3540万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。3540万円の住宅ローンが、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。
3540万円の住宅ローン｜期間・年数別
3540万円｜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% |
¥69,943 |
¥41,965,859 |
¥6,565,859 |
| 50 |
0.80% |
¥71,604 |
¥42,962,389 |
¥7,562,389 |
| 50 |
0.90% |
¥73,289 |
¥43,973,420 |
¥8,573,420 |
| 50 |
1.00% |
¥74,998 |
¥44,998,890 |
¥9,598,890 |
| 50 |
1.10% |
¥76,731 |
¥46,038,728 |
¥10,638,728 |
| 50 |
1.20% |
¥78,488 |
¥47,092,858 |
¥11,692,858 |
| 50 |
1.30% |
¥80,269 |
¥48,161,197 |
¥12,761,197 |
| 50 |
1.40% |
¥82,073 |
¥49,243,655 |
¥13,843,655 |
| 50 |
1.50% |
¥83,900 |
¥50,340,136 |
¥14,940,136 |
| 50 |
1.60% |
¥85,751 |
¥51,450,540 |
¥16,050,540 |
| 50 |
1.70% |
¥87,625 |
¥52,574,757 |
¥17,174,757 |
| 50 |
1.80% |
¥89,521 |
¥53,712,675 |
¥18,312,675 |
| 50 |
1.90% |
¥91,440 |
¥54,864,174 |
¥19,464,174 |
| 50 |
2.00% |
¥93,382 |
¥56,029,130 |
¥20,629,130 |
| 50 |
2.10% |
¥95,346 |
¥57,207,413 |
¥21,807,413 |
| 50 |
2.20% |
¥97,331 |
¥58,398,889 |
¥22,998,889 |
| 50 |
2.30% |
¥99,339 |
¥59,603,418 |
¥24,203,418 |
| 50 |
2.40% |
¥101,368 |
¥60,820,857 |
¥25,420,857 |
| 50 |
2.50% |
¥103,418 |
¥62,051,057 |
¥26,651,057 |
| 50 |
2.60% |
¥105,490 |
¥63,293,866 |
¥27,893,866 |
| 50 |
2.70% |
¥107,582 |
¥64,549,128 |
¥29,149,128 |
| 50 |
2.80% |
¥109,694 |
¥65,816,684 |
¥30,416,684 |
| 50 |
2.90% |
¥111,827 |
¥67,096,370 |
¥31,696,370 |
| 50 |
3.00% |
¥113,980 |
¥68,388,021 |
¥32,988,021 |
3540万円｜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% |
¥76,441 |
¥41,277,970 |
¥5,877,970 |
| 45 |
0.80% |
¥78,084 |
¥42,165,169 |
¥6,765,169 |
| 45 |
0.90% |
¥79,748 |
¥43,064,150 |
¥7,664,150 |
| 45 |
1.00% |
¥81,435 |
¥43,974,870 |
¥8,574,870 |
| 45 |
1.10% |
¥83,143 |
¥44,897,284 |
¥9,497,284 |
| 45 |
1.20% |
¥84,873 |
¥45,831,342 |
¥10,431,342 |
| 45 |
1.30% |
¥86,624 |
¥46,776,986 |
¥11,376,986 |
| 45 |
1.40% |
¥88,397 |
¥47,734,159 |
¥12,334,159 |
| 45 |
1.50% |
¥90,190 |
¥48,702,796 |
¥13,302,796 |
| 45 |
1.60% |
¥92,005 |
¥49,682,830 |
¥14,282,830 |
| 45 |
1.70% |
¥93,841 |
¥50,674,188 |
¥15,274,188 |
| 45 |
1.80% |
¥95,698 |
¥51,676,795 |
¥16,276,795 |
| 45 |
1.90% |
¥97,575 |
¥52,690,571 |
¥17,290,571 |
| 45 |
2.00% |
¥99,473 |
¥53,715,432 |
¥18,315,432 |
| 45 |
2.10% |
¥101,391 |
¥54,751,292 |
¥19,351,292 |
| 45 |
2.20% |
¥103,330 |
¥55,798,059 |
¥20,398,059 |
| 45 |
2.30% |
¥105,288 |
¥56,855,640 |
¥21,455,640 |
| 45 |
2.40% |
¥107,267 |
¥57,923,938 |
¥22,523,938 |
| 45 |
2.50% |
¥109,265 |
¥59,002,851 |
¥23,602,851 |
| 45 |
2.60% |
¥111,282 |
¥60,092,277 |
¥24,692,277 |
| 45 |
2.70% |
¥113,319 |
¥61,192,109 |
¥25,792,109 |
| 45 |
2.80% |
¥115,375 |
¥62,302,237 |
¥26,902,237 |
| 45 |
2.90% |
¥117,449 |
¥63,422,552 |
¥28,022,552 |
| 45 |
3.00% |
¥119,542 |
¥64,552,937 |
¥29,152,937 |
3540万円｜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% |
¥84,578 |
¥40,597,235 |
¥5,197,235 |
| 40 |
0.80% |
¥86,203 |
¥41,377,264 |
¥5,977,264 |
| 40 |
0.90% |
¥87,847 |
¥42,166,628 |
¥6,766,628 |
| 40 |
1.00% |
¥89,511 |
¥42,965,299 |
¥7,565,299 |
| 40 |
1.10% |
¥91,194 |
¥43,773,249 |
¥8,373,249 |
| 40 |
1.20% |
¥92,897 |
¥44,590,446 |
¥9,190,446 |
| 40 |
1.30% |
¥94,618 |
¥45,416,854 |
¥10,016,854 |
| 40 |
1.40% |
¥96,359 |
¥46,252,436 |
¥10,852,436 |
| 40 |
1.50% |
¥98,119 |
¥47,097,151 |
¥11,697,151 |
| 40 |
1.60% |
¥99,898 |
¥47,950,957 |
¥12,550,957 |
| 40 |
1.70% |
¥101,695 |
¥48,813,808 |
¥13,413,808 |
| 40 |
1.80% |
¥103,512 |
¥49,685,655 |
¥14,285,655 |
| 40 |
1.90% |
¥105,347 |
¥50,566,447 |
¥15,166,447 |
| 40 |
2.00% |
¥107,200 |
¥51,456,133 |
¥16,056,133 |
| 40 |
2.10% |
¥109,072 |
¥52,354,655 |
¥16,954,655 |
| 40 |
2.20% |
¥110,962 |
¥53,261,955 |
¥17,861,955 |
| 40 |
2.30% |
¥112,871 |
¥54,177,975 |
¥18,777,975 |
| 40 |
2.40% |
¥114,797 |
¥55,102,650 |
¥19,702,650 |
| 40 |
2.50% |
¥116,741 |
¥56,035,916 |
¥20,635,916 |
| 40 |
2.60% |
¥118,704 |
¥56,977,707 |
¥21,577,707 |
| 40 |
2.70% |
¥120,683 |
¥57,927,954 |
¥22,527,954 |
| 40 |
2.80% |
¥122,680 |
¥58,886,586 |
¥23,486,586 |
| 40 |
2.90% |
¥124,695 |
¥59,853,531 |
¥24,453,531 |
| 40 |
3.00% |
¥126,726 |
¥60,828,713 |
¥25,428,713 |
3540万円｜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% |
¥95,056 |
¥39,923,669 |
¥4,523,669 |
| 35 |
0.80% |
¥96,664 |
¥40,598,700 |
¥5,198,700 |
| 35 |
0.90% |
¥98,288 |
¥41,280,895 |
¥5,880,895 |
| 35 |
1.00% |
¥99,929 |
¥41,970,238 |
¥6,570,238 |
| 35 |
1.10% |
¥101,587 |
¥42,666,711 |
¥7,266,711 |
| 35 |
1.20% |
¥103,263 |
¥43,370,296 |
¥7,970,296 |
| 35 |
1.30% |
¥104,955 |
¥44,080,971 |
¥8,680,971 |
| 35 |
1.40% |
¥106,664 |
¥44,798,715 |
¥9,398,715 |
| 35 |
1.50% |
¥108,389 |
¥45,523,502 |
¥10,123,502 |
| 35 |
1.60% |
¥110,132 |
¥46,255,309 |
¥10,855,309 |
| 35 |
1.70% |
¥111,891 |
¥46,994,106 |
¥11,594,106 |
| 35 |
1.80% |
¥113,666 |
¥47,739,865 |
¥12,339,865 |
| 35 |
1.90% |
¥115,458 |
¥48,492,557 |
¥13,092,557 |
| 35 |
2.00% |
¥117,267 |
¥49,252,149 |
¥13,852,149 |
| 35 |
2.10% |
¥119,092 |
¥50,018,607 |
¥14,618,607 |
| 35 |
2.20% |
¥120,933 |
¥50,791,897 |
¥15,391,897 |
| 35 |
2.30% |
¥122,790 |
¥51,571,983 |
¥16,171,983 |
| 35 |
2.40% |
¥124,664 |
¥52,358,826 |
¥16,958,826 |
| 35 |
2.50% |
¥126,553 |
¥53,152,389 |
¥17,752,389 |
| 35 |
2.60% |
¥128,459 |
¥53,952,630 |
¥18,552,630 |
| 35 |
2.70% |
¥130,380 |
¥54,759,507 |
¥19,359,507 |
| 35 |
2.80% |
¥132,317 |
¥55,572,979 |
¥20,172,979 |
| 35 |
2.90% |
¥134,269 |
¥56,393,001 |
¥20,993,001 |
| 35 |
3.00% |
¥136,237 |
¥57,219,526 |
¥21,819,526 |
3540万円｜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% |
¥109,048 |
¥39,257,286 |
¥3,857,286 |
| 30 |
0.80% |
¥110,637 |
¥39,829,499 |
¥4,429,499 |
| 30 |
0.90% |
¥112,242 |
¥40,406,987 |
¥5,006,987 |
| 30 |
1.00% |
¥113,860 |
¥40,989,740 |
¥5,589,740 |
| 30 |
1.10% |
¥115,494 |
¥41,577,750 |
¥6,177,750 |
| 30 |
1.20% |
¥117,142 |
¥42,171,004 |
¥6,771,004 |
| 30 |
1.30% |
¥118,804 |
¥42,769,492 |
¥7,369,492 |
| 30 |
1.40% |
¥120,481 |
¥43,373,202 |
¥7,973,202 |
| 30 |
1.50% |
¥122,173 |
¥43,982,120 |
¥8,582,120 |
| 30 |
1.60% |
¥123,878 |
¥44,596,231 |
¥9,196,231 |
| 30 |
1.70% |
¥125,599 |
¥45,215,522 |
¥9,815,522 |
| 30 |
1.80% |
¥127,333 |
¥45,839,976 |
¥10,439,976 |
| 30 |
1.90% |
¥129,082 |
¥46,469,577 |
¥11,069,577 |
| 30 |
2.00% |
¥130,845 |
¥47,104,306 |
¥11,704,306 |
| 30 |
2.10% |
¥132,623 |
¥47,744,145 |
¥12,344,145 |
| 30 |
2.20% |
¥134,414 |
¥48,389,075 |
¥12,989,075 |
| 30 |
2.30% |
¥136,220 |
¥49,039,076 |
¥13,639,076 |
| 30 |
2.40% |
¥138,039 |
¥49,694,128 |
¥14,294,128 |
| 30 |
2.50% |
¥139,873 |
¥50,354,207 |
¥14,954,207 |
| 30 |
2.60% |
¥141,720 |
¥51,019,293 |
¥15,619,293 |
| 30 |
2.70% |
¥143,582 |
¥51,689,361 |
¥16,289,361 |
| 30 |
2.80% |
¥145,457 |
¥52,364,388 |
¥16,964,388 |
| 30 |
2.90% |
¥147,345 |
¥53,044,349 |
¥17,644,349 |
| 30 |
3.00% |
¥149,248 |
¥53,729,218 |
¥18,329,218 |
3540万円｜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% |
¥128,660 |
¥38,598,095 |
¥3,198,095 |
| 25 |
0.80% |
¥130,232 |
¥39,069,681 |
¥3,669,681 |
| 25 |
0.90% |
¥131,816 |
¥39,544,935 |
¥4,144,935 |
| 25 |
1.00% |
¥133,413 |
¥40,023,855 |
¥4,623,855 |
| 25 |
1.10% |
¥135,021 |
¥40,506,434 |
¥5,106,434 |
| 25 |
1.20% |
¥136,642 |
¥40,992,668 |
¥5,592,668 |
| 25 |
1.30% |
¥138,275 |
¥41,482,550 |
¥6,082,550 |
| 25 |
1.40% |
¥139,920 |
¥41,976,076 |
¥6,576,076 |
| 25 |
1.50% |
¥141,577 |
¥42,473,238 |
¥7,073,238 |
| 25 |
1.60% |
¥143,247 |
¥42,974,029 |
¥7,574,029 |
| 25 |
1.70% |
¥144,928 |
¥43,478,442 |
¥8,078,442 |
| 25 |
1.80% |
¥146,622 |
¥43,986,469 |
¥8,586,469 |
| 25 |
1.90% |
¥148,327 |
¥44,498,101 |
¥9,098,101 |
| 25 |
2.00% |
¥150,044 |
¥45,013,331 |
¥9,613,331 |
| 25 |
2.10% |
¥151,774 |
¥45,532,148 |
¥10,132,148 |
| 25 |
2.20% |
¥153,515 |
¥46,054,543 |
¥10,654,543 |
| 25 |
2.30% |
¥155,268 |
¥46,580,507 |
¥11,180,507 |
| 25 |
2.40% |
¥157,033 |
¥47,110,029 |
¥11,710,029 |
| 25 |
2.50% |
¥158,810 |
¥47,643,097 |
¥12,243,097 |
| 25 |
2.60% |
¥160,599 |
¥48,179,702 |
¥12,779,702 |
| 25 |
2.70% |
¥162,399 |
¥48,719,831 |
¥13,319,831 |
| 25 |
2.80% |
¥164,212 |
¥49,263,472 |
¥13,863,472 |
| 25 |
2.90% |
¥166,035 |
¥49,810,613 |
¥14,410,613 |
| 25 |
3.00% |
¥167,871 |
¥50,361,242 |
¥14,961,242 |
3540万円｜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% |
¥158,109 |
¥37,946,108 |
¥2,546,108 |
| 20 |
0.80% |
¥159,664 |
¥38,319,261 |
¥2,919,261 |
| 20 |
0.90% |
¥161,228 |
¥38,694,766 |
¥3,294,766 |
| 20 |
1.00% |
¥162,803 |
¥39,072,620 |
¥3,672,620 |
| 20 |
1.10% |
¥164,387 |
¥39,452,822 |
¥4,052,822 |
| 20 |
1.20% |
¥165,981 |
¥39,835,369 |
¥4,435,369 |
| 20 |
1.30% |
¥167,584 |
¥40,220,260 |
¥4,820,260 |
| 20 |
1.40% |
¥169,198 |
¥40,607,490 |
¥5,207,490 |
| 20 |
1.50% |
¥170,821 |
¥40,997,058 |
¥5,597,058 |
| 20 |
1.60% |
¥172,454 |
¥41,388,960 |
¥5,988,960 |
| 20 |
1.70% |
¥174,097 |
¥41,783,194 |
¥6,383,194 |
| 20 |
1.80% |
¥175,749 |
¥42,179,755 |
¥6,779,755 |
| 20 |
1.90% |
¥177,411 |
¥42,578,641 |
¥7,178,641 |
| 20 |
2.00% |
¥179,083 |
¥42,979,848 |
¥7,579,848 |
| 20 |
2.10% |
¥180,764 |
¥43,383,372 |
¥7,983,372 |
| 20 |
2.20% |
¥182,455 |
¥43,789,208 |
¥8,389,208 |
| 20 |
2.30% |
¥184,156 |
¥44,197,353 |
¥8,797,353 |
| 20 |
2.40% |
¥185,866 |
¥44,607,801 |
¥9,207,801 |
| 20 |
2.50% |
¥187,586 |
¥45,020,550 |
¥9,620,550 |
| 20 |
2.60% |
¥189,315 |
¥45,435,593 |
¥10,035,593 |
| 20 |
2.70% |
¥191,054 |
¥45,852,926 |
¥10,452,926 |
| 20 |
2.80% |
¥192,802 |
¥46,272,544 |
¥10,872,544 |
| 20 |
2.90% |
¥194,560 |
¥46,694,441 |
¥11,294,441 |
| 20 |
3.00% |
¥196,328 |
¥47,118,612 |
¥11,718,612 |
3540万円｜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% |
¥207,230 |
¥37,301,332 |
¥1,901,332 |
| 15 |
0.80% |
¥208,768 |
¥37,578,254 |
¥2,178,254 |
| 15 |
0.90% |
¥210,314 |
¥37,856,501 |
¥2,456,501 |
| 15 |
1.00% |
¥211,867 |
¥38,136,070 |
¥2,736,070 |
| 15 |
1.10% |
¥213,428 |
¥38,416,963 |
¥3,016,963 |
| 15 |
1.20% |
¥214,995 |
¥38,699,178 |
¥3,299,178 |
| 15 |
1.30% |
¥216,571 |
¥38,982,714 |
¥3,582,714 |
| 15 |
1.40% |
¥218,153 |
¥39,267,570 |
¥3,867,570 |
| 15 |
1.50% |
¥219,743 |
¥39,553,745 |
¥4,153,745 |
| 15 |
1.60% |
¥221,340 |
¥39,841,239 |
¥4,441,239 |
| 15 |
1.70% |
¥222,945 |
¥40,130,050 |
¥4,730,050 |
| 15 |
1.80% |
¥224,557 |
¥40,420,177 |
¥5,020,177 |
| 15 |
1.90% |
¥226,176 |
¥40,711,619 |
¥5,311,619 |
| 15 |
2.00% |
¥227,802 |
¥41,004,374 |
¥5,604,374 |
| 15 |
2.10% |
¥229,436 |
¥41,298,442 |
¥5,898,442 |
| 15 |
2.20% |
¥231,077 |
¥41,593,821 |
¥6,193,821 |
| 15 |
2.30% |
¥232,725 |
¥41,890,509 |
¥6,490,509 |
| 15 |
2.40% |
¥234,381 |
¥42,188,506 |
¥6,788,506 |
| 15 |
2.50% |
¥236,043 |
¥42,487,808 |
¥7,087,808 |
| 15 |
2.60% |
¥237,713 |
¥42,788,416 |
¥7,388,416 |
| 15 |
2.70% |
¥239,391 |
¥43,090,327 |
¥7,690,327 |
| 15 |
2.80% |
¥241,075 |
¥43,393,540 |
¥7,993,540 |
| 15 |
2.90% |
¥242,767 |
¥43,698,052 |
¥8,298,052 |
| 15 |
3.00% |
¥244,466 |
¥44,003,862 |
¥8,603,862 |
3540万円｜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% |
¥305,531 |
¥36,663,774 |
¥1,263,774 |
| 10 |
0.80% |
¥307,056 |
¥36,846,670 |
¥1,446,670 |
| 10 |
0.90% |
¥308,585 |
¥37,030,156 |
¥1,630,156 |
| 10 |
1.00% |
¥310,119 |
¥37,214,231 |
¥1,814,231 |
| 10 |
1.10% |
¥311,657 |
¥37,398,894 |
¥1,998,894 |
| 10 |
1.20% |
¥313,201 |
¥37,584,146 |
¥2,184,146 |
| 10 |
1.30% |
¥314,750 |
¥37,769,986 |
¥2,369,986 |
| 10 |
1.40% |
¥316,303 |
¥37,956,413 |
¥2,556,413 |
| 10 |
1.50% |
¥317,862 |
¥38,143,429 |
¥2,743,429 |
| 10 |
1.60% |
¥319,425 |
¥38,331,032 |
¥2,931,032 |
| 10 |
1.70% |
¥320,994 |
¥38,519,223 |
¥3,119,223 |
| 10 |
1.80% |
¥322,567 |
¥38,708,000 |
¥3,308,000 |
| 10 |
1.90% |
¥324,145 |
¥38,897,365 |
¥3,497,365 |
| 10 |
2.00% |
¥325,728 |
¥39,087,315 |
¥3,687,315 |
| 10 |
2.10% |
¥327,315 |
¥39,277,852 |
¥3,877,852 |
| 10 |
2.20% |
¥328,908 |
¥39,468,975 |
¥4,068,975 |
| 10 |
2.30% |
¥330,506 |
¥39,660,683 |
¥4,260,683 |
| 10 |
2.40% |
¥332,108 |
¥39,852,976 |
¥4,452,976 |
| 10 |
2.50% |
¥333,715 |
¥40,045,854 |
¥4,645,854 |
| 10 |
2.60% |
¥335,328 |
¥40,239,317 |
¥4,839,317 |
| 10 |
2.70% |
¥336,945 |
¥40,433,364 |
¥5,033,364 |
| 10 |
2.80% |
¥338,567 |
¥40,627,994 |
¥5,227,994 |
| 10 |
2.90% |
¥340,193 |
¥40,823,208 |
¥5,423,208 |
| 10 |
3.00% |
¥341,825 |
¥41,019,004 |
¥5,619,004 |
