3900万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。3900万円の住宅ローンが、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。
3900万円の住宅ローン｜期間・年数別
3900万円｜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% |
¥77,056 |
¥46,233,573 |
¥7,233,573 |
| 50 |
0.80% |
¥78,886 |
¥47,331,445 |
¥8,331,445 |
| 50 |
0.90% |
¥80,742 |
¥48,445,293 |
¥9,445,293 |
| 50 |
1.00% |
¥82,625 |
¥49,575,048 |
¥10,575,048 |
| 50 |
1.10% |
¥84,534 |
¥50,720,633 |
¥11,720,633 |
| 50 |
1.20% |
¥86,470 |
¥51,881,962 |
¥12,881,962 |
| 50 |
1.30% |
¥88,432 |
¥53,058,946 |
¥14,058,946 |
| 50 |
1.40% |
¥90,419 |
¥54,251,484 |
¥15,251,484 |
| 50 |
1.50% |
¥92,432 |
¥55,459,472 |
¥16,459,472 |
| 50 |
1.60% |
¥94,471 |
¥56,682,798 |
¥17,682,798 |
| 50 |
1.70% |
¥96,536 |
¥57,921,343 |
¥18,921,343 |
| 50 |
1.80% |
¥98,625 |
¥59,174,981 |
¥20,174,981 |
| 50 |
1.90% |
¥100,739 |
¥60,443,581 |
¥21,443,581 |
| 50 |
2.00% |
¥102,878 |
¥61,727,007 |
¥22,727,007 |
| 50 |
2.10% |
¥105,042 |
¥63,025,116 |
¥24,025,116 |
| 50 |
2.20% |
¥107,230 |
¥64,337,759 |
¥25,337,759 |
| 50 |
2.30% |
¥109,441 |
¥65,664,782 |
¥26,664,782 |
| 50 |
2.40% |
¥111,677 |
¥67,006,028 |
¥28,006,028 |
| 50 |
2.50% |
¥113,936 |
¥68,361,334 |
¥29,361,334 |
| 50 |
2.60% |
¥116,218 |
¥69,730,530 |
¥30,730,530 |
| 50 |
2.70% |
¥118,522 |
¥71,113,447 |
¥32,113,447 |
| 50 |
2.80% |
¥120,850 |
¥72,509,906 |
¥33,509,906 |
| 50 |
2.90% |
¥123,200 |
¥73,919,730 |
¥34,919,730 |
| 50 |
3.00% |
¥125,571 |
¥75,342,735 |
¥36,342,735 |
3900万円｜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% |
¥84,214 |
¥45,475,730 |
¥6,475,730 |
| 45 |
0.80% |
¥86,024 |
¥46,453,152 |
¥7,453,152 |
| 45 |
0.90% |
¥87,858 |
¥47,443,555 |
¥8,443,555 |
| 45 |
1.00% |
¥89,716 |
¥48,446,891 |
¥9,446,891 |
| 45 |
1.10% |
¥91,598 |
¥49,463,110 |
¥10,463,110 |
| 45 |
1.20% |
¥93,504 |
¥50,492,156 |
¥11,492,156 |
| 45 |
1.30% |
¥95,433 |
¥51,533,968 |
¥12,533,968 |
| 45 |
1.40% |
¥97,386 |
¥52,588,480 |
¥13,588,480 |
| 45 |
1.50% |
¥99,362 |
¥53,655,623 |
¥14,655,623 |
| 45 |
1.60% |
¥101,362 |
¥54,735,321 |
¥15,735,321 |
| 45 |
1.70% |
¥103,384 |
¥55,827,496 |
¥16,827,496 |
| 45 |
1.80% |
¥105,430 |
¥56,932,062 |
¥17,932,062 |
| 45 |
1.90% |
¥107,498 |
¥58,048,934 |
¥19,048,934 |
| 45 |
2.00% |
¥109,589 |
¥59,178,019 |
¥20,178,019 |
| 45 |
2.10% |
¥111,702 |
¥60,319,220 |
¥21,319,220 |
| 45 |
2.20% |
¥113,838 |
¥61,472,438 |
¥22,472,438 |
| 45 |
2.30% |
¥115,995 |
¥62,637,570 |
¥23,637,570 |
| 45 |
2.40% |
¥118,175 |
¥63,814,507 |
¥24,814,507 |
| 45 |
2.50% |
¥120,376 |
¥65,003,141 |
¥26,003,141 |
| 45 |
2.60% |
¥122,599 |
¥66,203,356 |
¥27,203,356 |
| 45 |
2.70% |
¥124,843 |
¥67,415,035 |
¥28,415,035 |
| 45 |
2.80% |
¥127,108 |
¥68,638,058 |
¥29,638,058 |
| 45 |
2.90% |
¥129,393 |
¥69,872,303 |
¥30,872,303 |
| 45 |
3.00% |
¥131,699 |
¥71,117,642 |
¥32,117,642 |
3900万円｜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% |
¥93,179 |
¥44,725,768 |
¥5,725,768 |
| 40 |
0.80% |
¥94,969 |
¥45,585,122 |
¥6,585,122 |
| 40 |
0.90% |
¥96,781 |
¥46,454,759 |
¥7,454,759 |
| 40 |
1.00% |
¥98,614 |
¥47,334,652 |
¥8,334,652 |
| 40 |
1.10% |
¥100,468 |
¥48,224,766 |
¥9,224,766 |
| 40 |
1.20% |
¥102,344 |
¥49,125,067 |
¥10,125,067 |
| 40 |
1.30% |
¥104,241 |
¥50,035,517 |
¥11,035,517 |
| 40 |
1.40% |
¥106,158 |
¥50,956,073 |
¥11,956,073 |
| 40 |
1.50% |
¥108,097 |
¥51,886,692 |
¥12,886,692 |
| 40 |
1.60% |
¥110,057 |
¥52,827,325 |
¥13,827,325 |
| 40 |
1.70% |
¥112,037 |
¥53,777,924 |
¥14,777,924 |
| 40 |
1.80% |
¥114,038 |
¥54,738,433 |
¥15,738,433 |
| 40 |
1.90% |
¥116,060 |
¥55,708,798 |
¥16,708,798 |
| 40 |
2.00% |
¥118,102 |
¥56,688,960 |
¥17,688,960 |
| 40 |
2.10% |
¥120,164 |
¥57,678,857 |
¥18,678,857 |
| 40 |
2.20% |
¥122,247 |
¥58,678,425 |
¥19,678,425 |
| 40 |
2.30% |
¥124,349 |
¥59,687,599 |
¥20,687,599 |
| 40 |
2.40% |
¥126,471 |
¥60,706,309 |
¥21,706,309 |
| 40 |
2.50% |
¥128,614 |
¥61,734,484 |
¥22,734,484 |
| 40 |
2.60% |
¥130,775 |
¥62,772,051 |
¥23,772,051 |
| 40 |
2.70% |
¥132,956 |
¥63,818,933 |
¥24,818,933 |
| 40 |
2.80% |
¥135,156 |
¥64,875,053 |
¥25,875,053 |
| 40 |
2.90% |
¥137,376 |
¥65,940,330 |
¥26,940,330 |
| 40 |
3.00% |
¥139,614 |
¥67,014,684 |
¥28,014,684 |
3900万円｜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% |
¥104,723 |
¥43,983,704 |
¥4,983,704 |
| 35 |
0.80% |
¥106,494 |
¥44,727,382 |
¥5,727,382 |
| 35 |
0.90% |
¥108,283 |
¥45,478,952 |
¥6,478,952 |
| 35 |
1.00% |
¥110,091 |
¥46,238,397 |
¥7,238,397 |
| 35 |
1.10% |
¥111,918 |
¥47,005,699 |
¥8,005,699 |
| 35 |
1.20% |
¥113,764 |
¥47,780,834 |
¥8,780,834 |
| 35 |
1.30% |
¥115,628 |
¥48,563,782 |
¥9,563,782 |
| 35 |
1.40% |
¥117,511 |
¥49,354,516 |
¥10,354,516 |
| 35 |
1.50% |
¥119,412 |
¥50,153,011 |
¥11,153,011 |
| 35 |
1.60% |
¥121,332 |
¥50,959,238 |
¥11,959,238 |
| 35 |
1.70% |
¥123,269 |
¥51,773,168 |
¥12,773,168 |
| 35 |
1.80% |
¥125,226 |
¥52,594,767 |
¥13,594,767 |
| 35 |
1.90% |
¥127,200 |
¥53,424,004 |
¥14,424,004 |
| 35 |
2.00% |
¥129,192 |
¥54,260,842 |
¥15,260,842 |
| 35 |
2.10% |
¥131,203 |
¥55,105,245 |
¥16,105,245 |
| 35 |
2.20% |
¥133,231 |
¥55,957,175 |
¥16,957,175 |
| 35 |
2.30% |
¥135,278 |
¥56,816,591 |
¥17,816,591 |
| 35 |
2.40% |
¥137,342 |
¥57,683,453 |
¥18,683,453 |
| 35 |
2.50% |
¥139,423 |
¥58,557,716 |
¥19,557,716 |
| 35 |
2.60% |
¥141,522 |
¥59,439,338 |
¥20,439,338 |
| 35 |
2.70% |
¥143,639 |
¥60,328,271 |
¥21,328,271 |
| 35 |
2.80% |
¥145,773 |
¥61,224,468 |
¥22,224,468 |
| 35 |
2.90% |
¥147,924 |
¥62,127,882 |
¥23,127,882 |
| 35 |
3.00% |
¥150,092 |
¥63,038,461 |
¥24,038,461 |
3900万円｜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% |
¥120,138 |
¥43,249,552 |
¥4,249,552 |
| 30 |
0.80% |
¥121,889 |
¥43,879,957 |
¥4,879,957 |
| 30 |
0.90% |
¥123,656 |
¥44,516,172 |
¥5,516,172 |
| 30 |
1.00% |
¥125,439 |
¥45,158,189 |
¥6,158,189 |
| 30 |
1.10% |
¥127,239 |
¥45,805,995 |
¥6,805,995 |
| 30 |
1.20% |
¥129,054 |
¥46,459,581 |
¥7,459,581 |
| 30 |
1.30% |
¥130,886 |
¥47,118,932 |
¥8,118,932 |
| 30 |
1.40% |
¥132,733 |
¥47,784,036 |
¥8,784,036 |
| 30 |
1.50% |
¥134,597 |
¥48,454,878 |
¥9,454,878 |
| 30 |
1.60% |
¥136,476 |
¥49,131,441 |
¥10,131,441 |
| 30 |
1.70% |
¥138,371 |
¥49,813,711 |
¥10,813,711 |
| 30 |
1.80% |
¥140,282 |
¥50,501,669 |
¥11,501,669 |
| 30 |
1.90% |
¥142,209 |
¥51,195,296 |
¥12,195,296 |
| 30 |
2.00% |
¥144,152 |
¥51,894,574 |
¥12,894,574 |
| 30 |
2.10% |
¥146,110 |
¥52,599,482 |
¥13,599,482 |
| 30 |
2.20% |
¥148,083 |
¥53,309,998 |
¥14,309,998 |
| 30 |
2.30% |
¥150,073 |
¥54,026,101 |
¥15,026,101 |
| 30 |
2.40% |
¥152,077 |
¥54,747,768 |
¥15,747,768 |
| 30 |
2.50% |
¥154,097 |
¥55,474,974 |
¥16,474,974 |
| 30 |
2.60% |
¥156,132 |
¥56,207,695 |
¥17,207,695 |
| 30 |
2.70% |
¥158,183 |
¥56,945,906 |
¥17,945,906 |
| 30 |
2.80% |
¥160,249 |
¥57,689,580 |
¥18,689,580 |
| 30 |
2.90% |
¥162,330 |
¥58,438,689 |
¥19,438,689 |
| 30 |
3.00% |
¥164,426 |
¥59,193,206 |
¥20,193,206 |
3900万円｜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% |
¥141,744 |
¥42,523,325 |
¥3,523,325 |
| 25 |
0.80% |
¥143,476 |
¥43,042,869 |
¥4,042,869 |
| 25 |
0.90% |
¥145,222 |
¥43,566,454 |
¥4,566,454 |
| 25 |
1.00% |
¥146,980 |
¥44,094,077 |
¥5,094,077 |
| 25 |
1.10% |
¥148,752 |
¥44,625,732 |
¥5,625,732 |
| 25 |
1.20% |
¥150,538 |
¥45,161,413 |
¥6,161,413 |
| 25 |
1.30% |
¥152,337 |
¥45,701,115 |
¥6,701,115 |
| 25 |
1.40% |
¥154,149 |
¥46,244,829 |
¥7,244,829 |
| 25 |
1.50% |
¥155,975 |
¥46,792,550 |
¥7,792,550 |
| 25 |
1.60% |
¥157,814 |
¥47,344,269 |
¥8,344,269 |
| 25 |
1.70% |
¥159,667 |
¥47,899,978 |
¥8,899,978 |
| 25 |
1.80% |
¥161,532 |
¥48,459,669 |
¥9,459,669 |
| 25 |
1.90% |
¥163,411 |
¥49,023,332 |
¥10,023,332 |
| 25 |
2.00% |
¥165,303 |
¥49,590,958 |
¥10,590,958 |
| 25 |
2.10% |
¥167,208 |
¥50,162,536 |
¥11,162,536 |
| 25 |
2.20% |
¥169,127 |
¥50,738,056 |
¥11,738,056 |
| 25 |
2.30% |
¥171,058 |
¥51,317,508 |
¥12,317,508 |
| 25 |
2.40% |
¥173,003 |
¥51,900,879 |
¥12,900,879 |
| 25 |
2.50% |
¥174,961 |
¥52,488,158 |
¥13,488,158 |
| 25 |
2.60% |
¥176,931 |
¥53,079,332 |
¥14,079,332 |
| 25 |
2.70% |
¥178,915 |
¥53,674,390 |
¥14,674,390 |
| 25 |
2.80% |
¥180,911 |
¥54,273,316 |
¥15,273,316 |
| 25 |
2.90% |
¥182,920 |
¥54,876,099 |
¥15,876,099 |
| 25 |
3.00% |
¥184,942 |
¥55,482,724 |
¥16,482,724 |
3900万円｜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% |
¥174,188 |
¥41,805,035 |
¥2,805,035 |
| 20 |
0.80% |
¥175,901 |
¥42,216,135 |
¥3,216,135 |
| 20 |
0.90% |
¥177,624 |
¥42,629,827 |
¥3,629,827 |
| 20 |
1.00% |
¥179,359 |
¥43,046,107 |
¥4,046,107 |
| 20 |
1.10% |
¥181,104 |
¥43,464,974 |
¥4,464,974 |
| 20 |
1.20% |
¥182,860 |
¥43,886,424 |
¥4,886,424 |
| 20 |
1.30% |
¥184,627 |
¥44,310,456 |
¥5,310,456 |
| 20 |
1.40% |
¥186,404 |
¥44,737,065 |
¥5,737,065 |
| 20 |
1.50% |
¥188,193 |
¥45,166,250 |
¥6,166,250 |
| 20 |
1.60% |
¥189,992 |
¥45,598,007 |
¥6,598,007 |
| 20 |
1.70% |
¥191,801 |
¥46,032,332 |
¥7,032,332 |
| 20 |
1.80% |
¥193,622 |
¥46,469,222 |
¥7,469,222 |
| 20 |
1.90% |
¥195,453 |
¥46,908,673 |
¥7,908,673 |
| 20 |
2.00% |
¥197,295 |
¥47,350,680 |
¥8,350,680 |
| 20 |
2.10% |
¥199,147 |
¥47,795,240 |
¥8,795,240 |
| 20 |
2.20% |
¥201,010 |
¥48,242,348 |
¥9,242,348 |
| 20 |
2.30% |
¥202,883 |
¥48,691,999 |
¥9,691,999 |
| 20 |
2.40% |
¥204,767 |
¥49,144,188 |
¥10,144,188 |
| 20 |
2.50% |
¥206,662 |
¥49,598,911 |
¥10,598,911 |
| 20 |
2.60% |
¥208,567 |
¥50,056,162 |
¥11,056,162 |
| 20 |
2.70% |
¥210,483 |
¥50,515,935 |
¥11,515,935 |
| 20 |
2.80% |
¥212,409 |
¥50,978,226 |
¥11,978,226 |
| 20 |
2.90% |
¥214,346 |
¥51,443,028 |
¥12,443,028 |
| 20 |
3.00% |
¥216,293 |
¥51,910,335 |
¥12,910,335 |
3900万円｜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% |
¥228,304 |
¥41,094,688 |
¥2,094,688 |
| 15 |
0.80% |
¥229,999 |
¥41,399,772 |
¥2,399,772 |
| 15 |
0.90% |
¥231,702 |
¥41,706,314 |
¥2,706,314 |
| 15 |
1.00% |
¥233,413 |
¥42,014,315 |
¥3,014,315 |
| 15 |
1.10% |
¥235,132 |
¥42,323,773 |
¥3,323,773 |
| 15 |
1.20% |
¥236,859 |
¥42,634,687 |
¥3,634,687 |
| 15 |
1.30% |
¥238,595 |
¥42,947,057 |
¥3,947,057 |
| 15 |
1.40% |
¥240,338 |
¥43,260,882 |
¥4,260,882 |
| 15 |
1.50% |
¥242,090 |
¥43,576,160 |
¥4,576,160 |
| 15 |
1.60% |
¥243,849 |
¥43,892,890 |
¥4,892,890 |
| 15 |
1.70% |
¥245,617 |
¥44,211,072 |
¥5,211,072 |
| 15 |
1.80% |
¥247,393 |
¥44,530,703 |
¥5,530,703 |
| 15 |
1.90% |
¥249,177 |
¥44,851,784 |
¥5,851,784 |
| 15 |
2.00% |
¥250,968 |
¥45,174,311 |
¥6,174,311 |
| 15 |
2.10% |
¥252,768 |
¥45,498,284 |
¥6,498,284 |
| 15 |
2.20% |
¥254,576 |
¥45,823,701 |
¥6,823,701 |
| 15 |
2.30% |
¥256,392 |
¥46,150,561 |
¥7,150,561 |
| 15 |
2.40% |
¥258,216 |
¥46,478,862 |
¥7,478,862 |
| 15 |
2.50% |
¥260,048 |
¥46,808,602 |
¥7,808,602 |
| 15 |
2.60% |
¥261,888 |
¥47,139,780 |
¥8,139,780 |
| 15 |
2.70% |
¥263,736 |
¥47,472,394 |
¥8,472,394 |
| 15 |
2.80% |
¥265,591 |
¥47,806,442 |
¥8,806,442 |
| 15 |
2.90% |
¥267,455 |
¥48,141,922 |
¥9,141,922 |
| 15 |
3.00% |
¥269,327 |
¥48,478,831 |
¥9,478,831 |
3900万円｜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% |
¥336,602 |
¥40,392,293 |
¥1,392,293 |
| 10 |
0.80% |
¥338,282 |
¥40,593,789 |
¥1,593,789 |
| 10 |
0.90% |
¥339,966 |
¥40,795,935 |
¥1,795,935 |
| 10 |
1.00% |
¥341,656 |
¥40,998,729 |
¥1,998,729 |
| 10 |
1.10% |
¥343,351 |
¥41,202,171 |
¥2,202,171 |
| 10 |
1.20% |
¥345,052 |
¥41,406,262 |
¥2,406,262 |
| 10 |
1.30% |
¥346,758 |
¥41,611,001 |
¥2,611,001 |
| 10 |
1.40% |
¥348,470 |
¥41,816,388 |
¥2,816,388 |
| 10 |
1.50% |
¥350,187 |
¥42,022,422 |
¥3,022,422 |
| 10 |
1.60% |
¥351,909 |
¥42,229,103 |
¥3,229,103 |
| 10 |
1.70% |
¥353,637 |
¥42,436,432 |
¥3,436,432 |
| 10 |
1.80% |
¥355,370 |
¥42,644,407 |
¥3,644,407 |
| 10 |
1.90% |
¥357,109 |
¥42,853,029 |
¥3,853,029 |
| 10 |
2.00% |
¥358,852 |
¥43,062,296 |
¥4,062,296 |
| 10 |
2.10% |
¥360,602 |
¥43,272,210 |
¥4,272,210 |
| 10 |
2.20% |
¥362,356 |
¥43,482,769 |
¥4,482,769 |
| 10 |
2.30% |
¥364,116 |
¥43,693,973 |
¥4,693,973 |
| 10 |
2.40% |
¥365,882 |
¥43,905,821 |
¥4,905,821 |
| 10 |
2.50% |
¥367,653 |
¥44,118,314 |
¥5,118,314 |
| 10 |
2.60% |
¥369,429 |
¥44,331,451 |
¥5,331,451 |
| 10 |
2.70% |
¥371,210 |
¥44,545,231 |
¥5,545,231 |
| 10 |
2.80% |
¥372,997 |
¥44,759,654 |
¥5,759,654 |
| 10 |
2.90% |
¥374,789 |
¥44,974,720 |
¥5,974,720 |
| 10 |
3.00% |
¥376,587 |
¥45,190,429 |
¥6,190,429 |
