3850万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。3850万円の住宅ローンが、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。
3850万円の住宅ローン｜期間・年数別
3850万円｜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% | ¥76,068 | ¥45,640,835 | ¥7,140,835 |
| 50 | 0.80% | ¥77,874 | ¥46,724,632 | ¥8,224,632 |
| 50 | 0.90% | ¥79,707 | ¥47,824,200 | ¥9,324,200 |
| 50 | 1.00% | ¥81,566 | ¥48,939,471 | ¥10,439,471 |
| 50 | 1.10% | ¥83,451 | ¥50,070,368 | ¥11,570,368 |
| 50 | 1.20% | ¥85,361 | ¥51,216,809 | ¥12,716,809 |
| 50 | 1.30% | ¥87,298 | ¥52,378,703 | ¥13,878,703 |
| 50 | 1.40% | ¥89,260 | ¥53,555,952 | ¥15,055,952 |
| 50 | 1.50% | ¥91,247 | ¥54,748,453 | ¥16,248,453 |
| 50 | 1.60% | ¥93,260 | ¥55,956,096 | ¥17,456,096 |
| 50 | 1.70% | ¥95,298 | ¥57,178,761 | ¥18,678,761 |
| 50 | 1.80% | ¥97,361 | ¥58,416,327 | ¥19,916,327 |
| 50 | 1.90% | ¥99,448 | ¥59,668,664 | ¥21,168,664 |
| 50 | 2.00% | ¥101,559 | ¥60,935,635 | ¥22,435,635 |
| 50 | 2.10% | ¥103,695 | ¥62,217,101 | ¥23,717,101 |
| 50 | 2.20% | ¥105,855 | ¥63,512,916 | ¥25,012,916 |
| 50 | 2.30% | ¥108,038 | ¥64,822,926 | ¥26,322,926 |
| 50 | 2.40% | ¥110,245 | ¥66,146,977 | ¥27,646,977 |
| 50 | 2.50% | ¥112,475 | ¥67,484,906 | ¥28,984,906 |
| 50 | 2.60% | ¥114,728 | ¥68,836,549 | ¥30,336,549 |
| 50 | 2.70% | ¥117,003 | ¥70,201,736 | ¥31,701,736 |
| 50 | 2.80% | ¥119,300 | ¥71,580,292 | ¥33,080,292 |
| 50 | 2.90% | ¥121,620 | ¥72,972,041 | ¥34,472,041 |
| 50 | 3.00% | ¥123,961 | ¥74,376,802 | ¥35,876,802 |
3850万円｜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% | ¥83,135 | ¥44,892,707 | ¥6,392,707 |
| 45 | 0.80% | ¥84,921 | ¥45,857,599 | ¥7,357,599 |
| 45 | 0.90% | ¥86,732 | ¥46,835,304 | ¥8,335,304 |
| 45 | 1.00% | ¥88,566 | ¥47,825,777 | ¥9,325,777 |
| 45 | 1.10% | ¥90,424 | ¥48,828,968 | ¥10,328,968 |
| 45 | 1.20% | ¥92,305 | ¥49,844,821 | ¥11,344,821 |
| 45 | 1.30% | ¥94,210 | ¥50,873,276 | ¥12,373,276 |
| 45 | 1.40% | ¥96,138 | ¥51,914,269 | ¥13,414,269 |
| 45 | 1.50% | ¥98,088 | ¥52,967,730 | ¥14,467,730 |
| 45 | 1.60% | ¥100,062 | ¥54,033,586 | ¥15,533,586 |
| 45 | 1.70% | ¥102,059 | ¥55,111,758 | ¥16,611,758 |
| 45 | 1.80% | ¥104,078 | ¥56,202,164 | ¥17,702,164 |
| 45 | 1.90% | ¥106,120 | ¥57,304,717 | ¥18,804,717 |
| 45 | 2.00% | ¥108,184 | ¥58,419,326 | ¥19,919,326 |
| 45 | 2.10% | ¥110,270 | ¥59,545,897 | ¥21,045,897 |
| 45 | 2.20% | ¥112,378 | ¥60,684,330 | ¥22,184,330 |
| 45 | 2.30% | ¥114,508 | ¥61,834,524 | ¥23,334,524 |
| 45 | 2.40% | ¥116,660 | ¥62,996,373 | ¥24,496,373 |
| 45 | 2.50% | ¥118,833 | ¥64,169,767 | ¥25,669,767 |
| 45 | 2.60% | ¥121,027 | ¥65,354,595 | ¥26,854,595 |
| 45 | 2.70% | ¥123,242 | ¥66,550,740 | ¥28,050,740 |
| 45 | 2.80% | ¥125,478 | ¥67,758,083 | ¥29,258,083 |
| 45 | 2.90% | ¥127,734 | ¥68,976,504 | ¥30,476,504 |
| 45 | 3.00% | ¥130,011 | ¥70,205,878 | ¥31,705,878 |
3850万円｜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% | ¥91,984 | ¥44,152,360 | ¥5,652,360 |
| 40 | 0.80% | ¥93,751 | ¥45,000,697 | ¥6,500,697 |
| 40 | 0.90% | ¥95,540 | ¥45,859,185 | ¥7,359,185 |
| 40 | 1.00% | ¥97,350 | ¥46,727,797 | ¥8,227,797 |
| 40 | 1.10% | ¥99,180 | ¥47,606,500 | ¥9,106,500 |
| 40 | 1.20% | ¥101,032 | ¥48,495,259 | ¥9,995,259 |
| 40 | 1.30% | ¥102,904 | ¥49,394,036 | ¥10,894,036 |
| 40 | 1.40% | ¥104,797 | ¥50,302,790 | ¥11,802,790 |
| 40 | 1.50% | ¥106,711 | ¥51,221,478 | ¥12,721,478 |
| 40 | 1.60% | ¥108,646 | ¥52,150,052 | ¥13,650,052 |
| 40 | 1.70% | ¥110,601 | ¥53,088,463 | ¥14,588,463 |
| 40 | 1.80% | ¥112,576 | ¥54,036,658 | ¥15,536,658 |
| 40 | 1.90% | ¥114,572 | ¥54,994,583 | ¥16,494,583 |
| 40 | 2.00% | ¥116,588 | ¥55,962,178 | ¥17,462,178 |
| 40 | 2.10% | ¥118,624 | ¥56,939,384 | ¥18,439,384 |
| 40 | 2.20% | ¥120,679 | ¥57,926,138 | ¥19,426,138 |
| 40 | 2.30% | ¥122,755 | ¥58,922,373 | ¥20,422,373 |
| 40 | 2.40% | ¥124,850 | ¥59,928,023 | ¥21,428,023 |
| 40 | 2.50% | ¥126,965 | ¥60,943,016 | ¥22,443,016 |
| 40 | 2.60% | ¥129,099 | ¥61,967,281 | ¥23,467,281 |
| 40 | 2.70% | ¥131,252 | ¥63,000,741 | ¥24,500,741 |
| 40 | 2.80% | ¥133,424 | ¥64,043,321 | ¥25,543,321 |
| 40 | 2.90% | ¥135,614 | ¥65,094,942 | ¥26,594,942 |
| 40 | 3.00% | ¥137,824 | ¥66,155,521 | ¥27,655,521 |
3850万円｜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% | ¥103,380 | ¥43,419,810 | ¥4,919,810 |
| 35 | 0.80% | ¥105,128 | ¥44,153,954 | ¥5,653,954 |
| 35 | 0.90% | ¥106,895 | ¥44,895,889 | ¥6,395,889 |
| 35 | 1.00% | ¥108,680 | ¥45,645,598 | ¥7,145,598 |
| 35 | 1.10% | ¥110,483 | ¥46,403,061 | ¥7,903,061 |
| 35 | 1.20% | ¥112,305 | ¥47,168,260 | ¥8,668,260 |
| 35 | 1.30% | ¥114,146 | ¥47,941,169 | ¥9,441,169 |
| 35 | 1.40% | ¥116,004 | ¥48,721,766 | ¥10,221,766 |
| 35 | 1.50% | ¥117,881 | ¥49,510,024 | ¥11,010,024 |
| 35 | 1.60% | ¥119,776 | ¥50,305,915 | ¥11,805,915 |
| 35 | 1.70% | ¥121,689 | ¥51,109,409 | ¥12,609,409 |
| 35 | 1.80% | ¥123,620 | ¥51,920,475 | ¥13,420,475 |
| 35 | 1.90% | ¥125,569 | ¥52,739,080 | ¥14,239,080 |
| 35 | 2.00% | ¥127,536 | ¥53,565,190 | ¥15,065,190 |
| 35 | 2.10% | ¥129,521 | ¥54,398,767 | ¥15,898,767 |
| 35 | 2.20% | ¥131,523 | ¥55,239,775 | ¥16,739,775 |
| 35 | 2.30% | ¥133,543 | ¥56,088,173 | ¥17,588,173 |
| 35 | 2.40% | ¥135,581 | ¥56,943,921 | ¥18,443,921 |
| 35 | 2.50% | ¥137,636 | ¥57,806,976 | ¥19,306,976 |
| 35 | 2.60% | ¥139,708 | ¥58,677,295 | ¥20,177,295 |
| 35 | 2.70% | ¥141,797 | ¥59,554,831 | ¥21,054,831 |
| 35 | 2.80% | ¥143,904 | ¥60,439,539 | ¥21,939,539 |
| 35 | 2.90% | ¥146,027 | ¥61,331,371 | ¥22,831,371 |
| 35 | 3.00% | ¥148,167 | ¥62,230,276 | ¥23,730,276 |
3850万円｜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% | ¥118,597 | ¥42,695,071 | ¥4,195,071 |
| 30 | 0.80% | ¥120,326 | ¥43,317,393 | ¥4,817,393 |
| 30 | 0.90% | ¥122,071 | ¥43,945,452 | ¥5,445,452 |
| 30 | 1.00% | ¥123,831 | ¥44,579,238 | ¥6,079,238 |
| 30 | 1.10% | ¥125,608 | ¥45,218,739 | ¥6,718,739 |
| 30 | 1.20% | ¥127,400 | ¥45,863,945 | ¥7,363,945 |
| 30 | 1.30% | ¥129,208 | ¥46,514,843 | ¥8,014,843 |
| 30 | 1.40% | ¥131,032 | ¥47,171,420 | ¥8,671,420 |
| 30 | 1.50% | ¥132,871 | ¥47,833,661 | ¥9,333,661 |
| 30 | 1.60% | ¥134,727 | ¥48,501,551 | ¥10,001,551 |
| 30 | 1.70% | ¥136,597 | ¥49,175,074 | ¥10,675,074 |
| 30 | 1.80% | ¥138,484 | ¥49,854,211 | ¥11,354,211 |
| 30 | 1.90% | ¥140,386 | ¥50,538,946 | ¥12,038,946 |
| 30 | 2.00% | ¥142,303 | ¥51,229,259 | ¥12,729,259 |
| 30 | 2.10% | ¥144,236 | ¥51,925,129 | ¥13,425,129 |
| 30 | 2.20% | ¥146,185 | ¥52,626,537 | ¥14,126,537 |
| 30 | 2.30% | ¥148,148 | ¥53,333,459 | ¥14,833,459 |
| 30 | 2.40% | ¥150,127 | ¥54,045,873 | ¥15,545,873 |
| 30 | 2.50% | ¥152,122 | ¥54,763,757 | ¥16,263,757 |
| 30 | 2.60% | ¥154,131 | ¥55,487,084 | ¥16,987,084 |
| 30 | 2.70% | ¥156,155 | ¥56,215,830 | ¥17,715,830 |
| 30 | 2.80% | ¥158,194 | ¥56,949,970 | ¥18,449,970 |
| 30 | 2.90% | ¥160,249 | ¥57,689,475 | ¥19,189,475 |
| 30 | 3.00% | ¥162,318 | ¥58,434,319 | ¥19,934,319 |
3850万円｜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% | ¥139,927 | ¥41,978,155 | ¥3,478,155 |
| 25 | 0.80% | ¥141,637 | ¥42,491,037 | ¥3,991,037 |
| 25 | 0.90% | ¥143,360 | ¥43,007,910 | ¥4,507,910 |
| 25 | 1.00% | ¥145,096 | ¥43,528,768 | ¥5,028,768 |
| 25 | 1.10% | ¥146,845 | ¥44,053,607 | ¥5,553,607 |
| 25 | 1.20% | ¥148,608 | ¥44,582,421 | ¥6,082,421 |
| 25 | 1.30% | ¥150,384 | ¥45,115,203 | ¥6,615,203 |
| 25 | 1.40% | ¥152,173 | ¥45,651,947 | ¥7,151,947 |
| 25 | 1.50% | ¥153,975 | ¥46,192,646 | ¥7,692,646 |
| 25 | 1.60% | ¥155,791 | ¥46,737,291 | ¥8,237,291 |
| 25 | 1.70% | ¥157,620 | ¥47,285,876 | ¥8,785,876 |
| 25 | 1.80% | ¥159,461 | ¥47,838,391 | ¥9,338,391 |
| 25 | 1.90% | ¥161,316 | ¥48,394,828 | ¥9,894,828 |
| 25 | 2.00% | ¥163,184 | ¥48,955,176 | ¥10,455,176 |
| 25 | 2.10% | ¥165,065 | ¥49,519,426 | ¥11,019,426 |
| 25 | 2.20% | ¥166,959 | ¥50,087,568 | ¥11,587,568 |
| 25 | 2.30% | ¥168,865 | ¥50,659,591 | ¥12,159,591 |
| 25 | 2.40% | ¥170,785 | ¥51,235,483 | ¥12,735,483 |
| 25 | 2.50% | ¥172,717 | ¥51,815,233 | ¥13,315,233 |
| 25 | 2.60% | ¥174,663 | ¥52,398,828 | ¥13,898,828 |
| 25 | 2.70% | ¥176,621 | ¥52,986,256 | ¥14,486,256 |
| 25 | 2.80% | ¥178,592 | ¥53,577,505 | ¥15,077,505 |
| 25 | 2.90% | ¥180,575 | ¥54,172,559 | ¥15,672,559 |
| 25 | 3.00% | ¥182,571 | ¥54,771,407 | ¥16,271,407 |
3850万円｜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% | ¥171,954 | ¥41,269,073 | ¥2,769,073 |
| 20 | 0.80% | ¥173,645 | ¥41,674,903 | ¥3,174,903 |
| 20 | 0.90% | ¥175,347 | ¥42,083,291 | ¥3,583,291 |
| 20 | 1.00% | ¥177,059 | ¥42,494,234 | ¥3,994,234 |
| 20 | 1.10% | ¥178,782 | ¥42,907,730 | ¥4,407,730 |
| 20 | 1.20% | ¥180,516 | ¥43,323,778 | ¥4,823,778 |
| 20 | 1.30% | ¥182,260 | ¥43,742,373 | ¥5,242,373 |
| 20 | 1.40% | ¥184,015 | ¥44,163,513 | ¥5,663,513 |
| 20 | 1.50% | ¥185,780 | ¥44,587,196 | ¥6,087,196 |
| 20 | 1.60% | ¥187,556 | ¥45,013,417 | ¥6,513,417 |
| 20 | 1.70% | ¥189,342 | ¥45,442,174 | ¥6,942,174 |
| 20 | 1.80% | ¥191,139 | ¥45,873,463 | ¥7,373,463 |
| 20 | 1.90% | ¥192,947 | ¥46,307,280 | ¥7,807,280 |
| 20 | 2.00% | ¥194,765 | ¥46,743,620 | ¥8,243,620 |
| 20 | 2.10% | ¥196,594 | ¥47,182,480 | ¥8,682,480 |
| 20 | 2.20% | ¥198,433 | ¥47,623,856 | ¥9,123,856 |
| 20 | 2.30% | ¥200,282 | ¥48,067,742 | ¥9,567,742 |
| 20 | 2.40% | ¥202,142 | ¥48,514,134 | ¥10,014,134 |
| 20 | 2.50% | ¥204,013 | ¥48,963,027 | ¥10,463,027 |
| 20 | 2.60% | ¥205,893 | ¥49,414,416 | ¥10,914,416 |
| 20 | 2.70% | ¥207,785 | ¥49,868,295 | ¥11,368,295 |
| 20 | 2.80% | ¥209,686 | ¥50,324,659 | ¥11,824,659 |
| 20 | 2.90% | ¥211,598 | ¥50,783,502 | ¥12,283,502 |
| 20 | 3.00% | ¥213,520 | ¥51,244,818 | ¥12,744,818 |
3850万円｜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% | ¥225,377 | ¥40,567,833 | ¥2,067,833 |
| 15 | 0.80% | ¥227,050 | ¥40,869,005 | ¥2,369,005 |
| 15 | 0.90% | ¥228,731 | ¥41,171,618 | ¥2,671,618 |
| 15 | 1.00% | ¥230,420 | ¥41,475,670 | ¥2,975,670 |
| 15 | 1.10% | ¥232,118 | ¥41,781,160 | ¥3,281,160 |
| 15 | 1.20% | ¥233,823 | ¥42,088,089 | ¥3,588,089 |
| 15 | 1.30% | ¥235,536 | ¥42,396,454 | ¥3,896,454 |
| 15 | 1.40% | ¥237,257 | ¥42,706,255 | ¥4,206,255 |
| 15 | 1.50% | ¥238,986 | ¥43,017,491 | ¥4,517,491 |
| 15 | 1.60% | ¥240,723 | ¥43,330,161 | ¥4,830,161 |
| 15 | 1.70% | ¥242,468 | ¥43,644,263 | ¥5,144,263 |
| 15 | 1.80% | ¥244,221 | ¥43,959,797 | ¥5,459,797 |
| 15 | 1.90% | ¥245,982 | ¥44,276,761 | ¥5,776,761 |
| 15 | 2.00% | ¥247,751 | ¥44,595,153 | ¥6,095,153 |
| 15 | 2.10% | ¥249,528 | ¥44,914,972 | ¥6,414,972 |
| 15 | 2.20% | ¥251,312 | ¥45,236,218 | ¥6,736,218 |
| 15 | 2.30% | ¥253,105 | ¥45,558,887 | ¥7,058,887 |
| 15 | 2.40% | ¥254,905 | ¥45,882,979 | ¥7,382,979 |
| 15 | 2.50% | ¥256,714 | ¥46,208,492 | ¥7,708,492 |
| 15 | 2.60% | ¥258,530 | ¥46,535,424 | ¥8,035,424 |
| 15 | 2.70% | ¥260,354 | ¥46,863,774 | ¥8,363,774 |
| 15 | 2.80% | ¥262,186 | ¥47,193,539 | ¥8,693,539 |
| 15 | 2.90% | ¥264,026 | ¥47,524,717 | ¥9,024,717 |
| 15 | 3.00% | ¥265,874 | ¥47,857,308 | ¥9,357,308 |
3850万円｜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% | ¥332,287 | ¥39,874,443 | ¥1,374,443 |
| 10 | 0.80% | ¥333,945 | ¥40,073,356 | ¥1,573,356 |
| 10 | 0.90% | ¥335,608 | ¥40,272,910 | ¥1,772,910 |
| 10 | 1.00% | ¥337,276 | ¥40,473,104 | ¥1,973,104 |
| 10 | 1.10% | ¥338,949 | ¥40,673,938 | ¥2,173,938 |
| 10 | 1.20% | ¥340,628 | ¥40,875,413 | ¥2,375,413 |
| 10 | 1.30% | ¥342,313 | ¥41,077,527 | ¥2,577,527 |
| 10 | 1.40% | ¥344,002 | ¥41,280,280 | ¥2,780,280 |
| 10 | 1.50% | ¥345,697 | ¥41,483,673 | ¥2,983,673 |
| 10 | 1.60% | ¥347,398 | ¥41,687,705 | ¥3,187,705 |
| 10 | 1.70% | ¥349,103 | ¥41,892,375 | ¥3,392,375 |
| 10 | 1.80% | ¥350,814 | ¥42,097,684 | ¥3,597,684 |
| 10 | 1.90% | ¥352,530 | ¥42,303,631 | ¥3,803,631 |
| 10 | 2.00% | ¥354,252 | ¥42,510,216 | ¥4,010,216 |
| 10 | 2.10% | ¥355,979 | ¥42,717,438 | ¥4,217,438 |
| 10 | 2.20% | ¥357,711 | ¥42,925,297 | ¥4,425,297 |
| 10 | 2.30% | ¥359,448 | ¥43,133,793 | ¥4,633,793 |
| 10 | 2.40% | ¥361,191 | ¥43,342,926 | ¥4,842,926 |
| 10 | 2.50% | ¥362,939 | ¥43,552,695 | ¥5,052,695 |
| 10 | 2.60% | ¥364,692 | ¥43,763,099 | ¥5,263,099 |
| 10 | 2.70% | ¥366,451 | ¥43,974,138 | ¥5,474,138 |
| 10 | 2.80% | ¥368,215 | ¥44,185,813 | ¥5,685,813 |
| 10 | 2.90% | ¥369,984 | ¥44,398,121 | ¥5,898,121 |
| 10 | 3.00% | ¥371,759 | ¥44,611,064 | ¥6,111,064 |
