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 |
