3860万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。3860万円の住宅ローンが、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。
3860万円の住宅ローン｜期間・年数別
3860万円｜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% | ¥76,266 | ¥45,759,383 | ¥7,159,383 |
| 50 | 0.80% | ¥78,077 | ¥46,845,995 | ¥8,245,995 |
| 50 | 0.90% | ¥79,914 | ¥47,948,419 | ¥9,348,419 |
| 50 | 1.00% | ¥81,778 | ¥49,066,586 | ¥10,466,586 |
| 50 | 1.10% | ¥83,667 | ¥50,200,421 | ¥11,600,421 |
| 50 | 1.20% | ¥85,583 | ¥51,349,839 | ¥12,749,839 |
| 50 | 1.30% | ¥87,525 | ¥52,514,751 | ¥13,914,751 |
| 50 | 1.40% | ¥89,492 | ¥53,695,059 | ¥15,095,059 |
| 50 | 1.50% | ¥91,484 | ¥54,890,657 | ¥16,290,657 |
| 50 | 1.60% | ¥93,502 | ¥56,101,436 | ¥17,501,436 |
| 50 | 1.70% | ¥95,545 | ¥57,327,277 | ¥18,727,277 |
| 50 | 1.80% | ¥97,613 | ¥58,568,058 | ¥19,968,058 |
| 50 | 1.90% | ¥99,706 | ¥59,823,647 | ¥21,223,647 |
| 50 | 2.00% | ¥101,823 | ¥61,093,910 | ¥22,493,910 |
| 50 | 2.10% | ¥103,965 | ¥62,378,704 | ¥23,778,704 |
| 50 | 2.20% | ¥106,130 | ¥63,677,884 | ¥25,077,884 |
| 50 | 2.30% | ¥108,319 | ¥64,991,297 | ¥26,391,297 |
| 50 | 2.40% | ¥110,531 | ¥66,318,787 | ¥27,718,787 |
| 50 | 2.50% | ¥112,767 | ¥67,660,192 | ¥29,060,192 |
| 50 | 2.60% | ¥115,026 | ¥69,015,345 | ¥30,415,345 |
| 50 | 2.70% | ¥117,307 | ¥70,384,078 | ¥31,784,078 |
| 50 | 2.80% | ¥119,610 | ¥71,766,215 | ¥33,166,215 |
| 50 | 2.90% | ¥121,936 | ¥73,161,579 | ¥34,561,579 |
| 50 | 3.00% | ¥124,283 | ¥74,569,989 | ¥35,969,989 |
3860万円｜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% | ¥83,351 | ¥45,009,312 | ¥6,409,312 |
| 45 | 0.80% | ¥85,142 | ¥45,976,710 | ¥7,376,710 |
| 45 | 0.90% | ¥86,957 | ¥46,956,954 | ¥8,356,954 |
| 45 | 1.00% | ¥88,796 | ¥47,950,000 | ¥9,350,000 |
| 45 | 1.10% | ¥90,659 | ¥48,955,796 | ¥10,355,796 |
| 45 | 1.20% | ¥92,545 | ¥49,974,288 | ¥11,374,288 |
| 45 | 1.30% | ¥94,454 | ¥51,005,414 | ¥12,405,414 |
| 45 | 1.40% | ¥96,387 | ¥52,049,111 | ¥13,449,111 |
| 45 | 1.50% | ¥98,343 | ¥53,105,309 | ¥14,505,309 |
| 45 | 1.60% | ¥100,322 | ¥54,173,933 | ¥15,573,933 |
| 45 | 1.70% | ¥102,324 | ¥55,254,906 | ¥16,654,906 |
| 45 | 1.80% | ¥104,348 | ¥56,348,144 | ¥17,748,144 |
| 45 | 1.90% | ¥106,395 | ¥57,453,560 | ¥18,853,560 |
| 45 | 2.00% | ¥108,465 | ¥58,571,065 | ¥19,971,065 |
| 45 | 2.10% | ¥110,557 | ¥59,700,561 | ¥21,100,561 |
| 45 | 2.20% | ¥112,670 | ¥60,841,952 | ¥22,241,952 |
| 45 | 2.30% | ¥114,806 | ¥61,995,133 | ¥23,395,133 |
| 45 | 2.40% | ¥116,963 | ¥63,160,000 | ¥24,560,000 |
| 45 | 2.50% | ¥119,142 | ¥64,336,442 | ¥25,736,442 |
| 45 | 2.60% | ¥121,341 | ¥65,524,347 | ¥26,924,347 |
| 45 | 2.70% | ¥123,562 | ¥66,723,599 | ¥28,123,599 |
| 45 | 2.80% | ¥125,804 | ¥67,934,078 | ¥29,334,078 |
| 45 | 2.90% | ¥128,066 | ¥69,155,664 | ¥30,555,664 |
| 45 | 3.00% | ¥130,349 | ¥70,388,230 | ¥31,788,230 |
3860万円｜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% | ¥92,223 | ¥44,267,042 | ¥5,667,042 |
| 40 | 0.80% | ¥93,995 | ¥45,117,582 | ¥6,517,582 |
| 40 | 0.90% | ¥95,788 | ¥45,978,300 | ¥7,378,300 |
| 40 | 1.00% | ¥97,602 | ¥46,849,168 | ¥8,249,168 |
| 40 | 1.10% | ¥99,438 | ¥47,730,153 | ¥9,130,153 |
| 40 | 1.20% | ¥101,294 | ¥48,621,220 | ¥10,021,220 |
| 40 | 1.30% | ¥103,172 | ¥49,522,332 | ¥10,922,332 |
| 40 | 1.40% | ¥105,070 | ¥50,433,447 | ¥11,833,447 |
| 40 | 1.50% | ¥106,989 | ¥51,354,521 | ¥12,754,521 |
| 40 | 1.60% | ¥108,928 | ¥52,285,507 | ¥13,685,507 |
| 40 | 1.70% | ¥110,888 | ¥53,226,355 | ¥14,626,355 |
| 40 | 1.80% | ¥112,869 | ¥54,177,013 | ¥15,577,013 |
| 40 | 1.90% | ¥114,870 | ¥55,137,426 | ¥16,537,426 |
| 40 | 2.00% | ¥116,891 | ¥56,107,534 | ¥17,507,534 |
| 40 | 2.10% | ¥118,932 | ¥57,087,279 | ¥18,487,279 |
| 40 | 2.20% | ¥120,993 | ¥58,076,595 | ¥19,476,595 |
| 40 | 2.30% | ¥123,074 | ¥59,075,419 | ¥20,475,419 |
| 40 | 2.40% | ¥125,174 | ¥60,083,680 | ¥21,483,680 |
| 40 | 2.50% | ¥127,294 | ¥61,101,310 | ¥22,501,310 |
| 40 | 2.60% | ¥129,434 | ¥62,128,235 | ¥23,528,235 |
| 40 | 2.70% | ¥131,592 | ¥63,164,380 | ¥24,564,380 |
| 40 | 2.80% | ¥133,770 | ¥64,209,668 | ¥25,609,668 |
| 40 | 2.90% | ¥135,967 | ¥65,264,019 | ¥26,664,019 |
| 40 | 3.00% | ¥138,182 | ¥66,327,354 | ¥27,727,354 |
3860万円｜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% | ¥103,649 | ¥43,532,589 | ¥4,932,589 |
| 35 | 0.80% | ¥105,402 | ¥44,268,639 | ¥5,668,639 |
| 35 | 0.90% | ¥107,173 | ¥45,012,501 | ¥6,412,501 |
| 35 | 1.00% | ¥108,962 | ¥45,764,158 | ¥7,164,158 |
| 35 | 1.10% | ¥110,770 | ¥46,523,589 | ¥7,923,589 |
| 35 | 1.20% | ¥112,597 | ¥47,290,775 | ¥8,690,775 |
| 35 | 1.30% | ¥114,442 | ¥48,065,692 | ¥9,465,692 |
| 35 | 1.40% | ¥116,306 | ¥48,848,316 | ¥10,248,316 |
| 35 | 1.50% | ¥118,187 | ¥49,638,621 | ¥11,038,621 |
| 35 | 1.60% | ¥120,087 | ¥50,436,579 | ¥11,836,579 |
| 35 | 1.70% | ¥122,005 | ¥51,242,161 | ¥12,642,161 |
| 35 | 1.80% | ¥123,941 | ¥52,055,334 | ¥13,455,334 |
| 35 | 1.90% | ¥125,895 | ¥52,876,065 | ¥14,276,065 |
| 35 | 2.00% | ¥127,867 | ¥53,704,320 | ¥15,104,320 |
| 35 | 2.10% | ¥129,857 | ¥54,540,063 | ¥15,940,063 |
| 35 | 2.20% | ¥131,865 | ¥55,383,255 | ¥16,783,255 |
| 35 | 2.30% | ¥133,890 | ¥56,233,857 | ¥17,633,857 |
| 35 | 2.40% | ¥135,933 | ¥57,091,827 | ¥18,491,827 |
| 35 | 2.50% | ¥137,993 | ¥57,957,124 | ¥19,357,124 |
| 35 | 2.60% | ¥140,071 | ¥58,829,703 | ¥20,229,703 |
| 35 | 2.70% | ¥142,166 | ¥59,709,519 | ¥21,109,519 |
| 35 | 2.80% | ¥144,277 | ¥60,596,525 | ¥21,996,525 |
| 35 | 2.90% | ¥146,406 | ¥61,490,673 | ¥22,890,673 |
| 35 | 3.00% | ¥148,552 | ¥62,391,913 | ¥23,791,913 |
3860万円｜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% | ¥118,905 | ¥42,805,967 | ¥4,205,967 |
| 30 | 0.80% | ¥120,639 | ¥43,429,906 | ¥4,829,906 |
| 30 | 0.90% | ¥122,388 | ¥44,059,596 | ¥5,459,596 |
| 30 | 1.00% | ¥124,153 | ¥44,695,028 | ¥6,095,028 |
| 30 | 1.10% | ¥125,934 | ¥45,336,190 | ¥6,736,190 |
| 30 | 1.20% | ¥127,731 | ¥45,983,072 | ¥7,383,072 |
| 30 | 1.30% | ¥129,544 | ¥46,635,661 | ¥8,035,661 |
| 30 | 1.40% | ¥131,372 | ¥47,293,943 | ¥8,693,943 |
| 30 | 1.50% | ¥133,216 | ¥47,957,904 | ¥9,357,904 |
| 30 | 1.60% | ¥135,076 | ¥48,627,529 | ¥10,027,529 |
| 30 | 1.70% | ¥136,952 | ¥49,302,801 | ¥10,702,801 |
| 30 | 1.80% | ¥138,844 | ¥49,983,703 | ¥11,383,703 |
| 30 | 1.90% | ¥140,751 | ¥50,670,216 | ¥12,070,216 |
| 30 | 2.00% | ¥142,673 | ¥51,362,322 | ¥12,762,322 |
| 30 | 2.10% | ¥144,611 | ¥52,060,000 | ¥13,460,000 |
| 30 | 2.20% | ¥146,565 | ¥52,763,229 | ¥14,163,229 |
| 30 | 2.30% | ¥148,533 | ¥53,471,987 | ¥14,871,987 |
| 30 | 2.40% | ¥150,517 | ¥54,186,252 | ¥15,586,252 |
| 30 | 2.50% | ¥152,517 | ¥54,906,000 | ¥16,306,000 |
| 30 | 2.60% | ¥154,531 | ¥55,631,206 | ¥17,031,206 |
| 30 | 2.70% | ¥156,561 | ¥56,361,846 | ¥17,761,846 |
| 30 | 2.80% | ¥158,605 | ¥57,097,892 | ¥18,497,892 |
| 30 | 2.90% | ¥160,665 | ¥57,839,318 | ¥19,239,318 |
| 30 | 3.00% | ¥162,739 | ¥58,586,097 | ¥19,986,097 |
3860万円｜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% | ¥140,291 | ¥42,087,189 | ¥3,487,189 |
| 25 | 0.80% | ¥142,005 | ¥42,601,403 | ¥4,001,403 |
| 25 | 0.90% | ¥143,732 | ¥43,119,619 | ¥4,519,619 |
| 25 | 1.00% | ¥145,473 | ¥43,641,830 | ¥5,041,830 |
| 25 | 1.10% | ¥147,227 | ¥44,168,032 | ¥5,568,032 |
| 25 | 1.20% | ¥148,994 | ¥44,698,219 | ¥6,098,219 |
| 25 | 1.30% | ¥150,775 | ¥45,232,385 | ¥6,632,385 |
| 25 | 1.40% | ¥152,568 | ¥45,770,524 | ¥7,170,524 |
| 25 | 1.50% | ¥154,375 | ¥46,312,627 | ¥7,712,627 |
| 25 | 1.60% | ¥156,196 | ¥46,858,687 | ¥8,258,687 |
| 25 | 1.70% | ¥158,029 | ¥47,408,697 | ¥8,808,697 |
| 25 | 1.80% | ¥159,875 | ¥47,962,647 | ¥9,362,647 |
| 25 | 1.90% | ¥161,735 | ¥48,520,529 | ¥9,920,529 |
| 25 | 2.00% | ¥163,608 | ¥49,082,332 | ¥10,482,332 |
| 25 | 2.10% | ¥165,493 | ¥49,648,048 | ¥11,048,048 |
| 25 | 2.20% | ¥167,392 | ¥50,217,666 | ¥11,617,666 |
| 25 | 2.30% | ¥169,304 | ¥50,791,174 | ¥12,191,174 |
| 25 | 2.40% | ¥171,229 | ¥51,368,562 | ¥12,768,562 |
| 25 | 2.50% | ¥173,166 | ¥51,949,818 | ¥13,349,818 |
| 25 | 2.60% | ¥175,116 | ¥52,534,929 | ¥13,934,929 |
| 25 | 2.70% | ¥177,080 | ¥53,123,883 | ¥14,523,883 |
| 25 | 2.80% | ¥179,056 | ¥53,716,667 | ¥15,116,667 |
| 25 | 2.90% | ¥181,044 | ¥54,313,267 | ¥15,713,267 |
| 25 | 3.00% | ¥183,046 | ¥54,913,670 | ¥16,313,670 |
3860万円｜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% | ¥172,401 | ¥41,376,265 | ¥2,776,265 |
| 20 | 0.80% | ¥174,096 | ¥41,783,149 | ¥3,183,149 |
| 20 | 0.90% | ¥175,802 | ¥42,192,598 | ¥3,592,598 |
| 20 | 1.00% | ¥177,519 | ¥42,604,609 | ¥4,004,609 |
| 20 | 1.10% | ¥179,247 | ¥43,019,179 | ¥4,419,179 |
| 20 | 1.20% | ¥180,985 | ¥43,436,307 | ¥4,836,307 |
| 20 | 1.30% | ¥182,733 | ¥43,855,989 | ¥5,255,989 |
| 20 | 1.40% | ¥184,493 | ¥44,278,224 | ¥5,678,224 |
| 20 | 1.50% | ¥186,263 | ¥44,703,007 | ¥6,103,007 |
| 20 | 1.60% | ¥188,043 | ¥45,130,335 | ¥6,530,335 |
| 20 | 1.70% | ¥189,834 | ¥45,560,206 | ¥6,960,206 |
| 20 | 1.80% | ¥191,636 | ¥45,992,615 | ¥7,392,615 |
| 20 | 1.90% | ¥193,448 | ¥46,427,558 | ¥7,827,558 |
| 20 | 2.00% | ¥195,271 | ¥46,865,032 | ¥8,265,032 |
| 20 | 2.10% | ¥197,104 | ¥47,305,032 | ¥8,705,032 |
| 20 | 2.20% | ¥198,948 | ¥47,747,554 | ¥9,147,554 |
| 20 | 2.30% | ¥200,802 | ¥48,192,594 | ¥9,592,594 |
| 20 | 2.40% | ¥202,667 | ¥48,640,145 | ¥10,040,145 |
| 20 | 2.50% | ¥204,543 | ¥49,090,204 | ¥10,490,204 |
| 20 | 2.60% | ¥206,428 | ¥49,542,765 | ¥10,942,765 |
| 20 | 2.70% | ¥208,324 | ¥49,997,823 | ¥11,397,823 |
| 20 | 2.80% | ¥210,231 | ¥50,455,372 | ¥11,855,372 |
| 20 | 2.90% | ¥212,148 | ¥50,915,407 | ¥12,315,407 |
| 20 | 3.00% | ¥214,075 | ¥51,377,921 | ¥12,777,921 |
3860万円｜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% | ¥225,962 | ¥40,673,204 | ¥2,073,204 |
| 15 | 0.80% | ¥227,640 | ¥40,975,159 | ¥2,375,159 |
| 15 | 0.90% | ¥229,325 | ¥41,278,557 | ¥2,678,557 |
| 15 | 1.00% | ¥231,019 | ¥41,583,399 | ¥2,983,399 |
| 15 | 1.10% | ¥232,720 | ¥41,889,683 | ¥3,289,683 |
| 15 | 1.20% | ¥234,430 | ¥42,197,409 | ¥3,597,409 |
| 15 | 1.30% | ¥236,148 | ¥42,506,575 | ¥3,906,575 |
| 15 | 1.40% | ¥237,873 | ¥42,817,181 | ¥4,217,181 |
| 15 | 1.50% | ¥239,607 | ¥43,129,225 | ¥4,529,225 |
| 15 | 1.60% | ¥241,348 | ¥43,442,707 | ¥4,842,707 |
| 15 | 1.70% | ¥243,098 | ¥43,757,625 | ¥5,157,625 |
| 15 | 1.80% | ¥244,855 | ¥44,073,978 | ¥5,473,978 |
| 15 | 1.90% | ¥246,621 | ¥44,391,765 | ¥5,791,765 |
| 15 | 2.00% | ¥248,394 | ¥44,710,985 | ¥6,110,985 |
| 15 | 2.10% | ¥250,176 | ¥45,031,635 | ¥6,431,635 |
| 15 | 2.20% | ¥251,965 | ¥45,353,714 | ¥6,753,714 |
| 15 | 2.30% | ¥253,762 | ¥45,677,222 | ¥7,077,222 |
| 15 | 2.40% | ¥255,568 | ¥46,002,156 | ¥7,402,156 |
| 15 | 2.50% | ¥257,381 | ¥46,328,514 | ¥7,728,514 |
| 15 | 2.60% | ¥259,202 | ¥46,656,296 | ¥8,056,296 |
| 15 | 2.70% | ¥261,031 | ¥46,985,498 | ¥8,385,498 |
| 15 | 2.80% | ¥262,867 | ¥47,316,119 | ¥8,716,119 |
| 15 | 2.90% | ¥264,712 | ¥47,648,158 | ¥9,048,158 |
| 15 | 3.00% | ¥266,565 | ¥47,981,612 | ¥9,381,612 |
3860万円｜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% | ¥333,150 | ¥39,978,013 | ¥1,378,013 |
| 10 | 0.80% | ¥334,812 | ¥40,177,443 | ¥1,577,443 |
| 10 | 0.90% | ¥336,479 | ¥40,377,515 | ¥1,777,515 |
| 10 | 1.00% | ¥338,152 | ¥40,578,229 | ¥1,978,229 |
| 10 | 1.10% | ¥339,830 | ¥40,779,585 | ¥2,179,585 |
| 10 | 1.20% | ¥341,513 | ¥40,981,583 | ¥2,381,583 |
| 10 | 1.30% | ¥343,202 | ¥41,184,222 | ¥2,584,222 |
| 10 | 1.40% | ¥344,896 | ¥41,387,502 | ¥2,787,502 |
| 10 | 1.50% | ¥346,595 | ¥41,591,423 | ¥2,991,423 |
| 10 | 1.60% | ¥348,300 | ¥41,795,984 | ¥3,195,984 |
| 10 | 1.70% | ¥350,010 | ¥42,001,186 | ¥3,401,186 |
| 10 | 1.80% | ¥351,725 | ¥42,207,029 | ¥3,607,029 |
| 10 | 1.90% | ¥353,446 | ¥42,413,510 | ¥3,813,510 |
| 10 | 2.00% | ¥355,172 | ¥42,620,632 | ¥4,020,632 |
| 10 | 2.10% | ¥356,903 | ¥42,828,392 | ¥4,228,392 |
| 10 | 2.20% | ¥358,640 | ¥43,036,792 | ¥4,436,792 |
| 10 | 2.30% | ¥360,382 | ¥43,245,829 | ¥4,645,829 |
| 10 | 2.40% | ¥362,129 | ¥43,455,505 | ¥4,855,505 |
| 10 | 2.50% | ¥363,882 | ¥43,665,818 | ¥5,065,818 |
| 10 | 2.60% | ¥365,640 | ¥43,876,769 | ¥5,276,769 |
| 10 | 2.70% | ¥367,403 | ¥44,088,357 | ¥5,488,357 |
| 10 | 2.80% | ¥369,172 | ¥44,300,581 | ¥5,700,581 |
| 10 | 2.90% | ¥370,945 | ¥44,513,441 | ¥5,913,441 |
| 10 | 3.00% | ¥372,724 | ¥44,726,937 | ¥6,126,937 |
