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 |
