4040万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。4040万円の住宅ローンが、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。
4040万円の住宅ローン｜期間・年数別
4040万円｜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% |
¥79,822 |
¥47,893,240 |
¥7,493,240 |
| 50 |
0.80% |
¥81,718 |
¥49,030,523 |
¥8,630,523 |
| 50 |
0.90% |
¥83,641 |
¥50,184,355 |
¥9,784,355 |
| 50 |
1.00% |
¥85,591 |
¥51,354,665 |
¥10,954,665 |
| 50 |
1.10% |
¥87,569 |
¥52,541,373 |
¥12,141,373 |
| 50 |
1.20% |
¥89,574 |
¥53,744,392 |
¥13,344,392 |
| 50 |
1.30% |
¥91,606 |
¥54,963,626 |
¥14,563,626 |
| 50 |
1.40% |
¥93,665 |
¥56,198,973 |
¥15,798,973 |
| 50 |
1.50% |
¥95,751 |
¥57,450,325 |
¥17,050,325 |
| 50 |
1.60% |
¥97,863 |
¥58,717,565 |
¥18,317,565 |
| 50 |
1.70% |
¥100,001 |
¥60,000,570 |
¥19,600,570 |
| 50 |
1.80% |
¥102,165 |
¥61,299,211 |
¥20,899,211 |
| 50 |
1.90% |
¥104,356 |
¥62,613,351 |
¥22,213,351 |
| 50 |
2.00% |
¥106,571 |
¥63,942,848 |
¥23,542,848 |
| 50 |
2.10% |
¥108,813 |
¥65,287,556 |
¥24,887,556 |
| 50 |
2.20% |
¥111,079 |
¥66,647,319 |
¥26,247,319 |
| 50 |
2.30% |
¥113,370 |
¥68,021,980 |
¥27,621,980 |
| 50 |
2.40% |
¥115,686 |
¥69,411,373 |
¥29,011,373 |
| 50 |
2.50% |
¥118,026 |
¥70,815,330 |
¥30,415,330 |
| 50 |
2.60% |
¥120,389 |
¥72,233,678 |
¥31,833,678 |
| 50 |
2.70% |
¥122,777 |
¥73,666,237 |
¥33,266,237 |
| 50 |
2.80% |
¥125,188 |
¥75,112,826 |
¥34,712,826 |
| 50 |
2.90% |
¥127,622 |
¥76,573,259 |
¥36,173,259 |
| 50 |
3.00% |
¥130,079 |
¥78,047,346 |
¥37,647,346 |
4040万円｜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% |
¥87,237 |
¥47,108,192 |
¥6,708,192 |
| 45 |
0.80% |
¥89,112 |
¥48,120,701 |
¥7,720,701 |
| 45 |
0.90% |
¥91,012 |
¥49,146,657 |
¥8,746,657 |
| 45 |
1.00% |
¥92,937 |
¥50,186,010 |
¥9,786,010 |
| 45 |
1.10% |
¥94,886 |
¥51,238,709 |
¥10,838,709 |
| 45 |
1.20% |
¥96,861 |
¥52,304,695 |
¥11,904,695 |
| 45 |
1.30% |
¥98,859 |
¥53,383,905 |
¥12,983,905 |
| 45 |
1.40% |
¥100,882 |
¥54,476,272 |
¥14,076,272 |
| 45 |
1.50% |
¥102,929 |
¥55,581,722 |
¥15,181,722 |
| 45 |
1.60% |
¥105,000 |
¥56,700,179 |
¥16,300,179 |
| 45 |
1.70% |
¥107,095 |
¥57,831,559 |
¥17,431,559 |
| 45 |
1.80% |
¥109,214 |
¥58,975,778 |
¥18,575,778 |
| 45 |
1.90% |
¥111,357 |
¥60,132,742 |
¥19,732,742 |
| 45 |
2.00% |
¥113,523 |
¥61,302,358 |
¥20,902,358 |
| 45 |
2.10% |
¥115,712 |
¥62,484,525 |
¥22,084,525 |
| 45 |
2.20% |
¥117,924 |
¥63,679,141 |
¥23,279,141 |
| 45 |
2.30% |
¥120,159 |
¥64,886,098 |
¥24,486,098 |
| 45 |
2.40% |
¥122,417 |
¥66,105,285 |
¥25,705,285 |
| 45 |
2.50% |
¥124,697 |
¥67,336,587 |
¥26,936,587 |
| 45 |
2.60% |
¥127,000 |
¥68,579,886 |
¥28,179,886 |
| 45 |
2.70% |
¥129,324 |
¥69,835,062 |
¥29,435,062 |
| 45 |
2.80% |
¥131,670 |
¥71,101,989 |
¥30,701,989 |
| 45 |
2.90% |
¥134,038 |
¥72,380,539 |
¥31,980,539 |
| 45 |
3.00% |
¥136,427 |
¥73,670,583 |
¥33,270,583 |
4040万円｜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% |
¥96,524 |
¥46,331,308 |
¥5,931,308 |
| 40 |
0.80% |
¥98,378 |
¥47,221,511 |
¥6,821,511 |
| 40 |
0.90% |
¥100,255 |
¥48,122,366 |
¥7,722,366 |
| 40 |
1.00% |
¥102,154 |
¥49,033,844 |
¥8,633,844 |
| 40 |
1.10% |
¥104,075 |
¥49,955,911 |
¥9,555,911 |
| 40 |
1.20% |
¥106,018 |
¥50,888,531 |
¥10,488,531 |
| 40 |
1.30% |
¥107,983 |
¥51,831,663 |
¥11,431,663 |
| 40 |
1.40% |
¥109,969 |
¥52,785,266 |
¥12,385,266 |
| 40 |
1.50% |
¥111,978 |
¥53,749,291 |
¥13,349,291 |
| 40 |
1.60% |
¥114,008 |
¥54,723,691 |
¥14,323,691 |
| 40 |
1.70% |
¥116,059 |
¥55,708,413 |
¥15,308,413 |
| 40 |
1.80% |
¥118,132 |
¥56,703,402 |
¥16,303,402 |
| 40 |
1.90% |
¥120,226 |
¥57,708,601 |
¥17,308,601 |
| 40 |
2.00% |
¥122,342 |
¥58,723,948 |
¥18,323,948 |
| 40 |
2.10% |
¥124,478 |
¥59,749,380 |
¥19,349,380 |
| 40 |
2.20% |
¥126,635 |
¥60,784,830 |
¥20,384,830 |
| 40 |
2.30% |
¥128,813 |
¥61,830,231 |
¥21,430,231 |
| 40 |
2.40% |
¥131,011 |
¥62,885,510 |
¥22,485,510 |
| 40 |
2.50% |
¥133,230 |
¥63,950,594 |
¥23,550,594 |
| 40 |
2.60% |
¥135,470 |
¥65,025,406 |
¥24,625,406 |
| 40 |
2.70% |
¥137,729 |
¥66,109,869 |
¥25,709,869 |
| 40 |
2.80% |
¥140,008 |
¥67,203,901 |
¥26,803,901 |
| 40 |
2.90% |
¥142,307 |
¥68,307,419 |
¥27,907,419 |
| 40 |
3.00% |
¥144,626 |
¥69,420,339 |
¥29,020,339 |
4040万円｜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% |
¥108,482 |
¥45,562,606 |
¥5,162,606 |
| 35 |
0.80% |
¥110,317 |
¥46,332,980 |
¥5,932,980 |
| 35 |
0.90% |
¥112,170 |
¥47,111,530 |
¥6,711,530 |
| 35 |
1.00% |
¥114,043 |
¥47,898,237 |
¥7,498,237 |
| 35 |
1.10% |
¥115,936 |
¥48,693,083 |
¥8,293,083 |
| 35 |
1.20% |
¥117,848 |
¥49,496,044 |
¥9,096,044 |
| 35 |
1.30% |
¥119,779 |
¥50,307,097 |
¥9,907,097 |
| 35 |
1.40% |
¥121,729 |
¥51,126,217 |
¥10,726,217 |
| 35 |
1.50% |
¥123,699 |
¥51,953,376 |
¥11,553,376 |
| 35 |
1.60% |
¥125,687 |
¥52,788,544 |
¥12,388,544 |
| 35 |
1.70% |
¥127,695 |
¥53,631,691 |
¥13,231,691 |
| 35 |
1.80% |
¥129,721 |
¥54,482,784 |
¥14,082,784 |
| 35 |
1.90% |
¥131,766 |
¥55,341,788 |
¥14,941,788 |
| 35 |
2.00% |
¥133,830 |
¥56,208,667 |
¥15,808,667 |
| 35 |
2.10% |
¥135,913 |
¥57,083,382 |
¥16,683,382 |
| 35 |
2.20% |
¥138,014 |
¥57,965,894 |
¥17,565,894 |
| 35 |
2.30% |
¥140,134 |
¥58,856,161 |
¥18,456,161 |
| 35 |
2.40% |
¥142,272 |
¥59,754,141 |
¥19,354,141 |
| 35 |
2.50% |
¥144,428 |
¥60,659,788 |
¥20,259,788 |
| 35 |
2.60% |
¥146,603 |
¥61,573,058 |
¥21,173,058 |
| 35 |
2.70% |
¥148,795 |
¥62,493,901 |
¥22,093,901 |
| 35 |
2.80% |
¥151,005 |
¥63,422,270 |
¥23,022,270 |
| 35 |
2.90% |
¥153,234 |
¥64,358,114 |
¥23,958,114 |
| 35 |
3.00% |
¥155,479 |
¥65,301,380 |
¥24,901,380 |
4040万円｜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% |
¥124,450 |
¥44,802,100 |
¥4,402,100 |
| 30 |
0.80% |
¥126,264 |
¥45,455,135 |
¥5,055,135 |
| 30 |
0.90% |
¥128,095 |
¥46,114,189 |
¥5,714,189 |
| 30 |
1.00% |
¥129,942 |
¥46,779,252 |
¥6,379,252 |
| 30 |
1.10% |
¥131,806 |
¥47,450,313 |
¥7,050,313 |
| 30 |
1.20% |
¥133,687 |
¥48,127,360 |
¥7,727,360 |
| 30 |
1.30% |
¥135,584 |
¥48,810,381 |
¥8,410,381 |
| 30 |
1.40% |
¥137,498 |
¥49,499,360 |
¥9,099,360 |
| 30 |
1.50% |
¥139,429 |
¥50,194,283 |
¥9,794,283 |
| 30 |
1.60% |
¥141,375 |
¥50,895,134 |
¥10,495,134 |
| 30 |
1.70% |
¥143,339 |
¥51,601,896 |
¥11,201,896 |
| 30 |
1.80% |
¥145,318 |
¥52,314,549 |
¥11,914,549 |
| 30 |
1.90% |
¥147,314 |
¥53,033,076 |
¥12,633,076 |
| 30 |
2.00% |
¥149,326 |
¥53,757,456 |
¥13,357,456 |
| 30 |
2.10% |
¥151,355 |
¥54,487,668 |
¥14,087,668 |
| 30 |
2.20% |
¥153,399 |
¥55,223,690 |
¥14,823,690 |
| 30 |
2.30% |
¥155,460 |
¥55,965,500 |
¥15,565,500 |
| 30 |
2.40% |
¥157,536 |
¥56,713,072 |
¥16,313,072 |
| 30 |
2.50% |
¥159,629 |
¥57,466,384 |
¥17,066,384 |
| 30 |
2.60% |
¥161,737 |
¥58,225,408 |
¥17,825,408 |
| 30 |
2.70% |
¥163,861 |
¥58,990,118 |
¥18,590,118 |
| 30 |
2.80% |
¥166,001 |
¥59,760,488 |
¥19,360,488 |
| 30 |
2.90% |
¥168,157 |
¥60,536,488 |
¥20,136,488 |
| 30 |
3.00% |
¥170,328 |
¥61,318,091 |
¥20,918,091 |
4040万円｜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% |
¥146,833 |
¥44,049,804 |
¥3,649,804 |
| 25 |
0.80% |
¥148,627 |
¥44,587,997 |
¥4,187,997 |
| 25 |
0.90% |
¥150,435 |
¥45,130,378 |
¥4,730,378 |
| 25 |
1.00% |
¥152,256 |
¥45,676,941 |
¥5,276,941 |
| 25 |
1.10% |
¥154,092 |
¥46,227,681 |
¥5,827,681 |
| 25 |
1.20% |
¥155,942 |
¥46,782,592 |
¥6,382,592 |
| 25 |
1.30% |
¥157,806 |
¥47,341,668 |
¥6,941,668 |
| 25 |
1.40% |
¥159,683 |
¥47,904,900 |
¥7,504,900 |
| 25 |
1.50% |
¥161,574 |
¥48,472,283 |
¥8,072,283 |
| 25 |
1.60% |
¥163,479 |
¥49,043,807 |
¥8,643,807 |
| 25 |
1.70% |
¥165,398 |
¥49,619,465 |
¥9,219,465 |
| 25 |
1.80% |
¥167,331 |
¥50,199,247 |
¥9,799,247 |
| 25 |
1.90% |
¥169,277 |
¥50,783,144 |
¥10,383,144 |
| 25 |
2.00% |
¥171,237 |
¥51,371,146 |
¥10,971,146 |
| 25 |
2.10% |
¥173,211 |
¥51,963,242 |
¥11,563,242 |
| 25 |
2.20% |
¥175,198 |
¥52,559,422 |
¥12,159,422 |
| 25 |
2.30% |
¥177,199 |
¥53,159,675 |
¥12,759,675 |
| 25 |
2.40% |
¥179,213 |
¥53,763,987 |
¥13,363,987 |
| 25 |
2.50% |
¥181,241 |
¥54,372,348 |
¥13,972,348 |
| 25 |
2.60% |
¥183,282 |
¥54,984,744 |
¥14,584,744 |
| 25 |
2.70% |
¥185,337 |
¥55,601,162 |
¥15,201,162 |
| 25 |
2.80% |
¥187,405 |
¥56,221,589 |
¥15,821,589 |
| 25 |
2.90% |
¥189,487 |
¥56,846,010 |
¥16,446,010 |
| 25 |
3.00% |
¥191,581 |
¥57,474,411 |
¥17,074,411 |
4040万円｜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% |
¥180,441 |
¥43,305,728 |
¥2,905,728 |
| 20 |
0.80% |
¥182,215 |
¥43,731,586 |
¥3,331,586 |
| 20 |
0.90% |
¥184,001 |
¥44,160,128 |
¥3,760,128 |
| 20 |
1.00% |
¥185,797 |
¥44,591,352 |
¥4,191,352 |
| 20 |
1.10% |
¥187,605 |
¥45,025,255 |
¥4,625,255 |
| 20 |
1.20% |
¥189,424 |
¥45,461,834 |
¥5,061,834 |
| 20 |
1.30% |
¥191,255 |
¥45,901,087 |
¥5,501,087 |
| 20 |
1.40% |
¥193,096 |
¥46,343,011 |
¥5,943,011 |
| 20 |
1.50% |
¥194,948 |
¥46,787,603 |
¥6,387,603 |
| 20 |
1.60% |
¥196,812 |
¥47,234,859 |
¥6,834,859 |
| 20 |
1.70% |
¥198,687 |
¥47,684,775 |
¥7,284,775 |
| 20 |
1.80% |
¥200,572 |
¥48,137,348 |
¥7,737,348 |
| 20 |
1.90% |
¥202,469 |
¥48,592,574 |
¥8,192,574 |
| 20 |
2.00% |
¥204,377 |
¥49,050,448 |
¥8,650,448 |
| 20 |
2.10% |
¥206,296 |
¥49,510,966 |
¥9,110,966 |
| 20 |
2.20% |
¥208,226 |
¥49,974,124 |
¥9,574,124 |
| 20 |
2.30% |
¥210,166 |
¥50,439,917 |
¥10,039,917 |
| 20 |
2.40% |
¥212,118 |
¥50,908,338 |
¥10,508,338 |
| 20 |
2.50% |
¥214,081 |
¥51,379,385 |
¥10,979,385 |
| 20 |
2.60% |
¥216,054 |
¥51,853,050 |
¥11,453,050 |
| 20 |
2.70% |
¥218,039 |
¥52,329,328 |
¥11,929,328 |
| 20 |
2.80% |
¥220,034 |
¥52,808,214 |
¥12,408,214 |
| 20 |
2.90% |
¥222,040 |
¥53,289,701 |
¥12,889,701 |
| 20 |
3.00% |
¥224,057 |
¥53,773,783 |
¥13,373,783 |
4040万円｜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% |
¥236,499 |
¥42,569,882 |
¥2,169,882 |
| 15 |
0.80% |
¥238,255 |
¥42,885,917 |
¥2,485,917 |
| 15 |
0.90% |
¥240,019 |
¥43,203,464 |
¥2,803,464 |
| 15 |
1.00% |
¥241,792 |
¥43,522,521 |
¥3,122,521 |
| 15 |
1.10% |
¥243,573 |
¥43,843,088 |
¥3,443,088 |
| 15 |
1.20% |
¥245,362 |
¥44,165,163 |
¥3,765,163 |
| 15 |
1.30% |
¥247,160 |
¥44,488,747 |
¥4,088,747 |
| 15 |
1.40% |
¥248,966 |
¥44,813,837 |
¥4,413,837 |
| 15 |
1.50% |
¥250,780 |
¥45,140,432 |
¥4,740,432 |
| 15 |
1.60% |
¥252,603 |
¥45,468,533 |
¥5,068,533 |
| 15 |
1.70% |
¥254,434 |
¥45,798,136 |
¥5,398,136 |
| 15 |
1.80% |
¥256,274 |
¥46,129,242 |
¥5,729,242 |
| 15 |
1.90% |
¥258,121 |
¥46,461,848 |
¥6,061,848 |
| 15 |
2.00% |
¥259,978 |
¥46,795,953 |
¥6,395,953 |
| 15 |
2.10% |
¥261,842 |
¥47,131,556 |
¥6,731,556 |
| 15 |
2.20% |
¥263,715 |
¥47,468,654 |
¥7,068,654 |
| 15 |
2.30% |
¥265,596 |
¥47,807,248 |
¥7,407,248 |
| 15 |
2.40% |
¥267,485 |
¥48,147,334 |
¥7,747,334 |
| 15 |
2.50% |
¥269,383 |
¥48,488,911 |
¥8,088,911 |
| 15 |
2.60% |
¥271,289 |
¥48,831,978 |
¥8,431,978 |
| 15 |
2.70% |
¥273,203 |
¥49,176,531 |
¥8,776,531 |
| 15 |
2.80% |
¥275,125 |
¥49,522,571 |
¥9,122,571 |
| 15 |
2.90% |
¥277,056 |
¥49,870,093 |
¥9,470,093 |
| 15 |
3.00% |
¥278,995 |
¥50,219,097 |
¥9,819,097 |
4040万円｜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% |
¥348,686 |
¥41,842,273 |
¥1,442,273 |
| 10 |
0.80% |
¥350,425 |
¥42,051,002 |
¥1,651,002 |
| 10 |
0.90% |
¥352,170 |
¥42,260,404 |
¥1,860,404 |
| 10 |
1.00% |
¥353,921 |
¥42,470,478 |
¥2,070,478 |
| 10 |
1.10% |
¥355,677 |
¥42,681,224 |
¥2,281,224 |
| 10 |
1.20% |
¥357,439 |
¥42,892,641 |
¥2,492,641 |
| 10 |
1.30% |
¥359,206 |
¥43,104,729 |
¥2,704,729 |
| 10 |
1.40% |
¥360,979 |
¥43,317,489 |
¥2,917,489 |
| 10 |
1.50% |
¥362,758 |
¥43,530,919 |
¥3,130,919 |
| 10 |
1.60% |
¥364,542 |
¥43,745,020 |
¥3,345,020 |
| 10 |
1.70% |
¥366,332 |
¥43,959,791 |
¥3,559,791 |
| 10 |
1.80% |
¥368,127 |
¥44,175,232 |
¥3,775,232 |
| 10 |
1.90% |
¥369,928 |
¥44,391,343 |
¥3,991,343 |
| 10 |
2.00% |
¥371,734 |
¥44,608,122 |
¥4,208,122 |
| 10 |
2.10% |
¥373,546 |
¥44,825,571 |
¥4,425,571 |
| 10 |
2.20% |
¥375,364 |
¥45,043,689 |
¥4,643,689 |
| 10 |
2.30% |
¥377,187 |
¥45,262,474 |
¥4,862,474 |
| 10 |
2.40% |
¥379,016 |
¥45,481,928 |
¥5,081,928 |
| 10 |
2.50% |
¥380,850 |
¥45,702,048 |
¥5,302,048 |
| 10 |
2.60% |
¥382,690 |
¥45,922,836 |
¥5,522,836 |
| 10 |
2.70% |
¥384,536 |
¥46,144,291 |
¥5,744,291 |
| 10 |
2.80% |
¥386,387 |
¥46,366,411 |
¥5,966,411 |
| 10 |
2.90% |
¥388,243 |
¥46,589,197 |
¥6,189,197 |
| 10 |
3.00% |
¥390,105 |
¥46,812,649 |
¥6,412,649 |
