3040万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。3040万円の住宅ローンが、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。
3040万円の住宅ローン｜期間・年数別
3040万円｜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% |
¥60,064 |
¥36,038,477 |
¥5,638,477 |
| 50 |
0.80% |
¥61,490 |
¥36,894,255 |
¥6,494,255 |
| 50 |
0.90% |
¥62,937 |
¥37,762,485 |
¥7,362,485 |
| 50 |
1.00% |
¥64,405 |
¥38,643,114 |
¥8,243,114 |
| 50 |
1.10% |
¥65,893 |
¥39,536,083 |
¥9,136,083 |
| 50 |
1.20% |
¥67,402 |
¥40,441,324 |
¥10,041,324 |
| 50 |
1.30% |
¥68,931 |
¥41,358,768 |
¥10,958,768 |
| 50 |
1.40% |
¥70,481 |
¥42,288,336 |
¥11,888,336 |
| 50 |
1.50% |
¥72,050 |
¥43,229,948 |
¥12,829,948 |
| 50 |
1.60% |
¥73,639 |
¥44,183,514 |
¥13,783,514 |
| 50 |
1.70% |
¥75,248 |
¥45,148,944 |
¥14,748,944 |
| 50 |
1.80% |
¥76,877 |
¥46,126,139 |
¥15,726,139 |
| 50 |
1.90% |
¥78,525 |
¥47,114,997 |
¥16,714,997 |
| 50 |
2.00% |
¥80,192 |
¥48,115,411 |
¥17,715,411 |
| 50 |
2.10% |
¥81,879 |
¥49,127,270 |
¥18,727,270 |
| 50 |
2.20% |
¥83,584 |
¥50,150,458 |
¥19,750,458 |
| 50 |
2.30% |
¥85,308 |
¥51,184,856 |
¥20,784,856 |
| 50 |
2.40% |
¥87,051 |
¥52,230,340 |
¥21,830,340 |
| 50 |
2.50% |
¥88,811 |
¥53,286,783 |
¥22,886,783 |
| 50 |
2.60% |
¥90,590 |
¥54,354,054 |
¥23,954,054 |
| 50 |
2.70% |
¥92,387 |
¥55,432,020 |
¥25,032,020 |
| 50 |
2.80% |
¥94,201 |
¥56,520,542 |
¥26,120,542 |
| 50 |
2.90% |
¥96,032 |
¥57,619,482 |
¥27,219,482 |
| 50 |
3.00% |
¥97,881 |
¥58,728,696 |
¥28,328,696 |
3040万円｜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% |
¥65,644 |
¥35,447,748 |
¥5,047,748 |
| 45 |
0.80% |
¥67,055 |
¥36,209,637 |
¥5,809,637 |
| 45 |
0.90% |
¥68,485 |
¥36,981,643 |
¥6,581,643 |
| 45 |
1.00% |
¥69,933 |
¥37,763,730 |
¥7,363,730 |
| 45 |
1.10% |
¥71,400 |
¥38,555,860 |
¥8,155,860 |
| 45 |
1.20% |
¥72,885 |
¥39,357,988 |
¥8,957,988 |
| 45 |
1.30% |
¥74,389 |
¥40,170,067 |
¥9,770,067 |
| 45 |
1.40% |
¥75,911 |
¥40,992,046 |
¥10,592,046 |
| 45 |
1.50% |
¥77,452 |
¥41,823,870 |
¥11,423,870 |
| 45 |
1.60% |
¥79,010 |
¥42,665,481 |
¥12,265,481 |
| 45 |
1.70% |
¥80,587 |
¥43,516,817 |
¥13,116,817 |
| 45 |
1.80% |
¥82,181 |
¥44,377,813 |
¥13,977,813 |
| 45 |
1.90% |
¥83,793 |
¥45,248,400 |
¥14,848,400 |
| 45 |
2.00% |
¥85,423 |
¥46,128,507 |
¥15,728,507 |
| 45 |
2.10% |
¥87,070 |
¥47,018,059 |
¥16,618,059 |
| 45 |
2.20% |
¥88,735 |
¥47,916,977 |
¥17,516,977 |
| 45 |
2.30% |
¥90,417 |
¥48,825,183 |
¥18,425,183 |
| 45 |
2.40% |
¥92,116 |
¥49,742,590 |
¥19,342,590 |
| 45 |
2.50% |
¥93,832 |
¥50,669,115 |
¥20,269,115 |
| 45 |
2.60% |
¥95,564 |
¥51,604,667 |
¥21,204,667 |
| 45 |
2.70% |
¥97,313 |
¥52,549,155 |
¥22,149,155 |
| 45 |
2.80% |
¥99,079 |
¥53,502,486 |
¥23,102,486 |
| 45 |
2.90% |
¥100,860 |
¥54,464,564 |
¥24,064,564 |
| 45 |
3.00% |
¥102,658 |
¥55,435,290 |
¥25,035,290 |
3040万円｜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% |
¥72,632 |
¥34,863,162 |
¥4,463,162 |
| 40 |
0.80% |
¥74,027 |
¥35,533,018 |
¥5,133,018 |
| 40 |
0.90% |
¥75,439 |
¥36,210,889 |
¥5,810,889 |
| 40 |
1.00% |
¥76,868 |
¥36,896,754 |
¥6,496,754 |
| 40 |
1.10% |
¥78,314 |
¥37,590,587 |
¥7,190,587 |
| 40 |
1.20% |
¥79,776 |
¥38,292,360 |
¥7,892,360 |
| 40 |
1.30% |
¥81,254 |
¥39,002,044 |
¥8,602,044 |
| 40 |
1.40% |
¥82,749 |
¥39,719,606 |
¥9,319,606 |
| 40 |
1.50% |
¥84,260 |
¥40,445,011 |
¥10,045,011 |
| 40 |
1.60% |
¥85,788 |
¥41,178,223 |
¥10,778,223 |
| 40 |
1.70% |
¥87,332 |
¥41,919,202 |
¥11,519,202 |
| 40 |
1.80% |
¥88,891 |
¥42,667,907 |
¥12,267,907 |
| 40 |
1.90% |
¥90,467 |
¥43,424,294 |
¥13,024,294 |
| 40 |
2.00% |
¥92,059 |
¥44,188,317 |
¥13,788,317 |
| 40 |
2.10% |
¥93,667 |
¥44,959,929 |
¥14,559,929 |
| 40 |
2.20% |
¥95,290 |
¥45,739,080 |
¥15,339,080 |
| 40 |
2.30% |
¥96,929 |
¥46,525,718 |
¥16,125,718 |
| 40 |
2.40% |
¥98,583 |
¥47,319,790 |
¥16,919,790 |
| 40 |
2.50% |
¥100,253 |
¥48,121,239 |
¥17,721,239 |
| 40 |
2.60% |
¥101,938 |
¥48,930,009 |
¥18,530,009 |
| 40 |
2.70% |
¥103,638 |
¥49,746,040 |
¥19,346,040 |
| 40 |
2.80% |
¥105,353 |
¥50,569,272 |
¥20,169,272 |
| 40 |
2.90% |
¥107,083 |
¥51,399,642 |
¥20,999,642 |
| 40 |
3.00% |
¥108,827 |
¥52,237,087 |
¥21,837,087 |
3040万円｜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% |
¥81,630 |
¥34,284,733 |
¥3,884,733 |
| 35 |
0.80% |
¥83,011 |
¥34,864,421 |
¥4,464,421 |
| 35 |
0.90% |
¥84,405 |
¥35,450,260 |
¥5,050,260 |
| 35 |
1.00% |
¥85,815 |
¥36,042,238 |
¥5,642,238 |
| 35 |
1.10% |
¥87,239 |
¥36,640,339 |
¥6,240,339 |
| 35 |
1.20% |
¥88,677 |
¥37,244,548 |
¥6,844,548 |
| 35 |
1.30% |
¥90,131 |
¥37,854,845 |
¥7,454,845 |
| 35 |
1.40% |
¥91,598 |
¥38,471,213 |
¥8,071,213 |
| 35 |
1.50% |
¥93,080 |
¥39,093,629 |
¥8,693,629 |
| 35 |
1.60% |
¥94,576 |
¥39,722,073 |
¥9,322,073 |
| 35 |
1.70% |
¥96,087 |
¥40,356,520 |
¥9,956,520 |
| 35 |
1.80% |
¥97,612 |
¥40,996,947 |
¥10,596,947 |
| 35 |
1.90% |
¥99,151 |
¥41,643,326 |
¥11,243,326 |
| 35 |
2.00% |
¥100,704 |
¥42,295,630 |
¥11,895,630 |
| 35 |
2.10% |
¥102,271 |
¥42,953,832 |
¥12,553,832 |
| 35 |
2.20% |
¥103,852 |
¥43,617,900 |
¥13,217,900 |
| 35 |
2.30% |
¥105,447 |
¥44,287,804 |
¥13,887,804 |
| 35 |
2.40% |
¥107,056 |
¥44,963,512 |
¥14,563,512 |
| 35 |
2.50% |
¥108,679 |
¥45,644,989 |
¥15,244,989 |
| 35 |
2.60% |
¥110,315 |
¥46,332,202 |
¥15,932,202 |
| 35 |
2.70% |
¥111,965 |
¥47,025,114 |
¥16,625,114 |
| 35 |
2.80% |
¥113,628 |
¥47,723,688 |
¥17,323,688 |
| 35 |
2.90% |
¥115,304 |
¥48,427,887 |
¥18,027,887 |
| 35 |
3.00% |
¥116,994 |
¥49,137,672 |
¥18,737,672 |
3040万円｜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% |
¥93,646 |
¥33,712,471 |
¥3,312,471 |
| 30 |
0.80% |
¥95,011 |
¥34,203,864 |
¥3,803,864 |
| 30 |
0.90% |
¥96,388 |
¥34,699,786 |
¥4,299,786 |
| 30 |
1.00% |
¥97,778 |
¥35,200,229 |
¥4,800,229 |
| 30 |
1.10% |
¥99,181 |
¥35,705,186 |
¥5,305,186 |
| 30 |
1.20% |
¥100,596 |
¥36,214,647 |
¥5,814,647 |
| 30 |
1.30% |
¥102,024 |
¥36,728,603 |
¥6,328,603 |
| 30 |
1.40% |
¥103,464 |
¥37,247,043 |
¥6,847,043 |
| 30 |
1.50% |
¥104,917 |
¥37,769,956 |
¥7,369,956 |
| 30 |
1.60% |
¥106,381 |
¥38,297,329 |
¥7,897,329 |
| 30 |
1.70% |
¥107,859 |
¥38,829,149 |
¥8,429,149 |
| 30 |
1.80% |
¥109,348 |
¥39,365,403 |
¥8,965,403 |
| 30 |
1.90% |
¥110,850 |
¥39,906,077 |
¥9,506,077 |
| 30 |
2.00% |
¥112,364 |
¥40,451,155 |
¥10,051,155 |
| 30 |
2.10% |
¥113,891 |
¥41,000,622 |
¥10,600,622 |
| 30 |
2.20% |
¥115,429 |
¥41,554,460 |
¥11,154,460 |
| 30 |
2.30% |
¥116,980 |
¥42,112,653 |
¥11,712,653 |
| 30 |
2.40% |
¥118,542 |
¥42,675,183 |
¥12,275,183 |
| 30 |
2.50% |
¥120,117 |
¥43,242,031 |
¥12,842,031 |
| 30 |
2.60% |
¥121,703 |
¥43,813,178 |
¥13,413,178 |
| 30 |
2.70% |
¥123,302 |
¥44,388,604 |
¥13,988,604 |
| 30 |
2.80% |
¥124,912 |
¥44,968,288 |
¥14,568,288 |
| 30 |
2.90% |
¥126,534 |
¥45,552,209 |
¥15,152,209 |
| 30 |
3.00% |
¥128,168 |
¥46,140,345 |
¥15,740,345 |
3040万円｜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% |
¥110,488 |
¥33,146,387 |
¥2,746,387 |
| 25 |
0.80% |
¥111,838 |
¥33,551,364 |
¥3,151,364 |
| 25 |
0.90% |
¥113,198 |
¥33,959,493 |
¥3,559,493 |
| 25 |
1.00% |
¥114,569 |
¥34,370,768 |
¥3,970,768 |
| 25 |
1.10% |
¥115,951 |
¥34,785,186 |
¥4,385,186 |
| 25 |
1.20% |
¥117,342 |
¥35,202,743 |
¥4,802,743 |
| 25 |
1.30% |
¥118,745 |
¥35,623,433 |
¥5,223,433 |
| 25 |
1.40% |
¥120,158 |
¥36,047,252 |
¥5,647,252 |
| 25 |
1.50% |
¥121,581 |
¥36,474,193 |
¥6,074,193 |
| 25 |
1.60% |
¥123,014 |
¥36,904,251 |
¥6,504,251 |
| 25 |
1.70% |
¥124,458 |
¥37,337,419 |
¥6,937,419 |
| 25 |
1.80% |
¥125,912 |
¥37,773,691 |
¥7,373,691 |
| 25 |
1.90% |
¥127,377 |
¥38,213,059 |
¥7,813,059 |
| 25 |
2.00% |
¥128,852 |
¥38,655,516 |
¥8,255,516 |
| 25 |
2.10% |
¥130,337 |
¥39,101,054 |
¥8,701,054 |
| 25 |
2.20% |
¥131,832 |
¥39,549,664 |
¥9,149,664 |
| 25 |
2.30% |
¥133,338 |
¥40,001,339 |
¥9,601,339 |
| 25 |
2.40% |
¥134,854 |
¥40,456,070 |
¥10,056,070 |
| 25 |
2.50% |
¥136,379 |
¥40,913,846 |
¥10,513,846 |
| 25 |
2.60% |
¥137,916 |
¥41,374,659 |
¥10,974,659 |
| 25 |
2.70% |
¥139,462 |
¥41,838,499 |
¥11,438,499 |
| 25 |
2.80% |
¥141,018 |
¥42,305,354 |
¥11,905,354 |
| 25 |
2.90% |
¥142,584 |
¥42,775,216 |
¥12,375,216 |
| 25 |
3.00% |
¥144,160 |
¥43,248,072 |
¥12,848,072 |
3040万円｜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% |
¥135,777 |
¥32,586,488 |
¥2,186,488 |
| 20 |
0.80% |
¥137,112 |
¥32,906,936 |
¥2,506,936 |
| 20 |
0.90% |
¥138,456 |
¥33,229,404 |
¥2,829,404 |
| 20 |
1.00% |
¥139,808 |
¥33,553,889 |
¥3,153,889 |
| 20 |
1.10% |
¥141,168 |
¥33,880,390 |
¥3,480,390 |
| 20 |
1.20% |
¥142,537 |
¥34,208,905 |
¥3,808,905 |
| 20 |
1.30% |
¥143,914 |
¥34,539,432 |
¥4,139,432 |
| 20 |
1.40% |
¥145,300 |
¥34,871,969 |
¥4,471,969 |
| 20 |
1.50% |
¥146,694 |
¥35,206,513 |
¥4,806,513 |
| 20 |
1.60% |
¥148,096 |
¥35,543,062 |
¥5,143,062 |
| 20 |
1.70% |
¥149,507 |
¥35,881,613 |
¥5,481,613 |
| 20 |
1.80% |
¥150,926 |
¥36,222,163 |
¥5,822,163 |
| 20 |
1.90% |
¥152,353 |
¥36,564,709 |
¥6,164,709 |
| 20 |
2.00% |
¥153,789 |
¥36,909,248 |
¥6,509,248 |
| 20 |
2.10% |
¥155,232 |
¥37,255,777 |
¥6,855,777 |
| 20 |
2.20% |
¥156,685 |
¥37,604,291 |
¥7,204,291 |
| 20 |
2.30% |
¥158,145 |
¥37,954,789 |
¥7,554,789 |
| 20 |
2.40% |
¥159,614 |
¥38,307,265 |
¥7,907,265 |
| 20 |
2.50% |
¥161,090 |
¥38,661,715 |
¥8,261,715 |
| 20 |
2.60% |
¥162,576 |
¥39,018,136 |
¥8,618,136 |
| 20 |
2.70% |
¥164,069 |
¥39,376,524 |
¥8,976,524 |
| 20 |
2.80% |
¥165,570 |
¥39,736,874 |
¥9,336,874 |
| 20 |
2.90% |
¥167,080 |
¥40,099,181 |
¥9,699,181 |
| 20 |
3.00% |
¥168,598 |
¥40,463,441 |
¥10,063,441 |
3040万円｜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% |
¥177,960 |
¥32,032,783 |
¥1,632,783 |
| 15 |
0.80% |
¥179,281 |
¥32,270,591 |
¥1,870,591 |
| 15 |
0.90% |
¥180,609 |
¥32,509,537 |
¥2,109,537 |
| 15 |
1.00% |
¥181,942 |
¥32,749,620 |
¥2,349,620 |
| 15 |
1.10% |
¥183,282 |
¥32,990,838 |
¥2,590,838 |
| 15 |
1.20% |
¥184,629 |
¥33,233,192 |
¥2,833,192 |
| 15 |
1.30% |
¥185,982 |
¥33,476,681 |
¥3,076,681 |
| 15 |
1.40% |
¥187,341 |
¥33,721,303 |
¥3,321,303 |
| 15 |
1.50% |
¥188,706 |
¥33,967,058 |
¥3,567,058 |
| 15 |
1.60% |
¥190,077 |
¥34,213,945 |
¥3,813,945 |
| 15 |
1.70% |
¥191,455 |
¥34,461,964 |
¥4,061,964 |
| 15 |
1.80% |
¥192,840 |
¥34,711,112 |
¥4,311,112 |
| 15 |
1.90% |
¥194,230 |
¥34,961,390 |
¥4,561,390 |
| 15 |
2.00% |
¥195,627 |
¥35,212,796 |
¥4,812,796 |
| 15 |
2.10% |
¥197,030 |
¥35,465,329 |
¥5,065,329 |
| 15 |
2.20% |
¥198,439 |
¥35,718,988 |
¥5,318,988 |
| 15 |
2.30% |
¥199,854 |
¥35,973,771 |
¥5,573,771 |
| 15 |
2.40% |
¥201,276 |
¥36,229,677 |
¥5,829,677 |
| 15 |
2.50% |
¥202,704 |
¥36,486,706 |
¥6,086,706 |
| 15 |
2.60% |
¥204,138 |
¥36,744,855 |
¥6,344,855 |
| 15 |
2.70% |
¥205,578 |
¥37,004,123 |
¥6,604,123 |
| 15 |
2.80% |
¥207,025 |
¥37,264,509 |
¥6,864,509 |
| 15 |
2.90% |
¥208,478 |
¥37,526,011 |
¥7,126,011 |
| 15 |
3.00% |
¥209,937 |
¥37,788,627 |
¥7,388,627 |
3040万円｜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% |
¥262,377 |
¥31,485,275 |
¥1,085,275 |
| 10 |
0.80% |
¥263,686 |
¥31,642,338 |
¥1,242,338 |
| 10 |
0.90% |
¥264,999 |
¥31,799,908 |
¥1,399,908 |
| 10 |
1.00% |
¥266,317 |
¥31,957,983 |
¥1,557,983 |
| 10 |
1.10% |
¥267,638 |
¥32,116,564 |
¥1,716,564 |
| 10 |
1.20% |
¥268,964 |
¥32,275,651 |
¥1,875,651 |
| 10 |
1.30% |
¥270,294 |
¥32,435,242 |
¥2,035,242 |
| 10 |
1.40% |
¥271,628 |
¥32,595,338 |
¥2,195,338 |
| 10 |
1.50% |
¥272,966 |
¥32,755,939 |
¥2,355,939 |
| 10 |
1.60% |
¥274,309 |
¥32,917,045 |
¥2,517,045 |
| 10 |
1.70% |
¥275,655 |
¥33,078,655 |
¥2,678,655 |
| 10 |
1.80% |
¥277,006 |
¥33,240,769 |
¥2,840,769 |
| 10 |
1.90% |
¥278,362 |
¥33,403,386 |
¥3,003,386 |
| 10 |
2.00% |
¥279,721 |
¥33,566,508 |
¥3,166,508 |
| 10 |
2.10% |
¥281,084 |
¥33,730,133 |
¥3,330,133 |
| 10 |
2.20% |
¥282,452 |
¥33,894,261 |
¥3,494,261 |
| 10 |
2.30% |
¥283,824 |
¥34,058,891 |
¥3,658,891 |
| 10 |
2.40% |
¥285,200 |
¥34,224,025 |
¥3,824,025 |
| 10 |
2.50% |
¥286,581 |
¥34,389,660 |
¥3,989,660 |
| 10 |
2.60% |
¥287,965 |
¥34,555,798 |
¥4,155,798 |
| 10 |
2.70% |
¥289,354 |
¥34,722,436 |
¥4,322,436 |
| 10 |
2.80% |
¥290,746 |
¥34,889,577 |
¥4,489,577 |
| 10 |
2.90% |
¥292,143 |
¥35,057,218 |
¥4,657,218 |
| 10 |
3.00% |
¥293,545 |
¥35,225,360 |
¥4,825,360 |
