3200万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。3200万円の住宅ローンが、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。
3200万円の住宅ローン｜期間・年数別
3200万円｜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% |
¥63,225 |
¥37,935,239 |
¥5,935,239 |
| 50 |
0.80% |
¥64,727 |
¥38,836,058 |
¥6,836,058 |
| 50 |
0.90% |
¥66,250 |
¥39,749,984 |
¥7,749,984 |
| 50 |
1.00% |
¥67,795 |
¥40,676,963 |
¥8,676,963 |
| 50 |
1.10% |
¥69,362 |
¥41,616,929 |
¥9,616,929 |
| 50 |
1.20% |
¥70,950 |
¥42,569,815 |
¥10,569,815 |
| 50 |
1.30% |
¥72,559 |
¥43,535,545 |
¥11,535,545 |
| 50 |
1.40% |
¥74,190 |
¥44,514,038 |
¥12,514,038 |
| 50 |
1.50% |
¥75,842 |
¥45,505,208 |
¥13,505,208 |
| 50 |
1.60% |
¥77,515 |
¥46,508,963 |
¥14,508,963 |
| 50 |
1.70% |
¥79,209 |
¥47,525,204 |
¥15,525,204 |
| 50 |
1.80% |
¥80,923 |
¥48,553,830 |
¥16,553,830 |
| 50 |
1.90% |
¥82,658 |
¥49,594,733 |
¥17,594,733 |
| 50 |
2.00% |
¥84,413 |
¥50,647,801 |
¥18,647,801 |
| 50 |
2.10% |
¥86,188 |
¥51,712,915 |
¥19,712,915 |
| 50 |
2.20% |
¥87,983 |
¥52,789,956 |
¥20,789,956 |
| 50 |
2.30% |
¥89,798 |
¥53,878,796 |
¥21,878,796 |
| 50 |
2.40% |
¥91,632 |
¥54,979,305 |
¥22,979,305 |
| 50 |
2.50% |
¥93,486 |
¥56,091,351 |
¥24,091,351 |
| 50 |
2.60% |
¥95,358 |
¥57,214,794 |
¥25,214,794 |
| 50 |
2.70% |
¥97,249 |
¥58,349,495 |
¥26,349,495 |
| 50 |
2.80% |
¥99,159 |
¥59,495,308 |
¥27,495,308 |
| 50 |
2.90% |
¥101,087 |
¥60,652,086 |
¥28,652,086 |
| 50 |
3.00% |
¥103,033 |
¥61,819,680 |
¥29,819,680 |
3200万円｜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% |
¥69,099 |
¥37,313,419 |
¥5,313,419 |
| 45 |
0.80% |
¥70,584 |
¥38,115,407 |
¥6,115,407 |
| 45 |
0.90% |
¥72,089 |
¥38,928,045 |
¥6,928,045 |
| 45 |
1.00% |
¥73,614 |
¥39,751,295 |
¥7,751,295 |
| 45 |
1.10% |
¥75,158 |
¥40,585,116 |
¥8,585,116 |
| 45 |
1.20% |
¥76,721 |
¥41,429,461 |
¥9,429,461 |
| 45 |
1.30% |
¥78,304 |
¥42,284,281 |
¥10,284,281 |
| 45 |
1.40% |
¥79,907 |
¥43,149,522 |
¥11,149,522 |
| 45 |
1.50% |
¥81,528 |
¥44,025,127 |
¥12,025,127 |
| 45 |
1.60% |
¥83,169 |
¥44,911,033 |
¥12,911,033 |
| 45 |
1.70% |
¥84,828 |
¥45,807,176 |
¥13,807,176 |
| 45 |
1.80% |
¥86,506 |
¥46,713,487 |
¥14,713,487 |
| 45 |
1.90% |
¥88,204 |
¥47,629,895 |
¥15,629,895 |
| 45 |
2.00% |
¥89,919 |
¥48,556,323 |
¥16,556,323 |
| 45 |
2.10% |
¥91,653 |
¥49,492,693 |
¥17,492,693 |
| 45 |
2.20% |
¥93,405 |
¥50,438,924 |
¥18,438,924 |
| 45 |
2.30% |
¥95,176 |
¥51,394,929 |
¥19,394,929 |
| 45 |
2.40% |
¥96,964 |
¥52,360,622 |
¥20,360,622 |
| 45 |
2.50% |
¥98,770 |
¥53,335,910 |
¥21,335,910 |
| 45 |
2.60% |
¥100,594 |
¥54,320,702 |
¥22,320,702 |
| 45 |
2.70% |
¥102,435 |
¥55,314,900 |
¥23,314,900 |
| 45 |
2.80% |
¥104,293 |
¥56,318,407 |
¥24,318,407 |
| 45 |
2.90% |
¥106,169 |
¥57,331,120 |
¥25,331,120 |
| 45 |
3.00% |
¥108,061 |
¥58,352,937 |
¥26,352,937 |
3200万円｜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% |
¥76,454 |
¥36,698,066 |
¥4,698,066 |
| 40 |
0.80% |
¥77,923 |
¥37,403,177 |
¥5,403,177 |
| 40 |
0.90% |
¥79,410 |
¥38,116,726 |
¥6,116,726 |
| 40 |
1.00% |
¥80,914 |
¥38,838,688 |
¥6,838,688 |
| 40 |
1.10% |
¥82,435 |
¥39,569,039 |
¥7,569,039 |
| 40 |
1.20% |
¥83,974 |
¥40,307,747 |
¥8,307,747 |
| 40 |
1.30% |
¥85,531 |
¥41,054,783 |
¥9,054,783 |
| 40 |
1.40% |
¥87,104 |
¥41,810,111 |
¥9,810,111 |
| 40 |
1.50% |
¥88,695 |
¥42,573,696 |
¥10,573,696 |
| 40 |
1.60% |
¥90,303 |
¥43,345,498 |
¥11,345,498 |
| 40 |
1.70% |
¥91,928 |
¥44,125,476 |
¥12,125,476 |
| 40 |
1.80% |
¥93,570 |
¥44,913,586 |
¥12,913,586 |
| 40 |
1.90% |
¥95,229 |
¥45,709,783 |
¥13,709,783 |
| 40 |
2.00% |
¥96,904 |
¥46,514,018 |
¥14,514,018 |
| 40 |
2.10% |
¥98,596 |
¥47,326,241 |
¥15,326,241 |
| 40 |
2.20% |
¥100,305 |
¥48,146,400 |
¥16,146,400 |
| 40 |
2.30% |
¥102,030 |
¥48,974,440 |
¥16,974,440 |
| 40 |
2.40% |
¥103,771 |
¥49,810,305 |
¥17,810,305 |
| 40 |
2.50% |
¥105,529 |
¥50,653,936 |
¥18,653,936 |
| 40 |
2.60% |
¥107,303 |
¥51,505,272 |
¥19,505,272 |
| 40 |
2.70% |
¥109,092 |
¥52,364,253 |
¥20,364,253 |
| 40 |
2.80% |
¥110,898 |
¥53,230,812 |
¥21,230,812 |
| 40 |
2.90% |
¥112,719 |
¥54,104,886 |
¥22,104,886 |
| 40 |
3.00% |
¥114,555 |
¥54,986,407 |
¥22,986,407 |
3200万円｜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% |
¥85,927 |
¥36,089,193 |
¥4,089,193 |
| 35 |
0.80% |
¥87,380 |
¥36,699,390 |
¥4,699,390 |
| 35 |
0.90% |
¥88,848 |
¥37,316,063 |
¥5,316,063 |
| 35 |
1.00% |
¥90,331 |
¥37,939,198 |
¥5,939,198 |
| 35 |
1.10% |
¥91,830 |
¥38,568,778 |
¥6,568,778 |
| 35 |
1.20% |
¥93,345 |
¥39,204,787 |
¥7,204,787 |
| 35 |
1.30% |
¥94,874 |
¥39,847,206 |
¥7,847,206 |
| 35 |
1.40% |
¥96,419 |
¥40,496,013 |
¥8,496,013 |
| 35 |
1.50% |
¥97,979 |
¥41,151,189 |
¥9,151,189 |
| 35 |
1.60% |
¥99,554 |
¥41,812,708 |
¥9,812,708 |
| 35 |
1.70% |
¥101,144 |
¥42,480,548 |
¥10,480,548 |
| 35 |
1.80% |
¥102,749 |
¥43,154,681 |
¥11,154,681 |
| 35 |
1.90% |
¥104,369 |
¥43,835,080 |
¥11,835,080 |
| 35 |
2.00% |
¥106,004 |
¥44,521,716 |
¥12,521,716 |
| 35 |
2.10% |
¥107,654 |
¥45,214,560 |
¥13,214,560 |
| 35 |
2.20% |
¥109,318 |
¥45,913,579 |
¥13,913,579 |
| 35 |
2.30% |
¥110,997 |
¥46,618,741 |
¥14,618,741 |
| 35 |
2.40% |
¥112,691 |
¥47,330,012 |
¥15,330,012 |
| 35 |
2.50% |
¥114,398 |
¥48,047,357 |
¥16,047,357 |
| 35 |
2.60% |
¥116,121 |
¥48,770,739 |
¥16,770,739 |
| 35 |
2.70% |
¥117,857 |
¥49,500,120 |
¥17,500,120 |
| 35 |
2.80% |
¥119,608 |
¥50,235,461 |
¥18,235,461 |
| 35 |
2.90% |
¥121,373 |
¥50,976,724 |
¥18,976,724 |
| 35 |
3.00% |
¥123,152 |
¥51,723,866 |
¥19,723,866 |
3200万円｜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% |
¥98,574 |
¥35,486,812 |
¥3,486,812 |
| 30 |
0.80% |
¥100,011 |
¥36,004,067 |
¥4,004,067 |
| 30 |
0.90% |
¥101,461 |
¥36,526,090 |
¥4,526,090 |
| 30 |
1.00% |
¥102,925 |
¥37,052,873 |
¥5,052,873 |
| 30 |
1.10% |
¥104,401 |
¥37,584,406 |
¥5,584,406 |
| 30 |
1.20% |
¥105,891 |
¥38,120,682 |
¥6,120,682 |
| 30 |
1.30% |
¥107,394 |
¥38,661,688 |
¥6,661,688 |
| 30 |
1.40% |
¥108,909 |
¥39,207,414 |
¥7,207,414 |
| 30 |
1.50% |
¥110,438 |
¥39,757,848 |
¥7,757,848 |
| 30 |
1.60% |
¥111,980 |
¥40,312,978 |
¥8,312,978 |
| 30 |
1.70% |
¥113,536 |
¥40,872,789 |
¥8,872,789 |
| 30 |
1.80% |
¥115,104 |
¥41,437,267 |
¥9,437,267 |
| 30 |
1.90% |
¥116,684 |
¥42,006,397 |
¥10,006,397 |
| 30 |
2.00% |
¥118,278 |
¥42,580,163 |
¥10,580,163 |
| 30 |
2.10% |
¥119,885 |
¥43,158,549 |
¥11,158,549 |
| 30 |
2.20% |
¥121,504 |
¥43,741,537 |
¥11,741,537 |
| 30 |
2.30% |
¥123,136 |
¥44,329,109 |
¥12,329,109 |
| 30 |
2.40% |
¥124,781 |
¥44,921,245 |
¥12,921,245 |
| 30 |
2.50% |
¥126,439 |
¥45,517,928 |
¥13,517,928 |
| 30 |
2.60% |
¥128,109 |
¥46,119,135 |
¥14,119,135 |
| 30 |
2.70% |
¥129,791 |
¥46,724,846 |
¥14,724,846 |
| 30 |
2.80% |
¥131,486 |
¥47,335,040 |
¥15,335,040 |
| 30 |
2.90% |
¥133,194 |
¥47,949,694 |
¥15,949,694 |
| 30 |
3.00% |
¥134,913 |
¥48,568,785 |
¥16,568,785 |
3200万円｜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% |
¥116,303 |
¥34,890,934 |
¥2,890,934 |
| 25 |
0.80% |
¥117,724 |
¥35,317,226 |
¥3,317,226 |
| 25 |
0.90% |
¥119,156 |
¥35,746,834 |
¥3,746,834 |
| 25 |
1.00% |
¥120,599 |
¥36,179,756 |
¥4,179,756 |
| 25 |
1.10% |
¥122,053 |
¥36,615,985 |
¥4,615,985 |
| 25 |
1.20% |
¥123,518 |
¥37,055,519 |
¥5,055,519 |
| 25 |
1.30% |
¥124,995 |
¥37,498,351 |
¥5,498,351 |
| 25 |
1.40% |
¥126,482 |
¥37,944,475 |
¥5,944,475 |
| 25 |
1.50% |
¥127,980 |
¥38,393,887 |
¥6,393,887 |
| 25 |
1.60% |
¥129,489 |
¥38,846,580 |
¥6,846,580 |
| 25 |
1.70% |
¥131,008 |
¥39,302,546 |
¥7,302,546 |
| 25 |
1.80% |
¥132,539 |
¥39,761,780 |
¥7,761,780 |
| 25 |
1.90% |
¥134,081 |
¥40,224,272 |
¥8,224,272 |
| 25 |
2.00% |
¥135,633 |
¥40,690,017 |
¥8,690,017 |
| 25 |
2.10% |
¥137,197 |
¥41,159,004 |
¥9,159,004 |
| 25 |
2.20% |
¥138,771 |
¥41,631,226 |
¥9,631,226 |
| 25 |
2.30% |
¥140,356 |
¥42,106,673 |
¥10,106,673 |
| 25 |
2.40% |
¥141,951 |
¥42,585,337 |
¥10,585,337 |
| 25 |
2.50% |
¥143,557 |
¥43,067,206 |
¥11,067,206 |
| 25 |
2.60% |
¥145,174 |
¥43,552,273 |
¥11,552,273 |
| 25 |
2.70% |
¥146,802 |
¥44,040,525 |
¥12,040,525 |
| 25 |
2.80% |
¥148,440 |
¥44,531,952 |
¥12,531,952 |
| 25 |
2.90% |
¥150,088 |
¥45,026,543 |
¥13,026,543 |
| 25 |
3.00% |
¥151,748 |
¥45,524,286 |
¥13,524,286 |
3200万円｜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% |
¥142,923 |
¥34,301,567 |
¥2,301,567 |
| 20 |
0.80% |
¥144,329 |
¥34,638,880 |
¥2,638,880 |
| 20 |
0.90% |
¥145,743 |
¥34,978,320 |
¥2,978,320 |
| 20 |
1.00% |
¥147,166 |
¥35,319,883 |
¥3,319,883 |
| 20 |
1.10% |
¥148,598 |
¥35,663,568 |
¥3,663,568 |
| 20 |
1.20% |
¥150,039 |
¥36,009,374 |
¥4,009,374 |
| 20 |
1.30% |
¥151,489 |
¥36,357,297 |
¥4,357,297 |
| 20 |
1.40% |
¥152,947 |
¥36,707,336 |
¥4,707,336 |
| 20 |
1.50% |
¥154,415 |
¥37,059,487 |
¥5,059,487 |
| 20 |
1.60% |
¥155,891 |
¥37,413,749 |
¥5,413,749 |
| 20 |
1.70% |
¥157,375 |
¥37,770,119 |
¥5,770,119 |
| 20 |
1.80% |
¥158,869 |
¥38,128,593 |
¥6,128,593 |
| 20 |
1.90% |
¥160,372 |
¥38,489,167 |
¥6,489,167 |
| 20 |
2.00% |
¥161,883 |
¥38,851,840 |
¥6,851,840 |
| 20 |
2.10% |
¥163,403 |
¥39,216,607 |
¥7,216,607 |
| 20 |
2.20% |
¥164,931 |
¥39,583,465 |
¥7,583,465 |
| 20 |
2.30% |
¥166,468 |
¥39,952,409 |
¥7,952,409 |
| 20 |
2.40% |
¥168,014 |
¥40,323,436 |
¥8,323,436 |
| 20 |
2.50% |
¥169,569 |
¥40,696,542 |
¥8,696,542 |
| 20 |
2.60% |
¥171,132 |
¥41,071,722 |
¥9,071,722 |
| 20 |
2.70% |
¥172,704 |
¥41,448,973 |
¥9,448,973 |
| 20 |
2.80% |
¥174,285 |
¥41,828,288 |
¥9,828,288 |
| 20 |
2.90% |
¥175,874 |
¥42,209,664 |
¥10,209,664 |
| 20 |
3.00% |
¥177,471 |
¥42,593,096 |
¥10,593,096 |
3200万円｜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% |
¥187,326 |
¥33,718,718 |
¥1,718,718 |
| 15 |
0.80% |
¥188,717 |
¥33,969,043 |
¥1,969,043 |
| 15 |
0.90% |
¥190,114 |
¥34,220,566 |
¥2,220,566 |
| 15 |
1.00% |
¥191,518 |
¥34,473,284 |
¥2,473,284 |
| 15 |
1.10% |
¥192,929 |
¥34,727,198 |
¥2,727,198 |
| 15 |
1.20% |
¥194,346 |
¥34,982,308 |
¥2,982,308 |
| 15 |
1.30% |
¥195,770 |
¥35,238,611 |
¥3,238,611 |
| 15 |
1.40% |
¥197,201 |
¥35,496,108 |
¥3,496,108 |
| 15 |
1.50% |
¥198,638 |
¥35,754,798 |
¥3,754,798 |
| 15 |
1.60% |
¥200,082 |
¥36,014,679 |
¥4,014,679 |
| 15 |
1.70% |
¥201,532 |
¥36,275,751 |
¥4,275,751 |
| 15 |
1.80% |
¥202,989 |
¥36,538,013 |
¥4,538,013 |
| 15 |
1.90% |
¥204,453 |
¥36,801,463 |
¥4,801,463 |
| 15 |
2.00% |
¥205,923 |
¥37,066,101 |
¥5,066,101 |
| 15 |
2.10% |
¥207,400 |
¥37,331,925 |
¥5,331,925 |
| 15 |
2.20% |
¥208,883 |
¥37,598,934 |
¥5,598,934 |
| 15 |
2.30% |
¥210,373 |
¥37,867,127 |
¥5,867,127 |
| 15 |
2.40% |
¥211,869 |
¥38,136,502 |
¥6,136,502 |
| 15 |
2.50% |
¥213,373 |
¥38,407,058 |
¥6,407,058 |
| 15 |
2.60% |
¥214,882 |
¥38,678,794 |
¥6,678,794 |
| 15 |
2.70% |
¥216,398 |
¥38,951,708 |
¥6,951,708 |
| 15 |
2.80% |
¥217,921 |
¥39,225,798 |
¥7,225,798 |
| 15 |
2.90% |
¥219,450 |
¥39,501,064 |
¥7,501,064 |
| 15 |
3.00% |
¥220,986 |
¥39,777,502 |
¥7,777,502 |
3200万円｜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% |
¥276,187 |
¥33,142,394 |
¥1,142,394 |
| 10 |
0.80% |
¥277,564 |
¥33,307,725 |
¥1,307,725 |
| 10 |
0.90% |
¥278,947 |
¥33,473,587 |
¥1,473,587 |
| 10 |
1.00% |
¥280,333 |
¥33,639,983 |
¥1,639,983 |
| 10 |
1.10% |
¥281,724 |
¥33,806,910 |
¥1,806,910 |
| 10 |
1.20% |
¥283,120 |
¥33,974,369 |
¥1,974,369 |
| 10 |
1.30% |
¥284,520 |
¥34,142,360 |
¥2,142,360 |
| 10 |
1.40% |
¥285,924 |
¥34,310,882 |
¥2,310,882 |
| 10 |
1.50% |
¥287,333 |
¥34,479,936 |
¥2,479,936 |
| 10 |
1.60% |
¥288,746 |
¥34,649,521 |
¥2,649,521 |
| 10 |
1.70% |
¥290,164 |
¥34,819,636 |
¥2,819,636 |
| 10 |
1.80% |
¥291,586 |
¥34,990,283 |
¥2,990,283 |
| 10 |
1.90% |
¥293,012 |
¥35,161,459 |
¥3,161,459 |
| 10 |
2.00% |
¥294,443 |
¥35,333,166 |
¥3,333,166 |
| 10 |
2.10% |
¥295,878 |
¥35,505,403 |
¥3,505,403 |
| 10 |
2.20% |
¥297,318 |
¥35,678,169 |
¥3,678,169 |
| 10 |
2.30% |
¥298,762 |
¥35,851,465 |
¥3,851,465 |
| 10 |
2.40% |
¥300,211 |
¥36,025,289 |
¥4,025,289 |
| 10 |
2.50% |
¥301,664 |
¥36,199,642 |
¥4,199,642 |
| 10 |
2.60% |
¥303,121 |
¥36,374,524 |
¥4,374,524 |
| 10 |
2.70% |
¥304,583 |
¥36,549,933 |
¥4,549,933 |
| 10 |
2.80% |
¥306,049 |
¥36,725,870 |
¥4,725,870 |
| 10 |
2.90% |
¥307,519 |
¥36,902,335 |
¥4,902,335 |
| 10 |
3.00% |
¥308,994 |
¥37,079,326 |
¥5,079,326 |
