3190万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。3190万円の住宅ローンが、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。
3190万円の住宅ローン｜期間・年数別
3190万円｜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% |
¥63,028 |
¥37,816,692 |
¥5,916,692 |
| 50 |
0.80% |
¥64,524 |
¥38,714,695 |
¥6,814,695 |
| 50 |
0.90% |
¥66,043 |
¥39,625,766 |
¥7,725,766 |
| 50 |
1.00% |
¥67,583 |
¥40,549,847 |
¥8,649,847 |
| 50 |
1.10% |
¥69,145 |
¥41,486,876 |
¥9,586,876 |
| 50 |
1.20% |
¥70,728 |
¥42,436,784 |
¥10,536,784 |
| 50 |
1.30% |
¥72,332 |
¥43,399,496 |
¥11,499,496 |
| 50 |
1.40% |
¥73,958 |
¥44,374,932 |
¥12,474,932 |
| 50 |
1.50% |
¥75,605 |
¥45,363,004 |
¥13,463,004 |
| 50 |
1.60% |
¥77,273 |
¥46,363,622 |
¥14,463,622 |
| 50 |
1.70% |
¥78,961 |
¥47,376,688 |
¥15,476,688 |
| 50 |
1.80% |
¥80,670 |
¥48,402,100 |
¥16,502,100 |
| 50 |
1.90% |
¥82,400 |
¥49,439,750 |
¥17,539,750 |
| 50 |
2.00% |
¥84,149 |
¥50,489,526 |
¥18,589,526 |
| 50 |
2.10% |
¥85,919 |
¥51,551,313 |
¥19,651,313 |
| 50 |
2.20% |
¥87,708 |
¥52,624,987 |
¥20,724,987 |
| 50 |
2.30% |
¥89,517 |
¥53,710,424 |
¥21,810,424 |
| 50 |
2.40% |
¥91,346 |
¥54,807,495 |
¥22,907,495 |
| 50 |
2.50% |
¥93,193 |
¥55,916,065 |
¥24,016,065 |
| 50 |
2.60% |
¥95,060 |
¥57,035,998 |
¥25,135,998 |
| 50 |
2.70% |
¥96,945 |
¥58,167,152 |
¥26,267,152 |
| 50 |
2.80% |
¥98,849 |
¥59,309,385 |
¥27,409,385 |
| 50 |
2.90% |
¥100,771 |
¥60,462,548 |
¥28,562,548 |
| 50 |
3.00% |
¥102,711 |
¥61,626,493 |
¥29,726,493 |
3190万円｜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% |
¥68,883 |
¥37,196,815 |
¥5,296,815 |
| 45 |
0.80% |
¥70,364 |
¥37,996,296 |
¥6,096,296 |
| 45 |
0.90% |
¥71,864 |
¥38,806,395 |
¥6,906,395 |
| 45 |
1.00% |
¥73,383 |
¥39,627,072 |
¥7,727,072 |
| 45 |
1.10% |
¥74,923 |
¥40,458,287 |
¥8,558,287 |
| 45 |
1.20% |
¥76,481 |
¥41,299,994 |
¥9,399,994 |
| 45 |
1.30% |
¥78,060 |
¥42,152,143 |
¥10,252,143 |
| 45 |
1.40% |
¥79,657 |
¥43,014,680 |
¥11,114,680 |
| 45 |
1.50% |
¥81,273 |
¥43,887,548 |
¥11,987,548 |
| 45 |
1.60% |
¥82,909 |
¥44,770,686 |
¥12,870,686 |
| 45 |
1.70% |
¥84,563 |
¥45,664,028 |
¥13,764,028 |
| 45 |
1.80% |
¥86,236 |
¥46,567,508 |
¥14,667,508 |
| 45 |
1.90% |
¥87,928 |
¥47,481,051 |
¥15,581,051 |
| 45 |
2.00% |
¥89,638 |
¥48,404,584 |
¥16,504,584 |
| 45 |
2.10% |
¥91,367 |
¥49,338,029 |
¥17,438,029 |
| 45 |
2.20% |
¥93,114 |
¥50,281,302 |
¥18,381,302 |
| 45 |
2.30% |
¥94,878 |
¥51,234,320 |
¥19,334,320 |
| 45 |
2.40% |
¥96,661 |
¥52,196,995 |
¥20,296,995 |
| 45 |
2.50% |
¥98,462 |
¥53,169,236 |
¥21,269,236 |
| 45 |
2.60% |
¥100,280 |
¥54,150,950 |
¥22,250,950 |
| 45 |
2.70% |
¥102,115 |
¥55,142,041 |
¥23,242,041 |
| 45 |
2.80% |
¥103,967 |
¥56,142,412 |
¥24,242,412 |
| 45 |
2.90% |
¥105,837 |
¥57,151,960 |
¥25,251,960 |
| 45 |
3.00% |
¥107,723 |
¥58,170,584 |
¥26,270,584 |
3190万円｜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% |
¥76,215 |
¥36,583,384 |
¥4,683,384 |
| 40 |
0.80% |
¥77,680 |
¥37,286,292 |
¥5,386,292 |
| 40 |
0.90% |
¥79,162 |
¥37,997,611 |
¥6,097,611 |
| 40 |
1.00% |
¥80,661 |
¥38,717,318 |
¥6,817,318 |
| 40 |
1.10% |
¥82,178 |
¥39,445,385 |
¥7,545,385 |
| 40 |
1.20% |
¥83,712 |
¥40,181,786 |
¥8,281,786 |
| 40 |
1.30% |
¥85,264 |
¥40,926,487 |
¥9,026,487 |
| 40 |
1.40% |
¥86,832 |
¥41,679,455 |
¥9,779,455 |
| 40 |
1.50% |
¥88,418 |
¥42,440,653 |
¥10,540,653 |
| 40 |
1.60% |
¥90,021 |
¥43,210,043 |
¥11,310,043 |
| 40 |
1.70% |
¥91,641 |
¥43,987,584 |
¥12,087,584 |
| 40 |
1.80% |
¥93,278 |
¥44,773,231 |
¥12,873,231 |
| 40 |
1.90% |
¥94,931 |
¥45,566,940 |
¥13,666,940 |
| 40 |
2.00% |
¥96,601 |
¥46,368,662 |
¥14,468,662 |
| 40 |
2.10% |
¥98,288 |
¥47,178,347 |
¥15,278,347 |
| 40 |
2.20% |
¥99,992 |
¥47,995,943 |
¥16,095,943 |
| 40 |
2.30% |
¥101,711 |
¥48,821,395 |
¥16,921,395 |
| 40 |
2.40% |
¥103,447 |
¥49,654,648 |
¥17,754,648 |
| 40 |
2.50% |
¥105,199 |
¥50,495,642 |
¥18,595,642 |
| 40 |
2.60% |
¥106,967 |
¥51,344,318 |
¥19,444,318 |
| 40 |
2.70% |
¥108,751 |
¥52,200,614 |
¥20,300,614 |
| 40 |
2.80% |
¥110,551 |
¥53,064,466 |
¥21,164,466 |
| 40 |
2.90% |
¥112,366 |
¥53,935,809 |
¥22,035,809 |
| 40 |
3.00% |
¥114,197 |
¥54,814,575 |
¥22,914,575 |
3190万円｜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% |
¥85,658 |
¥35,976,414 |
¥4,076,414 |
| 35 |
0.80% |
¥87,106 |
¥36,584,704 |
¥4,684,704 |
| 35 |
0.90% |
¥88,570 |
¥37,199,451 |
¥5,299,451 |
| 35 |
1.00% |
¥90,049 |
¥37,820,638 |
¥5,920,638 |
| 35 |
1.10% |
¥91,543 |
¥38,448,251 |
¥6,548,251 |
| 35 |
1.20% |
¥93,053 |
¥39,082,272 |
¥7,182,272 |
| 35 |
1.30% |
¥94,578 |
¥39,722,683 |
¥7,822,683 |
| 35 |
1.40% |
¥96,118 |
¥40,369,463 |
¥8,469,463 |
| 35 |
1.50% |
¥97,673 |
¥41,022,591 |
¥9,122,591 |
| 35 |
1.60% |
¥99,243 |
¥41,682,044 |
¥9,782,044 |
| 35 |
1.70% |
¥100,828 |
¥42,347,796 |
¥10,447,796 |
| 35 |
1.80% |
¥102,428 |
¥43,019,822 |
¥11,119,822 |
| 35 |
1.90% |
¥104,043 |
¥43,698,095 |
¥11,798,095 |
| 35 |
2.00% |
¥105,673 |
¥44,382,586 |
¥12,482,586 |
| 35 |
2.10% |
¥107,317 |
¥45,073,264 |
¥13,173,264 |
| 35 |
2.20% |
¥108,976 |
¥45,770,099 |
¥13,870,099 |
| 35 |
2.30% |
¥110,650 |
¥46,473,058 |
¥14,573,058 |
| 35 |
2.40% |
¥112,338 |
¥47,182,106 |
¥15,282,106 |
| 35 |
2.50% |
¥114,041 |
¥47,897,209 |
¥15,997,209 |
| 35 |
2.60% |
¥115,758 |
¥48,618,330 |
¥16,718,330 |
| 35 |
2.70% |
¥117,489 |
¥49,345,432 |
¥17,445,432 |
| 35 |
2.80% |
¥119,234 |
¥50,078,476 |
¥18,178,476 |
| 35 |
2.90% |
¥120,994 |
¥50,817,421 |
¥18,917,421 |
| 35 |
3.00% |
¥122,767 |
¥51,562,228 |
¥19,662,228 |
3190万円｜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% |
¥98,266 |
¥35,375,916 |
¥3,475,916 |
| 30 |
0.80% |
¥99,699 |
¥35,891,554 |
¥3,991,554 |
| 30 |
0.90% |
¥101,144 |
¥36,411,946 |
¥4,511,946 |
| 30 |
1.00% |
¥102,603 |
¥36,937,083 |
¥5,037,083 |
| 30 |
1.10% |
¥104,075 |
¥37,466,955 |
¥5,566,955 |
| 30 |
1.20% |
¥105,560 |
¥38,001,554 |
¥6,101,554 |
| 30 |
1.30% |
¥107,058 |
¥38,540,870 |
¥6,640,870 |
| 30 |
1.40% |
¥108,569 |
¥39,084,891 |
¥7,184,891 |
| 30 |
1.50% |
¥110,093 |
¥39,633,605 |
¥7,733,605 |
| 30 |
1.60% |
¥111,631 |
¥40,187,000 |
¥8,287,000 |
| 30 |
1.70% |
¥113,181 |
¥40,745,061 |
¥8,845,061 |
| 30 |
1.80% |
¥114,744 |
¥41,307,775 |
¥9,407,775 |
| 30 |
1.90% |
¥116,320 |
¥41,875,127 |
¥9,975,127 |
| 30 |
2.00% |
¥117,909 |
¥42,447,100 |
¥10,547,100 |
| 30 |
2.10% |
¥119,510 |
¥43,023,679 |
¥11,123,679 |
| 30 |
2.20% |
¥121,125 |
¥43,604,845 |
¥11,704,845 |
| 30 |
2.30% |
¥122,752 |
¥44,190,580 |
¥12,290,580 |
| 30 |
2.40% |
¥124,391 |
¥44,780,867 |
¥12,880,867 |
| 30 |
2.50% |
¥126,044 |
¥45,375,684 |
¥13,475,684 |
| 30 |
2.60% |
¥127,708 |
¥45,975,012 |
¥14,075,012 |
| 30 |
2.70% |
¥129,386 |
¥46,578,831 |
¥14,678,831 |
| 30 |
2.80% |
¥131,075 |
¥47,187,118 |
¥15,287,118 |
| 30 |
2.90% |
¥132,777 |
¥47,799,851 |
¥15,899,851 |
| 30 |
3.00% |
¥134,492 |
¥48,417,007 |
¥16,517,007 |
3190万円｜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% |
¥115,940 |
¥34,781,899 |
¥2,881,899 |
| 25 |
0.80% |
¥117,356 |
¥35,206,859 |
¥3,306,859 |
| 25 |
0.90% |
¥118,784 |
¥35,635,125 |
¥3,735,125 |
| 25 |
1.00% |
¥120,222 |
¥36,066,694 |
¥4,166,694 |
| 25 |
1.10% |
¥121,672 |
¥36,501,560 |
¥4,601,560 |
| 25 |
1.20% |
¥123,132 |
¥36,939,720 |
¥5,039,720 |
| 25 |
1.30% |
¥124,604 |
¥37,381,168 |
¥5,481,168 |
| 25 |
1.40% |
¥126,086 |
¥37,825,899 |
¥5,925,899 |
| 25 |
1.50% |
¥127,580 |
¥38,273,906 |
¥6,373,906 |
| 25 |
1.60% |
¥129,084 |
¥38,725,184 |
¥6,825,184 |
| 25 |
1.70% |
¥130,599 |
¥39,179,726 |
¥7,279,726 |
| 25 |
1.80% |
¥132,125 |
¥39,637,524 |
¥7,737,524 |
| 25 |
1.90% |
¥133,662 |
¥40,098,572 |
¥8,198,572 |
| 25 |
2.00% |
¥135,210 |
¥40,562,860 |
¥8,662,860 |
| 25 |
2.10% |
¥136,768 |
¥41,030,382 |
¥9,130,382 |
| 25 |
2.20% |
¥138,337 |
¥41,501,128 |
¥9,601,128 |
| 25 |
2.30% |
¥139,917 |
¥41,975,090 |
¥10,075,090 |
| 25 |
2.40% |
¥141,508 |
¥42,452,257 |
¥10,552,257 |
| 25 |
2.50% |
¥143,109 |
¥42,932,621 |
¥11,032,621 |
| 25 |
2.60% |
¥144,721 |
¥43,416,172 |
¥11,516,172 |
| 25 |
2.70% |
¥146,343 |
¥43,902,898 |
¥12,002,898 |
| 25 |
2.80% |
¥147,976 |
¥44,392,789 |
¥12,492,789 |
| 25 |
2.90% |
¥149,619 |
¥44,885,835 |
¥12,985,835 |
| 25 |
3.00% |
¥151,273 |
¥45,382,023 |
¥13,482,023 |
3190万円｜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% |
¥142,477 |
¥34,194,374 |
¥2,294,374 |
| 20 |
0.80% |
¥143,878 |
¥34,530,634 |
¥2,630,634 |
| 20 |
0.90% |
¥145,288 |
¥34,869,012 |
¥2,969,012 |
| 20 |
1.00% |
¥146,706 |
¥35,209,508 |
¥3,309,508 |
| 20 |
1.10% |
¥148,134 |
¥35,552,119 |
¥3,652,119 |
| 20 |
1.20% |
¥149,570 |
¥35,896,844 |
¥3,996,844 |
| 20 |
1.30% |
¥151,015 |
¥36,243,680 |
¥4,343,680 |
| 20 |
1.40% |
¥152,469 |
¥36,592,625 |
¥4,692,625 |
| 20 |
1.50% |
¥153,932 |
¥36,943,677 |
¥5,043,677 |
| 20 |
1.60% |
¥155,403 |
¥37,296,831 |
¥5,396,831 |
| 20 |
1.70% |
¥156,884 |
¥37,652,087 |
¥5,752,087 |
| 20 |
1.80% |
¥158,373 |
¥38,009,441 |
¥6,109,441 |
| 20 |
1.90% |
¥159,870 |
¥38,368,889 |
¥6,468,889 |
| 20 |
2.00% |
¥161,377 |
¥38,730,428 |
¥6,830,428 |
| 20 |
2.10% |
¥162,892 |
¥39,094,055 |
¥7,194,055 |
| 20 |
2.20% |
¥164,416 |
¥39,459,766 |
¥7,559,766 |
| 20 |
2.30% |
¥165,948 |
¥39,827,558 |
¥7,927,558 |
| 20 |
2.40% |
¥167,489 |
¥40,197,426 |
¥8,297,426 |
| 20 |
2.50% |
¥169,039 |
¥40,569,365 |
¥8,669,365 |
| 20 |
2.60% |
¥170,597 |
¥40,943,373 |
¥9,043,373 |
| 20 |
2.70% |
¥172,164 |
¥41,319,444 |
¥9,419,444 |
| 20 |
2.80% |
¥173,740 |
¥41,697,575 |
¥9,797,575 |
| 20 |
2.90% |
¥175,324 |
¥42,077,759 |
¥10,177,759 |
| 20 |
3.00% |
¥176,917 |
¥42,459,992 |
¥10,559,992 |
3190万円｜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% |
¥186,741 |
¥33,613,347 |
¥1,713,347 |
| 15 |
0.80% |
¥188,127 |
¥33,862,890 |
¥1,962,890 |
| 15 |
0.90% |
¥189,520 |
¥34,113,626 |
¥2,213,626 |
| 15 |
1.00% |
¥190,920 |
¥34,365,555 |
¥2,465,555 |
| 15 |
1.10% |
¥192,326 |
¥34,618,676 |
¥2,718,676 |
| 15 |
1.20% |
¥193,739 |
¥34,872,988 |
¥2,972,988 |
| 15 |
1.30% |
¥195,158 |
¥35,128,491 |
¥3,228,491 |
| 15 |
1.40% |
¥196,584 |
¥35,385,183 |
¥3,485,183 |
| 15 |
1.50% |
¥198,017 |
¥35,643,064 |
¥3,743,064 |
| 15 |
1.60% |
¥199,456 |
¥35,902,133 |
¥4,002,133 |
| 15 |
1.70% |
¥200,902 |
¥36,162,390 |
¥4,262,390 |
| 15 |
1.80% |
¥202,355 |
¥36,423,832 |
¥4,523,832 |
| 15 |
1.90% |
¥203,814 |
¥36,686,459 |
¥4,786,459 |
| 15 |
2.00% |
¥205,279 |
¥36,950,270 |
¥5,050,270 |
| 15 |
2.10% |
¥206,751 |
¥37,215,263 |
¥5,315,263 |
| 15 |
2.20% |
¥208,230 |
¥37,481,438 |
¥5,581,438 |
| 15 |
2.30% |
¥209,716 |
¥37,748,792 |
¥5,848,792 |
| 15 |
2.40% |
¥211,207 |
¥38,017,326 |
¥6,117,326 |
| 15 |
2.50% |
¥212,706 |
¥38,287,036 |
¥6,387,036 |
| 15 |
2.60% |
¥214,211 |
¥38,557,923 |
¥6,657,923 |
| 15 |
2.70% |
¥215,722 |
¥38,829,984 |
¥6,929,984 |
| 15 |
2.80% |
¥217,240 |
¥39,103,218 |
¥7,203,218 |
| 15 |
2.90% |
¥218,765 |
¥39,377,623 |
¥7,477,623 |
| 15 |
3.00% |
¥220,296 |
¥39,653,198 |
¥7,753,198 |
3190万円｜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% |
¥275,324 |
¥33,038,824 |
¥1,138,824 |
| 10 |
0.80% |
¥276,697 |
¥33,203,638 |
¥1,303,638 |
| 10 |
0.90% |
¥278,075 |
¥33,368,983 |
¥1,468,983 |
| 10 |
1.00% |
¥279,457 |
¥33,534,858 |
¥1,634,858 |
| 10 |
1.10% |
¥280,844 |
¥33,701,263 |
¥1,801,263 |
| 10 |
1.20% |
¥282,235 |
¥33,868,199 |
¥1,968,199 |
| 10 |
1.30% |
¥283,631 |
¥34,035,665 |
¥2,135,665 |
| 10 |
1.40% |
¥285,031 |
¥34,203,661 |
¥2,303,661 |
| 10 |
1.50% |
¥286,435 |
¥34,372,186 |
¥2,472,186 |
| 10 |
1.60% |
¥287,844 |
¥34,541,241 |
¥2,641,241 |
| 10 |
1.70% |
¥289,257 |
¥34,710,825 |
¥2,810,825 |
| 10 |
1.80% |
¥290,674 |
¥34,880,938 |
¥2,980,938 |
| 10 |
1.90% |
¥292,096 |
¥35,051,580 |
¥3,151,580 |
| 10 |
2.00% |
¥293,523 |
¥35,222,750 |
¥3,322,750 |
| 10 |
2.10% |
¥294,954 |
¥35,394,449 |
¥3,494,449 |
| 10 |
2.20% |
¥296,389 |
¥35,566,675 |
¥3,666,675 |
| 10 |
2.30% |
¥297,829 |
¥35,739,429 |
¥3,839,429 |
| 10 |
2.40% |
¥299,273 |
¥35,912,710 |
¥4,012,710 |
| 10 |
2.50% |
¥300,721 |
¥36,086,518 |
¥4,186,518 |
| 10 |
2.60% |
¥302,174 |
¥36,260,853 |
¥4,360,853 |
| 10 |
2.70% |
¥303,631 |
¥36,435,715 |
¥4,535,715 |
| 10 |
2.80% |
¥305,093 |
¥36,611,102 |
¥4,711,102 |
| 10 |
2.90% |
¥306,558 |
¥36,787,015 |
¥4,887,015 |
| 10 |
3.00% |
¥308,029 |
¥36,963,453 |
¥5,063,453 |
