3240万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。3240万円の住宅ローンが、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。
3240万円の住宅ローン｜期間・年数別
3240万円｜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% |
¥64,016 |
¥38,409,430 |
¥6,009,430 |
| 50 |
0.80% |
¥65,536 |
¥39,321,508 |
¥6,921,508 |
| 50 |
0.90% |
¥67,078 |
¥40,246,859 |
¥7,846,859 |
| 50 |
1.00% |
¥68,642 |
¥41,185,425 |
¥8,785,425 |
| 50 |
1.10% |
¥70,229 |
¥42,137,141 |
¥9,737,141 |
| 50 |
1.20% |
¥71,837 |
¥43,101,938 |
¥10,701,938 |
| 50 |
1.30% |
¥73,466 |
¥44,079,739 |
¥11,679,739 |
| 50 |
1.40% |
¥75,117 |
¥45,070,464 |
¥12,670,464 |
| 50 |
1.50% |
¥76,790 |
¥46,074,023 |
¥13,674,023 |
| 50 |
1.60% |
¥78,484 |
¥47,090,325 |
¥14,690,325 |
| 50 |
1.70% |
¥80,199 |
¥48,119,269 |
¥15,719,269 |
| 50 |
1.80% |
¥81,935 |
¥49,160,753 |
¥16,760,753 |
| 50 |
1.90% |
¥83,691 |
¥50,214,667 |
¥17,814,667 |
| 50 |
2.00% |
¥85,468 |
¥51,280,898 |
¥18,880,898 |
| 50 |
2.10% |
¥87,266 |
¥52,359,327 |
¥19,959,327 |
| 50 |
2.20% |
¥89,083 |
¥53,449,830 |
¥21,049,830 |
| 50 |
2.30% |
¥90,920 |
¥54,552,281 |
¥22,152,281 |
| 50 |
2.40% |
¥92,778 |
¥55,666,547 |
¥23,266,547 |
| 50 |
2.50% |
¥94,654 |
¥56,792,493 |
¥24,392,493 |
| 50 |
2.60% |
¥96,550 |
¥57,929,979 |
¥25,529,979 |
| 50 |
2.70% |
¥98,465 |
¥59,078,863 |
¥26,678,863 |
| 50 |
2.80% |
¥100,398 |
¥60,238,999 |
¥27,838,999 |
| 50 |
2.90% |
¥102,350 |
¥61,410,237 |
¥29,010,237 |
| 50 |
3.00% |
¥104,321 |
¥62,592,426 |
¥30,192,426 |
3240万円｜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% |
¥69,963 |
¥37,779,837 |
¥5,379,837 |
| 45 |
0.80% |
¥71,466 |
¥38,591,849 |
¥6,191,849 |
| 45 |
0.90% |
¥72,990 |
¥39,414,645 |
¥7,014,645 |
| 45 |
1.00% |
¥74,534 |
¥40,248,186 |
¥7,848,186 |
| 45 |
1.10% |
¥76,097 |
¥41,092,430 |
¥8,692,430 |
| 45 |
1.20% |
¥77,680 |
¥41,947,330 |
¥9,547,330 |
| 45 |
1.30% |
¥79,283 |
¥42,812,835 |
¥10,412,835 |
| 45 |
1.40% |
¥80,905 |
¥43,688,891 |
¥11,288,891 |
| 45 |
1.50% |
¥82,547 |
¥44,575,441 |
¥12,175,441 |
| 45 |
1.60% |
¥84,208 |
¥45,472,421 |
¥13,072,421 |
| 45 |
1.70% |
¥85,888 |
¥46,379,766 |
¥13,979,766 |
| 45 |
1.80% |
¥87,588 |
¥47,297,406 |
¥14,897,406 |
| 45 |
1.90% |
¥89,306 |
¥48,225,268 |
¥15,825,268 |
| 45 |
2.00% |
¥91,043 |
¥49,163,277 |
¥16,763,277 |
| 45 |
2.10% |
¥92,799 |
¥50,111,352 |
¥17,711,352 |
| 45 |
2.20% |
¥94,573 |
¥51,069,410 |
¥18,669,410 |
| 45 |
2.30% |
¥96,365 |
¥52,037,366 |
¥19,637,366 |
| 45 |
2.40% |
¥98,176 |
¥53,015,129 |
¥20,615,129 |
| 45 |
2.50% |
¥100,005 |
¥54,002,609 |
¥21,602,609 |
| 45 |
2.60% |
¥101,851 |
¥54,999,711 |
¥22,599,711 |
| 45 |
2.70% |
¥103,715 |
¥56,006,337 |
¥23,606,337 |
| 45 |
2.80% |
¥105,597 |
¥57,022,387 |
¥24,622,387 |
| 45 |
2.90% |
¥107,496 |
¥58,047,759 |
¥25,647,759 |
| 45 |
3.00% |
¥109,412 |
¥59,082,349 |
¥26,682,349 |
3240万円｜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% |
¥77,410 |
¥37,156,792 |
¥4,756,792 |
| 40 |
0.80% |
¥78,897 |
¥37,870,716 |
¥5,470,716 |
| 40 |
0.90% |
¥80,402 |
¥38,593,185 |
¥6,193,185 |
| 40 |
1.00% |
¥81,925 |
¥39,324,172 |
¥6,924,172 |
| 40 |
1.10% |
¥83,466 |
¥40,063,652 |
¥7,663,652 |
| 40 |
1.20% |
¥85,024 |
¥40,811,594 |
¥8,411,594 |
| 40 |
1.30% |
¥86,600 |
¥41,567,968 |
¥9,167,968 |
| 40 |
1.40% |
¥88,193 |
¥42,332,738 |
¥9,932,738 |
| 40 |
1.50% |
¥89,804 |
¥43,105,867 |
¥10,705,867 |
| 40 |
1.60% |
¥91,432 |
¥43,887,317 |
¥11,487,317 |
| 40 |
1.70% |
¥93,077 |
¥44,677,044 |
¥12,277,044 |
| 40 |
1.80% |
¥94,740 |
¥45,475,006 |
¥13,075,006 |
| 40 |
1.90% |
¥96,419 |
¥46,281,155 |
¥13,881,155 |
| 40 |
2.00% |
¥98,116 |
¥47,095,443 |
¥14,695,443 |
| 40 |
2.10% |
¥99,829 |
¥47,917,819 |
¥15,517,819 |
| 40 |
2.20% |
¥101,559 |
¥48,748,230 |
¥16,348,230 |
| 40 |
2.30% |
¥103,305 |
¥49,586,621 |
¥17,186,621 |
| 40 |
2.40% |
¥105,069 |
¥50,432,934 |
¥18,032,934 |
| 40 |
2.50% |
¥106,848 |
¥51,287,110 |
¥18,887,110 |
| 40 |
2.60% |
¥108,644 |
¥52,149,088 |
¥19,749,088 |
| 40 |
2.70% |
¥110,456 |
¥53,018,806 |
¥20,618,806 |
| 40 |
2.80% |
¥112,284 |
¥53,896,198 |
¥21,496,198 |
| 40 |
2.90% |
¥114,127 |
¥54,781,198 |
¥22,381,198 |
| 40 |
3.00% |
¥115,987 |
¥55,673,737 |
¥23,273,737 |
3240万円｜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% |
¥87,001 |
¥36,540,308 |
¥4,140,308 |
| 35 |
0.80% |
¥88,472 |
¥37,158,132 |
¥4,758,132 |
| 35 |
0.90% |
¥89,958 |
¥37,782,514 |
¥5,382,514 |
| 35 |
1.00% |
¥91,461 |
¥38,413,438 |
¥6,013,438 |
| 35 |
1.10% |
¥92,978 |
¥39,050,888 |
¥6,650,888 |
| 35 |
1.20% |
¥94,512 |
¥39,694,847 |
¥7,294,847 |
| 35 |
1.30% |
¥96,060 |
¥40,345,296 |
¥7,945,296 |
| 35 |
1.40% |
¥97,624 |
¥41,002,214 |
¥8,602,214 |
| 35 |
1.50% |
¥99,204 |
¥41,665,579 |
¥9,265,579 |
| 35 |
1.60% |
¥100,798 |
¥42,335,367 |
¥9,935,367 |
| 35 |
1.70% |
¥102,408 |
¥43,011,555 |
¥10,611,555 |
| 35 |
1.80% |
¥104,034 |
¥43,694,114 |
¥11,294,114 |
| 35 |
1.90% |
¥105,674 |
¥44,383,018 |
¥11,983,018 |
| 35 |
2.00% |
¥107,329 |
¥45,078,238 |
¥12,678,238 |
| 35 |
2.10% |
¥108,999 |
¥45,779,742 |
¥13,379,742 |
| 35 |
2.20% |
¥110,685 |
¥46,487,499 |
¥14,087,499 |
| 35 |
2.30% |
¥112,384 |
¥47,201,476 |
¥14,801,476 |
| 35 |
2.40% |
¥114,099 |
¥47,921,638 |
¥15,521,638 |
| 35 |
2.50% |
¥115,828 |
¥48,647,949 |
¥16,247,949 |
| 35 |
2.60% |
¥117,572 |
¥49,380,373 |
¥16,980,373 |
| 35 |
2.70% |
¥119,331 |
¥50,118,871 |
¥17,718,871 |
| 35 |
2.80% |
¥121,103 |
¥50,863,405 |
¥18,463,405 |
| 35 |
2.90% |
¥122,890 |
¥51,613,933 |
¥19,213,933 |
| 35 |
3.00% |
¥124,691 |
¥52,370,414 |
¥19,970,414 |
3240万円｜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% |
¥99,807 |
¥35,930,397 |
¥3,530,397 |
| 30 |
0.80% |
¥101,261 |
¥36,454,118 |
¥4,054,118 |
| 30 |
0.90% |
¥102,730 |
¥36,982,666 |
¥4,582,666 |
| 30 |
1.00% |
¥104,211 |
¥37,516,034 |
¥5,116,034 |
| 30 |
1.10% |
¥105,706 |
¥38,054,211 |
¥5,654,211 |
| 30 |
1.20% |
¥107,214 |
¥38,597,190 |
¥6,197,190 |
| 30 |
1.30% |
¥108,736 |
¥39,144,959 |
¥6,744,959 |
| 30 |
1.40% |
¥110,271 |
¥39,697,507 |
¥7,297,507 |
| 30 |
1.50% |
¥111,819 |
¥40,254,821 |
¥7,854,821 |
| 30 |
1.60% |
¥113,380 |
¥40,816,890 |
¥8,416,890 |
| 30 |
1.70% |
¥114,955 |
¥41,383,698 |
¥8,983,698 |
| 30 |
1.80% |
¥116,542 |
¥41,955,233 |
¥9,555,233 |
| 30 |
1.90% |
¥118,143 |
¥42,531,477 |
¥10,131,477 |
| 30 |
2.00% |
¥119,757 |
¥43,112,415 |
¥10,712,415 |
| 30 |
2.10% |
¥121,383 |
¥43,698,031 |
¥11,298,031 |
| 30 |
2.20% |
¥123,023 |
¥44,288,306 |
¥11,888,306 |
| 30 |
2.30% |
¥124,676 |
¥44,883,223 |
¥12,483,223 |
| 30 |
2.40% |
¥126,341 |
¥45,482,761 |
¥13,082,761 |
| 30 |
2.50% |
¥128,019 |
¥46,086,902 |
¥13,686,902 |
| 30 |
2.60% |
¥129,710 |
¥46,695,624 |
¥14,295,624 |
| 30 |
2.70% |
¥131,414 |
¥47,308,907 |
¥14,908,907 |
| 30 |
2.80% |
¥133,130 |
¥47,926,728 |
¥15,526,728 |
| 30 |
2.90% |
¥134,859 |
¥48,549,065 |
¥16,149,065 |
| 30 |
3.00% |
¥136,600 |
¥49,175,894 |
¥16,775,894 |
3240万円｜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% |
¥117,757 |
¥35,327,070 |
¥2,927,070 |
| 25 |
0.80% |
¥119,196 |
¥35,758,691 |
¥3,358,691 |
| 25 |
0.90% |
¥120,646 |
¥36,193,670 |
¥3,793,670 |
| 25 |
1.00% |
¥122,107 |
¥36,632,003 |
¥4,232,003 |
| 25 |
1.10% |
¥123,579 |
¥37,073,685 |
¥4,673,685 |
| 25 |
1.20% |
¥125,062 |
¥37,518,713 |
¥5,118,713 |
| 25 |
1.30% |
¥126,557 |
¥37,967,080 |
¥5,567,080 |
| 25 |
1.40% |
¥128,063 |
¥38,418,781 |
¥6,018,781 |
| 25 |
1.50% |
¥129,579 |
¥38,873,811 |
¥6,473,811 |
| 25 |
1.60% |
¥131,107 |
¥39,332,162 |
¥6,932,162 |
| 25 |
1.70% |
¥132,646 |
¥39,793,828 |
¥7,393,828 |
| 25 |
1.80% |
¥134,196 |
¥40,258,802 |
¥7,858,802 |
| 25 |
1.90% |
¥135,757 |
¥40,727,076 |
¥8,327,076 |
| 25 |
2.00% |
¥137,329 |
¥41,198,642 |
¥8,798,642 |
| 25 |
2.10% |
¥138,912 |
¥41,673,491 |
¥9,273,491 |
| 25 |
2.20% |
¥140,505 |
¥42,151,616 |
¥9,751,616 |
| 25 |
2.30% |
¥142,110 |
¥42,633,006 |
¥10,233,006 |
| 25 |
2.40% |
¥143,726 |
¥43,117,653 |
¥10,717,653 |
| 25 |
2.50% |
¥145,352 |
¥43,605,547 |
¥11,205,547 |
| 25 |
2.60% |
¥146,989 |
¥44,096,676 |
¥11,696,676 |
| 25 |
2.70% |
¥148,637 |
¥44,591,031 |
¥12,191,031 |
| 25 |
2.80% |
¥150,295 |
¥45,088,601 |
¥12,688,601 |
| 25 |
2.90% |
¥151,965 |
¥45,589,375 |
¥13,189,375 |
| 25 |
3.00% |
¥153,644 |
¥46,093,340 |
¥13,693,340 |
3240万円｜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% |
¥144,710 |
¥34,730,336 |
¥2,330,336 |
| 20 |
0.80% |
¥146,133 |
¥35,071,866 |
¥2,671,866 |
| 20 |
0.90% |
¥147,565 |
¥35,415,549 |
¥3,015,549 |
| 20 |
1.00% |
¥149,006 |
¥35,761,381 |
¥3,361,381 |
| 20 |
1.10% |
¥150,456 |
¥36,109,363 |
¥3,709,363 |
| 20 |
1.20% |
¥151,915 |
¥36,459,491 |
¥4,059,491 |
| 20 |
1.30% |
¥153,382 |
¥36,811,763 |
¥4,411,763 |
| 20 |
1.40% |
¥154,859 |
¥37,166,177 |
¥4,766,177 |
| 20 |
1.50% |
¥156,345 |
¥37,522,731 |
¥5,122,731 |
| 20 |
1.60% |
¥157,839 |
¥37,881,421 |
¥5,481,421 |
| 20 |
1.70% |
¥159,343 |
¥38,242,245 |
¥5,842,245 |
| 20 |
1.80% |
¥160,855 |
¥38,605,200 |
¥6,205,200 |
| 20 |
1.90% |
¥162,376 |
¥38,970,282 |
¥6,570,282 |
| 20 |
2.00% |
¥163,906 |
¥39,337,488 |
¥6,937,488 |
| 20 |
2.10% |
¥165,445 |
¥39,706,815 |
¥7,306,815 |
| 20 |
2.20% |
¥166,993 |
¥40,078,258 |
¥7,678,258 |
| 20 |
2.30% |
¥168,549 |
¥40,451,814 |
¥8,051,814 |
| 20 |
2.40% |
¥170,114 |
¥40,827,479 |
¥8,427,479 |
| 20 |
2.50% |
¥171,689 |
¥41,205,249 |
¥8,805,249 |
| 20 |
2.60% |
¥173,271 |
¥41,585,119 |
¥9,185,119 |
| 20 |
2.70% |
¥174,863 |
¥41,967,085 |
¥9,567,085 |
| 20 |
2.80% |
¥176,463 |
¥42,351,142 |
¥9,951,142 |
| 20 |
2.90% |
¥178,072 |
¥42,737,285 |
¥10,337,285 |
| 20 |
3.00% |
¥179,690 |
¥43,125,509 |
¥10,725,509 |
3240万円｜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% |
¥189,668 |
¥34,140,202 |
¥1,740,202 |
| 15 |
0.80% |
¥191,076 |
¥34,393,657 |
¥1,993,657 |
| 15 |
0.90% |
¥192,491 |
¥34,648,323 |
¥2,248,323 |
| 15 |
1.00% |
¥193,912 |
¥34,904,200 |
¥2,504,200 |
| 15 |
1.10% |
¥195,340 |
¥35,161,288 |
¥2,761,288 |
| 15 |
1.20% |
¥196,775 |
¥35,419,586 |
¥3,019,586 |
| 15 |
1.30% |
¥198,217 |
¥35,679,094 |
¥3,279,094 |
| 15 |
1.40% |
¥199,666 |
¥35,939,810 |
¥3,539,810 |
| 15 |
1.50% |
¥201,121 |
¥36,201,733 |
¥3,801,733 |
| 15 |
1.60% |
¥202,583 |
¥36,464,863 |
¥4,064,863 |
| 15 |
1.70% |
¥204,051 |
¥36,729,198 |
¥4,329,198 |
| 15 |
1.80% |
¥205,526 |
¥36,994,738 |
¥4,594,738 |
| 15 |
1.90% |
¥207,008 |
¥37,261,482 |
¥4,861,482 |
| 15 |
2.00% |
¥208,497 |
¥37,529,427 |
¥5,129,427 |
| 15 |
2.10% |
¥209,992 |
¥37,798,574 |
¥5,398,574 |
| 15 |
2.20% |
¥211,494 |
¥38,068,921 |
¥5,668,921 |
| 15 |
2.30% |
¥213,003 |
¥38,340,466 |
¥5,940,466 |
| 15 |
2.40% |
¥214,518 |
¥38,613,209 |
¥6,213,209 |
| 15 |
2.50% |
¥216,040 |
¥38,887,147 |
¥6,487,147 |
| 15 |
2.60% |
¥217,568 |
¥39,162,279 |
¥6,762,279 |
| 15 |
2.70% |
¥219,103 |
¥39,438,604 |
¥7,038,604 |
| 15 |
2.80% |
¥220,645 |
¥39,716,121 |
¥7,316,121 |
| 15 |
2.90% |
¥222,193 |
¥39,994,827 |
¥7,594,827 |
| 15 |
3.00% |
¥223,748 |
¥40,274,721 |
¥7,874,721 |
3240万円｜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% |
¥279,639 |
¥33,556,674 |
¥1,156,674 |
| 10 |
0.80% |
¥281,034 |
¥33,724,071 |
¥1,324,071 |
| 10 |
0.90% |
¥282,433 |
¥33,892,007 |
¥1,492,007 |
| 10 |
1.00% |
¥283,837 |
¥34,060,482 |
¥1,660,482 |
| 10 |
1.10% |
¥285,246 |
¥34,229,496 |
¥1,829,496 |
| 10 |
1.20% |
¥286,659 |
¥34,399,049 |
¥1,999,049 |
| 10 |
1.30% |
¥288,076 |
¥34,569,139 |
¥2,169,139 |
| 10 |
1.40% |
¥289,498 |
¥34,739,768 |
¥2,339,768 |
| 10 |
1.50% |
¥290,924 |
¥34,910,935 |
¥2,510,935 |
| 10 |
1.60% |
¥292,355 |
¥35,082,640 |
¥2,682,640 |
| 10 |
1.70% |
¥293,791 |
¥35,254,882 |
¥2,854,882 |
| 10 |
1.80% |
¥295,231 |
¥35,427,661 |
¥3,027,661 |
| 10 |
1.90% |
¥296,675 |
¥35,600,978 |
¥3,200,978 |
| 10 |
2.00% |
¥298,124 |
¥35,774,831 |
¥3,374,831 |
| 10 |
2.10% |
¥299,577 |
¥35,949,220 |
¥3,549,220 |
| 10 |
2.20% |
¥301,035 |
¥36,124,146 |
¥3,724,146 |
| 10 |
2.30% |
¥302,497 |
¥36,299,608 |
¥3,899,608 |
| 10 |
2.40% |
¥303,963 |
¥36,475,605 |
¥4,075,605 |
| 10 |
2.50% |
¥305,434 |
¥36,652,138 |
¥4,252,138 |
| 10 |
2.60% |
¥306,910 |
¥36,829,205 |
¥4,429,205 |
| 10 |
2.70% |
¥308,390 |
¥37,006,807 |
¥4,606,807 |
| 10 |
2.80% |
¥309,875 |
¥37,184,944 |
¥4,784,944 |
| 10 |
2.90% |
¥311,363 |
¥37,363,614 |
¥4,963,614 |
| 10 |
3.00% |
¥312,857 |
¥37,542,818 |
¥5,142,818 |
