3970万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。3970万円の住宅ローンが、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。
3970万円の住宅ローン｜期間・年数別
3970万円｜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% |
¥78,439 |
¥47,063,406 |
¥7,363,406 |
| 50 |
0.80% |
¥80,302 |
¥48,180,984 |
¥8,480,984 |
| 50 |
0.90% |
¥82,191 |
¥49,314,824 |
¥9,614,824 |
| 50 |
1.00% |
¥84,108 |
¥50,464,857 |
¥10,764,857 |
| 50 |
1.10% |
¥86,052 |
¥51,631,003 |
¥11,931,003 |
| 50 |
1.20% |
¥88,022 |
¥52,813,177 |
¥13,113,177 |
| 50 |
1.30% |
¥90,019 |
¥54,011,286 |
¥14,311,286 |
| 50 |
1.40% |
¥92,042 |
¥55,225,229 |
¥15,525,229 |
| 50 |
1.50% |
¥94,091 |
¥56,454,899 |
¥16,754,899 |
| 50 |
1.60% |
¥96,167 |
¥57,700,182 |
¥18,000,182 |
| 50 |
1.70% |
¥98,268 |
¥58,960,956 |
¥19,260,956 |
| 50 |
1.80% |
¥100,395 |
¥60,237,096 |
¥20,537,096 |
| 50 |
1.90% |
¥102,547 |
¥61,528,466 |
¥21,828,466 |
| 50 |
2.00% |
¥104,725 |
¥62,834,928 |
¥23,134,928 |
| 50 |
2.10% |
¥106,927 |
¥64,156,336 |
¥24,456,336 |
| 50 |
2.20% |
¥109,154 |
¥65,492,539 |
¥25,792,539 |
| 50 |
2.30% |
¥111,406 |
¥66,843,381 |
¥27,143,381 |
| 50 |
2.40% |
¥113,681 |
¥68,208,701 |
¥28,508,701 |
| 50 |
2.50% |
¥115,981 |
¥69,588,332 |
¥29,888,332 |
| 50 |
2.60% |
¥118,304 |
¥70,982,104 |
¥31,282,104 |
| 50 |
2.70% |
¥120,650 |
¥72,389,842 |
¥32,689,842 |
| 50 |
2.80% |
¥123,019 |
¥73,811,366 |
¥34,111,366 |
| 50 |
2.90% |
¥125,411 |
¥75,246,494 |
¥35,546,494 |
| 50 |
3.00% |
¥127,825 |
¥76,695,040 |
¥36,995,040 |
3970万円｜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% |
¥85,726 |
¥46,291,961 |
¥6,591,961 |
| 45 |
0.80% |
¥87,568 |
¥47,286,927 |
¥7,586,927 |
| 45 |
0.90% |
¥89,435 |
¥48,295,106 |
¥8,595,106 |
| 45 |
1.00% |
¥91,327 |
¥49,316,450 |
¥9,616,450 |
| 45 |
1.10% |
¥93,242 |
¥50,350,909 |
¥10,650,909 |
| 45 |
1.20% |
¥95,182 |
¥51,398,425 |
¥11,698,425 |
| 45 |
1.30% |
¥97,146 |
¥52,458,937 |
¥12,758,937 |
| 45 |
1.40% |
¥99,134 |
¥53,532,376 |
¥13,832,376 |
| 45 |
1.50% |
¥101,146 |
¥54,618,673 |
¥14,918,673 |
| 45 |
1.60% |
¥103,181 |
¥55,717,750 |
¥16,017,750 |
| 45 |
1.70% |
¥105,240 |
¥56,829,528 |
¥17,129,528 |
| 45 |
1.80% |
¥107,322 |
¥57,953,920 |
¥18,253,920 |
| 45 |
1.90% |
¥109,427 |
¥59,090,838 |
¥19,390,838 |
| 45 |
2.00% |
¥111,556 |
¥60,240,188 |
¥20,540,188 |
| 45 |
2.10% |
¥113,707 |
¥61,401,873 |
¥21,701,873 |
| 45 |
2.20% |
¥115,881 |
¥62,575,790 |
¥22,875,790 |
| 45 |
2.30% |
¥118,077 |
¥63,761,834 |
¥24,061,834 |
| 45 |
2.40% |
¥120,296 |
¥64,959,896 |
¥25,259,896 |
| 45 |
2.50% |
¥122,537 |
¥66,169,864 |
¥26,469,864 |
| 45 |
2.60% |
¥124,799 |
¥67,391,621 |
¥27,691,621 |
| 45 |
2.70% |
¥127,083 |
¥68,625,048 |
¥28,925,048 |
| 45 |
2.80% |
¥129,389 |
¥69,870,023 |
¥30,170,023 |
| 45 |
2.90% |
¥131,716 |
¥71,126,421 |
¥31,426,421 |
| 45 |
3.00% |
¥134,063 |
¥72,394,113 |
¥32,694,113 |
3970万円｜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% |
¥94,851 |
¥45,528,538 |
¥5,828,538 |
| 40 |
0.80% |
¥96,674 |
¥46,403,316 |
¥6,703,316 |
| 40 |
0.90% |
¥98,518 |
¥47,288,563 |
¥7,588,563 |
| 40 |
1.00% |
¥100,384 |
¥48,184,248 |
¥8,484,248 |
| 40 |
1.10% |
¥102,272 |
¥49,090,339 |
¥9,390,339 |
| 40 |
1.20% |
¥104,181 |
¥50,006,799 |
¥10,306,799 |
| 40 |
1.30% |
¥106,112 |
¥50,933,590 |
¥11,233,590 |
| 40 |
1.40% |
¥108,064 |
¥51,870,669 |
¥12,170,669 |
| 40 |
1.50% |
¥110,037 |
¥52,817,991 |
¥13,117,991 |
| 40 |
1.60% |
¥112,032 |
¥53,775,508 |
¥14,075,508 |
| 40 |
1.70% |
¥114,048 |
¥54,743,168 |
¥15,043,168 |
| 40 |
1.80% |
¥116,085 |
¥55,720,918 |
¥16,020,918 |
| 40 |
1.90% |
¥118,143 |
¥56,708,699 |
¥17,008,699 |
| 40 |
2.00% |
¥120,222 |
¥57,706,454 |
¥18,006,454 |
| 40 |
2.10% |
¥122,321 |
¥58,714,118 |
¥19,014,118 |
| 40 |
2.20% |
¥124,441 |
¥59,731,628 |
¥20,031,628 |
| 40 |
2.30% |
¥126,581 |
¥60,758,915 |
¥21,058,915 |
| 40 |
2.40% |
¥128,741 |
¥61,795,910 |
¥22,095,910 |
| 40 |
2.50% |
¥130,922 |
¥62,842,539 |
¥23,142,539 |
| 40 |
2.60% |
¥133,122 |
¥63,898,728 |
¥24,198,728 |
| 40 |
2.70% |
¥135,343 |
¥64,964,401 |
¥25,264,401 |
| 40 |
2.80% |
¥137,582 |
¥66,039,477 |
¥26,339,477 |
| 40 |
2.90% |
¥139,841 |
¥67,123,875 |
¥27,423,875 |
| 40 |
3.00% |
¥142,120 |
¥68,217,511 |
¥28,517,511 |
3970万円｜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% |
¥106,603 |
¥44,773,155 |
¥5,073,155 |
| 35 |
0.80% |
¥108,405 |
¥45,530,181 |
¥5,830,181 |
| 35 |
0.90% |
¥110,227 |
¥46,295,241 |
¥6,595,241 |
| 35 |
1.00% |
¥112,067 |
¥47,068,317 |
¥7,368,317 |
| 35 |
1.10% |
¥113,927 |
¥47,849,391 |
¥8,149,391 |
| 35 |
1.20% |
¥115,806 |
¥48,638,439 |
¥8,938,439 |
| 35 |
1.30% |
¥117,703 |
¥49,435,439 |
¥9,735,439 |
| 35 |
1.40% |
¥119,620 |
¥50,240,367 |
¥10,540,367 |
| 35 |
1.50% |
¥121,555 |
¥51,053,193 |
¥11,353,193 |
| 35 |
1.60% |
¥123,509 |
¥51,873,891 |
¥12,173,891 |
| 35 |
1.70% |
¥125,482 |
¥52,702,430 |
¥13,002,430 |
| 35 |
1.80% |
¥127,473 |
¥53,538,776 |
¥13,838,776 |
| 35 |
1.90% |
¥129,483 |
¥54,382,896 |
¥14,682,896 |
| 35 |
2.00% |
¥131,511 |
¥55,234,754 |
¥15,534,754 |
| 35 |
2.10% |
¥133,558 |
¥56,094,313 |
¥16,394,313 |
| 35 |
2.20% |
¥135,623 |
¥56,961,534 |
¥17,261,534 |
| 35 |
2.30% |
¥137,706 |
¥57,836,376 |
¥18,136,376 |
| 35 |
2.40% |
¥139,807 |
¥58,718,797 |
¥19,018,797 |
| 35 |
2.50% |
¥141,926 |
¥59,608,752 |
¥19,908,752 |
| 35 |
2.60% |
¥144,062 |
¥60,506,198 |
¥20,806,198 |
| 35 |
2.70% |
¥146,217 |
¥61,411,086 |
¥21,711,086 |
| 35 |
2.80% |
¥148,389 |
¥62,323,369 |
¥22,623,369 |
| 35 |
2.90% |
¥150,579 |
¥63,242,998 |
¥23,542,998 |
| 35 |
3.00% |
¥152,786 |
¥64,169,921 |
¥24,469,921 |
3970万円｜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% |
¥122,294 |
¥44,025,826 |
¥4,325,826 |
| 30 |
0.80% |
¥124,077 |
¥44,667,546 |
¥4,967,546 |
| 30 |
0.90% |
¥125,876 |
¥45,315,181 |
¥5,615,181 |
| 30 |
1.00% |
¥127,691 |
¥45,968,720 |
¥6,268,720 |
| 30 |
1.10% |
¥129,523 |
¥46,628,154 |
¥6,928,154 |
| 30 |
1.20% |
¥131,371 |
¥47,293,471 |
¥7,593,471 |
| 30 |
1.30% |
¥133,235 |
¥47,964,656 |
¥8,264,656 |
| 30 |
1.40% |
¥135,116 |
¥48,641,698 |
¥8,941,698 |
| 30 |
1.50% |
¥137,013 |
¥49,324,580 |
¥9,624,580 |
| 30 |
1.60% |
¥138,926 |
¥50,013,288 |
¥10,313,288 |
| 30 |
1.70% |
¥140,855 |
¥50,707,803 |
¥11,007,803 |
| 30 |
1.80% |
¥142,800 |
¥51,408,109 |
¥11,708,109 |
| 30 |
1.90% |
¥144,762 |
¥52,114,186 |
¥12,414,186 |
| 30 |
2.00% |
¥146,739 |
¥52,826,015 |
¥13,126,015 |
| 30 |
2.10% |
¥148,732 |
¥53,543,575 |
¥13,843,575 |
| 30 |
2.20% |
¥150,741 |
¥54,266,844 |
¥14,566,844 |
| 30 |
2.30% |
¥152,766 |
¥54,995,800 |
¥15,295,800 |
| 30 |
2.40% |
¥154,807 |
¥55,730,420 |
¥16,030,420 |
| 30 |
2.50% |
¥156,863 |
¥56,470,679 |
¥16,770,679 |
| 30 |
2.60% |
¥158,935 |
¥57,216,552 |
¥17,516,552 |
| 30 |
2.70% |
¥161,022 |
¥57,968,012 |
¥18,268,012 |
| 30 |
2.80% |
¥163,125 |
¥58,725,034 |
¥19,025,034 |
| 30 |
2.90% |
¥165,243 |
¥59,487,589 |
¥19,787,589 |
| 30 |
3.00% |
¥167,377 |
¥60,255,649 |
¥20,555,649 |
3970万円｜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% |
¥144,289 |
¥43,286,565 |
¥3,586,565 |
| 25 |
0.80% |
¥146,051 |
¥43,815,433 |
¥4,115,433 |
| 25 |
0.90% |
¥147,828 |
¥44,348,416 |
¥4,648,416 |
| 25 |
1.00% |
¥149,618 |
¥44,885,509 |
¥5,185,509 |
| 25 |
1.10% |
¥151,422 |
¥45,426,707 |
¥5,726,707 |
| 25 |
1.20% |
¥153,240 |
¥45,972,003 |
¥6,272,003 |
| 25 |
1.30% |
¥155,071 |
¥46,521,391 |
¥6,821,391 |
| 25 |
1.40% |
¥156,916 |
¥47,074,865 |
¥7,374,865 |
| 25 |
1.50% |
¥158,775 |
¥47,632,416 |
¥7,932,416 |
| 25 |
1.60% |
¥160,647 |
¥48,194,038 |
¥8,494,038 |
| 25 |
1.70% |
¥162,532 |
¥48,759,722 |
¥9,059,722 |
| 25 |
1.80% |
¥164,432 |
¥49,329,458 |
¥9,629,458 |
| 25 |
1.90% |
¥166,344 |
¥49,903,238 |
¥10,203,238 |
| 25 |
2.00% |
¥168,270 |
¥50,481,052 |
¥10,781,052 |
| 25 |
2.10% |
¥170,210 |
¥51,062,889 |
¥11,362,889 |
| 25 |
2.20% |
¥172,162 |
¥51,648,739 |
¥11,948,739 |
| 25 |
2.30% |
¥174,129 |
¥52,238,591 |
¥12,538,591 |
| 25 |
2.40% |
¥176,108 |
¥52,832,433 |
¥13,132,433 |
| 25 |
2.50% |
¥178,101 |
¥53,430,253 |
¥13,730,253 |
| 25 |
2.60% |
¥180,107 |
¥54,032,038 |
¥14,332,038 |
| 25 |
2.70% |
¥182,126 |
¥54,637,776 |
¥14,937,776 |
| 25 |
2.80% |
¥184,158 |
¥55,247,453 |
¥15,547,453 |
| 25 |
2.90% |
¥186,204 |
¥55,861,055 |
¥16,161,055 |
| 25 |
3.00% |
¥188,262 |
¥56,478,567 |
¥16,778,567 |
3970万円｜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% |
¥177,314 |
¥42,555,381 |
¥2,855,381 |
| 20 |
0.80% |
¥179,058 |
¥42,973,861 |
¥3,273,861 |
| 20 |
0.90% |
¥180,812 |
¥43,394,978 |
¥3,694,978 |
| 20 |
1.00% |
¥182,578 |
¥43,818,730 |
¥4,118,730 |
| 20 |
1.10% |
¥184,355 |
¥44,245,114 |
¥4,545,114 |
| 20 |
1.20% |
¥186,142 |
¥44,674,129 |
¥4,974,129 |
| 20 |
1.30% |
¥187,941 |
¥45,105,771 |
¥5,405,771 |
| 20 |
1.40% |
¥189,750 |
¥45,540,038 |
¥5,840,038 |
| 20 |
1.50% |
¥191,571 |
¥45,976,927 |
¥6,276,927 |
| 20 |
1.60% |
¥193,402 |
¥46,416,433 |
¥6,716,433 |
| 20 |
1.70% |
¥195,244 |
¥46,858,554 |
¥7,158,554 |
| 20 |
1.80% |
¥197,097 |
¥47,303,285 |
¥7,603,285 |
| 20 |
1.90% |
¥198,961 |
¥47,750,623 |
¥8,050,623 |
| 20 |
2.00% |
¥200,836 |
¥48,200,564 |
¥8,500,564 |
| 20 |
2.10% |
¥202,721 |
¥48,653,103 |
¥8,953,103 |
| 20 |
2.20% |
¥204,618 |
¥49,108,236 |
¥9,408,236 |
| 20 |
2.30% |
¥206,525 |
¥49,565,958 |
¥9,865,958 |
| 20 |
2.40% |
¥208,443 |
¥50,026,263 |
¥10,326,263 |
| 20 |
2.50% |
¥210,371 |
¥50,489,148 |
¥10,789,148 |
| 20 |
2.60% |
¥212,311 |
¥50,954,606 |
¥11,254,606 |
| 20 |
2.70% |
¥214,261 |
¥51,422,632 |
¥11,722,632 |
| 20 |
2.80% |
¥216,222 |
¥51,893,220 |
¥12,193,220 |
| 20 |
2.90% |
¥218,193 |
¥52,366,364 |
¥12,666,364 |
| 20 |
3.00% |
¥220,175 |
¥52,842,059 |
¥13,142,059 |
3970万円｜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% |
¥232,402 |
¥41,832,285 |
¥2,132,285 |
| 15 |
0.80% |
¥234,127 |
¥42,142,845 |
¥2,442,845 |
| 15 |
0.90% |
¥235,860 |
¥42,454,889 |
¥2,754,889 |
| 15 |
1.00% |
¥237,602 |
¥42,768,418 |
¥3,068,418 |
| 15 |
1.10% |
¥239,352 |
¥43,083,430 |
¥3,383,430 |
| 15 |
1.20% |
¥241,111 |
¥43,399,925 |
¥3,699,925 |
| 15 |
1.30% |
¥242,877 |
¥43,717,902 |
¥4,017,902 |
| 15 |
1.40% |
¥244,652 |
¥44,037,359 |
¥4,337,359 |
| 15 |
1.50% |
¥246,435 |
¥44,358,296 |
¥4,658,296 |
| 15 |
1.60% |
¥248,226 |
¥44,680,712 |
¥4,980,712 |
| 15 |
1.70% |
¥250,026 |
¥45,004,604 |
¥5,304,604 |
| 15 |
1.80% |
¥251,833 |
¥45,329,972 |
¥5,629,972 |
| 15 |
1.90% |
¥253,649 |
¥45,656,816 |
¥5,956,816 |
| 15 |
2.00% |
¥255,473 |
¥45,985,132 |
¥6,285,132 |
| 15 |
2.10% |
¥257,305 |
¥46,314,920 |
¥6,614,920 |
| 15 |
2.20% |
¥259,145 |
¥46,646,178 |
¥6,946,178 |
| 15 |
2.30% |
¥260,994 |
¥46,978,904 |
¥7,278,904 |
| 15 |
2.40% |
¥262,851 |
¥47,313,098 |
¥7,613,098 |
| 15 |
2.50% |
¥264,715 |
¥47,648,757 |
¥7,948,757 |
| 15 |
2.60% |
¥266,588 |
¥47,985,879 |
¥8,285,879 |
| 15 |
2.70% |
¥268,469 |
¥48,324,463 |
¥8,624,463 |
| 15 |
2.80% |
¥270,358 |
¥48,664,506 |
¥8,964,506 |
| 15 |
2.90% |
¥272,256 |
¥49,006,007 |
¥9,306,007 |
| 15 |
3.00% |
¥274,161 |
¥49,348,964 |
¥9,648,964 |
3970万円｜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% |
¥342,644 |
¥41,117,283 |
¥1,417,283 |
| 10 |
0.80% |
¥344,353 |
¥41,322,396 |
¥1,622,396 |
| 10 |
0.90% |
¥346,068 |
¥41,528,169 |
¥1,828,169 |
| 10 |
1.00% |
¥347,788 |
¥41,734,603 |
¥2,034,603 |
| 10 |
1.10% |
¥349,514 |
¥41,941,697 |
¥2,241,697 |
| 10 |
1.20% |
¥351,245 |
¥42,149,451 |
¥2,449,451 |
| 10 |
1.30% |
¥352,982 |
¥42,357,865 |
¥2,657,865 |
| 10 |
1.40% |
¥354,724 |
¥42,566,938 |
¥2,866,938 |
| 10 |
1.50% |
¥356,472 |
¥42,776,671 |
¥3,076,671 |
| 10 |
1.60% |
¥358,226 |
¥42,987,062 |
¥3,287,062 |
| 10 |
1.70% |
¥359,984 |
¥43,198,111 |
¥3,498,111 |
| 10 |
1.80% |
¥361,748 |
¥43,409,820 |
¥3,709,820 |
| 10 |
1.90% |
¥363,518 |
¥43,622,186 |
¥3,922,186 |
| 10 |
2.00% |
¥365,293 |
¥43,835,209 |
¥4,135,209 |
| 10 |
2.10% |
¥367,074 |
¥44,048,891 |
¥4,348,891 |
| 10 |
2.20% |
¥368,860 |
¥44,263,229 |
¥4,563,229 |
| 10 |
2.30% |
¥370,652 |
¥44,478,223 |
¥4,778,223 |
| 10 |
2.40% |
¥372,449 |
¥44,693,874 |
¥4,993,874 |
| 10 |
2.50% |
¥374,252 |
¥44,910,181 |
¥5,210,181 |
| 10 |
2.60% |
¥376,060 |
¥45,127,143 |
¥5,427,143 |
| 10 |
2.70% |
¥377,873 |
¥45,344,761 |
¥5,644,761 |
| 10 |
2.80% |
¥379,692 |
¥45,563,033 |
¥5,863,033 |
| 10 |
2.90% |
¥381,516 |
¥45,781,959 |
¥6,081,959 |
| 10 |
3.00% |
¥383,346 |
¥46,001,539 |
¥6,301,539 |
