4890万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。4890万円の住宅ローンが、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。
4890万円の住宅ローン｜期間・年数別
4890万円｜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% | ¥96,616 | ¥57,969,788 | ¥9,069,788 |
| 50 | 0.80% | ¥98,911 | ¥59,346,351 | ¥10,446,351 |
| 50 | 0.90% | ¥101,238 | ¥60,742,945 | ¥11,842,945 |
| 50 | 1.00% | ¥103,599 | ¥62,159,483 | ¥13,259,483 |
| 50 | 1.10% | ¥105,993 | ¥63,595,870 | ¥14,695,870 |
| 50 | 1.20% | ¥108,420 | ¥65,051,999 | ¥16,151,999 |
| 50 | 1.30% | ¥110,880 | ¥66,527,755 | ¥17,627,755 |
| 50 | 1.40% | ¥113,372 | ¥68,023,015 | ¥19,123,015 |
| 50 | 1.50% | ¥115,896 | ¥69,537,646 | ¥20,637,646 |
| 50 | 1.60% | ¥118,453 | ¥71,071,508 | ¥22,171,508 |
| 50 | 1.70% | ¥121,041 | ¥72,624,453 | ¥23,724,453 |
| 50 | 1.80% | ¥123,661 | ¥74,196,322 | ¥25,296,322 |
| 50 | 1.90% | ¥126,312 | ¥75,786,952 | ¥26,886,952 |
| 50 | 2.00% | ¥128,994 | ¥77,396,171 | ¥28,496,171 |
| 50 | 2.10% | ¥131,706 | ¥79,023,799 | ¥30,123,799 |
| 50 | 2.20% | ¥134,449 | ¥80,669,651 | ¥31,769,651 |
| 50 | 2.30% | ¥137,223 | ¥82,333,535 | ¥33,433,535 |
| 50 | 2.40% | ¥140,025 | ¥84,015,251 | ¥35,115,251 |
| 50 | 2.50% | ¥142,858 | ¥85,714,595 | ¥36,814,595 |
| 50 | 2.60% | ¥145,719 | ¥87,431,357 | ¥38,531,357 |
| 50 | 2.70% | ¥148,609 | ¥89,165,321 | ¥40,265,321 |
| 50 | 2.80% | ¥151,527 | ¥90,916,267 | ¥42,016,267 |
| 50 | 2.90% | ¥154,473 | ¥92,683,969 | ¥43,783,969 |
| 50 | 3.00% | ¥157,447 | ¥94,468,198 | ¥45,568,198 |
4890万円｜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% | ¥105,592 | ¥57,019,569 | ¥8,119,569 |
| 45 | 0.80% | ¥107,861 | ¥58,245,106 | ¥9,345,106 |
| 45 | 0.90% | ¥110,161 | ¥59,486,918 | ¥10,586,918 |
| 45 | 1.00% | ¥112,491 | ¥60,744,948 | ¥11,844,948 |
| 45 | 1.10% | ¥114,850 | ¥62,019,130 | ¥13,119,130 |
| 45 | 1.20% | ¥117,240 | ¥63,309,396 | ¥14,409,396 |
| 45 | 1.30% | ¥119,659 | ¥64,615,667 | ¥15,715,667 |
| 45 | 1.40% | ¥122,107 | ¥65,937,864 | ¥17,037,864 |
| 45 | 1.50% | ¥124,585 | ¥67,275,897 | ¥18,375,897 |
| 45 | 1.60% | ¥127,092 | ¥68,629,672 | ¥19,729,672 |
| 45 | 1.70% | ¥129,628 | ¥69,999,091 | ¥21,099,091 |
| 45 | 1.80% | ¥132,193 | ¥71,384,048 | ¥22,484,048 |
| 45 | 1.90% | ¥134,786 | ¥72,784,433 | ¥23,884,433 |
| 45 | 2.00% | ¥137,408 | ¥74,200,131 | ¥25,300,131 |
| 45 | 2.10% | ¥140,057 | ¥75,631,022 | ¥26,731,022 |
| 45 | 2.20% | ¥142,735 | ¥77,076,980 | ¥28,176,980 |
| 45 | 2.30% | ¥145,441 | ¥78,537,876 | ¥29,637,876 |
| 45 | 2.40% | ¥148,173 | ¥80,013,575 | ¥31,113,575 |
| 45 | 2.50% | ¥150,933 | ¥81,503,938 | ¥32,603,938 |
| 45 | 2.60% | ¥153,720 | ¥83,008,823 | ¥34,108,823 |
| 45 | 2.70% | ¥156,533 | ¥84,528,082 | ¥35,628,082 |
| 45 | 2.80% | ¥159,373 | ¥86,061,565 | ¥37,161,565 |
| 45 | 2.90% | ¥162,239 | ¥87,609,118 | ¥38,709,118 |
| 45 | 3.00% | ¥165,131 | ¥89,170,582 | ¥40,270,582 |
4890万円｜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% | ¥116,832 | ¥56,079,232 | ¥7,179,232 |
| 40 | 0.80% | ¥119,077 | ¥57,156,729 | ¥8,256,729 |
| 40 | 0.90% | ¥121,348 | ¥58,247,121 | ¥9,347,121 |
| 40 | 1.00% | ¥123,647 | ¥59,350,371 | ¥10,450,371 |
| 40 | 1.10% | ¥125,972 | ¥60,466,437 | ¥11,566,437 |
| 40 | 1.20% | ¥128,323 | ¥61,595,277 | ¥12,695,277 |
| 40 | 1.30% | ¥130,702 | ¥62,736,840 | ¥13,836,840 |
| 40 | 1.40% | ¥133,106 | ¥63,891,076 | ¥14,991,076 |
| 40 | 1.50% | ¥135,537 | ¥65,057,929 | ¥16,157,929 |
| 40 | 1.60% | ¥137,994 | ¥66,237,339 | ¥17,337,339 |
| 40 | 1.70% | ¥140,478 | ¥67,429,243 | ¥18,529,243 |
| 40 | 1.80% | ¥142,987 | ¥68,633,574 | ¥19,733,574 |
| 40 | 1.90% | ¥145,521 | ¥69,850,262 | ¥20,950,262 |
| 40 | 2.00% | ¥148,082 | ¥71,079,234 | ¥22,179,234 |
| 40 | 2.10% | ¥150,668 | ¥72,320,413 | ¥23,420,413 |
| 40 | 2.20% | ¥153,279 | ¥73,573,718 | ¥24,673,718 |
| 40 | 2.30% | ¥155,915 | ¥74,839,067 | ¥25,939,067 |
| 40 | 2.40% | ¥158,576 | ¥76,116,372 | ¥27,216,372 |
| 40 | 2.50% | ¥161,262 | ¥77,405,546 | ¥28,505,546 |
| 40 | 2.60% | ¥163,972 | ¥78,706,494 | ¥29,806,494 |
| 40 | 2.70% | ¥166,707 | ¥80,019,123 | ¥31,119,123 |
| 40 | 2.80% | ¥169,465 | ¥81,343,335 | ¥32,443,335 |
| 40 | 2.90% | ¥172,248 | ¥82,679,030 | ¥33,779,030 |
| 40 | 3.00% | ¥175,054 | ¥84,026,104 | ¥35,126,104 |
4890万円｜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% | ¥131,307 | ¥55,148,798 | ¥6,248,798 |
| 35 | 0.80% | ¥133,527 | ¥56,081,255 | ¥7,181,255 |
| 35 | 0.90% | ¥135,770 | ¥57,023,609 | ¥8,123,609 |
| 35 | 1.00% | ¥138,038 | ¥57,975,837 | ¥9,075,837 |
| 35 | 1.10% | ¥140,328 | ¥58,937,914 | ¥10,037,914 |
| 35 | 1.20% | ¥142,642 | ¥59,909,815 | ¥11,009,815 |
| 35 | 1.30% | ¥144,980 | ¥60,891,511 | ¥11,991,511 |
| 35 | 1.40% | ¥147,340 | ¥61,882,970 | ¥12,982,970 |
| 35 | 1.50% | ¥149,724 | ¥62,884,160 | ¥13,984,160 |
| 35 | 1.60% | ¥152,131 | ¥63,895,045 | ¥14,995,045 |
| 35 | 1.70% | ¥154,561 | ¥64,915,587 | ¥16,015,587 |
| 35 | 1.80% | ¥157,014 | ¥65,945,746 | ¥17,045,746 |
| 35 | 1.90% | ¥159,489 | ¥66,985,481 | ¥18,085,481 |
| 35 | 2.00% | ¥161,987 | ¥68,034,748 | ¥19,134,748 |
| 35 | 2.10% | ¥164,508 | ¥69,093,499 | ¥20,193,499 |
| 35 | 2.20% | ¥167,052 | ¥70,161,688 | ¥21,261,688 |
| 35 | 2.30% | ¥169,617 | ¥71,239,264 | ¥22,339,264 |
| 35 | 2.40% | ¥172,205 | ¥72,326,175 | ¥23,426,175 |
| 35 | 2.50% | ¥174,815 | ¥73,422,367 | ¥24,522,367 |
| 35 | 2.60% | ¥177,447 | ¥74,527,785 | ¥25,627,785 |
| 35 | 2.70% | ¥180,101 | ¥75,642,370 | ¥26,742,370 |
| 35 | 2.80% | ¥182,776 | ¥76,766,064 | ¥27,866,064 |
| 35 | 2.90% | ¥185,473 | ¥77,898,806 | ¥28,998,806 |
| 35 | 3.00% | ¥188,192 | ¥79,040,532 | ¥30,140,532 |
4890万円｜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% | ¥150,634 | ¥54,228,284 | ¥5,328,284 |
| 30 | 0.80% | ¥152,830 | ¥55,018,715 | ¥6,118,715 |
| 30 | 0.90% | ¥155,046 | ¥55,816,431 | ¥6,916,431 |
| 30 | 1.00% | ¥157,282 | ¥56,621,421 | ¥7,721,421 |
| 30 | 1.10% | ¥159,538 | ¥57,433,671 | ¥8,533,671 |
| 30 | 1.20% | ¥161,814 | ¥58,253,167 | ¥9,353,167 |
| 30 | 1.30% | ¥164,111 | ¥59,079,892 | ¥10,179,892 |
| 30 | 1.40% | ¥166,427 | ¥59,913,830 | ¥11,013,830 |
| 30 | 1.50% | ¥168,764 | ¥60,754,962 | ¥11,854,962 |
| 30 | 1.60% | ¥171,120 | ¥61,603,269 | ¥12,703,269 |
| 30 | 1.70% | ¥173,496 | ¥62,458,730 | ¥13,558,730 |
| 30 | 1.80% | ¥175,893 | ¥63,321,323 | ¥14,421,323 |
| 30 | 1.90% | ¥178,308 | ¥64,191,025 | ¥15,291,025 |
| 30 | 2.00% | ¥180,744 | ¥65,067,812 | ¥16,167,812 |
| 30 | 2.10% | ¥183,199 | ¥65,951,658 | ¥17,051,658 |
| 30 | 2.20% | ¥185,674 | ¥66,842,536 | ¥17,942,536 |
| 30 | 2.30% | ¥188,168 | ¥67,740,419 | ¥18,840,419 |
| 30 | 2.40% | ¥190,681 | ¥68,645,278 | ¥19,745,278 |
| 30 | 2.50% | ¥193,214 | ¥69,557,083 | ¥20,657,083 |
| 30 | 2.60% | ¥195,766 | ¥70,475,803 | ¥21,575,803 |
| 30 | 2.70% | ¥198,337 | ¥71,401,405 | ¥22,501,405 |
| 30 | 2.80% | ¥200,927 | ¥72,333,858 | ¥23,433,858 |
| 30 | 2.90% | ¥203,536 | ¥73,273,126 | ¥24,373,126 |
| 30 | 3.00% | ¥206,164 | ¥74,219,174 | ¥25,319,174 |
4890万円｜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% | ¥177,726 | ¥53,317,708 | ¥4,417,708 |
| 25 | 0.80% | ¥179,897 | ¥53,969,135 | ¥5,069,135 |
| 25 | 0.90% | ¥182,085 | ¥54,625,631 | ¥5,725,631 |
| 25 | 1.00% | ¥184,291 | ¥55,287,189 | ¥6,387,189 |
| 25 | 1.10% | ¥186,513 | ¥55,953,803 | ¥7,053,803 |
| 25 | 1.20% | ¥188,752 | ¥56,625,465 | ¥7,725,465 |
| 25 | 1.30% | ¥191,007 | ¥57,302,167 | ¥8,402,167 |
| 25 | 1.40% | ¥193,280 | ¥57,983,902 | ¥9,083,902 |
| 25 | 1.50% | ¥195,569 | ¥58,670,659 | ¥9,770,659 |
| 25 | 1.60% | ¥197,875 | ¥59,362,430 | ¥10,462,430 |
| 25 | 1.70% | ¥200,197 | ¥60,059,204 | ¥11,159,204 |
| 25 | 1.80% | ¥202,537 | ¥60,760,970 | ¥11,860,970 |
| 25 | 1.90% | ¥204,892 | ¥61,467,716 | ¥12,567,716 |
| 25 | 2.00% | ¥207,265 | ¥62,179,431 | ¥13,279,431 |
| 25 | 2.10% | ¥209,654 | ¥62,896,103 | ¥13,996,103 |
| 25 | 2.20% | ¥212,059 | ¥63,617,717 | ¥14,717,717 |
| 25 | 2.30% | ¥214,481 | ¥64,344,260 | ¥15,444,260 |
| 25 | 2.40% | ¥216,919 | ¥65,075,717 | ¥16,175,717 |
| 25 | 2.50% | ¥219,374 | ¥65,812,075 | ¥16,912,075 |
| 25 | 2.60% | ¥221,844 | ¥66,553,317 | ¥17,653,317 |
| 25 | 2.70% | ¥224,331 | ¥67,299,427 | ¥18,399,427 |
| 25 | 2.80% | ¥226,835 | ¥68,050,389 | ¥19,150,389 |
| 25 | 2.90% | ¥229,354 | ¥68,806,186 | ¥19,906,186 |
| 25 | 3.00% | ¥231,889 | ¥69,566,800 | ¥20,666,800 |
4890万円｜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% | ¥218,405 | ¥52,417,082 | ¥3,517,082 |
| 20 | 0.80% | ¥220,552 | ¥52,932,539 | ¥4,032,539 |
| 20 | 0.90% | ¥222,714 | ¥53,451,245 | ¥4,551,245 |
| 20 | 1.00% | ¥224,888 | ¥53,973,196 | ¥5,073,196 |
| 20 | 1.10% | ¥227,077 | ¥54,498,390 | ¥5,598,390 |
| 20 | 1.20% | ¥229,278 | ¥55,026,824 | ¥6,126,824 |
| 20 | 1.30% | ¥231,494 | ¥55,558,494 | ¥6,658,494 |
| 20 | 1.40% | ¥233,722 | ¥56,093,397 | ¥7,193,397 |
| 20 | 1.50% | ¥235,965 | ¥56,631,529 | ¥7,731,529 |
| 20 | 1.60% | ¥238,220 | ¥57,172,886 | ¥8,272,886 |
| 20 | 1.70% | ¥240,489 | ¥57,717,463 | ¥8,817,463 |
| 20 | 1.80% | ¥242,772 | ¥58,265,255 | ¥9,365,255 |
| 20 | 1.90% | ¥245,068 | ¥58,816,259 | ¥9,916,259 |
| 20 | 2.00% | ¥247,377 | ¥59,370,468 | ¥10,470,468 |
| 20 | 2.10% | ¥249,699 | ¥59,927,878 | ¥11,027,878 |
| 20 | 2.20% | ¥252,035 | ¥60,488,482 | ¥11,588,482 |
| 20 | 2.30% | ¥254,384 | ¥61,052,275 | ¥12,152,275 |
| 20 | 2.40% | ¥256,747 | ¥61,619,251 | ¥12,719,251 |
| 20 | 2.50% | ¥259,123 | ¥62,189,404 | ¥13,289,404 |
| 20 | 2.60% | ¥261,511 | ¥62,762,726 | ¥13,862,726 |
| 20 | 2.70% | ¥263,913 | ¥63,339,211 | ¥14,439,211 |
| 20 | 2.80% | ¥266,329 | ¥63,918,852 | ¥15,018,852 |
| 20 | 2.90% | ¥268,757 | ¥64,501,643 | ¥15,601,643 |
| 20 | 3.00% | ¥271,198 | ¥65,087,574 | ¥16,187,574 |
4890万円｜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% | ¥286,258 | ¥51,526,417 | ¥2,626,417 |
| 15 | 0.80% | ¥288,383 | ¥51,908,945 | ¥3,008,945 |
| 15 | 0.90% | ¥290,518 | ¥52,293,302 | ¥3,393,302 |
| 15 | 1.00% | ¥292,664 | ¥52,679,487 | ¥3,779,487 |
| 15 | 1.10% | ¥294,819 | ¥53,067,500 | ¥4,167,500 |
| 15 | 1.20% | ¥296,985 | ¥53,457,339 | ¥4,557,339 |
| 15 | 1.30% | ¥299,161 | ¥53,849,003 | ¥4,949,003 |
| 15 | 1.40% | ¥301,347 | ¥54,242,490 | ¥5,342,490 |
| 15 | 1.50% | ¥303,543 | ¥54,637,801 | ¥5,737,801 |
| 15 | 1.60% | ¥305,750 | ¥55,034,932 | ¥6,134,932 |
| 15 | 1.70% | ¥307,966 | ¥55,433,883 | ¥6,533,883 |
| 15 | 1.80% | ¥310,193 | ¥55,834,651 | ¥6,934,651 |
| 15 | 1.90% | ¥312,429 | ¥56,237,236 | ¥7,337,236 |
| 15 | 2.00% | ¥314,676 | ¥56,641,636 | ¥7,741,636 |
| 15 | 2.10% | ¥316,932 | ¥57,047,848 | ¥8,147,848 |
| 15 | 2.20% | ¥319,199 | ¥57,455,871 | ¥8,555,871 |
| 15 | 2.30% | ¥321,476 | ¥57,865,703 | ¥8,965,703 |
| 15 | 2.40% | ¥323,763 | ¥58,277,342 | ¥9,377,342 |
| 15 | 2.50% | ¥326,060 | ¥58,690,786 | ¥9,790,786 |
| 15 | 2.60% | ¥328,367 | ¥59,106,032 | ¥10,206,032 |
| 15 | 2.70% | ¥330,684 | ¥59,523,079 | ¥10,623,079 |
| 15 | 2.80% | ¥333,011 | ¥59,941,923 | ¥11,041,923 |
| 15 | 2.90% | ¥335,348 | ¥60,362,563 | ¥11,462,563 |
| 15 | 3.00% | ¥337,694 | ¥60,784,996 | ¥11,884,996 |
4890万円｜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% | ¥422,048 | ¥50,645,721 | ¥1,745,721 |
| 10 | 0.80% | ¥424,153 | ¥50,898,367 | ¥1,998,367 |
| 10 | 0.90% | ¥426,265 | ¥51,151,826 | ¥2,251,826 |
| 10 | 1.00% | ¥428,384 | ¥51,406,098 | ¥2,506,098 |
| 10 | 1.10% | ¥430,510 | ¥51,661,184 | ¥2,761,184 |
| 10 | 1.20% | ¥432,642 | ¥51,917,083 | ¥3,017,083 |
| 10 | 1.30% | ¥434,782 | ¥52,173,794 | ¥3,273,794 |
| 10 | 1.40% | ¥436,928 | ¥52,431,317 | ¥3,531,317 |
| 10 | 1.50% | ¥439,080 | ¥52,689,652 | ¥3,789,652 |
| 10 | 1.60% | ¥441,240 | ¥52,948,799 | ¥4,048,799 |
| 10 | 1.70% | ¥443,406 | ¥53,208,757 | ¥4,308,757 |
| 10 | 1.80% | ¥445,579 | ¥53,469,526 | ¥4,569,526 |
| 10 | 1.90% | ¥447,759 | ¥53,731,105 | ¥4,831,105 |
| 10 | 2.00% | ¥449,946 | ¥53,993,495 | ¥5,093,495 |
| 10 | 2.10% | ¥452,139 | ¥54,256,694 | ¥5,356,694 |
| 10 | 2.20% | ¥454,339 | ¥54,520,702 | ¥5,620,702 |
| 10 | 2.30% | ¥456,546 | ¥54,785,519 | ¥5,885,519 |
| 10 | 2.40% | ¥458,760 | ¥55,051,145 | ¥6,151,145 |
| 10 | 2.50% | ¥460,980 | ¥55,317,578 | ¥6,417,578 |
| 10 | 2.60% | ¥463,207 | ¥55,584,819 | ¥6,684,819 |
| 10 | 2.70% | ¥465,441 | ¥55,852,867 | ¥6,952,867 |
| 10 | 2.80% | ¥467,681 | ¥56,121,720 | ¥7,221,720 |
| 10 | 2.90% | ¥469,928 | ¥56,391,380 | ¥7,491,380 |
| 10 | 3.00% | ¥472,182 | ¥56,661,845 | ¥7,761,845 |
