3230万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。3230万円の住宅ローンが、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。
3230万円の住宅ローン｜期間・年数別
3230万円｜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% | ¥63,818 | ¥38,290,882 | ¥5,990,882 |
| 50 | 0.80% | ¥65,334 | ¥39,200,146 | ¥6,900,146 |
| 50 | 0.90% | ¥66,871 | ¥40,122,640 | ¥7,822,640 |
| 50 | 1.00% | ¥68,431 | ¥41,058,309 | ¥8,758,309 |
| 50 | 1.10% | ¥70,012 | ¥42,007,088 | ¥9,707,088 |
| 50 | 1.20% | ¥71,615 | ¥42,968,907 | ¥10,668,907 |
| 50 | 1.30% | ¥73,239 | ¥43,943,691 | ¥11,643,691 |
| 50 | 1.40% | ¥74,886 | ¥44,931,357 | ¥12,631,357 |
| 50 | 1.50% | ¥76,553 | ¥45,931,819 | ¥13,631,819 |
| 50 | 1.60% | ¥78,242 | ¥46,944,984 | ¥14,644,984 |
| 50 | 1.70% | ¥79,951 | ¥47,970,753 | ¥15,670,753 |
| 50 | 1.80% | ¥81,682 | ¥49,009,022 | ¥16,709,022 |
| 50 | 1.90% | ¥83,433 | ¥50,059,684 | ¥17,759,684 |
| 50 | 2.00% | ¥85,204 | ¥51,122,624 | ¥18,822,624 |
| 50 | 2.10% | ¥86,996 | ¥52,197,724 | ¥19,897,724 |
| 50 | 2.20% | ¥88,808 | ¥53,284,862 | ¥20,984,862 |
| 50 | 2.30% | ¥90,640 | ¥54,383,909 | ¥22,083,909 |
| 50 | 2.40% | ¥92,491 | ¥55,494,736 | ¥23,194,736 |
| 50 | 2.50% | ¥94,362 | ¥56,617,207 | ¥24,317,207 |
| 50 | 2.60% | ¥96,252 | ¥57,751,183 | ¥25,451,183 |
| 50 | 2.70% | ¥98,161 | ¥58,896,521 | ¥26,596,521 |
| 50 | 2.80% | ¥100,088 | ¥60,053,076 | ¥27,753,076 |
| 50 | 2.90% | ¥102,034 | ¥61,220,700 | ¥28,920,700 |
| 50 | 3.00% | ¥103,999 | ¥62,399,239 | ¥30,099,239 |
3230万円｜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% | ¥69,747 | ¥37,663,232 | ¥5,363,232 |
| 45 | 0.80% | ¥71,246 | ¥38,472,739 | ¥6,172,739 |
| 45 | 0.90% | ¥72,765 | ¥39,292,995 | ¥6,992,995 |
| 45 | 1.00% | ¥74,304 | ¥40,123,963 | ¥7,823,963 |
| 45 | 1.10% | ¥75,862 | ¥40,965,601 | ¥8,665,601 |
| 45 | 1.20% | ¥77,440 | ¥41,817,863 | ¥9,517,863 |
| 45 | 1.30% | ¥79,038 | ¥42,680,697 | ¥10,380,697 |
| 45 | 1.40% | ¥80,656 | ¥43,554,049 | ¥11,254,049 |
| 45 | 1.50% | ¥82,292 | ¥44,437,862 | ¥12,137,862 |
| 45 | 1.60% | ¥83,948 | ¥45,332,074 | ¥13,032,074 |
| 45 | 1.70% | ¥85,623 | ¥46,236,618 | ¥13,936,618 |
| 45 | 1.80% | ¥87,317 | ¥47,151,426 | ¥14,851,426 |
| 45 | 1.90% | ¥89,030 | ¥48,076,425 | ¥15,776,425 |
| 45 | 2.00% | ¥90,762 | ¥49,011,538 | ¥16,711,538 |
| 45 | 2.10% | ¥92,512 | ¥49,956,687 | ¥17,656,687 |
| 45 | 2.20% | ¥94,281 | ¥50,911,788 | ¥18,611,788 |
| 45 | 2.30% | ¥96,068 | ¥51,876,756 | ¥19,576,756 |
| 45 | 2.40% | ¥97,873 | ¥52,851,502 | ¥20,551,502 |
| 45 | 2.50% | ¥99,696 | ¥53,835,935 | ¥21,535,935 |
| 45 | 2.60% | ¥101,537 | ¥54,829,959 | ¥22,529,959 |
| 45 | 2.70% | ¥103,395 | ¥55,833,478 | ¥23,533,478 |
| 45 | 2.80% | ¥105,271 | ¥56,846,392 | ¥24,546,392 |
| 45 | 2.90% | ¥107,164 | ¥57,868,599 | ¥25,568,599 |
| 45 | 3.00% | ¥109,074 | ¥58,899,996 | ¥26,599,996 |
3230万円｜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% | ¥77,171 | ¥37,042,110 | ¥4,742,110 |
| 40 | 0.80% | ¥78,654 | ¥37,753,832 | ¥5,453,832 |
| 40 | 0.90% | ¥80,154 | ¥38,474,070 | ¥6,174,070 |
| 40 | 1.00% | ¥81,673 | ¥39,202,801 | ¥6,902,801 |
| 40 | 1.10% | ¥83,208 | ¥39,939,998 | ¥7,639,998 |
| 40 | 1.20% | ¥84,762 | ¥40,685,633 | ¥8,385,633 |
| 40 | 1.30% | ¥86,333 | ¥41,439,672 | ¥9,139,672 |
| 40 | 1.40% | ¥87,921 | ¥42,202,081 | ¥9,902,081 |
| 40 | 1.50% | ¥89,527 | ¥42,972,824 | ¥10,672,824 |
| 40 | 1.60% | ¥91,150 | ¥43,751,862 | ¥11,451,862 |
| 40 | 1.70% | ¥92,790 | ¥44,539,152 | ¥12,239,152 |
| 40 | 1.80% | ¥94,447 | ¥45,334,651 | ¥13,034,651 |
| 40 | 1.90% | ¥96,121 | ¥46,138,312 | ¥13,838,312 |
| 40 | 2.00% | ¥97,813 | ¥46,950,087 | ¥14,650,087 |
| 40 | 2.10% | ¥99,521 | ¥47,769,925 | ¥15,469,925 |
| 40 | 2.20% | ¥101,245 | ¥48,597,773 | ¥16,297,773 |
| 40 | 2.30% | ¥102,987 | ¥49,433,576 | ¥17,133,576 |
| 40 | 2.40% | ¥104,744 | ¥50,277,277 | ¥17,977,277 |
| 40 | 2.50% | ¥106,518 | ¥51,128,816 | ¥18,828,816 |
| 40 | 2.60% | ¥108,309 | ¥51,988,134 | ¥19,688,134 |
| 40 | 2.70% | ¥110,115 | ¥52,855,167 | ¥20,555,167 |
| 40 | 2.80% | ¥111,937 | ¥53,729,851 | ¥21,429,851 |
| 40 | 2.90% | ¥113,775 | ¥54,612,120 | ¥22,312,120 |
| 40 | 3.00% | ¥115,629 | ¥55,501,905 | ¥23,201,905 |
3230万円｜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% | ¥86,732 | ¥36,427,529 | ¥4,127,529 |
| 35 | 0.80% | ¥88,199 | ¥37,043,447 | ¥4,743,447 |
| 35 | 0.90% | ¥89,681 | ¥37,665,901 | ¥5,365,901 |
| 35 | 1.00% | ¥91,178 | ¥38,294,878 | ¥5,994,878 |
| 35 | 1.10% | ¥92,691 | ¥38,930,361 | ¥6,630,361 |
| 35 | 1.20% | ¥94,220 | ¥39,572,332 | ¥7,272,332 |
| 35 | 1.30% | ¥95,764 | ¥40,220,773 | ¥7,920,773 |
| 35 | 1.40% | ¥97,323 | ¥40,875,663 | ¥8,575,663 |
| 35 | 1.50% | ¥98,898 | ¥41,536,981 | ¥9,236,981 |
| 35 | 1.60% | ¥100,487 | ¥42,204,703 | ¥9,904,703 |
| 35 | 1.70% | ¥102,092 | ¥42,878,803 | ¥10,578,803 |
| 35 | 1.80% | ¥103,713 | ¥43,559,256 | ¥11,259,256 |
| 35 | 1.90% | ¥105,348 | ¥44,246,034 | ¥11,946,034 |
| 35 | 2.00% | ¥106,998 | ¥44,939,107 | ¥12,639,107 |
| 35 | 2.10% | ¥108,663 | ¥45,638,446 | ¥13,338,446 |
| 35 | 2.20% | ¥110,343 | ¥46,344,019 | ¥14,044,019 |
| 35 | 2.30% | ¥112,038 | ¥47,055,792 | ¥14,755,792 |
| 35 | 2.40% | ¥113,747 | ¥47,773,731 | ¥15,473,731 |
| 35 | 2.50% | ¥115,471 | ¥48,497,801 | ¥16,197,801 |
| 35 | 2.60% | ¥117,209 | ¥49,227,964 | ¥16,927,964 |
| 35 | 2.70% | ¥118,962 | ¥49,964,183 | ¥17,664,183 |
| 35 | 2.80% | ¥120,730 | ¥50,706,419 | ¥18,406,419 |
| 35 | 2.90% | ¥122,511 | ¥51,454,630 | ¥19,154,630 |
| 35 | 3.00% | ¥124,307 | ¥52,208,777 | ¥19,908,777 |
3230万円｜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% | ¥99,499 | ¥35,819,501 | ¥3,519,501 |
| 30 | 0.80% | ¥100,949 | ¥36,341,605 | ¥4,041,605 |
| 30 | 0.90% | ¥102,413 | ¥36,868,522 | ¥4,568,522 |
| 30 | 1.00% | ¥103,890 | ¥37,400,243 | ¥5,100,243 |
| 30 | 1.10% | ¥105,380 | ¥37,936,760 | ¥5,636,760 |
| 30 | 1.20% | ¥106,884 | ¥38,478,063 | ¥6,178,063 |
| 30 | 1.30% | ¥108,400 | ¥39,024,141 | ¥6,724,141 |
| 30 | 1.40% | ¥109,931 | ¥39,574,984 | ¥7,274,984 |
| 30 | 1.50% | ¥111,474 | ¥40,130,578 | ¥7,830,578 |
| 30 | 1.60% | ¥113,030 | ¥40,690,912 | ¥8,390,912 |
| 30 | 1.70% | ¥114,600 | ¥41,255,971 | ¥8,955,971 |
| 30 | 1.80% | ¥116,183 | ¥41,825,741 | ¥9,525,741 |
| 30 | 1.90% | ¥117,778 | ¥42,400,207 | ¥10,100,207 |
| 30 | 2.00% | ¥119,387 | ¥42,979,352 | ¥10,679,352 |
| 30 | 2.10% | ¥121,009 | ¥43,563,160 | ¥11,263,160 |
| 30 | 2.20% | ¥122,643 | ¥44,151,614 | ¥11,851,614 |
| 30 | 2.30% | ¥124,291 | ¥44,744,694 | ¥12,444,694 |
| 30 | 2.40% | ¥125,951 | ¥45,342,382 | ¥13,042,382 |
| 30 | 2.50% | ¥127,624 | ¥45,944,658 | ¥13,644,658 |
| 30 | 2.60% | ¥129,310 | ¥46,551,502 | ¥14,251,502 |
| 30 | 2.70% | ¥131,008 | ¥47,162,892 | ¥14,862,892 |
| 30 | 2.80% | ¥132,719 | ¥47,778,806 | ¥15,478,806 |
| 30 | 2.90% | ¥134,442 | ¥48,399,222 | ¥16,099,222 |
| 30 | 3.00% | ¥136,178 | ¥49,024,117 | ¥16,724,117 |
3230万円｜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% | ¥117,393 | ¥35,218,036 | ¥2,918,036 |
| 25 | 0.80% | ¥118,828 | ¥35,648,325 | ¥3,348,325 |
| 25 | 0.90% | ¥120,273 | ¥36,081,961 | ¥3,781,961 |
| 25 | 1.00% | ¥121,730 | ¥36,518,941 | ¥4,218,941 |
| 25 | 1.10% | ¥123,198 | ¥36,959,260 | ¥4,659,260 |
| 25 | 1.20% | ¥124,676 | ¥37,402,914 | ¥5,102,914 |
| 25 | 1.30% | ¥126,166 | ¥37,849,898 | ¥5,549,898 |
| 25 | 1.40% | ¥127,667 | ¥38,300,205 | ¥6,000,205 |
| 25 | 1.50% | ¥129,179 | ¥38,753,830 | ¥6,453,830 |
| 25 | 1.60% | ¥130,703 | ¥39,210,767 | ¥6,910,767 |
| 25 | 1.70% | ¥132,237 | ¥39,671,008 | ¥7,371,008 |
| 25 | 1.80% | ¥133,782 | ¥40,134,546 | ¥7,834,546 |
| 25 | 1.90% | ¥135,338 | ¥40,601,375 | ¥8,301,375 |
| 25 | 2.00% | ¥136,905 | ¥41,071,485 | ¥8,771,485 |
| 25 | 2.10% | ¥138,483 | ¥41,544,869 | ¥9,244,869 |
| 25 | 2.20% | ¥140,072 | ¥42,021,518 | ¥9,721,518 |
| 25 | 2.30% | ¥141,671 | ¥42,501,423 | ¥10,201,423 |
| 25 | 2.40% | ¥143,282 | ¥42,984,574 | ¥10,684,574 |
| 25 | 2.50% | ¥144,903 | ¥43,470,962 | ¥11,170,962 |
| 25 | 2.60% | ¥146,535 | ¥43,960,575 | ¥11,660,575 |
| 25 | 2.70% | ¥148,178 | ¥44,453,405 | ¥12,153,405 |
| 25 | 2.80% | ¥149,831 | ¥44,949,439 | ¥12,649,439 |
| 25 | 2.90% | ¥151,496 | ¥45,448,667 | ¥13,148,667 |
| 25 | 3.00% | ¥153,170 | ¥45,951,076 | ¥13,651,076 |
3230万円｜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% | ¥144,263 | ¥34,623,144 | ¥2,323,144 |
| 20 | 0.80% | ¥145,682 | ¥34,963,620 | ¥2,663,620 |
| 20 | 0.90% | ¥147,109 | ¥35,306,241 | ¥3,006,241 |
| 20 | 1.00% | ¥148,546 | ¥35,651,007 | ¥3,351,007 |
| 20 | 1.10% | ¥149,991 | ¥35,997,914 | ¥3,697,914 |
| 20 | 1.20% | ¥151,446 | ¥36,346,961 | ¥4,046,961 |
| 20 | 1.30% | ¥152,909 | ¥36,698,147 | ¥4,398,147 |
| 20 | 1.40% | ¥154,381 | ¥37,051,467 | ¥4,751,467 |
| 20 | 1.50% | ¥155,862 | ¥37,406,920 | ¥5,106,920 |
| 20 | 1.60% | ¥157,352 | ¥37,764,503 | ¥5,464,503 |
| 20 | 1.70% | ¥158,851 | ¥38,124,214 | ¥5,824,214 |
| 20 | 1.80% | ¥160,359 | ¥38,486,048 | ¥6,186,048 |
| 20 | 1.90% | ¥161,875 | ¥38,850,003 | ¥6,550,003 |
| 20 | 2.00% | ¥163,400 | ¥39,216,076 | ¥6,916,076 |
| 20 | 2.10% | ¥164,934 | ¥39,584,263 | ¥7,284,263 |
| 20 | 2.20% | ¥166,477 | ¥39,954,560 | ¥7,654,560 |
| 20 | 2.30% | ¥168,029 | ¥40,326,963 | ¥8,026,963 |
| 20 | 2.40% | ¥169,589 | ¥40,701,469 | ¥8,401,469 |
| 20 | 2.50% | ¥171,159 | ¥41,078,072 | ¥8,778,072 |
| 20 | 2.60% | ¥172,737 | ¥41,456,770 | ¥9,156,770 |
| 20 | 2.70% | ¥174,323 | ¥41,837,557 | ¥9,537,557 |
| 20 | 2.80% | ¥175,918 | ¥42,220,428 | ¥9,920,428 |
| 20 | 2.90% | ¥177,522 | ¥42,605,380 | ¥10,305,380 |
| 20 | 3.00% | ¥179,135 | ¥42,992,406 | ¥10,692,406 |
3230万円｜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% | ¥189,082 | ¥34,034,831 | ¥1,734,831 |
| 15 | 0.80% | ¥190,486 | ¥34,287,503 | ¥1,987,503 |
| 15 | 0.90% | ¥191,897 | ¥34,541,383 | ¥2,241,383 |
| 15 | 1.00% | ¥193,314 | ¥34,796,471 | ¥2,496,471 |
| 15 | 1.10% | ¥194,738 | ¥35,052,766 | ¥2,752,766 |
| 15 | 1.20% | ¥196,168 | ¥35,310,267 | ¥3,010,267 |
| 15 | 1.30% | ¥197,605 | ¥35,568,973 | ¥3,268,973 |
| 15 | 1.40% | ¥199,049 | ¥35,828,884 | ¥3,528,884 |
| 15 | 1.50% | ¥200,500 | ¥36,089,999 | ¥3,789,999 |
| 15 | 1.60% | ¥201,957 | ¥36,352,317 | ¥4,052,317 |
| 15 | 1.70% | ¥203,421 | ¥36,615,837 | ¥4,315,837 |
| 15 | 1.80% | ¥204,892 | ¥36,880,557 | ¥4,580,557 |
| 15 | 1.90% | ¥206,369 | ¥37,146,477 | ¥4,846,477 |
| 15 | 2.00% | ¥207,853 | ¥37,413,596 | ¥5,113,596 |
| 15 | 2.10% | ¥209,344 | ¥37,681,912 | ¥5,381,912 |
| 15 | 2.20% | ¥210,841 | ¥37,951,424 | ¥5,651,424 |
| 15 | 2.30% | ¥212,345 | ¥38,222,131 | ¥5,922,131 |
| 15 | 2.40% | ¥213,856 | ¥38,494,032 | ¥6,194,032 |
| 15 | 2.50% | ¥215,373 | ¥38,767,125 | ¥6,467,125 |
| 15 | 2.60% | ¥216,897 | ¥39,041,408 | ¥6,741,408 |
| 15 | 2.70% | ¥218,427 | ¥39,316,880 | ¥7,016,880 |
| 15 | 2.80% | ¥219,964 | ¥39,593,540 | ¥7,293,540 |
| 15 | 2.90% | ¥221,508 | ¥39,871,386 | ¥7,571,386 |
| 15 | 3.00% | ¥223,058 | ¥40,150,417 | ¥7,850,417 |
3230万円｜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% | ¥278,776 | ¥33,453,104 | ¥1,153,104 |
| 10 | 0.80% | ¥280,167 | ¥33,619,985 | ¥1,319,985 |
| 10 | 0.90% | ¥281,562 | ¥33,787,402 | ¥1,487,402 |
| 10 | 1.00% | ¥282,961 | ¥33,955,357 | ¥1,655,357 |
| 10 | 1.10% | ¥284,365 | ¥34,123,850 | ¥1,823,850 |
| 10 | 1.20% | ¥285,774 | ¥34,292,879 | ¥1,992,879 |
| 10 | 1.30% | ¥287,187 | ¥34,462,444 | ¥2,162,444 |
| 10 | 1.40% | ¥288,605 | ¥34,632,547 | ¥2,332,547 |
| 10 | 1.50% | ¥290,027 | ¥34,803,185 | ¥2,503,185 |
| 10 | 1.60% | ¥291,453 | ¥34,974,360 | ¥2,674,360 |
| 10 | 1.70% | ¥292,884 | ¥35,146,071 | ¥2,846,071 |
| 10 | 1.80% | ¥294,319 | ¥35,318,317 | ¥3,018,317 |
| 10 | 1.90% | ¥295,759 | ¥35,491,098 | ¥3,191,098 |
| 10 | 2.00% | ¥297,203 | ¥35,664,415 | ¥3,364,415 |
| 10 | 2.10% | ¥298,652 | ¥35,838,266 | ¥3,538,266 |
| 10 | 2.20% | ¥300,105 | ¥36,012,652 | ¥3,712,652 |
| 10 | 2.30% | ¥301,563 | ¥36,187,572 | ¥3,887,572 |
| 10 | 2.40% | ¥303,025 | ¥36,363,026 | ¥4,063,026 |
| 10 | 2.50% | ¥304,492 | ¥36,539,014 | ¥4,239,014 |
| 10 | 2.60% | ¥305,963 | ¥36,715,535 | ¥4,415,535 |
| 10 | 2.70% | ¥307,438 | ¥36,892,589 | ¥4,592,589 |
| 10 | 2.80% | ¥308,918 | ¥37,070,175 | ¥4,770,175 |
| 10 | 2.90% | ¥310,402 | ¥37,248,294 | ¥4,948,294 |
| 10 | 3.00% | ¥311,891 | ¥37,426,945 | ¥5,126,945 |
