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 |
