3120万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。3120万円の住宅ローンが、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。
3120万円の住宅ローン｜期間・年数別
3120万円｜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% |
¥61,645 |
¥36,986,858 |
¥5,786,858 |
| 50 |
0.80% |
¥63,109 |
¥37,865,156 |
¥6,665,156 |
| 50 |
0.90% |
¥64,594 |
¥38,756,235 |
¥7,556,235 |
| 50 |
1.00% |
¥66,100 |
¥39,660,039 |
¥8,460,039 |
| 50 |
1.10% |
¥67,628 |
¥40,576,506 |
¥9,376,506 |
| 50 |
1.20% |
¥69,176 |
¥41,505,570 |
¥10,305,570 |
| 50 |
1.30% |
¥70,745 |
¥42,447,156 |
¥11,247,156 |
| 50 |
1.40% |
¥72,335 |
¥43,401,187 |
¥12,201,187 |
| 50 |
1.50% |
¥73,946 |
¥44,367,578 |
¥13,167,578 |
| 50 |
1.60% |
¥75,577 |
¥45,346,238 |
¥14,146,238 |
| 50 |
1.70% |
¥77,228 |
¥46,337,074 |
¥15,137,074 |
| 50 |
1.80% |
¥78,900 |
¥47,339,985 |
¥16,139,985 |
| 50 |
1.90% |
¥80,591 |
¥48,354,865 |
¥17,154,865 |
| 50 |
2.00% |
¥82,303 |
¥49,381,606 |
¥18,181,606 |
| 50 |
2.10% |
¥84,033 |
¥50,420,093 |
¥19,220,093 |
| 50 |
2.20% |
¥85,784 |
¥51,470,207 |
¥20,270,207 |
| 50 |
2.30% |
¥87,553 |
¥52,531,826 |
¥21,331,826 |
| 50 |
2.40% |
¥89,341 |
¥53,604,823 |
¥22,404,823 |
| 50 |
2.50% |
¥91,148 |
¥54,689,067 |
¥23,489,067 |
| 50 |
2.60% |
¥92,974 |
¥55,784,424 |
¥24,584,424 |
| 50 |
2.70% |
¥94,818 |
¥56,890,757 |
¥25,690,757 |
| 50 |
2.80% |
¥96,680 |
¥58,007,925 |
¥26,807,925 |
| 50 |
2.90% |
¥98,560 |
¥59,135,784 |
¥27,935,784 |
| 50 |
3.00% |
¥100,457 |
¥60,274,188 |
¥29,074,188 |
3120万円｜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% |
¥67,371 |
¥36,380,584 |
¥5,180,584 |
| 45 |
0.80% |
¥68,819 |
¥37,162,522 |
¥5,962,522 |
| 45 |
0.90% |
¥70,287 |
¥37,954,844 |
¥6,754,844 |
| 45 |
1.00% |
¥71,773 |
¥38,757,513 |
¥7,557,513 |
| 45 |
1.10% |
¥73,279 |
¥39,570,488 |
¥8,370,488 |
| 45 |
1.20% |
¥74,803 |
¥40,393,725 |
¥9,193,725 |
| 45 |
1.30% |
¥76,347 |
¥41,227,174 |
¥10,027,174 |
| 45 |
1.40% |
¥77,909 |
¥42,070,784 |
¥10,870,784 |
| 45 |
1.50% |
¥79,490 |
¥42,924,498 |
¥11,724,498 |
| 45 |
1.60% |
¥81,089 |
¥43,788,257 |
¥12,588,257 |
| 45 |
1.70% |
¥82,707 |
¥44,661,996 |
¥13,461,996 |
| 45 |
1.80% |
¥84,344 |
¥45,545,650 |
¥14,345,650 |
| 45 |
1.90% |
¥85,998 |
¥46,439,147 |
¥15,239,147 |
| 45 |
2.00% |
¥87,671 |
¥47,342,415 |
¥16,142,415 |
| 45 |
2.10% |
¥89,362 |
¥48,255,376 |
¥17,055,376 |
| 45 |
2.20% |
¥91,070 |
¥49,177,950 |
¥17,977,950 |
| 45 |
2.30% |
¥92,796 |
¥50,110,056 |
¥18,910,056 |
| 45 |
2.40% |
¥94,540 |
¥51,051,606 |
¥19,851,606 |
| 45 |
2.50% |
¥96,301 |
¥52,002,513 |
¥20,802,513 |
| 45 |
2.60% |
¥98,079 |
¥52,962,685 |
¥21,762,685 |
| 45 |
2.70% |
¥99,874 |
¥53,932,028 |
¥22,732,028 |
| 45 |
2.80% |
¥101,686 |
¥54,910,447 |
¥23,710,447 |
| 45 |
2.90% |
¥103,515 |
¥55,897,842 |
¥24,697,842 |
| 45 |
3.00% |
¥105,359 |
¥56,894,114 |
¥25,694,114 |
3120万円｜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% |
¥74,543 |
¥35,780,614 |
¥4,580,614 |
| 40 |
0.80% |
¥75,975 |
¥36,468,097 |
¥5,268,097 |
| 40 |
0.90% |
¥77,425 |
¥37,163,807 |
¥5,963,807 |
| 40 |
1.00% |
¥78,891 |
¥37,867,721 |
¥6,667,721 |
| 40 |
1.10% |
¥80,375 |
¥38,579,813 |
¥7,379,813 |
| 40 |
1.20% |
¥81,875 |
¥39,300,054 |
¥8,100,054 |
| 40 |
1.30% |
¥83,393 |
¥40,028,413 |
¥8,828,413 |
| 40 |
1.40% |
¥84,927 |
¥40,764,859 |
¥9,564,859 |
| 40 |
1.50% |
¥86,478 |
¥41,509,354 |
¥10,309,354 |
| 40 |
1.60% |
¥88,046 |
¥42,261,860 |
¥11,061,860 |
| 40 |
1.70% |
¥89,630 |
¥43,022,339 |
¥11,822,339 |
| 40 |
1.80% |
¥91,231 |
¥43,790,746 |
¥12,590,746 |
| 40 |
1.90% |
¥92,848 |
¥44,567,038 |
¥13,367,038 |
| 40 |
2.00% |
¥94,482 |
¥45,351,168 |
¥14,151,168 |
| 40 |
2.10% |
¥96,131 |
¥46,143,085 |
¥14,943,085 |
| 40 |
2.20% |
¥97,797 |
¥46,942,740 |
¥15,742,740 |
| 40 |
2.30% |
¥99,479 |
¥47,750,079 |
¥16,550,079 |
| 40 |
2.40% |
¥101,177 |
¥48,565,047 |
¥17,365,047 |
| 40 |
2.50% |
¥102,891 |
¥49,387,587 |
¥18,187,587 |
| 40 |
2.60% |
¥104,620 |
¥50,217,641 |
¥19,017,641 |
| 40 |
2.70% |
¥106,365 |
¥51,055,146 |
¥19,855,146 |
| 40 |
2.80% |
¥108,125 |
¥51,900,042 |
¥20,700,042 |
| 40 |
2.90% |
¥109,901 |
¥52,752,264 |
¥21,552,264 |
| 40 |
3.00% |
¥111,691 |
¥53,611,747 |
¥22,411,747 |
3120万円｜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% |
¥83,778 |
¥35,186,963 |
¥3,986,963 |
| 35 |
0.80% |
¥85,195 |
¥35,781,905 |
¥4,581,905 |
| 35 |
0.90% |
¥86,627 |
¥36,383,162 |
¥5,183,162 |
| 35 |
1.00% |
¥88,073 |
¥36,990,718 |
¥5,790,718 |
| 35 |
1.10% |
¥89,535 |
¥37,604,559 |
¥6,404,559 |
| 35 |
1.20% |
¥91,011 |
¥38,224,667 |
¥7,024,667 |
| 35 |
1.30% |
¥92,502 |
¥38,851,025 |
¥7,651,025 |
| 35 |
1.40% |
¥94,009 |
¥39,483,613 |
¥8,283,613 |
| 35 |
1.50% |
¥95,530 |
¥40,122,409 |
¥8,922,409 |
| 35 |
1.60% |
¥97,065 |
¥40,767,391 |
¥9,567,391 |
| 35 |
1.70% |
¥98,616 |
¥41,418,534 |
¥10,218,534 |
| 35 |
1.80% |
¥100,181 |
¥42,075,814 |
¥10,875,814 |
| 35 |
1.90% |
¥101,760 |
¥42,739,203 |
¥11,539,203 |
| 35 |
2.00% |
¥103,354 |
¥43,408,673 |
¥12,208,673 |
| 35 |
2.10% |
¥104,962 |
¥44,084,196 |
¥12,884,196 |
| 35 |
2.20% |
¥106,585 |
¥44,765,740 |
¥13,565,740 |
| 35 |
2.30% |
¥108,222 |
¥45,453,273 |
¥14,253,273 |
| 35 |
2.40% |
¥109,873 |
¥46,146,762 |
¥14,946,762 |
| 35 |
2.50% |
¥111,539 |
¥46,846,173 |
¥15,646,173 |
| 35 |
2.60% |
¥113,218 |
¥47,551,470 |
¥16,351,470 |
| 35 |
2.70% |
¥114,911 |
¥48,262,617 |
¥17,062,617 |
| 35 |
2.80% |
¥116,618 |
¥48,979,575 |
¥17,779,575 |
| 35 |
2.90% |
¥118,339 |
¥49,702,306 |
¥18,502,306 |
| 35 |
3.00% |
¥120,073 |
¥50,430,769 |
¥19,230,769 |
3120万円｜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% |
¥96,110 |
¥34,599,642 |
¥3,399,642 |
| 30 |
0.80% |
¥97,511 |
¥35,103,966 |
¥3,903,966 |
| 30 |
0.90% |
¥98,925 |
¥35,612,938 |
¥4,412,938 |
| 30 |
1.00% |
¥100,352 |
¥36,126,551 |
¥4,926,551 |
| 30 |
1.10% |
¥101,791 |
¥36,644,796 |
¥5,444,796 |
| 30 |
1.20% |
¥103,244 |
¥37,167,665 |
¥5,967,665 |
| 30 |
1.30% |
¥104,709 |
¥37,695,146 |
¥6,495,146 |
| 30 |
1.40% |
¥106,187 |
¥38,227,229 |
¥7,027,229 |
| 30 |
1.50% |
¥107,678 |
¥38,763,902 |
¥7,563,902 |
| 30 |
1.60% |
¥109,181 |
¥39,305,153 |
¥8,105,153 |
| 30 |
1.70% |
¥110,697 |
¥39,850,969 |
¥8,650,969 |
| 30 |
1.80% |
¥112,226 |
¥40,401,335 |
¥9,201,335 |
| 30 |
1.90% |
¥113,767 |
¥40,956,237 |
¥9,756,237 |
| 30 |
2.00% |
¥115,321 |
¥41,515,659 |
¥10,315,659 |
| 30 |
2.10% |
¥116,888 |
¥42,079,585 |
¥10,879,585 |
| 30 |
2.20% |
¥118,467 |
¥42,647,999 |
¥11,447,999 |
| 30 |
2.30% |
¥120,058 |
¥43,220,881 |
¥12,020,881 |
| 30 |
2.40% |
¥121,662 |
¥43,798,214 |
¥12,598,214 |
| 30 |
2.50% |
¥123,278 |
¥44,379,979 |
¥13,179,979 |
| 30 |
2.60% |
¥124,906 |
¥44,966,156 |
¥13,766,156 |
| 30 |
2.70% |
¥126,546 |
¥45,556,725 |
¥14,356,725 |
| 30 |
2.80% |
¥128,199 |
¥46,151,664 |
¥14,951,664 |
| 30 |
2.90% |
¥129,864 |
¥46,750,951 |
¥15,550,951 |
| 30 |
3.00% |
¥131,540 |
¥47,354,565 |
¥16,154,565 |
3120万円｜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% |
¥113,396 |
¥34,018,660 |
¥2,818,660 |
| 25 |
0.80% |
¥114,781 |
¥34,434,295 |
¥3,234,295 |
| 25 |
0.90% |
¥116,177 |
¥34,853,163 |
¥3,653,163 |
| 25 |
1.00% |
¥117,584 |
¥35,275,262 |
¥4,075,262 |
| 25 |
1.10% |
¥119,002 |
¥35,700,586 |
¥4,500,586 |
| 25 |
1.20% |
¥120,430 |
¥36,129,131 |
¥4,929,131 |
| 25 |
1.30% |
¥121,870 |
¥36,560,892 |
¥5,360,892 |
| 25 |
1.40% |
¥123,320 |
¥36,995,864 |
¥5,795,864 |
| 25 |
1.50% |
¥124,780 |
¥37,434,040 |
¥6,234,040 |
| 25 |
1.60% |
¥126,251 |
¥37,875,415 |
¥6,675,415 |
| 25 |
1.70% |
¥127,733 |
¥38,319,983 |
¥7,119,983 |
| 25 |
1.80% |
¥129,226 |
¥38,767,735 |
¥7,567,735 |
| 25 |
1.90% |
¥130,729 |
¥39,218,666 |
¥8,018,666 |
| 25 |
2.00% |
¥132,243 |
¥39,672,766 |
¥8,472,766 |
| 25 |
2.10% |
¥133,767 |
¥40,130,029 |
¥8,930,029 |
| 25 |
2.20% |
¥135,301 |
¥40,590,445 |
¥9,390,445 |
| 25 |
2.30% |
¥136,847 |
¥41,054,006 |
¥9,854,006 |
| 25 |
2.40% |
¥138,402 |
¥41,520,703 |
¥10,320,703 |
| 25 |
2.50% |
¥139,968 |
¥41,990,526 |
¥10,790,526 |
| 25 |
2.60% |
¥141,545 |
¥42,463,466 |
¥11,263,466 |
| 25 |
2.70% |
¥143,132 |
¥42,939,512 |
¥11,739,512 |
| 25 |
2.80% |
¥144,729 |
¥43,418,653 |
¥12,218,653 |
| 25 |
2.90% |
¥146,336 |
¥43,900,879 |
¥12,700,879 |
| 25 |
3.00% |
¥147,954 |
¥44,386,179 |
¥13,186,179 |
3120万円｜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% |
¥139,350 |
¥33,444,028 |
¥2,244,028 |
| 20 |
0.80% |
¥140,720 |
¥33,772,908 |
¥2,572,908 |
| 20 |
0.90% |
¥142,099 |
¥34,103,862 |
¥2,903,862 |
| 20 |
1.00% |
¥143,487 |
¥34,436,886 |
¥3,236,886 |
| 20 |
1.10% |
¥144,883 |
¥34,771,979 |
¥3,571,979 |
| 20 |
1.20% |
¥146,288 |
¥35,109,139 |
¥3,909,139 |
| 20 |
1.30% |
¥147,702 |
¥35,448,364 |
¥4,248,364 |
| 20 |
1.40% |
¥149,124 |
¥35,789,652 |
¥4,589,652 |
| 20 |
1.50% |
¥150,554 |
¥36,133,000 |
¥4,933,000 |
| 20 |
1.60% |
¥151,993 |
¥36,478,406 |
¥5,278,406 |
| 20 |
1.70% |
¥153,441 |
¥36,825,866 |
¥5,625,866 |
| 20 |
1.80% |
¥154,897 |
¥37,175,378 |
¥5,975,378 |
| 20 |
1.90% |
¥156,362 |
¥37,526,938 |
¥6,326,938 |
| 20 |
2.00% |
¥157,836 |
¥37,880,544 |
¥6,680,544 |
| 20 |
2.10% |
¥159,317 |
¥38,236,192 |
¥7,036,192 |
| 20 |
2.20% |
¥160,808 |
¥38,593,878 |
¥7,393,878 |
| 20 |
2.30% |
¥162,307 |
¥38,953,599 |
¥7,753,599 |
| 20 |
2.40% |
¥163,814 |
¥39,315,350 |
¥8,115,350 |
| 20 |
2.50% |
¥165,330 |
¥39,679,129 |
¥8,479,129 |
| 20 |
2.60% |
¥166,854 |
¥40,044,929 |
¥8,844,929 |
| 20 |
2.70% |
¥168,386 |
¥40,412,748 |
¥9,212,748 |
| 20 |
2.80% |
¥169,927 |
¥40,782,581 |
¥9,582,581 |
| 20 |
2.90% |
¥171,477 |
¥41,154,422 |
¥9,954,422 |
| 20 |
3.00% |
¥173,034 |
¥41,528,268 |
¥10,328,268 |
3120万円｜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% |
¥182,643 |
¥32,875,750 |
¥1,675,750 |
| 15 |
0.80% |
¥183,999 |
¥33,119,817 |
¥1,919,817 |
| 15 |
0.90% |
¥185,361 |
¥33,365,051 |
¥2,165,051 |
| 15 |
1.00% |
¥186,730 |
¥33,611,452 |
¥2,411,452 |
| 15 |
1.10% |
¥188,106 |
¥33,859,018 |
¥2,659,018 |
| 15 |
1.20% |
¥189,487 |
¥34,107,750 |
¥2,907,750 |
| 15 |
1.30% |
¥190,876 |
¥34,357,646 |
¥3,157,646 |
| 15 |
1.40% |
¥192,271 |
¥34,608,706 |
¥3,408,706 |
| 15 |
1.50% |
¥193,672 |
¥34,860,928 |
¥3,660,928 |
| 15 |
1.60% |
¥195,080 |
¥35,114,312 |
¥3,914,312 |
| 15 |
1.70% |
¥196,494 |
¥35,368,858 |
¥4,168,858 |
| 15 |
1.80% |
¥197,914 |
¥35,624,563 |
¥4,424,563 |
| 15 |
1.90% |
¥199,341 |
¥35,881,427 |
¥4,681,427 |
| 15 |
2.00% |
¥200,775 |
¥36,139,449 |
¥4,939,449 |
| 15 |
2.10% |
¥202,215 |
¥36,398,627 |
¥5,198,627 |
| 15 |
2.20% |
¥203,661 |
¥36,658,961 |
¥5,458,961 |
| 15 |
2.30% |
¥205,114 |
¥36,920,449 |
¥5,720,449 |
| 15 |
2.40% |
¥206,573 |
¥37,183,090 |
¥5,983,090 |
| 15 |
2.50% |
¥208,038 |
¥37,446,882 |
¥6,246,882 |
| 15 |
2.60% |
¥209,510 |
¥37,711,824 |
¥6,511,824 |
| 15 |
2.70% |
¥210,988 |
¥37,977,915 |
¥6,777,915 |
| 15 |
2.80% |
¥212,473 |
¥38,245,154 |
¥7,045,154 |
| 15 |
2.90% |
¥213,964 |
¥38,513,537 |
¥7,313,537 |
| 15 |
3.00% |
¥215,461 |
¥38,783,065 |
¥7,583,065 |
3120万円｜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% |
¥269,282 |
¥32,313,834 |
¥1,113,834 |
| 10 |
0.80% |
¥270,625 |
¥32,475,032 |
¥1,275,032 |
| 10 |
0.90% |
¥271,973 |
¥32,636,748 |
¥1,436,748 |
| 10 |
1.00% |
¥273,325 |
¥32,798,983 |
¥1,598,983 |
| 10 |
1.10% |
¥274,681 |
¥32,961,737 |
¥1,761,737 |
| 10 |
1.20% |
¥276,042 |
¥33,125,010 |
¥1,925,010 |
| 10 |
1.30% |
¥277,407 |
¥33,288,801 |
¥2,088,801 |
| 10 |
1.40% |
¥278,776 |
¥33,453,110 |
¥2,253,110 |
| 10 |
1.50% |
¥280,149 |
¥33,617,938 |
¥2,417,938 |
| 10 |
1.60% |
¥281,527 |
¥33,783,283 |
¥2,583,283 |
| 10 |
1.70% |
¥282,910 |
¥33,949,146 |
¥2,749,146 |
| 10 |
1.80% |
¥284,296 |
¥34,115,526 |
¥2,915,526 |
| 10 |
1.90% |
¥285,687 |
¥34,282,423 |
¥3,082,423 |
| 10 |
2.00% |
¥287,082 |
¥34,449,837 |
¥3,249,837 |
| 10 |
2.10% |
¥288,481 |
¥34,617,768 |
¥3,417,768 |
| 10 |
2.20% |
¥289,885 |
¥34,786,215 |
¥3,586,215 |
| 10 |
2.30% |
¥291,293 |
¥34,955,178 |
¥3,755,178 |
| 10 |
2.40% |
¥292,705 |
¥35,124,657 |
¥3,924,657 |
| 10 |
2.50% |
¥294,122 |
¥35,294,651 |
¥4,094,651 |
| 10 |
2.60% |
¥295,543 |
¥35,465,161 |
¥4,265,161 |
| 10 |
2.70% |
¥296,968 |
¥35,636,185 |
¥4,436,185 |
| 10 |
2.80% |
¥298,398 |
¥35,807,723 |
¥4,607,723 |
| 10 |
2.90% |
¥299,831 |
¥35,979,776 |
¥4,779,776 |
| 10 |
3.00% |
¥301,270 |
¥36,152,343 |
¥4,952,343 |
