3490万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。3490万円の住宅ローンが、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。
3490万円の住宅ローン｜期間・年数別
3490万円｜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% |
¥68,955 |
¥41,373,121 |
¥6,473,121 |
| 50 |
0.80% |
¥70,593 |
¥42,355,575 |
¥7,455,575 |
| 50 |
0.90% |
¥72,254 |
¥43,352,327 |
¥8,452,327 |
| 50 |
1.00% |
¥73,939 |
¥44,363,312 |
¥9,463,312 |
| 50 |
1.10% |
¥75,647 |
¥45,388,463 |
¥10,488,463 |
| 50 |
1.20% |
¥77,380 |
¥46,427,705 |
¥11,527,705 |
| 50 |
1.30% |
¥79,135 |
¥47,480,954 |
¥12,580,954 |
| 50 |
1.40% |
¥80,914 |
¥48,548,123 |
¥13,648,123 |
| 50 |
1.50% |
¥82,715 |
¥49,629,118 |
¥14,729,118 |
| 50 |
1.60% |
¥84,540 |
¥50,723,837 |
¥15,823,837 |
| 50 |
1.70% |
¥86,387 |
¥51,832,176 |
¥16,932,176 |
| 50 |
1.80% |
¥88,257 |
¥52,954,021 |
¥18,054,021 |
| 50 |
1.90% |
¥90,149 |
¥54,089,256 |
¥19,189,256 |
| 50 |
2.00% |
¥92,063 |
¥55,237,758 |
¥20,337,758 |
| 50 |
2.10% |
¥93,999 |
¥56,399,398 |
¥21,499,398 |
| 50 |
2.20% |
¥95,957 |
¥57,574,045 |
¥22,674,045 |
| 50 |
2.30% |
¥97,936 |
¥58,761,562 |
¥23,861,562 |
| 50 |
2.40% |
¥99,936 |
¥59,961,805 |
¥25,061,805 |
| 50 |
2.50% |
¥101,958 |
¥61,174,629 |
¥26,274,629 |
| 50 |
2.60% |
¥104,000 |
¥62,399,885 |
¥27,499,885 |
| 50 |
2.70% |
¥106,062 |
¥63,637,418 |
¥28,737,418 |
| 50 |
2.80% |
¥108,145 |
¥64,887,070 |
¥29,987,070 |
| 50 |
2.90% |
¥110,248 |
¥66,148,682 |
¥31,248,682 |
| 50 |
3.00% |
¥112,370 |
¥67,422,088 |
¥32,522,088 |
3490万円｜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% |
¥75,361 |
¥40,694,948 |
¥5,794,948 |
| 45 |
0.80% |
¥76,981 |
¥41,569,616 |
¥6,669,616 |
| 45 |
0.90% |
¥78,622 |
¥42,455,899 |
¥7,555,899 |
| 45 |
1.00% |
¥80,285 |
¥43,353,756 |
¥8,453,756 |
| 45 |
1.10% |
¥81,969 |
¥44,263,142 |
¥9,363,142 |
| 45 |
1.20% |
¥83,674 |
¥45,184,006 |
¥10,284,006 |
| 45 |
1.30% |
¥85,401 |
¥46,116,294 |
¥11,216,294 |
| 45 |
1.40% |
¥87,148 |
¥47,059,948 |
¥12,159,948 |
| 45 |
1.50% |
¥88,916 |
¥48,014,904 |
¥13,114,904 |
| 45 |
1.60% |
¥90,706 |
¥48,981,095 |
¥14,081,095 |
| 45 |
1.70% |
¥92,516 |
¥49,958,451 |
¥15,058,451 |
| 45 |
1.80% |
¥94,346 |
¥50,946,897 |
¥16,046,897 |
| 45 |
1.90% |
¥96,197 |
¥51,946,354 |
¥17,046,354 |
| 45 |
2.00% |
¥98,068 |
¥52,956,740 |
¥18,056,740 |
| 45 |
2.10% |
¥99,959 |
¥53,977,969 |
¥19,077,969 |
| 45 |
2.20% |
¥101,870 |
¥55,009,951 |
¥20,109,951 |
| 45 |
2.30% |
¥103,801 |
¥56,052,594 |
¥21,152,594 |
| 45 |
2.40% |
¥105,751 |
¥57,105,803 |
¥22,205,803 |
| 45 |
2.50% |
¥107,721 |
¥58,169,477 |
¥23,269,477 |
| 45 |
2.60% |
¥109,710 |
¥59,243,516 |
¥24,343,516 |
| 45 |
2.70% |
¥111,718 |
¥60,327,813 |
¥25,427,813 |
| 45 |
2.80% |
¥113,745 |
¥61,422,262 |
¥26,522,262 |
| 45 |
2.90% |
¥115,790 |
¥62,526,753 |
¥27,626,753 |
| 45 |
3.00% |
¥117,854 |
¥63,641,172 |
¥28,741,172 |
3490万円｜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% |
¥83,383 |
¥40,023,828 |
¥5,123,828 |
| 40 |
0.80% |
¥84,985 |
¥40,792,840 |
¥5,892,840 |
| 40 |
0.90% |
¥86,606 |
¥41,571,054 |
¥6,671,054 |
| 40 |
1.00% |
¥88,247 |
¥42,358,445 |
¥7,458,445 |
| 40 |
1.10% |
¥89,906 |
¥43,154,983 |
¥8,254,983 |
| 40 |
1.20% |
¥91,585 |
¥43,960,637 |
¥9,060,637 |
| 40 |
1.30% |
¥93,282 |
¥44,775,373 |
¥9,875,373 |
| 40 |
1.40% |
¥94,998 |
¥45,599,153 |
¥10,699,153 |
| 40 |
1.50% |
¥96,733 |
¥46,431,937 |
¥11,531,937 |
| 40 |
1.60% |
¥98,487 |
¥47,273,684 |
¥12,373,684 |
| 40 |
1.70% |
¥100,259 |
¥48,124,347 |
¥13,224,347 |
| 40 |
1.80% |
¥102,050 |
¥48,983,880 |
¥14,083,880 |
| 40 |
1.90% |
¥103,859 |
¥49,852,232 |
¥14,952,232 |
| 40 |
2.00% |
¥105,686 |
¥50,729,351 |
¥15,829,351 |
| 40 |
2.10% |
¥107,532 |
¥51,615,182 |
¥16,715,182 |
| 40 |
2.20% |
¥109,395 |
¥52,509,668 |
¥17,609,668 |
| 40 |
2.30% |
¥111,277 |
¥53,412,749 |
¥18,512,749 |
| 40 |
2.40% |
¥113,176 |
¥54,324,364 |
¥19,424,364 |
| 40 |
2.50% |
¥115,093 |
¥55,244,449 |
¥20,344,449 |
| 40 |
2.60% |
¥117,027 |
¥56,172,938 |
¥21,272,938 |
| 40 |
2.70% |
¥118,979 |
¥57,109,763 |
¥22,209,763 |
| 40 |
2.80% |
¥120,948 |
¥58,054,855 |
¥23,154,855 |
| 40 |
2.90% |
¥122,934 |
¥59,008,142 |
¥24,108,142 |
| 40 |
3.00% |
¥124,937 |
¥59,969,550 |
¥25,069,550 |
3490万円｜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% |
¥93,714 |
¥39,359,776 |
¥4,459,776 |
| 35 |
0.80% |
¥95,298 |
¥40,025,272 |
¥5,125,272 |
| 35 |
0.90% |
¥96,900 |
¥40,697,831 |
¥5,797,831 |
| 35 |
1.00% |
¥98,518 |
¥41,377,438 |
¥6,477,438 |
| 35 |
1.10% |
¥100,153 |
¥42,064,074 |
¥7,164,074 |
| 35 |
1.20% |
¥101,804 |
¥42,757,721 |
¥7,857,721 |
| 35 |
1.30% |
¥103,472 |
¥43,458,359 |
¥8,558,359 |
| 35 |
1.40% |
¥105,157 |
¥44,165,965 |
¥9,265,965 |
| 35 |
1.50% |
¥106,858 |
¥44,880,515 |
¥9,980,515 |
| 35 |
1.60% |
¥108,576 |
¥45,601,985 |
¥10,701,985 |
| 35 |
1.70% |
¥110,310 |
¥46,330,347 |
¥11,430,347 |
| 35 |
1.80% |
¥112,061 |
¥47,065,574 |
¥12,165,574 |
| 35 |
1.90% |
¥113,828 |
¥47,807,634 |
¥12,907,634 |
| 35 |
2.00% |
¥115,611 |
¥48,556,497 |
¥13,656,497 |
| 35 |
2.10% |
¥117,410 |
¥49,312,129 |
¥14,412,129 |
| 35 |
2.20% |
¥119,225 |
¥50,074,497 |
¥15,174,497 |
| 35 |
2.30% |
¥121,056 |
¥50,843,565 |
¥15,943,565 |
| 35 |
2.40% |
¥122,903 |
¥51,619,295 |
¥16,719,295 |
| 35 |
2.50% |
¥124,766 |
¥52,401,649 |
¥17,501,649 |
| 35 |
2.60% |
¥126,644 |
¥53,190,587 |
¥18,290,587 |
| 35 |
2.70% |
¥128,538 |
¥53,986,068 |
¥19,086,068 |
| 35 |
2.80% |
¥130,448 |
¥54,788,050 |
¥19,888,050 |
| 35 |
2.90% |
¥132,373 |
¥55,596,489 |
¥20,696,489 |
| 35 |
3.00% |
¥134,313 |
¥56,411,341 |
¥21,511,341 |
3490万円｜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% |
¥107,508 |
¥38,702,804 |
¥3,802,804 |
| 30 |
0.80% |
¥109,075 |
¥39,266,936 |
¥4,366,936 |
| 30 |
0.90% |
¥110,656 |
¥39,836,267 |
¥4,936,267 |
| 30 |
1.00% |
¥112,252 |
¥40,410,789 |
¥5,510,789 |
| 30 |
1.10% |
¥113,862 |
¥40,990,493 |
¥6,090,493 |
| 30 |
1.20% |
¥115,487 |
¥41,575,368 |
¥6,675,368 |
| 30 |
1.30% |
¥117,126 |
¥42,165,403 |
¥7,265,403 |
| 30 |
1.40% |
¥118,779 |
¥42,760,586 |
¥7,860,586 |
| 30 |
1.50% |
¥120,447 |
¥43,360,903 |
¥8,460,903 |
| 30 |
1.60% |
¥122,129 |
¥43,966,341 |
¥9,066,341 |
| 30 |
1.70% |
¥123,825 |
¥44,576,885 |
¥9,676,885 |
| 30 |
1.80% |
¥125,535 |
¥45,192,519 |
¥10,292,519 |
| 30 |
1.90% |
¥127,259 |
¥45,813,227 |
¥10,913,227 |
| 30 |
2.00% |
¥128,997 |
¥46,438,991 |
¥11,538,991 |
| 30 |
2.10% |
¥130,749 |
¥47,069,793 |
¥12,169,793 |
| 30 |
2.20% |
¥132,516 |
¥47,705,614 |
¥12,805,614 |
| 30 |
2.30% |
¥134,296 |
¥48,346,434 |
¥13,446,434 |
| 30 |
2.40% |
¥136,090 |
¥48,992,233 |
¥14,092,233 |
| 30 |
2.50% |
¥137,897 |
¥49,642,990 |
¥14,742,990 |
| 30 |
2.60% |
¥139,719 |
¥50,298,681 |
¥15,398,681 |
| 30 |
2.70% |
¥141,554 |
¥50,959,285 |
¥16,059,285 |
| 30 |
2.80% |
¥143,402 |
¥51,624,778 |
¥16,724,778 |
| 30 |
2.90% |
¥145,264 |
¥52,295,135 |
¥17,395,135 |
| 30 |
3.00% |
¥147,140 |
¥52,970,331 |
¥18,070,331 |
3490万円｜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% |
¥126,843 |
¥38,052,925 |
¥3,152,925 |
| 25 |
0.80% |
¥128,393 |
¥38,517,849 |
¥3,617,849 |
| 25 |
0.90% |
¥129,955 |
¥38,986,391 |
¥4,086,391 |
| 25 |
1.00% |
¥131,528 |
¥39,458,546 |
¥4,558,546 |
| 25 |
1.10% |
¥133,114 |
¥39,934,309 |
¥5,034,309 |
| 25 |
1.20% |
¥134,712 |
¥40,413,675 |
¥5,513,675 |
| 25 |
1.30% |
¥136,322 |
¥40,896,639 |
¥5,996,639 |
| 25 |
1.40% |
¥137,944 |
¥41,383,194 |
¥6,483,194 |
| 25 |
1.50% |
¥139,578 |
¥41,873,333 |
¥6,973,333 |
| 25 |
1.60% |
¥141,224 |
¥42,367,051 |
¥7,467,051 |
| 25 |
1.70% |
¥142,881 |
¥42,864,340 |
¥7,964,340 |
| 25 |
1.80% |
¥144,551 |
¥43,365,191 |
¥8,465,191 |
| 25 |
1.90% |
¥146,232 |
¥43,869,597 |
¥8,969,597 |
| 25 |
2.00% |
¥147,925 |
¥44,377,549 |
¥9,477,549 |
| 25 |
2.10% |
¥149,630 |
¥44,889,039 |
¥9,989,039 |
| 25 |
2.20% |
¥151,347 |
¥45,404,055 |
¥10,504,055 |
| 25 |
2.30% |
¥153,075 |
¥45,922,590 |
¥11,022,590 |
| 25 |
2.40% |
¥154,815 |
¥46,444,633 |
¥11,544,633 |
| 25 |
2.50% |
¥156,567 |
¥46,970,172 |
¥12,070,172 |
| 25 |
2.60% |
¥158,331 |
¥47,499,197 |
¥12,599,197 |
| 25 |
2.70% |
¥160,106 |
¥48,031,697 |
¥13,131,697 |
| 25 |
2.80% |
¥161,892 |
¥48,567,660 |
¥13,667,660 |
| 25 |
2.90% |
¥163,690 |
¥49,107,073 |
¥14,207,073 |
| 25 |
3.00% |
¥165,500 |
¥49,649,925 |
¥14,749,925 |
3490万円｜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% |
¥155,876 |
¥37,410,146 |
¥2,510,146 |
| 20 |
0.80% |
¥157,408 |
¥37,778,029 |
¥2,878,029 |
| 20 |
0.90% |
¥158,951 |
¥38,148,230 |
¥3,248,230 |
| 20 |
1.00% |
¥160,503 |
¥38,520,747 |
¥3,620,747 |
| 20 |
1.10% |
¥162,065 |
¥38,895,579 |
¥3,995,579 |
| 20 |
1.20% |
¥163,636 |
¥39,272,723 |
¥4,372,723 |
| 20 |
1.30% |
¥165,217 |
¥39,652,177 |
¥4,752,177 |
| 20 |
1.40% |
¥166,808 |
¥40,033,938 |
¥5,133,938 |
| 20 |
1.50% |
¥168,408 |
¥40,418,003 |
¥5,518,003 |
| 20 |
1.60% |
¥170,018 |
¥40,804,370 |
¥5,904,370 |
| 20 |
1.70% |
¥171,638 |
¥41,193,036 |
¥6,293,036 |
| 20 |
1.80% |
¥173,267 |
¥41,583,996 |
¥6,683,996 |
| 20 |
1.90% |
¥174,905 |
¥41,977,248 |
¥7,077,248 |
| 20 |
2.00% |
¥176,553 |
¥42,372,788 |
¥7,472,788 |
| 20 |
2.10% |
¥178,211 |
¥42,770,612 |
¥7,870,612 |
| 20 |
2.20% |
¥179,878 |
¥43,170,716 |
¥8,270,716 |
| 20 |
2.30% |
¥181,555 |
¥43,573,096 |
¥8,673,096 |
| 20 |
2.40% |
¥183,241 |
¥43,977,748 |
¥9,077,748 |
| 20 |
2.50% |
¥184,936 |
¥44,384,666 |
¥9,484,666 |
| 20 |
2.60% |
¥186,641 |
¥44,793,847 |
¥9,893,847 |
| 20 |
2.70% |
¥188,355 |
¥45,205,286 |
¥10,305,286 |
| 20 |
2.80% |
¥190,079 |
¥45,618,977 |
¥10,718,977 |
| 20 |
2.90% |
¥191,812 |
¥46,034,915 |
¥11,134,915 |
| 20 |
3.00% |
¥193,555 |
¥46,453,095 |
¥11,553,095 |
3490万円｜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% |
¥204,303 |
¥36,774,477 |
¥1,874,477 |
| 15 |
0.80% |
¥205,819 |
¥37,047,488 |
¥2,147,488 |
| 15 |
0.90% |
¥207,343 |
¥37,321,804 |
¥2,421,804 |
| 15 |
1.00% |
¥208,875 |
¥37,597,425 |
¥2,697,425 |
| 15 |
1.10% |
¥210,413 |
¥37,874,351 |
¥2,974,351 |
| 15 |
1.20% |
¥211,959 |
¥38,152,579 |
¥3,252,579 |
| 15 |
1.30% |
¥213,512 |
¥38,432,110 |
¥3,532,110 |
| 15 |
1.40% |
¥215,072 |
¥38,712,943 |
¥3,812,943 |
| 15 |
1.50% |
¥216,639 |
¥38,995,077 |
¥4,095,077 |
| 15 |
1.60% |
¥218,214 |
¥39,278,510 |
¥4,378,510 |
| 15 |
1.70% |
¥219,796 |
¥39,563,241 |
¥4,663,241 |
| 15 |
1.80% |
¥221,385 |
¥39,849,271 |
¥4,949,271 |
| 15 |
1.90% |
¥222,981 |
¥40,136,596 |
¥5,236,596 |
| 15 |
2.00% |
¥224,585 |
¥40,425,217 |
¥5,525,217 |
| 15 |
2.10% |
¥226,195 |
¥40,715,131 |
¥5,815,131 |
| 15 |
2.20% |
¥227,813 |
¥41,006,338 |
¥6,106,338 |
| 15 |
2.30% |
¥229,438 |
¥41,298,835 |
¥6,398,835 |
| 15 |
2.40% |
¥231,070 |
¥41,592,623 |
¥6,692,623 |
| 15 |
2.50% |
¥232,709 |
¥41,887,698 |
¥6,987,698 |
| 15 |
2.60% |
¥234,356 |
¥42,184,060 |
¥7,284,060 |
| 15 |
2.70% |
¥236,009 |
¥42,481,707 |
¥7,581,707 |
| 15 |
2.80% |
¥237,670 |
¥42,780,636 |
¥7,880,636 |
| 15 |
2.90% |
¥239,338 |
¥43,080,848 |
¥8,180,848 |
| 15 |
3.00% |
¥241,013 |
¥43,382,339 |
¥8,482,339 |
3490万円｜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% |
¥301,216 |
¥36,145,924 |
¥1,245,924 |
| 10 |
0.80% |
¥302,719 |
¥36,326,237 |
¥1,426,237 |
| 10 |
0.90% |
¥304,226 |
¥36,507,131 |
¥1,607,131 |
| 10 |
1.00% |
¥305,738 |
¥36,688,606 |
¥1,788,606 |
| 10 |
1.10% |
¥307,256 |
¥36,870,661 |
¥1,970,661 |
| 10 |
1.20% |
¥308,777 |
¥37,053,296 |
¥2,153,296 |
| 10 |
1.30% |
¥310,304 |
¥37,236,511 |
¥2,336,511 |
| 10 |
1.40% |
¥311,836 |
¥37,420,306 |
¥2,520,306 |
| 10 |
1.50% |
¥313,372 |
¥37,604,680 |
¥2,704,680 |
| 10 |
1.60% |
¥314,914 |
¥37,789,634 |
¥2,889,634 |
| 10 |
1.70% |
¥316,460 |
¥37,975,166 |
¥3,075,166 |
| 10 |
1.80% |
¥318,011 |
¥38,161,277 |
¥3,261,277 |
| 10 |
1.90% |
¥319,566 |
¥38,347,967 |
¥3,447,967 |
| 10 |
2.00% |
¥321,127 |
¥38,535,234 |
¥3,635,234 |
| 10 |
2.10% |
¥322,692 |
¥38,723,080 |
¥3,823,080 |
| 10 |
2.20% |
¥324,263 |
¥38,911,503 |
¥4,011,503 |
| 10 |
2.30% |
¥325,838 |
¥39,100,504 |
¥4,200,504 |
| 10 |
2.40% |
¥327,417 |
¥39,290,081 |
¥4,390,081 |
| 10 |
2.50% |
¥329,002 |
¥39,480,235 |
¥4,580,235 |
| 10 |
2.60% |
¥330,591 |
¥39,670,965 |
¥4,770,965 |
| 10 |
2.70% |
¥332,186 |
¥39,862,271 |
¥4,962,271 |
| 10 |
2.80% |
¥333,785 |
¥40,054,152 |
¥5,154,152 |
| 10 |
2.90% |
¥335,388 |
¥40,246,609 |
¥5,346,609 |
| 10 |
3.00% |
¥336,997 |
¥40,439,640 |
¥5,539,640 |
