3120万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。3120万円の住宅ローンが、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。
3120万円の住宅ローン｜期間・年数別
3120万円｜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% | ¥61,645 | ¥36,986,858 | ¥5,786,858 |
| 50 | 0.80% | ¥63,109 | ¥37,865,156 | ¥6,665,156 |
| 50 | 0.90% | ¥64,594 | ¥38,756,235 | ¥7,556,235 |
| 50 | 1.00% | ¥66,100 | ¥39,660,039 | ¥8,460,039 |
| 50 | 1.10% | ¥67,628 | ¥40,576,506 | ¥9,376,506 |
| 50 | 1.20% | ¥69,176 | ¥41,505,570 | ¥10,305,570 |
| 50 | 1.30% | ¥70,745 | ¥42,447,156 | ¥11,247,156 |
| 50 | 1.40% | ¥72,335 | ¥43,401,187 | ¥12,201,187 |
| 50 | 1.50% | ¥73,946 | ¥44,367,578 | ¥13,167,578 |
| 50 | 1.60% | ¥75,577 | ¥45,346,238 | ¥14,146,238 |
| 50 | 1.70% | ¥77,228 | ¥46,337,074 | ¥15,137,074 |
| 50 | 1.80% | ¥78,900 | ¥47,339,985 | ¥16,139,985 |
| 50 | 1.90% | ¥80,591 | ¥48,354,865 | ¥17,154,865 |
| 50 | 2.00% | ¥82,303 | ¥49,381,606 | ¥18,181,606 |
| 50 | 2.10% | ¥84,033 | ¥50,420,093 | ¥19,220,093 |
| 50 | 2.20% | ¥85,784 | ¥51,470,207 | ¥20,270,207 |
| 50 | 2.30% | ¥87,553 | ¥52,531,826 | ¥21,331,826 |
| 50 | 2.40% | ¥89,341 | ¥53,604,823 | ¥22,404,823 |
| 50 | 2.50% | ¥91,148 | ¥54,689,067 | ¥23,489,067 |
| 50 | 2.60% | ¥92,974 | ¥55,784,424 | ¥24,584,424 |
| 50 | 2.70% | ¥94,818 | ¥56,890,757 | ¥25,690,757 |
| 50 | 2.80% | ¥96,680 | ¥58,007,925 | ¥26,807,925 |
| 50 | 2.90% | ¥98,560 | ¥59,135,784 | ¥27,935,784 |
| 50 | 3.00% | ¥100,457 | ¥60,274,188 | ¥29,074,188 |
3120万円｜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% | ¥67,371 | ¥36,380,584 | ¥5,180,584 |
| 45 | 0.80% | ¥68,819 | ¥37,162,522 | ¥5,962,522 |
| 45 | 0.90% | ¥70,287 | ¥37,954,844 | ¥6,754,844 |
| 45 | 1.00% | ¥71,773 | ¥38,757,513 | ¥7,557,513 |
| 45 | 1.10% | ¥73,279 | ¥39,570,488 | ¥8,370,488 |
| 45 | 1.20% | ¥74,803 | ¥40,393,725 | ¥9,193,725 |
| 45 | 1.30% | ¥76,347 | ¥41,227,174 | ¥10,027,174 |
| 45 | 1.40% | ¥77,909 | ¥42,070,784 | ¥10,870,784 |
| 45 | 1.50% | ¥79,490 | ¥42,924,498 | ¥11,724,498 |
| 45 | 1.60% | ¥81,089 | ¥43,788,257 | ¥12,588,257 |
| 45 | 1.70% | ¥82,707 | ¥44,661,996 | ¥13,461,996 |
| 45 | 1.80% | ¥84,344 | ¥45,545,650 | ¥14,345,650 |
| 45 | 1.90% | ¥85,998 | ¥46,439,147 | ¥15,239,147 |
| 45 | 2.00% | ¥87,671 | ¥47,342,415 | ¥16,142,415 |
| 45 | 2.10% | ¥89,362 | ¥48,255,376 | ¥17,055,376 |
| 45 | 2.20% | ¥91,070 | ¥49,177,950 | ¥17,977,950 |
| 45 | 2.30% | ¥92,796 | ¥50,110,056 | ¥18,910,056 |
| 45 | 2.40% | ¥94,540 | ¥51,051,606 | ¥19,851,606 |
| 45 | 2.50% | ¥96,301 | ¥52,002,513 | ¥20,802,513 |
| 45 | 2.60% | ¥98,079 | ¥52,962,685 | ¥21,762,685 |
| 45 | 2.70% | ¥99,874 | ¥53,932,028 | ¥22,732,028 |
| 45 | 2.80% | ¥101,686 | ¥54,910,447 | ¥23,710,447 |
| 45 | 2.90% | ¥103,515 | ¥55,897,842 | ¥24,697,842 |
| 45 | 3.00% | ¥105,359 | ¥56,894,114 | ¥25,694,114 |
3120万円｜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% | ¥74,543 | ¥35,780,614 | ¥4,580,614 |
| 40 | 0.80% | ¥75,975 | ¥36,468,097 | ¥5,268,097 |
| 40 | 0.90% | ¥77,425 | ¥37,163,807 | ¥5,963,807 |
| 40 | 1.00% | ¥78,891 | ¥37,867,721 | ¥6,667,721 |
| 40 | 1.10% | ¥80,375 | ¥38,579,813 | ¥7,379,813 |
| 40 | 1.20% | ¥81,875 | ¥39,300,054 | ¥8,100,054 |
| 40 | 1.30% | ¥83,393 | ¥40,028,413 | ¥8,828,413 |
| 40 | 1.40% | ¥84,927 | ¥40,764,859 | ¥9,564,859 |
| 40 | 1.50% | ¥86,478 | ¥41,509,354 | ¥10,309,354 |
| 40 | 1.60% | ¥88,046 | ¥42,261,860 | ¥11,061,860 |
| 40 | 1.70% | ¥89,630 | ¥43,022,339 | ¥11,822,339 |
| 40 | 1.80% | ¥91,231 | ¥43,790,746 | ¥12,590,746 |
| 40 | 1.90% | ¥92,848 | ¥44,567,038 | ¥13,367,038 |
| 40 | 2.00% | ¥94,482 | ¥45,351,168 | ¥14,151,168 |
| 40 | 2.10% | ¥96,131 | ¥46,143,085 | ¥14,943,085 |
| 40 | 2.20% | ¥97,797 | ¥46,942,740 | ¥15,742,740 |
| 40 | 2.30% | ¥99,479 | ¥47,750,079 | ¥16,550,079 |
| 40 | 2.40% | ¥101,177 | ¥48,565,047 | ¥17,365,047 |
| 40 | 2.50% | ¥102,891 | ¥49,387,587 | ¥18,187,587 |
| 40 | 2.60% | ¥104,620 | ¥50,217,641 | ¥19,017,641 |
| 40 | 2.70% | ¥106,365 | ¥51,055,146 | ¥19,855,146 |
| 40 | 2.80% | ¥108,125 | ¥51,900,042 | ¥20,700,042 |
| 40 | 2.90% | ¥109,901 | ¥52,752,264 | ¥21,552,264 |
| 40 | 3.00% | ¥111,691 | ¥53,611,747 | ¥22,411,747 |
3120万円｜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% | ¥83,778 | ¥35,186,963 | ¥3,986,963 |
| 35 | 0.80% | ¥85,195 | ¥35,781,905 | ¥4,581,905 |
| 35 | 0.90% | ¥86,627 | ¥36,383,162 | ¥5,183,162 |
| 35 | 1.00% | ¥88,073 | ¥36,990,718 | ¥5,790,718 |
| 35 | 1.10% | ¥89,535 | ¥37,604,559 | ¥6,404,559 |
| 35 | 1.20% | ¥91,011 | ¥38,224,667 | ¥7,024,667 |
| 35 | 1.30% | ¥92,502 | ¥38,851,025 | ¥7,651,025 |
| 35 | 1.40% | ¥94,009 | ¥39,483,613 | ¥8,283,613 |
| 35 | 1.50% | ¥95,530 | ¥40,122,409 | ¥8,922,409 |
| 35 | 1.60% | ¥97,065 | ¥40,767,391 | ¥9,567,391 |
| 35 | 1.70% | ¥98,616 | ¥41,418,534 | ¥10,218,534 |
| 35 | 1.80% | ¥100,181 | ¥42,075,814 | ¥10,875,814 |
| 35 | 1.90% | ¥101,760 | ¥42,739,203 | ¥11,539,203 |
| 35 | 2.00% | ¥103,354 | ¥43,408,673 | ¥12,208,673 |
| 35 | 2.10% | ¥104,962 | ¥44,084,196 | ¥12,884,196 |
| 35 | 2.20% | ¥106,585 | ¥44,765,740 | ¥13,565,740 |
| 35 | 2.30% | ¥108,222 | ¥45,453,273 | ¥14,253,273 |
| 35 | 2.40% | ¥109,873 | ¥46,146,762 | ¥14,946,762 |
| 35 | 2.50% | ¥111,539 | ¥46,846,173 | ¥15,646,173 |
| 35 | 2.60% | ¥113,218 | ¥47,551,470 | ¥16,351,470 |
| 35 | 2.70% | ¥114,911 | ¥48,262,617 | ¥17,062,617 |
| 35 | 2.80% | ¥116,618 | ¥48,979,575 | ¥17,779,575 |
| 35 | 2.90% | ¥118,339 | ¥49,702,306 | ¥18,502,306 |
| 35 | 3.00% | ¥120,073 | ¥50,430,769 | ¥19,230,769 |
3120万円｜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% | ¥96,110 | ¥34,599,642 | ¥3,399,642 |
| 30 | 0.80% | ¥97,511 | ¥35,103,966 | ¥3,903,966 |
| 30 | 0.90% | ¥98,925 | ¥35,612,938 | ¥4,412,938 |
| 30 | 1.00% | ¥100,352 | ¥36,126,551 | ¥4,926,551 |
| 30 | 1.10% | ¥101,791 | ¥36,644,796 | ¥5,444,796 |
| 30 | 1.20% | ¥103,244 | ¥37,167,665 | ¥5,967,665 |
| 30 | 1.30% | ¥104,709 | ¥37,695,146 | ¥6,495,146 |
| 30 | 1.40% | ¥106,187 | ¥38,227,229 | ¥7,027,229 |
| 30 | 1.50% | ¥107,678 | ¥38,763,902 | ¥7,563,902 |
| 30 | 1.60% | ¥109,181 | ¥39,305,153 | ¥8,105,153 |
| 30 | 1.70% | ¥110,697 | ¥39,850,969 | ¥8,650,969 |
| 30 | 1.80% | ¥112,226 | ¥40,401,335 | ¥9,201,335 |
| 30 | 1.90% | ¥113,767 | ¥40,956,237 | ¥9,756,237 |
| 30 | 2.00% | ¥115,321 | ¥41,515,659 | ¥10,315,659 |
| 30 | 2.10% | ¥116,888 | ¥42,079,585 | ¥10,879,585 |
| 30 | 2.20% | ¥118,467 | ¥42,647,999 | ¥11,447,999 |
| 30 | 2.30% | ¥120,058 | ¥43,220,881 | ¥12,020,881 |
| 30 | 2.40% | ¥121,662 | ¥43,798,214 | ¥12,598,214 |
| 30 | 2.50% | ¥123,278 | ¥44,379,979 | ¥13,179,979 |
| 30 | 2.60% | ¥124,906 | ¥44,966,156 | ¥13,766,156 |
| 30 | 2.70% | ¥126,546 | ¥45,556,725 | ¥14,356,725 |
| 30 | 2.80% | ¥128,199 | ¥46,151,664 | ¥14,951,664 |
| 30 | 2.90% | ¥129,864 | ¥46,750,951 | ¥15,550,951 |
| 30 | 3.00% | ¥131,540 | ¥47,354,565 | ¥16,154,565 |
3120万円｜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% | ¥113,396 | ¥34,018,660 | ¥2,818,660 |
| 25 | 0.80% | ¥114,781 | ¥34,434,295 | ¥3,234,295 |
| 25 | 0.90% | ¥116,177 | ¥34,853,163 | ¥3,653,163 |
| 25 | 1.00% | ¥117,584 | ¥35,275,262 | ¥4,075,262 |
| 25 | 1.10% | ¥119,002 | ¥35,700,586 | ¥4,500,586 |
| 25 | 1.20% | ¥120,430 | ¥36,129,131 | ¥4,929,131 |
| 25 | 1.30% | ¥121,870 | ¥36,560,892 | ¥5,360,892 |
| 25 | 1.40% | ¥123,320 | ¥36,995,864 | ¥5,795,864 |
| 25 | 1.50% | ¥124,780 | ¥37,434,040 | ¥6,234,040 |
| 25 | 1.60% | ¥126,251 | ¥37,875,415 | ¥6,675,415 |
| 25 | 1.70% | ¥127,733 | ¥38,319,983 | ¥7,119,983 |
| 25 | 1.80% | ¥129,226 | ¥38,767,735 | ¥7,567,735 |
| 25 | 1.90% | ¥130,729 | ¥39,218,666 | ¥8,018,666 |
| 25 | 2.00% | ¥132,243 | ¥39,672,766 | ¥8,472,766 |
| 25 | 2.10% | ¥133,767 | ¥40,130,029 | ¥8,930,029 |
| 25 | 2.20% | ¥135,301 | ¥40,590,445 | ¥9,390,445 |
| 25 | 2.30% | ¥136,847 | ¥41,054,006 | ¥9,854,006 |
| 25 | 2.40% | ¥138,402 | ¥41,520,703 | ¥10,320,703 |
| 25 | 2.50% | ¥139,968 | ¥41,990,526 | ¥10,790,526 |
| 25 | 2.60% | ¥141,545 | ¥42,463,466 | ¥11,263,466 |
| 25 | 2.70% | ¥143,132 | ¥42,939,512 | ¥11,739,512 |
| 25 | 2.80% | ¥144,729 | ¥43,418,653 | ¥12,218,653 |
| 25 | 2.90% | ¥146,336 | ¥43,900,879 | ¥12,700,879 |
| 25 | 3.00% | ¥147,954 | ¥44,386,179 | ¥13,186,179 |
3120万円｜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% | ¥139,350 | ¥33,444,028 | ¥2,244,028 |
| 20 | 0.80% | ¥140,720 | ¥33,772,908 | ¥2,572,908 |
| 20 | 0.90% | ¥142,099 | ¥34,103,862 | ¥2,903,862 |
| 20 | 1.00% | ¥143,487 | ¥34,436,886 | ¥3,236,886 |
| 20 | 1.10% | ¥144,883 | ¥34,771,979 | ¥3,571,979 |
| 20 | 1.20% | ¥146,288 | ¥35,109,139 | ¥3,909,139 |
| 20 | 1.30% | ¥147,702 | ¥35,448,364 | ¥4,248,364 |
| 20 | 1.40% | ¥149,124 | ¥35,789,652 | ¥4,589,652 |
| 20 | 1.50% | ¥150,554 | ¥36,133,000 | ¥4,933,000 |
| 20 | 1.60% | ¥151,993 | ¥36,478,406 | ¥5,278,406 |
| 20 | 1.70% | ¥153,441 | ¥36,825,866 | ¥5,625,866 |
| 20 | 1.80% | ¥154,897 | ¥37,175,378 | ¥5,975,378 |
| 20 | 1.90% | ¥156,362 | ¥37,526,938 | ¥6,326,938 |
| 20 | 2.00% | ¥157,836 | ¥37,880,544 | ¥6,680,544 |
| 20 | 2.10% | ¥159,317 | ¥38,236,192 | ¥7,036,192 |
| 20 | 2.20% | ¥160,808 | ¥38,593,878 | ¥7,393,878 |
| 20 | 2.30% | ¥162,307 | ¥38,953,599 | ¥7,753,599 |
| 20 | 2.40% | ¥163,814 | ¥39,315,350 | ¥8,115,350 |
| 20 | 2.50% | ¥165,330 | ¥39,679,129 | ¥8,479,129 |
| 20 | 2.60% | ¥166,854 | ¥40,044,929 | ¥8,844,929 |
| 20 | 2.70% | ¥168,386 | ¥40,412,748 | ¥9,212,748 |
| 20 | 2.80% | ¥169,927 | ¥40,782,581 | ¥9,582,581 |
| 20 | 2.90% | ¥171,477 | ¥41,154,422 | ¥9,954,422 |
| 20 | 3.00% | ¥173,034 | ¥41,528,268 | ¥10,328,268 |
3120万円｜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% | ¥182,643 | ¥32,875,750 | ¥1,675,750 |
| 15 | 0.80% | ¥183,999 | ¥33,119,817 | ¥1,919,817 |
| 15 | 0.90% | ¥185,361 | ¥33,365,051 | ¥2,165,051 |
| 15 | 1.00% | ¥186,730 | ¥33,611,452 | ¥2,411,452 |
| 15 | 1.10% | ¥188,106 | ¥33,859,018 | ¥2,659,018 |
| 15 | 1.20% | ¥189,487 | ¥34,107,750 | ¥2,907,750 |
| 15 | 1.30% | ¥190,876 | ¥34,357,646 | ¥3,157,646 |
| 15 | 1.40% | ¥192,271 | ¥34,608,706 | ¥3,408,706 |
| 15 | 1.50% | ¥193,672 | ¥34,860,928 | ¥3,660,928 |
| 15 | 1.60% | ¥195,080 | ¥35,114,312 | ¥3,914,312 |
| 15 | 1.70% | ¥196,494 | ¥35,368,858 | ¥4,168,858 |
| 15 | 1.80% | ¥197,914 | ¥35,624,563 | ¥4,424,563 |
| 15 | 1.90% | ¥199,341 | ¥35,881,427 | ¥4,681,427 |
| 15 | 2.00% | ¥200,775 | ¥36,139,449 | ¥4,939,449 |
| 15 | 2.10% | ¥202,215 | ¥36,398,627 | ¥5,198,627 |
| 15 | 2.20% | ¥203,661 | ¥36,658,961 | ¥5,458,961 |
| 15 | 2.30% | ¥205,114 | ¥36,920,449 | ¥5,720,449 |
| 15 | 2.40% | ¥206,573 | ¥37,183,090 | ¥5,983,090 |
| 15 | 2.50% | ¥208,038 | ¥37,446,882 | ¥6,246,882 |
| 15 | 2.60% | ¥209,510 | ¥37,711,824 | ¥6,511,824 |
| 15 | 2.70% | ¥210,988 | ¥37,977,915 | ¥6,777,915 |
| 15 | 2.80% | ¥212,473 | ¥38,245,154 | ¥7,045,154 |
| 15 | 2.90% | ¥213,964 | ¥38,513,537 | ¥7,313,537 |
| 15 | 3.00% | ¥215,461 | ¥38,783,065 | ¥7,583,065 |
3120万円｜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% | ¥269,282 | ¥32,313,834 | ¥1,113,834 |
| 10 | 0.80% | ¥270,625 | ¥32,475,032 | ¥1,275,032 |
| 10 | 0.90% | ¥271,973 | ¥32,636,748 | ¥1,436,748 |
| 10 | 1.00% | ¥273,325 | ¥32,798,983 | ¥1,598,983 |
| 10 | 1.10% | ¥274,681 | ¥32,961,737 | ¥1,761,737 |
| 10 | 1.20% | ¥276,042 | ¥33,125,010 | ¥1,925,010 |
| 10 | 1.30% | ¥277,407 | ¥33,288,801 | ¥2,088,801 |
| 10 | 1.40% | ¥278,776 | ¥33,453,110 | ¥2,253,110 |
| 10 | 1.50% | ¥280,149 | ¥33,617,938 | ¥2,417,938 |
| 10 | 1.60% | ¥281,527 | ¥33,783,283 | ¥2,583,283 |
| 10 | 1.70% | ¥282,910 | ¥33,949,146 | ¥2,749,146 |
| 10 | 1.80% | ¥284,296 | ¥34,115,526 | ¥2,915,526 |
| 10 | 1.90% | ¥285,687 | ¥34,282,423 | ¥3,082,423 |
| 10 | 2.00% | ¥287,082 | ¥34,449,837 | ¥3,249,837 |
| 10 | 2.10% | ¥288,481 | ¥34,617,768 | ¥3,417,768 |
| 10 | 2.20% | ¥289,885 | ¥34,786,215 | ¥3,586,215 |
| 10 | 2.30% | ¥291,293 | ¥34,955,178 | ¥3,755,178 |
| 10 | 2.40% | ¥292,705 | ¥35,124,657 | ¥3,924,657 |
| 10 | 2.50% | ¥294,122 | ¥35,294,651 | ¥4,094,651 |
| 10 | 2.60% | ¥295,543 | ¥35,465,161 | ¥4,265,161 |
| 10 | 2.70% | ¥296,968 | ¥35,636,185 | ¥4,436,185 |
| 10 | 2.80% | ¥298,398 | ¥35,807,723 | ¥4,607,723 |
| 10 | 2.90% | ¥299,831 | ¥35,979,776 | ¥4,779,776 |
| 10 | 3.00% | ¥301,270 | ¥36,152,343 | ¥4,952,343 |
