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 |
