3840万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。3840万円の住宅ローンが、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。
3840万円の住宅ローン｜期間・年数別
3840万円｜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% | ¥75,870 | ¥45,522,287 | ¥7,122,287 |
| 50 | 0.80% | ¥77,672 | ¥46,603,269 | ¥8,203,269 |
| 50 | 0.90% | ¥79,500 | ¥47,699,981 | ¥9,299,981 |
| 50 | 1.00% | ¥81,354 | ¥48,812,355 | ¥10,412,355 |
| 50 | 1.10% | ¥83,234 | ¥49,940,315 | ¥11,540,315 |
| 50 | 1.20% | ¥85,140 | ¥51,083,778 | ¥12,683,778 |
| 50 | 1.30% | ¥87,071 | ¥52,242,654 | ¥13,842,654 |
| 50 | 1.40% | ¥89,028 | ¥53,416,846 | ¥15,016,846 |
| 50 | 1.50% | ¥91,010 | ¥54,606,250 | ¥16,206,250 |
| 50 | 1.60% | ¥93,018 | ¥55,810,755 | ¥17,410,755 |
| 50 | 1.70% | ¥95,050 | ¥57,030,245 | ¥18,630,245 |
| 50 | 1.80% | ¥97,108 | ¥58,264,596 | ¥19,864,596 |
| 50 | 1.90% | ¥99,189 | ¥59,513,680 | ¥21,113,680 |
| 50 | 2.00% | ¥101,296 | ¥60,777,361 | ¥22,377,361 |
| 50 | 2.10% | ¥103,426 | ¥62,055,499 | ¥23,655,499 |
| 50 | 2.20% | ¥105,580 | ¥63,347,947 | ¥24,947,947 |
| 50 | 2.30% | ¥107,758 | ¥64,654,555 | ¥26,254,555 |
| 50 | 2.40% | ¥109,959 | ¥65,975,166 | ¥27,575,166 |
| 50 | 2.50% | ¥112,183 | ¥67,309,621 | ¥28,909,621 |
| 50 | 2.60% | ¥114,430 | ¥68,657,753 | ¥30,257,753 |
| 50 | 2.70% | ¥116,699 | ¥70,019,394 | ¥31,619,394 |
| 50 | 2.80% | ¥118,991 | ¥71,394,369 | ¥32,994,369 |
| 50 | 2.90% | ¥121,304 | ¥72,782,503 | ¥34,382,503 |
| 50 | 3.00% | ¥123,639 | ¥74,183,616 | ¥35,783,616 |
3840万円｜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% | ¥82,919 | ¥44,776,103 | ¥6,376,103 |
| 45 | 0.80% | ¥84,701 | ¥45,738,488 | ¥7,338,488 |
| 45 | 0.90% | ¥86,507 | ¥46,713,654 | ¥8,313,654 |
| 45 | 1.00% | ¥88,336 | ¥47,701,554 | ¥9,301,554 |
| 45 | 1.10% | ¥90,189 | ¥48,702,139 | ¥10,302,139 |
| 45 | 1.20% | ¥92,065 | ¥49,715,354 | ¥11,315,354 |
| 45 | 1.30% | ¥93,965 | ¥50,741,138 | ¥12,341,138 |
| 45 | 1.40% | ¥95,888 | ¥51,779,427 | ¥13,379,427 |
| 45 | 1.50% | ¥97,834 | ¥52,830,152 | ¥14,430,152 |
| 45 | 1.60% | ¥99,802 | ¥53,893,239 | ¥15,493,239 |
| 45 | 1.70% | ¥101,794 | ¥54,968,611 | ¥16,568,611 |
| 45 | 1.80% | ¥103,808 | ¥56,056,185 | ¥17,656,185 |
| 45 | 1.90% | ¥105,844 | ¥57,155,874 | ¥18,755,874 |
| 45 | 2.00% | ¥107,903 | ¥58,267,588 | ¥19,867,588 |
| 45 | 2.10% | ¥109,984 | ¥59,391,232 | ¥20,991,232 |
| 45 | 2.20% | ¥112,086 | ¥60,526,708 | ¥22,126,708 |
| 45 | 2.30% | ¥114,211 | ¥61,673,915 | ¥23,273,915 |
| 45 | 2.40% | ¥116,357 | ¥62,832,746 | ¥24,432,746 |
| 45 | 2.50% | ¥118,524 | ¥64,003,092 | ¥25,603,092 |
| 45 | 2.60% | ¥120,713 | ¥65,184,842 | ¥26,784,842 |
| 45 | 2.70% | ¥122,922 | ¥66,377,880 | ¥27,977,880 |
| 45 | 2.80% | ¥125,152 | ¥67,582,088 | ¥29,182,088 |
| 45 | 2.90% | ¥127,402 | ¥68,797,344 | ¥30,397,344 |
| 45 | 3.00% | ¥129,673 | ¥70,023,525 | ¥31,623,525 |
3840万円｜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% | ¥91,745 | ¥44,037,679 | ¥5,637,679 |
| 40 | 0.80% | ¥93,508 | ¥44,883,812 | ¥6,483,812 |
| 40 | 0.90% | ¥95,292 | ¥45,740,071 | ¥7,340,071 |
| 40 | 1.00% | ¥97,097 | ¥46,606,426 | ¥8,206,426 |
| 40 | 1.10% | ¥98,923 | ¥47,482,846 | ¥9,082,846 |
| 40 | 1.20% | ¥100,769 | ¥48,369,297 | ¥9,969,297 |
| 40 | 1.30% | ¥102,637 | ¥49,265,740 | ¥10,865,740 |
| 40 | 1.40% | ¥104,525 | ¥50,172,134 | ¥11,772,134 |
| 40 | 1.50% | ¥106,434 | ¥51,088,435 | ¥12,688,435 |
| 40 | 1.60% | ¥108,364 | ¥52,014,597 | ¥13,614,597 |
| 40 | 1.70% | ¥110,314 | ¥52,950,571 | ¥14,550,571 |
| 40 | 1.80% | ¥112,284 | ¥53,896,303 | ¥15,496,303 |
| 40 | 1.90% | ¥114,274 | ¥54,851,740 | ¥16,451,740 |
| 40 | 2.00% | ¥116,285 | ¥55,816,822 | ¥17,416,822 |
| 40 | 2.10% | ¥118,316 | ¥56,791,490 | ¥18,391,490 |
| 40 | 2.20% | ¥120,366 | ¥57,775,680 | ¥19,375,680 |
| 40 | 2.30% | ¥122,436 | ¥58,769,328 | ¥20,369,328 |
| 40 | 2.40% | ¥124,526 | ¥59,772,366 | ¥21,372,366 |
| 40 | 2.50% | ¥126,635 | ¥60,784,723 | ¥22,384,723 |
| 40 | 2.60% | ¥128,763 | ¥61,806,327 | ¥23,406,327 |
| 40 | 2.70% | ¥130,911 | ¥62,837,103 | ¥24,437,103 |
| 40 | 2.80% | ¥133,077 | ¥63,876,975 | ¥25,476,975 |
| 40 | 2.90% | ¥135,262 | ¥64,925,864 | ¥26,525,864 |
| 40 | 3.00% | ¥137,466 | ¥65,983,689 | ¥27,583,689 |
3840万円｜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% | ¥103,112 | ¥43,307,031 | ¥4,907,031 |
| 35 | 0.80% | ¥104,855 | ¥44,039,268 | ¥5,639,268 |
| 35 | 0.90% | ¥106,617 | ¥44,779,276 | ¥6,379,276 |
| 35 | 1.00% | ¥108,398 | ¥45,527,038 | ¥7,127,038 |
| 35 | 1.10% | ¥110,197 | ¥46,282,534 | ¥7,882,534 |
| 35 | 1.20% | ¥112,014 | ¥47,045,745 | ¥8,645,745 |
| 35 | 1.30% | ¥113,849 | ¥47,816,647 | ¥9,416,647 |
| 35 | 1.40% | ¥115,703 | ¥48,595,216 | ¥10,195,216 |
| 35 | 1.50% | ¥117,575 | ¥49,381,426 | ¥10,981,426 |
| 35 | 1.60% | ¥119,465 | ¥50,175,250 | ¥11,775,250 |
| 35 | 1.70% | ¥121,373 | ¥50,976,657 | ¥12,576,657 |
| 35 | 1.80% | ¥123,299 | ¥51,785,617 | ¥13,385,617 |
| 35 | 1.90% | ¥125,243 | ¥52,602,096 | ¥14,202,096 |
| 35 | 2.00% | ¥127,205 | ¥53,426,059 | ¥15,026,059 |
| 35 | 2.10% | ¥129,184 | ¥54,257,472 | ¥15,857,472 |
| 35 | 2.20% | ¥131,182 | ¥55,096,295 | ¥16,696,295 |
| 35 | 2.30% | ¥133,196 | ¥55,942,490 | ¥17,542,490 |
| 35 | 2.40% | ¥135,229 | ¥56,796,015 | ¥18,396,015 |
| 35 | 2.50% | ¥137,278 | ¥57,656,828 | ¥19,256,828 |
| 35 | 2.60% | ¥139,345 | ¥58,524,886 | ¥20,124,886 |
| 35 | 2.70% | ¥141,429 | ¥59,400,144 | ¥21,000,144 |
| 35 | 2.80% | ¥143,530 | ¥60,282,554 | ¥21,882,554 |
| 35 | 2.90% | ¥145,648 | ¥61,172,068 | ¥22,772,068 |
| 35 | 3.00% | ¥147,782 | ¥62,068,639 | ¥23,668,639 |
3840万円｜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% | ¥118,289 | ¥42,584,174 | ¥4,184,174 |
| 30 | 0.80% | ¥120,014 | ¥43,204,881 | ¥4,804,881 |
| 30 | 0.90% | ¥121,754 | ¥43,831,308 | ¥5,431,308 |
| 30 | 1.00% | ¥123,510 | ¥44,463,447 | ¥6,063,447 |
| 30 | 1.10% | ¥125,281 | ¥45,101,288 | ¥6,701,288 |
| 30 | 1.20% | ¥127,069 | ¥45,744,818 | ¥7,344,818 |
| 30 | 1.30% | ¥128,872 | ¥46,394,025 | ¥7,994,025 |
| 30 | 1.40% | ¥130,691 | ¥47,048,897 | ¥8,648,897 |
| 30 | 1.50% | ¥132,526 | ¥47,709,418 | ¥9,309,418 |
| 30 | 1.60% | ¥134,377 | ¥48,375,573 | ¥9,975,573 |
| 30 | 1.70% | ¥136,243 | ¥49,047,346 | ¥10,647,346 |
| 30 | 1.80% | ¥138,124 | ¥49,724,720 | ¥11,324,720 |
| 30 | 1.90% | ¥140,021 | ¥50,407,676 | ¥12,007,676 |
| 30 | 2.00% | ¥141,934 | ¥51,096,196 | ¥12,696,196 |
| 30 | 2.10% | ¥143,862 | ¥51,790,259 | ¥13,390,259 |
| 30 | 2.20% | ¥145,805 | ¥52,489,844 | ¥14,089,844 |
| 30 | 2.30% | ¥147,764 | ¥53,194,930 | ¥14,794,930 |
| 30 | 2.40% | ¥149,737 | ¥53,905,494 | ¥15,505,494 |
| 30 | 2.50% | ¥151,726 | ¥54,621,513 | ¥16,221,513 |
| 30 | 2.60% | ¥153,730 | ¥55,342,962 | ¥16,942,962 |
| 30 | 2.70% | ¥155,749 | ¥56,069,815 | ¥17,669,815 |
| 30 | 2.80% | ¥157,783 | ¥56,802,048 | ¥18,402,048 |
| 30 | 2.90% | ¥159,832 | ¥57,539,632 | ¥19,139,632 |
| 30 | 3.00% | ¥161,896 | ¥58,282,542 | ¥19,882,542 |
3840万円｜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% | ¥139,564 | ¥41,869,120 | ¥3,469,120 |
| 25 | 0.80% | ¥141,269 | ¥42,380,671 | ¥3,980,671 |
| 25 | 0.90% | ¥142,987 | ¥42,896,201 | ¥4,496,201 |
| 25 | 1.00% | ¥144,719 | ¥43,415,707 | ¥5,015,707 |
| 25 | 1.10% | ¥146,464 | ¥43,939,182 | ¥5,539,182 |
| 25 | 1.20% | ¥148,222 | ¥44,466,622 | ¥6,066,622 |
| 25 | 1.30% | ¥149,993 | ¥44,998,021 | ¥6,598,021 |
| 25 | 1.40% | ¥151,778 | ¥45,533,371 | ¥7,133,371 |
| 25 | 1.50% | ¥153,576 | ¥46,072,665 | ¥7,672,665 |
| 25 | 1.60% | ¥155,386 | ¥46,615,896 | ¥8,215,896 |
| 25 | 1.70% | ¥157,210 | ¥47,163,056 | ¥8,763,056 |
| 25 | 1.80% | ¥159,047 | ¥47,714,136 | ¥9,314,136 |
| 25 | 1.90% | ¥160,897 | ¥48,269,127 | ¥9,869,127 |
| 25 | 2.00% | ¥162,760 | ¥48,828,020 | ¥10,428,020 |
| 25 | 2.10% | ¥164,636 | ¥49,390,805 | ¥10,990,805 |
| 25 | 2.20% | ¥166,525 | ¥49,957,471 | ¥11,557,471 |
| 25 | 2.30% | ¥168,427 | ¥50,528,008 | ¥12,128,008 |
| 25 | 2.40% | ¥170,341 | ¥51,102,404 | ¥12,702,404 |
| 25 | 2.50% | ¥172,269 | ¥51,680,648 | ¥13,280,648 |
| 25 | 2.60% | ¥174,209 | ¥52,262,727 | ¥13,862,727 |
| 25 | 2.70% | ¥176,162 | ¥52,848,630 | ¥14,448,630 |
| 25 | 2.80% | ¥178,128 | ¥53,438,342 | ¥15,038,342 |
| 25 | 2.90% | ¥180,106 | ¥54,031,851 | ¥15,631,851 |
| 25 | 3.00% | ¥182,097 | ¥54,629,143 | ¥16,229,143 |
3840万円｜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% | ¥171,508 | ¥41,161,880 | ¥2,761,880 |
| 20 | 0.80% | ¥173,194 | ¥41,566,656 | ¥3,166,656 |
| 20 | 0.90% | ¥174,892 | ¥41,973,983 | ¥3,573,983 |
| 20 | 1.00% | ¥176,599 | ¥42,383,859 | ¥3,983,859 |
| 20 | 1.10% | ¥178,318 | ¥42,796,282 | ¥4,396,282 |
| 20 | 1.20% | ¥180,047 | ¥43,211,248 | ¥4,811,248 |
| 20 | 1.30% | ¥181,786 | ¥43,628,756 | ¥5,228,756 |
| 20 | 1.40% | ¥183,537 | ¥44,048,803 | ¥5,648,803 |
| 20 | 1.50% | ¥185,297 | ¥44,471,385 | ¥6,071,385 |
| 20 | 1.60% | ¥187,069 | ¥44,896,499 | ¥6,496,499 |
| 20 | 1.70% | ¥188,851 | ¥45,324,143 | ¥6,924,143 |
| 20 | 1.80% | ¥190,643 | ¥45,754,311 | ¥7,354,311 |
| 20 | 1.90% | ¥192,446 | ¥46,187,001 | ¥7,787,001 |
| 20 | 2.00% | ¥194,259 | ¥46,622,208 | ¥8,222,208 |
| 20 | 2.10% | ¥196,083 | ¥47,059,929 | ¥8,659,929 |
| 20 | 2.20% | ¥197,917 | ¥47,500,158 | ¥9,100,158 |
| 20 | 2.30% | ¥199,762 | ¥47,942,891 | ¥9,542,891 |
| 20 | 2.40% | ¥201,617 | ¥48,388,124 | ¥9,988,124 |
| 20 | 2.50% | ¥203,483 | ¥48,835,851 | ¥10,435,851 |
| 20 | 2.60% | ¥205,359 | ¥49,286,067 | ¥10,886,067 |
| 20 | 2.70% | ¥207,245 | ¥49,738,767 | ¥11,338,767 |
| 20 | 2.80% | ¥209,141 | ¥50,193,946 | ¥11,793,946 |
| 20 | 2.90% | ¥211,048 | ¥50,651,597 | ¥12,251,597 |
| 20 | 3.00% | ¥212,965 | ¥51,111,715 | ¥12,711,715 |
3840万円｜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% | ¥224,791 | ¥40,462,462 | ¥2,062,462 |
| 15 | 0.80% | ¥226,460 | ¥40,762,852 | ¥2,362,852 |
| 15 | 0.90% | ¥228,137 | ¥41,064,679 | ¥2,664,679 |
| 15 | 1.00% | ¥229,822 | ¥41,367,941 | ¥2,967,941 |
| 15 | 1.10% | ¥231,515 | ¥41,672,638 | ¥3,272,638 |
| 15 | 1.20% | ¥233,215 | ¥41,978,769 | ¥3,578,769 |
| 15 | 1.30% | ¥234,924 | ¥42,286,333 | ¥3,886,333 |
| 15 | 1.40% | ¥236,641 | ¥42,595,330 | ¥4,195,330 |
| 15 | 1.50% | ¥238,365 | ¥42,905,758 | ¥4,505,758 |
| 15 | 1.60% | ¥240,098 | ¥43,217,615 | ¥4,817,615 |
| 15 | 1.70% | ¥241,838 | ¥43,530,902 | ¥5,130,902 |
| 15 | 1.80% | ¥243,587 | ¥43,845,616 | ¥5,445,616 |
| 15 | 1.90% | ¥245,343 | ¥44,161,756 | ¥5,761,756 |
| 15 | 2.00% | ¥247,107 | ¥44,479,321 | ¥6,079,321 |
| 15 | 2.10% | ¥248,880 | ¥44,798,310 | ¥6,398,310 |
| 15 | 2.20% | ¥250,660 | ¥45,118,721 | ¥6,718,721 |
| 15 | 2.30% | ¥252,448 | ¥45,440,552 | ¥7,040,552 |
| 15 | 2.40% | ¥254,243 | ¥45,763,803 | ¥7,363,803 |
| 15 | 2.50% | ¥256,047 | ¥46,088,470 | ¥7,688,470 |
| 15 | 2.60% | ¥257,859 | ¥46,414,553 | ¥8,014,553 |
| 15 | 2.70% | ¥259,678 | ¥46,742,050 | ¥8,342,050 |
| 15 | 2.80% | ¥261,505 | ¥47,070,958 | ¥8,670,958 |
| 15 | 2.90% | ¥263,340 | ¥47,401,277 | ¥9,001,277 |
| 15 | 3.00% | ¥265,183 | ¥47,733,003 | ¥9,333,003 |
3840万円｜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% | ¥331,424 | ¥39,770,873 | ¥1,370,873 |
| 10 | 0.80% | ¥333,077 | ¥39,969,270 | ¥1,569,270 |
| 10 | 0.90% | ¥334,736 | ¥40,168,305 | ¥1,768,305 |
| 10 | 1.00% | ¥336,400 | ¥40,367,979 | ¥1,967,979 |
| 10 | 1.10% | ¥338,069 | ¥40,568,292 | ¥2,168,292 |
| 10 | 1.20% | ¥339,744 | ¥40,769,243 | ¥2,369,243 |
| 10 | 1.30% | ¥341,424 | ¥40,970,832 | ¥2,570,832 |
| 10 | 1.40% | ¥343,109 | ¥41,173,059 | ¥2,773,059 |
| 10 | 1.50% | ¥344,799 | ¥41,375,923 | ¥2,975,923 |
| 10 | 1.60% | ¥346,495 | ¥41,579,425 | ¥3,179,425 |
| 10 | 1.70% | ¥348,196 | ¥41,783,564 | ¥3,383,564 |
| 10 | 1.80% | ¥349,903 | ¥41,988,339 | ¥3,588,339 |
| 10 | 1.90% | ¥351,615 | ¥42,193,751 | ¥3,793,751 |
| 10 | 2.00% | ¥353,332 | ¥42,399,800 | ¥3,999,800 |
| 10 | 2.10% | ¥355,054 | ¥42,606,484 | ¥4,206,484 |
| 10 | 2.20% | ¥356,782 | ¥42,813,803 | ¥4,413,803 |
| 10 | 2.30% | ¥358,515 | ¥43,021,758 | ¥4,621,758 |
| 10 | 2.40% | ¥360,253 | ¥43,230,347 | ¥4,830,347 |
| 10 | 2.50% | ¥361,996 | ¥43,439,571 | ¥5,039,571 |
| 10 | 2.60% | ¥363,745 | ¥43,649,428 | ¥5,249,428 |
| 10 | 2.70% | ¥365,499 | ¥43,859,920 | ¥5,459,920 |
| 10 | 2.80% | ¥367,259 | ¥44,071,044 | ¥5,671,044 |
| 10 | 2.90% | ¥369,023 | ¥44,282,802 | ¥5,882,802 |
| 10 | 3.00% | ¥370,793 | ¥44,495,191 | ¥6,095,191 |
