3940万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。3940万円の住宅ローンが、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。
3940万円の住宅ローン｜期間・年数別
3940万円｜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% | ¥77,846 | ¥46,707,764 | ¥7,307,764 |
| 50 | 0.80% | ¥79,695 | ¥47,816,896 | ¥8,416,896 |
| 50 | 0.90% | ¥81,570 | ¥48,942,168 | ¥9,542,168 |
| 50 | 1.00% | ¥83,473 | ¥50,083,510 | ¥10,683,510 |
| 50 | 1.10% | ¥85,401 | ¥51,240,844 | ¥11,840,844 |
| 50 | 1.20% | ¥87,357 | ¥52,414,085 | ¥13,014,085 |
| 50 | 1.30% | ¥89,339 | ¥53,603,140 | ¥14,203,140 |
| 50 | 1.40% | ¥91,347 | ¥54,807,910 | ¥15,407,910 |
| 50 | 1.50% | ¥93,380 | ¥56,028,287 | ¥16,628,287 |
| 50 | 1.60% | ¥95,440 | ¥57,264,160 | ¥17,864,160 |
| 50 | 1.70% | ¥97,526 | ¥58,515,408 | ¥19,115,408 |
| 50 | 1.80% | ¥99,637 | ¥59,781,904 | ¥20,381,904 |
| 50 | 1.90% | ¥101,773 | ¥61,063,515 | ¥21,663,515 |
| 50 | 2.00% | ¥103,934 | ¥62,360,105 | ¥22,960,105 |
| 50 | 2.10% | ¥106,119 | ¥63,671,527 | ¥24,271,527 |
| 50 | 2.20% | ¥108,329 | ¥64,997,633 | ¥25,597,633 |
| 50 | 2.30% | ¥110,564 | ¥66,338,267 | ¥26,938,267 |
| 50 | 2.40% | ¥112,822 | ¥67,693,270 | ¥28,293,270 |
| 50 | 2.50% | ¥115,104 | ¥69,062,475 | ¥29,662,475 |
| 50 | 2.60% | ¥117,410 | ¥70,445,715 | ¥31,045,715 |
| 50 | 2.70% | ¥119,738 | ¥71,842,815 | ¥32,442,815 |
| 50 | 2.80% | ¥122,089 | ¥73,253,598 | ¥33,853,598 |
| 50 | 2.90% | ¥124,463 | ¥74,677,881 | ¥35,277,881 |
| 50 | 3.00% | ¥126,859 | ¥76,115,481 | ¥36,715,481 |
3940万円｜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% | ¥85,078 | ¥45,942,147 | ¥6,542,147 |
| 45 | 0.80% | ¥86,907 | ¥46,929,595 | ¥7,529,595 |
| 45 | 0.90% | ¥88,760 | ¥47,930,155 | ¥8,530,155 |
| 45 | 1.00% | ¥90,637 | ¥48,943,782 | ¥9,543,782 |
| 45 | 1.10% | ¥92,538 | ¥49,970,424 | ¥10,570,424 |
| 45 | 1.20% | ¥94,463 | ¥51,010,024 | ¥11,610,024 |
| 45 | 1.30% | ¥96,412 | ¥52,062,521 | ¥12,662,521 |
| 45 | 1.40% | ¥98,385 | ¥53,127,849 | ¥13,727,849 |
| 45 | 1.50% | ¥100,381 | ¥54,205,937 | ¥14,805,937 |
| 45 | 1.60% | ¥102,401 | ¥55,296,709 | ¥15,896,709 |
| 45 | 1.70% | ¥104,445 | ¥56,400,085 | ¥17,000,085 |
| 45 | 1.80% | ¥106,511 | ¥57,515,981 | ¥18,115,981 |
| 45 | 1.90% | ¥108,601 | ¥58,644,308 | ¥19,244,308 |
| 45 | 2.00% | ¥110,713 | ¥59,784,973 | ¥20,384,973 |
| 45 | 2.10% | ¥112,848 | ¥60,937,879 | ¥21,537,879 |
| 45 | 2.20% | ¥115,005 | ¥62,102,925 | ¥22,702,925 |
| 45 | 2.30% | ¥117,185 | ¥63,280,006 | ¥23,880,006 |
| 45 | 2.40% | ¥119,387 | ¥64,469,015 | ¥25,069,015 |
| 45 | 2.50% | ¥121,611 | ¥65,669,840 | ¥26,269,840 |
| 45 | 2.60% | ¥123,856 | ¥66,882,364 | ¥27,482,364 |
| 45 | 2.70% | ¥126,123 | ¥68,106,471 | ¥28,706,471 |
| 45 | 2.80% | ¥128,411 | ¥69,342,038 | ¥29,942,038 |
| 45 | 2.90% | ¥130,720 | ¥70,588,942 | ¥31,188,942 |
| 45 | 3.00% | ¥133,050 | ¥71,847,054 | ¥32,447,054 |
3940万円｜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% | ¥94,134 | ¥45,184,493 | ¥5,784,493 |
| 40 | 0.80% | ¥95,943 | ¥46,052,661 | ¥6,652,661 |
| 40 | 0.90% | ¥97,773 | ¥46,931,218 | ¥7,531,218 |
| 40 | 1.00% | ¥99,625 | ¥47,820,135 | ¥8,420,135 |
| 40 | 1.10% | ¥101,499 | ¥48,719,379 | ¥9,319,379 |
| 40 | 1.20% | ¥103,394 | ¥49,628,914 | ¥10,228,914 |
| 40 | 1.30% | ¥105,310 | ¥50,548,702 | ¥11,148,702 |
| 40 | 1.40% | ¥107,247 | ¥51,478,700 | ¥12,078,700 |
| 40 | 1.50% | ¥109,206 | ¥52,418,863 | ¥13,018,863 |
| 40 | 1.60% | ¥111,186 | ¥53,369,144 | ¥13,969,144 |
| 40 | 1.70% | ¥113,186 | ¥54,329,492 | ¥14,929,492 |
| 40 | 1.80% | ¥115,208 | ¥55,299,853 | ¥15,899,853 |
| 40 | 1.90% | ¥117,250 | ¥56,280,170 | ¥16,880,170 |
| 40 | 2.00% | ¥119,313 | ¥57,270,385 | ¥17,870,385 |
| 40 | 2.10% | ¥121,397 | ¥58,270,435 | ¥18,870,435 |
| 40 | 2.20% | ¥123,501 | ¥59,280,255 | ¥19,880,255 |
| 40 | 2.30% | ¥125,625 | ¥60,299,780 | ¥20,899,780 |
| 40 | 2.40% | ¥127,769 | ¥61,328,938 | ¥21,928,938 |
| 40 | 2.50% | ¥129,933 | ¥62,367,658 | ¥22,967,658 |
| 40 | 2.60% | ¥132,116 | ¥63,415,867 | ¥24,015,867 |
| 40 | 2.70% | ¥134,320 | ¥64,473,486 | ¥25,073,486 |
| 40 | 2.80% | ¥136,543 | ¥65,540,438 | ¥26,140,438 |
| 40 | 2.90% | ¥138,785 | ¥66,616,641 | ¥27,216,641 |
| 40 | 3.00% | ¥141,046 | ¥67,702,014 | ¥28,302,014 |
3940万円｜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% | ¥105,797 | ¥44,434,818 | ¥5,034,818 |
| 35 | 0.80% | ¥107,586 | ¥45,186,124 | ¥5,786,124 |
| 35 | 0.90% | ¥109,394 | ¥45,945,403 | ¥6,545,403 |
| 35 | 1.00% | ¥111,221 | ¥46,712,637 | ¥7,312,637 |
| 35 | 1.10% | ¥113,066 | ¥47,487,808 | ¥8,087,808 |
| 35 | 1.20% | ¥114,931 | ¥48,270,894 | ¥8,870,894 |
| 35 | 1.30% | ¥116,814 | ¥49,061,872 | ¥9,661,872 |
| 35 | 1.40% | ¥118,716 | ¥49,860,716 | ¥10,460,716 |
| 35 | 1.50% | ¥120,637 | ¥50,667,401 | ¥11,267,401 |
| 35 | 1.60% | ¥122,576 | ¥51,481,897 | ¥12,081,897 |
| 35 | 1.70% | ¥124,534 | ¥52,304,174 | ¥12,904,174 |
| 35 | 1.80% | ¥126,510 | ¥53,134,201 | ¥13,734,201 |
| 35 | 1.90% | ¥128,505 | ¥53,971,942 | ¥14,571,942 |
| 35 | 2.00% | ¥130,518 | ¥54,817,363 | ¥15,417,363 |
| 35 | 2.10% | ¥132,549 | ¥55,670,427 | ¥16,270,427 |
| 35 | 2.20% | ¥134,598 | ¥56,531,094 | ¥17,131,094 |
| 35 | 2.30% | ¥136,665 | ¥57,399,325 | ¥17,999,325 |
| 35 | 2.40% | ¥138,750 | ¥58,275,078 | ¥18,875,078 |
| 35 | 2.50% | ¥140,853 | ¥59,158,308 | ¥19,758,308 |
| 35 | 2.60% | ¥142,974 | ¥60,048,972 | ¥20,648,972 |
| 35 | 2.70% | ¥145,112 | ¥60,947,022 | ¥21,547,022 |
| 35 | 2.80% | ¥147,268 | ¥61,852,412 | ¥22,452,412 |
| 35 | 2.90% | ¥149,441 | ¥62,765,091 | ¥23,365,091 |
| 35 | 3.00% | ¥151,631 | ¥63,685,009 | ¥24,285,009 |
3940万円｜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% | ¥121,370 | ¥43,693,137 | ¥4,293,137 |
| 30 | 0.80% | ¥123,139 | ¥44,330,008 | ¥4,930,008 |
| 30 | 0.90% | ¥124,924 | ¥44,972,748 | ¥5,572,748 |
| 30 | 1.00% | ¥126,726 | ¥45,621,350 | ¥6,221,350 |
| 30 | 1.10% | ¥128,544 | ¥46,275,800 | ¥6,875,800 |
| 30 | 1.20% | ¥130,378 | ¥46,936,089 | ¥7,536,089 |
| 30 | 1.30% | ¥132,228 | ¥47,602,203 | ¥8,202,203 |
| 30 | 1.40% | ¥134,095 | ¥48,274,129 | ¥8,874,129 |
| 30 | 1.50% | ¥135,977 | ¥48,951,851 | ¥9,551,851 |
| 30 | 1.60% | ¥137,876 | ¥49,635,354 | ¥10,235,354 |
| 30 | 1.70% | ¥139,791 | ¥50,324,621 | ¥10,924,621 |
| 30 | 1.80% | ¥141,721 | ¥51,019,635 | ¥11,619,635 |
| 30 | 1.90% | ¥143,668 | ¥51,720,376 | ¥12,320,376 |
| 30 | 2.00% | ¥145,630 | ¥52,426,826 | ¥13,026,826 |
| 30 | 2.10% | ¥147,608 | ¥53,138,964 | ¥13,738,964 |
| 30 | 2.20% | ¥149,602 | ¥53,856,767 | ¥14,456,767 |
| 30 | 2.30% | ¥151,612 | ¥54,580,215 | ¥15,180,215 |
| 30 | 2.40% | ¥153,637 | ¥55,309,283 | ¥15,909,283 |
| 30 | 2.50% | ¥155,678 | ¥56,043,948 | ¥16,643,948 |
| 30 | 2.60% | ¥157,734 | ¥56,784,185 | ¥17,384,185 |
| 30 | 2.70% | ¥159,805 | ¥57,529,967 | ¥18,129,967 |
| 30 | 2.80% | ¥161,892 | ¥58,281,268 | ¥18,881,268 |
| 30 | 2.90% | ¥163,995 | ¥59,038,060 | ¥19,638,060 |
| 30 | 3.00% | ¥166,112 | ¥59,800,316 | ¥20,400,316 |
3940万円｜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% | ¥143,198 | ¥42,959,462 | ¥3,559,462 |
| 25 | 0.80% | ¥144,948 | ¥43,484,334 | ¥4,084,334 |
| 25 | 0.90% | ¥146,711 | ¥44,013,290 | ¥4,613,290 |
| 25 | 1.00% | ¥148,488 | ¥44,546,324 | ¥5,146,324 |
| 25 | 1.10% | ¥150,278 | ¥45,083,432 | ¥5,683,432 |
| 25 | 1.20% | ¥152,082 | ¥45,624,607 | ¥6,224,607 |
| 25 | 1.30% | ¥153,899 | ¥46,169,844 | ¥6,769,844 |
| 25 | 1.40% | ¥155,730 | ¥46,719,135 | ¥7,319,135 |
| 25 | 1.50% | ¥157,575 | ¥47,272,474 | ¥7,872,474 |
| 25 | 1.60% | ¥159,433 | ¥47,829,851 | ¥8,429,851 |
| 25 | 1.70% | ¥161,304 | ¥48,391,260 | ¥8,991,260 |
| 25 | 1.80% | ¥163,189 | ¥48,956,691 | ¥9,556,691 |
| 25 | 1.90% | ¥165,087 | ¥49,526,135 | ¥10,126,135 |
| 25 | 2.00% | ¥166,999 | ¥50,099,583 | ¥10,699,583 |
| 25 | 2.10% | ¥168,923 | ¥50,677,023 | ¥11,277,023 |
| 25 | 2.20% | ¥170,861 | ¥51,258,447 | ¥11,858,447 |
| 25 | 2.30% | ¥172,813 | ¥51,843,841 | ¥12,443,841 |
| 25 | 2.40% | ¥174,777 | ¥52,433,196 | ¥13,033,196 |
| 25 | 2.50% | ¥176,755 | ¥53,026,498 | ¥13,626,498 |
| 25 | 2.60% | ¥178,746 | ¥53,623,736 | ¥14,223,736 |
| 25 | 2.70% | ¥180,750 | ¥54,224,896 | ¥14,824,896 |
| 25 | 2.80% | ¥182,767 | ¥54,829,966 | ¥15,429,966 |
| 25 | 2.90% | ¥184,796 | ¥55,438,931 | ¥16,038,931 |
| 25 | 3.00% | ¥186,839 | ¥56,051,777 | ¥16,651,777 |
3940万円｜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% | ¥175,974 | ¥42,233,804 | ¥2,833,804 |
| 20 | 0.80% | ¥177,705 | ¥42,649,121 | ¥3,249,121 |
| 20 | 0.90% | ¥179,446 | ¥43,067,056 | ¥3,667,056 |
| 20 | 1.00% | ¥181,198 | ¥43,487,606 | ¥4,087,606 |
| 20 | 1.10% | ¥182,962 | ¥43,910,768 | ¥4,510,768 |
| 20 | 1.20% | ¥184,736 | ¥44,336,541 | ¥4,936,541 |
| 20 | 1.30% | ¥186,521 | ¥44,764,922 | ¥5,364,922 |
| 20 | 1.40% | ¥188,316 | ¥45,195,907 | ¥5,795,907 |
| 20 | 1.50% | ¥190,123 | ¥45,629,494 | ¥6,229,494 |
| 20 | 1.60% | ¥191,940 | ¥46,065,679 | ¥6,665,679 |
| 20 | 1.70% | ¥193,769 | ¥46,504,459 | ¥7,104,459 |
| 20 | 1.80% | ¥195,608 | ¥46,945,830 | ¥7,545,830 |
| 20 | 1.90% | ¥197,457 | ¥47,389,787 | ¥7,989,787 |
| 20 | 2.00% | ¥199,318 | ¥47,836,328 | ¥8,436,328 |
| 20 | 2.10% | ¥201,189 | ¥48,285,448 | ¥8,885,448 |
| 20 | 2.20% | ¥203,071 | ¥48,737,141 | ¥9,337,141 |
| 20 | 2.30% | ¥204,964 | ¥49,191,404 | ¥9,791,404 |
| 20 | 2.40% | ¥206,868 | ¥49,648,231 | ¥10,248,231 |
| 20 | 2.50% | ¥208,782 | ¥50,107,618 | ¥10,707,618 |
| 20 | 2.60% | ¥210,706 | ¥50,569,558 | ¥11,169,558 |
| 20 | 2.70% | ¥212,642 | ¥51,034,047 | ¥11,634,047 |
| 20 | 2.80% | ¥214,588 | ¥51,501,080 | ¥12,101,080 |
| 20 | 2.90% | ¥216,544 | ¥51,970,649 | ¥12,570,649 |
| 20 | 3.00% | ¥218,511 | ¥52,442,749 | ¥13,042,749 |
3940万円｜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% | ¥230,645 | ¥41,516,172 | ¥2,116,172 |
| 15 | 0.80% | ¥232,358 | ¥41,824,385 | ¥2,424,385 |
| 15 | 0.90% | ¥234,078 | ¥42,134,071 | ¥2,734,071 |
| 15 | 1.00% | ¥235,807 | ¥42,445,231 | ¥3,045,231 |
| 15 | 1.10% | ¥237,544 | ¥42,757,863 | ¥3,357,863 |
| 15 | 1.20% | ¥239,289 | ¥43,071,966 | ¥3,671,966 |
| 15 | 1.30% | ¥241,042 | ¥43,387,540 | ¥3,987,540 |
| 15 | 1.40% | ¥242,803 | ¥43,704,583 | ¥4,304,583 |
| 15 | 1.50% | ¥244,573 | ¥44,023,095 | ¥4,623,095 |
| 15 | 1.60% | ¥246,350 | ¥44,343,074 | ¥4,943,074 |
| 15 | 1.70% | ¥248,136 | ¥44,664,519 | ¥5,264,519 |
| 15 | 1.80% | ¥249,930 | ¥44,987,429 | ¥5,587,429 |
| 15 | 1.90% | ¥251,732 | ¥45,311,802 | ¥5,911,802 |
| 15 | 2.00% | ¥253,542 | ¥45,637,637 | ¥6,237,637 |
| 15 | 2.10% | ¥255,361 | ¥45,964,933 | ¥6,564,933 |
| 15 | 2.20% | ¥257,187 | ¥46,293,688 | ¥6,893,688 |
| 15 | 2.30% | ¥259,022 | ¥46,623,900 | ¥7,223,900 |
| 15 | 2.40% | ¥260,864 | ¥46,955,568 | ¥7,555,568 |
| 15 | 2.50% | ¥262,715 | ¥47,288,691 | ¥7,888,691 |
| 15 | 2.60% | ¥264,574 | ¥47,623,265 | ¥8,223,265 |
| 15 | 2.70% | ¥266,441 | ¥47,959,291 | ¥8,559,291 |
| 15 | 2.80% | ¥268,315 | ¥48,296,764 | ¥8,896,764 |
| 15 | 2.90% | ¥270,198 | ¥48,635,685 | ¥9,235,685 |
| 15 | 3.00% | ¥272,089 | ¥48,976,050 | ¥9,576,050 |
3940万円｜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% | ¥340,055 | ¥40,806,573 | ¥1,406,573 |
| 10 | 0.80% | ¥341,751 | ¥41,010,136 | ¥1,610,136 |
| 10 | 0.90% | ¥343,453 | ¥41,214,355 | ¥1,814,355 |
| 10 | 1.00% | ¥345,160 | ¥41,419,229 | ¥2,019,229 |
| 10 | 1.10% | ¥346,873 | ¥41,624,758 | ¥2,224,758 |
| 10 | 1.20% | ¥348,591 | ¥41,830,942 | ¥2,430,942 |
| 10 | 1.30% | ¥350,315 | ¥42,037,781 | ¥2,637,781 |
| 10 | 1.40% | ¥352,044 | ¥42,245,274 | ¥2,845,274 |
| 10 | 1.50% | ¥353,779 | ¥42,453,421 | ¥3,053,421 |
| 10 | 1.60% | ¥355,519 | ¥42,662,222 | ¥3,262,222 |
| 10 | 1.70% | ¥357,264 | ¥42,871,677 | ¥3,471,677 |
| 10 | 1.80% | ¥359,015 | ¥43,081,786 | ¥3,681,786 |
| 10 | 1.90% | ¥360,771 | ¥43,292,547 | ¥3,892,547 |
| 10 | 2.00% | ¥362,533 | ¥43,503,961 | ¥4,103,961 |
| 10 | 2.10% | ¥364,300 | ¥43,716,027 | ¥4,316,027 |
| 10 | 2.20% | ¥366,073 | ¥43,928,746 | ¥4,528,746 |
| 10 | 2.30% | ¥367,851 | ¥44,142,116 | ¥4,742,116 |
| 10 | 2.40% | ¥369,634 | ¥44,356,137 | ¥4,956,137 |
| 10 | 2.50% | ¥371,423 | ¥44,570,810 | ¥5,170,810 |
| 10 | 2.60% | ¥373,218 | ¥44,786,132 | ¥5,386,132 |
| 10 | 2.70% | ¥375,018 | ¥45,002,105 | ¥5,602,105 |
| 10 | 2.80% | ¥376,823 | ¥45,218,728 | ¥5,818,728 |
| 10 | 2.90% | ¥378,633 | ¥45,436,000 | ¥6,036,000 |
| 10 | 3.00% | ¥380,449 | ¥45,653,920 | ¥6,253,920 |
