3130万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。3130万円の住宅ローンが、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。
3130万円の住宅ローン｜期間・年数別
3130万円｜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% | ¥61,842 | ¥37,105,406 | ¥5,805,406 |
| 50 | 0.80% | ¥63,311 | ¥37,986,519 | ¥6,686,519 |
| 50 | 0.90% | ¥64,801 | ¥38,880,453 | ¥7,580,453 |
| 50 | 1.00% | ¥66,312 | ¥39,787,154 | ¥8,487,154 |
| 50 | 1.10% | ¥67,844 | ¥40,706,559 | ¥9,406,559 |
| 50 | 1.20% | ¥69,398 | ¥41,638,600 | ¥10,338,600 |
| 50 | 1.30% | ¥70,972 | ¥42,583,205 | ¥11,283,205 |
| 50 | 1.40% | ¥72,567 | ¥43,540,294 | ¥12,240,294 |
| 50 | 1.50% | ¥74,183 | ¥44,509,782 | ¥13,209,782 |
| 50 | 1.60% | ¥75,819 | ¥45,491,579 | ¥14,191,579 |
| 50 | 1.70% | ¥77,476 | ¥46,485,590 | ¥15,185,590 |
| 50 | 1.80% | ¥79,153 | ¥47,491,715 | ¥16,191,715 |
| 50 | 1.90% | ¥80,850 | ¥48,509,849 | ¥17,209,849 |
| 50 | 2.00% | ¥82,566 | ¥49,539,880 | ¥18,239,880 |
| 50 | 2.10% | ¥84,303 | ¥50,581,695 | ¥19,281,695 |
| 50 | 2.20% | ¥86,059 | ¥51,635,175 | ¥20,335,175 |
| 50 | 2.30% | ¥87,834 | ¥52,700,197 | ¥21,400,197 |
| 50 | 2.40% | ¥89,628 | ¥53,776,633 | ¥22,476,633 |
| 50 | 2.50% | ¥91,441 | ¥54,864,352 | ¥23,564,352 |
| 50 | 2.60% | ¥93,272 | ¥55,963,220 | ¥24,663,220 |
| 50 | 2.70% | ¥95,122 | ¥57,073,099 | ¥25,773,099 |
| 50 | 2.80% | ¥96,990 | ¥58,193,848 | ¥26,893,848 |
| 50 | 2.90% | ¥98,876 | ¥59,325,322 | ¥28,025,322 |
| 50 | 3.00% | ¥100,779 | ¥60,467,374 | ¥29,167,374 |
3130万円｜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% | ¥67,587 | ¥36,497,188 | ¥5,197,188 |
| 45 | 0.80% | ¥69,040 | ¥37,281,632 | ¥5,981,632 |
| 45 | 0.90% | ¥70,512 | ¥38,076,494 | ¥6,776,494 |
| 45 | 1.00% | ¥72,003 | ¥38,881,736 | ¥7,581,736 |
| 45 | 1.10% | ¥73,514 | ¥39,697,317 | ¥8,397,317 |
| 45 | 1.20% | ¥75,043 | ¥40,523,192 | ¥9,223,192 |
| 45 | 1.30% | ¥76,591 | ¥41,359,313 | ¥10,059,313 |
| 45 | 1.40% | ¥78,159 | ¥42,205,627 | ¥10,905,627 |
| 45 | 1.50% | ¥79,745 | ¥43,062,077 | ¥11,762,077 |
| 45 | 1.60% | ¥81,349 | ¥43,928,604 | ¥12,628,604 |
| 45 | 1.70% | ¥82,972 | ¥44,805,144 | ¥13,505,144 |
| 45 | 1.80% | ¥84,614 | ¥45,691,630 | ¥14,391,630 |
| 45 | 1.90% | ¥86,274 | ¥46,587,991 | ¥15,287,991 |
| 45 | 2.00% | ¥87,952 | ¥47,494,153 | ¥16,194,153 |
| 45 | 2.10% | ¥89,648 | ¥48,410,041 | ¥17,110,041 |
| 45 | 2.20% | ¥91,362 | ¥49,335,572 | ¥18,035,572 |
| 45 | 2.30% | ¥93,094 | ¥50,270,665 | ¥18,970,665 |
| 45 | 2.40% | ¥94,843 | ¥51,215,233 | ¥19,915,233 |
| 45 | 2.50% | ¥96,610 | ¥52,169,187 | ¥20,869,187 |
| 45 | 2.60% | ¥98,393 | ¥53,132,437 | ¥21,832,437 |
| 45 | 2.70% | ¥100,194 | ¥54,104,887 | ¥22,804,887 |
| 45 | 2.80% | ¥102,012 | ¥55,086,442 | ¥23,786,442 |
| 45 | 2.90% | ¥103,846 | ¥56,077,002 | ¥24,777,002 |
| 45 | 3.00% | ¥105,697 | ¥57,076,467 | ¥25,776,467 |
3130万円｜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% | ¥74,782 | ¥35,895,296 | ¥4,595,296 |
| 40 | 0.80% | ¥76,219 | ¥36,584,982 | ¥5,284,982 |
| 40 | 0.90% | ¥77,673 | ¥37,282,922 | ¥5,982,922 |
| 40 | 1.00% | ¥79,144 | ¥37,989,092 | ¥6,689,092 |
| 40 | 1.10% | ¥80,632 | ¥38,703,466 | ¥7,403,466 |
| 40 | 1.20% | ¥82,138 | ¥39,426,015 | ¥8,126,015 |
| 40 | 1.30% | ¥83,660 | ¥40,156,710 | ¥8,856,710 |
| 40 | 1.40% | ¥85,199 | ¥40,895,515 | ¥9,595,515 |
| 40 | 1.50% | ¥86,755 | ¥41,642,396 | ¥10,342,396 |
| 40 | 1.60% | ¥88,328 | ¥42,397,315 | ¥11,097,315 |
| 40 | 1.70% | ¥89,917 | ¥43,160,231 | ¥11,860,231 |
| 40 | 1.80% | ¥91,523 | ¥43,931,101 | ¥12,631,101 |
| 40 | 1.90% | ¥93,146 | ¥44,709,881 | ¥13,409,881 |
| 40 | 2.00% | ¥94,784 | ¥45,496,524 | ¥14,196,524 |
| 40 | 2.10% | ¥96,440 | ¥46,290,980 | ¥14,990,980 |
| 40 | 2.20% | ¥98,111 | ¥47,093,198 | ¥15,793,198 |
| 40 | 2.30% | ¥99,798 | ¥47,903,124 | ¥16,603,124 |
| 40 | 2.40% | ¥101,501 | ¥48,720,705 | ¥17,420,705 |
| 40 | 2.50% | ¥103,221 | ¥49,545,881 | ¥18,245,881 |
| 40 | 2.60% | ¥104,955 | ¥50,378,594 | ¥19,078,594 |
| 40 | 2.70% | ¥106,706 | ¥51,218,785 | ¥19,918,785 |
| 40 | 2.80% | ¥108,472 | ¥52,066,388 | ¥20,766,388 |
| 40 | 2.90% | ¥110,253 | ¥52,921,342 | ¥21,621,342 |
| 40 | 3.00% | ¥112,049 | ¥53,783,580 | ¥22,483,580 |
3130万円｜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% | ¥84,047 | ¥35,299,742 | ¥3,999,742 |
| 35 | 0.80% | ¥85,468 | ¥35,896,591 | ¥4,596,591 |
| 35 | 0.90% | ¥86,904 | ¥36,499,774 | ¥5,199,774 |
| 35 | 1.00% | ¥88,355 | ¥37,109,278 | ¥5,809,278 |
| 35 | 1.10% | ¥89,822 | ¥37,725,086 | ¥6,425,086 |
| 35 | 1.20% | ¥91,303 | ¥38,347,182 | ¥7,047,182 |
| 35 | 1.30% | ¥92,799 | ¥38,975,548 | ¥7,675,548 |
| 35 | 1.40% | ¥94,310 | ¥39,610,163 | ¥8,310,163 |
| 35 | 1.50% | ¥95,836 | ¥40,251,006 | ¥8,951,006 |
| 35 | 1.60% | ¥97,376 | ¥40,898,055 | ¥9,598,055 |
| 35 | 1.70% | ¥98,932 | ¥41,551,286 | ¥10,251,286 |
| 35 | 1.80% | ¥100,502 | ¥42,210,672 | ¥10,910,672 |
| 35 | 1.90% | ¥102,086 | ¥42,876,187 | ¥11,576,187 |
| 35 | 2.00% | ¥103,685 | ¥43,547,804 | ¥12,247,804 |
| 35 | 2.10% | ¥105,299 | ¥44,225,491 | ¥12,925,491 |
| 35 | 2.20% | ¥106,927 | ¥44,909,220 | ¥13,609,220 |
| 35 | 2.30% | ¥108,569 | ¥45,598,956 | ¥14,298,956 |
| 35 | 2.40% | ¥110,225 | ¥46,294,668 | ¥14,994,668 |
| 35 | 2.50% | ¥111,896 | ¥46,996,321 | ¥15,696,321 |
| 35 | 2.60% | ¥113,581 | ¥47,703,879 | ¥16,403,879 |
| 35 | 2.70% | ¥115,279 | ¥48,417,305 | ¥17,117,305 |
| 35 | 2.80% | ¥116,992 | ¥49,136,561 | ¥17,836,561 |
| 35 | 2.90% | ¥118,718 | ¥49,861,608 | ¥18,561,608 |
| 35 | 3.00% | ¥120,458 | ¥50,592,406 | ¥19,292,406 |
3130万円｜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% | ¥96,418 | ¥34,710,538 | ¥3,410,538 |
| 30 | 0.80% | ¥97,824 | ¥35,216,478 | ¥3,916,478 |
| 30 | 0.90% | ¥99,242 | ¥35,727,082 | ¥4,427,082 |
| 30 | 1.00% | ¥100,673 | ¥36,242,341 | ¥4,942,341 |
| 30 | 1.10% | ¥102,117 | ¥36,762,248 | ¥5,462,248 |
| 30 | 1.20% | ¥103,574 | ¥37,286,792 | ¥5,986,792 |
| 30 | 1.30% | ¥105,044 | ¥37,815,963 | ¥6,515,963 |
| 30 | 1.40% | ¥106,527 | ¥38,349,752 | ¥7,049,752 |
| 30 | 1.50% | ¥108,023 | ¥38,888,145 | ¥7,588,145 |
| 30 | 1.60% | ¥109,531 | ¥39,431,131 | ¥8,131,131 |
| 30 | 1.70% | ¥111,052 | ¥39,978,696 | ¥8,678,696 |
| 30 | 1.80% | ¥112,586 | ¥40,530,826 | ¥9,230,826 |
| 30 | 1.90% | ¥114,132 | ¥41,087,507 | ¥9,787,507 |
| 30 | 2.00% | ¥115,691 | ¥41,648,722 | ¥10,348,722 |
| 30 | 2.10% | ¥117,262 | ¥42,214,456 | ¥10,914,456 |
| 30 | 2.20% | ¥118,846 | ¥42,784,691 | ¥11,484,691 |
| 30 | 2.30% | ¥120,443 | ¥43,359,409 | ¥12,059,409 |
| 30 | 2.40% | ¥122,052 | ¥43,938,593 | ¥12,638,593 |
| 30 | 2.50% | ¥123,673 | ¥44,522,223 | ¥13,222,223 |
| 30 | 2.60% | ¥125,306 | ¥45,110,279 | ¥13,810,279 |
| 30 | 2.70% | ¥126,952 | ¥45,702,740 | ¥14,402,740 |
| 30 | 2.80% | ¥128,610 | ¥46,299,586 | ¥14,999,586 |
| 30 | 2.90% | ¥130,280 | ¥46,900,794 | ¥15,600,794 |
| 30 | 3.00% | ¥131,962 | ¥47,506,343 | ¥16,206,343 |
3130万円｜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% | ¥113,759 | ¥34,127,694 | ¥2,827,694 |
| 25 | 0.80% | ¥115,149 | ¥34,544,661 | ¥3,244,661 |
| 25 | 0.90% | ¥116,550 | ¥34,964,872 | ¥3,664,872 |
| 25 | 1.00% | ¥117,961 | ¥35,388,323 | ¥4,088,323 |
| 25 | 1.10% | ¥119,383 | ¥35,815,011 | ¥4,515,011 |
| 25 | 1.20% | ¥120,816 | ¥36,244,929 | ¥4,944,929 |
| 25 | 1.30% | ¥122,260 | ¥36,678,074 | ¥5,378,074 |
| 25 | 1.40% | ¥123,715 | ¥37,114,440 | ¥5,814,440 |
| 25 | 1.50% | ¥125,180 | ¥37,554,021 | ¥6,254,021 |
| 25 | 1.60% | ¥126,656 | ¥37,996,811 | ¥6,696,811 |
| 25 | 1.70% | ¥128,143 | ¥38,442,803 | ¥7,142,803 |
| 25 | 1.80% | ¥129,640 | ¥38,891,991 | ¥7,591,991 |
| 25 | 1.90% | ¥131,148 | ¥39,344,366 | ¥8,044,366 |
| 25 | 2.00% | ¥132,666 | ¥39,799,922 | ¥8,499,922 |
| 25 | 2.10% | ¥134,196 | ¥40,258,651 | ¥8,958,651 |
| 25 | 2.20% | ¥135,735 | ¥40,720,543 | ¥9,420,543 |
| 25 | 2.30% | ¥137,285 | ¥41,185,590 | ¥9,885,590 |
| 25 | 2.40% | ¥138,846 | ¥41,653,782 | ¥10,353,782 |
| 25 | 2.50% | ¥140,417 | ¥42,125,111 | ¥10,825,111 |
| 25 | 2.60% | ¥141,999 | ¥42,599,567 | ¥11,299,567 |
| 25 | 2.70% | ¥143,590 | ¥43,077,138 | ¥11,777,138 |
| 25 | 2.80% | ¥145,193 | ¥43,557,815 | ¥12,257,815 |
| 25 | 2.90% | ¥146,805 | ¥44,041,587 | ¥12,741,587 |
| 25 | 3.00% | ¥148,428 | ¥44,528,442 | ¥13,228,442 |
3130万円｜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% | ¥139,797 | ¥33,551,220 | ¥2,251,220 |
| 20 | 0.80% | ¥141,171 | ¥33,881,155 | ¥2,581,155 |
| 20 | 0.90% | ¥142,555 | ¥34,213,169 | ¥2,913,169 |
| 20 | 1.00% | ¥143,947 | ¥34,547,260 | ¥3,247,260 |
| 20 | 1.10% | ¥145,348 | ¥34,883,428 | ¥3,583,428 |
| 20 | 1.20% | ¥146,757 | ¥35,221,669 | ¥3,921,669 |
| 20 | 1.30% | ¥148,175 | ¥35,561,981 | ¥4,261,981 |
| 20 | 1.40% | ¥149,602 | ¥35,904,363 | ¥4,604,363 |
| 20 | 1.50% | ¥151,037 | ¥36,248,811 | ¥4,948,811 |
| 20 | 1.60% | ¥152,481 | ¥36,595,324 | ¥5,295,324 |
| 20 | 1.70% | ¥153,933 | ¥36,943,897 | ¥5,643,897 |
| 20 | 1.80% | ¥155,394 | ¥37,294,530 | ¥5,994,530 |
| 20 | 1.90% | ¥156,863 | ¥37,647,217 | ¥6,347,217 |
| 20 | 2.00% | ¥158,341 | ¥38,001,956 | ¥6,701,956 |
| 20 | 2.10% | ¥159,828 | ¥38,358,744 | ¥7,058,744 |
| 20 | 2.20% | ¥161,323 | ¥38,717,576 | ¥7,417,576 |
| 20 | 2.30% | ¥162,827 | ¥39,078,450 | ¥7,778,450 |
| 20 | 2.40% | ¥164,339 | ¥39,441,361 | ¥8,141,361 |
| 20 | 2.50% | ¥165,860 | ¥39,806,305 | ¥8,506,305 |
| 20 | 2.60% | ¥167,389 | ¥40,173,278 | ¥8,873,278 |
| 20 | 2.70% | ¥168,926 | ¥40,542,276 | ¥9,242,276 |
| 20 | 2.80% | ¥170,472 | ¥40,913,294 | ¥9,613,294 |
| 20 | 2.90% | ¥172,026 | ¥41,286,328 | ¥9,986,328 |
| 20 | 3.00% | ¥173,589 | ¥41,661,372 | ¥10,361,372 |
3130万円｜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% | ¥183,228 | ¥32,981,121 | ¥1,681,121 |
| 15 | 0.80% | ¥184,589 | ¥33,225,971 | ¥1,925,971 |
| 15 | 0.90% | ¥185,956 | ¥33,471,991 | ¥2,171,991 |
| 15 | 1.00% | ¥187,329 | ¥33,719,181 | ¥2,419,181 |
| 15 | 1.10% | ¥188,709 | ¥33,967,541 | ¥2,667,541 |
| 15 | 1.20% | ¥190,095 | ¥34,217,070 | ¥2,917,070 |
| 15 | 1.30% | ¥191,488 | ¥34,467,767 | ¥3,167,767 |
| 15 | 1.40% | ¥192,887 | ¥34,719,631 | ¥3,419,631 |
| 15 | 1.50% | ¥194,293 | ¥34,972,662 | ¥3,672,662 |
| 15 | 1.60% | ¥195,705 | ¥35,226,858 | ¥3,926,858 |
| 15 | 1.70% | ¥197,123 | ¥35,482,219 | ¥4,182,219 |
| 15 | 1.80% | ¥198,549 | ¥35,738,744 | ¥4,438,744 |
| 15 | 1.90% | ¥199,980 | ¥35,996,431 | ¥4,696,431 |
| 15 | 2.00% | ¥201,418 | ¥36,255,280 | ¥4,955,280 |
| 15 | 2.10% | ¥202,863 | ¥36,515,289 | ¥5,215,289 |
| 15 | 2.20% | ¥204,314 | ¥36,776,458 | ¥5,476,458 |
| 15 | 2.30% | ¥205,771 | ¥37,038,784 | ¥5,738,784 |
| 15 | 2.40% | ¥207,235 | ¥37,302,266 | ¥6,002,266 |
| 15 | 2.50% | ¥208,705 | ¥37,566,904 | ¥6,266,904 |
| 15 | 2.60% | ¥210,182 | ¥37,832,696 | ¥6,532,696 |
| 15 | 2.70% | ¥211,665 | ¥38,099,639 | ¥6,799,639 |
| 15 | 2.80% | ¥213,154 | ¥38,367,734 | ¥7,067,734 |
| 15 | 2.90% | ¥214,650 | ¥38,636,978 | ¥7,336,978 |
| 15 | 3.00% | ¥216,152 | ¥38,907,370 | ¥7,607,370 |
3130万円｜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% | ¥270,145 | ¥32,417,404 | ¥1,117,404 |
| 10 | 0.80% | ¥271,493 | ¥32,579,118 | ¥1,279,118 |
| 10 | 0.90% | ¥272,845 | ¥32,741,353 | ¥1,441,353 |
| 10 | 1.00% | ¥274,201 | ¥32,904,108 | ¥1,604,108 |
| 10 | 1.10% | ¥275,562 | ¥33,067,384 | ¥1,767,384 |
| 10 | 1.20% | ¥276,926 | ¥33,231,180 | ¥1,931,180 |
| 10 | 1.30% | ¥278,296 | ¥33,395,496 | ¥2,095,496 |
| 10 | 1.40% | ¥279,669 | ¥33,560,332 | ¥2,260,332 |
| 10 | 1.50% | ¥281,047 | ¥33,725,687 | ¥2,425,687 |
| 10 | 1.60% | ¥282,430 | ¥33,891,562 | ¥2,591,562 |
| 10 | 1.70% | ¥283,816 | ¥34,057,957 | ¥2,757,957 |
| 10 | 1.80% | ¥285,207 | ¥34,224,870 | ¥2,924,870 |
| 10 | 1.90% | ¥286,603 | ¥34,392,303 | ¥3,092,303 |
| 10 | 2.00% | ¥288,002 | ¥34,560,253 | ¥3,260,253 |
| 10 | 2.10% | ¥289,406 | ¥34,728,722 | ¥3,428,722 |
| 10 | 2.20% | ¥290,814 | ¥34,897,709 | ¥3,597,709 |
| 10 | 2.30% | ¥292,227 | ¥35,067,214 | ¥3,767,214 |
| 10 | 2.40% | ¥293,644 | ¥35,237,236 | ¥3,937,236 |
| 10 | 2.50% | ¥295,065 | ¥35,407,775 | ¥4,107,775 |
| 10 | 2.60% | ¥296,490 | ¥35,578,831 | ¥4,278,831 |
| 10 | 2.70% | ¥297,920 | ¥35,750,403 | ¥4,450,403 |
| 10 | 2.80% | ¥299,354 | ¥35,922,492 | ¥4,622,492 |
| 10 | 2.90% | ¥300,792 | ¥36,095,096 | ¥4,795,096 |
| 10 | 3.00% | ¥302,235 | ¥36,268,216 | ¥4,968,216 |
