9800万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。9800万円の住宅ローンが、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。
9800万円の住宅ローン｜期間・年数別
9800万円｜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% | ¥193,628 | ¥116,176,671 | ¥18,176,671 |
| 50 | 0.80% | ¥198,226 | ¥118,935,427 | ¥20,935,427 |
| 50 | 0.90% | ¥202,891 | ¥121,734,327 | ¥23,734,327 |
| 50 | 1.00% | ¥207,622 | ¥124,573,198 | ¥26,573,198 |
| 50 | 1.10% | ¥212,420 | ¥127,451,846 | ¥29,451,846 |
| 50 | 1.20% | ¥217,283 | ¥130,370,059 | ¥32,370,059 |
| 50 | 1.30% | ¥222,213 | ¥133,327,607 | ¥35,327,607 |
| 50 | 1.40% | ¥227,207 | ¥136,324,242 | ¥38,324,242 |
| 50 | 1.50% | ¥232,266 | ¥139,359,700 | ¥41,359,700 |
| 50 | 1.60% | ¥237,389 | ¥142,433,698 | ¥44,433,698 |
| 50 | 1.70% | ¥242,577 | ¥145,545,938 | ¥47,545,938 |
| 50 | 1.80% | ¥247,827 | ¥148,696,105 | ¥50,696,105 |
| 50 | 1.90% | ¥253,140 | ¥151,883,871 | ¥53,883,871 |
| 50 | 2.00% | ¥258,515 | ¥155,108,890 | ¥57,108,890 |
| 50 | 2.10% | ¥263,951 | ¥158,370,804 | ¥60,370,804 |
| 50 | 2.20% | ¥269,449 | ¥161,669,239 | ¥63,669,239 |
| 50 | 2.30% | ¥275,006 | ¥165,003,812 | ¥67,003,812 |
| 50 | 2.40% | ¥280,624 | ¥168,374,123 | ¥70,374,123 |
| 50 | 2.50% | ¥286,300 | ¥171,779,761 | ¥73,779,761 |
| 50 | 2.60% | ¥292,034 | ¥175,220,307 | ¥77,220,307 |
| 50 | 2.70% | ¥297,826 | ¥178,695,327 | ¥80,695,327 |
| 50 | 2.80% | ¥303,674 | ¥182,204,380 | ¥84,204,380 |
| 50 | 2.90% | ¥309,578 | ¥185,747,014 | ¥87,747,014 |
| 50 | 3.00% | ¥315,538 | ¥189,322,769 | ¥91,322,769 |
9800万円｜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% | ¥211,615 | ¥114,272,346 | ¥16,272,346 |
| 45 | 0.80% | ¥216,164 | ¥116,728,434 | ¥18,728,434 |
| 45 | 0.90% | ¥220,772 | ¥119,217,137 | ¥21,217,137 |
| 45 | 1.00% | ¥225,441 | ¥121,738,341 | ¥23,738,341 |
| 45 | 1.10% | ¥230,170 | ¥124,291,917 | ¥26,291,917 |
| 45 | 1.20% | ¥234,959 | ¥126,877,725 | ¥28,877,725 |
| 45 | 1.30% | ¥239,807 | ¥129,495,612 | ¥31,495,612 |
| 45 | 1.40% | ¥244,714 | ¥132,145,412 | ¥34,145,412 |
| 45 | 1.50% | ¥249,680 | ¥134,826,950 | ¥36,826,950 |
| 45 | 1.60% | ¥254,704 | ¥137,540,038 | ¥39,540,038 |
| 45 | 1.70% | ¥259,786 | ¥140,284,476 | ¥42,284,476 |
| 45 | 1.80% | ¥264,926 | ¥143,060,054 | ¥45,060,054 |
| 45 | 1.90% | ¥270,123 | ¥145,866,552 | ¥47,866,552 |
| 45 | 2.00% | ¥275,377 | ¥148,703,739 | ¥50,703,739 |
| 45 | 2.10% | ¥280,688 | ¥151,571,373 | ¥53,571,373 |
| 45 | 2.20% | ¥286,054 | ¥154,469,203 | ¥56,469,203 |
| 45 | 2.30% | ¥291,476 | ¥157,396,970 | ¥59,396,970 |
| 45 | 2.40% | ¥296,953 | ¥160,354,403 | ¥62,354,403 |
| 45 | 2.50% | ¥302,484 | ¥163,341,226 | ¥65,341,226 |
| 45 | 2.60% | ¥308,069 | ¥166,357,150 | ¥68,357,150 |
| 45 | 2.70% | ¥313,707 | ¥169,401,882 | ¥71,401,882 |
| 45 | 2.80% | ¥319,398 | ¥172,475,121 | ¥74,475,121 |
| 45 | 2.90% | ¥325,142 | ¥175,576,555 | ¥77,576,555 |
| 45 | 3.00% | ¥330,937 | ¥178,705,870 | ¥80,705,870 |
9800万円｜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% | ¥234,141 | ¥112,387,826 | ¥14,387,826 |
| 40 | 0.80% | ¥238,640 | ¥114,547,229 | ¥16,547,229 |
| 40 | 0.90% | ¥243,193 | ¥116,732,472 | ¥18,732,472 |
| 40 | 1.00% | ¥247,799 | ¥118,943,483 | ¥20,943,483 |
| 40 | 1.10% | ¥252,459 | ¥121,180,181 | ¥23,180,181 |
| 40 | 1.20% | ¥257,172 | ¥123,442,476 | ¥25,442,476 |
| 40 | 1.30% | ¥261,938 | ¥125,730,273 | ¥27,730,273 |
| 40 | 1.40% | ¥266,757 | ¥128,043,466 | ¥30,043,466 |
| 40 | 1.50% | ¥271,629 | ¥130,381,944 | ¥32,381,944 |
| 40 | 1.60% | ¥276,553 | ¥132,745,587 | ¥34,745,587 |
| 40 | 1.70% | ¥281,530 | ¥135,134,270 | ¥37,134,270 |
| 40 | 1.80% | ¥286,558 | ¥137,547,858 | ¥39,547,858 |
| 40 | 1.90% | ¥291,638 | ¥139,986,210 | ¥41,986,210 |
| 40 | 2.00% | ¥296,769 | ¥142,449,181 | ¥44,449,181 |
| 40 | 2.10% | ¥301,951 | ¥144,936,614 | ¥46,936,614 |
| 40 | 2.20% | ¥307,184 | ¥147,448,351 | ¥49,448,351 |
| 40 | 2.30% | ¥312,467 | ¥149,984,223 | ¥51,984,223 |
| 40 | 2.40% | ¥317,800 | ¥152,544,059 | ¥54,544,059 |
| 40 | 2.50% | ¥323,183 | ¥155,127,678 | ¥57,127,678 |
| 40 | 2.60% | ¥328,614 | ¥157,734,896 | ¥59,734,896 |
| 40 | 2.70% | ¥334,095 | ¥160,365,523 | ¥62,365,523 |
| 40 | 2.80% | ¥339,624 | ¥163,019,363 | ¥65,019,363 |
| 40 | 2.90% | ¥345,200 | ¥165,696,215 | ¥67,696,215 |
| 40 | 3.00% | ¥350,825 | ¥168,395,872 | ¥70,395,872 |
9800万円｜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% | ¥263,150 | ¥110,523,153 | ¥12,523,153 |
| 35 | 0.80% | ¥267,600 | ¥112,391,882 | ¥14,391,882 |
| 35 | 0.90% | ¥272,096 | ¥114,280,444 | ¥16,280,444 |
| 35 | 1.00% | ¥276,640 | ¥116,188,794 | ¥18,188,794 |
| 35 | 1.10% | ¥281,231 | ¥118,116,884 | ¥20,116,884 |
| 35 | 1.20% | ¥285,868 | ¥120,064,661 | ¥22,064,661 |
| 35 | 1.30% | ¥290,553 | ¥122,032,067 | ¥24,032,067 |
| 35 | 1.40% | ¥295,283 | ¥124,019,041 | ¥26,019,041 |
| 35 | 1.50% | ¥300,061 | ¥126,025,515 | ¥28,025,515 |
| 35 | 1.60% | ¥304,884 | ¥128,051,419 | ¥30,051,419 |
| 35 | 1.70% | ¥309,754 | ¥130,096,677 | ¥32,096,677 |
| 35 | 1.80% | ¥314,670 | ¥132,161,210 | ¥34,161,210 |
| 35 | 1.90% | ¥319,631 | ¥134,244,932 | ¥36,244,932 |
| 35 | 2.00% | ¥324,638 | ¥136,347,756 | ¥38,347,756 |
| 35 | 2.10% | ¥329,689 | ¥138,469,590 | ¥40,469,590 |
| 35 | 2.20% | ¥334,787 | ¥140,610,336 | ¥42,610,336 |
| 35 | 2.30% | ¥339,928 | ¥142,769,895 | ¥44,769,895 |
| 35 | 2.40% | ¥345,115 | ¥144,948,163 | ¥46,948,163 |
| 35 | 2.50% | ¥350,345 | ¥147,145,031 | ¥49,145,031 |
| 35 | 2.60% | ¥355,620 | ¥149,360,387 | ¥51,360,387 |
| 35 | 2.70% | ¥360,938 | ¥151,594,117 | ¥53,594,117 |
| 35 | 2.80% | ¥366,300 | ¥153,846,100 | ¥55,846,100 |
| 35 | 2.90% | ¥371,705 | ¥156,116,216 | ¥58,116,216 |
| 35 | 3.00% | ¥377,153 | ¥158,404,338 | ¥60,404,338 |
9800万円｜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% | ¥301,884 | ¥108,678,361 | ¥10,678,361 |
| 30 | 0.80% | ¥306,285 | ¥110,262,456 | ¥12,262,456 |
| 30 | 0.90% | ¥310,725 | ¥111,861,151 | ¥13,861,151 |
| 30 | 1.00% | ¥315,207 | ¥113,474,423 | ¥15,474,423 |
| 30 | 1.10% | ¥319,728 | ¥115,102,245 | ¥17,102,245 |
| 30 | 1.20% | ¥324,291 | ¥116,744,587 | ¥18,744,587 |
| 30 | 1.30% | ¥328,893 | ¥118,401,419 | ¥20,401,419 |
| 30 | 1.40% | ¥333,535 | ¥120,072,706 | ¥22,072,706 |
| 30 | 1.50% | ¥338,218 | ¥121,758,410 | ¥23,758,410 |
| 30 | 1.60% | ¥342,940 | ¥123,458,494 | ¥25,458,494 |
| 30 | 1.70% | ¥347,703 | ¥125,172,915 | ¥27,172,915 |
| 30 | 1.80% | ¥352,505 | ¥126,901,629 | ¥28,901,629 |
| 30 | 1.90% | ¥357,346 | ¥128,644,591 | ¥30,644,591 |
| 30 | 2.00% | ¥362,227 | ¥130,401,750 | ¥32,401,750 |
| 30 | 2.10% | ¥367,147 | ¥132,173,057 | ¥34,173,057 |
| 30 | 2.20% | ¥372,107 | ¥133,958,457 | ¥35,958,457 |
| 30 | 2.30% | ¥377,105 | ¥135,757,895 | ¥37,757,895 |
| 30 | 2.40% | ¥382,143 | ¥137,571,314 | ¥39,571,314 |
| 30 | 2.50% | ¥387,218 | ¥139,398,653 | ¥41,398,653 |
| 30 | 2.60% | ¥392,333 | ¥141,239,850 | ¥43,239,850 |
| 30 | 2.70% | ¥397,486 | ¥143,094,841 | ¥45,094,841 |
| 30 | 2.80% | ¥402,677 | ¥144,963,560 | ¥46,963,560 |
| 30 | 2.90% | ¥407,905 | ¥146,845,937 | ¥48,845,937 |
| 30 | 3.00% | ¥413,172 | ¥148,741,903 | ¥50,741,903 |
9800万円｜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% | ¥356,178 | ¥106,853,484 | ¥8,853,484 |
| 25 | 0.80% | ¥360,530 | ¥108,159,004 | ¥10,159,004 |
| 25 | 0.90% | ¥364,916 | ¥109,474,680 | ¥11,474,680 |
| 25 | 1.00% | ¥369,335 | ¥110,800,502 | ¥12,800,502 |
| 25 | 1.10% | ¥373,788 | ¥112,136,455 | ¥14,136,455 |
| 25 | 1.20% | ¥378,275 | ¥113,482,526 | ¥15,482,526 |
| 25 | 1.30% | ¥382,796 | ¥114,838,699 | ¥16,838,699 |
| 25 | 1.40% | ¥387,350 | ¥116,204,956 | ¥18,204,956 |
| 25 | 1.50% | ¥391,938 | ¥117,581,280 | ¥19,581,280 |
| 25 | 1.60% | ¥396,559 | ¥118,967,651 | ¥20,967,651 |
| 25 | 1.70% | ¥401,213 | ¥120,364,048 | ¥22,364,048 |
| 25 | 1.80% | ¥405,902 | ¥121,770,450 | ¥23,770,450 |
| 25 | 1.90% | ¥410,623 | ¥123,186,834 | ¥25,186,834 |
| 25 | 2.00% | ¥415,377 | ¥124,613,176 | ¥26,613,176 |
| 25 | 2.10% | ¥420,165 | ¥126,049,449 | ¥28,049,449 |
| 25 | 2.20% | ¥424,985 | ¥127,495,629 | ¥29,495,629 |
| 25 | 2.30% | ¥429,839 | ¥128,951,686 | ¥30,951,686 |
| 25 | 2.40% | ¥434,725 | ¥130,417,593 | ¥32,417,593 |
| 25 | 2.50% | ¥439,644 | ¥131,893,320 | ¥33,893,320 |
| 25 | 2.60% | ¥444,596 | ¥133,378,835 | ¥35,378,835 |
| 25 | 2.70% | ¥449,580 | ¥134,874,107 | ¥36,874,107 |
| 25 | 2.80% | ¥454,597 | ¥136,379,102 | ¥38,379,102 |
| 25 | 2.90% | ¥459,646 | ¥137,893,787 | ¥39,893,787 |
| 25 | 3.00% | ¥464,727 | ¥139,418,126 | ¥41,418,126 |
9800万円｜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% | ¥437,702 | ¥105,048,548 | ¥7,048,548 |
| 20 | 0.80% | ¥442,007 | ¥106,081,571 | ¥8,081,571 |
| 20 | 0.90% | ¥446,338 | ¥107,121,104 | ¥9,121,104 |
| 20 | 1.00% | ¥450,696 | ¥108,167,141 | ¥10,167,141 |
| 20 | 1.10% | ¥455,082 | ¥109,219,677 | ¥11,219,677 |
| 20 | 1.20% | ¥459,495 | ¥110,278,707 | ¥12,278,707 |
| 20 | 1.30% | ¥463,934 | ¥111,344,222 | ¥13,344,222 |
| 20 | 1.40% | ¥468,401 | ¥112,416,215 | ¥14,416,215 |
| 20 | 1.50% | ¥472,895 | ¥113,494,680 | ¥15,494,680 |
| 20 | 1.60% | ¥477,415 | ¥114,579,608 | ¥16,579,608 |
| 20 | 1.70% | ¥481,962 | ¥115,670,989 | ¥17,670,989 |
| 20 | 1.80% | ¥486,537 | ¥116,768,815 | ¥18,768,815 |
| 20 | 1.90% | ¥491,138 | ¥117,873,075 | ¥19,873,075 |
| 20 | 2.00% | ¥495,766 | ¥118,983,760 | ¥20,983,760 |
| 20 | 2.10% | ¥500,420 | ¥120,100,859 | ¥22,100,859 |
| 20 | 2.20% | ¥505,102 | ¥121,224,361 | ¥23,224,361 |
| 20 | 2.30% | ¥509,809 | ¥122,354,253 | ¥24,354,253 |
| 20 | 2.40% | ¥514,544 | ¥123,490,524 | ¥25,490,524 |
| 20 | 2.50% | ¥519,305 | ¥124,633,160 | ¥26,633,160 |
| 20 | 2.60% | ¥524,092 | ¥125,782,150 | ¥27,782,150 |
| 20 | 2.70% | ¥528,906 | ¥126,937,478 | ¥28,937,478 |
| 20 | 2.80% | ¥533,746 | ¥128,099,132 | ¥30,099,132 |
| 20 | 2.90% | ¥538,613 | ¥129,267,096 | ¥31,267,096 |
| 20 | 3.00% | ¥543,506 | ¥130,441,355 | ¥32,441,355 |
9800万円｜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% | ¥573,687 | ¥103,263,575 | ¥5,263,575 |
| 15 | 0.80% | ¥577,946 | ¥104,030,196 | ¥6,030,196 |
| 15 | 0.90% | ¥582,225 | ¥104,800,482 | ¥6,800,482 |
| 15 | 1.00% | ¥586,525 | ¥105,574,432 | ¥7,574,432 |
| 15 | 1.10% | ¥590,845 | ¥106,352,045 | ¥8,352,045 |
| 15 | 1.20% | ¥595,185 | ¥107,133,317 | ¥9,133,317 |
| 15 | 1.30% | ¥599,546 | ¥107,918,247 | ¥9,918,247 |
| 15 | 1.40% | ¥603,927 | ¥108,706,832 | ¥10,706,832 |
| 15 | 1.50% | ¥608,328 | ¥109,499,069 | ¥11,499,069 |
| 15 | 1.60% | ¥612,750 | ¥110,294,955 | ¥12,294,955 |
| 15 | 1.70% | ¥617,192 | ¥111,094,489 | ¥13,094,489 |
| 15 | 1.80% | ¥621,654 | ¥111,897,665 | ¥13,897,665 |
| 15 | 1.90% | ¥626,136 | ¥112,704,482 | ¥14,704,482 |
| 15 | 2.00% | ¥630,639 | ¥113,514,935 | ¥15,514,935 |
| 15 | 2.10% | ¥635,161 | ¥114,329,021 | ¥16,329,021 |
| 15 | 2.20% | ¥639,704 | ¥115,146,736 | ¥17,146,736 |
| 15 | 2.30% | ¥644,267 | ¥115,968,077 | ¥17,968,077 |
| 15 | 2.40% | ¥648,850 | ¥116,793,038 | ¥18,793,038 |
| 15 | 2.50% | ¥653,453 | ¥117,621,616 | ¥19,621,616 |
| 15 | 2.60% | ¥658,077 | ¥118,453,807 | ¥20,453,807 |
| 15 | 2.70% | ¥662,720 | ¥119,289,606 | ¥21,289,606 |
| 15 | 2.80% | ¥667,383 | ¥120,129,008 | ¥22,129,008 |
| 15 | 2.90% | ¥672,067 | ¥120,972,008 | ¥22,972,008 |
| 15 | 3.00% | ¥676,770 | ¥121,818,601 | ¥23,818,601 |
9800万円｜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% | ¥845,822 | ¥101,498,582 | ¥3,498,582 |
| 10 | 0.80% | ¥850,041 | ¥102,004,907 | ¥4,004,907 |
| 10 | 0.90% | ¥854,274 | ¥102,512,862 | ¥4,512,862 |
| 10 | 1.00% | ¥858,520 | ¥103,022,447 | ¥5,022,447 |
| 10 | 1.10% | ¥862,781 | ¥103,533,661 | ¥5,533,661 |
| 10 | 1.20% | ¥867,054 | ¥104,046,505 | ¥6,046,505 |
| 10 | 1.30% | ¥871,341 | ¥104,560,977 | ¥6,560,977 |
| 10 | 1.40% | ¥875,642 | ¥105,077,077 | ¥7,077,077 |
| 10 | 1.50% | ¥879,957 | ¥105,594,804 | ¥7,594,804 |
| 10 | 1.60% | ¥884,285 | ¥106,114,157 | ¥8,114,157 |
| 10 | 1.70% | ¥888,626 | ¥106,635,137 | ¥8,635,137 |
| 10 | 1.80% | ¥892,981 | ¥107,157,741 | ¥9,157,741 |
| 10 | 1.90% | ¥897,350 | ¥107,681,970 | ¥9,681,970 |
| 10 | 2.00% | ¥901,732 | ¥108,207,822 | ¥10,207,822 |
| 10 | 2.10% | ¥906,127 | ¥108,735,297 | ¥10,735,297 |
| 10 | 2.20% | ¥910,537 | ¥109,264,393 | ¥11,264,393 |
| 10 | 2.30% | ¥914,959 | ¥109,795,111 | ¥11,795,111 |
| 10 | 2.40% | ¥919,395 | ¥110,327,448 | ¥12,327,448 |
| 10 | 2.50% | ¥923,845 | ¥110,861,404 | ¥12,861,404 |
| 10 | 2.60% | ¥928,308 | ¥111,396,979 | ¥13,396,979 |
| 10 | 2.70% | ¥932,785 | ¥111,934,170 | ¥13,934,170 |
| 10 | 2.80% | ¥937,275 | ¥112,472,978 | ¥14,472,978 |
| 10 | 2.90% | ¥941,778 | ¥113,013,400 | ¥15,013,400 |
| 10 | 3.00% | ¥946,295 | ¥113,555,436 | ¥15,555,436 |
