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 |
