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 |
