4990万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。4990万円の住宅ローンが、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。
4990万円の住宅ローン｜期間・年数別
4990万円｜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% |
¥98,592 |
¥59,155,264 |
¥9,255,264 |
| 50 |
0.80% |
¥100,933 |
¥60,559,977 |
¥10,659,977 |
| 50 |
0.90% |
¥103,309 |
¥61,985,132 |
¥12,085,132 |
| 50 |
1.00% |
¥105,718 |
¥63,430,639 |
¥13,530,639 |
| 50 |
1.10% |
¥108,161 |
¥64,896,399 |
¥14,996,399 |
| 50 |
1.20% |
¥110,637 |
¥66,382,305 |
¥16,482,305 |
| 50 |
1.30% |
¥113,147 |
¥67,888,241 |
¥17,988,241 |
| 50 |
1.40% |
¥115,690 |
¥69,414,078 |
¥19,514,078 |
| 50 |
1.50% |
¥118,266 |
¥70,959,684 |
¥21,059,684 |
| 50 |
1.60% |
¥120,875 |
¥72,524,913 |
¥22,624,913 |
| 50 |
1.70% |
¥123,516 |
¥74,109,615 |
¥24,209,615 |
| 50 |
1.80% |
¥126,189 |
¥75,713,629 |
¥25,813,629 |
| 50 |
1.90% |
¥128,895 |
¥77,336,787 |
¥27,436,787 |
| 50 |
2.00% |
¥131,632 |
¥78,978,914 |
¥29,078,914 |
| 50 |
2.10% |
¥134,400 |
¥80,639,828 |
¥30,739,828 |
| 50 |
2.20% |
¥137,199 |
¥82,319,337 |
¥32,419,337 |
| 50 |
2.30% |
¥140,029 |
¥84,017,247 |
¥34,117,247 |
| 50 |
2.40% |
¥142,889 |
¥85,733,354 |
¥35,833,354 |
| 50 |
2.50% |
¥145,779 |
¥87,467,450 |
¥37,567,450 |
| 50 |
2.60% |
¥148,699 |
¥89,219,320 |
¥39,319,320 |
| 50 |
2.70% |
¥151,648 |
¥90,988,743 |
¥41,088,743 |
| 50 |
2.80% |
¥154,626 |
¥92,775,496 |
¥42,875,496 |
| 50 |
2.90% |
¥157,632 |
¥94,579,347 |
¥44,679,347 |
| 50 |
3.00% |
¥160,667 |
¥96,400,063 |
¥46,500,063 |
4990万円｜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% |
¥107,751 |
¥58,185,613 |
¥8,285,613 |
| 45 |
0.80% |
¥110,067 |
¥59,436,213 |
¥9,536,213 |
| 45 |
0.90% |
¥112,414 |
¥60,703,420 |
¥10,803,420 |
| 45 |
1.00% |
¥114,791 |
¥61,987,176 |
¥12,087,176 |
| 45 |
1.10% |
¥117,199 |
¥63,287,415 |
¥13,387,415 |
| 45 |
1.20% |
¥119,637 |
¥64,604,066 |
¥14,704,066 |
| 45 |
1.30% |
¥122,106 |
¥65,937,051 |
¥16,037,051 |
| 45 |
1.40% |
¥124,604 |
¥67,286,286 |
¥17,386,286 |
| 45 |
1.50% |
¥127,133 |
¥68,651,682 |
¥18,751,682 |
| 45 |
1.60% |
¥129,691 |
¥70,033,142 |
¥20,133,142 |
| 45 |
1.70% |
¥132,279 |
¥71,430,565 |
¥21,530,565 |
| 45 |
1.80% |
¥134,896 |
¥72,843,844 |
¥22,943,844 |
| 45 |
1.90% |
¥137,542 |
¥74,272,867 |
¥24,372,867 |
| 45 |
2.00% |
¥140,218 |
¥75,717,516 |
¥25,817,516 |
| 45 |
2.10% |
¥142,922 |
¥77,177,668 |
¥27,277,668 |
| 45 |
2.20% |
¥145,654 |
¥78,653,196 |
¥28,753,196 |
| 45 |
2.30% |
¥148,415 |
¥80,143,967 |
¥30,243,967 |
| 45 |
2.40% |
¥151,203 |
¥81,649,844 |
¥31,749,844 |
| 45 |
2.50% |
¥154,020 |
¥83,170,685 |
¥33,270,685 |
| 45 |
2.60% |
¥156,864 |
¥84,706,345 |
¥34,806,345 |
| 45 |
2.70% |
¥159,735 |
¥86,256,673 |
¥36,356,673 |
| 45 |
2.80% |
¥162,632 |
¥87,821,516 |
¥37,921,516 |
| 45 |
2.90% |
¥165,557 |
¥89,400,715 |
¥39,500,715 |
| 45 |
3.00% |
¥168,508 |
¥90,994,111 |
¥41,094,111 |
4990万円｜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% |
¥119,221 |
¥57,226,046 |
¥7,326,046 |
| 40 |
0.80% |
¥121,512 |
¥58,325,579 |
¥8,425,579 |
| 40 |
0.90% |
¥123,830 |
¥59,438,269 |
¥9,538,269 |
| 40 |
1.00% |
¥126,175 |
¥60,564,080 |
¥10,664,080 |
| 40 |
1.10% |
¥128,548 |
¥61,702,970 |
¥11,802,970 |
| 40 |
1.20% |
¥130,948 |
¥62,854,894 |
¥12,954,894 |
| 40 |
1.30% |
¥133,375 |
¥64,019,802 |
¥14,119,802 |
| 40 |
1.40% |
¥135,828 |
¥65,197,642 |
¥15,297,642 |
| 40 |
1.50% |
¥138,309 |
¥66,388,357 |
¥16,488,357 |
| 40 |
1.60% |
¥140,816 |
¥67,591,886 |
¥17,691,886 |
| 40 |
1.70% |
¥143,350 |
¥68,808,164 |
¥18,908,164 |
| 40 |
1.80% |
¥145,911 |
¥70,037,123 |
¥20,137,123 |
| 40 |
1.90% |
¥148,497 |
¥71,278,693 |
¥21,378,693 |
| 40 |
2.00% |
¥151,110 |
¥72,532,797 |
¥22,632,797 |
| 40 |
2.10% |
¥153,749 |
¥73,799,358 |
¥23,899,358 |
| 40 |
2.20% |
¥156,413 |
¥75,078,293 |
¥25,178,293 |
| 40 |
2.30% |
¥159,103 |
¥76,369,518 |
¥26,469,518 |
| 40 |
2.40% |
¥161,819 |
¥77,672,944 |
¥27,772,944 |
| 40 |
2.50% |
¥164,559 |
¥78,988,481 |
¥29,088,481 |
| 40 |
2.60% |
¥167,325 |
¥80,316,034 |
¥30,416,034 |
| 40 |
2.70% |
¥170,116 |
¥81,655,506 |
¥31,755,506 |
| 40 |
2.80% |
¥172,931 |
¥83,006,798 |
¥33,106,798 |
| 40 |
2.90% |
¥175,770 |
¥84,369,807 |
¥34,469,807 |
| 40 |
3.00% |
¥178,634 |
¥85,744,429 |
¥35,844,429 |
4990万円｜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% |
¥133,992 |
¥56,276,585 |
¥6,376,585 |
| 35 |
0.80% |
¥136,257 |
¥57,228,111 |
¥7,328,111 |
| 35 |
0.90% |
¥138,547 |
¥58,189,736 |
¥8,289,736 |
| 35 |
1.00% |
¥140,861 |
¥59,161,437 |
¥9,261,437 |
| 35 |
1.10% |
¥143,198 |
¥60,143,189 |
¥10,243,189 |
| 35 |
1.20% |
¥145,559 |
¥61,134,965 |
¥11,234,965 |
| 35 |
1.30% |
¥147,945 |
¥62,136,736 |
¥12,236,736 |
| 35 |
1.40% |
¥150,354 |
¥63,148,471 |
¥13,248,471 |
| 35 |
1.50% |
¥152,786 |
¥64,170,135 |
¥14,270,135 |
| 35 |
1.60% |
¥155,242 |
¥65,201,692 |
¥15,301,692 |
| 35 |
1.70% |
¥157,722 |
¥66,243,104 |
¥16,343,104 |
| 35 |
1.80% |
¥160,225 |
¥67,294,330 |
¥17,394,330 |
| 35 |
1.90% |
¥162,751 |
¥68,355,328 |
¥18,455,328 |
| 35 |
2.00% |
¥165,300 |
¥69,426,051 |
¥19,526,051 |
| 35 |
2.10% |
¥167,873 |
¥70,506,454 |
¥20,606,454 |
| 35 |
2.20% |
¥170,468 |
¥71,596,487 |
¥21,696,487 |
| 35 |
2.30% |
¥173,086 |
¥72,696,100 |
¥22,796,100 |
| 35 |
2.40% |
¥175,727 |
¥73,805,238 |
¥23,905,238 |
| 35 |
2.50% |
¥178,390 |
¥74,923,847 |
¥25,023,847 |
| 35 |
2.60% |
¥181,076 |
¥76,051,871 |
¥26,151,871 |
| 35 |
2.70% |
¥183,784 |
¥77,189,249 |
¥27,289,249 |
| 35 |
2.80% |
¥186,514 |
¥78,335,923 |
¥28,435,923 |
| 35 |
2.90% |
¥189,266 |
¥79,491,828 |
¥29,591,828 |
| 35 |
3.00% |
¥192,040 |
¥80,656,903 |
¥30,756,903 |
4990万円｜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% |
¥153,715 |
¥55,337,247 |
¥5,437,247 |
| 30 |
0.80% |
¥155,955 |
¥56,143,842 |
¥6,243,842 |
| 30 |
0.90% |
¥158,216 |
¥56,957,872 |
¥7,057,872 |
| 30 |
1.00% |
¥160,498 |
¥57,779,323 |
¥7,879,323 |
| 30 |
1.10% |
¥162,801 |
¥58,608,184 |
¥8,708,184 |
| 30 |
1.20% |
¥165,123 |
¥59,444,438 |
¥9,544,438 |
| 30 |
1.30% |
¥167,467 |
¥60,288,069 |
¥10,388,069 |
| 30 |
1.40% |
¥169,831 |
¥61,139,061 |
¥11,239,061 |
| 30 |
1.50% |
¥172,215 |
¥61,997,395 |
¥12,097,395 |
| 30 |
1.60% |
¥174,620 |
¥62,863,049 |
¥12,963,049 |
| 30 |
1.70% |
¥177,044 |
¥63,736,005 |
¥13,836,005 |
| 30 |
1.80% |
¥179,490 |
¥64,616,238 |
¥14,716,238 |
| 30 |
1.90% |
¥181,955 |
¥65,503,725 |
¥15,603,725 |
| 30 |
2.00% |
¥184,440 |
¥66,398,442 |
¥16,498,442 |
| 30 |
2.10% |
¥186,945 |
¥67,300,362 |
¥17,400,362 |
| 30 |
2.20% |
¥189,471 |
¥68,209,459 |
¥18,309,459 |
| 30 |
2.30% |
¥192,016 |
¥69,125,704 |
¥19,225,704 |
| 30 |
2.40% |
¥194,581 |
¥70,049,067 |
¥20,149,067 |
| 30 |
2.50% |
¥197,165 |
¥70,979,518 |
¥21,079,518 |
| 30 |
2.60% |
¥199,770 |
¥71,917,026 |
¥22,017,026 |
| 30 |
2.70% |
¥202,393 |
¥72,861,557 |
¥22,961,557 |
| 30 |
2.80% |
¥205,036 |
¥73,813,078 |
¥23,913,078 |
| 30 |
2.90% |
¥207,699 |
¥74,771,554 |
¥24,871,554 |
| 30 |
3.00% |
¥210,380 |
¥75,736,949 |
¥25,836,949 |
4990万円｜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% |
¥181,360 |
¥54,408,050 |
¥4,508,050 |
| 25 |
0.80% |
¥183,576 |
¥55,072,799 |
¥5,172,799 |
| 25 |
0.90% |
¥185,809 |
¥55,742,720 |
¥5,842,720 |
| 25 |
1.00% |
¥188,059 |
¥56,417,806 |
¥6,517,806 |
| 25 |
1.10% |
¥190,327 |
¥57,098,052 |
¥7,198,052 |
| 25 |
1.20% |
¥192,611 |
¥57,783,450 |
¥7,883,450 |
| 25 |
1.30% |
¥194,913 |
¥58,473,990 |
¥8,573,990 |
| 25 |
1.40% |
¥197,232 |
¥59,169,666 |
¥9,269,666 |
| 25 |
1.50% |
¥199,568 |
¥59,870,468 |
¥9,970,468 |
| 25 |
1.60% |
¥201,921 |
¥60,576,385 |
¥10,676,385 |
| 25 |
1.70% |
¥204,291 |
¥61,287,408 |
¥11,387,408 |
| 25 |
1.80% |
¥206,678 |
¥62,003,525 |
¥12,103,525 |
| 25 |
1.90% |
¥209,082 |
¥62,724,725 |
¥12,824,725 |
| 25 |
2.00% |
¥211,503 |
¥63,450,994 |
¥13,550,994 |
| 25 |
2.10% |
¥213,941 |
¥64,182,322 |
¥14,282,322 |
| 25 |
2.20% |
¥216,396 |
¥64,918,693 |
¥15,018,693 |
| 25 |
2.30% |
¥218,867 |
¥65,660,093 |
¥15,760,093 |
| 25 |
2.40% |
¥221,355 |
¥66,406,509 |
¥16,506,509 |
| 25 |
2.50% |
¥223,860 |
¥67,157,925 |
¥17,257,925 |
| 25 |
2.60% |
¥226,381 |
¥67,914,325 |
¥18,014,325 |
| 25 |
2.70% |
¥228,919 |
¥68,675,693 |
¥18,775,693 |
| 25 |
2.80% |
¥231,473 |
¥69,442,012 |
¥19,542,012 |
| 25 |
2.90% |
¥234,044 |
¥70,213,265 |
¥20,313,265 |
| 25 |
3.00% |
¥236,631 |
¥70,989,434 |
¥21,089,434 |
4990万円｜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% |
¥222,871 |
¥53,489,006 |
¥3,589,006 |
| 20 |
0.80% |
¥225,063 |
¥54,015,004 |
¥4,115,004 |
| 20 |
0.90% |
¥227,268 |
¥54,544,317 |
¥4,644,317 |
| 20 |
1.00% |
¥229,487 |
¥55,076,942 |
¥5,176,942 |
| 20 |
1.10% |
¥231,720 |
¥55,612,877 |
¥5,712,877 |
| 20 |
1.20% |
¥233,967 |
¥56,152,117 |
¥6,252,117 |
| 20 |
1.30% |
¥236,228 |
¥56,694,660 |
¥6,794,660 |
| 20 |
1.40% |
¥238,502 |
¥57,240,502 |
¥7,340,502 |
| 20 |
1.50% |
¥240,790 |
¥57,789,638 |
¥7,889,638 |
| 20 |
1.60% |
¥243,092 |
¥58,342,065 |
¥8,442,065 |
| 20 |
1.70% |
¥245,407 |
¥58,897,779 |
¥8,997,779 |
| 20 |
1.80% |
¥247,737 |
¥59,456,774 |
¥9,556,774 |
| 20 |
1.90% |
¥250,079 |
¥60,019,045 |
¥10,119,045 |
| 20 |
2.00% |
¥252,436 |
¥60,584,588 |
¥10,684,588 |
| 20 |
2.10% |
¥254,806 |
¥61,153,397 |
¥11,253,397 |
| 20 |
2.20% |
¥257,189 |
¥61,725,465 |
¥11,825,465 |
| 20 |
2.30% |
¥259,587 |
¥62,300,788 |
¥12,400,788 |
| 20 |
2.40% |
¥261,997 |
¥62,879,359 |
¥12,979,359 |
| 20 |
2.50% |
¥264,422 |
¥63,461,170 |
¥13,561,170 |
| 20 |
2.60% |
¥266,859 |
¥64,046,217 |
¥14,146,217 |
| 20 |
2.70% |
¥269,310 |
¥64,634,492 |
¥14,734,492 |
| 20 |
2.80% |
¥271,775 |
¥65,225,986 |
¥15,325,986 |
| 20 |
2.90% |
¥274,253 |
¥65,820,695 |
¥15,920,695 |
| 20 |
3.00% |
¥276,744 |
¥66,418,608 |
¥16,518,608 |
4990万円｜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% |
¥292,112 |
¥52,580,127 |
¥2,680,127 |
| 15 |
0.80% |
¥294,280 |
¥52,970,477 |
¥3,070,477 |
| 15 |
0.90% |
¥296,459 |
¥53,362,694 |
¥3,462,694 |
| 15 |
1.00% |
¥298,649 |
¥53,756,777 |
¥3,856,777 |
| 15 |
1.10% |
¥300,848 |
¥54,152,725 |
¥4,252,725 |
| 15 |
1.20% |
¥303,059 |
¥54,550,536 |
¥4,650,536 |
| 15 |
1.30% |
¥305,279 |
¥54,950,209 |
¥5,050,209 |
| 15 |
1.40% |
¥307,510 |
¥55,351,744 |
¥5,451,744 |
| 15 |
1.50% |
¥309,751 |
¥55,755,138 |
¥5,855,138 |
| 15 |
1.60% |
¥312,002 |
¥56,160,391 |
¥6,260,391 |
| 15 |
1.70% |
¥314,264 |
¥56,567,500 |
¥6,667,500 |
| 15 |
1.80% |
¥316,536 |
¥56,976,464 |
¥7,076,464 |
| 15 |
1.90% |
¥318,818 |
¥57,387,282 |
¥7,487,282 |
| 15 |
2.00% |
¥321,111 |
¥57,799,951 |
¥7,899,951 |
| 15 |
2.10% |
¥323,414 |
¥58,214,471 |
¥8,314,471 |
| 15 |
2.20% |
¥325,727 |
¥58,630,838 |
¥8,730,838 |
| 15 |
2.30% |
¥328,050 |
¥59,049,051 |
¥9,149,051 |
| 15 |
2.40% |
¥330,384 |
¥59,469,108 |
¥9,569,108 |
| 15 |
2.50% |
¥332,728 |
¥59,891,007 |
¥9,991,007 |
| 15 |
2.60% |
¥335,082 |
¥60,314,745 |
¥10,414,745 |
| 15 |
2.70% |
¥337,446 |
¥60,740,320 |
¥10,840,320 |
| 15 |
2.80% |
¥339,821 |
¥61,167,730 |
¥11,267,730 |
| 15 |
2.90% |
¥342,205 |
¥61,596,971 |
¥11,696,971 |
| 15 |
3.00% |
¥344,600 |
¥62,028,043 |
¥12,128,043 |
4990万円｜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% |
¥430,679 |
¥51,681,421 |
¥1,781,421 |
| 10 |
0.80% |
¥432,827 |
¥51,939,233 |
¥2,039,233 |
| 10 |
0.90% |
¥434,982 |
¥52,197,875 |
¥2,297,875 |
| 10 |
1.00% |
¥437,145 |
¥52,457,348 |
¥2,557,348 |
| 10 |
1.10% |
¥439,314 |
¥52,717,650 |
¥2,817,650 |
| 10 |
1.20% |
¥441,490 |
¥52,978,782 |
¥3,078,782 |
| 10 |
1.30% |
¥443,673 |
¥53,240,742 |
¥3,340,742 |
| 10 |
1.40% |
¥445,863 |
¥53,503,532 |
¥3,603,532 |
| 10 |
1.50% |
¥448,060 |
¥53,767,150 |
¥3,867,150 |
| 10 |
1.60% |
¥450,263 |
¥54,031,596 |
¥4,131,596 |
| 10 |
1.70% |
¥452,474 |
¥54,296,871 |
¥4,396,871 |
| 10 |
1.80% |
¥454,691 |
¥54,562,972 |
¥4,662,972 |
| 10 |
1.90% |
¥456,916 |
¥54,829,901 |
¥4,929,901 |
| 10 |
2.00% |
¥459,147 |
¥55,097,656 |
¥5,197,656 |
| 10 |
2.10% |
¥461,385 |
¥55,366,238 |
¥5,466,238 |
| 10 |
2.20% |
¥463,630 |
¥55,635,645 |
¥5,735,645 |
| 10 |
2.30% |
¥465,882 |
¥55,905,878 |
¥6,005,878 |
| 10 |
2.40% |
¥468,141 |
¥56,176,935 |
¥6,276,935 |
| 10 |
2.50% |
¥470,407 |
¥56,448,817 |
¥6,548,817 |
| 10 |
2.60% |
¥472,679 |
¥56,721,523 |
¥6,821,523 |
| 10 |
2.70% |
¥474,959 |
¥56,995,052 |
¥7,095,052 |
| 10 |
2.80% |
¥477,245 |
¥57,269,404 |
¥7,369,404 |
| 10 |
2.90% |
¥479,538 |
¥57,544,578 |
¥7,644,578 |
| 10 |
3.00% |
¥481,838 |
¥57,820,574 |
¥7,920,574 |
