3960万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。3960万円の住宅ローンが、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。
3960万円の住宅ローン｜期間・年数別
3960万円｜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% | ¥78,241 | ¥46,944,859 | ¥7,344,859 |
| 50 | 0.80% | ¥80,099 | ¥48,059,621 | ¥8,459,621 |
| 50 | 0.90% | ¥81,984 | ¥49,190,606 | ¥9,590,606 |
| 50 | 1.00% | ¥83,896 | ¥50,337,741 | ¥10,737,741 |
| 50 | 1.10% | ¥85,835 | ¥51,500,950 | ¥11,900,950 |
| 50 | 1.20% | ¥87,800 | ¥52,680,146 | ¥13,080,146 |
| 50 | 1.30% | ¥89,792 | ¥53,875,237 | ¥14,275,237 |
| 50 | 1.40% | ¥91,810 | ¥55,086,122 | ¥15,486,122 |
| 50 | 1.50% | ¥93,854 | ¥56,312,695 | ¥16,712,695 |
| 50 | 1.60% | ¥95,925 | ¥57,554,841 | ¥17,954,841 |
| 50 | 1.70% | ¥98,021 | ¥58,812,440 | ¥19,212,440 |
| 50 | 1.80% | ¥100,142 | ¥60,085,365 | ¥20,485,365 |
| 50 | 1.90% | ¥102,289 | ¥61,373,482 | ¥21,773,482 |
| 50 | 2.00% | ¥104,461 | ¥62,676,653 | ¥23,076,653 |
| 50 | 2.10% | ¥106,658 | ¥63,994,733 | ¥24,394,733 |
| 50 | 2.20% | ¥108,879 | ¥65,327,570 | ¥25,727,570 |
| 50 | 2.30% | ¥111,125 | ¥66,675,010 | ¥27,075,010 |
| 50 | 2.40% | ¥113,395 | ¥68,036,890 | ¥28,436,890 |
| 50 | 2.50% | ¥115,688 | ¥69,413,046 | ¥29,813,046 |
| 50 | 2.60% | ¥118,006 | ¥70,803,308 | ¥31,203,308 |
| 50 | 2.70% | ¥120,346 | ¥72,207,500 | ¥32,607,500 |
| 50 | 2.80% | ¥122,709 | ¥73,625,443 | ¥34,025,443 |
| 50 | 2.90% | ¥125,095 | ¥75,056,957 | ¥35,456,957 |
| 50 | 3.00% | ¥127,503 | ¥76,501,854 | ¥36,901,854 |
3960万円｜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% | ¥85,510 | ¥46,175,356 | ¥6,575,356 |
| 45 | 0.80% | ¥87,348 | ¥47,167,816 | ¥7,567,816 |
| 45 | 0.90% | ¥89,210 | ¥48,173,455 | ¥8,573,455 |
| 45 | 1.00% | ¥91,097 | ¥49,192,228 | ¥9,592,228 |
| 45 | 1.10% | ¥93,008 | ¥50,224,081 | ¥10,624,081 |
| 45 | 1.20% | ¥94,943 | ¥51,268,958 | ¥11,668,958 |
| 45 | 1.30% | ¥96,901 | ¥52,326,798 | ¥12,726,798 |
| 45 | 1.40% | ¥98,884 | ¥53,397,534 | ¥13,797,534 |
| 45 | 1.50% | ¥100,891 | ¥54,481,094 | ¥14,881,094 |
| 45 | 1.60% | ¥102,921 | ¥55,577,403 | ¥15,977,403 |
| 45 | 1.70% | ¥104,975 | ¥56,686,380 | ¥17,086,380 |
| 45 | 1.80% | ¥107,052 | ¥57,807,940 | ¥18,207,940 |
| 45 | 1.90% | ¥109,152 | ¥58,941,995 | ¥19,341,995 |
| 45 | 2.00% | ¥111,275 | ¥60,088,450 | ¥20,488,450 |
| 45 | 2.10% | ¥113,421 | ¥61,247,208 | ¥21,647,208 |
| 45 | 2.20% | ¥115,589 | ¥62,418,168 | ¥22,818,168 |
| 45 | 2.30% | ¥117,780 | ¥63,601,225 | ¥24,001,225 |
| 45 | 2.40% | ¥119,993 | ¥64,796,269 | ¥25,196,269 |
| 45 | 2.50% | ¥122,228 | ¥66,003,189 | ¥26,403,189 |
| 45 | 2.60% | ¥124,485 | ¥67,221,869 | ¥27,621,869 |
| 45 | 2.70% | ¥126,763 | ¥68,452,189 | ¥28,852,189 |
| 45 | 2.80% | ¥129,063 | ¥69,694,028 | ¥30,094,028 |
| 45 | 2.90% | ¥131,384 | ¥70,947,261 | ¥31,347,261 |
| 45 | 3.00% | ¥133,725 | ¥72,211,760 | ¥32,611,760 |
3960万円｜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% | ¥94,612 | ¥45,413,856 | ¥5,813,856 |
| 40 | 0.80% | ¥96,430 | ¥46,286,431 | ¥6,686,431 |
| 40 | 0.90% | ¥98,270 | ¥47,169,448 | ¥7,569,448 |
| 40 | 1.00% | ¥100,131 | ¥48,062,877 | ¥8,462,877 |
| 40 | 1.10% | ¥102,014 | ¥48,966,685 | ¥9,366,685 |
| 40 | 1.20% | ¥103,918 | ¥49,880,837 | ¥10,280,837 |
| 40 | 1.30% | ¥105,844 | ¥50,805,294 | ¥11,205,294 |
| 40 | 1.40% | ¥107,792 | ¥51,740,013 | ¥12,140,013 |
| 40 | 1.50% | ¥109,760 | ¥52,684,949 | ¥13,084,949 |
| 40 | 1.60% | ¥111,750 | ¥53,640,054 | ¥14,040,054 |
| 40 | 1.70% | ¥113,761 | ¥54,605,276 | ¥15,005,276 |
| 40 | 1.80% | ¥115,793 | ¥55,580,563 | ¥15,980,563 |
| 40 | 1.90% | ¥117,846 | ¥56,565,856 | ¥16,965,856 |
| 40 | 2.00% | ¥119,919 | ¥57,561,097 | ¥17,961,097 |
| 40 | 2.10% | ¥122,013 | ¥58,566,224 | ¥18,966,224 |
| 40 | 2.20% | ¥124,127 | ¥59,581,170 | ¥19,981,170 |
| 40 | 2.30% | ¥126,262 | ¥60,605,870 | ¥21,005,870 |
| 40 | 2.40% | ¥128,417 | ¥61,640,252 | ¥22,040,252 |
| 40 | 2.50% | ¥130,592 | ¥62,684,245 | ¥23,084,245 |
| 40 | 2.60% | ¥132,787 | ¥63,737,774 | ¥24,137,774 |
| 40 | 2.70% | ¥135,002 | ¥64,800,763 | ¥25,200,763 |
| 40 | 2.80% | ¥137,236 | ¥65,873,130 | ¥26,273,130 |
| 40 | 2.90% | ¥139,489 | ¥66,954,797 | ¥27,354,797 |
| 40 | 3.00% | ¥141,762 | ¥68,045,679 | ¥28,445,679 |
3960万円｜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% | ¥106,334 | ¥44,660,376 | ¥5,060,376 |
| 35 | 0.80% | ¥108,132 | ¥45,415,495 | ¥5,815,495 |
| 35 | 0.90% | ¥109,949 | ¥46,178,628 | ¥6,578,628 |
| 35 | 1.00% | ¥111,785 | ¥46,949,757 | ¥7,349,757 |
| 35 | 1.10% | ¥113,640 | ¥47,728,863 | ¥8,128,863 |
| 35 | 1.20% | ¥115,514 | ¥48,515,924 | ¥8,915,924 |
| 35 | 1.30% | ¥117,407 | ¥49,310,917 | ¥9,710,917 |
| 35 | 1.40% | ¥119,319 | ¥50,113,817 | ¥10,513,817 |
| 35 | 1.50% | ¥121,249 | ¥50,924,596 | ¥11,324,596 |
| 35 | 1.60% | ¥123,198 | ¥51,743,227 | ¥12,143,227 |
| 35 | 1.70% | ¥125,166 | ¥52,569,678 | ¥12,969,678 |
| 35 | 1.80% | ¥127,152 | ¥53,403,917 | ¥13,803,917 |
| 35 | 1.90% | ¥129,157 | ¥54,245,911 | ¥14,645,911 |
| 35 | 2.00% | ¥131,180 | ¥55,095,624 | ¥15,495,624 |
| 35 | 2.10% | ¥133,221 | ¥55,953,018 | ¥16,353,018 |
| 35 | 2.20% | ¥135,281 | ¥56,818,054 | ¥17,218,054 |
| 35 | 2.30% | ¥137,359 | ¥57,690,692 | ¥18,090,692 |
| 35 | 2.40% | ¥139,455 | ¥58,570,890 | ¥18,970,890 |
| 35 | 2.50% | ¥141,568 | ¥59,458,604 | ¥19,858,604 |
| 35 | 2.60% | ¥143,699 | ¥60,353,789 | ¥20,753,789 |
| 35 | 2.70% | ¥145,849 | ¥61,256,398 | ¥21,656,398 |
| 35 | 2.80% | ¥148,015 | ¥62,166,383 | ¥22,566,383 |
| 35 | 2.90% | ¥150,199 | ¥63,083,695 | ¥23,483,695 |
| 35 | 3.00% | ¥152,401 | ¥64,008,284 | ¥24,408,284 |
3960万円｜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% | ¥121,986 | ¥43,914,930 | ¥4,314,930 |
| 30 | 0.80% | ¥123,764 | ¥44,555,033 | ¥4,955,033 |
| 30 | 0.90% | ¥125,558 | ¥45,201,037 | ¥5,601,037 |
| 30 | 1.00% | ¥127,369 | ¥45,852,930 | ¥6,252,930 |
| 30 | 1.10% | ¥129,196 | ¥46,510,703 | ¥6,910,703 |
| 30 | 1.20% | ¥131,040 | ¥47,174,343 | ¥7,574,343 |
| 30 | 1.30% | ¥132,900 | ¥47,843,839 | ¥8,243,839 |
| 30 | 1.40% | ¥134,775 | ¥48,519,175 | ¥8,919,175 |
| 30 | 1.50% | ¥136,668 | ¥49,200,337 | ¥9,600,337 |
| 30 | 1.60% | ¥138,576 | ¥49,887,310 | ¥10,287,310 |
| 30 | 1.70% | ¥140,500 | ¥50,580,076 | ¥10,980,076 |
| 30 | 1.80% | ¥142,441 | ¥51,278,618 | ¥11,678,618 |
| 30 | 1.90% | ¥144,397 | ¥51,982,916 | ¥12,382,916 |
| 30 | 2.00% | ¥146,369 | ¥52,692,952 | ¥13,092,952 |
| 30 | 2.10% | ¥148,358 | ¥53,408,704 | ¥13,808,704 |
| 30 | 2.20% | ¥150,362 | ¥54,130,152 | ¥14,530,152 |
| 30 | 2.30% | ¥152,381 | ¥54,857,272 | ¥15,257,272 |
| 30 | 2.40% | ¥154,417 | ¥55,590,041 | ¥15,990,041 |
| 30 | 2.50% | ¥156,468 | ¥56,328,435 | ¥16,728,435 |
| 30 | 2.60% | ¥158,535 | ¥57,072,429 | ¥17,472,429 |
| 30 | 2.70% | ¥160,617 | ¥57,821,997 | ¥18,221,997 |
| 30 | 2.80% | ¥162,714 | ¥58,577,112 | ¥18,977,112 |
| 30 | 2.90% | ¥164,827 | ¥59,337,746 | ¥19,737,746 |
| 30 | 3.00% | ¥166,955 | ¥60,103,871 | ¥20,503,871 |
3960万円｜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% | ¥143,925 | ¥43,177,530 | ¥3,577,530 |
| 25 | 0.80% | ¥145,684 | ¥43,705,067 | ¥4,105,067 |
| 25 | 0.90% | ¥147,456 | ¥44,236,707 | ¥4,636,707 |
| 25 | 1.00% | ¥149,241 | ¥44,772,448 | ¥5,172,448 |
| 25 | 1.10% | ¥151,041 | ¥45,312,282 | ¥5,712,282 |
| 25 | 1.20% | ¥152,854 | ¥45,856,204 | ¥6,256,204 |
| 25 | 1.30% | ¥154,681 | ¥46,404,209 | ¥6,804,209 |
| 25 | 1.40% | ¥156,521 | ¥46,956,288 | ¥7,356,288 |
| 25 | 1.50% | ¥158,375 | ¥47,512,436 | ¥7,912,436 |
| 25 | 1.60% | ¥160,242 | ¥48,072,643 | ¥8,472,643 |
| 25 | 1.70% | ¥162,123 | ¥48,636,901 | ¥9,036,901 |
| 25 | 1.80% | ¥164,017 | ¥49,205,202 | ¥9,605,202 |
| 25 | 1.90% | ¥165,925 | ¥49,777,537 | ¥10,177,537 |
| 25 | 2.00% | ¥167,846 | ¥50,353,895 | ¥10,753,895 |
| 25 | 2.10% | ¥169,781 | ¥50,934,267 | ¥11,334,267 |
| 25 | 2.20% | ¥171,729 | ¥51,518,642 | ¥11,918,642 |
| 25 | 2.30% | ¥173,690 | ¥52,107,008 | ¥12,507,008 |
| 25 | 2.40% | ¥175,665 | ¥52,699,354 | ¥13,099,354 |
| 25 | 2.50% | ¥177,652 | ¥53,295,668 | ¥13,695,668 |
| 25 | 2.60% | ¥179,653 | ¥53,895,937 | ¥14,295,937 |
| 25 | 2.70% | ¥181,667 | ¥54,500,149 | ¥14,900,149 |
| 25 | 2.80% | ¥183,694 | ¥55,108,290 | ¥15,508,290 |
| 25 | 2.90% | ¥185,734 | ¥55,720,347 | ¥16,120,347 |
| 25 | 3.00% | ¥187,788 | ¥56,336,304 | ¥16,736,304 |
3960万円｜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% | ¥176,867 | ¥42,448,189 | ¥2,848,189 |
| 20 | 0.80% | ¥178,607 | ¥42,865,614 | ¥3,265,614 |
| 20 | 0.90% | ¥180,357 | ¥43,285,670 | ¥3,685,670 |
| 20 | 1.00% | ¥182,118 | ¥43,708,355 | ¥4,108,355 |
| 20 | 1.10% | ¥183,890 | ¥44,133,666 | ¥4,533,666 |
| 20 | 1.20% | ¥185,673 | ¥44,561,600 | ¥4,961,600 |
| 20 | 1.30% | ¥187,467 | ¥44,992,155 | ¥5,392,155 |
| 20 | 1.40% | ¥189,272 | ¥45,425,328 | ¥5,825,328 |
| 20 | 1.50% | ¥191,088 | ¥45,861,116 | ¥6,261,116 |
| 20 | 1.60% | ¥192,915 | ¥46,299,515 | ¥6,699,515 |
| 20 | 1.70% | ¥194,752 | ¥46,740,522 | ¥7,140,522 |
| 20 | 1.80% | ¥196,601 | ¥47,184,133 | ¥7,584,133 |
| 20 | 1.90% | ¥198,460 | ¥47,630,345 | ¥8,030,345 |
| 20 | 2.00% | ¥200,330 | ¥48,079,152 | ¥8,479,152 |
| 20 | 2.10% | ¥202,211 | ¥48,530,551 | ¥8,930,551 |
| 20 | 2.20% | ¥204,102 | ¥48,984,538 | ¥9,384,538 |
| 20 | 2.30% | ¥206,005 | ¥49,441,106 | ¥9,841,106 |
| 20 | 2.40% | ¥207,918 | ¥49,900,252 | ¥10,300,252 |
| 20 | 2.50% | ¥209,842 | ¥50,361,971 | ¥10,761,971 |
| 20 | 2.60% | ¥211,776 | ¥50,826,256 | ¥11,226,256 |
| 20 | 2.70% | ¥213,721 | ¥51,293,103 | ¥11,693,103 |
| 20 | 2.80% | ¥215,677 | ¥51,762,506 | ¥12,162,506 |
| 20 | 2.90% | ¥217,644 | ¥52,234,459 | ¥12,634,459 |
| 20 | 3.00% | ¥219,621 | ¥52,708,956 | ¥13,108,956 |
3960万円｜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% | ¥231,816 | ¥41,726,914 | ¥2,126,914 |
| 15 | 0.80% | ¥233,537 | ¥42,036,691 | ¥2,436,691 |
| 15 | 0.90% | ¥235,266 | ¥42,347,950 | ¥2,747,950 |
| 15 | 1.00% | ¥237,004 | ¥42,660,689 | ¥3,060,689 |
| 15 | 1.10% | ¥238,749 | ¥42,974,908 | ¥3,374,908 |
| 15 | 1.20% | ¥240,503 | ¥43,290,606 | ¥3,690,606 |
| 15 | 1.30% | ¥242,265 | ¥43,607,781 | ¥4,007,781 |
| 15 | 1.40% | ¥244,036 | ¥43,926,434 | ¥4,326,434 |
| 15 | 1.50% | ¥245,814 | ¥44,246,562 | ¥4,646,562 |
| 15 | 1.60% | ¥247,601 | ¥44,568,166 | ¥4,968,166 |
| 15 | 1.70% | ¥249,396 | ¥44,891,242 | ¥5,291,242 |
| 15 | 1.80% | ¥251,199 | ¥45,215,791 | ¥5,615,791 |
| 15 | 1.90% | ¥253,010 | ¥45,541,811 | ¥5,941,811 |
| 15 | 2.00% | ¥254,829 | ¥45,869,300 | ¥6,269,300 |
| 15 | 2.10% | ¥256,657 | ¥46,198,257 | ¥6,598,257 |
| 15 | 2.20% | ¥258,493 | ¥46,528,681 | ¥6,928,681 |
| 15 | 2.30% | ¥260,336 | ¥46,860,570 | ¥7,260,570 |
| 15 | 2.40% | ¥262,188 | ¥47,193,922 | ¥7,593,922 |
| 15 | 2.50% | ¥264,049 | ¥47,528,735 | ¥7,928,735 |
| 15 | 2.60% | ¥265,917 | ¥47,865,008 | ¥8,265,008 |
| 15 | 2.70% | ¥267,793 | ¥48,202,739 | ¥8,602,739 |
| 15 | 2.80% | ¥269,677 | ¥48,541,926 | ¥8,941,926 |
| 15 | 2.90% | ¥271,570 | ¥48,882,566 | ¥9,282,566 |
| 15 | 3.00% | ¥273,470 | ¥49,224,659 | ¥9,624,659 |
3960万円｜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% | ¥341,781 | ¥41,013,713 | ¥1,413,713 |
| 10 | 0.80% | ¥343,486 | ¥41,218,309 | ¥1,618,309 |
| 10 | 0.90% | ¥345,196 | ¥41,423,565 | ¥1,823,565 |
| 10 | 1.00% | ¥346,912 | ¥41,629,478 | ¥2,029,478 |
| 10 | 1.10% | ¥348,634 | ¥41,836,051 | ¥2,236,051 |
| 10 | 1.20% | ¥350,361 | ¥42,043,282 | ¥2,443,282 |
| 10 | 1.30% | ¥352,093 | ¥42,251,170 | ¥2,651,170 |
| 10 | 1.40% | ¥353,831 | ¥42,459,717 | ¥2,859,717 |
| 10 | 1.50% | ¥355,574 | ¥42,668,921 | ¥3,068,921 |
| 10 | 1.60% | ¥357,323 | ¥42,878,782 | ¥3,278,782 |
| 10 | 1.70% | ¥359,078 | ¥43,089,300 | ¥3,489,300 |
| 10 | 1.80% | ¥360,837 | ¥43,300,475 | ¥3,700,475 |
| 10 | 1.90% | ¥362,603 | ¥43,512,306 | ¥3,912,306 |
| 10 | 2.00% | ¥364,373 | ¥43,724,793 | ¥4,124,793 |
| 10 | 2.10% | ¥366,149 | ¥43,937,936 | ¥4,337,936 |
| 10 | 2.20% | ¥367,931 | ¥44,151,734 | ¥4,551,734 |
| 10 | 2.30% | ¥369,718 | ¥44,366,188 | ¥4,766,188 |
| 10 | 2.40% | ¥371,511 | ¥44,581,295 | ¥4,981,295 |
| 10 | 2.50% | ¥373,309 | ¥44,797,057 | ¥5,197,057 |
| 10 | 2.60% | ¥375,112 | ¥45,013,473 | ¥5,413,473 |
| 10 | 2.70% | ¥376,921 | ¥45,230,542 | ¥5,630,542 |
| 10 | 2.80% | ¥378,736 | ¥45,448,264 | ¥5,848,264 |
| 10 | 2.90% | ¥380,555 | ¥45,666,639 | ¥6,066,639 |
| 10 | 3.00% | ¥382,381 | ¥45,885,666 | ¥6,285,666 |
