ローンが、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。
2820万円の住宅ローン｜期間・年数別
2820万円｜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% | ¥55,717 | ¥33,430,430 | ¥5,230,430 |
| 50 | 0.80% | ¥57,040 | ¥34,224,276 | ¥6,024,276 |
| 50 | 0.90% | ¥58,383 | ¥35,029,674 | ¥6,829,674 |
| 50 | 1.00% | ¥59,744 | ¥35,846,573 | ¥7,646,573 |
| 50 | 1.10% | ¥61,125 | ¥36,674,919 | ¥8,474,919 |
| 50 | 1.20% | ¥62,524 | ¥37,514,650 | ¥9,314,650 |
| 50 | 1.30% | ¥63,943 | ¥38,365,699 | ¥10,165,699 |
| 50 | 1.40% | ¥65,380 | ¥39,227,996 | ¥11,027,996 |
| 50 | 1.50% | ¥66,836 | ¥40,101,465 | ¥11,901,465 |
| 50 | 1.60% | ¥68,310 | ¥40,986,023 | ¥12,786,023 |
| 50 | 1.70% | ¥69,803 | ¥41,881,586 | ¥13,681,586 |
| 50 | 1.80% | ¥71,313 | ¥42,788,063 | ¥14,588,063 |
| 50 | 1.90% | ¥72,842 | ¥43,705,359 | ¥15,505,359 |
| 50 | 2.00% | ¥74,389 | ¥44,633,374 | ¥16,433,374 |
| 50 | 2.10% | ¥75,953 | ¥45,572,007 | ¥17,372,007 |
| 50 | 2.20% | ¥77,535 | ¥46,521,149 | ¥18,321,149 |
| 50 | 2.30% | ¥79,134 | ¥47,480,689 | ¥19,280,689 |
| 50 | 2.40% | ¥80,751 | ¥48,450,513 | ¥20,250,513 |
| 50 | 2.50% | ¥82,384 | ¥49,430,503 | ¥21,230,503 |
| 50 | 2.60% | ¥84,034 | ¥50,420,537 | ¥22,220,537 |
| 50 | 2.70% | ¥85,701 | ¥51,420,492 | ¥23,220,492 |
| 50 | 2.80% | ¥87,384 | ¥52,430,240 | ¥24,230,240 |
| 50 | 2.90% | ¥89,083 | ¥53,449,651 | ¥25,249,651 |
| 50 | 3.00% | ¥90,798 | ¥54,478,593 | ¥26,278,593 |
2820万円｜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% | ¥60,893 | ¥32,882,451 | ¥4,682,451 |
| 45 | 0.80% | ¥62,202 | ¥33,589,202 | ¥5,389,202 |
| 45 | 0.90% | ¥63,528 | ¥34,305,339 | ¥6,105,339 |
| 45 | 1.00% | ¥64,872 | ¥35,030,829 | ¥6,830,829 |
| 45 | 1.10% | ¥66,233 | ¥35,765,633 | ¥7,565,633 |
| 45 | 1.20% | ¥67,611 | ¥36,509,713 | ¥8,309,713 |
| 45 | 1.30% | ¥69,006 | ¥37,263,023 | ¥9,063,023 |
| 45 | 1.40% | ¥70,418 | ¥38,025,517 | ¥9,825,517 |
| 45 | 1.50% | ¥71,847 | ¥38,797,143 | ¥10,597,143 |
| 45 | 1.60% | ¥73,292 | ¥39,577,848 | ¥11,377,848 |
| 45 | 1.70% | ¥74,755 | ¥40,367,574 | ¥12,167,574 |
| 45 | 1.80% | ¥76,234 | ¥41,166,261 | ¥12,966,261 |
| 45 | 1.90% | ¥77,729 | ¥41,973,845 | ¥13,773,845 |
| 45 | 2.00% | ¥79,241 | ¥42,790,260 | ¥14,590,260 |
| 45 | 2.10% | ¥80,769 | ¥43,615,436 | ¥15,415,436 |
| 45 | 2.20% | ¥82,314 | ¥44,449,301 | ¥16,249,301 |
| 45 | 2.30% | ¥83,874 | ¥45,291,781 | ¥17,091,781 |
| 45 | 2.40% | ¥85,450 | ¥46,142,798 | ¥17,942,798 |
| 45 | 2.50% | ¥87,041 | ¥47,002,271 | ¥18,802,271 |
| 45 | 2.60% | ¥88,648 | ¥47,870,119 | ¥19,670,119 |
| 45 | 2.70% | ¥90,271 | ¥48,746,256 | ¥20,546,256 |
| 45 | 2.80% | ¥91,909 | ¥49,630,596 | ¥21,430,596 |
| 45 | 2.90% | ¥93,561 | ¥50,523,050 | ¥22,323,050 |
| 45 | 3.00% | ¥95,229 | ¥51,423,526 | ¥23,223,526 |
2820万円｜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% | ¥67,375 | ¥32,340,170 | ¥4,140,170 |
| 40 | 0.80% | ¥68,670 | ¥32,961,549 | ¥4,761,549 |
| 40 | 0.90% | ¥69,980 | ¥33,590,364 | ¥5,390,364 |
| 40 | 1.00% | ¥71,305 | ¥34,226,594 | ¥6,026,594 |
| 40 | 1.10% | ¥72,646 | ¥34,870,215 | ¥6,670,215 |
| 40 | 1.20% | ¥74,003 | ¥35,521,202 | ¥7,321,202 |
| 40 | 1.30% | ¥75,374 | ¥36,179,527 | ¥7,979,527 |
| 40 | 1.40% | ¥76,761 | ¥36,845,161 | ¥8,645,161 |
| 40 | 1.50% | ¥78,163 | ¥37,518,070 | ¥9,318,070 |
| 40 | 1.60% | ¥79,580 | ¥38,198,220 | ¥9,998,220 |
| 40 | 1.70% | ¥81,012 | ¥38,885,576 | ¥10,685,576 |
| 40 | 1.80% | ¥82,459 | ¥39,580,098 | ¥11,380,098 |
| 40 | 1.90% | ¥83,920 | ¥40,281,746 | ¥12,081,746 |
| 40 | 2.00% | ¥85,397 | ¥40,990,479 | ¥12,790,479 |
| 40 | 2.10% | ¥86,888 | ¥41,706,250 | ¥13,506,250 |
| 40 | 2.20% | ¥88,394 | ¥42,429,015 | ¥14,229,015 |
| 40 | 2.30% | ¥89,914 | ¥43,158,726 | ¥14,958,726 |
| 40 | 2.40% | ¥91,449 | ¥43,895,331 | ¥15,695,331 |
| 40 | 2.50% | ¥92,997 | ¥44,638,781 | ¥16,438,781 |
| 40 | 2.60% | ¥94,560 | ¥45,389,021 | ¥17,189,021 |
| 40 | 2.70% | ¥96,137 | ¥46,145,998 | ¥17,945,998 |
| 40 | 2.80% | ¥97,728 | ¥46,909,653 | ¥18,709,653 |
| 40 | 2.90% | ¥99,333 | ¥47,679,931 | ¥19,479,931 |
| 40 | 3.00% | ¥100,952 | ¥48,456,771 | ¥20,256,771 |
2820万円｜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% | ¥75,723 | ¥31,803,601 | ¥3,603,601 |
| 35 | 0.80% | ¥77,003 | ¥32,341,338 | ¥4,141,338 |
| 35 | 0.90% | ¥78,297 | ¥32,884,781 | ¥4,684,781 |
| 35 | 1.00% | ¥79,605 | ¥33,433,918 | ¥5,233,918 |
| 35 | 1.10% | ¥80,926 | ¥33,988,736 | ¥5,788,736 |
| 35 | 1.20% | ¥82,260 | ¥34,549,219 | ¥6,349,219 |
| 35 | 1.30% | ¥83,608 | ¥35,115,350 | ¥6,915,350 |
| 35 | 1.40% | ¥84,969 | ¥35,687,112 | ¥7,487,112 |
| 35 | 1.50% | ¥86,344 | ¥36,264,485 | ¥8,064,485 |
| 35 | 1.60% | ¥87,732 | ¥36,847,449 | ¥8,647,449 |
| 35 | 1.70% | ¥89,133 | ¥37,435,983 | ¥9,235,983 |
| 35 | 1.80% | ¥90,548 | ¥38,030,062 | ¥9,830,062 |
| 35 | 1.90% | ¥91,975 | ¥38,629,664 | ¥10,429,664 |
| 35 | 2.00% | ¥93,416 | ¥39,234,762 | ¥11,034,762 |
| 35 | 2.10% | ¥94,870 | ¥39,845,331 | ¥11,645,331 |
| 35 | 2.20% | ¥96,337 | ¥40,461,342 | ¥12,261,342 |
| 35 | 2.30% | ¥97,816 | ¥41,082,766 | ¥12,882,766 |
| 35 | 2.40% | ¥99,309 | ¥41,709,573 | ¥13,509,573 |
| 35 | 2.50% | ¥100,814 | ¥42,341,733 | ¥14,141,733 |
| 35 | 2.60% | ¥102,331 | ¥42,979,213 | ¥14,779,213 |
| 35 | 2.70% | ¥103,862 | ¥43,621,980 | ¥15,421,980 |
| 35 | 2.80% | ¥105,405 | ¥44,270,000 | ¥16,070,000 |
| 35 | 2.90% | ¥106,960 | ¥44,923,238 | ¥16,723,238 |
| 35 | 3.00% | ¥108,528 | ¥45,581,656 | ¥17,381,656 |
2820万円｜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% | ¥86,869 | ¥31,272,753 | ¥3,072,753 |
| 30 | 0.80% | ¥88,135 | ¥31,728,584 | ¥3,528,584 |
| 30 | 0.90% | ¥89,413 | ¥32,188,617 | ¥3,988,617 |
| 30 | 1.00% | ¥90,702 | ¥32,652,844 | ¥4,452,844 |
| 30 | 1.10% | ¥92,003 | ¥33,121,258 | ¥4,921,258 |
| 30 | 1.20% | ¥93,316 | ¥33,593,851 | ¥5,393,851 |
| 30 | 1.30% | ¥94,641 | ¥34,070,612 | ¥5,870,612 |
| 30 | 1.40% | ¥95,976 | ¥34,551,534 | ¥6,351,534 |
| 30 | 1.50% | ¥97,324 | ¥35,036,604 | ¥6,836,604 |
| 30 | 1.60% | ¥98,683 | ¥35,525,812 | ¥7,325,812 |
| 30 | 1.70% | ¥100,053 | ¥36,019,145 | ¥7,819,145 |
| 30 | 1.80% | ¥101,435 | ¥36,516,591 | ¥8,316,591 |
| 30 | 1.90% | ¥102,828 | ¥37,018,137 | ¥8,818,137 |
| 30 | 2.00% | ¥104,233 | ¥37,523,769 | ¥9,323,769 |
| 30 | 2.10% | ¥105,649 | ¥38,033,471 | ¥9,833,471 |
| 30 | 2.20% | ¥107,076 | ¥38,547,229 | ¥10,347,229 |
| 30 | 2.30% | ¥108,514 | ¥39,065,027 | ¥10,865,027 |
| 30 | 2.40% | ¥109,963 | ¥39,586,848 | ¥11,386,848 |
| 30 | 2.50% | ¥111,424 | ¥40,112,674 | ¥11,912,674 |
| 30 | 2.60% | ¥112,896 | ¥40,642,488 | ¥12,442,488 |
| 30 | 2.70% | ¥114,379 | ¥41,176,271 | ¥12,976,271 |
| 30 | 2.80% | ¥115,872 | ¥41,714,004 | ¥13,514,004 |
| 30 | 2.90% | ¥117,377 | ¥42,255,668 | ¥14,055,668 |
| 30 | 3.00% | ¥118,892 | ¥42,801,242 | ¥14,601,242 |
2820万円｜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% | ¥102,492 | ¥30,747,635 | ¥2,547,635 |
| 25 | 0.80% | ¥103,744 | ¥31,123,305 | ¥2,923,305 |
| 25 | 0.90% | ¥105,006 | ¥31,501,898 | ¥3,301,898 |
| 25 | 1.00% | ¥106,278 | ¥31,883,410 | ¥3,683,410 |
| 25 | 1.10% | ¥107,559 | ¥32,267,837 | ¥4,067,837 |
| 25 | 1.20% | ¥108,851 | ¥32,655,176 | ¥4,455,176 |
| 25 | 1.30% | ¥110,151 | ¥33,045,421 | ¥4,845,421 |
| 25 | 1.40% | ¥111,462 | ¥33,438,569 | ¥5,238,569 |
| 25 | 1.50% | ¥112,782 | ¥33,834,613 | ¥5,634,613 |
| 25 | 1.60% | ¥114,112 | ¥34,233,549 | ¥6,033,549 |
| 25 | 1.70% | ¥115,451 | ¥34,635,369 | ¥6,435,369 |
| 25 | 1.80% | ¥116,800 | ¥35,040,068 | ¥6,840,068 |
| 25 | 1.90% | ¥118,159 | ¥35,447,640 | ¥7,247,640 |
| 25 | 2.00% | ¥119,527 | ¥35,858,077 | ¥7,658,077 |
| 25 | 2.10% | ¥120,905 | ¥36,271,372 | ¥8,071,372 |
| 25 | 2.20% | ¥122,292 | ¥36,687,518 | ¥8,487,518 |
| 25 | 2.30% | ¥123,688 | ¥37,106,506 | ¥8,906,506 |
| 25 | 2.40% | ¥125,094 | ¥37,528,328 | ¥9,328,328 |
| 25 | 2.50% | ¥126,510 | ¥37,952,976 | ¥9,752,976 |
| 25 | 2.60% | ¥127,935 | ¥38,380,440 | ¥10,180,440 |
| 25 | 2.70% | ¥129,369 | ¥38,810,712 | ¥10,610,712 |
| 25 | 2.80% | ¥130,813 | ¥39,243,783 | ¥11,043,783 |
| 25 | 2.90% | ¥132,265 | ¥39,679,641 | ¥11,479,641 |
| 25 | 3.00% | ¥133,728 | ¥40,118,277 | ¥11,918,277 |
2820万円｜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% | ¥125,951 | ¥30,228,256 | ¥2,028,256 |
| 20 | 0.80% | ¥127,190 | ¥30,525,513 | ¥2,325,513 |
| 20 | 0.90% | ¥128,436 | ¥30,824,644 | ¥2,624,644 |
| 20 | 1.00% | ¥129,690 | ¥31,125,647 | ¥2,925,647 |
| 20 | 1.10% | ¥130,952 | ¥31,428,519 | ¥3,228,519 |
| 20 | 1.20% | ¥132,222 | ¥31,733,260 | ¥3,533,260 |
| 20 | 1.30% | ¥133,499 | ¥32,039,868 | ¥3,839,868 |
| 20 | 1.40% | ¥134,785 | ¥32,348,340 | ¥4,148,340 |
| 20 | 1.50% | ¥136,078 | ¥32,658,673 | ¥4,458,673 |
| 20 | 1.60% | ¥137,379 | ¥32,970,867 | ¥4,770,867 |
| 20 | 1.70% | ¥138,687 | ¥33,284,917 | ¥5,084,917 |
| 20 | 1.80% | ¥140,003 | ¥33,600,822 | ¥5,400,822 |
| 20 | 1.90% | ¥141,327 | ¥33,918,579 | ¥5,718,579 |
| 20 | 2.00% | ¥142,659 | ¥34,238,184 | ¥6,038,184 |
| 20 | 2.10% | ¥143,998 | ¥34,559,635 | ¥6,359,635 |
| 20 | 2.20% | ¥145,346 | ¥34,882,928 | ¥6,682,928 |
| 20 | 2.30% | ¥146,700 | ¥35,208,061 | ¥7,008,061 |
| 20 | 2.40% | ¥148,063 | ¥35,535,028 | ¥7,335,028 |
| 20 | 2.50% | ¥149,433 | ¥35,863,828 | ¥7,663,828 |
| 20 | 2.60% | ¥150,810 | ¥36,194,455 | ¥7,994,455 |
| 20 | 2.70% | ¥152,195 | ¥36,526,907 | ¥8,326,907 |
| 20 | 2.80% | ¥153,588 | ¥36,861,179 | ¥8,661,179 |
| 20 | 2.90% | ¥154,989 | ¥37,197,266 | ¥8,997,266 |
| 20 | 3.00% | ¥156,397 | ¥37,535,165 | ¥9,335,165 |
2820万円｜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% | ¥165,081 | ¥29,714,621 | ¥1,514,621 |
| 15 | 0.80% | ¥166,307 | ¥29,935,220 | ¥1,735,220 |
| 15 | 0.90% | ¥167,538 | ¥30,156,873 | ¥1,956,873 |
| 15 | 1.00% | ¥168,775 | ¥30,379,582 | ¥2,179,582 |
| 15 | 1.10% | ¥170,019 | ¥30,603,343 | ¥2,403,343 |
| 15 | 1.20% | ¥171,268 | ¥30,828,159 | ¥2,628,159 |
| 15 | 1.30% | ¥172,522 | ¥31,054,026 | ¥2,854,026 |
| 15 | 1.40% | ¥173,783 | ¥31,280,945 | ¥3,080,945 |
| 15 | 1.50% | ¥175,050 | ¥31,508,916 | ¥3,308,916 |
| 15 | 1.60% | ¥176,322 | ¥31,737,936 | ¥3,537,936 |
| 15 | 1.70% | ¥177,600 | ¥31,968,006 | ¥3,768,006 |
| 15 | 1.80% | ¥178,884 | ¥32,199,124 | ¥3,999,124 |
| 15 | 1.90% | ¥180,174 | ¥32,431,290 | ¥4,231,290 |
| 15 | 2.00% | ¥181,469 | ¥32,664,502 | ¥4,464,502 |
| 15 | 2.10% | ¥182,771 | ¥32,898,759 | ¥4,698,759 |
| 15 | 2.20% | ¥184,078 | ¥33,134,061 | ¥4,934,061 |
| 15 | 2.30% | ¥185,391 | ¥33,370,406 | ¥5,170,406 |
| 15 | 2.40% | ¥186,710 | ¥33,607,793 | ¥5,407,793 |
| 15 | 2.50% | ¥188,035 | ¥33,846,220 | ¥5,646,220 |
| 15 | 2.60% | ¥189,365 | ¥34,085,687 | ¥5,885,687 |
| 15 | 2.70% | ¥190,701 | ¥34,326,193 | ¥6,126,193 |
| 15 | 2.80% | ¥192,043 | ¥34,567,735 | ¥6,367,735 |
| 15 | 2.90% | ¥193,391 | ¥34,810,313 | ¥6,610,313 |
| 15 | 3.00% | ¥194,744 | ¥35,053,924 | ¥6,853,924 |
2820万円｜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% | ¥243,389 | ¥29,206,735 | ¥1,006,735 |
| 10 | 0.80% | ¥244,604 | ¥29,352,432 | ¥1,152,432 |
| 10 | 0.90% | ¥245,822 | ¥29,498,599 | ¥1,298,599 |
| 10 | 1.00% | ¥247,044 | ¥29,645,235 | ¥1,445,235 |
| 10 | 1.10% | ¥248,269 | ¥29,792,339 | ¥1,592,339 |
| 10 | 1.20% | ¥249,499 | ¥29,939,913 | ¥1,739,913 |
| 10 | 1.30% | ¥250,733 | ¥30,087,955 | ¥1,887,955 |
| 10 | 1.40% | ¥251,971 | ¥30,236,465 | ¥2,036,465 |
| 10 | 1.50% | ¥253,212 | ¥30,385,444 | ¥2,185,444 |
| 10 | 1.60% | ¥254,457 | ¥30,534,890 | ¥2,334,890 |
| 10 | 1.70% | ¥255,707 | ¥30,684,805 | ¥2,484,805 |
| 10 | 1.80% | ¥256,960 | ¥30,835,187 | ¥2,635,187 |
| 10 | 1.90% | ¥258,217 | ¥30,986,036 | ¥2,786,036 |
| 10 | 2.00% | ¥259,478 | ¥31,137,353 | ¥2,937,353 |
| 10 | 2.10% | ¥260,743 | ¥31,289,136 | ¥3,089,136 |
| 10 | 2.20% | ¥262,012 | ¥31,441,387 | ¥3,241,387 |
| 10 | 2.30% | ¥263,284 | ¥31,594,103 | ¥3,394,103 |
| 10 | 2.40% | ¥264,561 | ¥31,747,286 | ¥3,547,286 |
| 10 | 2.50% | ¥265,841 | ¥31,900,935 | ¥3,700,935 |
| 10 | 2.60% | ¥267,125 | ¥32,055,049 | ¥3,855,049 |
| 10 | 2.70% | ¥268,414 | ¥32,209,629 | ¥4,009,629 |
| 10 | 2.80% | ¥269,706 | ¥32,364,673 | ¥4,164,673 |
| 10 | 2.90% | ¥271,002 | ¥32,520,182 | ¥4,320,182 |
| 10 | 3.00% | ¥272,301 | ¥32,676,156 | ¥4,476,156 |
