3820万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。3820万円の住宅ローンが、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。
3820万円の住宅ローン｜期間・年数別
3820万円｜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% |
¥75,475 |
¥45,285,192 |
¥7,085,192 |
| 50 |
0.80% |
¥77,268 |
¥46,360,544 |
¥8,160,544 |
| 50 |
0.90% |
¥79,086 |
¥47,451,544 |
¥9,251,544 |
| 50 |
1.00% |
¥80,930 |
¥48,558,124 |
¥10,358,124 |
| 50 |
1.10% |
¥82,800 |
¥49,680,209 |
¥11,480,209 |
| 50 |
1.20% |
¥84,696 |
¥50,817,717 |
¥12,617,717 |
| 50 |
1.30% |
¥86,618 |
¥51,970,557 |
¥13,770,557 |
| 50 |
1.40% |
¥88,564 |
¥53,138,633 |
¥14,938,633 |
| 50 |
1.50% |
¥90,536 |
¥54,321,842 |
¥16,121,842 |
| 50 |
1.60% |
¥92,533 |
¥55,520,074 |
¥17,320,074 |
| 50 |
1.70% |
¥94,555 |
¥56,733,212 |
¥18,533,212 |
| 50 |
1.80% |
¥96,602 |
¥57,961,135 |
¥19,761,135 |
| 50 |
1.90% |
¥98,673 |
¥59,203,713 |
¥21,003,713 |
| 50 |
2.00% |
¥100,768 |
¥60,460,812 |
¥22,260,812 |
| 50 |
2.10% |
¥102,887 |
¥61,732,293 |
¥23,532,293 |
| 50 |
2.20% |
¥105,030 |
¥63,018,010 |
¥24,818,010 |
| 50 |
2.30% |
¥107,196 |
¥64,317,812 |
¥26,117,812 |
| 50 |
2.40% |
¥109,386 |
¥65,631,546 |
¥27,431,546 |
| 50 |
2.50% |
¥111,598 |
¥66,959,050 |
¥28,759,050 |
| 50 |
2.60% |
¥113,834 |
¥68,300,160 |
¥30,100,160 |
| 50 |
2.70% |
¥116,091 |
¥69,654,709 |
¥31,454,709 |
| 50 |
2.80% |
¥118,371 |
¥71,022,524 |
¥32,822,524 |
| 50 |
2.90% |
¥120,672 |
¥72,403,428 |
¥34,203,428 |
| 50 |
3.00% |
¥122,995 |
¥73,797,243 |
¥35,597,243 |
3820万円｜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% |
¥82,487 |
¥44,542,894 |
¥6,342,894 |
| 45 |
0.80% |
¥84,260 |
¥45,500,267 |
¥7,300,267 |
| 45 |
0.90% |
¥86,056 |
¥46,470,353 |
¥8,270,353 |
| 45 |
1.00% |
¥87,876 |
¥47,453,109 |
¥9,253,109 |
| 45 |
1.10% |
¥89,719 |
¥48,448,482 |
¥10,248,482 |
| 45 |
1.20% |
¥91,586 |
¥49,456,419 |
¥11,256,419 |
| 45 |
1.30% |
¥93,476 |
¥50,476,861 |
¥12,276,861 |
| 45 |
1.40% |
¥95,388 |
¥51,509,742 |
¥13,309,742 |
| 45 |
1.50% |
¥97,324 |
¥52,554,995 |
¥14,354,995 |
| 45 |
1.60% |
¥99,282 |
¥53,612,545 |
¥15,412,545 |
| 45 |
1.70% |
¥101,264 |
¥54,682,316 |
¥16,482,316 |
| 45 |
1.80% |
¥103,267 |
¥55,764,225 |
¥17,564,225 |
| 45 |
1.90% |
¥105,293 |
¥56,858,187 |
¥18,658,187 |
| 45 |
2.00% |
¥107,341 |
¥57,964,111 |
¥19,764,111 |
| 45 |
2.10% |
¥109,411 |
¥59,081,903 |
¥20,881,903 |
| 45 |
2.20% |
¥111,503 |
¥60,211,465 |
¥22,011,465 |
| 45 |
2.30% |
¥113,616 |
¥61,352,696 |
¥23,152,696 |
| 45 |
2.40% |
¥115,751 |
¥62,505,492 |
¥24,305,492 |
| 45 |
2.50% |
¥117,907 |
¥63,669,743 |
¥25,469,743 |
| 45 |
2.60% |
¥120,084 |
¥64,845,338 |
¥26,645,338 |
| 45 |
2.70% |
¥122,282 |
¥66,032,162 |
¥27,832,162 |
| 45 |
2.80% |
¥124,500 |
¥67,230,098 |
¥29,030,098 |
| 45 |
2.90% |
¥126,739 |
¥68,439,025 |
¥30,239,025 |
| 45 |
3.00% |
¥128,998 |
¥69,658,819 |
¥31,458,819 |
3820万円｜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% |
¥91,267 |
¥43,808,316 |
¥5,608,316 |
| 40 |
0.80% |
¥93,021 |
¥44,650,042 |
¥6,450,042 |
| 40 |
0.90% |
¥94,796 |
¥45,501,841 |
¥7,301,841 |
| 40 |
1.00% |
¥96,591 |
¥46,363,684 |
¥8,163,684 |
| 40 |
1.10% |
¥98,407 |
¥47,235,540 |
¥9,035,540 |
| 40 |
1.20% |
¥100,245 |
¥48,117,373 |
¥9,917,373 |
| 40 |
1.30% |
¥102,102 |
¥49,009,147 |
¥10,809,147 |
| 40 |
1.40% |
¥103,981 |
¥49,910,820 |
¥11,710,820 |
| 40 |
1.50% |
¥105,880 |
¥50,822,349 |
¥12,622,349 |
| 40 |
1.60% |
¥107,799 |
¥51,743,688 |
¥13,543,688 |
| 40 |
1.70% |
¥109,739 |
¥52,674,787 |
¥14,474,787 |
| 40 |
1.80% |
¥111,699 |
¥53,615,593 |
¥15,415,593 |
| 40 |
1.90% |
¥113,679 |
¥54,566,053 |
¥16,366,053 |
| 40 |
2.00% |
¥115,679 |
¥55,526,109 |
¥17,326,109 |
| 40 |
2.10% |
¥117,699 |
¥56,495,701 |
¥18,295,701 |
| 40 |
2.20% |
¥119,739 |
¥57,474,765 |
¥19,274,765 |
| 40 |
2.30% |
¥121,798 |
¥58,463,238 |
¥20,263,238 |
| 40 |
2.40% |
¥123,877 |
¥59,461,052 |
¥21,261,052 |
| 40 |
2.50% |
¥125,975 |
¥60,468,136 |
¥22,268,136 |
| 40 |
2.60% |
¥128,093 |
¥61,484,419 |
¥23,284,419 |
| 40 |
2.70% |
¥130,229 |
¥62,509,826 |
¥24,309,826 |
| 40 |
2.80% |
¥132,384 |
¥63,544,282 |
¥25,344,282 |
| 40 |
2.90% |
¥134,558 |
¥64,587,708 |
¥26,387,708 |
| 40 |
3.00% |
¥136,750 |
¥65,640,024 |
¥27,440,024 |
3820万円｜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% |
¥102,575 |
¥43,081,474 |
¥4,881,474 |
| 35 |
0.80% |
¥104,309 |
¥43,809,897 |
¥5,609,897 |
| 35 |
0.90% |
¥106,062 |
¥44,546,051 |
¥6,346,051 |
| 35 |
1.00% |
¥107,833 |
¥45,289,918 |
¥7,089,918 |
| 35 |
1.10% |
¥109,623 |
¥46,041,479 |
¥7,841,479 |
| 35 |
1.20% |
¥111,430 |
¥46,800,715 |
¥8,600,715 |
| 35 |
1.30% |
¥113,256 |
¥47,567,602 |
¥9,367,602 |
| 35 |
1.40% |
¥115,100 |
¥48,342,116 |
¥10,142,116 |
| 35 |
1.50% |
¥116,962 |
¥49,124,232 |
¥10,924,232 |
| 35 |
1.60% |
¥118,843 |
¥49,913,921 |
¥11,713,921 |
| 35 |
1.70% |
¥120,741 |
¥50,711,154 |
¥12,511,154 |
| 35 |
1.80% |
¥122,657 |
¥51,515,900 |
¥13,315,900 |
| 35 |
1.90% |
¥124,591 |
¥52,328,127 |
¥14,128,127 |
| 35 |
2.00% |
¥126,542 |
¥53,147,799 |
¥14,947,799 |
| 35 |
2.10% |
¥128,512 |
¥53,974,881 |
¥15,774,881 |
| 35 |
2.20% |
¥130,498 |
¥54,809,335 |
¥16,609,335 |
| 35 |
2.30% |
¥132,503 |
¥55,651,122 |
¥17,451,122 |
| 35 |
2.40% |
¥134,524 |
¥56,500,202 |
¥18,300,202 |
| 35 |
2.50% |
¥136,563 |
¥57,356,532 |
¥19,156,532 |
| 35 |
2.60% |
¥138,619 |
¥58,220,069 |
¥20,020,069 |
| 35 |
2.70% |
¥140,692 |
¥59,090,768 |
¥20,890,768 |
| 35 |
2.80% |
¥142,782 |
¥59,968,582 |
¥21,768,582 |
| 35 |
2.90% |
¥144,889 |
¥60,853,464 |
¥22,653,464 |
| 35 |
3.00% |
¥147,013 |
¥61,745,364 |
¥23,545,364 |
3820万円｜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% |
¥117,673 |
¥42,362,382 |
¥4,162,382 |
| 30 |
0.80% |
¥119,388 |
¥42,979,855 |
¥4,779,855 |
| 30 |
0.90% |
¥121,120 |
¥43,603,020 |
¥5,403,020 |
| 30 |
1.00% |
¥122,866 |
¥44,231,867 |
¥6,031,867 |
| 30 |
1.10% |
¥124,629 |
¥44,866,385 |
¥6,666,385 |
| 30 |
1.20% |
¥126,407 |
¥45,506,564 |
¥7,306,564 |
| 30 |
1.30% |
¥128,201 |
¥46,152,390 |
¥7,952,390 |
| 30 |
1.40% |
¥130,011 |
¥46,803,851 |
¥8,603,851 |
| 30 |
1.50% |
¥131,836 |
¥47,460,931 |
¥9,260,931 |
| 30 |
1.60% |
¥133,677 |
¥48,123,617 |
¥9,923,617 |
| 30 |
1.70% |
¥135,533 |
¥48,791,891 |
¥10,591,891 |
| 30 |
1.80% |
¥137,405 |
¥49,465,737 |
¥11,265,737 |
| 30 |
1.90% |
¥139,292 |
¥50,145,136 |
¥11,945,136 |
| 30 |
2.00% |
¥141,195 |
¥50,830,070 |
¥12,630,070 |
| 30 |
2.10% |
¥143,113 |
¥51,520,518 |
¥13,320,518 |
| 30 |
2.20% |
¥145,046 |
¥52,216,460 |
¥14,016,460 |
| 30 |
2.30% |
¥146,994 |
¥52,917,873 |
¥14,717,873 |
| 30 |
2.40% |
¥148,958 |
¥53,624,737 |
¥15,424,737 |
| 30 |
2.50% |
¥150,936 |
¥54,337,026 |
¥16,137,026 |
| 30 |
2.60% |
¥152,930 |
¥55,054,717 |
¥16,854,717 |
| 30 |
2.70% |
¥154,938 |
¥55,777,785 |
¥17,577,785 |
| 30 |
2.80% |
¥156,962 |
¥56,506,204 |
¥18,306,204 |
| 30 |
2.90% |
¥159,000 |
¥57,239,947 |
¥19,039,947 |
| 30 |
3.00% |
¥161,053 |
¥57,978,987 |
¥19,778,987 |
3820万円｜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% |
¥138,837 |
¥41,651,052 |
¥3,451,052 |
| 25 |
0.80% |
¥140,533 |
¥42,159,938 |
¥3,959,938 |
| 25 |
0.90% |
¥142,243 |
¥42,672,783 |
¥4,472,783 |
| 25 |
1.00% |
¥143,965 |
¥43,189,583 |
¥4,989,583 |
| 25 |
1.10% |
¥145,701 |
¥43,710,333 |
¥5,510,333 |
| 25 |
1.20% |
¥147,450 |
¥44,235,025 |
¥6,035,025 |
| 25 |
1.30% |
¥149,212 |
¥44,763,656 |
¥6,563,656 |
| 25 |
1.40% |
¥150,987 |
¥45,296,218 |
¥7,096,218 |
| 25 |
1.50% |
¥152,776 |
¥45,832,703 |
¥7,632,703 |
| 25 |
1.60% |
¥154,577 |
¥46,373,105 |
¥8,173,105 |
| 25 |
1.70% |
¥156,391 |
¥46,917,415 |
¥8,717,415 |
| 25 |
1.80% |
¥158,219 |
¥47,465,625 |
¥9,265,625 |
| 25 |
1.90% |
¥160,059 |
¥48,017,725 |
¥9,817,725 |
| 25 |
2.00% |
¥161,912 |
¥48,573,707 |
¥10,373,707 |
| 25 |
2.10% |
¥163,779 |
¥49,133,561 |
¥10,933,561 |
| 25 |
2.20% |
¥165,658 |
¥49,697,276 |
¥11,497,276 |
| 25 |
2.30% |
¥167,549 |
¥50,264,841 |
¥12,064,841 |
| 25 |
2.40% |
¥169,454 |
¥50,836,246 |
¥12,636,246 |
| 25 |
2.50% |
¥171,372 |
¥51,411,478 |
¥13,211,478 |
| 25 |
2.60% |
¥173,302 |
¥51,990,526 |
¥13,790,526 |
| 25 |
2.70% |
¥175,245 |
¥52,573,376 |
¥14,373,376 |
| 25 |
2.80% |
¥177,200 |
¥53,160,018 |
¥14,960,018 |
| 25 |
2.90% |
¥179,168 |
¥53,750,435 |
¥15,550,435 |
| 25 |
3.00% |
¥181,149 |
¥54,344,617 |
¥16,144,617 |
3820万円｜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% |
¥170,615 |
¥40,947,495 |
¥2,747,495 |
| 20 |
0.80% |
¥172,292 |
¥41,350,163 |
¥3,150,163 |
| 20 |
0.90% |
¥173,981 |
¥41,755,369 |
¥3,555,369 |
| 20 |
1.00% |
¥175,680 |
¥42,163,110 |
¥3,963,110 |
| 20 |
1.10% |
¥177,389 |
¥42,573,384 |
¥4,373,384 |
| 20 |
1.20% |
¥179,109 |
¥42,986,190 |
¥4,786,190 |
| 20 |
1.30% |
¥180,840 |
¥43,401,523 |
¥5,201,523 |
| 20 |
1.40% |
¥182,581 |
¥43,819,382 |
¥5,619,382 |
| 20 |
1.50% |
¥184,332 |
¥44,239,763 |
¥6,039,763 |
| 20 |
1.60% |
¥186,094 |
¥44,662,663 |
¥6,462,663 |
| 20 |
1.70% |
¥187,867 |
¥45,088,079 |
¥6,888,079 |
| 20 |
1.80% |
¥189,650 |
¥45,516,007 |
¥7,316,007 |
| 20 |
1.90% |
¥191,444 |
¥45,946,444 |
¥7,746,444 |
| 20 |
2.00% |
¥193,247 |
¥46,379,384 |
¥8,179,384 |
| 20 |
2.10% |
¥195,062 |
¥46,814,825 |
¥8,614,825 |
| 20 |
2.20% |
¥196,887 |
¥47,252,761 |
¥9,052,761 |
| 20 |
2.30% |
¥198,722 |
¥47,693,188 |
¥9,493,188 |
| 20 |
2.40% |
¥200,567 |
¥48,136,102 |
¥9,936,102 |
| 20 |
2.50% |
¥202,423 |
¥48,581,497 |
¥10,381,497 |
| 20 |
2.60% |
¥204,289 |
¥49,029,369 |
¥10,829,369 |
| 20 |
2.70% |
¥206,165 |
¥49,479,711 |
¥11,279,711 |
| 20 |
2.80% |
¥208,052 |
¥49,932,519 |
¥11,732,519 |
| 20 |
2.90% |
¥209,949 |
¥50,387,786 |
¥12,187,786 |
| 20 |
3.00% |
¥211,856 |
¥50,845,508 |
¥12,645,508 |
3820万円｜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% |
¥223,621 |
¥40,251,720 |
¥2,051,720 |
| 15 |
0.80% |
¥225,281 |
¥40,550,546 |
¥2,350,546 |
| 15 |
0.90% |
¥226,949 |
¥40,850,800 |
¥2,650,800 |
| 15 |
1.00% |
¥228,625 |
¥41,152,483 |
¥2,952,483 |
| 15 |
1.10% |
¥230,309 |
¥41,455,593 |
¥3,255,593 |
| 15 |
1.20% |
¥232,001 |
¥41,760,130 |
¥3,560,130 |
| 15 |
1.30% |
¥233,701 |
¥42,066,092 |
¥3,866,092 |
| 15 |
1.40% |
¥235,408 |
¥42,373,479 |
¥4,173,479 |
| 15 |
1.50% |
¥237,124 |
¥42,682,290 |
¥4,482,290 |
| 15 |
1.60% |
¥238,847 |
¥42,992,523 |
¥4,792,523 |
| 15 |
1.70% |
¥240,579 |
¥43,304,178 |
¥5,104,178 |
| 15 |
1.80% |
¥242,318 |
¥43,617,253 |
¥5,417,253 |
| 15 |
1.90% |
¥244,065 |
¥43,931,747 |
¥5,731,747 |
| 15 |
2.00% |
¥245,820 |
¥44,247,658 |
¥6,047,658 |
| 15 |
2.10% |
¥247,583 |
¥44,564,986 |
¥6,364,986 |
| 15 |
2.20% |
¥249,354 |
¥44,883,728 |
¥6,683,728 |
| 15 |
2.30% |
¥251,133 |
¥45,203,883 |
¥7,003,883 |
| 15 |
2.40% |
¥252,919 |
¥45,525,450 |
¥7,325,450 |
| 15 |
2.50% |
¥254,713 |
¥45,848,426 |
¥7,648,426 |
| 15 |
2.60% |
¥256,516 |
¥46,172,811 |
¥7,972,811 |
| 15 |
2.70% |
¥258,326 |
¥46,498,602 |
¥8,298,602 |
| 15 |
2.80% |
¥260,143 |
¥46,825,797 |
¥8,625,797 |
| 15 |
2.90% |
¥261,969 |
¥47,154,395 |
¥8,954,395 |
| 15 |
3.00% |
¥263,802 |
¥47,484,394 |
¥9,284,394 |
3820万円｜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% |
¥329,698 |
¥39,563,733 |
¥1,363,733 |
| 10 |
0.80% |
¥331,342 |
¥39,761,096 |
¥1,561,096 |
| 10 |
0.90% |
¥332,992 |
¥39,959,095 |
¥1,759,095 |
| 10 |
1.00% |
¥334,648 |
¥40,157,729 |
¥1,957,729 |
| 10 |
1.10% |
¥336,308 |
¥40,356,999 |
¥2,156,999 |
| 10 |
1.20% |
¥337,974 |
¥40,556,903 |
¥2,356,903 |
| 10 |
1.30% |
¥339,645 |
¥40,757,442 |
¥2,557,442 |
| 10 |
1.40% |
¥341,322 |
¥40,958,616 |
¥2,758,616 |
| 10 |
1.50% |
¥343,004 |
¥41,160,424 |
¥2,960,424 |
| 10 |
1.60% |
¥344,691 |
¥41,362,865 |
¥3,162,865 |
| 10 |
1.70% |
¥346,383 |
¥41,565,941 |
¥3,365,941 |
| 10 |
1.80% |
¥348,080 |
¥41,769,650 |
¥3,569,650 |
| 10 |
1.90% |
¥349,783 |
¥41,973,992 |
¥3,773,992 |
| 10 |
2.00% |
¥351,491 |
¥42,178,967 |
¥3,978,967 |
| 10 |
2.10% |
¥353,205 |
¥42,384,575 |
¥4,184,575 |
| 10 |
2.20% |
¥354,923 |
¥42,590,814 |
¥4,390,814 |
| 10 |
2.30% |
¥356,647 |
¥42,797,686 |
¥4,597,686 |
| 10 |
2.40% |
¥358,377 |
¥43,005,189 |
¥4,805,189 |
| 10 |
2.50% |
¥360,111 |
¥43,213,323 |
¥5,013,323 |
| 10 |
2.60% |
¥361,851 |
¥43,422,088 |
¥5,222,088 |
| 10 |
2.70% |
¥363,596 |
¥43,631,483 |
¥5,431,483 |
| 10 |
2.80% |
¥365,346 |
¥43,841,508 |
¥5,641,508 |
| 10 |
2.90% |
¥367,101 |
¥44,052,162 |
¥5,852,162 |
| 10 |
3.00% |
¥368,862 |
¥44,263,445 |
¥6,063,445 |
