1950万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。1950万円の住宅ローンが、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。
1950万円の住宅ローン｜期間・年数別
1950万円｜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% | ¥38,528 | ¥23,116,787 | ¥3,616,787 |
| 50 | 0.80% | ¥39,443 | ¥23,665,723 | ¥4,165,723 |
| 50 | 0.90% | ¥40,371 | ¥24,222,647 | ¥4,722,647 |
| 50 | 1.00% | ¥41,313 | ¥24,787,524 | ¥5,287,524 |
| 50 | 1.10% | ¥42,267 | ¥25,360,316 | ¥5,860,316 |
| 50 | 1.20% | ¥43,235 | ¥25,940,981 | ¥6,440,981 |
| 50 | 1.30% | ¥44,216 | ¥26,529,473 | ¥7,029,473 |
| 50 | 1.40% | ¥45,210 | ¥27,125,742 | ¥7,625,742 |
| 50 | 1.50% | ¥46,216 | ¥27,729,736 | ¥8,229,736 |
| 50 | 1.60% | ¥47,236 | ¥28,341,399 | ¥8,841,399 |
| 50 | 1.70% | ¥48,268 | ¥28,960,671 | ¥9,460,671 |
| 50 | 1.80% | ¥49,312 | ¥29,587,490 | ¥10,087,490 |
| 50 | 1.90% | ¥50,370 | ¥30,221,791 | ¥10,721,791 |
| 50 | 2.00% | ¥51,439 | ¥30,863,504 | ¥11,363,504 |
| 50 | 2.10% | ¥52,521 | ¥31,512,558 | ¥12,012,558 |
| 50 | 2.20% | ¥53,615 | ¥32,168,879 | ¥12,668,879 |
| 50 | 2.30% | ¥54,721 | ¥32,832,391 | ¥13,332,391 |
| 50 | 2.40% | ¥55,838 | ¥33,503,014 | ¥14,003,014 |
| 50 | 2.50% | ¥56,968 | ¥34,180,667 | ¥14,680,667 |
| 50 | 2.60% | ¥58,109 | ¥34,865,265 | ¥15,365,265 |
| 50 | 2.70% | ¥59,261 | ¥35,556,723 | ¥16,056,723 |
| 50 | 2.80% | ¥60,425 | ¥36,254,953 | ¥16,754,953 |
| 50 | 2.90% | ¥61,600 | ¥36,959,865 | ¥17,459,865 |
| 50 | 3.00% | ¥62,786 | ¥37,671,367 | ¥18,171,367 |
1950万円｜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% | ¥42,107 | ¥22,737,865 | ¥3,237,865 |
| 45 | 0.80% | ¥43,012 | ¥23,226,576 | ¥3,726,576 |
| 45 | 0.90% | ¥43,929 | ¥23,721,777 | ¥4,221,777 |
| 45 | 1.00% | ¥44,858 | ¥24,223,445 | ¥4,723,445 |
| 45 | 1.10% | ¥45,799 | ¥24,731,555 | ¥5,231,555 |
| 45 | 1.20% | ¥46,752 | ¥25,246,078 | ¥5,746,078 |
| 45 | 1.30% | ¥47,717 | ¥25,766,984 | ¥6,266,984 |
| 45 | 1.40% | ¥48,693 | ¥26,294,240 | ¥6,794,240 |
| 45 | 1.50% | ¥49,681 | ¥26,827,812 | ¥7,327,812 |
| 45 | 1.60% | ¥50,681 | ¥27,367,661 | ¥7,867,661 |
| 45 | 1.70% | ¥51,692 | ¥27,913,748 | ¥8,413,748 |
| 45 | 1.80% | ¥52,715 | ¥28,466,031 | ¥8,966,031 |
| 45 | 1.90% | ¥53,749 | ¥29,024,467 | ¥9,524,467 |
| 45 | 2.00% | ¥54,794 | ¥29,589,009 | ¥10,089,009 |
| 45 | 2.10% | ¥55,851 | ¥30,159,610 | ¥10,659,610 |
| 45 | 2.20% | ¥56,919 | ¥30,736,219 | ¥11,236,219 |
| 45 | 2.30% | ¥57,998 | ¥31,318,785 | ¥11,818,785 |
| 45 | 2.40% | ¥59,088 | ¥31,907,254 | ¥12,407,254 |
| 45 | 2.50% | ¥60,188 | ¥32,501,570 | ¥13,001,570 |
| 45 | 2.60% | ¥61,299 | ¥33,101,678 | ¥13,601,678 |
| 45 | 2.70% | ¥62,421 | ¥33,707,517 | ¥14,207,517 |
| 45 | 2.80% | ¥63,554 | ¥34,319,029 | ¥14,819,029 |
| 45 | 2.90% | ¥64,697 | ¥34,936,151 | ¥15,436,151 |
| 45 | 3.00% | ¥65,850 | ¥35,558,821 | ¥16,058,821 |
1950万円｜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% | ¥46,589 | ¥22,362,884 | ¥2,862,884 |
| 40 | 0.80% | ¥47,485 | ¥22,792,561 | ¥3,292,561 |
| 40 | 0.90% | ¥48,390 | ¥23,227,380 | ¥3,727,380 |
| 40 | 1.00% | ¥49,307 | ¥23,667,326 | ¥4,167,326 |
| 40 | 1.10% | ¥50,234 | ¥24,112,383 | ¥4,612,383 |
| 40 | 1.20% | ¥51,172 | ¥24,562,534 | ¥5,062,534 |
| 40 | 1.30% | ¥52,120 | ¥25,017,758 | ¥5,517,758 |
| 40 | 1.40% | ¥53,079 | ¥25,478,037 | ¥5,978,037 |
| 40 | 1.50% | ¥54,049 | ¥25,943,346 | ¥6,443,346 |
| 40 | 1.60% | ¥55,028 | ¥26,413,663 | ¥6,913,663 |
| 40 | 1.70% | ¥56,019 | ¥26,888,962 | ¥7,388,962 |
| 40 | 1.80% | ¥57,019 | ¥27,369,217 | ¥7,869,217 |
| 40 | 1.90% | ¥58,030 | ¥27,854,399 | ¥8,354,399 |
| 40 | 2.00% | ¥59,051 | ¥28,344,480 | ¥8,844,480 |
| 40 | 2.10% | ¥60,082 | ¥28,839,428 | ¥9,339,428 |
| 40 | 2.20% | ¥61,123 | ¥29,339,213 | ¥9,839,213 |
| 40 | 2.30% | ¥62,175 | ¥29,843,800 | ¥10,343,800 |
| 40 | 2.40% | ¥63,236 | ¥30,353,155 | ¥10,853,155 |
| 40 | 2.50% | ¥64,307 | ¥30,867,242 | ¥11,367,242 |
| 40 | 2.60% | ¥65,388 | ¥31,386,025 | ¥11,886,025 |
| 40 | 2.70% | ¥66,478 | ¥31,909,466 | ¥12,409,466 |
| 40 | 2.80% | ¥67,578 | ¥32,437,526 | ¥12,937,526 |
| 40 | 2.90% | ¥68,688 | ¥32,970,165 | ¥13,470,165 |
| 40 | 3.00% | ¥69,807 | ¥33,507,342 | ¥14,007,342 |
1950万円｜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% | ¥52,362 | ¥21,991,852 | ¥2,491,852 |
| 35 | 0.80% | ¥53,247 | ¥22,363,691 | ¥2,863,691 |
| 35 | 0.90% | ¥54,142 | ¥22,739,476 | ¥3,239,476 |
| 35 | 1.00% | ¥55,046 | ¥23,119,199 | ¥3,619,199 |
| 35 | 1.10% | ¥55,959 | ¥23,502,849 | ¥4,002,849 |
| 35 | 1.20% | ¥56,882 | ¥23,890,417 | ¥4,390,417 |
| 35 | 1.30% | ¥57,814 | ¥24,281,891 | ¥4,781,891 |
| 35 | 1.40% | ¥58,755 | ¥24,677,258 | ¥5,177,258 |
| 35 | 1.50% | ¥59,706 | ¥25,076,506 | ¥5,576,506 |
| 35 | 1.60% | ¥60,666 | ¥25,479,619 | ¥5,979,619 |
| 35 | 1.70% | ¥61,635 | ¥25,886,584 | ¥6,386,584 |
| 35 | 1.80% | ¥62,613 | ¥26,297,384 | ¥6,797,384 |
| 35 | 1.90% | ¥63,600 | ¥26,712,002 | ¥7,212,002 |
| 35 | 2.00% | ¥64,596 | ¥27,130,421 | ¥7,630,421 |
| 35 | 2.10% | ¥65,601 | ¥27,552,622 | ¥8,052,622 |
| 35 | 2.20% | ¥66,616 | ¥27,978,587 | ¥8,478,587 |
| 35 | 2.30% | ¥67,639 | ¥28,408,295 | ¥8,908,295 |
| 35 | 2.40% | ¥68,671 | ¥28,841,726 | ¥9,341,726 |
| 35 | 2.50% | ¥69,712 | ¥29,278,858 | ¥9,778,858 |
| 35 | 2.60% | ¥70,761 | ¥29,719,669 | ¥10,219,669 |
| 35 | 2.70% | ¥71,819 | ¥30,164,135 | ¥10,664,135 |
| 35 | 2.80% | ¥72,886 | ¥30,612,234 | ¥11,112,234 |
| 35 | 2.90% | ¥73,962 | ¥31,063,941 | ¥11,563,941 |
| 35 | 3.00% | ¥75,046 | ¥31,519,231 | ¥12,019,231 |
1950万円｜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% | ¥60,069 | ¥21,624,776 | ¥2,124,776 |
| 30 | 0.80% | ¥60,944 | ¥21,939,978 | ¥2,439,978 |
| 30 | 0.90% | ¥61,828 | ¥22,258,086 | ¥2,758,086 |
| 30 | 1.00% | ¥62,720 | ¥22,579,094 | ¥3,079,094 |
| 30 | 1.10% | ¥63,619 | ¥22,902,998 | ¥3,402,998 |
| 30 | 1.20% | ¥64,527 | ¥23,229,790 | ¥3,729,790 |
| 30 | 1.30% | ¥65,443 | ¥23,559,466 | ¥4,059,466 |
| 30 | 1.40% | ¥66,367 | ¥23,892,018 | ¥4,392,018 |
| 30 | 1.50% | ¥67,298 | ¥24,227,439 | ¥4,727,439 |
| 30 | 1.60% | ¥68,238 | ¥24,565,721 | ¥5,065,721 |
| 30 | 1.70% | ¥69,186 | ¥24,906,856 | ¥5,406,856 |
| 30 | 1.80% | ¥70,141 | ¥25,250,834 | ¥5,750,834 |
| 30 | 1.90% | ¥71,105 | ¥25,597,648 | ¥6,097,648 |
| 30 | 2.00% | ¥72,076 | ¥25,947,287 | ¥6,447,287 |
| 30 | 2.10% | ¥73,055 | ¥26,299,741 | ¥6,799,741 |
| 30 | 2.20% | ¥74,042 | ¥26,654,999 | ¥7,154,999 |
| 30 | 2.30% | ¥75,036 | ¥27,013,051 | ¥7,513,051 |
| 30 | 2.40% | ¥76,039 | ¥27,373,884 | ¥7,873,884 |
| 30 | 2.50% | ¥77,049 | ¥27,737,487 | ¥8,237,487 |
| 30 | 2.60% | ¥78,066 | ¥28,103,848 | ¥8,603,848 |
| 30 | 2.70% | ¥79,092 | ¥28,472,953 | ¥8,972,953 |
| 30 | 2.80% | ¥80,124 | ¥28,844,790 | ¥9,344,790 |
| 30 | 2.90% | ¥81,165 | ¥29,219,345 | ¥9,719,345 |
| 30 | 3.00% | ¥82,213 | ¥29,596,603 | ¥10,096,603 |
1950万円｜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% | ¥70,872 | ¥21,261,663 | ¥1,761,663 |
| 25 | 0.80% | ¥71,738 | ¥21,521,434 | ¥2,021,434 |
| 25 | 0.90% | ¥72,611 | ¥21,783,227 | ¥2,283,227 |
| 25 | 1.00% | ¥73,490 | ¥22,047,039 | ¥2,547,039 |
| 25 | 1.10% | ¥74,376 | ¥22,312,866 | ¥2,812,866 |
| 25 | 1.20% | ¥75,269 | ¥22,580,707 | ¥3,080,707 |
| 25 | 1.30% | ¥76,169 | ¥22,850,557 | ¥3,350,557 |
| 25 | 1.40% | ¥77,075 | ¥23,122,415 | ¥3,622,415 |
| 25 | 1.50% | ¥77,988 | ¥23,396,275 | ¥3,896,275 |
| 25 | 1.60% | ¥78,907 | ¥23,672,135 | ¥4,172,135 |
| 25 | 1.70% | ¥79,833 | ¥23,949,989 | ¥4,449,989 |
| 25 | 1.80% | ¥80,766 | ¥24,229,835 | ¥4,729,835 |
| 25 | 1.90% | ¥81,706 | ¥24,511,666 | ¥5,011,666 |
| 25 | 2.00% | ¥82,652 | ¥24,795,479 | ¥5,295,479 |
| 25 | 2.10% | ¥83,604 | ¥25,081,268 | ¥5,581,268 |
| 25 | 2.20% | ¥84,563 | ¥25,369,028 | ¥5,869,028 |
| 25 | 2.30% | ¥85,529 | ¥25,658,754 | ¥6,158,754 |
| 25 | 2.40% | ¥86,501 | ¥25,950,439 | ¥6,450,439 |
| 25 | 2.50% | ¥87,480 | ¥26,244,079 | ¥6,744,079 |
| 25 | 2.60% | ¥88,466 | ¥26,539,666 | ¥7,039,666 |
| 25 | 2.70% | ¥89,457 | ¥26,837,195 | ¥7,337,195 |
| 25 | 2.80% | ¥90,456 | ¥27,136,658 | ¥7,636,658 |
| 25 | 2.90% | ¥91,460 | ¥27,438,050 | ¥7,938,050 |
| 25 | 3.00% | ¥92,471 | ¥27,741,362 | ¥8,241,362 |
1950万円｜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% | ¥87,094 | ¥20,902,517 | ¥1,402,517 |
| 20 | 0.80% | ¥87,950 | ¥21,108,068 | ¥1,608,068 |
| 20 | 0.90% | ¥88,812 | ¥21,314,913 | ¥1,814,913 |
| 20 | 1.00% | ¥89,679 | ¥21,523,054 | ¥2,023,054 |
| 20 | 1.10% | ¥90,552 | ¥21,732,487 | ¥2,232,487 |
| 20 | 1.20% | ¥91,430 | ¥21,943,212 | ¥2,443,212 |
| 20 | 1.30% | ¥92,313 | ¥22,155,228 | ¥2,655,228 |
| 20 | 1.40% | ¥93,202 | ¥22,368,533 | ¥2,868,533 |
| 20 | 1.50% | ¥94,096 | ¥22,583,125 | ¥3,083,125 |
| 20 | 1.60% | ¥94,996 | ¥22,799,004 | ¥3,299,004 |
| 20 | 1.70% | ¥95,901 | ¥23,016,166 | ¥3,516,166 |
| 20 | 1.80% | ¥96,811 | ¥23,234,611 | ¥3,734,611 |
| 20 | 1.90% | ¥97,726 | ¥23,454,336 | ¥3,954,336 |
| 20 | 2.00% | ¥98,647 | ¥23,675,340 | ¥4,175,340 |
| 20 | 2.10% | ¥99,573 | ¥23,897,620 | ¥4,397,620 |
| 20 | 2.20% | ¥100,505 | ¥24,121,174 | ¥4,621,174 |
| 20 | 2.30% | ¥101,442 | ¥24,345,999 | ¥4,845,999 |
| 20 | 2.40% | ¥102,384 | ¥24,572,094 | ¥5,072,094 |
| 20 | 2.50% | ¥103,331 | ¥24,799,455 | ¥5,299,455 |
| 20 | 2.60% | ¥104,284 | ¥25,028,081 | ¥5,528,081 |
| 20 | 2.70% | ¥105,242 | ¥25,257,968 | ¥5,757,968 |
| 20 | 2.80% | ¥106,205 | ¥25,489,113 | ¥5,989,113 |
| 20 | 2.90% | ¥107,173 | ¥25,721,514 | ¥6,221,514 |
| 20 | 3.00% | ¥108,147 | ¥25,955,168 | ¥6,455,168 |
1950万円｜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% | ¥114,152 | ¥20,547,344 | ¥1,047,344 |
| 15 | 0.80% | ¥114,999 | ¥20,699,886 | ¥1,199,886 |
| 15 | 0.90% | ¥115,851 | ¥20,853,157 | ¥1,353,157 |
| 15 | 1.00% | ¥116,706 | ¥21,007,157 | ¥1,507,157 |
| 15 | 1.10% | ¥117,566 | ¥21,161,886 | ¥1,661,886 |
| 15 | 1.20% | ¥118,430 | ¥21,317,344 | ¥1,817,344 |
| 15 | 1.30% | ¥119,297 | ¥21,473,529 | ¥1,973,529 |
| 15 | 1.40% | ¥120,169 | ¥21,630,441 | ¥2,130,441 |
| 15 | 1.50% | ¥121,045 | ¥21,788,080 | ¥2,288,080 |
| 15 | 1.60% | ¥121,925 | ¥21,946,445 | ¥2,446,445 |
| 15 | 1.70% | ¥122,809 | ¥22,105,536 | ¥2,605,536 |
| 15 | 1.80% | ¥123,696 | ¥22,265,352 | ¥2,765,352 |
| 15 | 1.90% | ¥124,588 | ¥22,425,892 | ¥2,925,892 |
| 15 | 2.00% | ¥125,484 | ¥22,587,155 | ¥3,087,155 |
| 15 | 2.10% | ¥126,384 | ¥22,749,142 | ¥3,249,142 |
| 15 | 2.20% | ¥127,288 | ¥22,911,851 | ¥3,411,851 |
| 15 | 2.30% | ¥128,196 | ¥23,075,281 | ¥3,575,281 |
| 15 | 2.40% | ¥129,108 | ¥23,239,431 | ¥3,739,431 |
| 15 | 2.50% | ¥130,024 | ¥23,404,301 | ¥3,904,301 |
| 15 | 2.60% | ¥130,944 | ¥23,569,890 | ¥4,069,890 |
| 15 | 2.70% | ¥131,868 | ¥23,736,197 | ¥4,236,197 |
| 15 | 2.80% | ¥132,796 | ¥23,903,221 | ¥4,403,221 |
| 15 | 2.90% | ¥133,728 | ¥24,070,961 | ¥4,570,961 |
| 15 | 3.00% | ¥134,663 | ¥24,239,416 | ¥4,739,416 |
1950万円｜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% | ¥168,301 | ¥20,196,146 | ¥696,146 |
| 10 | 0.80% | ¥169,141 | ¥20,296,895 | ¥796,895 |
| 10 | 0.90% | ¥169,983 | ¥20,397,967 | ¥897,967 |
| 10 | 1.00% | ¥170,828 | ¥20,499,364 | ¥999,364 |
| 10 | 1.10% | ¥171,676 | ¥20,601,086 | ¥1,101,086 |
| 10 | 1.20% | ¥172,526 | ¥20,703,131 | ¥1,203,131 |
| 10 | 1.30% | ¥173,379 | ¥20,805,501 | ¥1,305,501 |
| 10 | 1.40% | ¥174,235 | ¥20,908,194 | ¥1,408,194 |
| 10 | 1.50% | ¥175,093 | ¥21,011,211 | ¥1,511,211 |
| 10 | 1.60% | ¥175,955 | ¥21,114,552 | ¥1,614,552 |
| 10 | 1.70% | ¥176,818 | ¥21,218,216 | ¥1,718,216 |
| 10 | 1.80% | ¥177,685 | ¥21,322,204 | ¥1,822,204 |
| 10 | 1.90% | ¥178,554 | ¥21,426,514 | ¥1,926,514 |
| 10 | 2.00% | ¥179,426 | ¥21,531,148 | ¥2,031,148 |
| 10 | 2.10% | ¥180,301 | ¥21,636,105 | ¥2,136,105 |
| 10 | 2.20% | ¥181,178 | ¥21,741,384 | ¥2,241,384 |
| 10 | 2.30% | ¥182,058 | ¥21,846,986 | ¥2,346,986 |
| 10 | 2.40% | ¥182,941 | ¥21,952,911 | ¥2,452,911 |
| 10 | 2.50% | ¥183,826 | ¥22,059,157 | ¥2,559,157 |
| 10 | 2.60% | ¥184,714 | ¥22,165,725 | ¥2,665,725 |
| 10 | 2.70% | ¥185,605 | ¥22,272,616 | ¥2,772,616 |
| 10 | 2.80% | ¥186,499 | ¥22,379,827 | ¥2,879,827 |
| 10 | 2.90% | ¥187,395 | ¥22,487,360 | ¥2,987,360 |
| 10 | 3.00% | ¥188,293 | ¥22,595,214 | ¥3,095,214 |
