3100万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。3100万円の住宅ローンが、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。
3100万円の住宅ローン｜期間・年数別
3100万円｜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% | ¥61,250 | ¥36,749,763 | ¥5,749,763 |
| 50 | 0.80% | ¥62,704 | ¥37,622,431 | ¥6,622,431 |
| 50 | 0.90% | ¥64,180 | ¥38,507,797 | ¥7,507,797 |
| 50 | 1.00% | ¥65,676 | ¥39,405,808 | ¥8,405,808 |
| 50 | 1.10% | ¥67,194 | ¥40,316,400 | ¥9,316,400 |
| 50 | 1.20% | ¥68,733 | ¥41,239,508 | ¥10,239,508 |
| 50 | 1.30% | ¥70,292 | ¥42,175,059 | ¥11,175,059 |
| 50 | 1.40% | ¥71,872 | ¥43,122,975 | ¥12,122,975 |
| 50 | 1.50% | ¥73,472 | ¥44,083,170 | ¥13,083,170 |
| 50 | 1.60% | ¥75,093 | ¥45,055,557 | ¥14,055,557 |
| 50 | 1.70% | ¥76,733 | ¥46,040,042 | ¥15,040,042 |
| 50 | 1.80% | ¥78,394 | ¥47,036,523 | ¥16,036,523 |
| 50 | 1.90% | ¥80,075 | ¥48,044,898 | ¥17,044,898 |
| 50 | 2.00% | ¥81,775 | ¥49,065,057 | ¥18,065,057 |
| 50 | 2.10% | ¥83,495 | ¥50,096,887 | ¥19,096,887 |
| 50 | 2.20% | ¥85,234 | ¥51,140,270 | ¥20,140,270 |
| 50 | 2.30% | ¥86,992 | ¥52,195,083 | ¥21,195,083 |
| 50 | 2.40% | ¥88,769 | ¥53,261,202 | ¥22,261,202 |
| 50 | 2.50% | ¥90,564 | ¥54,338,496 | ¥23,338,496 |
| 50 | 2.60% | ¥92,378 | ¥55,426,832 | ¥24,426,832 |
| 50 | 2.70% | ¥94,210 | ¥56,526,073 | ¥25,526,073 |
| 50 | 2.80% | ¥96,060 | ¥57,636,079 | ¥26,636,079 |
| 50 | 2.90% | ¥97,928 | ¥58,756,709 | ¥27,756,709 |
| 50 | 3.00% | ¥99,813 | ¥59,887,815 | ¥28,887,815 |
3100万円｜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% | ¥66,940 | ¥36,147,375 | ¥5,147,375 |
| 45 | 0.80% | ¥68,378 | ¥36,924,300 | ¥5,924,300 |
| 45 | 0.90% | ¥69,836 | ¥37,711,543 | ¥6,711,543 |
| 45 | 1.00% | ¥71,313 | ¥38,509,067 | ¥7,509,067 |
| 45 | 1.10% | ¥72,809 | ¥39,316,831 | ¥8,316,831 |
| 45 | 1.20% | ¥74,324 | ¥40,134,791 | ¥9,134,791 |
| 45 | 1.30% | ¥75,857 | ¥40,962,898 | ¥9,962,898 |
| 45 | 1.40% | ¥77,409 | ¥41,801,100 | ¥10,801,100 |
| 45 | 1.50% | ¥78,980 | ¥42,649,341 | ¥11,649,341 |
| 45 | 1.60% | ¥80,570 | ¥43,507,563 | ¥12,507,563 |
| 45 | 1.70% | ¥82,177 | ¥44,375,702 | ¥13,375,702 |
| 45 | 1.80% | ¥83,803 | ¥45,253,691 | ¥14,253,691 |
| 45 | 1.90% | ¥85,447 | ¥46,141,460 | ¥15,141,460 |
| 45 | 2.00% | ¥87,109 | ¥47,038,938 | ¥16,038,938 |
| 45 | 2.10% | ¥88,789 | ¥47,946,047 | ¥16,946,047 |
| 45 | 2.20% | ¥90,486 | ¥48,862,707 | ¥17,862,707 |
| 45 | 2.30% | ¥92,202 | ¥49,788,837 | ¥18,788,837 |
| 45 | 2.40% | ¥93,934 | ¥50,724,352 | ¥19,724,352 |
| 45 | 2.50% | ¥95,684 | ¥51,669,163 | ¥20,669,163 |
| 45 | 2.60% | ¥97,450 | ¥52,623,180 | ¥21,623,180 |
| 45 | 2.70% | ¥99,234 | ¥53,586,310 | ¥22,586,310 |
| 45 | 2.80% | ¥101,034 | ¥54,558,457 | ¥23,558,457 |
| 45 | 2.90% | ¥102,851 | ¥55,539,523 | ¥24,539,523 |
| 45 | 3.00% | ¥104,684 | ¥56,529,408 | ¥25,529,408 |
3100万円｜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% | ¥74,065 | ¥35,551,251 | ¥4,551,251 |
| 40 | 0.80% | ¥75,488 | ¥36,234,327 | ¥5,234,327 |
| 40 | 0.90% | ¥76,928 | ¥36,925,578 | ¥5,925,578 |
| 40 | 1.00% | ¥78,385 | ¥37,624,979 | ¥6,624,979 |
| 40 | 1.10% | ¥79,859 | ¥38,332,506 | ¥7,332,506 |
| 40 | 1.20% | ¥81,350 | ¥39,048,130 | ¥8,048,130 |
| 40 | 1.30% | ¥82,858 | ¥39,771,821 | ¥8,771,821 |
| 40 | 1.40% | ¥84,382 | ¥40,503,545 | ¥9,503,545 |
| 40 | 1.50% | ¥85,923 | ¥41,243,268 | ¥10,243,268 |
| 40 | 1.60% | ¥87,481 | ¥41,990,951 | ¥10,990,951 |
| 40 | 1.70% | ¥89,055 | ¥42,746,555 | ¥11,746,555 |
| 40 | 1.80% | ¥90,646 | ¥43,510,037 | ¥12,510,037 |
| 40 | 1.90% | ¥92,253 | ¥44,281,352 | ¥13,281,352 |
| 40 | 2.00% | ¥93,876 | ¥45,060,455 | ¥14,060,455 |
| 40 | 2.10% | ¥95,515 | ¥45,847,296 | ¥14,847,296 |
| 40 | 2.20% | ¥97,170 | ¥46,641,825 | ¥15,641,825 |
| 40 | 2.30% | ¥98,842 | ¥47,443,989 | ¥16,443,989 |
| 40 | 2.40% | ¥100,529 | ¥48,253,733 | ¥17,253,733 |
| 40 | 2.50% | ¥102,231 | ¥49,071,000 | ¥18,071,000 |
| 40 | 2.60% | ¥103,949 | ¥49,895,733 | ¥18,895,733 |
| 40 | 2.70% | ¥105,683 | ¥50,727,870 | ¥19,727,870 |
| 40 | 2.80% | ¥107,432 | ¥51,567,350 | ¥20,567,350 |
| 40 | 2.90% | ¥109,196 | ¥52,414,109 | ¥21,414,109 |
| 40 | 3.00% | ¥110,975 | ¥53,268,082 | ¥22,268,082 |
3100万円｜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% | ¥83,241 | ¥34,961,405 | ¥3,961,405 |
| 35 | 0.80% | ¥84,649 | ¥35,552,534 | ¥4,552,534 |
| 35 | 0.90% | ¥86,071 | ¥36,149,936 | ¥5,149,936 |
| 35 | 1.00% | ¥87,509 | ¥36,753,598 | ¥5,753,598 |
| 35 | 1.10% | ¥88,961 | ¥37,363,504 | ¥6,363,504 |
| 35 | 1.20% | ¥90,428 | ¥37,979,638 | ¥6,979,638 |
| 35 | 1.30% | ¥91,909 | ¥38,601,980 | ¥7,601,980 |
| 35 | 1.40% | ¥93,406 | ¥39,230,513 | ¥8,230,513 |
| 35 | 1.50% | ¥94,917 | ¥39,865,214 | ¥8,865,214 |
| 35 | 1.60% | ¥96,443 | ¥40,506,061 | ¥9,506,061 |
| 35 | 1.70% | ¥97,983 | ¥41,153,031 | ¥10,153,031 |
| 35 | 1.80% | ¥99,538 | ¥41,806,097 | ¥10,806,097 |
| 35 | 1.90% | ¥101,108 | ¥42,465,234 | ¥11,465,234 |
| 35 | 2.00% | ¥102,691 | ¥43,130,413 | ¥12,130,413 |
| 35 | 2.10% | ¥104,290 | ¥43,801,605 | ¥12,801,605 |
| 35 | 2.20% | ¥105,902 | ¥44,478,780 | ¥13,478,780 |
| 35 | 2.30% | ¥107,528 | ¥45,161,906 | ¥14,161,906 |
| 35 | 2.40% | ¥109,169 | ¥45,850,949 | ¥14,850,949 |
| 35 | 2.50% | ¥110,824 | ¥46,545,877 | ¥15,545,877 |
| 35 | 2.60% | ¥112,492 | ¥47,246,653 | ¥16,246,653 |
| 35 | 2.70% | ¥114,174 | ¥47,953,241 | ¥16,953,241 |
| 35 | 2.80% | ¥115,870 | ¥48,665,603 | ¥17,665,603 |
| 35 | 2.90% | ¥117,580 | ¥49,383,701 | ¥18,383,701 |
| 35 | 3.00% | ¥119,304 | ¥50,107,495 | ¥19,107,495 |
3100万円｜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% | ¥95,494 | ¥34,377,849 | ¥3,377,849 |
| 30 | 0.80% | ¥96,886 | ¥34,878,940 | ¥3,878,940 |
| 30 | 0.90% | ¥98,291 | ¥35,384,650 | ¥4,384,650 |
| 30 | 1.00% | ¥99,708 | ¥35,894,970 | ¥4,894,970 |
| 30 | 1.10% | ¥101,139 | ¥36,409,894 | ¥5,409,894 |
| 30 | 1.20% | ¥102,582 | ¥36,929,410 | ¥5,929,410 |
| 30 | 1.30% | ¥104,038 | ¥37,453,510 | ¥6,453,510 |
| 30 | 1.40% | ¥105,506 | ¥37,982,182 | ¥6,982,182 |
| 30 | 1.50% | ¥106,987 | ¥38,515,415 | ¥7,515,415 |
| 30 | 1.60% | ¥108,481 | ¥39,053,197 | ¥8,053,197 |
| 30 | 1.70% | ¥109,988 | ¥39,595,514 | ¥8,595,514 |
| 30 | 1.80% | ¥111,507 | ¥40,142,352 | ¥9,142,352 |
| 30 | 1.90% | ¥113,038 | ¥40,693,697 | ¥9,693,697 |
| 30 | 2.00% | ¥114,582 | ¥41,249,533 | ¥10,249,533 |
| 30 | 2.10% | ¥116,138 | ¥41,809,844 | ¥10,809,844 |
| 30 | 2.20% | ¥117,707 | ¥42,374,614 | ¥11,374,614 |
| 30 | 2.30% | ¥119,288 | ¥42,943,824 | ¥11,943,824 |
| 30 | 2.40% | ¥120,882 | ¥43,517,456 | ¥12,517,456 |
| 30 | 2.50% | ¥122,487 | ¥44,095,492 | ¥13,095,492 |
| 30 | 2.60% | ¥124,105 | ¥44,677,912 | ¥13,677,912 |
| 30 | 2.70% | ¥125,735 | ¥45,264,695 | ¥14,264,695 |
| 30 | 2.80% | ¥127,377 | ¥45,855,820 | ¥14,855,820 |
| 30 | 2.90% | ¥129,031 | ¥46,451,266 | ¥15,451,266 |
| 30 | 3.00% | ¥130,697 | ¥47,051,010 | ¥16,051,010 |
3100万円｜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% | ¥112,669 | ¥33,800,592 | ¥2,800,592 |
| 25 | 0.80% | ¥114,045 | ¥34,213,562 | ¥3,213,562 |
| 25 | 0.90% | ¥115,432 | ¥34,629,746 | ¥3,629,746 |
| 25 | 1.00% | ¥116,830 | ¥35,049,138 | ¥4,049,138 |
| 25 | 1.10% | ¥118,239 | ¥35,471,736 | ¥4,471,736 |
| 25 | 1.20% | ¥119,658 | ¥35,897,534 | ¥4,897,534 |
| 25 | 1.30% | ¥121,088 | ¥36,326,527 | ¥5,326,527 |
| 25 | 1.40% | ¥122,529 | ¥36,758,711 | ¥5,758,711 |
| 25 | 1.50% | ¥123,980 | ¥37,194,078 | ¥6,194,078 |
| 25 | 1.60% | ¥125,442 | ¥37,632,624 | ¥6,632,624 |
| 25 | 1.70% | ¥126,914 | ¥38,074,342 | ¥7,074,342 |
| 25 | 1.80% | ¥128,397 | ¥38,519,224 | ¥7,519,224 |
| 25 | 1.90% | ¥129,891 | ¥38,967,264 | ¥7,967,264 |
| 25 | 2.00% | ¥131,395 | ¥39,418,453 | ¥8,418,453 |
| 25 | 2.10% | ¥132,909 | ¥39,872,785 | ¥8,872,785 |
| 25 | 2.20% | ¥134,434 | ¥40,330,250 | ¥9,330,250 |
| 25 | 2.30% | ¥135,969 | ¥40,790,839 | ¥9,790,839 |
| 25 | 2.40% | ¥137,515 | ¥41,254,545 | ¥10,254,545 |
| 25 | 2.50% | ¥139,071 | ¥41,721,356 | ¥10,721,356 |
| 25 | 2.60% | ¥140,638 | ¥42,191,264 | ¥11,191,264 |
| 25 | 2.70% | ¥142,214 | ¥42,664,258 | ¥11,664,258 |
| 25 | 2.80% | ¥143,801 | ¥43,140,328 | ¥12,140,328 |
| 25 | 2.90% | ¥145,398 | ¥43,619,463 | ¥12,619,463 |
| 25 | 3.00% | ¥147,006 | ¥44,101,652 | ¥13,101,652 |
3100万円｜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% | ¥138,457 | ¥33,229,643 | ¥2,229,643 |
| 20 | 0.80% | ¥139,818 | ¥33,556,415 | ¥2,556,415 |
| 20 | 0.90% | ¥141,189 | ¥33,885,247 | ¥2,885,247 |
| 20 | 1.00% | ¥142,567 | ¥34,216,136 | ¥3,216,136 |
| 20 | 1.10% | ¥143,955 | ¥34,549,082 | ¥3,549,082 |
| 20 | 1.20% | ¥145,350 | ¥34,884,081 | ¥3,884,081 |
| 20 | 1.30% | ¥146,755 | ¥35,221,131 | ¥4,221,131 |
| 20 | 1.40% | ¥148,168 | ¥35,560,231 | ¥4,560,231 |
| 20 | 1.50% | ¥149,589 | ¥35,901,378 | ¥4,901,378 |
| 20 | 1.60% | ¥151,019 | ¥36,244,570 | ¥5,244,570 |
| 20 | 1.70% | ¥152,458 | ¥36,589,803 | ¥5,589,803 |
| 20 | 1.80% | ¥153,904 | ¥36,937,074 | ¥5,937,074 |
| 20 | 1.90% | ¥155,360 | ¥37,286,381 | ¥6,286,381 |
| 20 | 2.00% | ¥156,824 | ¥37,637,720 | ¥6,637,720 |
| 20 | 2.10% | ¥158,296 | ¥37,991,088 | ¥6,991,088 |
| 20 | 2.20% | ¥159,777 | ¥38,346,481 | ¥7,346,481 |
| 20 | 2.30% | ¥161,266 | ¥38,703,896 | ¥7,703,896 |
| 20 | 2.40% | ¥162,764 | ¥39,063,329 | ¥8,063,329 |
| 20 | 2.50% | ¥164,270 | ¥39,424,775 | ¥8,424,775 |
| 20 | 2.60% | ¥165,784 | ¥39,788,231 | ¥8,788,231 |
| 20 | 2.70% | ¥167,307 | ¥40,153,692 | ¥9,153,692 |
| 20 | 2.80% | ¥168,838 | ¥40,521,154 | ¥9,521,154 |
| 20 | 2.90% | ¥170,378 | ¥40,890,612 | ¥9,890,612 |
| 20 | 3.00% | ¥171,925 | ¥41,262,061 | ¥10,262,061 |
3100万円｜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% | ¥181,472 | ¥32,665,009 | ¥1,665,009 |
| 15 | 0.80% | ¥182,820 | ¥32,907,511 | ¥1,907,511 |
| 15 | 0.90% | ¥184,173 | ¥33,151,173 | ¥2,151,173 |
| 15 | 1.00% | ¥185,533 | ¥33,395,994 | ¥2,395,994 |
| 15 | 1.10% | ¥186,900 | ¥33,641,973 | ¥2,641,973 |
| 15 | 1.20% | ¥188,273 | ¥33,889,111 | ¥2,889,111 |
| 15 | 1.30% | ¥189,652 | ¥34,137,405 | ¥3,137,405 |
| 15 | 1.40% | ¥191,038 | ¥34,386,855 | ¥3,386,855 |
| 15 | 1.50% | ¥192,430 | ¥34,637,461 | ¥3,637,461 |
| 15 | 1.60% | ¥193,829 | ¥34,889,221 | ¥3,889,221 |
| 15 | 1.70% | ¥195,234 | ¥35,142,134 | ¥4,142,134 |
| 15 | 1.80% | ¥196,646 | ¥35,396,200 | ¥4,396,200 |
| 15 | 1.90% | ¥198,063 | ¥35,651,418 | ¥4,651,418 |
| 15 | 2.00% | ¥199,488 | ¥35,907,785 | ¥4,907,785 |
| 15 | 2.10% | ¥200,918 | ¥36,165,303 | ¥5,165,303 |
| 15 | 2.20% | ¥202,355 | ¥36,423,968 | ¥5,423,968 |
| 15 | 2.30% | ¥203,799 | ¥36,683,779 | ¥5,683,779 |
| 15 | 2.40% | ¥205,249 | ¥36,944,737 | ¥5,944,737 |
| 15 | 2.50% | ¥206,705 | ¥37,206,838 | ¥6,206,838 |
| 15 | 2.60% | ¥208,167 | ¥37,470,082 | ¥6,470,082 |
| 15 | 2.70% | ¥209,636 | ¥37,734,467 | ¥6,734,467 |
| 15 | 2.80% | ¥211,111 | ¥37,999,992 | ¥6,999,992 |
| 15 | 2.90% | ¥212,593 | ¥38,266,656 | ¥7,266,656 |
| 15 | 3.00% | ¥214,080 | ¥38,534,456 | ¥7,534,456 |
3100万円｜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% | ¥267,556 | ¥32,106,694 | ¥1,106,694 |
| 10 | 0.80% | ¥268,890 | ¥32,266,858 | ¥1,266,858 |
| 10 | 0.90% | ¥270,229 | ¥32,427,538 | ¥1,427,538 |
| 10 | 1.00% | ¥271,573 | ¥32,588,733 | ¥1,588,733 |
| 10 | 1.10% | ¥272,920 | ¥32,750,444 | ¥1,750,444 |
| 10 | 1.20% | ¥274,272 | ¥32,912,670 | ¥1,912,670 |
| 10 | 1.30% | ¥275,628 | ¥33,075,411 | ¥2,075,411 |
| 10 | 1.40% | ¥276,989 | ¥33,238,667 | ¥2,238,667 |
| 10 | 1.50% | ¥278,354 | ¥33,402,438 | ¥2,402,438 |
| 10 | 1.60% | ¥279,723 | ¥33,566,723 | ¥2,566,723 |
| 10 | 1.70% | ¥281,096 | ¥33,731,523 | ¥2,731,523 |
| 10 | 1.80% | ¥282,474 | ¥33,896,836 | ¥2,896,836 |
| 10 | 1.90% | ¥283,856 | ¥34,062,664 | ¥3,062,664 |
| 10 | 2.00% | ¥285,242 | ¥34,229,005 | ¥3,229,005 |
| 10 | 2.10% | ¥286,632 | ¥34,395,859 | ¥3,395,859 |
| 10 | 2.20% | ¥288,027 | ¥34,563,226 | ¥3,563,226 |
| 10 | 2.30% | ¥289,426 | ¥34,731,106 | ¥3,731,106 |
| 10 | 2.40% | ¥290,829 | ¥34,899,499 | ¥3,899,499 |
| 10 | 2.50% | ¥292,237 | ¥35,068,403 | ¥4,068,403 |
| 10 | 2.60% | ¥293,648 | ¥35,237,820 | ¥4,237,820 |
| 10 | 2.70% | ¥295,065 | ¥35,407,748 | ¥4,407,748 |
| 10 | 2.80% | ¥296,485 | ¥35,578,187 | ¥4,578,187 |
| 10 | 2.90% | ¥297,909 | ¥35,749,137 | ¥4,749,137 |
| 10 | 3.00% | ¥299,338 | ¥35,920,597 | ¥4,920,597 |
