3950万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。3950万円の住宅ローンが、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。
3950万円の住宅ローン｜期間・年数別
3950万円｜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% | ¥78,044 | ¥46,826,311 | ¥7,326,311 |
| 50 | 0.80% | ¥79,897 | ¥47,938,259 | ¥8,438,259 |
| 50 | 0.90% | ¥81,777 | ¥49,066,387 | ¥9,566,387 |
| 50 | 1.00% | ¥83,684 | ¥50,210,626 | ¥10,710,626 |
| 50 | 1.10% | ¥85,618 | ¥51,370,897 | ¥11,870,897 |
| 50 | 1.20% | ¥87,579 | ¥52,547,116 | ¥13,047,116 |
| 50 | 1.30% | ¥89,565 | ¥53,739,188 | ¥14,239,188 |
| 50 | 1.40% | ¥91,578 | ¥54,947,016 | ¥15,447,016 |
| 50 | 1.50% | ¥93,617 | ¥56,170,491 | ¥16,670,491 |
| 50 | 1.60% | ¥95,683 | ¥57,409,501 | ¥17,909,501 |
| 50 | 1.70% | ¥97,773 | ¥58,663,924 | ¥19,163,924 |
| 50 | 1.80% | ¥99,889 | ¥59,933,634 | ¥20,433,634 |
| 50 | 1.90% | ¥102,031 | ¥61,218,499 | ¥21,718,499 |
| 50 | 2.00% | ¥104,197 | ¥62,518,379 | ¥23,018,379 |
| 50 | 2.10% | ¥106,389 | ¥63,833,130 | ¥24,333,130 |
| 50 | 2.20% | ¥108,604 | ¥65,162,602 | ¥25,662,602 |
| 50 | 2.30% | ¥110,844 | ¥66,506,638 | ¥27,006,638 |
| 50 | 2.40% | ¥113,108 | ¥67,865,080 | ¥28,365,080 |
| 50 | 2.50% | ¥115,396 | ¥69,237,761 | ¥29,737,761 |
| 50 | 2.60% | ¥117,708 | ¥70,624,511 | ¥31,124,511 |
| 50 | 2.70% | ¥120,042 | ¥72,025,157 | ¥32,525,157 |
| 50 | 2.80% | ¥122,399 | ¥73,439,521 | ¥33,939,521 |
| 50 | 2.90% | ¥124,779 | ¥74,867,419 | ¥35,367,419 |
| 50 | 3.00% | ¥127,181 | ¥76,308,667 | ¥36,808,667 |
3950万円｜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% | ¥85,294 | ¥46,058,752 | ¥6,558,752 |
| 45 | 0.80% | ¥87,127 | ¥47,048,705 | ¥7,548,705 |
| 45 | 0.90% | ¥88,985 | ¥48,051,805 | ¥8,551,805 |
| 45 | 1.00% | ¥90,867 | ¥49,068,005 | ¥9,568,005 |
| 45 | 1.10% | ¥92,773 | ¥50,097,252 | ¥10,597,252 |
| 45 | 1.20% | ¥94,703 | ¥51,139,491 | ¥11,639,491 |
| 45 | 1.30% | ¥96,657 | ¥52,194,660 | ¥12,694,660 |
| 45 | 1.40% | ¥98,635 | ¥53,262,692 | ¥13,762,692 |
| 45 | 1.50% | ¥100,636 | ¥54,343,516 | ¥14,843,516 |
| 45 | 1.60% | ¥102,661 | ¥55,437,056 | ¥15,937,056 |
| 45 | 1.70% | ¥104,710 | ¥56,543,233 | ¥17,043,233 |
| 45 | 1.80% | ¥106,781 | ¥57,661,961 | ¥18,161,961 |
| 45 | 1.90% | ¥108,876 | ¥58,793,151 | ¥19,293,151 |
| 45 | 2.00% | ¥110,994 | ¥59,936,711 | ¥20,436,711 |
| 45 | 2.10% | ¥113,134 | ¥61,092,543 | ¥21,592,543 |
| 45 | 2.20% | ¥115,297 | ¥62,260,546 | ¥22,760,546 |
| 45 | 2.30% | ¥117,483 | ¥63,440,615 | ¥23,940,615 |
| 45 | 2.40% | ¥119,690 | ¥64,632,642 | ¥25,132,642 |
| 45 | 2.50% | ¥121,919 | ¥65,836,514 | ¥26,336,514 |
| 45 | 2.60% | ¥124,171 | ¥67,052,117 | ¥27,552,117 |
| 45 | 2.70% | ¥126,443 | ¥68,279,330 | ¥28,779,330 |
| 45 | 2.80% | ¥128,737 | ¥69,518,033 | ¥30,018,033 |
| 45 | 2.90% | ¥131,052 | ¥70,768,101 | ¥31,268,101 |
| 45 | 3.00% | ¥133,388 | ¥72,029,407 | ¥32,529,407 |
3950万円｜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% | ¥94,373 | ¥45,299,175 | ¥5,799,175 |
| 40 | 0.80% | ¥96,187 | ¥46,169,546 | ¥6,669,546 |
| 40 | 0.90% | ¥98,022 | ¥47,050,333 | ¥7,550,333 |
| 40 | 1.00% | ¥99,878 | ¥47,941,506 | ¥8,441,506 |
| 40 | 1.10% | ¥101,756 | ¥48,843,032 | ¥9,343,032 |
| 40 | 1.20% | ¥103,656 | ¥49,754,876 | ¥10,254,876 |
| 40 | 1.30% | ¥105,577 | ¥50,676,998 | ¥11,176,998 |
| 40 | 1.40% | ¥107,519 | ¥51,609,356 | ¥12,109,356 |
| 40 | 1.50% | ¥109,483 | ¥52,551,906 | ¥13,051,906 |
| 40 | 1.60% | ¥111,468 | ¥53,504,599 | ¥14,004,599 |
| 40 | 1.70% | ¥113,474 | ¥54,467,384 | ¥14,967,384 |
| 40 | 1.80% | ¥115,500 | ¥55,440,208 | ¥15,940,208 |
| 40 | 1.90% | ¥117,548 | ¥56,423,013 | ¥16,923,013 |
| 40 | 2.00% | ¥119,616 | ¥57,415,741 | ¥17,915,741 |
| 40 | 2.10% | ¥121,705 | ¥58,418,329 | ¥18,918,329 |
| 40 | 2.20% | ¥123,814 | ¥59,430,713 | ¥19,930,713 |
| 40 | 2.30% | ¥125,943 | ¥60,452,825 | ¥20,952,825 |
| 40 | 2.40% | ¥128,093 | ¥61,484,595 | ¥21,984,595 |
| 40 | 2.50% | ¥130,262 | ¥62,525,952 | ¥23,025,952 |
| 40 | 2.60% | ¥132,452 | ¥63,576,821 | ¥24,076,821 |
| 40 | 2.70% | ¥134,661 | ¥64,637,124 | ¥25,137,124 |
| 40 | 2.80% | ¥136,889 | ¥65,706,784 | ¥26,206,784 |
| 40 | 2.90% | ¥139,137 | ¥66,785,719 | ¥27,285,719 |
| 40 | 3.00% | ¥141,404 | ¥67,873,846 | ¥28,373,846 |
3950万円｜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% | ¥106,066 | ¥44,547,597 | ¥5,047,597 |
| 35 | 0.80% | ¥107,859 | ¥45,300,810 | ¥5,800,810 |
| 35 | 0.90% | ¥109,671 | ¥46,062,016 | ¥6,562,016 |
| 35 | 1.00% | ¥111,503 | ¥46,831,197 | ¥7,331,197 |
| 35 | 1.10% | ¥113,353 | ¥47,608,336 | ¥8,108,336 |
| 35 | 1.20% | ¥115,222 | ¥48,393,409 | ¥8,893,409 |
| 35 | 1.30% | ¥117,110 | ¥49,186,394 | ¥9,686,394 |
| 35 | 1.40% | ¥119,017 | ¥49,987,267 | ¥10,487,267 |
| 35 | 1.50% | ¥120,943 | ¥50,795,999 | ¥11,295,999 |
| 35 | 1.60% | ¥122,887 | ¥51,612,562 | ¥12,112,562 |
| 35 | 1.70% | ¥124,850 | ¥52,436,926 | ¥12,936,926 |
| 35 | 1.80% | ¥126,831 | ¥53,269,059 | ¥13,769,059 |
| 35 | 1.90% | ¥128,831 | ¥54,108,927 | ¥14,608,927 |
| 35 | 2.00% | ¥130,849 | ¥54,956,493 | ¥15,456,493 |
| 35 | 2.10% | ¥132,885 | ¥55,811,722 | ¥16,311,722 |
| 35 | 2.20% | ¥134,939 | ¥56,674,574 | ¥17,174,574 |
| 35 | 2.30% | ¥137,012 | ¥57,545,009 | ¥18,045,009 |
| 35 | 2.40% | ¥139,102 | ¥58,422,984 | ¥18,922,984 |
| 35 | 2.50% | ¥141,211 | ¥59,308,456 | ¥19,808,456 |
| 35 | 2.60% | ¥143,337 | ¥60,201,380 | ¥20,701,380 |
| 35 | 2.70% | ¥145,480 | ¥61,101,710 | ¥21,601,710 |
| 35 | 2.80% | ¥147,641 | ¥62,009,398 | ¥22,509,398 |
| 35 | 2.90% | ¥149,820 | ¥62,924,393 | ¥23,424,393 |
| 35 | 3.00% | ¥152,016 | ¥63,846,647 | ¥24,346,647 |
3950万円｜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% | ¥121,678 | ¥43,804,033 | ¥4,304,033 |
| 30 | 0.80% | ¥123,451 | ¥44,442,520 | ¥4,942,520 |
| 30 | 0.90% | ¥125,241 | ¥45,086,892 | ¥5,586,892 |
| 30 | 1.00% | ¥127,048 | ¥45,737,140 | ¥6,237,140 |
| 30 | 1.10% | ¥128,870 | ¥46,393,252 | ¥6,893,252 |
| 30 | 1.20% | ¥130,709 | ¥47,055,216 | ¥7,555,216 |
| 30 | 1.30% | ¥132,564 | ¥47,723,021 | ¥8,223,021 |
| 30 | 1.40% | ¥134,435 | ¥48,396,652 | ¥8,896,652 |
| 30 | 1.50% | ¥136,322 | ¥49,076,094 | ¥9,576,094 |
| 30 | 1.60% | ¥138,226 | ¥49,761,332 | ¥10,261,332 |
| 30 | 1.70% | ¥140,145 | ¥50,452,348 | ¥10,952,348 |
| 30 | 1.80% | ¥142,081 | ¥51,149,126 | ¥11,649,126 |
| 30 | 1.90% | ¥144,032 | ¥51,851,646 | ¥12,351,646 |
| 30 | 2.00% | ¥146,000 | ¥52,559,889 | ¥13,059,889 |
| 30 | 2.10% | ¥147,983 | ¥53,273,834 | ¥13,773,834 |
| 30 | 2.20% | ¥149,982 | ¥53,993,460 | ¥14,493,460 |
| 30 | 2.30% | ¥151,997 | ¥54,718,744 | ¥15,218,744 |
| 30 | 2.40% | ¥154,027 | ¥55,449,662 | ¥15,949,662 |
| 30 | 2.50% | ¥156,073 | ¥56,186,192 | ¥16,686,192 |
| 30 | 2.60% | ¥158,134 | ¥56,928,307 | ¥17,428,307 |
| 30 | 2.70% | ¥160,211 | ¥57,675,982 | ¥18,175,982 |
| 30 | 2.80% | ¥162,303 | ¥58,429,190 | ¥18,929,190 |
| 30 | 2.90% | ¥164,411 | ¥59,187,903 | ¥19,687,903 |
| 30 | 3.00% | ¥166,534 | ¥59,952,094 | ¥20,452,094 |
3950万円｜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% | ¥143,562 | ¥43,068,496 | ¥3,568,496 |
| 25 | 0.80% | ¥145,316 | ¥43,594,700 | ¥4,094,700 |
| 25 | 0.90% | ¥147,083 | ¥44,124,999 | ¥4,624,999 |
| 25 | 1.00% | ¥148,865 | ¥44,659,386 | ¥5,159,386 |
| 25 | 1.10% | ¥150,660 | ¥45,197,857 | ¥5,697,857 |
| 25 | 1.20% | ¥152,468 | ¥45,740,406 | ¥6,240,406 |
| 25 | 1.30% | ¥154,290 | ¥46,287,027 | ¥6,787,027 |
| 25 | 1.40% | ¥156,126 | ¥46,837,712 | ¥7,337,712 |
| 25 | 1.50% | ¥157,975 | ¥47,392,455 | ¥7,892,455 |
| 25 | 1.60% | ¥159,837 | ¥47,951,247 | ¥8,451,247 |
| 25 | 1.70% | ¥161,714 | ¥48,514,081 | ¥9,014,081 |
| 25 | 1.80% | ¥163,603 | ¥49,080,947 | ¥9,580,947 |
| 25 | 1.90% | ¥165,506 | ¥49,651,836 | ¥10,151,836 |
| 25 | 2.00% | ¥167,422 | ¥50,226,739 | ¥10,726,739 |
| 25 | 2.10% | ¥169,352 | ¥50,805,645 | ¥11,305,645 |
| 25 | 2.20% | ¥171,295 | ¥51,388,544 | ¥11,888,544 |
| 25 | 2.30% | ¥173,251 | ¥51,975,425 | ¥12,475,425 |
| 25 | 2.40% | ¥175,221 | ¥52,566,275 | ¥13,066,275 |
| 25 | 2.50% | ¥177,204 | ¥53,161,083 | ¥13,661,083 |
| 25 | 2.60% | ¥179,199 | ¥53,759,837 | ¥14,259,837 |
| 25 | 2.70% | ¥181,208 | ¥54,362,523 | ¥14,862,523 |
| 25 | 2.80% | ¥183,230 | ¥54,969,128 | ¥15,469,128 |
| 25 | 2.90% | ¥185,265 | ¥55,579,639 | ¥16,079,639 |
| 25 | 3.00% | ¥187,313 | ¥56,194,041 | ¥16,694,041 |
3950万円｜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% | ¥176,421 | ¥42,340,997 | ¥2,840,997 |
| 20 | 0.80% | ¥178,156 | ¥42,757,368 | ¥3,257,368 |
| 20 | 0.90% | ¥179,902 | ¥43,176,363 | ¥3,676,363 |
| 20 | 1.00% | ¥181,658 | ¥43,597,980 | ¥4,097,980 |
| 20 | 1.10% | ¥183,426 | ¥44,022,217 | ¥4,522,217 |
| 20 | 1.20% | ¥185,204 | ¥44,449,070 | ¥4,949,070 |
| 20 | 1.30% | ¥186,994 | ¥44,878,538 | ¥5,378,538 |
| 20 | 1.40% | ¥188,794 | ¥45,310,617 | ¥5,810,617 |
| 20 | 1.50% | ¥190,605 | ¥45,745,305 | ¥6,245,305 |
| 20 | 1.60% | ¥192,427 | ¥46,182,597 | ¥6,682,597 |
| 20 | 1.70% | ¥194,260 | ¥46,622,490 | ¥7,122,490 |
| 20 | 1.80% | ¥196,104 | ¥47,064,981 | ¥7,564,981 |
| 20 | 1.90% | ¥197,959 | ¥47,510,066 | ¥8,010,066 |
| 20 | 2.00% | ¥199,824 | ¥47,957,740 | ¥8,457,740 |
| 20 | 2.10% | ¥201,700 | ¥48,407,999 | ¥8,907,999 |
| 20 | 2.20% | ¥203,587 | ¥48,860,839 | ¥9,360,839 |
| 20 | 2.30% | ¥205,484 | ¥49,316,255 | ¥9,816,255 |
| 20 | 2.40% | ¥207,393 | ¥49,774,242 | ¥10,274,242 |
| 20 | 2.50% | ¥209,312 | ¥50,234,794 | ¥10,734,794 |
| 20 | 2.60% | ¥211,241 | ¥50,697,907 | ¥11,197,907 |
| 20 | 2.70% | ¥213,182 | ¥51,163,575 | ¥11,663,575 |
| 20 | 2.80% | ¥215,132 | ¥51,631,793 | ¥12,131,793 |
| 20 | 2.90% | ¥217,094 | ¥52,102,554 | ¥12,602,554 |
| 20 | 3.00% | ¥219,066 | ¥52,575,852 | ¥13,075,852 |
3950万円｜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% | ¥231,231 | ¥41,621,543 | ¥2,121,543 |
| 15 | 0.80% | ¥232,947 | ¥41,930,538 | ¥2,430,538 |
| 15 | 0.90% | ¥234,672 | ¥42,241,011 | ¥2,741,011 |
| 15 | 1.00% | ¥236,405 | ¥42,552,960 | ¥3,052,960 |
| 15 | 1.10% | ¥238,147 | ¥42,866,385 | ¥3,366,385 |
| 15 | 1.20% | ¥239,896 | ¥43,181,286 | ¥3,681,286 |
| 15 | 1.30% | ¥241,654 | ¥43,497,661 | ¥3,997,661 |
| 15 | 1.40% | ¥243,419 | ¥43,815,509 | ¥4,315,509 |
| 15 | 1.50% | ¥245,193 | ¥44,134,829 | ¥4,634,829 |
| 15 | 1.60% | ¥246,976 | ¥44,455,620 | ¥4,955,620 |
| 15 | 1.70% | ¥248,766 | ¥44,777,881 | ¥5,277,881 |
| 15 | 1.80% | ¥250,564 | ¥45,101,610 | ¥5,601,610 |
| 15 | 1.90% | ¥252,371 | ¥45,426,806 | ¥5,926,806 |
| 15 | 2.00% | ¥254,186 | ¥45,753,469 | ¥6,253,469 |
| 15 | 2.10% | ¥256,009 | ¥46,081,595 | ¥6,581,595 |
| 15 | 2.20% | ¥257,840 | ¥46,411,184 | ¥6,911,184 |
| 15 | 2.30% | ¥259,679 | ¥46,742,235 | ¥7,242,235 |
| 15 | 2.40% | ¥261,526 | ¥47,074,745 | ¥7,574,745 |
| 15 | 2.50% | ¥263,382 | ¥47,408,713 | ¥7,908,713 |
| 15 | 2.60% | ¥265,245 | ¥47,744,137 | ¥8,244,137 |
| 15 | 2.70% | ¥267,117 | ¥48,081,015 | ¥8,581,015 |
| 15 | 2.80% | ¥268,996 | ¥48,419,345 | ¥8,919,345 |
| 15 | 2.90% | ¥270,884 | ¥48,759,126 | ¥9,259,126 |
| 15 | 3.00% | ¥272,780 | ¥49,100,355 | ¥9,600,355 |
3950万円｜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% | ¥340,918 | ¥40,910,143 | ¥1,410,143 |
| 10 | 0.80% | ¥342,619 | ¥41,114,223 | ¥1,614,223 |
| 10 | 0.90% | ¥344,325 | ¥41,318,960 | ¥1,818,960 |
| 10 | 1.00% | ¥346,036 | ¥41,524,354 | ¥2,024,354 |
| 10 | 1.10% | ¥347,753 | ¥41,730,404 | ¥2,230,404 |
| 10 | 1.20% | ¥349,476 | ¥41,937,112 | ¥2,437,112 |
| 10 | 1.30% | ¥351,204 | ¥42,144,475 | ¥2,644,475 |
| 10 | 1.40% | ¥352,937 | ¥42,352,495 | ¥2,852,495 |
| 10 | 1.50% | ¥354,676 | ¥42,561,171 | ¥3,061,171 |
| 10 | 1.60% | ¥356,421 | ¥42,770,502 | ¥3,270,502 |
| 10 | 1.70% | ¥358,171 | ¥42,980,489 | ¥3,480,489 |
| 10 | 1.80% | ¥359,926 | ¥43,191,130 | ¥3,691,130 |
| 10 | 1.90% | ¥361,687 | ¥43,402,427 | ¥3,902,427 |
| 10 | 2.00% | ¥363,453 | ¥43,614,377 | ¥4,114,377 |
| 10 | 2.10% | ¥365,225 | ¥43,826,982 | ¥4,326,982 |
| 10 | 2.20% | ¥367,002 | ¥44,040,240 | ¥4,540,240 |
| 10 | 2.30% | ¥368,785 | ¥44,254,152 | ¥4,754,152 |
| 10 | 2.40% | ¥370,573 | ¥44,468,716 | ¥4,968,716 |
| 10 | 2.50% | ¥372,366 | ¥44,683,933 | ¥5,183,933 |
| 10 | 2.60% | ¥374,165 | ¥44,899,803 | ¥5,399,803 |
| 10 | 2.70% | ¥375,969 | ¥45,116,324 | ¥5,616,324 |
| 10 | 2.80% | ¥377,779 | ¥45,333,496 | ¥5,833,496 |
| 10 | 2.90% | ¥379,594 | ¥45,551,319 | ¥6,051,319 |
| 10 | 3.00% | ¥381,415 | ¥45,769,793 | ¥6,269,793 |
