3190万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。3190万円の住宅ローンが、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。
3190万円の住宅ローン｜期間・年数別
3190万円｜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% | ¥63,028 | ¥37,816,692 | ¥5,916,692 |
| 50 | 0.80% | ¥64,524 | ¥38,714,695 | ¥6,814,695 |
| 50 | 0.90% | ¥66,043 | ¥39,625,766 | ¥7,725,766 |
| 50 | 1.00% | ¥67,583 | ¥40,549,847 | ¥8,649,847 |
| 50 | 1.10% | ¥69,145 | ¥41,486,876 | ¥9,586,876 |
| 50 | 1.20% | ¥70,728 | ¥42,436,784 | ¥10,536,784 |
| 50 | 1.30% | ¥72,332 | ¥43,399,496 | ¥11,499,496 |
| 50 | 1.40% | ¥73,958 | ¥44,374,932 | ¥12,474,932 |
| 50 | 1.50% | ¥75,605 | ¥45,363,004 | ¥13,463,004 |
| 50 | 1.60% | ¥77,273 | ¥46,363,622 | ¥14,463,622 |
| 50 | 1.70% | ¥78,961 | ¥47,376,688 | ¥15,476,688 |
| 50 | 1.80% | ¥80,670 | ¥48,402,100 | ¥16,502,100 |
| 50 | 1.90% | ¥82,400 | ¥49,439,750 | ¥17,539,750 |
| 50 | 2.00% | ¥84,149 | ¥50,489,526 | ¥18,589,526 |
| 50 | 2.10% | ¥85,919 | ¥51,551,313 | ¥19,651,313 |
| 50 | 2.20% | ¥87,708 | ¥52,624,987 | ¥20,724,987 |
| 50 | 2.30% | ¥89,517 | ¥53,710,424 | ¥21,810,424 |
| 50 | 2.40% | ¥91,346 | ¥54,807,495 | ¥22,907,495 |
| 50 | 2.50% | ¥93,193 | ¥55,916,065 | ¥24,016,065 |
| 50 | 2.60% | ¥95,060 | ¥57,035,998 | ¥25,135,998 |
| 50 | 2.70% | ¥96,945 | ¥58,167,152 | ¥26,267,152 |
| 50 | 2.80% | ¥98,849 | ¥59,309,385 | ¥27,409,385 |
| 50 | 2.90% | ¥100,771 | ¥60,462,548 | ¥28,562,548 |
| 50 | 3.00% | ¥102,711 | ¥61,626,493 | ¥29,726,493 |
3190万円｜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% | ¥68,883 | ¥37,196,815 | ¥5,296,815 |
| 45 | 0.80% | ¥70,364 | ¥37,996,296 | ¥6,096,296 |
| 45 | 0.90% | ¥71,864 | ¥38,806,395 | ¥6,906,395 |
| 45 | 1.00% | ¥73,383 | ¥39,627,072 | ¥7,727,072 |
| 45 | 1.10% | ¥74,923 | ¥40,458,287 | ¥8,558,287 |
| 45 | 1.20% | ¥76,481 | ¥41,299,994 | ¥9,399,994 |
| 45 | 1.30% | ¥78,060 | ¥42,152,143 | ¥10,252,143 |
| 45 | 1.40% | ¥79,657 | ¥43,014,680 | ¥11,114,680 |
| 45 | 1.50% | ¥81,273 | ¥43,887,548 | ¥11,987,548 |
| 45 | 1.60% | ¥82,909 | ¥44,770,686 | ¥12,870,686 |
| 45 | 1.70% | ¥84,563 | ¥45,664,028 | ¥13,764,028 |
| 45 | 1.80% | ¥86,236 | ¥46,567,508 | ¥14,667,508 |
| 45 | 1.90% | ¥87,928 | ¥47,481,051 | ¥15,581,051 |
| 45 | 2.00% | ¥89,638 | ¥48,404,584 | ¥16,504,584 |
| 45 | 2.10% | ¥91,367 | ¥49,338,029 | ¥17,438,029 |
| 45 | 2.20% | ¥93,114 | ¥50,281,302 | ¥18,381,302 |
| 45 | 2.30% | ¥94,878 | ¥51,234,320 | ¥19,334,320 |
| 45 | 2.40% | ¥96,661 | ¥52,196,995 | ¥20,296,995 |
| 45 | 2.50% | ¥98,462 | ¥53,169,236 | ¥21,269,236 |
| 45 | 2.60% | ¥100,280 | ¥54,150,950 | ¥22,250,950 |
| 45 | 2.70% | ¥102,115 | ¥55,142,041 | ¥23,242,041 |
| 45 | 2.80% | ¥103,967 | ¥56,142,412 | ¥24,242,412 |
| 45 | 2.90% | ¥105,837 | ¥57,151,960 | ¥25,251,960 |
| 45 | 3.00% | ¥107,723 | ¥58,170,584 | ¥26,270,584 |
3190万円｜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% | ¥76,215 | ¥36,583,384 | ¥4,683,384 |
| 40 | 0.80% | ¥77,680 | ¥37,286,292 | ¥5,386,292 |
| 40 | 0.90% | ¥79,162 | ¥37,997,611 | ¥6,097,611 |
| 40 | 1.00% | ¥80,661 | ¥38,717,318 | ¥6,817,318 |
| 40 | 1.10% | ¥82,178 | ¥39,445,385 | ¥7,545,385 |
| 40 | 1.20% | ¥83,712 | ¥40,181,786 | ¥8,281,786 |
| 40 | 1.30% | ¥85,264 | ¥40,926,487 | ¥9,026,487 |
| 40 | 1.40% | ¥86,832 | ¥41,679,455 | ¥9,779,455 |
| 40 | 1.50% | ¥88,418 | ¥42,440,653 | ¥10,540,653 |
| 40 | 1.60% | ¥90,021 | ¥43,210,043 | ¥11,310,043 |
| 40 | 1.70% | ¥91,641 | ¥43,987,584 | ¥12,087,584 |
| 40 | 1.80% | ¥93,278 | ¥44,773,231 | ¥12,873,231 |
| 40 | 1.90% | ¥94,931 | ¥45,566,940 | ¥13,666,940 |
| 40 | 2.00% | ¥96,601 | ¥46,368,662 | ¥14,468,662 |
| 40 | 2.10% | ¥98,288 | ¥47,178,347 | ¥15,278,347 |
| 40 | 2.20% | ¥99,992 | ¥47,995,943 | ¥16,095,943 |
| 40 | 2.30% | ¥101,711 | ¥48,821,395 | ¥16,921,395 |
| 40 | 2.40% | ¥103,447 | ¥49,654,648 | ¥17,754,648 |
| 40 | 2.50% | ¥105,199 | ¥50,495,642 | ¥18,595,642 |
| 40 | 2.60% | ¥106,967 | ¥51,344,318 | ¥19,444,318 |
| 40 | 2.70% | ¥108,751 | ¥52,200,614 | ¥20,300,614 |
| 40 | 2.80% | ¥110,551 | ¥53,064,466 | ¥21,164,466 |
| 40 | 2.90% | ¥112,366 | ¥53,935,809 | ¥22,035,809 |
| 40 | 3.00% | ¥114,197 | ¥54,814,575 | ¥22,914,575 |
3190万円｜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% | ¥85,658 | ¥35,976,414 | ¥4,076,414 |
| 35 | 0.80% | ¥87,106 | ¥36,584,704 | ¥4,684,704 |
| 35 | 0.90% | ¥88,570 | ¥37,199,451 | ¥5,299,451 |
| 35 | 1.00% | ¥90,049 | ¥37,820,638 | ¥5,920,638 |
| 35 | 1.10% | ¥91,543 | ¥38,448,251 | ¥6,548,251 |
| 35 | 1.20% | ¥93,053 | ¥39,082,272 | ¥7,182,272 |
| 35 | 1.30% | ¥94,578 | ¥39,722,683 | ¥7,822,683 |
| 35 | 1.40% | ¥96,118 | ¥40,369,463 | ¥8,469,463 |
| 35 | 1.50% | ¥97,673 | ¥41,022,591 | ¥9,122,591 |
| 35 | 1.60% | ¥99,243 | ¥41,682,044 | ¥9,782,044 |
| 35 | 1.70% | ¥100,828 | ¥42,347,796 | ¥10,447,796 |
| 35 | 1.80% | ¥102,428 | ¥43,019,822 | ¥11,119,822 |
| 35 | 1.90% | ¥104,043 | ¥43,698,095 | ¥11,798,095 |
| 35 | 2.00% | ¥105,673 | ¥44,382,586 | ¥12,482,586 |
| 35 | 2.10% | ¥107,317 | ¥45,073,264 | ¥13,173,264 |
| 35 | 2.20% | ¥108,976 | ¥45,770,099 | ¥13,870,099 |
| 35 | 2.30% | ¥110,650 | ¥46,473,058 | ¥14,573,058 |
| 35 | 2.40% | ¥112,338 | ¥47,182,106 | ¥15,282,106 |
| 35 | 2.50% | ¥114,041 | ¥47,897,209 | ¥15,997,209 |
| 35 | 2.60% | ¥115,758 | ¥48,618,330 | ¥16,718,330 |
| 35 | 2.70% | ¥117,489 | ¥49,345,432 | ¥17,445,432 |
| 35 | 2.80% | ¥119,234 | ¥50,078,476 | ¥18,178,476 |
| 35 | 2.90% | ¥120,994 | ¥50,817,421 | ¥18,917,421 |
| 35 | 3.00% | ¥122,767 | ¥51,562,228 | ¥19,662,228 |
3190万円｜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% | ¥98,266 | ¥35,375,916 | ¥3,475,916 |
| 30 | 0.80% | ¥99,699 | ¥35,891,554 | ¥3,991,554 |
| 30 | 0.90% | ¥101,144 | ¥36,411,946 | ¥4,511,946 |
| 30 | 1.00% | ¥102,603 | ¥36,937,083 | ¥5,037,083 |
| 30 | 1.10% | ¥104,075 | ¥37,466,955 | ¥5,566,955 |
| 30 | 1.20% | ¥105,560 | ¥38,001,554 | ¥6,101,554 |
| 30 | 1.30% | ¥107,058 | ¥38,540,870 | ¥6,640,870 |
| 30 | 1.40% | ¥108,569 | ¥39,084,891 | ¥7,184,891 |
| 30 | 1.50% | ¥110,093 | ¥39,633,605 | ¥7,733,605 |
| 30 | 1.60% | ¥111,631 | ¥40,187,000 | ¥8,287,000 |
| 30 | 1.70% | ¥113,181 | ¥40,745,061 | ¥8,845,061 |
| 30 | 1.80% | ¥114,744 | ¥41,307,775 | ¥9,407,775 |
| 30 | 1.90% | ¥116,320 | ¥41,875,127 | ¥9,975,127 |
| 30 | 2.00% | ¥117,909 | ¥42,447,100 | ¥10,547,100 |
| 30 | 2.10% | ¥119,510 | ¥43,023,679 | ¥11,123,679 |
| 30 | 2.20% | ¥121,125 | ¥43,604,845 | ¥11,704,845 |
| 30 | 2.30% | ¥122,752 | ¥44,190,580 | ¥12,290,580 |
| 30 | 2.40% | ¥124,391 | ¥44,780,867 | ¥12,880,867 |
| 30 | 2.50% | ¥126,044 | ¥45,375,684 | ¥13,475,684 |
| 30 | 2.60% | ¥127,708 | ¥45,975,012 | ¥14,075,012 |
| 30 | 2.70% | ¥129,386 | ¥46,578,831 | ¥14,678,831 |
| 30 | 2.80% | ¥131,075 | ¥47,187,118 | ¥15,287,118 |
| 30 | 2.90% | ¥132,777 | ¥47,799,851 | ¥15,899,851 |
| 30 | 3.00% | ¥134,492 | ¥48,417,007 | ¥16,517,007 |
3190万円｜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% | ¥115,940 | ¥34,781,899 | ¥2,881,899 |
| 25 | 0.80% | ¥117,356 | ¥35,206,859 | ¥3,306,859 |
| 25 | 0.90% | ¥118,784 | ¥35,635,125 | ¥3,735,125 |
| 25 | 1.00% | ¥120,222 | ¥36,066,694 | ¥4,166,694 |
| 25 | 1.10% | ¥121,672 | ¥36,501,560 | ¥4,601,560 |
| 25 | 1.20% | ¥123,132 | ¥36,939,720 | ¥5,039,720 |
| 25 | 1.30% | ¥124,604 | ¥37,381,168 | ¥5,481,168 |
| 25 | 1.40% | ¥126,086 | ¥37,825,899 | ¥5,925,899 |
| 25 | 1.50% | ¥127,580 | ¥38,273,906 | ¥6,373,906 |
| 25 | 1.60% | ¥129,084 | ¥38,725,184 | ¥6,825,184 |
| 25 | 1.70% | ¥130,599 | ¥39,179,726 | ¥7,279,726 |
| 25 | 1.80% | ¥132,125 | ¥39,637,524 | ¥7,737,524 |
| 25 | 1.90% | ¥133,662 | ¥40,098,572 | ¥8,198,572 |
| 25 | 2.00% | ¥135,210 | ¥40,562,860 | ¥8,662,860 |
| 25 | 2.10% | ¥136,768 | ¥41,030,382 | ¥9,130,382 |
| 25 | 2.20% | ¥138,337 | ¥41,501,128 | ¥9,601,128 |
| 25 | 2.30% | ¥139,917 | ¥41,975,090 | ¥10,075,090 |
| 25 | 2.40% | ¥141,508 | ¥42,452,257 | ¥10,552,257 |
| 25 | 2.50% | ¥143,109 | ¥42,932,621 | ¥11,032,621 |
| 25 | 2.60% | ¥144,721 | ¥43,416,172 | ¥11,516,172 |
| 25 | 2.70% | ¥146,343 | ¥43,902,898 | ¥12,002,898 |
| 25 | 2.80% | ¥147,976 | ¥44,392,789 | ¥12,492,789 |
| 25 | 2.90% | ¥149,619 | ¥44,885,835 | ¥12,985,835 |
| 25 | 3.00% | ¥151,273 | ¥45,382,023 | ¥13,482,023 |
3190万円｜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% | ¥142,477 | ¥34,194,374 | ¥2,294,374 |
| 20 | 0.80% | ¥143,878 | ¥34,530,634 | ¥2,630,634 |
| 20 | 0.90% | ¥145,288 | ¥34,869,012 | ¥2,969,012 |
| 20 | 1.00% | ¥146,706 | ¥35,209,508 | ¥3,309,508 |
| 20 | 1.10% | ¥148,134 | ¥35,552,119 | ¥3,652,119 |
| 20 | 1.20% | ¥149,570 | ¥35,896,844 | ¥3,996,844 |
| 20 | 1.30% | ¥151,015 | ¥36,243,680 | ¥4,343,680 |
| 20 | 1.40% | ¥152,469 | ¥36,592,625 | ¥4,692,625 |
| 20 | 1.50% | ¥153,932 | ¥36,943,677 | ¥5,043,677 |
| 20 | 1.60% | ¥155,403 | ¥37,296,831 | ¥5,396,831 |
| 20 | 1.70% | ¥156,884 | ¥37,652,087 | ¥5,752,087 |
| 20 | 1.80% | ¥158,373 | ¥38,009,441 | ¥6,109,441 |
| 20 | 1.90% | ¥159,870 | ¥38,368,889 | ¥6,468,889 |
| 20 | 2.00% | ¥161,377 | ¥38,730,428 | ¥6,830,428 |
| 20 | 2.10% | ¥162,892 | ¥39,094,055 | ¥7,194,055 |
| 20 | 2.20% | ¥164,416 | ¥39,459,766 | ¥7,559,766 |
| 20 | 2.30% | ¥165,948 | ¥39,827,558 | ¥7,927,558 |
| 20 | 2.40% | ¥167,489 | ¥40,197,426 | ¥8,297,426 |
| 20 | 2.50% | ¥169,039 | ¥40,569,365 | ¥8,669,365 |
| 20 | 2.60% | ¥170,597 | ¥40,943,373 | ¥9,043,373 |
| 20 | 2.70% | ¥172,164 | ¥41,319,444 | ¥9,419,444 |
| 20 | 2.80% | ¥173,740 | ¥41,697,575 | ¥9,797,575 |
| 20 | 2.90% | ¥175,324 | ¥42,077,759 | ¥10,177,759 |
| 20 | 3.00% | ¥176,917 | ¥42,459,992 | ¥10,559,992 |
3190万円｜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% | ¥186,741 | ¥33,613,347 | ¥1,713,347 |
| 15 | 0.80% | ¥188,127 | ¥33,862,890 | ¥1,962,890 |
| 15 | 0.90% | ¥189,520 | ¥34,113,626 | ¥2,213,626 |
| 15 | 1.00% | ¥190,920 | ¥34,365,555 | ¥2,465,555 |
| 15 | 1.10% | ¥192,326 | ¥34,618,676 | ¥2,718,676 |
| 15 | 1.20% | ¥193,739 | ¥34,872,988 | ¥2,972,988 |
| 15 | 1.30% | ¥195,158 | ¥35,128,491 | ¥3,228,491 |
| 15 | 1.40% | ¥196,584 | ¥35,385,183 | ¥3,485,183 |
| 15 | 1.50% | ¥198,017 | ¥35,643,064 | ¥3,743,064 |
| 15 | 1.60% | ¥199,456 | ¥35,902,133 | ¥4,002,133 |
| 15 | 1.70% | ¥200,902 | ¥36,162,390 | ¥4,262,390 |
| 15 | 1.80% | ¥202,355 | ¥36,423,832 | ¥4,523,832 |
| 15 | 1.90% | ¥203,814 | ¥36,686,459 | ¥4,786,459 |
| 15 | 2.00% | ¥205,279 | ¥36,950,270 | ¥5,050,270 |
| 15 | 2.10% | ¥206,751 | ¥37,215,263 | ¥5,315,263 |
| 15 | 2.20% | ¥208,230 | ¥37,481,438 | ¥5,581,438 |
| 15 | 2.30% | ¥209,716 | ¥37,748,792 | ¥5,848,792 |
| 15 | 2.40% | ¥211,207 | ¥38,017,326 | ¥6,117,326 |
| 15 | 2.50% | ¥212,706 | ¥38,287,036 | ¥6,387,036 |
| 15 | 2.60% | ¥214,211 | ¥38,557,923 | ¥6,657,923 |
| 15 | 2.70% | ¥215,722 | ¥38,829,984 | ¥6,929,984 |
| 15 | 2.80% | ¥217,240 | ¥39,103,218 | ¥7,203,218 |
| 15 | 2.90% | ¥218,765 | ¥39,377,623 | ¥7,477,623 |
| 15 | 3.00% | ¥220,296 | ¥39,653,198 | ¥7,753,198 |
3190万円｜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% | ¥275,324 | ¥33,038,824 | ¥1,138,824 |
| 10 | 0.80% | ¥276,697 | ¥33,203,638 | ¥1,303,638 |
| 10 | 0.90% | ¥278,075 | ¥33,368,983 | ¥1,468,983 |
| 10 | 1.00% | ¥279,457 | ¥33,534,858 | ¥1,634,858 |
| 10 | 1.10% | ¥280,844 | ¥33,701,263 | ¥1,801,263 |
| 10 | 1.20% | ¥282,235 | ¥33,868,199 | ¥1,968,199 |
| 10 | 1.30% | ¥283,631 | ¥34,035,665 | ¥2,135,665 |
| 10 | 1.40% | ¥285,031 | ¥34,203,661 | ¥2,303,661 |
| 10 | 1.50% | ¥286,435 | ¥34,372,186 | ¥2,472,186 |
| 10 | 1.60% | ¥287,844 | ¥34,541,241 | ¥2,641,241 |
| 10 | 1.70% | ¥289,257 | ¥34,710,825 | ¥2,810,825 |
| 10 | 1.80% | ¥290,674 | ¥34,880,938 | ¥2,980,938 |
| 10 | 1.90% | ¥292,096 | ¥35,051,580 | ¥3,151,580 |
| 10 | 2.00% | ¥293,523 | ¥35,222,750 | ¥3,322,750 |
| 10 | 2.10% | ¥294,954 | ¥35,394,449 | ¥3,494,449 |
| 10 | 2.20% | ¥296,389 | ¥35,566,675 | ¥3,666,675 |
| 10 | 2.30% | ¥297,829 | ¥35,739,429 | ¥3,839,429 |
| 10 | 2.40% | ¥299,273 | ¥35,912,710 | ¥4,012,710 |
| 10 | 2.50% | ¥300,721 | ¥36,086,518 | ¥4,186,518 |
| 10 | 2.60% | ¥302,174 | ¥36,260,853 | ¥4,360,853 |
| 10 | 2.70% | ¥303,631 | ¥36,435,715 | ¥4,535,715 |
| 10 | 2.80% | ¥305,093 | ¥36,611,102 | ¥4,711,102 |
| 10 | 2.90% | ¥306,558 | ¥36,787,015 | ¥4,887,015 |
| 10 | 3.00% | ¥308,029 | ¥36,963,453 | ¥5,063,453 |
