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 |
