3180万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。3180万円の住宅ローンが、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。
3180万円の住宅ローン｜期間・年数別
3180万円｜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% |
¥62,830 |
¥37,698,144 |
¥5,898,144 |
| 50 |
0.80% |
¥64,322 |
¥38,593,332 |
¥6,793,332 |
| 50 |
0.90% |
¥65,836 |
¥39,501,547 |
¥7,701,547 |
| 50 |
1.00% |
¥67,371 |
¥40,422,732 |
¥8,622,732 |
| 50 |
1.10% |
¥68,928 |
¥41,356,823 |
¥9,556,823 |
| 50 |
1.20% |
¥70,506 |
¥42,303,754 |
¥10,503,754 |
| 50 |
1.30% |
¥72,106 |
¥43,263,448 |
¥11,463,448 |
| 50 |
1.40% |
¥73,726 |
¥44,235,826 |
¥12,435,826 |
| 50 |
1.50% |
¥75,368 |
¥45,220,801 |
¥13,420,801 |
| 50 |
1.60% |
¥77,030 |
¥46,218,282 |
¥14,418,282 |
| 50 |
1.70% |
¥78,714 |
¥47,228,172 |
¥15,428,172 |
| 50 |
1.80% |
¥80,417 |
¥48,250,369 |
¥16,450,369 |
| 50 |
1.90% |
¥82,141 |
¥49,284,766 |
¥17,484,766 |
| 50 |
2.00% |
¥83,885 |
¥50,331,252 |
¥18,531,252 |
| 50 |
2.10% |
¥85,650 |
¥51,389,710 |
¥19,589,710 |
| 50 |
2.20% |
¥87,433 |
¥52,460,019 |
¥20,660,019 |
| 50 |
2.30% |
¥89,237 |
¥53,542,053 |
¥21,742,053 |
| 50 |
2.40% |
¥91,059 |
¥54,635,685 |
¥22,835,685 |
| 50 |
2.50% |
¥92,901 |
¥55,740,780 |
¥23,940,780 |
| 50 |
2.60% |
¥94,762 |
¥56,857,202 |
¥25,057,202 |
| 50 |
2.70% |
¥96,641 |
¥57,984,810 |
¥26,184,810 |
| 50 |
2.80% |
¥98,539 |
¥59,123,462 |
¥27,323,462 |
| 50 |
2.90% |
¥100,455 |
¥60,273,011 |
¥28,473,011 |
| 50 |
3.00% |
¥102,389 |
¥61,433,307 |
¥29,633,307 |
3180万円｜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% |
¥68,667 |
¥37,080,210 |
¥5,280,210 |
| 45 |
0.80% |
¥70,143 |
¥37,877,186 |
¥6,077,186 |
| 45 |
0.90% |
¥71,638 |
¥38,684,745 |
¥6,884,745 |
| 45 |
1.00% |
¥73,153 |
¥39,502,850 |
¥7,702,850 |
| 45 |
1.10% |
¥74,688 |
¥40,331,459 |
¥8,531,459 |
| 45 |
1.20% |
¥76,242 |
¥41,170,527 |
¥9,370,527 |
| 45 |
1.30% |
¥77,815 |
¥42,020,005 |
¥10,220,005 |
| 45 |
1.40% |
¥79,407 |
¥42,879,838 |
¥11,079,838 |
| 45 |
1.50% |
¥81,018 |
¥43,749,970 |
¥11,949,970 |
| 45 |
1.60% |
¥82,649 |
¥44,630,339 |
¥12,830,339 |
| 45 |
1.70% |
¥84,298 |
¥45,520,881 |
¥13,720,881 |
| 45 |
1.80% |
¥85,966 |
¥46,421,528 |
¥14,621,528 |
| 45 |
1.90% |
¥87,652 |
¥47,332,208 |
¥15,532,208 |
| 45 |
2.00% |
¥89,357 |
¥48,252,846 |
¥16,452,846 |
| 45 |
2.10% |
¥91,080 |
¥49,183,364 |
¥17,383,364 |
| 45 |
2.20% |
¥92,822 |
¥50,123,680 |
¥18,323,680 |
| 45 |
2.30% |
¥94,581 |
¥51,073,711 |
¥19,273,711 |
| 45 |
2.40% |
¥96,358 |
¥52,033,368 |
¥20,233,368 |
| 45 |
2.50% |
¥98,153 |
¥53,002,561 |
¥21,202,561 |
| 45 |
2.60% |
¥99,965 |
¥53,981,198 |
¥22,181,198 |
| 45 |
2.70% |
¥101,795 |
¥54,969,182 |
¥23,169,182 |
| 45 |
2.80% |
¥103,642 |
¥55,966,417 |
¥24,166,417 |
| 45 |
2.90% |
¥105,505 |
¥56,972,801 |
¥25,172,801 |
| 45 |
3.00% |
¥107,386 |
¥57,988,231 |
¥26,188,231 |
3180万円｜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% |
¥75,976 |
¥36,468,703 |
¥4,668,703 |
| 40 |
0.80% |
¥77,436 |
¥37,169,407 |
¥5,369,407 |
| 40 |
0.90% |
¥78,914 |
¥37,878,496 |
¥6,078,496 |
| 40 |
1.00% |
¥80,408 |
¥38,595,947 |
¥6,795,947 |
| 40 |
1.10% |
¥81,920 |
¥39,321,732 |
¥7,521,732 |
| 40 |
1.20% |
¥83,450 |
¥40,055,824 |
¥8,255,824 |
| 40 |
1.30% |
¥84,996 |
¥40,798,191 |
¥8,998,191 |
| 40 |
1.40% |
¥86,560 |
¥41,548,798 |
¥9,748,798 |
| 40 |
1.50% |
¥88,141 |
¥42,307,610 |
¥10,507,610 |
| 40 |
1.60% |
¥89,739 |
¥43,074,588 |
¥11,274,588 |
| 40 |
1.70% |
¥91,354 |
¥43,849,692 |
¥12,049,692 |
| 40 |
1.80% |
¥92,985 |
¥44,632,876 |
¥12,832,876 |
| 40 |
1.90% |
¥94,634 |
¥45,424,097 |
¥13,624,097 |
| 40 |
2.00% |
¥96,299 |
¥46,223,306 |
¥14,423,306 |
| 40 |
2.10% |
¥97,980 |
¥47,030,452 |
¥15,230,452 |
| 40 |
2.20% |
¥99,678 |
¥47,845,485 |
¥16,045,485 |
| 40 |
2.30% |
¥101,392 |
¥48,668,350 |
¥16,868,350 |
| 40 |
2.40% |
¥103,123 |
¥49,498,991 |
¥17,698,991 |
| 40 |
2.50% |
¥104,869 |
¥50,337,349 |
¥18,537,349 |
| 40 |
2.60% |
¥106,632 |
¥51,183,364 |
¥19,383,364 |
| 40 |
2.70% |
¥108,410 |
¥52,036,976 |
¥20,236,976 |
| 40 |
2.80% |
¥110,204 |
¥52,898,120 |
¥21,098,120 |
| 40 |
2.90% |
¥112,014 |
¥53,766,731 |
¥21,966,731 |
| 40 |
3.00% |
¥113,839 |
¥54,642,742 |
¥22,842,742 |
3180万円｜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% |
¥85,390 |
¥35,863,635 |
¥4,063,635 |
| 35 |
0.80% |
¥86,833 |
¥36,470,019 |
¥4,670,019 |
| 35 |
0.90% |
¥88,292 |
¥37,082,838 |
¥5,282,838 |
| 35 |
1.00% |
¥89,767 |
¥37,702,078 |
¥5,902,078 |
| 35 |
1.10% |
¥91,256 |
¥38,327,723 |
¥6,527,723 |
| 35 |
1.20% |
¥92,761 |
¥38,959,757 |
¥7,159,757 |
| 35 |
1.30% |
¥94,281 |
¥39,598,161 |
¥7,798,161 |
| 35 |
1.40% |
¥95,816 |
¥40,242,913 |
¥8,442,913 |
| 35 |
1.50% |
¥97,367 |
¥40,893,994 |
¥9,093,994 |
| 35 |
1.60% |
¥98,932 |
¥41,551,379 |
¥9,751,379 |
| 35 |
1.70% |
¥100,512 |
¥42,215,044 |
¥10,415,044 |
| 35 |
1.80% |
¥102,107 |
¥42,884,964 |
¥11,084,964 |
| 35 |
1.90% |
¥103,717 |
¥43,561,111 |
¥11,761,111 |
| 35 |
2.00% |
¥105,342 |
¥44,243,456 |
¥12,443,456 |
| 35 |
2.10% |
¥106,981 |
¥44,931,969 |
¥13,131,969 |
| 35 |
2.20% |
¥108,635 |
¥45,626,619 |
¥13,826,619 |
| 35 |
2.30% |
¥110,303 |
¥46,327,374 |
¥14,527,374 |
| 35 |
2.40% |
¥111,986 |
¥47,034,200 |
¥15,234,200 |
| 35 |
2.50% |
¥113,683 |
¥47,747,061 |
¥15,947,061 |
| 35 |
2.60% |
¥115,395 |
¥48,465,921 |
¥16,665,921 |
| 35 |
2.70% |
¥117,121 |
¥49,190,744 |
¥17,390,744 |
| 35 |
2.80% |
¥118,861 |
¥49,921,490 |
¥18,121,490 |
| 35 |
2.90% |
¥120,615 |
¥50,658,119 |
¥18,858,119 |
| 35 |
3.00% |
¥122,382 |
¥51,400,591 |
¥19,600,591 |
3180万円｜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% |
¥97,958 |
¥35,265,019 |
¥3,465,019 |
| 30 |
0.80% |
¥99,386 |
¥35,779,042 |
¥3,979,042 |
| 30 |
0.90% |
¥100,827 |
¥36,297,802 |
¥4,497,802 |
| 30 |
1.00% |
¥102,281 |
¥36,821,292 |
¥5,021,292 |
| 30 |
1.10% |
¥103,749 |
¥37,349,504 |
¥5,549,504 |
| 30 |
1.20% |
¥105,229 |
¥37,882,427 |
¥6,082,427 |
| 30 |
1.30% |
¥106,722 |
¥38,420,052 |
¥6,620,052 |
| 30 |
1.40% |
¥108,229 |
¥38,962,368 |
¥7,162,368 |
| 30 |
1.50% |
¥109,748 |
¥39,509,362 |
¥7,709,362 |
| 30 |
1.60% |
¥111,281 |
¥40,061,021 |
¥8,261,021 |
| 30 |
1.70% |
¥112,826 |
¥40,617,334 |
¥8,817,334 |
| 30 |
1.80% |
¥114,384 |
¥41,178,284 |
¥9,378,284 |
| 30 |
1.90% |
¥115,955 |
¥41,743,857 |
¥9,943,857 |
| 30 |
2.00% |
¥117,539 |
¥42,314,037 |
¥10,514,037 |
| 30 |
2.10% |
¥119,136 |
¥42,888,808 |
¥11,088,808 |
| 30 |
2.20% |
¥120,745 |
¥43,468,152 |
¥11,668,152 |
| 30 |
2.30% |
¥122,367 |
¥44,052,052 |
¥12,252,052 |
| 30 |
2.40% |
¥124,001 |
¥44,640,488 |
¥12,840,488 |
| 30 |
2.50% |
¥125,648 |
¥45,233,440 |
¥13,433,440 |
| 30 |
2.60% |
¥127,308 |
¥45,830,890 |
¥14,030,890 |
| 30 |
2.70% |
¥128,980 |
¥46,432,816 |
¥14,632,816 |
| 30 |
2.80% |
¥130,664 |
¥47,039,196 |
¥15,239,196 |
| 30 |
2.90% |
¥132,361 |
¥47,650,008 |
¥15,850,008 |
| 30 |
3.00% |
¥134,070 |
¥48,265,230 |
¥16,465,230 |
3180万円｜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% |
¥115,576 |
¥34,672,865 |
¥2,872,865 |
| 25 |
0.80% |
¥116,988 |
¥35,096,493 |
¥3,296,493 |
| 25 |
0.90% |
¥118,411 |
¥35,523,417 |
¥3,723,417 |
| 25 |
1.00% |
¥119,845 |
¥35,953,632 |
¥4,153,632 |
| 25 |
1.10% |
¥121,290 |
¥36,387,135 |
¥4,587,135 |
| 25 |
1.20% |
¥122,746 |
¥36,823,922 |
¥5,023,922 |
| 25 |
1.30% |
¥124,213 |
¥37,263,986 |
¥5,463,986 |
| 25 |
1.40% |
¥125,691 |
¥37,707,322 |
¥5,907,322 |
| 25 |
1.50% |
¥127,180 |
¥38,153,926 |
¥6,353,926 |
| 25 |
1.60% |
¥128,679 |
¥38,603,789 |
¥6,803,789 |
| 25 |
1.70% |
¥130,190 |
¥39,056,905 |
¥7,256,905 |
| 25 |
1.80% |
¥131,711 |
¥39,513,269 |
¥7,713,269 |
| 25 |
1.90% |
¥133,243 |
¥39,972,871 |
¥8,172,871 |
| 25 |
2.00% |
¥134,786 |
¥40,435,704 |
¥8,635,704 |
| 25 |
2.10% |
¥136,339 |
¥40,901,760 |
¥9,101,760 |
| 25 |
2.20% |
¥137,903 |
¥41,371,030 |
¥9,571,030 |
| 25 |
2.30% |
¥139,478 |
¥41,843,506 |
¥10,043,506 |
| 25 |
2.40% |
¥141,064 |
¥42,319,178 |
¥10,519,178 |
| 25 |
2.50% |
¥142,660 |
¥42,798,036 |
¥10,998,036 |
| 25 |
2.60% |
¥144,267 |
¥43,280,071 |
¥11,480,071 |
| 25 |
2.70% |
¥145,884 |
¥43,765,271 |
¥11,965,271 |
| 25 |
2.80% |
¥147,512 |
¥44,253,627 |
¥12,453,627 |
| 25 |
2.90% |
¥149,150 |
¥44,745,127 |
¥12,945,127 |
| 25 |
3.00% |
¥150,799 |
¥45,239,759 |
¥13,439,759 |
3180万円｜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% |
¥142,030 |
¥34,087,182 |
¥2,287,182 |
| 20 |
0.80% |
¥143,427 |
¥34,422,387 |
¥2,622,387 |
| 20 |
0.90% |
¥144,832 |
¥34,759,705 |
¥2,959,705 |
| 20 |
1.00% |
¥146,246 |
¥35,099,134 |
¥3,299,134 |
| 20 |
1.10% |
¥147,669 |
¥35,440,671 |
¥3,640,671 |
| 20 |
1.20% |
¥149,101 |
¥35,784,315 |
¥3,984,315 |
| 20 |
1.30% |
¥150,542 |
¥36,130,064 |
¥4,330,064 |
| 20 |
1.40% |
¥151,991 |
¥36,477,915 |
¥4,677,915 |
| 20 |
1.50% |
¥153,449 |
¥36,827,866 |
¥5,027,866 |
| 20 |
1.60% |
¥154,916 |
¥37,179,913 |
¥5,379,913 |
| 20 |
1.70% |
¥156,392 |
¥37,534,056 |
¥5,734,056 |
| 20 |
1.80% |
¥157,876 |
¥37,890,289 |
¥6,090,289 |
| 20 |
1.90% |
¥159,369 |
¥38,248,610 |
¥6,448,610 |
| 20 |
2.00% |
¥160,871 |
¥38,609,016 |
¥6,809,016 |
| 20 |
2.10% |
¥162,381 |
¥38,971,503 |
¥7,171,503 |
| 20 |
2.20% |
¥163,900 |
¥39,336,068 |
¥7,536,068 |
| 20 |
2.30% |
¥165,428 |
¥39,702,707 |
¥7,902,707 |
| 20 |
2.40% |
¥166,964 |
¥40,071,415 |
¥8,271,415 |
| 20 |
2.50% |
¥168,509 |
¥40,442,189 |
¥8,642,189 |
| 20 |
2.60% |
¥170,063 |
¥40,815,024 |
¥9,015,024 |
| 20 |
2.70% |
¥171,625 |
¥41,189,916 |
¥9,389,916 |
| 20 |
2.80% |
¥173,195 |
¥41,566,861 |
¥9,766,861 |
| 20 |
2.90% |
¥174,774 |
¥41,945,854 |
¥10,145,854 |
| 20 |
3.00% |
¥176,362 |
¥42,326,889 |
¥10,526,889 |
3180万円｜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% |
¥186,155 |
¥33,507,976 |
¥1,707,976 |
| 15 |
0.80% |
¥187,537 |
¥33,756,737 |
¥1,956,737 |
| 15 |
0.90% |
¥188,926 |
¥34,006,687 |
¥2,206,687 |
| 15 |
1.00% |
¥190,321 |
¥34,257,826 |
¥2,457,826 |
| 15 |
1.10% |
¥191,723 |
¥34,510,153 |
¥2,710,153 |
| 15 |
1.20% |
¥193,131 |
¥34,763,668 |
¥2,963,668 |
| 15 |
1.30% |
¥194,546 |
¥35,018,370 |
¥3,218,370 |
| 15 |
1.40% |
¥195,968 |
¥35,274,258 |
¥3,474,258 |
| 15 |
1.50% |
¥197,396 |
¥35,531,330 |
¥3,731,330 |
| 15 |
1.60% |
¥198,831 |
¥35,789,588 |
¥3,989,588 |
| 15 |
1.70% |
¥200,272 |
¥36,049,028 |
¥4,249,028 |
| 15 |
1.80% |
¥201,720 |
¥36,309,651 |
¥4,509,651 |
| 15 |
1.90% |
¥203,175 |
¥36,571,454 |
¥4,771,454 |
| 15 |
2.00% |
¥204,636 |
¥36,834,438 |
¥5,034,438 |
| 15 |
2.10% |
¥206,103 |
¥37,098,601 |
¥5,298,601 |
| 15 |
2.20% |
¥207,577 |
¥37,363,941 |
¥5,563,941 |
| 15 |
2.30% |
¥209,058 |
¥37,630,457 |
¥5,830,457 |
| 15 |
2.40% |
¥210,545 |
¥37,898,149 |
¥6,098,149 |
| 15 |
2.50% |
¥212,039 |
¥38,167,014 |
¥6,367,014 |
| 15 |
2.60% |
¥213,539 |
¥38,437,052 |
¥6,637,052 |
| 15 |
2.70% |
¥215,046 |
¥38,708,260 |
¥6,908,260 |
| 15 |
2.80% |
¥216,559 |
¥38,980,637 |
¥7,180,637 |
| 15 |
2.90% |
¥218,079 |
¥39,254,182 |
¥7,454,182 |
| 15 |
3.00% |
¥219,605 |
¥39,528,893 |
¥7,728,893 |
3180万円｜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% |
¥274,460 |
¥32,935,254 |
¥1,135,254 |
| 10 |
0.80% |
¥275,830 |
¥33,099,551 |
¥1,299,551 |
| 10 |
0.90% |
¥277,203 |
¥33,264,378 |
¥1,464,378 |
| 10 |
1.00% |
¥278,581 |
¥33,429,733 |
¥1,629,733 |
| 10 |
1.10% |
¥279,963 |
¥33,595,617 |
¥1,795,617 |
| 10 |
1.20% |
¥281,350 |
¥33,762,029 |
¥1,962,029 |
| 10 |
1.30% |
¥282,741 |
¥33,928,970 |
¥2,128,970 |
| 10 |
1.40% |
¥284,137 |
¥34,096,439 |
¥2,296,439 |
| 10 |
1.50% |
¥285,537 |
¥34,264,436 |
¥2,464,436 |
| 10 |
1.60% |
¥286,941 |
¥34,432,961 |
¥2,632,961 |
| 10 |
1.70% |
¥288,350 |
¥34,602,014 |
¥2,802,014 |
| 10 |
1.80% |
¥289,763 |
¥34,771,593 |
¥2,971,593 |
| 10 |
1.90% |
¥291,181 |
¥34,941,700 |
¥3,141,700 |
| 10 |
2.00% |
¥292,603 |
¥35,112,334 |
¥3,312,334 |
| 10 |
2.10% |
¥294,029 |
¥35,283,494 |
¥3,483,494 |
| 10 |
2.20% |
¥295,460 |
¥35,455,181 |
¥3,655,181 |
| 10 |
2.30% |
¥296,895 |
¥35,627,393 |
¥3,827,393 |
| 10 |
2.40% |
¥298,334 |
¥35,800,131 |
¥4,000,131 |
| 10 |
2.50% |
¥299,778 |
¥35,973,394 |
¥4,173,394 |
| 10 |
2.60% |
¥301,227 |
¥36,147,183 |
¥4,347,183 |
| 10 |
2.70% |
¥302,679 |
¥36,321,496 |
¥4,521,496 |
| 10 |
2.80% |
¥304,136 |
¥36,496,334 |
¥4,696,334 |
| 10 |
2.90% |
¥305,597 |
¥36,671,695 |
¥4,871,695 |
| 10 |
3.00% |
¥307,063 |
¥36,847,580 |
¥5,047,580 |
