4000万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。4000万円の住宅ローンが、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。
4000万円の住宅ローン｜期間・年数別
4000万円｜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% | ¥79,032 | ¥47,419,049 | ¥7,419,049 |
| 50 | 0.80% | ¥80,908 | ¥48,545,072 | ¥8,545,072 |
| 50 | 0.90% | ¥82,812 | ¥49,687,480 | ¥9,687,480 |
| 50 | 1.00% | ¥84,744 | ¥50,846,203 | ¥10,846,203 |
| 50 | 1.10% | ¥86,702 | ¥52,021,162 | ¥12,021,162 |
| 50 | 1.20% | ¥88,687 | ¥53,212,269 | ¥13,212,269 |
| 50 | 1.30% | ¥90,699 | ¥54,419,431 | ¥14,419,431 |
| 50 | 1.40% | ¥92,738 | ¥55,642,548 | ¥15,642,548 |
| 50 | 1.50% | ¥94,803 | ¥56,881,510 | ¥16,881,510 |
| 50 | 1.60% | ¥96,894 | ¥58,136,203 | ¥18,136,203 |
| 50 | 1.70% | ¥99,011 | ¥59,406,505 | ¥19,406,505 |
| 50 | 1.80% | ¥101,154 | ¥60,692,288 | ¥20,692,288 |
| 50 | 1.90% | ¥103,322 | ¥61,993,417 | ¥21,993,417 |
| 50 | 2.00% | ¥105,516 | ¥63,309,751 | ¥23,309,751 |
| 50 | 2.10% | ¥107,735 | ¥64,641,144 | ¥24,641,144 |
| 50 | 2.20% | ¥109,979 | ¥65,987,445 | ¥25,987,445 |
| 50 | 2.30% | ¥112,247 | ¥67,348,495 | ¥27,348,495 |
| 50 | 2.40% | ¥114,540 | ¥68,724,132 | ¥28,724,132 |
| 50 | 2.50% | ¥116,857 | ¥70,114,188 | ¥30,114,188 |
| 50 | 2.60% | ¥119,197 | ¥71,518,493 | ¥31,518,493 |
| 50 | 2.70% | ¥121,561 | ¥72,936,868 | ¥32,936,868 |
| 50 | 2.80% | ¥123,949 | ¥74,369,135 | ¥34,369,135 |
| 50 | 2.90% | ¥126,359 | ¥75,815,108 | ¥35,815,108 |
| 50 | 3.00% | ¥128,791 | ¥77,274,600 | ¥37,274,600 |
4000万円｜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% | ¥86,374 | ¥46,641,774 | ¥6,641,774 |
| 45 | 0.80% | ¥88,230 | ¥47,644,259 | ¥7,644,259 |
| 45 | 0.90% | ¥90,111 | ¥48,660,056 | ¥8,660,056 |
| 45 | 1.00% | ¥92,017 | ¥49,689,119 | ¥9,689,119 |
| 45 | 1.10% | ¥93,947 | ¥50,731,395 | ¥10,731,395 |
| 45 | 1.20% | ¥95,902 | ¥51,786,827 | ¥11,786,827 |
| 45 | 1.30% | ¥97,880 | ¥52,855,352 | ¥12,855,352 |
| 45 | 1.40% | ¥99,883 | ¥53,936,903 | ¥13,936,903 |
| 45 | 1.50% | ¥101,910 | ¥55,031,408 | ¥15,031,408 |
| 45 | 1.60% | ¥103,961 | ¥56,138,791 | ¥16,138,791 |
| 45 | 1.70% | ¥106,035 | ¥57,258,970 | ¥17,258,970 |
| 45 | 1.80% | ¥108,133 | ¥58,391,859 | ¥18,391,859 |
| 45 | 1.90% | ¥110,254 | ¥59,537,368 | ¥19,537,368 |
| 45 | 2.00% | ¥112,399 | ¥60,695,404 | ¥20,695,404 |
| 45 | 2.10% | ¥114,566 | ¥61,865,867 | ¥21,865,867 |
| 45 | 2.20% | ¥116,757 | ¥63,048,654 | ¥23,048,654 |
| 45 | 2.30% | ¥118,970 | ¥64,243,661 | ¥24,243,661 |
| 45 | 2.40% | ¥121,205 | ¥65,450,777 | ¥25,450,777 |
| 45 | 2.50% | ¥123,463 | ¥66,669,888 | ¥26,669,888 |
| 45 | 2.60% | ¥125,742 | ¥67,900,878 | ¥27,900,878 |
| 45 | 2.70% | ¥128,044 | ¥69,143,626 | ¥29,143,626 |
| 45 | 2.80% | ¥130,367 | ¥70,398,008 | ¥30,398,008 |
| 45 | 2.90% | ¥132,711 | ¥71,663,900 | ¥31,663,900 |
| 45 | 3.00% | ¥135,076 | ¥72,941,172 | ¥32,941,172 |
4000万円｜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% | ¥95,568 | ¥45,872,582 | ¥5,872,582 |
| 40 | 0.80% | ¥97,404 | ¥46,753,971 | ¥6,753,971 |
| 40 | 0.90% | ¥99,262 | ¥47,645,907 | ¥7,645,907 |
| 40 | 1.00% | ¥101,142 | ¥48,548,361 | ¥8,548,361 |
| 40 | 1.10% | ¥103,044 | ¥49,461,298 | ¥9,461,298 |
| 40 | 1.20% | ¥104,968 | ¥50,384,684 | ¥10,384,684 |
| 40 | 1.30% | ¥106,913 | ¥51,318,479 | ¥11,318,479 |
| 40 | 1.40% | ¥108,880 | ¥52,262,639 | ¥12,262,639 |
| 40 | 1.50% | ¥110,869 | ¥53,217,120 | ¥13,217,120 |
| 40 | 1.60% | ¥112,879 | ¥54,181,872 | ¥14,181,872 |
| 40 | 1.70% | ¥114,910 | ¥55,156,845 | ¥15,156,845 |
| 40 | 1.80% | ¥116,962 | ¥56,141,983 | ¥16,141,983 |
| 40 | 1.90% | ¥119,036 | ¥57,137,229 | ¥17,137,229 |
| 40 | 2.00% | ¥121,130 | ¥58,142,523 | ¥18,142,523 |
| 40 | 2.10% | ¥123,245 | ¥59,157,802 | ¥19,157,802 |
| 40 | 2.20% | ¥125,381 | ¥60,183,000 | ¥20,183,000 |
| 40 | 2.30% | ¥127,538 | ¥61,218,050 | ¥21,218,050 |
| 40 | 2.40% | ¥129,714 | ¥62,262,881 | ¥22,262,881 |
| 40 | 2.50% | ¥131,911 | ¥63,317,420 | ¥23,317,420 |
| 40 | 2.60% | ¥134,128 | ¥64,381,590 | ¥24,381,590 |
| 40 | 2.70% | ¥136,365 | ¥65,455,316 | ¥25,455,316 |
| 40 | 2.80% | ¥138,622 | ¥66,538,516 | ¥26,538,516 |
| 40 | 2.90% | ¥140,898 | ¥67,631,108 | ¥27,631,108 |
| 40 | 3.00% | ¥143,194 | ¥68,733,009 | ¥28,733,009 |
4000万円｜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% | ¥107,408 | ¥45,111,491 | ¥5,111,491 |
| 35 | 0.80% | ¥109,224 | ¥45,874,238 | ¥5,874,238 |
| 35 | 0.90% | ¥111,060 | ¥46,645,079 | ¥6,645,079 |
| 35 | 1.00% | ¥112,914 | ¥47,423,997 | ¥7,423,997 |
| 35 | 1.10% | ¥114,788 | ¥48,210,973 | ¥8,210,973 |
| 35 | 1.20% | ¥116,681 | ¥49,005,984 | ¥9,005,984 |
| 35 | 1.30% | ¥118,593 | ¥49,809,007 | ¥9,809,007 |
| 35 | 1.40% | ¥120,524 | ¥50,620,017 | ¥10,620,017 |
| 35 | 1.50% | ¥122,474 | ¥51,438,986 | ¥11,438,986 |
| 35 | 1.60% | ¥124,443 | ¥52,265,885 | ¥12,265,885 |
| 35 | 1.70% | ¥126,430 | ¥53,100,685 | ¥13,100,685 |
| 35 | 1.80% | ¥128,437 | ¥53,943,351 | ¥13,943,351 |
| 35 | 1.90% | ¥130,462 | ¥54,793,850 | ¥14,793,850 |
| 35 | 2.00% | ¥132,505 | ¥55,652,145 | ¥15,652,145 |
| 35 | 2.10% | ¥134,567 | ¥56,518,200 | ¥16,518,200 |
| 35 | 2.20% | ¥136,648 | ¥57,391,974 | ¥17,391,974 |
| 35 | 2.30% | ¥138,746 | ¥58,273,427 | ¥18,273,427 |
| 35 | 2.40% | ¥140,863 | ¥59,162,515 | ¥19,162,515 |
| 35 | 2.50% | ¥142,998 | ¥60,059,196 | ¥20,059,196 |
| 35 | 2.60% | ¥145,151 | ¥60,963,423 | ¥20,963,423 |
| 35 | 2.70% | ¥147,322 | ¥61,875,150 | ¥21,875,150 |
| 35 | 2.80% | ¥149,510 | ¥62,794,327 | ¥22,794,327 |
| 35 | 2.90% | ¥151,716 | ¥63,720,905 | ¥23,720,905 |
| 35 | 3.00% | ¥153,940 | ¥64,654,832 | ¥24,654,832 |
4000万円｜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% | ¥123,218 | ¥44,358,515 | ¥4,358,515 |
| 30 | 0.80% | ¥125,014 | ¥45,005,084 | ¥5,005,084 |
| 30 | 0.90% | ¥126,827 | ¥45,657,613 | ¥5,657,613 |
| 30 | 1.00% | ¥128,656 | ¥46,316,091 | ¥6,316,091 |
| 30 | 1.10% | ¥130,501 | ¥46,980,508 | ¥6,980,508 |
| 30 | 1.20% | ¥132,363 | ¥47,650,852 | ¥7,650,852 |
| 30 | 1.30% | ¥134,242 | ¥48,327,110 | ¥8,327,110 |
| 30 | 1.40% | ¥136,137 | ¥49,009,268 | ¥9,009,268 |
| 30 | 1.50% | ¥138,048 | ¥49,697,310 | ¥9,697,310 |
| 30 | 1.60% | ¥139,976 | ¥50,391,222 | ¥10,391,222 |
| 30 | 1.70% | ¥141,919 | ¥51,090,986 | ¥11,090,986 |
| 30 | 1.80% | ¥143,879 | ¥51,796,583 | ¥11,796,583 |
| 30 | 1.90% | ¥145,856 | ¥52,507,996 | ¥12,507,996 |
| 30 | 2.00% | ¥147,848 | ¥53,225,204 | ¥13,225,204 |
| 30 | 2.10% | ¥149,856 | ¥53,948,186 | ¥13,948,186 |
| 30 | 2.20% | ¥151,880 | ¥54,676,921 | ¥14,676,921 |
| 30 | 2.30% | ¥153,921 | ¥55,411,386 | ¥15,411,386 |
| 30 | 2.40% | ¥155,977 | ¥56,151,557 | ¥16,151,557 |
| 30 | 2.50% | ¥158,048 | ¥56,897,409 | ¥16,897,409 |
| 30 | 2.60% | ¥160,136 | ¥57,648,918 | ¥17,648,918 |
| 30 | 2.70% | ¥162,239 | ¥58,406,058 | ¥18,406,058 |
| 30 | 2.80% | ¥164,358 | ¥59,168,800 | ¥19,168,800 |
| 30 | 2.90% | ¥166,492 | ¥59,937,117 | ¥19,937,117 |
| 30 | 3.00% | ¥168,642 | ¥60,710,981 | ¥20,710,981 |
4000万円｜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% | ¥145,379 | ¥43,613,667 | ¥3,613,667 |
| 25 | 0.80% | ¥147,155 | ¥44,146,532 | ¥4,146,532 |
| 25 | 0.90% | ¥148,945 | ¥44,683,543 | ¥4,683,543 |
| 25 | 1.00% | ¥150,749 | ¥45,224,695 | ¥5,224,695 |
| 25 | 1.10% | ¥152,567 | ¥45,769,982 | ¥5,769,982 |
| 25 | 1.20% | ¥154,398 | ¥46,319,398 | ¥6,319,398 |
| 25 | 1.30% | ¥156,243 | ¥46,872,938 | ¥6,872,938 |
| 25 | 1.40% | ¥158,102 | ¥47,430,594 | ¥7,430,594 |
| 25 | 1.50% | ¥159,975 | ¥47,992,359 | ¥7,992,359 |
| 25 | 1.60% | ¥161,861 | ¥48,558,225 | ¥8,558,225 |
| 25 | 1.70% | ¥163,761 | ¥49,128,183 | ¥9,128,183 |
| 25 | 1.80% | ¥165,674 | ¥49,702,225 | ¥9,702,225 |
| 25 | 1.90% | ¥167,601 | ¥50,280,340 | ¥10,280,340 |
| 25 | 2.00% | ¥169,542 | ¥50,862,521 | ¥10,862,521 |
| 25 | 2.10% | ¥171,496 | ¥51,448,755 | ¥11,448,755 |
| 25 | 2.20% | ¥173,463 | ¥52,039,032 | ¥12,039,032 |
| 25 | 2.30% | ¥175,444 | ¥52,633,341 | ¥12,633,341 |
| 25 | 2.40% | ¥177,439 | ¥53,231,671 | ¥13,231,671 |
| 25 | 2.50% | ¥179,447 | ¥53,834,008 | ¥13,834,008 |
| 25 | 2.60% | ¥181,468 | ¥54,440,341 | ¥14,440,341 |
| 25 | 2.70% | ¥183,502 | ¥55,050,656 | ¥15,050,656 |
| 25 | 2.80% | ¥185,550 | ¥55,664,940 | ¥15,664,940 |
| 25 | 2.90% | ¥187,611 | ¥56,283,178 | ¥16,283,178 |
| 25 | 3.00% | ¥189,685 | ¥56,905,358 | ¥16,905,358 |
4000万円｜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% | ¥178,654 | ¥42,876,959 | ¥2,876,959 |
| 20 | 0.80% | ¥180,411 | ¥43,298,600 | ¥3,298,600 |
| 20 | 0.90% | ¥182,179 | ¥43,722,899 | ¥3,722,899 |
| 20 | 1.00% | ¥183,958 | ¥44,149,853 | ¥4,149,853 |
| 20 | 1.10% | ¥185,748 | ¥44,579,460 | ¥4,579,460 |
| 20 | 1.20% | ¥187,549 | ¥45,011,717 | ¥5,011,717 |
| 20 | 1.30% | ¥189,361 | ¥45,446,621 | ¥5,446,621 |
| 20 | 1.40% | ¥191,184 | ¥45,884,170 | ¥5,884,170 |
| 20 | 1.50% | ¥193,018 | ¥46,324,359 | ¥6,324,359 |
| 20 | 1.60% | ¥194,863 | ¥46,767,187 | ¥6,767,187 |
| 20 | 1.70% | ¥196,719 | ¥47,212,648 | ¥7,212,648 |
| 20 | 1.80% | ¥198,586 | ¥47,660,741 | ¥7,660,741 |
| 20 | 1.90% | ¥200,464 | ¥48,111,459 | ¥8,111,459 |
| 20 | 2.00% | ¥202,353 | ¥48,564,800 | ¥8,564,800 |
| 20 | 2.10% | ¥204,253 | ¥49,020,759 | ¥9,020,759 |
| 20 | 2.20% | ¥206,164 | ¥49,479,331 | ¥9,479,331 |
| 20 | 2.30% | ¥208,085 | ¥49,940,511 | ¥9,940,511 |
| 20 | 2.40% | ¥210,018 | ¥50,404,295 | ¥10,404,295 |
| 20 | 2.50% | ¥211,961 | ¥50,870,678 | ¥10,870,678 |
| 20 | 2.60% | ¥213,915 | ¥51,339,653 | ¥11,339,653 |
| 20 | 2.70% | ¥215,880 | ¥51,811,216 | ¥11,811,216 |
| 20 | 2.80% | ¥217,856 | ¥52,285,360 | ¥12,285,360 |
| 20 | 2.90% | ¥219,842 | ¥52,762,080 | ¥12,762,080 |
| 20 | 3.00% | ¥221,839 | ¥53,241,369 | ¥13,241,369 |
4000万円｜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% | ¥234,158 | ¥42,148,398 | ¥2,148,398 |
| 15 | 0.80% | ¥235,896 | ¥42,461,304 | ¥2,461,304 |
| 15 | 0.90% | ¥237,643 | ¥42,775,707 | ¥2,775,707 |
| 15 | 1.00% | ¥239,398 | ¥43,091,605 | ¥3,091,605 |
| 15 | 1.10% | ¥241,161 | ¥43,408,998 | ¥3,408,998 |
| 15 | 1.20% | ¥242,933 | ¥43,727,885 | ¥3,727,885 |
| 15 | 1.30% | ¥244,713 | ¥44,048,264 | ¥4,048,264 |
| 15 | 1.40% | ¥246,501 | ¥44,370,135 | ¥4,370,135 |
| 15 | 1.50% | ¥248,297 | ¥44,693,497 | ¥4,693,497 |
| 15 | 1.60% | ¥250,102 | ¥45,018,349 | ¥5,018,349 |
| 15 | 1.70% | ¥251,915 | ¥45,344,689 | ¥5,344,689 |
| 15 | 1.80% | ¥253,736 | ¥45,672,516 | ¥5,672,516 |
| 15 | 1.90% | ¥255,566 | ¥46,001,829 | ¥6,001,829 |
| 15 | 2.00% | ¥257,403 | ¥46,332,626 | ¥6,332,626 |
| 15 | 2.10% | ¥259,249 | ¥46,664,906 | ¥6,664,906 |
| 15 | 2.20% | ¥261,104 | ¥46,998,668 | ¥6,998,668 |
| 15 | 2.30% | ¥262,966 | ¥47,333,909 | ¥7,333,909 |
| 15 | 2.40% | ¥264,837 | ¥47,670,628 | ¥7,670,628 |
| 15 | 2.50% | ¥266,716 | ¥48,008,823 | ¥8,008,823 |
| 15 | 2.60% | ¥268,603 | ¥48,348,493 | ¥8,348,493 |
| 15 | 2.70% | ¥270,498 | ¥48,689,635 | ¥8,689,635 |
| 15 | 2.80% | ¥272,401 | ¥49,032,248 | ¥9,032,248 |
| 15 | 2.90% | ¥274,313 | ¥49,376,330 | ¥9,376,330 |
| 15 | 3.00% | ¥276,233 | ¥49,721,878 | ¥9,721,878 |
4000万円｜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% | ¥345,233 | ¥41,427,993 | ¥1,427,993 |
| 10 | 0.80% | ¥346,955 | ¥41,634,656 | ¥1,634,656 |
| 10 | 0.90% | ¥348,683 | ¥41,841,984 | ¥1,841,984 |
| 10 | 1.00% | ¥350,416 | ¥42,049,978 | ¥2,049,978 |
| 10 | 1.10% | ¥352,155 | ¥42,258,637 | ¥2,258,637 |
| 10 | 1.20% | ¥353,900 | ¥42,467,961 | ¥2,467,961 |
| 10 | 1.30% | ¥355,650 | ¥42,677,950 | ¥2,677,950 |
| 10 | 1.40% | ¥357,405 | ¥42,888,603 | ¥2,888,603 |
| 10 | 1.50% | ¥359,166 | ¥43,099,920 | ¥3,099,920 |
| 10 | 1.60% | ¥360,933 | ¥43,311,901 | ¥3,311,901 |
| 10 | 1.70% | ¥362,705 | ¥43,524,546 | ¥3,524,546 |
| 10 | 1.80% | ¥364,482 | ¥43,737,853 | ¥3,737,853 |
| 10 | 1.90% | ¥366,265 | ¥43,951,824 | ¥3,951,824 |
| 10 | 2.00% | ¥368,054 | ¥44,166,458 | ¥4,166,458 |
| 10 | 2.10% | ¥369,848 | ¥44,381,754 | ¥4,381,754 |
| 10 | 2.20% | ¥371,648 | ¥44,597,711 | ¥4,597,711 |
| 10 | 2.30% | ¥373,453 | ¥44,814,331 | ¥4,814,331 |
| 10 | 2.40% | ¥375,263 | ¥45,031,611 | ¥5,031,611 |
| 10 | 2.50% | ¥377,080 | ¥45,249,553 | ¥5,249,553 |
| 10 | 2.60% | ¥378,901 | ¥45,468,155 | ¥5,468,155 |
| 10 | 2.70% | ¥380,728 | ¥45,687,416 | ¥5,687,416 |
| 10 | 2.80% | ¥382,561 | ¥45,907,338 | ¥5,907,338 |
| 10 | 2.90% | ¥384,399 | ¥46,127,918 | ¥6,127,918 |
| 10 | 3.00% | ¥386,243 | ¥46,349,157 | ¥6,349,157 |
