3650万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。3650万円の住宅ローンが、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。
3650万円の住宅ローン｜期間・年数別
3650万円｜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% | ¥72,116 | ¥43,269,882 | ¥6,769,882 |
| 50 | 0.80% | ¥73,829 | ¥44,297,378 | ¥7,797,378 |
| 50 | 0.90% | ¥75,566 | ¥45,339,826 | ¥8,839,826 |
| 50 | 1.00% | ¥77,329 | ¥46,397,160 | ¥9,897,160 |
| 50 | 1.10% | ¥79,116 | ¥47,469,310 | ¥10,969,310 |
| 50 | 1.20% | ¥80,927 | ¥48,556,195 | ¥12,056,195 |
| 50 | 1.30% | ¥82,763 | ¥49,657,731 | ¥13,157,731 |
| 50 | 1.40% | ¥84,623 | ¥50,773,825 | ¥14,273,825 |
| 50 | 1.50% | ¥86,507 | ¥51,904,378 | ¥15,404,378 |
| 50 | 1.60% | ¥88,415 | ¥53,049,285 | ¥16,549,285 |
| 50 | 1.70% | ¥90,347 | ¥54,208,436 | ¥17,708,436 |
| 50 | 1.80% | ¥92,303 | ¥55,381,713 | ¥18,881,713 |
| 50 | 1.90% | ¥94,282 | ¥56,568,993 | ¥20,068,993 |
| 50 | 2.00% | ¥96,284 | ¥57,770,148 | ¥21,270,148 |
| 50 | 2.10% | ¥98,308 | ¥58,985,044 | ¥22,485,044 |
| 50 | 2.20% | ¥100,356 | ¥60,213,543 | ¥23,713,543 |
| 50 | 2.30% | ¥102,426 | ¥61,455,501 | ¥24,955,501 |
| 50 | 2.40% | ¥104,518 | ¥62,710,770 | ¥26,210,770 |
| 50 | 2.50% | ¥106,632 | ¥63,979,197 | ¥27,479,197 |
| 50 | 2.60% | ¥108,768 | ¥65,260,625 | ¥28,760,625 |
| 50 | 2.70% | ¥110,925 | ¥66,554,892 | ¥30,054,892 |
| 50 | 2.80% | ¥113,103 | ¥67,861,835 | ¥31,361,835 |
| 50 | 2.90% | ¥115,302 | ¥69,181,286 | ¥32,681,286 |
| 50 | 3.00% | ¥117,522 | ¥70,513,072 | ¥34,013,072 |
3650万円｜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% | ¥78,816 | ¥42,560,619 | ¥6,060,619 |
| 45 | 0.80% | ¥80,510 | ¥43,475,386 | ¥6,975,386 |
| 45 | 0.90% | ¥82,226 | ¥44,402,301 | ¥7,902,301 |
| 45 | 1.00% | ¥83,965 | ¥45,341,321 | ¥8,841,321 |
| 45 | 1.10% | ¥85,727 | ¥46,292,398 | ¥9,792,398 |
| 45 | 1.20% | ¥87,510 | ¥47,255,479 | ¥10,755,479 |
| 45 | 1.30% | ¥89,316 | ¥48,230,508 | ¥11,730,508 |
| 45 | 1.40% | ¥91,143 | ¥49,217,424 | ¥12,717,424 |
| 45 | 1.50% | ¥92,993 | ¥50,216,160 | ¥13,716,160 |
| 45 | 1.60% | ¥94,864 | ¥51,226,647 | ¥14,726,647 |
| 45 | 1.70% | ¥96,757 | ¥52,248,810 | ¥15,748,810 |
| 45 | 1.80% | ¥98,671 | ¥53,282,571 | ¥16,782,571 |
| 45 | 1.90% | ¥100,607 | ¥54,327,849 | ¥17,827,849 |
| 45 | 2.00% | ¥102,564 | ¥55,384,556 | ¥18,884,556 |
| 45 | 2.10% | ¥104,542 | ¥56,452,603 | ¥19,952,603 |
| 45 | 2.20% | ¥106,541 | ¥57,531,897 | ¥21,031,897 |
| 45 | 2.30% | ¥108,560 | ¥58,622,341 | ¥22,122,341 |
| 45 | 2.40% | ¥110,600 | ¥59,723,834 | ¥23,223,834 |
| 45 | 2.50% | ¥112,660 | ¥60,836,273 | ¥24,336,273 |
| 45 | 2.60% | ¥114,740 | ¥61,959,551 | ¥25,459,551 |
| 45 | 2.70% | ¥116,840 | ¥63,093,558 | ¥26,593,558 |
| 45 | 2.80% | ¥118,960 | ¥64,238,183 | ¥27,738,183 |
| 45 | 2.90% | ¥121,099 | ¥65,393,309 | ¥28,893,309 |
| 45 | 3.00% | ¥123,257 | ¥66,558,819 | ¥30,058,819 |
3650万円｜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% | ¥87,206 | ¥41,858,731 | ¥5,358,731 |
| 40 | 0.80% | ¥88,881 | ¥42,662,998 | ¥6,162,998 |
| 40 | 0.90% | ¥90,577 | ¥43,476,890 | ¥6,976,890 |
| 40 | 1.00% | ¥92,292 | ¥44,300,379 | ¥7,800,379 |
| 40 | 1.10% | ¥94,028 | ¥45,133,435 | ¥8,633,435 |
| 40 | 1.20% | ¥95,783 | ¥45,976,024 | ¥9,476,024 |
| 40 | 1.30% | ¥97,559 | ¥46,828,112 | ¥10,328,112 |
| 40 | 1.40% | ¥99,353 | ¥47,689,658 | ¥11,189,658 |
| 40 | 1.50% | ¥101,168 | ¥48,560,622 | ¥12,060,622 |
| 40 | 1.60% | ¥103,002 | ¥49,440,958 | ¥12,940,958 |
| 40 | 1.70% | ¥104,855 | ¥50,330,621 | ¥13,830,621 |
| 40 | 1.80% | ¥106,728 | ¥51,229,559 | ¥14,729,559 |
| 40 | 1.90% | ¥108,620 | ¥52,137,721 | ¥15,637,721 |
| 40 | 2.00% | ¥110,531 | ¥53,055,052 | ¥16,555,052 |
| 40 | 2.10% | ¥112,461 | ¥53,981,494 | ¥17,481,494 |
| 40 | 2.20% | ¥114,410 | ¥54,916,988 | ¥18,416,988 |
| 40 | 2.30% | ¥116,378 | ¥55,861,471 | ¥19,361,471 |
| 40 | 2.40% | ¥118,364 | ¥56,814,879 | ¥20,314,879 |
| 40 | 2.50% | ¥120,369 | ¥57,777,145 | ¥21,277,145 |
| 40 | 2.60% | ¥122,392 | ¥58,748,201 | ¥22,248,201 |
| 40 | 2.70% | ¥124,433 | ¥59,727,976 | ¥23,227,976 |
| 40 | 2.80% | ¥126,492 | ¥60,716,395 | ¥24,216,395 |
| 40 | 2.90% | ¥128,570 | ¥61,713,386 | ¥25,213,386 |
| 40 | 3.00% | ¥130,664 | ¥62,718,871 | ¥26,218,871 |
3650万円｜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% | ¥98,010 | ¥41,164,235 | ¥4,664,235 |
| 35 | 0.80% | ¥99,667 | ¥41,860,242 | ¥5,360,242 |
| 35 | 0.90% | ¥101,342 | ¥42,563,635 | ¥6,063,635 |
| 35 | 1.00% | ¥103,034 | ¥43,274,398 | ¥6,774,398 |
| 35 | 1.10% | ¥104,744 | ¥43,992,513 | ¥7,492,513 |
| 35 | 1.20% | ¥106,471 | ¥44,717,960 | ¥8,217,960 |
| 35 | 1.30% | ¥108,216 | ¥45,450,719 | ¥8,950,719 |
| 35 | 1.40% | ¥109,978 | ¥46,190,765 | ¥9,690,765 |
| 35 | 1.50% | ¥111,757 | ¥46,938,075 | ¥10,438,075 |
| 35 | 1.60% | ¥113,554 | ¥47,692,620 | ¥11,192,620 |
| 35 | 1.70% | ¥115,368 | ¥48,454,375 | ¥11,954,375 |
| 35 | 1.80% | ¥117,198 | ¥49,223,308 | ¥12,723,308 |
| 35 | 1.90% | ¥119,046 | ¥49,999,388 | ¥13,499,388 |
| 35 | 2.00% | ¥120,911 | ¥50,782,583 | ¥14,282,583 |
| 35 | 2.10% | ¥122,793 | ¥51,572,857 | ¥15,072,857 |
| 35 | 2.20% | ¥124,691 | ¥52,370,176 | ¥15,870,176 |
| 35 | 2.30% | ¥126,606 | ¥53,174,502 | ¥16,674,502 |
| 35 | 2.40% | ¥128,538 | ¥53,985,795 | ¥17,485,795 |
| 35 | 2.50% | ¥130,486 | ¥54,804,017 | ¥18,304,017 |
| 35 | 2.60% | ¥132,450 | ¥55,629,124 | ¥19,129,124 |
| 35 | 2.70% | ¥134,431 | ¥56,461,074 | ¥19,961,074 |
| 35 | 2.80% | ¥136,428 | ¥57,299,823 | ¥20,799,823 |
| 35 | 2.90% | ¥138,441 | ¥58,145,325 | ¥21,645,325 |
| 35 | 3.00% | ¥140,470 | ¥58,997,534 | ¥22,497,534 |
3650万円｜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% | ¥112,437 | ¥40,477,145 | ¥3,977,145 |
| 30 | 0.80% | ¥114,075 | ¥41,067,139 | ¥4,567,139 |
| 30 | 0.90% | ¥115,729 | ¥41,662,572 | ¥5,162,572 |
| 30 | 1.00% | ¥117,398 | ¥42,263,433 | ¥5,763,433 |
| 30 | 1.10% | ¥119,083 | ¥42,869,714 | ¥6,369,714 |
| 30 | 1.20% | ¥120,782 | ¥43,481,402 | ¥6,981,402 |
| 30 | 1.30% | ¥122,496 | ¥44,098,488 | ¥7,598,488 |
| 30 | 1.40% | ¥124,225 | ¥44,720,957 | ¥8,220,957 |
| 30 | 1.50% | ¥125,969 | ¥45,348,796 | ¥8,848,796 |
| 30 | 1.60% | ¥127,728 | ¥45,981,990 | ¥9,481,990 |
| 30 | 1.70% | ¥129,501 | ¥46,620,524 | ¥10,120,524 |
| 30 | 1.80% | ¥131,290 | ¥47,264,382 | ¥10,764,382 |
| 30 | 1.90% | ¥133,093 | ¥47,913,546 | ¥11,413,546 |
| 30 | 2.00% | ¥134,911 | ¥48,567,999 | ¥12,067,999 |
| 30 | 2.10% | ¥136,744 | ¥49,227,720 | ¥12,727,720 |
| 30 | 2.20% | ¥138,591 | ¥49,892,691 | ¥13,392,691 |
| 30 | 2.30% | ¥140,452 | ¥50,562,890 | ¥14,062,890 |
| 30 | 2.40% | ¥142,329 | ¥51,238,296 | ¥14,738,296 |
| 30 | 2.50% | ¥144,219 | ¥51,918,886 | ¥15,418,886 |
| 30 | 2.60% | ¥146,124 | ¥52,604,638 | ¥16,104,638 |
| 30 | 2.70% | ¥148,043 | ¥53,295,528 | ¥16,795,528 |
| 30 | 2.80% | ¥149,976 | ¥53,991,530 | ¥17,491,530 |
| 30 | 2.90% | ¥151,924 | ¥54,692,619 | ¥18,192,619 |
| 30 | 3.00% | ¥153,885 | ¥55,398,770 | ¥18,898,770 |
3650万円｜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% | ¥132,658 | ¥39,797,471 | ¥3,297,471 |
| 25 | 0.80% | ¥134,279 | ¥40,283,710 | ¥3,783,710 |
| 25 | 0.90% | ¥135,912 | ¥40,773,733 | ¥4,273,733 |
| 25 | 1.00% | ¥137,558 | ¥41,267,534 | ¥4,767,534 |
| 25 | 1.10% | ¥139,217 | ¥41,765,108 | ¥5,265,108 |
| 25 | 1.20% | ¥140,888 | ¥42,266,451 | ¥5,766,451 |
| 25 | 1.30% | ¥142,572 | ¥42,771,556 | ¥6,271,556 |
| 25 | 1.40% | ¥144,268 | ¥43,280,417 | ¥6,780,417 |
| 25 | 1.50% | ¥145,977 | ¥43,793,028 | ¥7,293,028 |
| 25 | 1.60% | ¥147,698 | ¥44,309,380 | ¥7,809,380 |
| 25 | 1.70% | ¥149,432 | ¥44,829,467 | ¥8,329,467 |
| 25 | 1.80% | ¥151,178 | ¥45,353,280 | ¥8,853,280 |
| 25 | 1.90% | ¥152,936 | ¥45,880,811 | ¥9,380,811 |
| 25 | 2.00% | ¥154,707 | ¥46,412,050 | ¥9,912,050 |
| 25 | 2.10% | ¥156,490 | ¥46,946,989 | ¥10,446,989 |
| 25 | 2.20% | ¥158,285 | ¥47,485,617 | ¥10,985,617 |
| 25 | 2.30% | ¥160,093 | ¥48,027,924 | ¥11,527,924 |
| 25 | 2.40% | ¥161,913 | ¥48,573,900 | ¥12,073,900 |
| 25 | 2.50% | ¥163,745 | ¥49,123,532 | ¥12,623,532 |
| 25 | 2.60% | ¥165,589 | ¥49,676,811 | ¥13,176,811 |
| 25 | 2.70% | ¥167,446 | ¥50,233,724 | ¥13,733,724 |
| 25 | 2.80% | ¥169,314 | ¥50,794,258 | ¥14,294,258 |
| 25 | 2.90% | ¥171,195 | ¥51,358,400 | ¥14,858,400 |
| 25 | 3.00% | ¥173,087 | ¥51,926,139 | ¥15,426,139 |
3650万円｜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% | ¥163,022 | ¥39,125,225 | ¥2,625,225 |
| 20 | 0.80% | ¥164,625 | ¥39,509,973 | ¥3,009,973 |
| 20 | 0.90% | ¥166,238 | ¥39,897,146 | ¥3,397,146 |
| 20 | 1.00% | ¥167,861 | ¥40,286,741 | ¥3,786,741 |
| 20 | 1.10% | ¥169,495 | ¥40,678,757 | ¥4,178,757 |
| 20 | 1.20% | ¥171,138 | ¥41,073,192 | ¥4,573,192 |
| 20 | 1.30% | ¥172,792 | ¥41,470,042 | ¥4,970,042 |
| 20 | 1.40% | ¥174,455 | ¥41,869,305 | ¥5,369,305 |
| 20 | 1.50% | ¥176,129 | ¥42,270,978 | ¥5,770,978 |
| 20 | 1.60% | ¥177,813 | ¥42,675,058 | ¥6,175,058 |
| 20 | 1.70% | ¥179,506 | ¥43,081,542 | ¥6,581,542 |
| 20 | 1.80% | ¥181,210 | ¥43,490,426 | ¥6,990,426 |
| 20 | 1.90% | ¥182,924 | ¥43,901,707 | ¥7,401,707 |
| 20 | 2.00% | ¥184,647 | ¥44,315,380 | ¥7,815,380 |
| 20 | 2.10% | ¥186,381 | ¥44,731,443 | ¥8,231,443 |
| 20 | 2.20% | ¥188,125 | ¥45,149,889 | ¥8,649,889 |
| 20 | 2.30% | ¥189,878 | ¥45,570,717 | ¥9,070,717 |
| 20 | 2.40% | ¥191,641 | ¥45,993,920 | ¥9,493,920 |
| 20 | 2.50% | ¥193,415 | ¥46,419,493 | ¥9,919,493 |
| 20 | 2.60% | ¥195,198 | ¥46,847,433 | ¥10,347,433 |
| 20 | 2.70% | ¥196,991 | ¥47,277,734 | ¥10,777,734 |
| 20 | 2.80% | ¥198,793 | ¥47,710,391 | ¥11,210,391 |
| 20 | 2.90% | ¥200,606 | ¥48,145,398 | ¥11,645,398 |
| 20 | 3.00% | ¥202,428 | ¥48,582,750 | ¥12,082,750 |
3650万円｜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% | ¥213,669 | ¥38,460,413 | ¥1,960,413 |
| 15 | 0.80% | ¥215,255 | ¥38,745,940 | ¥2,245,940 |
| 15 | 0.90% | ¥216,849 | ¥39,032,833 | ¥2,532,833 |
| 15 | 1.00% | ¥218,450 | ¥39,321,090 | ¥2,821,090 |
| 15 | 1.10% | ¥220,060 | ¥39,610,711 | ¥3,110,711 |
| 15 | 1.20% | ¥221,676 | ¥39,901,695 | ¥3,401,695 |
| 15 | 1.30% | ¥223,300 | ¥40,194,041 | ¥3,694,041 |
| 15 | 1.40% | ¥224,932 | ¥40,487,749 | ¥3,987,749 |
| 15 | 1.50% | ¥226,571 | ¥40,782,816 | ¥4,282,816 |
| 15 | 1.60% | ¥228,218 | ¥41,079,244 | ¥4,579,244 |
| 15 | 1.70% | ¥229,872 | ¥41,377,029 | ¥4,877,029 |
| 15 | 1.80% | ¥231,534 | ¥41,676,171 | ¥5,176,171 |
| 15 | 1.90% | ¥233,204 | ¥41,976,669 | ¥5,476,669 |
| 15 | 2.00% | ¥234,881 | ¥42,278,522 | ¥5,778,522 |
| 15 | 2.10% | ¥236,565 | ¥42,581,727 | ¥6,081,727 |
| 15 | 2.20% | ¥238,257 | ¥42,886,284 | ¥6,386,284 |
| 15 | 2.30% | ¥239,957 | ¥43,192,192 | ¥6,692,192 |
| 15 | 2.40% | ¥241,664 | ¥43,499,448 | ¥6,999,448 |
| 15 | 2.50% | ¥243,378 | ¥43,808,051 | ¥7,308,051 |
| 15 | 2.60% | ¥245,100 | ¥44,118,000 | ¥7,618,000 |
| 15 | 2.70% | ¥246,829 | ¥44,429,292 | ¥7,929,292 |
| 15 | 2.80% | ¥248,566 | ¥44,741,926 | ¥8,241,926 |
| 15 | 2.90% | ¥250,311 | ¥45,055,901 | ¥8,555,901 |
| 15 | 3.00% | ¥252,062 | ¥45,371,214 | ¥8,871,214 |
3650万円｜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% | ¥315,025 | ¥37,803,043 | ¥1,303,043 |
| 10 | 0.80% | ¥316,597 | ¥37,991,623 | ¥1,491,623 |
| 10 | 0.90% | ¥318,173 | ¥38,180,811 | ¥1,680,811 |
| 10 | 1.00% | ¥319,755 | ¥38,370,605 | ¥1,870,605 |
| 10 | 1.10% | ¥321,342 | ¥38,561,007 | ¥2,061,007 |
| 10 | 1.20% | ¥322,933 | ¥38,752,015 | ¥2,252,015 |
| 10 | 1.30% | ¥324,530 | ¥38,943,629 | ¥2,443,629 |
| 10 | 1.40% | ¥326,132 | ¥39,135,850 | ¥2,635,850 |
| 10 | 1.50% | ¥327,739 | ¥39,328,677 | ¥2,828,677 |
| 10 | 1.60% | ¥329,351 | ¥39,522,110 | ¥3,022,110 |
| 10 | 1.70% | ¥330,968 | ¥39,716,148 | ¥3,216,148 |
| 10 | 1.80% | ¥332,590 | ¥39,910,791 | ¥3,410,791 |
| 10 | 1.90% | ¥334,217 | ¥40,106,040 | ¥3,606,040 |
| 10 | 2.00% | ¥335,849 | ¥40,301,893 | ¥3,801,893 |
| 10 | 2.10% | ¥337,486 | ¥40,498,350 | ¥3,998,350 |
| 10 | 2.20% | ¥339,128 | ¥40,695,412 | ¥4,195,412 |
| 10 | 2.30% | ¥340,776 | ¥40,893,077 | ¥4,393,077 |
| 10 | 2.40% | ¥342,428 | ¥41,091,345 | ¥4,591,345 |
| 10 | 2.50% | ¥344,085 | ¥41,290,217 | ¥4,790,217 |
| 10 | 2.60% | ¥345,747 | ¥41,489,691 | ¥4,989,691 |
| 10 | 2.70% | ¥347,415 | ¥41,689,767 | ¥5,189,767 |
| 10 | 2.80% | ¥349,087 | ¥41,890,446 | ¥5,390,446 |
| 10 | 2.90% | ¥350,764 | ¥42,091,725 | ¥5,591,725 |
| 10 | 3.00% | ¥352,447 | ¥42,293,606 | ¥5,793,606 |
