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 |
