3150万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。3150万円の住宅ローンが、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。
3150万円の住宅ローン｜期間・年数別
3150万円｜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% | ¥62,238 | ¥37,342,501 | ¥5,842,501 |
| 50 | 0.80% | ¥63,715 | ¥38,229,244 | ¥6,729,244 |
| 50 | 0.90% | ¥65,215 | ¥39,128,891 | ¥7,628,891 |
| 50 | 1.00% | ¥66,736 | ¥40,041,385 | ¥8,541,385 |
| 50 | 1.10% | ¥68,278 | ¥40,966,665 | ¥9,466,665 |
| 50 | 1.20% | ¥69,841 | ¥41,904,662 | ¥10,404,662 |
| 50 | 1.30% | ¥71,426 | ¥42,855,302 | ¥11,355,302 |
| 50 | 1.40% | ¥73,031 | ¥43,818,506 | ¥12,318,506 |
| 50 | 1.50% | ¥74,657 | ¥44,794,189 | ¥13,294,189 |
| 50 | 1.60% | ¥76,304 | ¥45,782,260 | ¥14,282,260 |
| 50 | 1.70% | ¥77,971 | ¥46,782,623 | ¥15,282,623 |
| 50 | 1.80% | ¥79,659 | ¥47,795,177 | ¥16,295,177 |
| 50 | 1.90% | ¥81,366 | ¥48,819,816 | ¥17,319,816 |
| 50 | 2.00% | ¥83,094 | ¥49,856,429 | ¥18,356,429 |
| 50 | 2.10% | ¥84,842 | ¥50,904,901 | ¥19,404,901 |
| 50 | 2.20% | ¥86,609 | ¥51,965,113 | ¥20,465,113 |
| 50 | 2.30% | ¥88,395 | ¥53,036,940 | ¥21,536,940 |
| 50 | 2.40% | ¥90,200 | ¥54,120,254 | ¥22,620,254 |
| 50 | 2.50% | ¥92,025 | ¥55,214,923 | ¥23,714,923 |
| 50 | 2.60% | ¥93,868 | ¥56,320,813 | ¥24,820,813 |
| 50 | 2.70% | ¥95,730 | ¥57,437,784 | ¥25,937,784 |
| 50 | 2.80% | ¥97,609 | ¥58,565,694 | ¥27,065,694 |
| 50 | 2.90% | ¥99,507 | ¥59,704,397 | ¥28,204,397 |
| 50 | 3.00% | ¥101,423 | ¥60,853,747 | ¥29,353,747 |
3150万円｜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% | ¥68,019 | ¥36,730,397 | ¥5,230,397 |
| 45 | 0.80% | ¥69,481 | ¥37,519,854 | ¥6,019,854 |
| 45 | 0.90% | ¥70,963 | ¥38,319,794 | ¥6,819,794 |
| 45 | 1.00% | ¥72,463 | ¥39,130,181 | ¥7,630,181 |
| 45 | 1.10% | ¥73,983 | ¥39,950,973 | ¥8,450,973 |
| 45 | 1.20% | ¥75,522 | ¥40,782,126 | ¥9,282,126 |
| 45 | 1.30% | ¥77,081 | ¥41,623,589 | ¥10,123,589 |
| 45 | 1.40% | ¥78,658 | ¥42,475,311 | ¥10,975,311 |
| 45 | 1.50% | ¥80,254 | ¥43,337,234 | ¥11,837,234 |
| 45 | 1.60% | ¥81,869 | ¥44,209,298 | ¥12,709,298 |
| 45 | 1.70% | ¥83,503 | ¥45,091,439 | ¥13,591,439 |
| 45 | 1.80% | ¥85,155 | ¥45,983,589 | ¥14,483,589 |
| 45 | 1.90% | ¥86,825 | ¥46,885,678 | ¥15,385,678 |
| 45 | 2.00% | ¥88,514 | ¥47,797,630 | ¥16,297,630 |
| 45 | 2.10% | ¥90,221 | ¥48,719,370 | ¥17,219,370 |
| 45 | 2.20% | ¥91,946 | ¥49,650,815 | ¥18,150,815 |
| 45 | 2.30% | ¥93,689 | ¥50,591,883 | ¥19,091,883 |
| 45 | 2.40% | ¥95,449 | ¥51,542,487 | ¥20,042,487 |
| 45 | 2.50% | ¥97,227 | ¥52,502,537 | ¥21,002,537 |
| 45 | 2.60% | ¥99,022 | ¥53,471,941 | ¥21,971,941 |
| 45 | 2.70% | ¥100,834 | ¥54,450,605 | ¥22,950,605 |
| 45 | 2.80% | ¥102,664 | ¥55,438,432 | ¥23,938,432 |
| 45 | 2.90% | ¥104,510 | ¥56,435,321 | ¥24,935,321 |
| 45 | 3.00% | ¥106,373 | ¥57,441,173 | ¥25,941,173 |
3150万円｜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% | ¥75,260 | ¥36,124,658 | ¥4,624,658 |
| 40 | 0.80% | ¥76,706 | ¥36,818,752 | ¥5,318,752 |
| 40 | 0.90% | ¥78,169 | ¥37,521,152 | ¥6,021,152 |
| 40 | 1.00% | ¥79,650 | ¥38,231,834 | ¥6,731,834 |
| 40 | 1.10% | ¥81,147 | ¥38,950,772 | ¥7,450,772 |
| 40 | 1.20% | ¥82,662 | ¥39,677,939 | ¥8,177,939 |
| 40 | 1.30% | ¥84,194 | ¥40,413,302 | ¥8,913,302 |
| 40 | 1.40% | ¥85,743 | ¥41,156,828 | ¥9,656,828 |
| 40 | 1.50% | ¥87,309 | ¥41,908,482 | ¥10,408,482 |
| 40 | 1.60% | ¥88,892 | ¥42,668,224 | ¥11,168,224 |
| 40 | 1.70% | ¥90,492 | ¥43,436,015 | ¥11,936,015 |
| 40 | 1.80% | ¥92,108 | ¥44,211,811 | ¥12,711,811 |
| 40 | 1.90% | ¥93,741 | ¥44,995,568 | ¥13,495,568 |
| 40 | 2.00% | ¥95,390 | ¥45,787,237 | ¥14,287,237 |
| 40 | 2.10% | ¥97,056 | ¥46,586,769 | ¥15,086,769 |
| 40 | 2.20% | ¥98,738 | ¥47,394,113 | ¥15,894,113 |
| 40 | 2.30% | ¥100,436 | ¥48,209,215 | ¥16,709,215 |
| 40 | 2.40% | ¥102,150 | ¥49,032,019 | ¥17,532,019 |
| 40 | 2.50% | ¥103,880 | ¥49,862,468 | ¥18,362,468 |
| 40 | 2.60% | ¥105,626 | ¥50,700,502 | ¥19,200,502 |
| 40 | 2.70% | ¥107,388 | ¥51,546,061 | ¥20,046,061 |
| 40 | 2.80% | ¥109,165 | ¥52,399,081 | ¥20,899,081 |
| 40 | 2.90% | ¥110,957 | ¥53,259,498 | ¥21,759,498 |
| 40 | 3.00% | ¥112,765 | ¥54,127,245 | ¥22,627,245 |
3150万円｜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% | ¥84,584 | ¥35,525,299 | ¥4,025,299 |
| 35 | 0.80% | ¥86,014 | ¥36,125,962 | ¥4,625,962 |
| 35 | 0.90% | ¥87,460 | ¥36,733,000 | ¥5,233,000 |
| 35 | 1.00% | ¥88,920 | ¥37,346,398 | ¥5,846,398 |
| 35 | 1.10% | ¥90,396 | ¥37,966,141 | ¥6,466,141 |
| 35 | 1.20% | ¥91,886 | ¥38,592,212 | ¥7,092,212 |
| 35 | 1.30% | ¥93,392 | ¥39,224,593 | ¥7,724,593 |
| 35 | 1.40% | ¥94,913 | ¥39,863,263 | ¥8,363,263 |
| 35 | 1.50% | ¥96,448 | ¥40,508,201 | ¥9,008,201 |
| 35 | 1.60% | ¥97,999 | ¥41,159,385 | ¥9,659,385 |
| 35 | 1.70% | ¥99,564 | ¥41,816,789 | ¥10,316,789 |
| 35 | 1.80% | ¥101,144 | ¥42,480,389 | ¥10,980,389 |
| 35 | 1.90% | ¥102,738 | ¥43,150,157 | ¥11,650,157 |
| 35 | 2.00% | ¥104,348 | ¥43,826,064 | ¥12,326,064 |
| 35 | 2.10% | ¥105,972 | ¥44,508,082 | ¥13,008,082 |
| 35 | 2.20% | ¥107,610 | ¥45,196,179 | ¥13,696,179 |
| 35 | 2.30% | ¥109,263 | ¥45,890,323 | ¥14,390,323 |
| 35 | 2.40% | ¥110,930 | ¥46,590,481 | ¥15,090,481 |
| 35 | 2.50% | ¥112,611 | ¥47,296,617 | ¥15,796,617 |
| 35 | 2.60% | ¥114,306 | ¥48,008,696 | ¥16,508,696 |
| 35 | 2.70% | ¥116,016 | ¥48,726,680 | ¥17,226,680 |
| 35 | 2.80% | ¥117,739 | ¥49,450,532 | ¥17,950,532 |
| 35 | 2.90% | ¥119,477 | ¥50,180,212 | ¥18,680,212 |
| 35 | 3.00% | ¥121,228 | ¥50,915,680 | ¥19,415,680 |
3150万円｜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% | ¥97,034 | ¥34,932,330 | ¥3,432,330 |
| 30 | 0.80% | ¥98,449 | ¥35,441,504 | ¥3,941,504 |
| 30 | 0.90% | ¥99,876 | ¥35,955,370 | ¥4,455,370 |
| 30 | 1.00% | ¥101,316 | ¥36,473,922 | ¥4,973,922 |
| 30 | 1.10% | ¥102,770 | ¥36,997,150 | ¥5,497,150 |
| 30 | 1.20% | ¥104,236 | ¥37,525,046 | ¥6,025,046 |
| 30 | 1.30% | ¥105,716 | ¥38,057,599 | ¥6,557,599 |
| 30 | 1.40% | ¥107,208 | ¥38,594,798 | ¥7,094,798 |
| 30 | 1.50% | ¥108,713 | ¥39,136,632 | ¥7,636,632 |
| 30 | 1.60% | ¥110,231 | ¥39,683,087 | ¥8,183,087 |
| 30 | 1.70% | ¥111,762 | ¥40,234,151 | ¥8,734,151 |
| 30 | 1.80% | ¥113,305 | ¥40,789,809 | ¥9,289,809 |
| 30 | 1.90% | ¥114,861 | ¥41,350,047 | ¥9,850,047 |
| 30 | 2.00% | ¥116,430 | ¥41,914,848 | ¥10,414,848 |
| 30 | 2.10% | ¥118,012 | ¥42,484,197 | ¥10,984,197 |
| 30 | 2.20% | ¥119,606 | ¥43,058,075 | ¥11,558,075 |
| 30 | 2.30% | ¥121,212 | ¥43,636,466 | ¥12,136,466 |
| 30 | 2.40% | ¥122,832 | ¥44,219,351 | ¥12,719,351 |
| 30 | 2.50% | ¥124,463 | ¥44,806,710 | ¥13,306,710 |
| 30 | 2.60% | ¥126,107 | ¥45,398,523 | ¥13,898,523 |
| 30 | 2.70% | ¥127,763 | ¥45,994,770 | ¥14,494,770 |
| 30 | 2.80% | ¥129,432 | ¥46,595,430 | ¥15,095,430 |
| 30 | 2.90% | ¥131,112 | ¥47,200,480 | ¥15,700,480 |
| 30 | 3.00% | ¥132,805 | ¥47,809,897 | ¥16,309,897 |
3150万円｜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% | ¥114,486 | ¥34,345,763 | ¥2,845,763 |
| 25 | 0.80% | ¥115,885 | ¥34,765,394 | ¥3,265,394 |
| 25 | 0.90% | ¥117,294 | ¥35,188,290 | ¥3,688,290 |
| 25 | 1.00% | ¥118,715 | ¥35,614,447 | ¥4,114,447 |
| 25 | 1.10% | ¥120,146 | ¥36,043,861 | ¥4,543,861 |
| 25 | 1.20% | ¥121,588 | ¥36,476,526 | ¥4,976,526 |
| 25 | 1.30% | ¥123,041 | ¥36,912,439 | ¥5,412,439 |
| 25 | 1.40% | ¥124,505 | ¥37,351,593 | ¥5,851,593 |
| 25 | 1.50% | ¥125,980 | ¥37,793,983 | ¥6,293,983 |
| 25 | 1.60% | ¥127,465 | ¥38,239,602 | ¥6,739,602 |
| 25 | 1.70% | ¥128,961 | ¥38,688,444 | ¥7,188,444 |
| 25 | 1.80% | ¥130,468 | ¥39,140,502 | ¥7,640,502 |
| 25 | 1.90% | ¥131,986 | ¥39,595,768 | ¥8,095,768 |
| 25 | 2.00% | ¥133,514 | ¥40,054,235 | ¥8,554,235 |
| 25 | 2.10% | ¥135,053 | ¥40,515,894 | ¥9,015,894 |
| 25 | 2.20% | ¥136,602 | ¥40,980,738 | ¥9,480,738 |
| 25 | 2.30% | ¥138,163 | ¥41,448,756 | ¥9,948,756 |
| 25 | 2.40% | ¥139,733 | ¥41,919,941 | ¥10,419,941 |
| 25 | 2.50% | ¥141,314 | ¥42,394,281 | ¥10,894,281 |
| 25 | 2.60% | ¥142,906 | ¥42,871,768 | ¥11,371,768 |
| 25 | 2.70% | ¥144,508 | ¥43,352,392 | ¥11,852,392 |
| 25 | 2.80% | ¥146,120 | ¥43,836,140 | ¥12,336,140 |
| 25 | 2.90% | ¥147,743 | ¥44,323,003 | ¥12,823,003 |
| 25 | 3.00% | ¥149,377 | ¥44,812,969 | ¥13,312,969 |
3150万円｜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% | ¥140,690 | ¥33,765,605 | ¥2,265,605 |
| 20 | 0.80% | ¥142,074 | ¥34,097,648 | ¥2,597,648 |
| 20 | 0.90% | ¥143,466 | ¥34,431,783 | ¥2,931,783 |
| 20 | 1.00% | ¥144,867 | ¥34,768,010 | ¥3,268,010 |
| 20 | 1.10% | ¥146,276 | ¥35,106,325 | ¥3,606,325 |
| 20 | 1.20% | ¥147,695 | ¥35,446,727 | ¥3,946,727 |
| 20 | 1.30% | ¥149,122 | ¥35,789,214 | ¥4,289,214 |
| 20 | 1.40% | ¥150,557 | ¥36,133,784 | ¥4,633,784 |
| 20 | 1.50% | ¥152,002 | ¥36,480,433 | ¥4,980,433 |
| 20 | 1.60% | ¥153,455 | ¥36,829,160 | ¥5,329,160 |
| 20 | 1.70% | ¥154,917 | ¥37,179,961 | ¥5,679,961 |
| 20 | 1.80% | ¥156,387 | ¥37,532,833 | ¥6,032,833 |
| 20 | 1.90% | ¥157,866 | ¥37,887,774 | ¥6,387,774 |
| 20 | 2.00% | ¥159,353 | ¥38,244,780 | ¥6,744,780 |
| 20 | 2.10% | ¥160,849 | ¥38,603,848 | ¥7,103,848 |
| 20 | 2.20% | ¥162,354 | ¥38,964,973 | ¥7,464,973 |
| 20 | 2.30% | ¥163,867 | ¥39,328,153 | ¥7,828,153 |
| 20 | 2.40% | ¥165,389 | ¥39,693,383 | ¥8,193,383 |
| 20 | 2.50% | ¥166,919 | ¥40,060,659 | ¥8,560,659 |
| 20 | 2.60% | ¥168,458 | ¥40,429,977 | ¥8,929,977 |
| 20 | 2.70% | ¥170,006 | ¥40,801,332 | ¥9,301,332 |
| 20 | 2.80% | ¥171,561 | ¥41,174,721 | ¥9,674,721 |
| 20 | 2.90% | ¥173,126 | ¥41,550,138 | ¥10,050,138 |
| 20 | 3.00% | ¥174,698 | ¥41,927,578 | ¥10,427,578 |
3150万円｜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% | ¥184,399 | ¥33,191,863 | ¥1,691,863 |
| 15 | 0.80% | ¥185,768 | ¥33,438,277 | ¥1,938,277 |
| 15 | 0.90% | ¥187,144 | ¥33,685,869 | ¥2,185,869 |
| 15 | 1.00% | ¥188,526 | ¥33,934,639 | ¥2,434,639 |
| 15 | 1.10% | ¥189,914 | ¥34,184,586 | ¥2,684,586 |
| 15 | 1.20% | ¥191,309 | ¥34,435,709 | ¥2,935,709 |
| 15 | 1.30% | ¥192,711 | ¥34,688,008 | ¥3,188,008 |
| 15 | 1.40% | ¥194,119 | ¥34,941,482 | ¥3,441,482 |
| 15 | 1.50% | ¥195,534 | ¥35,196,129 | ¥3,696,129 |
| 15 | 1.60% | ¥196,955 | ¥35,451,950 | ¥3,951,950 |
| 15 | 1.70% | ¥198,383 | ¥35,708,943 | ¥4,208,943 |
| 15 | 1.80% | ¥199,817 | ¥35,967,107 | ¥4,467,107 |
| 15 | 1.90% | ¥201,258 | ¥36,226,441 | ¥4,726,441 |
| 15 | 2.00% | ¥202,705 | ¥36,486,943 | ¥4,986,943 |
| 15 | 2.10% | ¥204,159 | ¥36,748,614 | ¥5,248,614 |
| 15 | 2.20% | ¥205,619 | ¥37,011,451 | ¥5,511,451 |
| 15 | 2.30% | ¥207,086 | ¥37,275,453 | ¥5,775,453 |
| 15 | 2.40% | ¥208,559 | ¥37,540,619 | ¥6,040,619 |
| 15 | 2.50% | ¥210,039 | ¥37,806,948 | ¥6,306,948 |
| 15 | 2.60% | ¥211,525 | ¥38,074,438 | ¥6,574,438 |
| 15 | 2.70% | ¥213,017 | ¥38,343,088 | ¥6,843,088 |
| 15 | 2.80% | ¥214,516 | ¥38,612,895 | ¥7,112,895 |
| 15 | 2.90% | ¥216,021 | ¥38,883,860 | ¥7,383,860 |
| 15 | 3.00% | ¥217,533 | ¥39,155,979 | ¥7,655,979 |
3150万円｜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% | ¥271,871 | ¥32,624,544 | ¥1,124,544 |
| 10 | 0.80% | ¥273,227 | ¥32,787,291 | ¥1,287,291 |
| 10 | 0.90% | ¥274,588 | ¥32,950,563 | ¥1,450,563 |
| 10 | 1.00% | ¥275,953 | ¥33,114,358 | ¥1,614,358 |
| 10 | 1.10% | ¥277,322 | ¥33,278,677 | ¥1,778,677 |
| 10 | 1.20% | ¥278,696 | ¥33,443,519 | ¥1,943,519 |
| 10 | 1.30% | ¥280,074 | ¥33,608,885 | ¥2,108,885 |
| 10 | 1.40% | ¥281,456 | ¥33,774,775 | ¥2,274,775 |
| 10 | 1.50% | ¥282,843 | ¥33,941,187 | ¥2,441,187 |
| 10 | 1.60% | ¥284,234 | ¥34,108,122 | ¥2,608,122 |
| 10 | 1.70% | ¥285,630 | ¥34,275,580 | ¥2,775,580 |
| 10 | 1.80% | ¥287,030 | ¥34,443,560 | ¥2,943,560 |
| 10 | 1.90% | ¥288,434 | ¥34,612,062 | ¥3,112,062 |
| 10 | 2.00% | ¥289,842 | ¥34,781,086 | ¥3,281,086 |
| 10 | 2.10% | ¥291,255 | ¥34,950,631 | ¥3,450,631 |
| 10 | 2.20% | ¥292,672 | ¥35,120,698 | ¥3,620,698 |
| 10 | 2.30% | ¥294,094 | ¥35,291,286 | ¥3,791,286 |
| 10 | 2.40% | ¥295,520 | ¥35,462,394 | ¥3,962,394 |
| 10 | 2.50% | ¥296,950 | ¥35,634,023 | ¥4,134,023 |
| 10 | 2.60% | ¥298,385 | ¥35,806,172 | ¥4,306,172 |
| 10 | 2.70% | ¥299,824 | ¥35,978,840 | ¥4,478,840 |
| 10 | 2.80% | ¥301,267 | ¥36,152,029 | ¥4,652,029 |
| 10 | 2.90% | ¥302,714 | ¥36,325,736 | ¥4,825,736 |
| 10 | 3.00% | ¥304,166 | ¥36,499,961 | ¥4,999,961 |
