4050万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。4050万円の住宅ローンが、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。
4050万円の住宅ローン｜期間・年数別
4050万円｜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% |
¥80,020 |
¥48,011,787 |
¥7,511,787 |
| 50 |
0.80% |
¥81,920 |
¥49,151,885 |
¥8,651,885 |
| 50 |
0.90% |
¥83,848 |
¥50,308,574 |
¥9,808,574 |
| 50 |
1.00% |
¥85,803 |
¥51,481,781 |
¥10,981,781 |
| 50 |
1.10% |
¥87,786 |
¥52,671,426 |
¥12,171,426 |
| 50 |
1.20% |
¥89,796 |
¥53,877,422 |
¥13,377,422 |
| 50 |
1.30% |
¥91,833 |
¥55,099,674 |
¥14,599,674 |
| 50 |
1.40% |
¥93,897 |
¥56,338,080 |
¥15,838,080 |
| 50 |
1.50% |
¥95,988 |
¥57,592,529 |
¥17,092,529 |
| 50 |
1.60% |
¥98,105 |
¥58,862,906 |
¥18,362,906 |
| 50 |
1.70% |
¥100,248 |
¥60,149,086 |
¥19,649,086 |
| 50 |
1.80% |
¥102,418 |
¥61,450,941 |
¥20,950,941 |
| 50 |
1.90% |
¥104,614 |
¥62,768,334 |
¥22,268,334 |
| 50 |
2.00% |
¥106,835 |
¥64,101,123 |
¥23,601,123 |
| 50 |
2.10% |
¥109,082 |
¥65,449,159 |
¥24,949,159 |
| 50 |
2.20% |
¥111,354 |
¥66,812,288 |
¥26,312,288 |
| 50 |
2.30% |
¥113,651 |
¥68,190,351 |
¥27,690,351 |
| 50 |
2.40% |
¥115,972 |
¥69,583,183 |
¥29,083,183 |
| 50 |
2.50% |
¥118,318 |
¥70,990,616 |
¥30,490,616 |
| 50 |
2.60% |
¥120,687 |
¥72,412,474 |
¥31,912,474 |
| 50 |
2.70% |
¥123,081 |
¥73,848,579 |
¥33,348,579 |
| 50 |
2.80% |
¥125,498 |
¥75,298,749 |
¥34,798,749 |
| 50 |
2.90% |
¥127,938 |
¥76,762,797 |
¥36,262,797 |
| 50 |
3.00% |
¥130,401 |
¥78,240,532 |
¥37,740,532 |
4050万円｜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% |
¥87,453 |
¥47,224,796 |
¥6,724,796 |
| 45 |
0.80% |
¥89,333 |
¥48,239,812 |
¥7,739,812 |
| 45 |
0.90% |
¥91,238 |
¥49,268,307 |
¥8,768,307 |
| 45 |
1.00% |
¥93,167 |
¥50,310,233 |
¥9,810,233 |
| 45 |
1.10% |
¥95,121 |
¥51,365,537 |
¥10,865,537 |
| 45 |
1.20% |
¥97,100 |
¥52,434,162 |
¥11,934,162 |
| 45 |
1.30% |
¥99,104 |
¥53,516,044 |
¥13,016,044 |
| 45 |
1.40% |
¥101,132 |
¥54,611,114 |
¥14,111,114 |
| 45 |
1.50% |
¥103,184 |
¥55,719,301 |
¥15,219,301 |
| 45 |
1.60% |
¥105,260 |
¥56,840,526 |
¥16,340,526 |
| 45 |
1.70% |
¥107,361 |
¥57,974,707 |
¥17,474,707 |
| 45 |
1.80% |
¥109,485 |
¥59,121,757 |
¥18,621,757 |
| 45 |
1.90% |
¥111,633 |
¥60,281,585 |
¥19,781,585 |
| 45 |
2.00% |
¥113,804 |
¥61,454,096 |
¥20,954,096 |
| 45 |
2.10% |
¥115,998 |
¥62,639,190 |
¥22,139,190 |
| 45 |
2.20% |
¥118,216 |
¥63,836,763 |
¥23,336,763 |
| 45 |
2.30% |
¥120,457 |
¥65,046,707 |
¥24,546,707 |
| 45 |
2.40% |
¥122,720 |
¥66,268,912 |
¥25,768,912 |
| 45 |
2.50% |
¥125,006 |
¥67,503,262 |
¥27,003,262 |
| 45 |
2.60% |
¥127,314 |
¥68,749,639 |
¥28,249,639 |
| 45 |
2.70% |
¥129,644 |
¥70,007,921 |
¥29,507,921 |
| 45 |
2.80% |
¥131,996 |
¥71,277,984 |
¥30,777,984 |
| 45 |
2.90% |
¥134,370 |
¥72,559,699 |
¥32,059,699 |
| 45 |
3.00% |
¥136,765 |
¥73,852,936 |
¥33,352,936 |
4050万円｜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% |
¥96,762 |
¥46,445,989 |
¥5,945,989 |
| 40 |
0.80% |
¥98,622 |
¥47,338,396 |
¥6,838,396 |
| 40 |
0.90% |
¥100,503 |
¥48,241,481 |
¥7,741,481 |
| 40 |
1.00% |
¥102,407 |
¥49,155,215 |
¥8,655,215 |
| 40 |
1.10% |
¥104,332 |
¥50,079,565 |
¥9,579,565 |
| 40 |
1.20% |
¥106,280 |
¥51,014,493 |
¥10,514,493 |
| 40 |
1.30% |
¥108,250 |
¥51,959,960 |
¥11,459,960 |
| 40 |
1.40% |
¥110,242 |
¥52,915,922 |
¥12,415,922 |
| 40 |
1.50% |
¥112,255 |
¥53,882,334 |
¥13,382,334 |
| 40 |
1.60% |
¥114,290 |
¥54,859,146 |
¥14,359,146 |
| 40 |
1.70% |
¥116,346 |
¥55,846,305 |
¥15,346,305 |
| 40 |
1.80% |
¥118,424 |
¥56,843,757 |
¥16,343,757 |
| 40 |
1.90% |
¥120,524 |
¥57,851,444 |
¥17,351,444 |
| 40 |
2.00% |
¥122,644 |
¥58,869,304 |
¥18,369,304 |
| 40 |
2.10% |
¥124,786 |
¥59,897,274 |
¥19,397,274 |
| 40 |
2.20% |
¥126,949 |
¥60,935,288 |
¥20,435,288 |
| 40 |
2.30% |
¥129,132 |
¥61,983,276 |
¥21,483,276 |
| 40 |
2.40% |
¥131,336 |
¥63,041,167 |
¥22,541,167 |
| 40 |
2.50% |
¥133,560 |
¥64,108,887 |
¥23,608,887 |
| 40 |
2.60% |
¥135,805 |
¥65,186,360 |
¥24,686,360 |
| 40 |
2.70% |
¥138,070 |
¥66,273,507 |
¥25,773,507 |
| 40 |
2.80% |
¥140,355 |
¥67,370,247 |
¥26,870,247 |
| 40 |
2.90% |
¥142,659 |
¥68,476,497 |
¥27,976,497 |
| 40 |
3.00% |
¥144,984 |
¥69,592,172 |
¥29,092,172 |
4050万円｜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% |
¥108,751 |
¥45,675,384 |
¥5,175,384 |
| 35 |
0.80% |
¥110,590 |
¥46,447,666 |
¥5,947,666 |
| 35 |
0.90% |
¥112,448 |
¥47,228,143 |
¥6,728,143 |
| 35 |
1.00% |
¥114,326 |
¥48,016,797 |
¥7,516,797 |
| 35 |
1.10% |
¥116,223 |
¥48,813,610 |
¥8,313,610 |
| 35 |
1.20% |
¥118,139 |
¥49,618,559 |
¥9,118,559 |
| 35 |
1.30% |
¥120,075 |
¥50,431,620 |
¥9,931,620 |
| 35 |
1.40% |
¥122,030 |
¥51,252,767 |
¥10,752,767 |
| 35 |
1.50% |
¥124,005 |
¥52,081,973 |
¥11,581,973 |
| 35 |
1.60% |
¥125,998 |
¥52,919,209 |
¥12,419,209 |
| 35 |
1.70% |
¥128,011 |
¥53,764,443 |
¥13,264,443 |
| 35 |
1.80% |
¥130,042 |
¥54,617,643 |
¥14,117,643 |
| 35 |
1.90% |
¥132,092 |
¥55,478,773 |
¥14,978,773 |
| 35 |
2.00% |
¥134,161 |
¥56,347,797 |
¥15,847,797 |
| 35 |
2.10% |
¥136,249 |
¥57,224,677 |
¥16,724,677 |
| 35 |
2.20% |
¥138,356 |
¥58,109,374 |
¥17,609,374 |
| 35 |
2.30% |
¥140,481 |
¥59,001,844 |
¥18,501,844 |
| 35 |
2.40% |
¥142,624 |
¥59,902,047 |
¥19,402,047 |
| 35 |
2.50% |
¥144,786 |
¥60,809,936 |
¥20,309,936 |
| 35 |
2.60% |
¥146,965 |
¥61,725,466 |
¥21,225,466 |
| 35 |
2.70% |
¥149,163 |
¥62,648,589 |
¥22,148,589 |
| 35 |
2.80% |
¥151,379 |
¥63,579,256 |
¥23,079,256 |
| 35 |
2.90% |
¥153,613 |
¥64,517,416 |
¥24,017,416 |
| 35 |
3.00% |
¥155,864 |
¥65,463,017 |
¥24,963,017 |
4050万円｜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% |
¥124,758 |
¥44,912,996 |
¥4,412,996 |
| 30 |
0.80% |
¥126,577 |
¥45,567,648 |
¥5,067,648 |
| 30 |
0.90% |
¥128,412 |
¥46,228,333 |
¥5,728,333 |
| 30 |
1.00% |
¥130,264 |
¥46,895,042 |
¥6,395,042 |
| 30 |
1.10% |
¥132,133 |
¥47,567,764 |
¥7,067,764 |
| 30 |
1.20% |
¥134,018 |
¥48,246,488 |
¥7,746,488 |
| 30 |
1.30% |
¥135,920 |
¥48,931,199 |
¥8,431,199 |
| 30 |
1.40% |
¥137,839 |
¥49,621,883 |
¥9,121,883 |
| 30 |
1.50% |
¥139,774 |
¥50,318,527 |
¥9,818,527 |
| 30 |
1.60% |
¥141,725 |
¥51,021,112 |
¥10,521,112 |
| 30 |
1.70% |
¥143,693 |
¥51,729,623 |
¥11,229,623 |
| 30 |
1.80% |
¥145,678 |
¥52,444,041 |
¥11,944,041 |
| 30 |
1.90% |
¥147,679 |
¥53,164,346 |
¥12,664,346 |
| 30 |
2.00% |
¥149,696 |
¥53,890,519 |
¥13,390,519 |
| 30 |
2.10% |
¥151,729 |
¥54,622,539 |
¥14,122,539 |
| 30 |
2.20% |
¥153,779 |
¥55,360,383 |
¥14,860,383 |
| 30 |
2.30% |
¥155,845 |
¥56,104,028 |
¥15,604,028 |
| 30 |
2.40% |
¥157,926 |
¥56,853,451 |
¥16,353,451 |
| 30 |
2.50% |
¥160,024 |
¥57,608,627 |
¥17,108,627 |
| 30 |
2.60% |
¥162,138 |
¥58,369,530 |
¥17,869,530 |
| 30 |
2.70% |
¥164,267 |
¥59,136,133 |
¥18,636,133 |
| 30 |
2.80% |
¥166,412 |
¥59,908,410 |
¥19,408,410 |
| 30 |
2.90% |
¥168,573 |
¥60,686,331 |
¥20,186,331 |
| 30 |
3.00% |
¥170,750 |
¥61,469,868 |
¥20,969,868 |
4050万円｜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% |
¥147,196 |
¥44,158,838 |
¥3,658,838 |
| 25 |
0.80% |
¥148,995 |
¥44,698,364 |
¥4,198,364 |
| 25 |
0.90% |
¥150,807 |
¥45,242,087 |
¥4,742,087 |
| 25 |
1.00% |
¥152,633 |
¥45,790,003 |
¥5,290,003 |
| 25 |
1.10% |
¥154,474 |
¥46,342,106 |
¥5,842,106 |
| 25 |
1.20% |
¥156,328 |
¥46,898,391 |
¥6,398,391 |
| 25 |
1.30% |
¥158,196 |
¥47,458,850 |
¥6,958,850 |
| 25 |
1.40% |
¥160,078 |
¥48,023,477 |
¥7,523,477 |
| 25 |
1.50% |
¥161,974 |
¥48,592,264 |
¥8,092,264 |
| 25 |
1.60% |
¥163,884 |
¥49,165,203 |
¥8,665,203 |
| 25 |
1.70% |
¥165,808 |
¥49,742,285 |
¥9,242,285 |
| 25 |
1.80% |
¥167,745 |
¥50,323,502 |
¥9,823,502 |
| 25 |
1.90% |
¥169,696 |
¥50,908,845 |
¥10,408,845 |
| 25 |
2.00% |
¥171,661 |
¥51,498,302 |
¥10,998,302 |
| 25 |
2.10% |
¥173,640 |
¥52,091,864 |
¥11,591,864 |
| 25 |
2.20% |
¥175,632 |
¥52,689,520 |
¥12,189,520 |
| 25 |
2.30% |
¥177,638 |
¥53,291,258 |
¥12,791,258 |
| 25 |
2.40% |
¥179,657 |
¥53,897,067 |
¥13,397,067 |
| 25 |
2.50% |
¥181,690 |
¥54,506,933 |
¥14,006,933 |
| 25 |
2.60% |
¥183,736 |
¥55,120,845 |
¥14,620,845 |
| 25 |
2.70% |
¥185,796 |
¥55,738,789 |
¥15,238,789 |
| 25 |
2.80% |
¥187,869 |
¥56,360,752 |
¥15,860,752 |
| 25 |
2.90% |
¥189,956 |
¥56,986,718 |
¥16,486,718 |
| 25 |
3.00% |
¥192,056 |
¥57,616,675 |
¥17,116,675 |
4050万円｜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% |
¥180,887 |
¥43,412,920 |
¥2,912,920 |
| 20 |
0.80% |
¥182,666 |
¥43,839,833 |
¥3,339,833 |
| 20 |
0.90% |
¥184,456 |
¥44,269,436 |
¥3,769,436 |
| 20 |
1.00% |
¥186,257 |
¥44,701,727 |
¥4,201,727 |
| 20 |
1.10% |
¥188,070 |
¥45,136,703 |
¥4,636,703 |
| 20 |
1.20% |
¥189,893 |
¥45,574,363 |
¥5,074,363 |
| 20 |
1.30% |
¥191,728 |
¥46,014,704 |
¥5,514,704 |
| 20 |
1.40% |
¥193,574 |
¥46,457,722 |
¥5,957,722 |
| 20 |
1.50% |
¥195,431 |
¥46,903,414 |
¥6,403,414 |
| 20 |
1.60% |
¥197,299 |
¥47,351,777 |
¥6,851,777 |
| 20 |
1.70% |
¥199,178 |
¥47,802,807 |
¥7,302,807 |
| 20 |
1.80% |
¥201,069 |
¥48,256,500 |
¥7,756,500 |
| 20 |
1.90% |
¥202,970 |
¥48,712,853 |
¥8,212,853 |
| 20 |
2.00% |
¥204,883 |
¥49,171,860 |
¥8,671,860 |
| 20 |
2.10% |
¥206,806 |
¥49,633,518 |
¥9,133,518 |
| 20 |
2.20% |
¥208,741 |
¥50,097,823 |
¥9,597,823 |
| 20 |
2.30% |
¥210,687 |
¥50,564,768 |
¥10,064,768 |
| 20 |
2.40% |
¥212,643 |
¥51,034,349 |
¥10,534,349 |
| 20 |
2.50% |
¥214,611 |
¥51,506,561 |
¥11,006,561 |
| 20 |
2.60% |
¥216,589 |
¥51,981,399 |
¥11,481,399 |
| 20 |
2.70% |
¥218,579 |
¥52,458,856 |
¥11,958,856 |
| 20 |
2.80% |
¥220,579 |
¥52,938,927 |
¥12,438,927 |
| 20 |
2.90% |
¥222,590 |
¥53,421,606 |
¥12,921,606 |
| 20 |
3.00% |
¥224,612 |
¥53,906,887 |
¥13,406,887 |
4050万円｜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% |
¥237,085 |
¥42,675,253 |
¥2,175,253 |
| 15 |
0.80% |
¥238,845 |
¥42,992,071 |
¥2,492,071 |
| 15 |
0.90% |
¥240,613 |
¥43,310,403 |
¥2,810,403 |
| 15 |
1.00% |
¥242,390 |
¥43,630,250 |
¥3,130,250 |
| 15 |
1.10% |
¥244,176 |
¥43,951,610 |
¥3,451,610 |
| 15 |
1.20% |
¥245,969 |
¥44,274,483 |
¥3,774,483 |
| 15 |
1.30% |
¥247,771 |
¥44,598,867 |
¥4,098,867 |
| 15 |
1.40% |
¥249,582 |
¥44,924,762 |
¥4,424,762 |
| 15 |
1.50% |
¥251,401 |
¥45,252,166 |
¥4,752,166 |
| 15 |
1.60% |
¥253,228 |
¥45,581,079 |
¥5,081,079 |
| 15 |
1.70% |
¥255,064 |
¥45,911,498 |
¥5,411,498 |
| 15 |
1.80% |
¥256,908 |
¥46,243,423 |
¥5,743,423 |
| 15 |
1.90% |
¥258,760 |
¥46,576,852 |
¥6,076,852 |
| 15 |
2.00% |
¥260,621 |
¥46,911,784 |
¥6,411,784 |
| 15 |
2.10% |
¥262,490 |
¥47,248,218 |
¥6,748,218 |
| 15 |
2.20% |
¥264,368 |
¥47,586,151 |
¥7,086,151 |
| 15 |
2.30% |
¥266,253 |
¥47,925,583 |
¥7,425,583 |
| 15 |
2.40% |
¥268,147 |
¥48,266,511 |
¥7,766,511 |
| 15 |
2.50% |
¥270,050 |
¥48,608,933 |
¥8,108,933 |
| 15 |
2.60% |
¥271,960 |
¥48,952,849 |
¥8,452,849 |
| 15 |
2.70% |
¥273,879 |
¥49,298,256 |
¥8,798,256 |
| 15 |
2.80% |
¥275,806 |
¥49,645,151 |
¥9,145,151 |
| 15 |
2.90% |
¥277,742 |
¥49,993,534 |
¥9,493,534 |
| 15 |
3.00% |
¥279,686 |
¥50,343,402 |
¥9,843,402 |
4050万円｜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% |
¥349,549 |
¥41,945,843 |
¥1,445,843 |
| 10 |
0.80% |
¥351,292 |
¥42,155,089 |
¥1,655,089 |
| 10 |
0.90% |
¥353,042 |
¥42,365,009 |
¥1,865,009 |
| 10 |
1.00% |
¥354,797 |
¥42,575,603 |
¥2,075,603 |
| 10 |
1.10% |
¥356,557 |
¥42,786,870 |
¥2,286,870 |
| 10 |
1.20% |
¥358,323 |
¥42,998,811 |
¥2,498,811 |
| 10 |
1.30% |
¥360,095 |
¥43,211,424 |
¥2,711,424 |
| 10 |
1.40% |
¥361,873 |
¥43,424,710 |
¥2,924,710 |
| 10 |
1.50% |
¥363,656 |
¥43,638,669 |
¥3,138,669 |
| 10 |
1.60% |
¥365,444 |
¥43,853,300 |
¥3,353,300 |
| 10 |
1.70% |
¥367,238 |
¥44,068,602 |
¥3,568,602 |
| 10 |
1.80% |
¥369,038 |
¥44,284,577 |
¥3,784,577 |
| 10 |
1.90% |
¥370,844 |
¥44,501,222 |
¥4,001,222 |
| 10 |
2.00% |
¥372,654 |
¥44,718,539 |
¥4,218,539 |
| 10 |
2.10% |
¥374,471 |
¥44,936,526 |
¥4,436,526 |
| 10 |
2.20% |
¥376,293 |
¥45,155,183 |
¥4,655,183 |
| 10 |
2.30% |
¥378,121 |
¥45,374,510 |
¥4,874,510 |
| 10 |
2.40% |
¥379,954 |
¥45,594,507 |
¥5,094,507 |
| 10 |
2.50% |
¥381,793 |
¥45,815,172 |
¥5,315,172 |
| 10 |
2.60% |
¥383,638 |
¥46,036,507 |
¥5,536,507 |
| 10 |
2.70% |
¥385,488 |
¥46,258,509 |
¥5,758,509 |
| 10 |
2.80% |
¥387,343 |
¥46,481,180 |
¥5,981,180 |
| 10 |
2.90% |
¥389,204 |
¥46,704,517 |
¥6,204,517 |
| 10 |
3.00% |
¥391,071 |
¥46,928,522 |
¥6,428,522 |
