3220万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。3220万円の住宅ローンが、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。
3220万円の住宅ローン｜期間・年数別
3220万円｜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% |
¥63,621 |
¥38,172,335 |
¥5,972,335 |
| 50 |
0.80% |
¥65,131 |
¥39,078,783 |
¥6,878,783 |
| 50 |
0.90% |
¥66,664 |
¥39,998,422 |
¥7,798,422 |
| 50 |
1.00% |
¥68,219 |
¥40,931,194 |
¥8,731,194 |
| 50 |
1.10% |
¥69,795 |
¥41,877,035 |
¥9,677,035 |
| 50 |
1.20% |
¥71,393 |
¥42,835,876 |
¥10,635,876 |
| 50 |
1.30% |
¥73,013 |
¥43,807,642 |
¥11,607,642 |
| 50 |
1.40% |
¥74,654 |
¥44,792,251 |
¥12,592,251 |
| 50 |
1.50% |
¥76,316 |
¥45,789,616 |
¥13,589,616 |
| 50 |
1.60% |
¥77,999 |
¥46,799,644 |
¥14,599,644 |
| 50 |
1.70% |
¥79,704 |
¥47,822,237 |
¥15,622,237 |
| 50 |
1.80% |
¥81,429 |
¥48,857,292 |
¥16,657,292 |
| 50 |
1.90% |
¥83,175 |
¥49,904,700 |
¥17,704,700 |
| 50 |
2.00% |
¥84,941 |
¥50,964,350 |
¥18,764,350 |
| 50 |
2.10% |
¥86,727 |
¥52,036,121 |
¥19,836,121 |
| 50 |
2.20% |
¥88,533 |
¥53,119,893 |
¥20,919,893 |
| 50 |
2.30% |
¥90,359 |
¥54,215,538 |
¥22,015,538 |
| 50 |
2.40% |
¥92,205 |
¥55,322,926 |
¥23,122,926 |
| 50 |
2.50% |
¥94,070 |
¥56,441,922 |
¥24,241,922 |
| 50 |
2.60% |
¥95,954 |
¥57,572,387 |
¥25,372,387 |
| 50 |
2.70% |
¥97,857 |
¥58,714,179 |
¥26,514,179 |
| 50 |
2.80% |
¥99,779 |
¥59,867,153 |
¥27,667,153 |
| 50 |
2.90% |
¥101,719 |
¥61,031,162 |
¥28,831,162 |
| 50 |
3.00% |
¥103,677 |
¥62,206,053 |
¥30,006,053 |
3220万円｜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% |
¥69,531 |
¥37,546,628 |
¥5,346,628 |
| 45 |
0.80% |
¥71,025 |
¥38,353,628 |
¥6,153,628 |
| 45 |
0.90% |
¥72,540 |
¥39,171,345 |
¥6,971,345 |
| 45 |
1.00% |
¥74,074 |
¥39,999,741 |
¥7,799,741 |
| 45 |
1.10% |
¥75,627 |
¥40,838,773 |
¥8,638,773 |
| 45 |
1.20% |
¥77,201 |
¥41,688,395 |
¥9,488,395 |
| 45 |
1.30% |
¥78,794 |
¥42,548,558 |
¥10,348,558 |
| 45 |
1.40% |
¥80,406 |
¥43,419,207 |
¥11,219,207 |
| 45 |
1.50% |
¥82,038 |
¥44,300,284 |
¥12,100,284 |
| 45 |
1.60% |
¥83,688 |
¥45,191,727 |
¥12,991,727 |
| 45 |
1.70% |
¥85,358 |
¥46,093,471 |
¥13,893,471 |
| 45 |
1.80% |
¥87,047 |
¥47,005,446 |
¥14,805,446 |
| 45 |
1.90% |
¥88,755 |
¥47,927,582 |
¥15,727,582 |
| 45 |
2.00% |
¥90,481 |
¥48,859,800 |
¥16,659,800 |
| 45 |
2.10% |
¥92,226 |
¥49,802,023 |
¥17,602,023 |
| 45 |
2.20% |
¥93,989 |
¥50,754,167 |
¥18,554,167 |
| 45 |
2.30% |
¥95,771 |
¥51,716,147 |
¥19,516,147 |
| 45 |
2.40% |
¥97,570 |
¥52,687,875 |
¥20,487,875 |
| 45 |
2.50% |
¥99,388 |
¥53,669,260 |
¥21,469,260 |
| 45 |
2.60% |
¥101,223 |
¥54,660,206 |
¥22,460,206 |
| 45 |
2.70% |
¥103,075 |
¥55,660,619 |
¥23,460,619 |
| 45 |
2.80% |
¥104,945 |
¥56,670,397 |
¥24,470,397 |
| 45 |
2.90% |
¥106,832 |
¥57,689,440 |
¥25,489,440 |
| 45 |
3.00% |
¥108,736 |
¥58,717,643 |
¥26,517,643 |
3220万円｜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% |
¥76,932 |
¥36,927,429 |
¥4,727,429 |
| 40 |
0.80% |
¥78,410 |
¥37,636,947 |
¥5,436,947 |
| 40 |
0.90% |
¥79,906 |
¥38,354,955 |
¥6,154,955 |
| 40 |
1.00% |
¥81,420 |
¥39,081,430 |
¥6,881,430 |
| 40 |
1.10% |
¥82,951 |
¥39,816,345 |
¥7,616,345 |
| 40 |
1.20% |
¥84,499 |
¥40,559,671 |
¥8,359,671 |
| 40 |
1.30% |
¥86,065 |
¥41,311,375 |
¥9,111,375 |
| 40 |
1.40% |
¥87,649 |
¥42,071,424 |
¥9,871,424 |
| 40 |
1.50% |
¥89,250 |
¥42,839,781 |
¥10,639,781 |
| 40 |
1.60% |
¥90,868 |
¥43,616,407 |
¥11,416,407 |
| 40 |
1.70% |
¥92,503 |
¥44,401,260 |
¥12,201,260 |
| 40 |
1.80% |
¥94,155 |
¥45,194,296 |
¥12,994,296 |
| 40 |
1.90% |
¥95,824 |
¥45,995,469 |
¥13,795,469 |
| 40 |
2.00% |
¥97,510 |
¥46,804,731 |
¥14,604,731 |
| 40 |
2.10% |
¥99,213 |
¥47,622,030 |
¥15,422,030 |
| 40 |
2.20% |
¥100,932 |
¥48,447,315 |
¥16,247,315 |
| 40 |
2.30% |
¥102,668 |
¥49,280,531 |
¥17,080,531 |
| 40 |
2.40% |
¥104,420 |
¥50,121,619 |
¥17,921,619 |
| 40 |
2.50% |
¥106,189 |
¥50,970,523 |
¥18,770,523 |
| 40 |
2.60% |
¥107,973 |
¥51,827,180 |
¥19,627,180 |
| 40 |
2.70% |
¥109,774 |
¥52,691,529 |
¥20,491,529 |
| 40 |
2.80% |
¥111,591 |
¥53,563,505 |
¥21,363,505 |
| 40 |
2.90% |
¥113,423 |
¥54,443,042 |
¥22,243,042 |
| 40 |
3.00% |
¥115,271 |
¥55,330,072 |
¥23,130,072 |
3220万円｜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% |
¥86,464 |
¥36,314,750 |
¥4,114,750 |
| 35 |
0.80% |
¥87,926 |
¥36,928,761 |
¥4,728,761 |
| 35 |
0.90% |
¥89,403 |
¥37,549,289 |
¥5,349,289 |
| 35 |
1.00% |
¥90,896 |
¥38,176,318 |
¥5,976,318 |
| 35 |
1.10% |
¥92,404 |
¥38,809,833 |
¥6,609,833 |
| 35 |
1.20% |
¥93,928 |
¥39,449,817 |
¥7,249,817 |
| 35 |
1.30% |
¥95,467 |
¥40,096,251 |
¥7,896,251 |
| 35 |
1.40% |
¥97,022 |
¥40,749,113 |
¥8,549,113 |
| 35 |
1.50% |
¥98,591 |
¥41,408,384 |
¥9,208,384 |
| 35 |
1.60% |
¥100,176 |
¥42,074,038 |
¥9,874,038 |
| 35 |
1.70% |
¥101,776 |
¥42,746,051 |
¥10,546,051 |
| 35 |
1.80% |
¥103,391 |
¥43,424,397 |
¥11,224,397 |
| 35 |
1.90% |
¥105,022 |
¥44,109,049 |
¥11,909,049 |
| 35 |
2.00% |
¥106,667 |
¥44,799,977 |
¥12,599,977 |
| 35 |
2.10% |
¥108,327 |
¥45,497,151 |
¥13,297,151 |
| 35 |
2.20% |
¥110,001 |
¥46,200,539 |
¥14,000,539 |
| 35 |
2.30% |
¥111,691 |
¥46,910,108 |
¥14,710,108 |
| 35 |
2.40% |
¥113,395 |
¥47,625,825 |
¥15,425,825 |
| 35 |
2.50% |
¥115,113 |
¥48,347,653 |
¥16,147,653 |
| 35 |
2.60% |
¥116,847 |
¥49,075,556 |
¥16,875,556 |
| 35 |
2.70% |
¥118,594 |
¥49,809,495 |
¥17,609,495 |
| 35 |
2.80% |
¥120,356 |
¥50,549,433 |
¥18,349,433 |
| 35 |
2.90% |
¥122,132 |
¥51,295,328 |
¥19,095,328 |
| 35 |
3.00% |
¥123,922 |
¥52,047,140 |
¥19,847,140 |
3220万円｜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% |
¥99,191 |
¥35,708,604 |
¥3,508,604 |
| 30 |
0.80% |
¥100,636 |
¥36,229,093 |
¥4,029,093 |
| 30 |
0.90% |
¥102,095 |
¥36,754,378 |
¥4,554,378 |
| 30 |
1.00% |
¥103,568 |
¥37,284,453 |
¥5,084,453 |
| 30 |
1.10% |
¥105,054 |
¥37,819,309 |
¥5,619,309 |
| 30 |
1.20% |
¥106,553 |
¥38,358,936 |
¥6,158,936 |
| 30 |
1.30% |
¥108,065 |
¥38,903,323 |
¥6,703,323 |
| 30 |
1.40% |
¥109,590 |
¥39,452,460 |
¥7,252,460 |
| 30 |
1.50% |
¥111,129 |
¥40,006,335 |
¥7,806,335 |
| 30 |
1.60% |
¥112,680 |
¥40,564,934 |
¥8,364,934 |
| 30 |
1.70% |
¥114,245 |
¥41,128,243 |
¥8,928,243 |
| 30 |
1.80% |
¥115,823 |
¥41,696,250 |
¥9,496,250 |
| 30 |
1.90% |
¥117,414 |
¥42,268,937 |
¥10,068,937 |
| 30 |
2.00% |
¥119,017 |
¥42,846,289 |
¥10,646,289 |
| 30 |
2.10% |
¥120,634 |
¥43,428,290 |
¥11,228,290 |
| 30 |
2.20% |
¥122,264 |
¥44,014,922 |
¥11,814,922 |
| 30 |
2.30% |
¥123,906 |
¥44,606,166 |
¥12,406,166 |
| 30 |
2.40% |
¥125,561 |
¥45,202,003 |
¥13,002,003 |
| 30 |
2.50% |
¥127,229 |
¥45,802,415 |
¥13,602,415 |
| 30 |
2.60% |
¥128,909 |
¥46,407,379 |
¥14,207,379 |
| 30 |
2.70% |
¥130,602 |
¥47,016,876 |
¥14,816,876 |
| 30 |
2.80% |
¥132,308 |
¥47,630,884 |
¥15,430,884 |
| 30 |
2.90% |
¥134,026 |
¥48,249,379 |
¥16,049,379 |
| 30 |
3.00% |
¥135,756 |
¥48,872,340 |
¥16,672,340 |
3220万円｜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% |
¥117,030 |
¥35,109,002 |
¥2,909,002 |
| 25 |
0.80% |
¥118,460 |
¥35,537,958 |
¥3,337,958 |
| 25 |
0.90% |
¥119,901 |
¥35,970,252 |
¥3,770,252 |
| 25 |
1.00% |
¥121,353 |
¥36,405,879 |
¥4,205,879 |
| 25 |
1.10% |
¥122,816 |
¥36,844,835 |
¥4,644,835 |
| 25 |
1.20% |
¥124,290 |
¥37,287,116 |
¥5,087,116 |
| 25 |
1.30% |
¥125,776 |
¥37,732,715 |
¥5,532,715 |
| 25 |
1.40% |
¥127,272 |
¥38,181,628 |
¥5,981,628 |
| 25 |
1.50% |
¥128,779 |
¥38,633,849 |
¥6,433,849 |
| 25 |
1.60% |
¥130,298 |
¥39,089,371 |
¥6,889,371 |
| 25 |
1.70% |
¥131,827 |
¥39,548,187 |
¥7,348,187 |
| 25 |
1.80% |
¥133,368 |
¥40,010,291 |
¥7,810,291 |
| 25 |
1.90% |
¥134,919 |
¥40,475,674 |
¥8,275,674 |
| 25 |
2.00% |
¥136,481 |
¥40,944,329 |
¥8,744,329 |
| 25 |
2.10% |
¥138,054 |
¥41,416,248 |
¥9,216,248 |
| 25 |
2.20% |
¥139,638 |
¥41,891,421 |
¥9,691,421 |
| 25 |
2.30% |
¥141,233 |
¥42,369,840 |
¥10,169,840 |
| 25 |
2.40% |
¥142,838 |
¥42,851,495 |
¥10,651,495 |
| 25 |
2.50% |
¥144,455 |
¥43,336,377 |
¥11,136,377 |
| 25 |
2.60% |
¥146,082 |
¥43,824,474 |
¥11,624,474 |
| 25 |
2.70% |
¥147,719 |
¥44,315,778 |
¥12,115,778 |
| 25 |
2.80% |
¥149,368 |
¥44,810,277 |
¥12,610,277 |
| 25 |
2.90% |
¥151,027 |
¥45,307,959 |
¥13,107,959 |
| 25 |
3.00% |
¥152,696 |
¥45,808,813 |
¥13,608,813 |
3220万円｜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% |
¥143,816 |
¥34,515,952 |
¥2,315,952 |
| 20 |
0.80% |
¥145,231 |
¥34,855,373 |
¥2,655,373 |
| 20 |
0.90% |
¥146,654 |
¥35,196,934 |
¥2,996,934 |
| 20 |
1.00% |
¥148,086 |
¥35,540,632 |
¥3,340,632 |
| 20 |
1.10% |
¥149,527 |
¥35,886,465 |
¥3,686,465 |
| 20 |
1.20% |
¥150,977 |
¥36,234,432 |
¥4,034,432 |
| 20 |
1.30% |
¥152,436 |
¥36,584,530 |
¥4,384,530 |
| 20 |
1.40% |
¥153,903 |
¥36,936,756 |
¥4,736,756 |
| 20 |
1.50% |
¥155,380 |
¥37,291,109 |
¥5,091,109 |
| 20 |
1.60% |
¥156,865 |
¥37,647,585 |
¥5,447,585 |
| 20 |
1.70% |
¥158,359 |
¥38,006,182 |
¥5,806,182 |
| 20 |
1.80% |
¥159,862 |
¥38,366,896 |
¥6,166,896 |
| 20 |
1.90% |
¥161,374 |
¥38,729,725 |
¥6,529,725 |
| 20 |
2.00% |
¥162,894 |
¥39,094,664 |
¥6,894,664 |
| 20 |
2.10% |
¥164,424 |
¥39,461,711 |
¥7,261,711 |
| 20 |
2.20% |
¥165,962 |
¥39,830,861 |
¥7,630,861 |
| 20 |
2.30% |
¥167,509 |
¥40,202,112 |
¥8,002,112 |
| 20 |
2.40% |
¥169,064 |
¥40,575,458 |
¥8,375,458 |
| 20 |
2.50% |
¥170,629 |
¥40,950,896 |
¥8,750,896 |
| 20 |
2.60% |
¥172,202 |
¥41,328,421 |
¥9,128,421 |
| 20 |
2.70% |
¥173,783 |
¥41,708,029 |
¥9,508,029 |
| 20 |
2.80% |
¥175,374 |
¥42,089,715 |
¥9,889,715 |
| 20 |
2.90% |
¥176,973 |
¥42,473,474 |
¥10,273,474 |
| 20 |
3.00% |
¥178,580 |
¥42,859,302 |
¥10,659,302 |
3220万円｜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% |
¥188,497 |
¥33,929,460 |
¥1,729,460 |
| 15 |
0.80% |
¥189,896 |
¥34,181,350 |
¥1,981,350 |
| 15 |
0.90% |
¥191,302 |
¥34,434,444 |
¥2,234,444 |
| 15 |
1.00% |
¥192,715 |
¥34,688,742 |
¥2,488,742 |
| 15 |
1.10% |
¥194,135 |
¥34,944,243 |
¥2,744,243 |
| 15 |
1.20% |
¥195,561 |
¥35,200,947 |
¥3,000,947 |
| 15 |
1.30% |
¥196,994 |
¥35,458,853 |
¥3,258,853 |
| 15 |
1.40% |
¥198,433 |
¥35,717,959 |
¥3,517,959 |
| 15 |
1.50% |
¥199,879 |
¥35,978,265 |
¥3,778,265 |
| 15 |
1.60% |
¥201,332 |
¥36,239,771 |
¥4,039,771 |
| 15 |
1.70% |
¥202,792 |
¥36,502,475 |
¥4,302,475 |
| 15 |
1.80% |
¥204,258 |
¥36,766,376 |
¥4,566,376 |
| 15 |
1.90% |
¥205,730 |
¥37,031,473 |
¥4,831,473 |
| 15 |
2.00% |
¥207,210 |
¥37,297,764 |
¥5,097,764 |
| 15 |
2.10% |
¥208,696 |
¥37,565,250 |
¥5,365,250 |
| 15 |
2.20% |
¥210,188 |
¥37,833,928 |
¥5,633,928 |
| 15 |
2.30% |
¥211,688 |
¥38,103,797 |
¥5,903,797 |
| 15 |
2.40% |
¥213,194 |
¥38,374,855 |
¥6,174,855 |
| 15 |
2.50% |
¥214,706 |
¥38,647,103 |
¥6,447,103 |
| 15 |
2.60% |
¥216,225 |
¥38,920,537 |
¥6,720,537 |
| 15 |
2.70% |
¥217,751 |
¥39,195,156 |
¥6,995,156 |
| 15 |
2.80% |
¥219,283 |
¥39,470,960 |
¥7,270,960 |
| 15 |
2.90% |
¥220,822 |
¥39,747,945 |
¥7,547,945 |
| 15 |
3.00% |
¥222,367 |
¥40,026,112 |
¥7,826,112 |
3220万円｜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% |
¥277,913 |
¥33,349,534 |
¥1,149,534 |
| 10 |
0.80% |
¥279,299 |
¥33,515,898 |
¥1,315,898 |
| 10 |
0.90% |
¥280,690 |
¥33,682,797 |
¥1,482,797 |
| 10 |
1.00% |
¥282,085 |
¥33,850,232 |
¥1,650,232 |
| 10 |
1.10% |
¥283,485 |
¥34,018,203 |
¥1,818,203 |
| 10 |
1.20% |
¥284,889 |
¥34,186,709 |
¥1,986,709 |
| 10 |
1.30% |
¥286,298 |
¥34,355,750 |
¥2,155,750 |
| 10 |
1.40% |
¥287,711 |
¥34,525,325 |
¥2,325,325 |
| 10 |
1.50% |
¥289,129 |
¥34,695,436 |
¥2,495,436 |
| 10 |
1.60% |
¥290,551 |
¥34,866,080 |
¥2,666,080 |
| 10 |
1.70% |
¥291,977 |
¥35,037,259 |
¥2,837,259 |
| 10 |
1.80% |
¥293,408 |
¥35,208,972 |
¥3,008,972 |
| 10 |
1.90% |
¥294,843 |
¥35,381,219 |
¥3,181,219 |
| 10 |
2.00% |
¥296,283 |
¥35,553,999 |
¥3,353,999 |
| 10 |
2.10% |
¥297,728 |
¥35,727,312 |
¥3,527,312 |
| 10 |
2.20% |
¥299,176 |
¥35,901,158 |
¥3,701,158 |
| 10 |
2.30% |
¥300,629 |
¥36,075,536 |
¥3,875,536 |
| 10 |
2.40% |
¥302,087 |
¥36,250,447 |
¥4,050,447 |
| 10 |
2.50% |
¥303,549 |
¥36,425,890 |
¥4,225,890 |
| 10 |
2.60% |
¥305,016 |
¥36,601,864 |
¥4,401,864 |
| 10 |
2.70% |
¥306,486 |
¥36,778,370 |
¥4,578,370 |
| 10 |
2.80% |
¥307,962 |
¥36,955,407 |
¥4,755,407 |
| 10 |
2.90% |
¥309,441 |
¥37,132,974 |
¥4,932,974 |
| 10 |
3.00% |
¥310,926 |
¥37,311,072 |
¥5,111,072 |
