3980万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。3980万円の住宅ローンが、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。
3980万円の住宅ローン｜期間・年数別
3980万円｜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% | ¥78,637 | ¥47,181,954 | ¥7,381,954 |
| 50 | 0.80% | ¥80,504 | ¥48,302,347 | ¥8,502,347 |
| 50 | 0.90% | ¥82,398 | ¥49,439,043 | ¥9,639,043 |
| 50 | 1.00% | ¥84,320 | ¥50,591,972 | ¥10,791,972 |
| 50 | 1.10% | ¥86,268 | ¥51,761,056 | ¥11,961,056 |
| 50 | 1.20% | ¥88,244 | ¥52,946,208 | ¥13,146,208 |
| 50 | 1.30% | ¥90,246 | ¥54,147,334 | ¥14,347,334 |
| 50 | 1.40% | ¥92,274 | ¥55,364,335 | ¥15,564,335 |
| 50 | 1.50% | ¥94,329 | ¥56,597,103 | ¥16,797,103 |
| 50 | 1.60% | ¥96,409 | ¥57,845,522 | ¥18,045,522 |
| 50 | 1.70% | ¥98,516 | ¥59,109,473 | ¥19,309,473 |
| 50 | 1.80% | ¥100,648 | ¥60,388,826 | ¥20,588,826 |
| 50 | 1.90% | ¥102,806 | ¥61,683,450 | ¥21,883,450 |
| 50 | 2.00% | ¥104,989 | ¥62,993,202 | ¥23,193,202 |
| 50 | 2.10% | ¥107,197 | ¥64,317,939 | ¥24,517,939 |
| 50 | 2.20% | ¥109,429 | ¥65,657,507 | ¥25,857,507 |
| 50 | 2.30% | ¥111,686 | ¥67,011,752 | ¥27,211,752 |
| 50 | 2.40% | ¥113,968 | ¥68,380,511 | ¥28,580,511 |
| 50 | 2.50% | ¥116,273 | ¥69,763,617 | ¥29,963,617 |
| 50 | 2.60% | ¥118,602 | ¥71,160,900 | ¥31,360,900 |
| 50 | 2.70% | ¥120,954 | ¥72,572,184 | ¥32,772,184 |
| 50 | 2.80% | ¥123,329 | ¥73,997,289 | ¥34,197,289 |
| 50 | 2.90% | ¥125,727 | ¥75,436,032 | ¥35,636,032 |
| 50 | 3.00% | ¥128,147 | ¥76,888,227 | ¥37,088,227 |
3980万円｜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% | ¥85,942 | ¥46,408,565 | ¥6,608,565 |
| 45 | 0.80% | ¥87,789 | ¥47,406,037 | ¥7,606,037 |
| 45 | 0.90% | ¥89,661 | ¥48,416,756 | ¥8,616,756 |
| 45 | 1.00% | ¥91,557 | ¥49,440,673 | ¥9,640,673 |
| 45 | 1.10% | ¥93,477 | ¥50,477,738 | ¥10,677,738 |
| 45 | 1.20% | ¥95,422 | ¥51,527,892 | ¥11,727,892 |
| 45 | 1.30% | ¥97,391 | ¥52,591,075 | ¥12,791,075 |
| 45 | 1.40% | ¥99,384 | ¥53,667,218 | ¥13,867,218 |
| 45 | 1.50% | ¥101,400 | ¥54,756,251 | ¥14,956,251 |
| 45 | 1.60% | ¥103,441 | ¥55,858,097 | ¥16,058,097 |
| 45 | 1.70% | ¥105,505 | ¥56,972,675 | ¥17,172,675 |
| 45 | 1.80% | ¥107,592 | ¥58,099,900 | ¥18,299,900 |
| 45 | 1.90% | ¥109,703 | ¥59,239,682 | ¥19,439,682 |
| 45 | 2.00% | ¥111,837 | ¥60,391,927 | ¥20,591,927 |
| 45 | 2.10% | ¥113,994 | ¥61,556,537 | ¥21,756,537 |
| 45 | 2.20% | ¥116,173 | ¥62,733,411 | ¥22,933,411 |
| 45 | 2.30% | ¥118,375 | ¥63,922,443 | ¥24,122,443 |
| 45 | 2.40% | ¥120,599 | ¥65,123,523 | ¥25,323,523 |
| 45 | 2.50% | ¥122,845 | ¥66,336,539 | ¥26,536,539 |
| 45 | 2.60% | ¥125,114 | ¥67,561,373 | ¥27,761,373 |
| 45 | 2.70% | ¥127,404 | ¥68,797,907 | ¥28,997,907 |
| 45 | 2.80% | ¥129,715 | ¥70,046,018 | ¥30,246,018 |
| 45 | 2.90% | ¥132,047 | ¥71,305,581 | ¥31,505,581 |
| 45 | 3.00% | ¥134,401 | ¥72,576,466 | ¥32,776,466 |
3980万円｜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% | ¥95,090 | ¥45,643,219 | ¥5,843,219 |
| 40 | 0.80% | ¥96,917 | ¥46,520,201 | ¥6,720,201 |
| 40 | 0.90% | ¥98,766 | ¥47,407,677 | ¥7,607,677 |
| 40 | 1.00% | ¥100,637 | ¥48,305,619 | ¥8,505,619 |
| 40 | 1.10% | ¥102,529 | ¥49,213,992 | ¥9,413,992 |
| 40 | 1.20% | ¥104,443 | ¥50,132,761 | ¥10,332,761 |
| 40 | 1.30% | ¥106,379 | ¥51,061,886 | ¥11,261,886 |
| 40 | 1.40% | ¥108,336 | ¥52,001,326 | ¥12,201,326 |
| 40 | 1.50% | ¥110,315 | ¥52,951,034 | ¥13,151,034 |
| 40 | 1.60% | ¥112,315 | ¥53,910,963 | ¥14,110,963 |
| 40 | 1.70% | ¥114,336 | ¥54,881,060 | ¥15,081,060 |
| 40 | 1.80% | ¥116,378 | ¥55,861,273 | ¥16,061,273 |
| 40 | 1.90% | ¥118,441 | ¥56,851,543 | ¥17,051,543 |
| 40 | 2.00% | ¥120,525 | ¥57,851,810 | ¥18,051,810 |
| 40 | 2.10% | ¥122,629 | ¥58,862,013 | ¥19,062,013 |
| 40 | 2.20% | ¥124,754 | ¥59,882,085 | ¥20,082,085 |
| 40 | 2.30% | ¥126,900 | ¥60,911,960 | ¥21,111,960 |
| 40 | 2.40% | ¥129,066 | ¥61,951,567 | ¥22,151,567 |
| 40 | 2.50% | ¥131,252 | ¥63,000,833 | ¥23,200,833 |
| 40 | 2.60% | ¥133,458 | ¥64,059,682 | ¥24,259,682 |
| 40 | 2.70% | ¥135,683 | ¥65,128,039 | ¥25,328,039 |
| 40 | 2.80% | ¥137,929 | ¥66,205,823 | ¥26,405,823 |
| 40 | 2.90% | ¥140,194 | ¥67,292,953 | ¥27,492,953 |
| 40 | 3.00% | ¥142,478 | ¥68,389,344 | ¥28,589,344 |
3980万円｜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% | ¥106,871 | ¥44,885,933 | ¥5,085,933 |
| 35 | 0.80% | ¥108,678 | ¥45,644,866 | ¥5,844,866 |
| 35 | 0.90% | ¥110,504 | ¥46,411,854 | ¥6,611,854 |
| 35 | 1.00% | ¥112,350 | ¥47,186,877 | ¥7,386,877 |
| 35 | 1.10% | ¥114,214 | ¥47,969,918 | ¥8,169,918 |
| 35 | 1.20% | ¥116,098 | ¥48,760,954 | ¥8,960,954 |
| 35 | 1.30% | ¥118,000 | ¥49,559,962 | ¥9,759,962 |
| 35 | 1.40% | ¥119,921 | ¥50,366,917 | ¥10,566,917 |
| 35 | 1.50% | ¥121,861 | ¥51,181,791 | ¥11,381,791 |
| 35 | 1.60% | ¥123,820 | ¥52,004,556 | ¥12,204,556 |
| 35 | 1.70% | ¥125,798 | ¥52,835,181 | ¥13,035,181 |
| 35 | 1.80% | ¥127,794 | ¥53,673,634 | ¥13,873,634 |
| 35 | 1.90% | ¥129,809 | ¥54,519,880 | ¥14,719,880 |
| 35 | 2.00% | ¥131,843 | ¥55,373,885 | ¥15,573,885 |
| 35 | 2.10% | ¥133,894 | ¥56,235,609 | ¥16,435,609 |
| 35 | 2.20% | ¥135,964 | ¥57,105,014 | ¥17,305,014 |
| 35 | 2.30% | ¥138,053 | ¥57,982,060 | ¥18,182,060 |
| 35 | 2.40% | ¥140,159 | ¥58,866,703 | ¥19,066,703 |
| 35 | 2.50% | ¥142,283 | ¥59,758,900 | ¥19,958,900 |
| 35 | 2.60% | ¥144,425 | ¥60,658,606 | ¥20,858,606 |
| 35 | 2.70% | ¥146,585 | ¥61,565,774 | ¥21,765,774 |
| 35 | 2.80% | ¥148,763 | ¥62,480,355 | ¥22,680,355 |
| 35 | 2.90% | ¥150,958 | ¥63,402,300 | ¥23,602,300 |
| 35 | 3.00% | ¥153,170 | ¥64,331,558 | ¥24,531,558 |
3980万円｜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% | ¥122,602 | ¥44,136,722 | ¥4,336,722 |
| 30 | 0.80% | ¥124,389 | ¥44,780,059 | ¥4,980,059 |
| 30 | 0.90% | ¥126,193 | ¥45,429,325 | ¥5,629,325 |
| 30 | 1.00% | ¥128,013 | ¥46,084,510 | ¥6,284,510 |
| 30 | 1.10% | ¥129,849 | ¥46,745,605 | ¥6,945,605 |
| 30 | 1.20% | ¥131,702 | ¥47,412,598 | ¥7,612,598 |
| 30 | 1.30% | ¥133,571 | ¥48,085,474 | ¥8,285,474 |
| 30 | 1.40% | ¥135,456 | ¥48,764,221 | ¥8,964,221 |
| 30 | 1.50% | ¥137,358 | ¥49,448,824 | ¥9,648,824 |
| 30 | 1.60% | ¥139,276 | ¥50,139,266 | ¥10,339,266 |
| 30 | 1.70% | ¥141,210 | ¥50,835,531 | ¥11,035,531 |
| 30 | 1.80% | ¥143,160 | ¥51,537,600 | ¥11,737,600 |
| 30 | 1.90% | ¥145,126 | ¥52,245,456 | ¥12,445,456 |
| 30 | 2.00% | ¥147,109 | ¥52,959,078 | ¥13,159,078 |
| 30 | 2.10% | ¥149,107 | ¥53,678,445 | ¥13,878,445 |
| 30 | 2.20% | ¥151,121 | ¥54,403,537 | ¥14,603,537 |
| 30 | 2.30% | ¥153,151 | ¥55,134,329 | ¥15,334,329 |
| 30 | 2.40% | ¥155,197 | ¥55,870,799 | ¥16,070,799 |
| 30 | 2.50% | ¥157,258 | ¥56,612,922 | ¥16,812,922 |
| 30 | 2.60% | ¥159,335 | ¥57,360,674 | ¥17,560,674 |
| 30 | 2.70% | ¥161,428 | ¥58,114,027 | ¥18,314,027 |
| 30 | 2.80% | ¥163,536 | ¥58,872,956 | ¥19,072,956 |
| 30 | 2.90% | ¥165,660 | ¥59,637,432 | ¥19,837,432 |
| 30 | 3.00% | ¥167,798 | ¥60,407,426 | ¥20,607,426 |
3980万円｜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% | ¥144,652 | ¥43,395,599 | ¥3,595,599 |
| 25 | 0.80% | ¥146,419 | ¥43,925,799 | ¥4,125,799 |
| 25 | 0.90% | ¥148,200 | ¥44,460,125 | ¥4,660,125 |
| 25 | 1.00% | ¥149,995 | ¥44,998,571 | ¥5,198,571 |
| 25 | 1.10% | ¥151,804 | ¥45,541,132 | ¥5,741,132 |
| 25 | 1.20% | ¥153,626 | ¥46,087,801 | ¥6,287,801 |
| 25 | 1.30% | ¥155,462 | ¥46,638,574 | ¥6,838,574 |
| 25 | 1.40% | ¥157,311 | ¥47,193,441 | ¥7,393,441 |
| 25 | 1.50% | ¥159,175 | ¥47,752,397 | ¥7,952,397 |
| 25 | 1.60% | ¥161,051 | ¥48,315,434 | ¥8,515,434 |
| 25 | 1.70% | ¥162,942 | ¥48,882,542 | ¥9,082,542 |
| 25 | 1.80% | ¥164,846 | ¥49,453,714 | ¥9,653,714 |
| 25 | 1.90% | ¥166,763 | ¥50,028,939 | ¥10,228,939 |
| 25 | 2.00% | ¥168,694 | ¥50,608,208 | ¥10,808,208 |
| 25 | 2.10% | ¥170,638 | ¥51,191,511 | ¥11,391,511 |
| 25 | 2.20% | ¥172,596 | ¥51,778,837 | ¥11,978,837 |
| 25 | 2.30% | ¥174,567 | ¥52,370,175 | ¥12,570,175 |
| 25 | 2.40% | ¥176,552 | ¥52,965,512 | ¥13,165,512 |
| 25 | 2.50% | ¥178,549 | ¥53,564,838 | ¥13,764,838 |
| 25 | 2.60% | ¥180,560 | ¥54,168,139 | ¥14,368,139 |
| 25 | 2.70% | ¥182,585 | ¥54,775,403 | ¥14,975,403 |
| 25 | 2.80% | ¥184,622 | ¥55,386,615 | ¥15,586,615 |
| 25 | 2.90% | ¥186,673 | ¥56,001,763 | ¥16,201,763 |
| 25 | 3.00% | ¥188,736 | ¥56,620,831 | ¥16,820,831 |
3980万円｜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% | ¥177,761 | ¥42,662,574 | ¥2,862,574 |
| 20 | 0.80% | ¥179,509 | ¥43,082,107 | ¥3,282,107 |
| 20 | 0.90% | ¥181,268 | ¥43,504,285 | ¥3,704,285 |
| 20 | 1.00% | ¥183,038 | ¥43,929,104 | ¥4,129,104 |
| 20 | 1.10% | ¥184,819 | ¥44,356,563 | ¥4,556,563 |
| 20 | 1.20% | ¥186,611 | ¥44,786,658 | ¥4,986,658 |
| 20 | 1.30% | ¥188,414 | ¥45,219,388 | ¥5,419,388 |
| 20 | 1.40% | ¥190,228 | ¥45,654,749 | ¥5,854,749 |
| 20 | 1.50% | ¥192,053 | ¥46,092,737 | ¥6,292,737 |
| 20 | 1.60% | ¥193,889 | ¥46,533,351 | ¥6,733,351 |
| 20 | 1.70% | ¥195,736 | ¥46,976,585 | ¥7,176,585 |
| 20 | 1.80% | ¥197,593 | ¥47,422,437 | ¥7,622,437 |
| 20 | 1.90% | ¥199,462 | ¥47,870,902 | ¥8,070,902 |
| 20 | 2.00% | ¥201,342 | ¥48,321,976 | ¥8,521,976 |
| 20 | 2.10% | ¥203,232 | ¥48,775,655 | ¥8,975,655 |
| 20 | 2.20% | ¥205,133 | ¥49,231,934 | ¥9,431,934 |
| 20 | 2.30% | ¥207,045 | ¥49,690,809 | ¥9,890,809 |
| 20 | 2.40% | ¥208,968 | ¥50,152,274 | ¥10,352,274 |
| 20 | 2.50% | ¥210,901 | ¥50,616,324 | ¥10,816,324 |
| 20 | 2.60% | ¥212,846 | ¥51,082,955 | ¥11,282,955 |
| 20 | 2.70% | ¥214,801 | ¥51,552,160 | ¥11,752,160 |
| 20 | 2.80% | ¥216,766 | ¥52,023,933 | ¥12,223,933 |
| 20 | 2.90% | ¥218,743 | ¥52,498,269 | ¥12,698,269 |
| 20 | 3.00% | ¥220,730 | ¥52,975,163 | ¥13,175,163 |
3980万円｜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% | ¥232,987 | ¥41,937,656 | ¥2,137,656 |
| 15 | 0.80% | ¥234,717 | ¥42,248,998 | ¥2,448,998 |
| 15 | 0.90% | ¥236,455 | ¥42,561,828 | ¥2,761,828 |
| 15 | 1.00% | ¥238,201 | ¥42,876,147 | ¥3,076,147 |
| 15 | 1.10% | ¥239,955 | ¥43,191,953 | ¥3,391,953 |
| 15 | 1.20% | ¥241,718 | ¥43,509,245 | ¥3,709,245 |
| 15 | 1.30% | ¥243,489 | ¥43,828,023 | ¥4,028,023 |
| 15 | 1.40% | ¥245,268 | ¥44,148,285 | ¥4,348,285 |
| 15 | 1.50% | ¥247,056 | ¥44,470,030 | ¥4,670,030 |
| 15 | 1.60% | ¥248,851 | ¥44,793,257 | ¥4,993,257 |
| 15 | 1.70% | ¥250,655 | ¥45,117,966 | ¥5,317,966 |
| 15 | 1.80% | ¥252,468 | ¥45,444,154 | ¥5,644,154 |
| 15 | 1.90% | ¥254,288 | ¥45,771,820 | ¥5,971,820 |
| 15 | 2.00% | ¥256,116 | ¥46,100,963 | ¥6,300,963 |
| 15 | 2.10% | ¥257,953 | ¥46,431,582 | ¥6,631,582 |
| 15 | 2.20% | ¥259,798 | ¥46,763,674 | ¥6,963,674 |
| 15 | 2.30% | ¥261,651 | ¥47,097,239 | ¥7,297,239 |
| 15 | 2.40% | ¥263,513 | ¥47,432,275 | ¥7,632,275 |
| 15 | 2.50% | ¥265,382 | ¥47,768,779 | ¥7,968,779 |
| 15 | 2.60% | ¥267,260 | ¥48,106,750 | ¥8,306,750 |
| 15 | 2.70% | ¥269,145 | ¥48,446,187 | ¥8,646,187 |
| 15 | 2.80% | ¥271,039 | ¥48,787,087 | ¥8,987,087 |
| 15 | 2.90% | ¥272,941 | ¥49,129,448 | ¥9,329,448 |
| 15 | 3.00% | ¥274,851 | ¥49,473,269 | ¥9,673,269 |
3980万円｜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% | ¥343,507 | ¥41,220,853 | ¥1,420,853 |
| 10 | 0.80% | ¥345,221 | ¥41,426,483 | ¥1,626,483 |
| 10 | 0.90% | ¥346,940 | ¥41,632,774 | ¥1,832,774 |
| 10 | 1.00% | ¥348,664 | ¥41,839,728 | ¥2,039,728 |
| 10 | 1.10% | ¥350,395 | ¥42,047,344 | ¥2,247,344 |
| 10 | 1.20% | ¥352,130 | ¥42,255,621 | ¥2,455,621 |
| 10 | 1.30% | ¥353,871 | ¥42,464,560 | ¥2,664,560 |
| 10 | 1.40% | ¥355,618 | ¥42,674,160 | ¥2,874,160 |
| 10 | 1.50% | ¥357,370 | ¥42,884,420 | ¥3,084,420 |
| 10 | 1.60% | ¥359,128 | ¥43,095,341 | ¥3,295,341 |
| 10 | 1.70% | ¥360,891 | ¥43,306,923 | ¥3,506,923 |
| 10 | 1.80% | ¥362,660 | ¥43,519,164 | ¥3,719,164 |
| 10 | 1.90% | ¥364,434 | ¥43,732,065 | ¥3,932,065 |
| 10 | 2.00% | ¥366,214 | ¥43,945,626 | ¥4,145,626 |
| 10 | 2.10% | ¥367,999 | ¥44,159,845 | ¥4,359,845 |
| 10 | 2.20% | ¥369,789 | ¥44,374,723 | ¥4,574,723 |
| 10 | 2.30% | ¥371,585 | ¥44,590,259 | ¥4,790,259 |
| 10 | 2.40% | ¥373,387 | ¥44,806,453 | ¥5,006,453 |
| 10 | 2.50% | ¥375,194 | ¥45,023,305 | ¥5,223,305 |
| 10 | 2.60% | ¥377,007 | ¥45,240,814 | ¥5,440,814 |
| 10 | 2.70% | ¥378,825 | ¥45,458,979 | ¥5,658,979 |
| 10 | 2.80% | ¥380,648 | ¥45,677,801 | ¥5,877,801 |
| 10 | 2.90% | ¥382,477 | ¥45,897,279 | ¥6,097,279 |
| 10 | 3.00% | ¥384,312 | ¥46,117,412 | ¥6,317,412 |
