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 |
