4860万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。4860万円の住宅ローンが、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。
4860万円の住宅ローン｜期間・年数別
4860万円｜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% | ¥96,024 | ¥57,614,145 | ¥9,014,145 |
| 50 | 0.80% | ¥98,304 | ¥58,982,263 | ¥10,382,263 |
| 50 | 0.90% | ¥100,617 | ¥60,370,289 | ¥11,770,289 |
| 50 | 1.00% | ¥102,964 | ¥61,778,137 | ¥13,178,137 |
| 50 | 1.10% | ¥105,343 | ¥63,205,711 | ¥14,605,711 |
| 50 | 1.20% | ¥107,755 | ¥64,652,907 | ¥16,052,907 |
| 50 | 1.30% | ¥110,199 | ¥66,119,609 | ¥17,519,609 |
| 50 | 1.40% | ¥112,676 | ¥67,605,696 | ¥19,005,696 |
| 50 | 1.50% | ¥115,185 | ¥69,111,035 | ¥20,511,035 |
| 50 | 1.60% | ¥117,726 | ¥70,635,487 | ¥22,035,487 |
| 50 | 1.70% | ¥120,298 | ¥72,178,904 | ¥23,578,904 |
| 50 | 1.80% | ¥122,902 | ¥73,741,130 | ¥25,141,130 |
| 50 | 1.90% | ¥125,537 | ¥75,322,001 | ¥26,722,001 |
| 50 | 2.00% | ¥128,202 | ¥76,921,347 | ¥28,321,347 |
| 50 | 2.10% | ¥130,898 | ¥78,538,990 | ¥29,938,990 |
| 50 | 2.20% | ¥133,625 | ¥80,174,745 | ¥31,574,745 |
| 50 | 2.30% | ¥136,381 | ¥81,828,421 | ¥33,228,421 |
| 50 | 2.40% | ¥139,166 | ¥83,499,820 | ¥34,899,820 |
| 50 | 2.50% | ¥141,981 | ¥85,188,739 | ¥36,588,739 |
| 50 | 2.60% | ¥144,825 | ¥86,894,969 | ¥38,294,969 |
| 50 | 2.70% | ¥147,697 | ¥88,618,295 | ¥40,018,295 |
| 50 | 2.80% | ¥150,597 | ¥90,358,499 | ¥41,758,499 |
| 50 | 2.90% | ¥153,526 | ¥92,115,356 | ¥43,515,356 |
| 50 | 3.00% | ¥156,481 | ¥93,888,638 | ¥45,288,638 |
4860万円｜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% | ¥104,944 | ¥56,669,755 | ¥8,069,755 |
| 45 | 0.80% | ¥107,200 | ¥57,887,774 | ¥9,287,774 |
| 45 | 0.90% | ¥109,485 | ¥59,121,968 | ¥10,521,968 |
| 45 | 1.00% | ¥111,801 | ¥60,372,279 | ¥11,772,279 |
| 45 | 1.10% | ¥114,146 | ¥61,638,645 | ¥13,038,645 |
| 45 | 1.20% | ¥116,520 | ¥62,920,994 | ¥14,320,994 |
| 45 | 1.30% | ¥118,925 | ¥64,219,252 | ¥15,619,252 |
| 45 | 1.40% | ¥121,358 | ¥65,533,337 | ¥16,933,337 |
| 45 | 1.50% | ¥123,821 | ¥66,863,161 | ¥18,263,161 |
| 45 | 1.60% | ¥126,312 | ¥68,208,631 | ¥19,608,631 |
| 45 | 1.70% | ¥128,833 | ¥69,569,648 | ¥20,969,648 |
| 45 | 1.80% | ¥131,382 | ¥70,946,109 | ¥22,346,109 |
| 45 | 1.90% | ¥133,959 | ¥72,337,903 | ¥23,737,903 |
| 45 | 2.00% | ¥136,565 | ¥73,744,915 | ¥25,144,915 |
| 45 | 2.10% | ¥139,198 | ¥75,167,028 | ¥26,567,028 |
| 45 | 2.20% | ¥141,859 | ¥76,604,115 | ¥28,004,115 |
| 45 | 2.30% | ¥144,548 | ¥78,056,048 | ¥29,456,048 |
| 45 | 2.40% | ¥147,264 | ¥79,522,694 | ¥30,922,694 |
| 45 | 2.50% | ¥150,007 | ¥81,003,914 | ¥32,403,914 |
| 45 | 2.60% | ¥152,777 | ¥82,499,566 | ¥33,899,566 |
| 45 | 2.70% | ¥155,573 | ¥84,009,505 | ¥35,409,505 |
| 45 | 2.80% | ¥158,396 | ¥85,533,580 | ¥36,933,580 |
| 45 | 2.90% | ¥161,244 | ¥87,071,639 | ¥38,471,639 |
| 45 | 3.00% | ¥164,118 | ¥88,623,523 | ¥40,023,523 |
4860万円｜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% | ¥116,115 | ¥55,735,187 | ¥7,135,187 |
| 40 | 0.80% | ¥118,346 | ¥56,806,075 | ¥8,206,075 |
| 40 | 0.90% | ¥120,604 | ¥57,889,777 | ¥9,289,777 |
| 40 | 1.00% | ¥122,888 | ¥58,986,258 | ¥10,386,258 |
| 40 | 1.10% | ¥125,199 | ¥60,095,478 | ¥11,495,478 |
| 40 | 1.20% | ¥127,536 | ¥61,217,391 | ¥12,617,391 |
| 40 | 1.30% | ¥129,900 | ¥62,351,952 | ¥13,751,952 |
| 40 | 1.40% | ¥132,290 | ¥63,499,107 | ¥14,899,107 |
| 40 | 1.50% | ¥134,706 | ¥64,658,801 | ¥16,058,801 |
| 40 | 1.60% | ¥137,148 | ¥65,830,975 | ¥17,230,975 |
| 40 | 1.70% | ¥139,616 | ¥67,015,566 | ¥18,415,566 |
| 40 | 1.80% | ¥142,109 | ¥68,212,509 | ¥19,612,509 |
| 40 | 1.90% | ¥144,629 | ¥69,421,733 | ¥20,821,733 |
| 40 | 2.00% | ¥147,173 | ¥70,643,165 | ¥22,043,165 |
| 40 | 2.10% | ¥149,743 | ¥71,876,729 | ¥23,276,729 |
| 40 | 2.20% | ¥152,338 | ¥73,122,345 | ¥24,522,345 |
| 40 | 2.30% | ¥154,958 | ¥74,379,931 | ¥25,779,931 |
| 40 | 2.40% | ¥157,603 | ¥75,649,401 | ¥27,049,401 |
| 40 | 2.50% | ¥160,272 | ¥76,930,665 | ¥28,330,665 |
| 40 | 2.60% | ¥162,966 | ¥78,223,632 | ¥29,623,632 |
| 40 | 2.70% | ¥165,684 | ¥79,528,209 | ¥30,928,209 |
| 40 | 2.80% | ¥168,426 | ¥80,844,296 | ¥32,244,296 |
| 40 | 2.90% | ¥171,191 | ¥82,171,796 | ¥33,571,796 |
| 40 | 3.00% | ¥173,980 | ¥83,510,606 | ¥34,910,606 |
4860万円｜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% | ¥130,501 | ¥54,810,461 | ¥6,210,461 |
| 35 | 0.80% | ¥132,708 | ¥55,737,199 | ¥7,137,199 |
| 35 | 0.90% | ¥134,938 | ¥56,673,771 | ¥8,073,771 |
| 35 | 1.00% | ¥137,191 | ¥57,620,157 | ¥9,020,157 |
| 35 | 1.10% | ¥139,467 | ¥58,576,332 | ¥9,976,332 |
| 35 | 1.20% | ¥141,767 | ¥59,542,270 | ¥10,942,270 |
| 35 | 1.30% | ¥144,090 | ¥60,517,944 | ¥11,917,944 |
| 35 | 1.40% | ¥146,436 | ¥61,503,320 | ¥12,903,320 |
| 35 | 1.50% | ¥148,806 | ¥62,498,368 | ¥13,898,368 |
| 35 | 1.60% | ¥151,198 | ¥63,503,051 | ¥14,903,051 |
| 35 | 1.70% | ¥153,613 | ¥64,517,332 | ¥15,917,332 |
| 35 | 1.80% | ¥156,050 | ¥65,541,171 | ¥16,941,171 |
| 35 | 1.90% | ¥158,511 | ¥66,574,527 | ¥17,974,527 |
| 35 | 2.00% | ¥160,994 | ¥67,617,357 | ¥19,017,357 |
| 35 | 2.10% | ¥163,499 | ¥68,669,613 | ¥20,069,613 |
| 35 | 2.20% | ¥166,027 | ¥69,731,248 | ¥21,131,248 |
| 35 | 2.30% | ¥168,577 | ¥70,802,213 | ¥22,202,213 |
| 35 | 2.40% | ¥171,149 | ¥71,882,456 | ¥23,282,456 |
| 35 | 2.50% | ¥173,743 | ¥72,971,923 | ¥24,371,923 |
| 35 | 2.60% | ¥176,358 | ¥74,070,559 | ¥25,470,559 |
| 35 | 2.70% | ¥178,996 | ¥75,178,307 | ¥26,578,307 |
| 35 | 2.80% | ¥181,655 | ¥76,295,107 | ¥27,695,107 |
| 35 | 2.90% | ¥184,335 | ¥77,420,899 | ¥28,820,899 |
| 35 | 3.00% | ¥187,037 | ¥78,555,621 | ¥29,955,621 |
4860万円｜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% | ¥149,710 | ¥53,895,596 | ¥5,295,596 |
| 30 | 0.80% | ¥151,892 | ¥54,681,177 | ¥6,081,177 |
| 30 | 0.90% | ¥154,094 | ¥55,473,999 | ¥6,873,999 |
| 30 | 1.00% | ¥156,317 | ¥56,274,050 | ¥7,674,050 |
| 30 | 1.10% | ¥158,559 | ¥57,081,317 | ¥8,481,317 |
| 30 | 1.20% | ¥160,822 | ¥57,895,785 | ¥9,295,785 |
| 30 | 1.30% | ¥163,104 | ¥58,717,438 | ¥10,117,438 |
| 30 | 1.40% | ¥165,406 | ¥59,546,260 | ¥10,946,260 |
| 30 | 1.50% | ¥167,728 | ¥60,382,232 | ¥11,782,232 |
| 30 | 1.60% | ¥170,070 | ¥61,225,335 | ¥12,625,335 |
| 30 | 1.70% | ¥172,432 | ¥62,075,548 | ¥13,475,548 |
| 30 | 1.80% | ¥174,813 | ¥62,932,849 | ¥14,332,849 |
| 30 | 1.90% | ¥177,214 | ¥63,797,215 | ¥15,197,215 |
| 30 | 2.00% | ¥179,635 | ¥64,668,623 | ¥16,068,623 |
| 30 | 2.10% | ¥182,075 | ¥65,547,046 | ¥16,947,046 |
| 30 | 2.20% | ¥184,535 | ¥66,432,459 | ¥17,832,459 |
| 30 | 2.30% | ¥187,013 | ¥67,324,834 | ¥18,724,834 |
| 30 | 2.40% | ¥189,512 | ¥68,224,141 | ¥19,624,141 |
| 30 | 2.50% | ¥192,029 | ¥69,130,352 | ¥20,530,352 |
| 30 | 2.60% | ¥194,565 | ¥70,043,436 | ¥21,443,436 |
| 30 | 2.70% | ¥197,120 | ¥70,963,360 | ¥22,363,360 |
| 30 | 2.80% | ¥199,695 | ¥71,890,092 | ¥23,290,092 |
| 30 | 2.90% | ¥202,288 | ¥72,823,597 | ¥24,223,597 |
| 30 | 3.00% | ¥204,900 | ¥73,763,842 | ¥25,163,842 |
4860万円｜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% | ¥176,635 | ¥52,990,606 | ¥4,390,606 |
| 25 | 0.80% | ¥178,793 | ¥53,638,036 | ¥5,038,036 |
| 25 | 0.90% | ¥180,968 | ¥54,290,505 | ¥5,690,505 |
| 25 | 1.00% | ¥183,160 | ¥54,948,004 | ¥6,348,004 |
| 25 | 1.10% | ¥185,368 | ¥55,610,528 | ¥7,010,528 |
| 25 | 1.20% | ¥187,594 | ¥56,278,069 | ¥7,678,069 |
| 25 | 1.30% | ¥189,835 | ¥56,950,620 | ¥8,350,620 |
| 25 | 1.40% | ¥192,094 | ¥57,628,172 | ¥9,028,172 |
| 25 | 1.50% | ¥194,369 | ¥58,310,716 | ¥9,710,716 |
| 25 | 1.60% | ¥196,661 | ¥58,998,243 | ¥10,398,243 |
| 25 | 1.70% | ¥198,969 | ¥59,690,742 | ¥11,090,742 |
| 25 | 1.80% | ¥201,294 | ¥60,388,203 | ¥11,788,203 |
| 25 | 1.90% | ¥203,635 | ¥61,090,614 | ¥12,490,614 |
| 25 | 2.00% | ¥205,993 | ¥61,797,963 | ¥13,197,963 |
| 25 | 2.10% | ¥208,367 | ¥62,510,237 | ¥13,910,237 |
| 25 | 2.20% | ¥210,758 | ¥63,227,424 | ¥14,627,424 |
| 25 | 2.30% | ¥213,165 | ¥63,949,510 | ¥15,349,510 |
| 25 | 2.40% | ¥215,588 | ¥64,676,480 | ¥16,076,480 |
| 25 | 2.50% | ¥218,028 | ¥65,408,320 | ¥16,808,320 |
| 25 | 2.60% | ¥220,483 | ¥66,145,014 | ¥17,545,014 |
| 25 | 2.70% | ¥222,955 | ¥66,886,547 | ¥18,286,547 |
| 25 | 2.80% | ¥225,443 | ¥67,632,902 | ¥19,032,902 |
| 25 | 2.90% | ¥227,947 | ¥68,384,062 | ¥19,784,062 |
| 25 | 3.00% | ¥230,467 | ¥69,140,010 | ¥20,540,010 |
4860万円｜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% | ¥217,065 | ¥52,095,505 | ¥3,495,505 |
| 20 | 0.80% | ¥219,199 | ¥52,607,799 | ¥4,007,799 |
| 20 | 0.90% | ¥221,347 | ¥53,123,323 | ¥4,523,323 |
| 20 | 1.00% | ¥223,509 | ¥53,642,072 | ¥5,042,072 |
| 20 | 1.10% | ¥225,684 | ¥54,164,044 | ¥5,564,044 |
| 20 | 1.20% | ¥227,872 | ¥54,689,236 | ¥6,089,236 |
| 20 | 1.30% | ¥230,074 | ¥55,217,645 | ¥6,617,645 |
| 20 | 1.40% | ¥232,289 | ¥55,749,266 | ¥7,149,266 |
| 20 | 1.50% | ¥234,517 | ¥56,284,096 | ¥7,684,096 |
| 20 | 1.60% | ¥236,759 | ¥56,822,132 | ¥8,222,132 |
| 20 | 1.70% | ¥239,014 | ¥57,363,368 | ¥8,763,368 |
| 20 | 1.80% | ¥241,282 | ¥57,907,800 | ¥9,307,800 |
| 20 | 1.90% | ¥243,564 | ¥58,455,423 | ¥9,855,423 |
| 20 | 2.00% | ¥245,859 | ¥59,006,232 | ¥10,406,232 |
| 20 | 2.10% | ¥248,168 | ¥59,560,222 | ¥10,960,222 |
| 20 | 2.20% | ¥250,489 | ¥60,117,387 | ¥11,517,387 |
| 20 | 2.30% | ¥252,824 | ¥60,677,721 | ¥12,077,721 |
| 20 | 2.40% | ¥255,172 | ¥61,241,219 | ¥12,641,219 |
| 20 | 2.50% | ¥257,533 | ¥61,807,873 | ¥13,207,873 |
| 20 | 2.60% | ¥259,907 | ¥62,377,678 | ¥13,777,678 |
| 20 | 2.70% | ¥262,294 | ¥62,950,627 | ¥14,350,627 |
| 20 | 2.80% | ¥264,695 | ¥63,526,712 | ¥14,926,712 |
| 20 | 2.90% | ¥267,108 | ¥64,105,927 | ¥15,505,927 |
| 20 | 3.00% | ¥269,534 | ¥64,688,264 | ¥16,088,264 |
4860万円｜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% | ¥284,502 | ¥51,210,304 | ¥2,610,304 |
| 15 | 0.80% | ¥286,614 | ¥51,590,485 | ¥2,990,485 |
| 15 | 0.90% | ¥288,736 | ¥51,972,484 | ¥3,372,484 |
| 15 | 1.00% | ¥290,868 | ¥52,356,300 | ¥3,756,300 |
| 15 | 1.10% | ¥293,011 | ¥52,741,932 | ¥4,141,932 |
| 15 | 1.20% | ¥295,163 | ¥53,129,380 | ¥4,529,380 |
| 15 | 1.30% | ¥297,326 | ¥53,518,641 | ¥4,918,641 |
| 15 | 1.40% | ¥299,498 | ¥53,909,714 | ¥5,309,714 |
| 15 | 1.50% | ¥301,681 | ¥54,302,599 | ¥5,702,599 |
| 15 | 1.60% | ¥303,874 | ¥54,697,294 | ¥6,097,294 |
| 15 | 1.70% | ¥306,077 | ¥55,093,797 | ¥6,493,797 |
| 15 | 1.80% | ¥308,289 | ¥55,492,107 | ¥6,892,107 |
| 15 | 1.90% | ¥310,512 | ¥55,892,223 | ¥7,292,223 |
| 15 | 2.00% | ¥312,745 | ¥56,294,141 | ¥7,694,141 |
| 15 | 2.10% | ¥314,988 | ¥56,697,861 | ¥8,097,861 |
| 15 | 2.20% | ¥317,241 | ¥57,103,381 | ¥8,503,381 |
| 15 | 2.30% | ¥319,504 | ¥57,510,699 | ¥8,910,699 |
| 15 | 2.40% | ¥321,777 | ¥57,919,813 | ¥9,319,813 |
| 15 | 2.50% | ¥324,060 | ¥58,330,720 | ¥9,730,720 |
| 15 | 2.60% | ¥326,352 | ¥58,743,419 | ¥10,143,419 |
| 15 | 2.70% | ¥328,655 | ¥59,157,907 | ¥10,557,907 |
| 15 | 2.80% | ¥330,968 | ¥59,574,181 | ¥10,974,181 |
| 15 | 2.90% | ¥333,290 | ¥59,992,241 | ¥11,392,241 |
| 15 | 3.00% | ¥335,623 | ¥60,412,082 | ¥11,812,082 |
4860万円｜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% | ¥419,458 | ¥50,335,011 | ¥1,735,011 |
| 10 | 0.80% | ¥421,551 | ¥50,586,107 | ¥1,986,107 |
| 10 | 0.90% | ¥423,650 | ¥50,838,011 | ¥2,238,011 |
| 10 | 1.00% | ¥425,756 | ¥51,090,724 | ¥2,490,724 |
| 10 | 1.10% | ¥427,869 | ¥51,344,244 | ¥2,744,244 |
| 10 | 1.20% | ¥429,988 | ¥51,598,573 | ¥2,998,573 |
| 10 | 1.30% | ¥432,114 | ¥51,853,709 | ¥3,253,709 |
| 10 | 1.40% | ¥434,247 | ¥52,109,652 | ¥3,509,652 |
| 10 | 1.50% | ¥436,387 | ¥52,366,403 | ¥3,766,403 |
| 10 | 1.60% | ¥438,533 | ¥52,623,960 | ¥4,023,960 |
| 10 | 1.70% | ¥440,686 | ¥52,882,323 | ¥4,282,323 |
| 10 | 1.80% | ¥442,846 | ¥53,141,492 | ¥4,541,492 |
| 10 | 1.90% | ¥445,012 | ¥53,401,467 | ¥4,801,467 |
| 10 | 2.00% | ¥447,185 | ¥53,662,246 | ¥5,062,246 |
| 10 | 2.10% | ¥449,365 | ¥53,923,831 | ¥5,323,831 |
| 10 | 2.20% | ¥451,552 | ¥54,186,219 | ¥5,586,219 |
| 10 | 2.30% | ¥453,745 | ¥54,449,412 | ¥5,849,412 |
| 10 | 2.40% | ¥455,945 | ¥54,713,408 | ¥6,113,408 |
| 10 | 2.50% | ¥458,152 | ¥54,978,207 | ¥6,378,207 |
| 10 | 2.60% | ¥460,365 | ¥55,243,808 | ¥6,643,808 |
| 10 | 2.70% | ¥462,585 | ¥55,510,211 | ¥6,910,211 |
| 10 | 2.80% | ¥464,812 | ¥55,777,415 | ¥7,177,415 |
| 10 | 2.90% | ¥467,045 | ¥56,045,421 | ¥7,445,421 |
| 10 | 3.00% | ¥469,285 | ¥56,314,226 | ¥7,714,226 |
