4090万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。4090万円の住宅ローンが、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。
4090万円の住宅ローン｜期間・年数別
4090万円｜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% |
¥80,810 |
¥48,485,978 |
¥7,585,978 |
| 50 |
0.80% |
¥82,729 |
¥49,637,336 |
¥8,737,336 |
| 50 |
0.90% |
¥84,676 |
¥50,805,449 |
¥9,905,449 |
| 50 |
1.00% |
¥86,650 |
¥51,990,243 |
¥11,090,243 |
| 50 |
1.10% |
¥88,653 |
¥53,191,638 |
¥12,291,638 |
| 50 |
1.20% |
¥90,683 |
¥54,409,545 |
¥13,509,545 |
| 50 |
1.30% |
¥92,740 |
¥55,643,869 |
¥14,743,869 |
| 50 |
1.40% |
¥94,824 |
¥56,894,505 |
¥15,994,505 |
| 50 |
1.50% |
¥96,936 |
¥58,161,344 |
¥17,261,344 |
| 50 |
1.60% |
¥99,074 |
¥59,444,268 |
¥18,544,268 |
| 50 |
1.70% |
¥101,239 |
¥60,743,152 |
¥19,843,152 |
| 50 |
1.80% |
¥103,430 |
¥62,057,864 |
¥21,157,864 |
| 50 |
1.90% |
¥105,647 |
¥63,388,269 |
¥22,488,269 |
| 50 |
2.00% |
¥107,890 |
¥64,734,220 |
¥23,834,220 |
| 50 |
2.10% |
¥110,159 |
¥66,095,570 |
¥25,195,570 |
| 50 |
2.20% |
¥112,454 |
¥67,472,162 |
¥26,572,162 |
| 50 |
2.30% |
¥114,773 |
¥68,863,836 |
¥27,963,836 |
| 50 |
2.40% |
¥117,117 |
¥70,270,425 |
¥29,370,425 |
| 50 |
2.50% |
¥119,486 |
¥71,691,758 |
¥30,791,758 |
| 50 |
2.60% |
¥121,879 |
¥73,127,659 |
¥32,227,659 |
| 50 |
2.70% |
¥124,297 |
¥74,577,948 |
¥33,677,948 |
| 50 |
2.80% |
¥126,737 |
¥76,042,440 |
¥35,142,440 |
| 50 |
2.90% |
¥129,202 |
¥77,520,948 |
¥36,620,948 |
| 50 |
3.00% |
¥131,689 |
¥79,013,278 |
¥38,113,278 |
4090万円｜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% |
¥88,317 |
¥47,691,214 |
¥6,791,214 |
| 45 |
0.80% |
¥90,215 |
¥48,716,254 |
¥7,816,254 |
| 45 |
0.90% |
¥92,139 |
¥49,754,907 |
¥8,854,907 |
| 45 |
1.00% |
¥94,087 |
¥50,807,124 |
¥9,907,124 |
| 45 |
1.10% |
¥96,061 |
¥51,872,851 |
¥10,972,851 |
| 45 |
1.20% |
¥98,059 |
¥52,952,030 |
¥12,052,030 |
| 45 |
1.30% |
¥100,083 |
¥54,044,597 |
¥13,144,597 |
| 45 |
1.40% |
¥102,131 |
¥55,150,483 |
¥14,250,483 |
| 45 |
1.50% |
¥104,203 |
¥56,269,615 |
¥15,369,615 |
| 45 |
1.60% |
¥106,300 |
¥57,401,914 |
¥16,501,914 |
| 45 |
1.70% |
¥108,421 |
¥58,547,297 |
¥17,647,297 |
| 45 |
1.80% |
¥110,566 |
¥59,705,676 |
¥18,805,676 |
| 45 |
1.90% |
¥112,735 |
¥60,876,959 |
¥19,976,959 |
| 45 |
2.00% |
¥114,928 |
¥62,061,050 |
¥21,161,050 |
| 45 |
2.10% |
¥117,144 |
¥63,257,849 |
¥22,357,849 |
| 45 |
2.20% |
¥119,384 |
¥64,467,249 |
¥23,567,249 |
| 45 |
2.30% |
¥121,647 |
¥65,689,144 |
¥24,789,144 |
| 45 |
2.40% |
¥123,932 |
¥66,923,419 |
¥26,023,419 |
| 45 |
2.50% |
¥126,241 |
¥68,169,960 |
¥27,269,960 |
| 45 |
2.60% |
¥128,572 |
¥69,428,647 |
¥28,528,647 |
| 45 |
2.70% |
¥130,925 |
¥70,699,357 |
¥29,799,357 |
| 45 |
2.80% |
¥133,300 |
¥71,981,964 |
¥31,081,964 |
| 45 |
2.90% |
¥135,697 |
¥73,276,338 |
¥32,376,338 |
| 45 |
3.00% |
¥138,115 |
¥74,582,348 |
¥33,682,348 |
4090万円｜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% |
¥97,718 |
¥46,904,715 |
¥6,004,715 |
| 40 |
0.80% |
¥99,596 |
¥47,805,935 |
¥6,905,935 |
| 40 |
0.90% |
¥101,496 |
¥48,717,940 |
¥7,817,940 |
| 40 |
1.00% |
¥103,418 |
¥49,640,699 |
¥8,740,699 |
| 40 |
1.10% |
¥105,363 |
¥50,574,178 |
¥9,674,178 |
| 40 |
1.20% |
¥107,330 |
¥51,518,340 |
¥10,618,340 |
| 40 |
1.30% |
¥109,319 |
¥52,473,144 |
¥11,573,144 |
| 40 |
1.40% |
¥111,330 |
¥53,438,549 |
¥12,538,549 |
| 40 |
1.50% |
¥113,364 |
¥54,414,505 |
¥13,514,505 |
| 40 |
1.60% |
¥115,419 |
¥55,400,964 |
¥14,500,964 |
| 40 |
1.70% |
¥117,496 |
¥56,397,874 |
¥15,497,874 |
| 40 |
1.80% |
¥119,594 |
¥57,405,177 |
¥16,505,177 |
| 40 |
1.90% |
¥121,714 |
¥58,422,816 |
¥17,522,816 |
| 40 |
2.00% |
¥123,856 |
¥59,450,729 |
¥18,550,729 |
| 40 |
2.10% |
¥126,018 |
¥60,488,852 |
¥19,588,852 |
| 40 |
2.20% |
¥128,202 |
¥61,537,118 |
¥20,637,118 |
| 40 |
2.30% |
¥130,407 |
¥62,595,457 |
¥21,695,457 |
| 40 |
2.40% |
¥132,633 |
¥63,663,796 |
¥22,763,796 |
| 40 |
2.50% |
¥134,879 |
¥64,742,062 |
¥23,842,062 |
| 40 |
2.60% |
¥137,146 |
¥65,830,176 |
¥24,930,176 |
| 40 |
2.70% |
¥139,433 |
¥66,928,060 |
¥26,028,060 |
| 40 |
2.80% |
¥141,741 |
¥68,035,632 |
¥27,135,632 |
| 40 |
2.90% |
¥144,068 |
¥69,152,808 |
¥28,252,808 |
| 40 |
3.00% |
¥146,416 |
¥70,279,502 |
¥29,379,502 |
4090万円｜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% |
¥109,825 |
¥46,126,499 |
¥5,226,499 |
| 35 |
0.80% |
¥111,682 |
¥46,906,408 |
¥6,006,408 |
| 35 |
0.90% |
¥113,559 |
¥47,694,593 |
¥6,794,593 |
| 35 |
1.00% |
¥115,455 |
¥48,491,037 |
¥7,591,037 |
| 35 |
1.10% |
¥117,371 |
¥49,295,720 |
¥8,395,720 |
| 35 |
1.20% |
¥119,306 |
¥50,108,619 |
¥9,208,619 |
| 35 |
1.30% |
¥121,261 |
¥50,929,710 |
¥10,029,710 |
| 35 |
1.40% |
¥123,236 |
¥51,758,967 |
¥10,858,967 |
| 35 |
1.50% |
¥125,229 |
¥52,596,363 |
¥11,696,363 |
| 35 |
1.60% |
¥127,243 |
¥53,441,868 |
¥12,541,868 |
| 35 |
1.70% |
¥129,275 |
¥54,295,450 |
¥13,395,450 |
| 35 |
1.80% |
¥131,326 |
¥55,157,076 |
¥14,257,076 |
| 35 |
1.90% |
¥133,397 |
¥56,026,711 |
¥15,126,711 |
| 35 |
2.00% |
¥135,486 |
¥56,904,319 |
¥16,004,319 |
| 35 |
2.10% |
¥137,595 |
¥57,789,859 |
¥16,889,859 |
| 35 |
2.20% |
¥139,722 |
¥58,683,293 |
¥17,783,293 |
| 35 |
2.30% |
¥141,868 |
¥59,584,579 |
¥18,684,579 |
| 35 |
2.40% |
¥144,033 |
¥60,493,672 |
¥19,593,672 |
| 35 |
2.50% |
¥146,216 |
¥61,410,528 |
¥20,510,528 |
| 35 |
2.60% |
¥148,417 |
¥62,335,100 |
¥21,435,100 |
| 35 |
2.70% |
¥150,637 |
¥63,267,340 |
¥22,367,340 |
| 35 |
2.80% |
¥152,874 |
¥64,207,199 |
¥23,307,199 |
| 35 |
2.90% |
¥155,130 |
¥65,154,625 |
¥24,254,625 |
| 35 |
3.00% |
¥157,404 |
¥66,109,566 |
¥25,209,566 |
4090万円｜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% |
¥125,991 |
¥45,356,581 |
¥4,456,581 |
| 30 |
0.80% |
¥127,827 |
¥46,017,698 |
¥5,117,698 |
| 30 |
0.90% |
¥129,680 |
¥46,684,909 |
¥5,784,909 |
| 30 |
1.00% |
¥131,551 |
¥47,358,203 |
¥6,458,203 |
| 30 |
1.10% |
¥133,438 |
¥48,037,569 |
¥7,137,569 |
| 30 |
1.20% |
¥135,342 |
¥48,722,996 |
¥7,822,996 |
| 30 |
1.30% |
¥137,262 |
¥49,414,470 |
¥8,514,470 |
| 30 |
1.40% |
¥139,200 |
¥50,111,976 |
¥9,211,976 |
| 30 |
1.50% |
¥141,154 |
¥50,815,500 |
¥9,915,500 |
| 30 |
1.60% |
¥143,125 |
¥51,525,024 |
¥10,625,024 |
| 30 |
1.70% |
¥145,113 |
¥52,240,533 |
¥11,340,533 |
| 30 |
1.80% |
¥147,117 |
¥52,962,006 |
¥12,062,006 |
| 30 |
1.90% |
¥149,137 |
¥53,689,426 |
¥12,789,426 |
| 30 |
2.00% |
¥151,174 |
¥54,422,771 |
¥13,522,771 |
| 30 |
2.10% |
¥153,228 |
¥55,162,021 |
¥14,262,021 |
| 30 |
2.20% |
¥155,298 |
¥55,907,152 |
¥15,007,152 |
| 30 |
2.30% |
¥157,384 |
¥56,658,142 |
¥15,758,142 |
| 30 |
2.40% |
¥159,486 |
¥57,414,967 |
¥16,514,967 |
| 30 |
2.50% |
¥161,604 |
¥58,177,601 |
¥17,277,601 |
| 30 |
2.60% |
¥163,739 |
¥58,946,019 |
¥18,046,019 |
| 30 |
2.70% |
¥165,889 |
¥59,720,194 |
¥18,820,194 |
| 30 |
2.80% |
¥168,056 |
¥60,500,098 |
¥19,600,098 |
| 30 |
2.90% |
¥170,238 |
¥61,285,702 |
¥20,385,702 |
| 30 |
3.00% |
¥172,436 |
¥62,076,978 |
¥21,176,978 |
4090万円｜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% |
¥148,650 |
¥44,594,975 |
¥3,694,975 |
| 25 |
0.80% |
¥150,466 |
¥45,139,829 |
¥4,239,829 |
| 25 |
0.90% |
¥152,296 |
¥45,688,923 |
¥4,788,923 |
| 25 |
1.00% |
¥154,141 |
¥46,242,250 |
¥5,342,250 |
| 25 |
1.10% |
¥155,999 |
¥46,799,806 |
¥5,899,806 |
| 25 |
1.20% |
¥157,872 |
¥47,361,585 |
¥6,461,585 |
| 25 |
1.30% |
¥159,759 |
¥47,927,579 |
¥7,027,579 |
| 25 |
1.40% |
¥161,659 |
¥48,497,783 |
¥7,597,783 |
| 25 |
1.50% |
¥163,574 |
¥49,072,187 |
¥8,172,187 |
| 25 |
1.60% |
¥165,503 |
¥49,650,785 |
¥8,750,785 |
| 25 |
1.70% |
¥167,445 |
¥50,233,567 |
¥9,333,567 |
| 25 |
1.80% |
¥169,402 |
¥50,820,525 |
¥9,920,525 |
| 25 |
1.90% |
¥171,372 |
¥51,411,648 |
¥10,511,648 |
| 25 |
2.00% |
¥173,356 |
¥52,006,927 |
¥11,106,927 |
| 25 |
2.10% |
¥175,355 |
¥52,606,352 |
¥11,706,352 |
| 25 |
2.20% |
¥177,366 |
¥53,209,910 |
¥12,309,910 |
| 25 |
2.30% |
¥179,392 |
¥53,817,591 |
¥12,917,591 |
| 25 |
2.40% |
¥181,431 |
¥54,429,383 |
¥13,529,383 |
| 25 |
2.50% |
¥183,484 |
¥55,045,273 |
¥14,145,273 |
| 25 |
2.60% |
¥185,551 |
¥55,665,249 |
¥14,765,249 |
| 25 |
2.70% |
¥187,631 |
¥56,289,296 |
¥15,389,296 |
| 25 |
2.80% |
¥189,725 |
¥56,917,401 |
¥16,017,401 |
| 25 |
2.90% |
¥191,832 |
¥57,549,550 |
¥16,649,550 |
| 25 |
3.00% |
¥193,952 |
¥58,185,728 |
¥17,285,728 |
4090万円｜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% |
¥182,674 |
¥43,841,690 |
¥2,941,690 |
| 20 |
0.80% |
¥184,470 |
¥44,272,819 |
¥3,372,819 |
| 20 |
0.90% |
¥186,278 |
¥44,706,665 |
¥3,806,665 |
| 20 |
1.00% |
¥188,097 |
¥45,143,225 |
¥4,243,225 |
| 20 |
1.10% |
¥189,927 |
¥45,582,498 |
¥4,682,498 |
| 20 |
1.20% |
¥191,769 |
¥46,024,481 |
¥5,124,481 |
| 20 |
1.30% |
¥193,622 |
¥46,469,170 |
¥5,569,170 |
| 20 |
1.40% |
¥195,486 |
¥46,916,563 |
¥6,016,563 |
| 20 |
1.50% |
¥197,361 |
¥47,366,657 |
¥6,466,657 |
| 20 |
1.60% |
¥199,248 |
¥47,819,448 |
¥6,919,448 |
| 20 |
1.70% |
¥201,146 |
¥48,274,933 |
¥7,374,933 |
| 20 |
1.80% |
¥203,055 |
¥48,733,107 |
¥7,833,107 |
| 20 |
1.90% |
¥204,975 |
¥49,193,967 |
¥8,293,967 |
| 20 |
2.00% |
¥206,906 |
¥49,657,508 |
¥8,757,508 |
| 20 |
2.10% |
¥208,849 |
¥50,123,726 |
¥9,223,726 |
| 20 |
2.20% |
¥210,803 |
¥50,592,616 |
¥9,692,616 |
| 20 |
2.30% |
¥212,767 |
¥51,064,173 |
¥10,164,173 |
| 20 |
2.40% |
¥214,743 |
¥51,538,392 |
¥10,638,392 |
| 20 |
2.50% |
¥216,730 |
¥52,015,268 |
¥11,115,268 |
| 20 |
2.60% |
¥218,728 |
¥52,494,795 |
¥11,594,795 |
| 20 |
2.70% |
¥220,737 |
¥52,976,968 |
¥12,076,968 |
| 20 |
2.80% |
¥222,757 |
¥53,461,781 |
¥12,561,781 |
| 20 |
2.90% |
¥224,788 |
¥53,949,227 |
¥13,049,227 |
| 20 |
3.00% |
¥226,830 |
¥54,439,300 |
¥13,539,300 |
4090万円｜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% |
¥239,426 |
¥43,096,737 |
¥2,196,737 |
| 15 |
0.80% |
¥241,204 |
¥43,416,684 |
¥2,516,684 |
| 15 |
0.90% |
¥242,990 |
¥43,738,160 |
¥2,838,160 |
| 15 |
1.00% |
¥244,784 |
¥44,061,166 |
¥3,161,166 |
| 15 |
1.10% |
¥246,587 |
¥44,385,700 |
¥3,485,700 |
| 15 |
1.20% |
¥248,399 |
¥44,711,762 |
¥3,811,762 |
| 15 |
1.30% |
¥250,219 |
¥45,039,350 |
¥4,139,350 |
| 15 |
1.40% |
¥252,047 |
¥45,368,463 |
¥4,468,463 |
| 15 |
1.50% |
¥253,884 |
¥45,699,101 |
¥4,799,101 |
| 15 |
1.60% |
¥255,729 |
¥46,031,262 |
¥5,131,262 |
| 15 |
1.70% |
¥257,583 |
¥46,364,945 |
¥5,464,945 |
| 15 |
1.80% |
¥259,445 |
¥46,700,148 |
¥5,800,148 |
| 15 |
1.90% |
¥261,316 |
¥47,036,870 |
¥6,136,870 |
| 15 |
2.00% |
¥263,195 |
¥47,375,111 |
¥6,475,111 |
| 15 |
2.10% |
¥265,083 |
¥47,714,867 |
¥6,814,867 |
| 15 |
2.20% |
¥266,979 |
¥48,056,138 |
¥7,156,138 |
| 15 |
2.30% |
¥268,883 |
¥48,398,922 |
¥7,498,922 |
| 15 |
2.40% |
¥270,796 |
¥48,743,217 |
¥7,843,217 |
| 15 |
2.50% |
¥272,717 |
¥49,089,022 |
¥8,189,022 |
| 15 |
2.60% |
¥274,646 |
¥49,436,334 |
¥8,536,334 |
| 15 |
2.70% |
¥276,584 |
¥49,785,152 |
¥8,885,152 |
| 15 |
2.80% |
¥278,530 |
¥50,135,474 |
¥9,235,474 |
| 15 |
2.90% |
¥280,485 |
¥50,487,297 |
¥9,587,297 |
| 15 |
3.00% |
¥282,448 |
¥50,840,620 |
¥9,940,620 |
4090万円｜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% |
¥353,001 |
¥42,360,123 |
¥1,460,123 |
| 10 |
0.80% |
¥354,762 |
¥42,571,436 |
¥1,671,436 |
| 10 |
0.90% |
¥356,529 |
¥42,783,429 |
¥1,883,429 |
| 10 |
1.00% |
¥358,301 |
¥42,996,103 |
¥2,096,103 |
| 10 |
1.10% |
¥360,079 |
¥43,209,457 |
¥2,309,457 |
| 10 |
1.20% |
¥361,862 |
¥43,423,490 |
¥2,523,490 |
| 10 |
1.30% |
¥363,652 |
¥43,638,204 |
¥2,738,204 |
| 10 |
1.40% |
¥365,447 |
¥43,853,596 |
¥2,953,596 |
| 10 |
1.50% |
¥367,247 |
¥44,069,668 |
¥3,169,668 |
| 10 |
1.60% |
¥369,053 |
¥44,286,419 |
¥3,386,419 |
| 10 |
1.70% |
¥370,865 |
¥44,503,848 |
¥3,603,848 |
| 10 |
1.80% |
¥372,683 |
¥44,721,955 |
¥3,821,955 |
| 10 |
1.90% |
¥374,506 |
¥44,940,740 |
¥4,040,740 |
| 10 |
2.00% |
¥376,335 |
¥45,160,203 |
¥4,260,203 |
| 10 |
2.10% |
¥378,170 |
¥45,380,343 |
¥4,480,343 |
| 10 |
2.20% |
¥380,010 |
¥45,601,160 |
¥4,701,160 |
| 10 |
2.30% |
¥381,855 |
¥45,822,653 |
¥4,922,653 |
| 10 |
2.40% |
¥383,707 |
¥46,044,823 |
¥5,144,823 |
| 10 |
2.50% |
¥385,564 |
¥46,267,668 |
¥5,367,668 |
| 10 |
2.60% |
¥387,427 |
¥46,491,188 |
¥5,591,188 |
| 10 |
2.70% |
¥389,295 |
¥46,715,383 |
¥5,815,383 |
| 10 |
2.80% |
¥391,169 |
¥46,940,253 |
¥6,040,253 |
| 10 |
2.90% |
¥393,048 |
¥47,165,796 |
¥6,265,796 |
| 10 |
3.00% |
¥394,933 |
¥47,392,013 |
¥6,492,013 |
