3500万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。3500万円の住宅ローンが、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。
3500万円の住宅ローン｜期間・年数別
3500万円｜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% | ¥69,153 | ¥41,491,668 | ¥6,491,668 |
| 50 | 0.80% | ¥70,795 | ¥42,476,938 | ¥7,476,938 |
| 50 | 0.90% | ¥72,461 | ¥43,476,545 | ¥8,476,545 |
| 50 | 1.00% | ¥74,151 | ¥44,490,428 | ¥9,490,428 |
| 50 | 1.10% | ¥75,864 | ¥45,518,516 | ¥10,518,516 |
| 50 | 1.20% | ¥77,601 | ¥46,560,735 | ¥11,560,735 |
| 50 | 1.30% | ¥79,362 | ¥47,617,002 | ¥12,617,002 |
| 50 | 1.40% | ¥81,145 | ¥48,687,229 | ¥13,687,229 |
| 50 | 1.50% | ¥82,952 | ¥49,771,321 | ¥14,771,321 |
| 50 | 1.60% | ¥84,782 | ¥50,869,178 | ¥15,869,178 |
| 50 | 1.70% | ¥86,634 | ¥51,980,692 | ¥16,980,692 |
| 50 | 1.80% | ¥88,510 | ¥53,105,752 | ¥18,105,752 |
| 50 | 1.90% | ¥90,407 | ¥54,244,240 | ¥19,244,240 |
| 50 | 2.00% | ¥92,327 | ¥55,396,032 | ¥20,396,032 |
| 50 | 2.10% | ¥94,268 | ¥56,561,001 | ¥21,561,001 |
| 50 | 2.20% | ¥96,232 | ¥57,739,014 | ¥22,739,014 |
| 50 | 2.30% | ¥98,217 | ¥58,929,933 | ¥23,929,933 |
| 50 | 2.40% | ¥100,223 | ¥60,133,615 | ¥25,133,615 |
| 50 | 2.50% | ¥102,250 | ¥61,349,915 | ¥26,349,915 |
| 50 | 2.60% | ¥104,298 | ¥62,578,681 | ¥27,578,681 |
| 50 | 2.70% | ¥106,366 | ¥63,819,760 | ¥28,819,760 |
| 50 | 2.80% | ¥108,455 | ¥65,072,993 | ¥30,072,993 |
| 50 | 2.90% | ¥110,564 | ¥66,338,219 | ¥31,338,219 |
| 50 | 3.00% | ¥112,692 | ¥67,615,275 | ¥32,615,275 |
3500万円｜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% | ¥75,577 | ¥40,811,552 | ¥5,811,552 |
| 45 | 0.80% | ¥77,201 | ¥41,688,726 | ¥6,688,726 |
| 45 | 0.90% | ¥78,847 | ¥42,577,549 | ¥7,577,549 |
| 45 | 1.00% | ¥80,515 | ¥43,477,979 | ¥8,477,979 |
| 45 | 1.10% | ¥82,204 | ¥44,389,971 | ¥9,389,971 |
| 45 | 1.20% | ¥83,914 | ¥45,313,473 | ¥10,313,473 |
| 45 | 1.30% | ¥85,645 | ¥46,248,433 | ¥11,248,433 |
| 45 | 1.40% | ¥87,398 | ¥47,194,790 | ¥12,194,790 |
| 45 | 1.50% | ¥89,171 | ¥48,152,482 | ¥13,152,482 |
| 45 | 1.60% | ¥90,966 | ¥49,121,442 | ¥14,121,442 |
| 45 | 1.70% | ¥92,781 | ¥50,101,599 | ¥15,101,599 |
| 45 | 1.80% | ¥94,616 | ¥51,092,877 | ¥16,092,877 |
| 45 | 1.90% | ¥96,473 | ¥52,095,197 | ¥17,095,197 |
| 45 | 2.00% | ¥98,349 | ¥53,108,478 | ¥18,108,478 |
| 45 | 2.10% | ¥100,246 | ¥54,132,633 | ¥19,132,633 |
| 45 | 2.20% | ¥102,162 | ¥55,167,573 | ¥20,167,573 |
| 45 | 2.30% | ¥104,099 | ¥56,213,204 | ¥21,213,204 |
| 45 | 2.40% | ¥106,054 | ¥57,269,430 | ¥22,269,430 |
| 45 | 2.50% | ¥108,030 | ¥58,336,152 | ¥23,336,152 |
| 45 | 2.60% | ¥110,025 | ¥59,413,268 | ¥24,413,268 |
| 45 | 2.70% | ¥112,038 | ¥60,500,672 | ¥25,500,672 |
| 45 | 2.80% | ¥114,071 | ¥61,598,257 | ¥26,598,257 |
| 45 | 2.90% | ¥116,122 | ¥62,705,913 | ¥27,705,913 |
| 45 | 3.00% | ¥118,192 | ¥63,823,525 | ¥28,823,525 |
3500万円｜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% | ¥83,622 | ¥40,138,509 | ¥5,138,509 |
| 40 | 0.80% | ¥85,229 | ¥40,909,725 | ¥5,909,725 |
| 40 | 0.90% | ¥86,855 | ¥41,690,169 | ¥6,690,169 |
| 40 | 1.00% | ¥88,500 | ¥42,479,815 | ¥7,479,815 |
| 40 | 1.10% | ¥90,164 | ¥43,278,636 | ¥8,278,636 |
| 40 | 1.20% | ¥91,847 | ¥44,086,599 | ¥9,086,599 |
| 40 | 1.30% | ¥93,549 | ¥44,903,669 | ¥9,903,669 |
| 40 | 1.40% | ¥95,270 | ¥45,729,809 | ¥10,729,809 |
| 40 | 1.50% | ¥97,010 | ¥46,564,980 | ¥11,564,980 |
| 40 | 1.60% | ¥98,769 | ¥47,409,138 | ¥12,409,138 |
| 40 | 1.70% | ¥100,546 | ¥48,262,239 | ¥13,262,239 |
| 40 | 1.80% | ¥102,342 | ¥49,124,235 | ¥14,124,235 |
| 40 | 1.90% | ¥104,156 | ¥49,995,075 | ¥14,995,075 |
| 40 | 2.00% | ¥105,989 | ¥50,874,707 | ¥15,874,707 |
| 40 | 2.10% | ¥107,840 | ¥51,763,077 | ¥16,763,077 |
| 40 | 2.20% | ¥109,709 | ¥52,660,125 | ¥17,660,125 |
| 40 | 2.30% | ¥111,595 | ¥53,565,794 | ¥18,565,794 |
| 40 | 2.40% | ¥113,500 | ¥54,480,021 | ¥19,480,021 |
| 40 | 2.50% | ¥115,422 | ¥55,402,742 | ¥20,402,742 |
| 40 | 2.60% | ¥117,362 | ¥56,333,892 | ¥21,333,892 |
| 40 | 2.70% | ¥119,320 | ¥57,273,401 | ¥22,273,401 |
| 40 | 2.80% | ¥121,294 | ¥58,221,201 | ¥23,221,201 |
| 40 | 2.90% | ¥123,286 | ¥59,177,220 | ¥24,177,220 |
| 40 | 3.00% | ¥125,295 | ¥60,141,383 | ¥25,141,383 |
3500万円｜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% | ¥93,982 | ¥39,472,554 | ¥4,472,554 |
| 35 | 0.80% | ¥95,571 | ¥40,139,958 | ¥5,139,958 |
| 35 | 0.90% | ¥97,177 | ¥40,814,444 | ¥5,814,444 |
| 35 | 1.00% | ¥98,800 | ¥41,495,998 | ¥6,495,998 |
| 35 | 1.10% | ¥100,440 | ¥42,184,601 | ¥7,184,601 |
| 35 | 1.20% | ¥102,096 | ¥42,880,236 | ¥7,880,236 |
| 35 | 1.30% | ¥103,769 | ¥43,582,881 | ¥8,582,881 |
| 35 | 1.40% | ¥105,458 | ¥44,292,515 | ¥9,292,515 |
| 35 | 1.50% | ¥107,165 | ¥45,009,113 | ¥10,009,113 |
| 35 | 1.60% | ¥108,887 | ¥45,732,650 | ¥10,732,650 |
| 35 | 1.70% | ¥110,626 | ¥46,463,099 | ¥11,463,099 |
| 35 | 1.80% | ¥112,382 | ¥47,200,432 | ¥12,200,432 |
| 35 | 1.90% | ¥114,154 | ¥47,944,619 | ¥12,944,619 |
| 35 | 2.00% | ¥115,942 | ¥48,695,627 | ¥13,695,627 |
| 35 | 2.10% | ¥117,746 | ¥49,453,425 | ¥14,453,425 |
| 35 | 2.20% | ¥119,567 | ¥50,217,977 | ¥15,217,977 |
| 35 | 2.30% | ¥121,403 | ¥50,989,248 | ¥15,989,248 |
| 35 | 2.40% | ¥123,255 | ¥51,767,201 | ¥16,767,201 |
| 35 | 2.50% | ¥125,123 | ¥52,551,797 | ¥17,551,797 |
| 35 | 2.60% | ¥127,007 | ¥53,342,995 | ¥18,342,995 |
| 35 | 2.70% | ¥128,907 | ¥54,140,756 | ¥19,140,756 |
| 35 | 2.80% | ¥130,822 | ¥54,945,036 | ¥19,945,036 |
| 35 | 2.90% | ¥132,752 | ¥55,755,791 | ¥20,755,791 |
| 35 | 3.00% | ¥134,698 | ¥56,572,978 | ¥21,572,978 |
3500万円｜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% | ¥107,816 | ¥38,813,700 | ¥3,813,700 |
| 30 | 0.80% | ¥109,387 | ¥39,379,448 | ¥4,379,448 |
| 30 | 0.90% | ¥110,973 | ¥39,950,411 | ¥4,950,411 |
| 30 | 1.00% | ¥112,574 | ¥40,526,580 | ¥5,526,580 |
| 30 | 1.10% | ¥114,189 | ¥41,107,945 | ¥6,107,945 |
| 30 | 1.20% | ¥115,818 | ¥41,694,495 | ¥6,694,495 |
| 30 | 1.30% | ¥117,462 | ¥42,286,221 | ¥7,286,221 |
| 30 | 1.40% | ¥119,120 | ¥42,883,109 | ¥7,883,109 |
| 30 | 1.50% | ¥120,792 | ¥43,485,147 | ¥8,485,147 |
| 30 | 1.60% | ¥122,479 | ¥44,092,319 | ¥9,092,319 |
| 30 | 1.70% | ¥124,179 | ¥44,704,612 | ¥9,704,612 |
| 30 | 1.80% | ¥125,894 | ¥45,322,010 | ¥10,322,010 |
| 30 | 1.90% | ¥127,624 | ¥45,944,497 | ¥10,944,497 |
| 30 | 2.00% | ¥129,367 | ¥46,572,054 | ¥11,572,054 |
| 30 | 2.10% | ¥131,124 | ¥47,204,663 | ¥12,204,663 |
| 30 | 2.20% | ¥132,895 | ¥47,842,306 | ¥12,842,306 |
| 30 | 2.30% | ¥134,680 | ¥48,484,963 | ¥13,484,963 |
| 30 | 2.40% | ¥136,479 | ¥49,132,612 | ¥14,132,612 |
| 30 | 2.50% | ¥138,292 | ¥49,785,233 | ¥14,785,233 |
| 30 | 2.60% | ¥140,119 | ¥50,442,804 | ¥15,442,804 |
| 30 | 2.70% | ¥141,959 | ¥51,105,300 | ¥16,105,300 |
| 30 | 2.80% | ¥143,813 | ¥51,772,700 | ¥16,772,700 |
| 30 | 2.90% | ¥145,680 | ¥52,444,977 | ¥17,444,977 |
| 30 | 3.00% | ¥147,561 | ¥53,122,108 | ¥18,122,108 |
3500万円｜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% | ¥127,207 | ¥38,161,959 | ¥3,161,959 |
| 25 | 0.80% | ¥128,761 | ¥38,628,216 | ¥3,628,216 |
| 25 | 0.90% | ¥130,327 | ¥39,098,100 | ¥4,098,100 |
| 25 | 1.00% | ¥131,905 | ¥39,571,608 | ¥4,571,608 |
| 25 | 1.10% | ¥133,496 | ¥40,048,734 | ¥5,048,734 |
| 25 | 1.20% | ¥135,098 | ¥40,529,474 | ¥5,529,474 |
| 25 | 1.30% | ¥136,713 | ¥41,013,821 | ¥6,013,821 |
| 25 | 1.40% | ¥138,339 | ¥41,501,770 | ¥6,501,770 |
| 25 | 1.50% | ¥139,978 | ¥41,993,314 | ¥6,993,314 |
| 25 | 1.60% | ¥141,628 | ¥42,488,447 | ¥7,488,447 |
| 25 | 1.70% | ¥143,291 | ¥42,987,160 | ¥7,987,160 |
| 25 | 1.80% | ¥144,965 | ¥43,489,447 | ¥8,489,447 |
| 25 | 1.90% | ¥146,651 | ¥43,995,298 | ¥8,995,298 |
| 25 | 2.00% | ¥148,349 | ¥44,504,706 | ¥9,504,706 |
| 25 | 2.10% | ¥150,059 | ¥45,017,660 | ¥10,017,660 |
| 25 | 2.20% | ¥151,781 | ¥45,534,153 | ¥10,534,153 |
| 25 | 2.30% | ¥153,514 | ¥46,054,174 | ¥11,054,174 |
| 25 | 2.40% | ¥155,259 | ¥46,577,712 | ¥11,577,712 |
| 25 | 2.50% | ¥157,016 | ¥47,104,757 | ¥12,104,757 |
| 25 | 2.60% | ¥158,784 | ¥47,635,298 | ¥12,635,298 |
| 25 | 2.70% | ¥160,564 | ¥48,169,324 | ¥13,169,324 |
| 25 | 2.80% | ¥162,356 | ¥48,706,822 | ¥13,706,822 |
| 25 | 2.90% | ¥164,159 | ¥49,247,781 | ¥14,247,781 |
| 25 | 3.00% | ¥165,974 | ¥49,792,188 | ¥14,792,188 |
3500万円｜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% | ¥156,322 | ¥37,517,339 | ¥2,517,339 |
| 20 | 0.80% | ¥157,859 | ¥37,886,275 | ¥2,886,275 |
| 20 | 0.90% | ¥159,406 | ¥38,257,537 | ¥3,257,537 |
| 20 | 1.00% | ¥160,963 | ¥38,631,122 | ¥3,631,122 |
| 20 | 1.10% | ¥162,529 | ¥39,007,028 | ¥4,007,028 |
| 20 | 1.20% | ¥164,105 | ¥39,385,252 | ¥4,385,252 |
| 20 | 1.30% | ¥165,691 | ¥39,765,793 | ¥4,765,793 |
| 20 | 1.40% | ¥167,286 | ¥40,148,648 | ¥5,148,648 |
| 20 | 1.50% | ¥168,891 | ¥40,533,814 | ¥5,533,814 |
| 20 | 1.60% | ¥170,505 | ¥40,921,288 | ¥5,921,288 |
| 20 | 1.70% | ¥172,129 | ¥41,311,067 | ¥6,311,067 |
| 20 | 1.80% | ¥173,763 | ¥41,703,148 | ¥6,703,148 |
| 20 | 1.90% | ¥175,406 | ¥42,097,527 | ¥7,097,527 |
| 20 | 2.00% | ¥177,059 | ¥42,494,200 | ¥7,494,200 |
| 20 | 2.10% | ¥178,722 | ¥42,893,164 | ¥7,893,164 |
| 20 | 2.20% | ¥180,393 | ¥43,294,415 | ¥8,294,415 |
| 20 | 2.30% | ¥182,075 | ¥43,697,947 | ¥8,697,947 |
| 20 | 2.40% | ¥183,766 | ¥44,103,758 | ¥9,103,758 |
| 20 | 2.50% | ¥185,466 | ¥44,511,843 | ¥9,511,843 |
| 20 | 2.60% | ¥187,176 | ¥44,922,196 | ¥9,922,196 |
| 20 | 2.70% | ¥188,895 | ¥45,334,814 | ¥10,334,814 |
| 20 | 2.80% | ¥190,624 | ¥45,749,690 | ¥10,749,690 |
| 20 | 2.90% | ¥192,362 | ¥46,166,820 | ¥11,166,820 |
| 20 | 3.00% | ¥194,109 | ¥46,586,198 | ¥11,586,198 |
3500万円｜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% | ¥204,888 | ¥36,879,848 | ¥1,879,848 |
| 15 | 0.80% | ¥206,409 | ¥37,153,641 | ¥2,153,641 |
| 15 | 0.90% | ¥207,937 | ¥37,428,744 | ¥2,428,744 |
| 15 | 1.00% | ¥209,473 | ¥37,705,154 | ¥2,705,154 |
| 15 | 1.10% | ¥211,016 | ¥37,982,873 | ¥2,982,873 |
| 15 | 1.20% | ¥212,566 | ¥38,261,899 | ¥3,261,899 |
| 15 | 1.30% | ¥214,124 | ¥38,542,231 | ¥3,542,231 |
| 15 | 1.40% | ¥215,688 | ¥38,823,868 | ¥3,823,868 |
| 15 | 1.50% | ¥217,260 | ¥39,106,810 | ¥4,106,810 |
| 15 | 1.60% | ¥218,839 | ¥39,391,056 | ¥4,391,056 |
| 15 | 1.70% | ¥220,426 | ¥39,676,603 | ¥4,676,603 |
| 15 | 1.80% | ¥222,019 | ¥39,963,452 | ¥4,963,452 |
| 15 | 1.90% | ¥223,620 | ¥40,251,601 | ¥5,251,601 |
| 15 | 2.00% | ¥225,228 | ¥40,541,048 | ¥5,541,048 |
| 15 | 2.10% | ¥226,843 | ¥40,831,793 | ¥5,831,793 |
| 15 | 2.20% | ¥228,466 | ¥41,123,834 | ¥6,123,834 |
| 15 | 2.30% | ¥230,095 | ¥41,417,170 | ¥6,417,170 |
| 15 | 2.40% | ¥231,732 | ¥41,711,799 | ¥6,711,799 |
| 15 | 2.50% | ¥233,376 | ¥42,007,720 | ¥7,007,720 |
| 15 | 2.60% | ¥235,027 | ¥42,304,931 | ¥7,304,931 |
| 15 | 2.70% | ¥236,686 | ¥42,603,431 | ¥7,603,431 |
| 15 | 2.80% | ¥238,351 | ¥42,903,217 | ¥7,903,217 |
| 15 | 2.90% | ¥240,024 | ¥43,204,289 | ¥8,204,289 |
| 15 | 3.00% | ¥241,704 | ¥43,506,643 | ¥8,506,643 |
3500万円｜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% | ¥302,079 | ¥36,249,494 | ¥1,249,494 |
| 10 | 0.80% | ¥303,586 | ¥36,430,324 | ¥1,430,324 |
| 10 | 0.90% | ¥305,098 | ¥36,611,736 | ¥1,611,736 |
| 10 | 1.00% | ¥306,614 | ¥36,793,731 | ¥1,793,731 |
| 10 | 1.10% | ¥308,136 | ¥36,976,308 | ¥1,976,308 |
| 10 | 1.20% | ¥309,662 | ¥37,159,466 | ¥2,159,466 |
| 10 | 1.30% | ¥311,193 | ¥37,343,206 | ¥2,343,206 |
| 10 | 1.40% | ¥312,729 | ¥37,527,527 | ¥2,527,527 |
| 10 | 1.50% | ¥314,270 | ¥37,712,430 | ¥2,712,430 |
| 10 | 1.60% | ¥315,816 | ¥37,897,913 | ¥2,897,913 |
| 10 | 1.70% | ¥317,366 | ¥38,083,977 | ¥3,083,977 |
| 10 | 1.80% | ¥318,922 | ¥38,270,622 | ¥3,270,622 |
| 10 | 1.90% | ¥320,482 | ¥38,457,846 | ¥3,457,846 |
| 10 | 2.00% | ¥322,047 | ¥38,645,651 | ¥3,645,651 |
| 10 | 2.10% | ¥323,617 | ¥38,834,034 | ¥3,834,034 |
| 10 | 2.20% | ¥325,192 | ¥39,022,998 | ¥4,022,998 |
| 10 | 2.30% | ¥326,771 | ¥39,212,539 | ¥4,212,539 |
| 10 | 2.40% | ¥328,355 | ¥39,402,660 | ¥4,402,660 |
| 10 | 2.50% | ¥329,945 | ¥39,593,359 | ¥4,593,359 |
| 10 | 2.60% | ¥331,539 | ¥39,784,635 | ¥4,784,635 |
| 10 | 2.70% | ¥333,137 | ¥39,976,489 | ¥4,976,489 |
| 10 | 2.80% | ¥334,741 | ¥40,168,921 | ¥5,168,921 |
| 10 | 2.90% | ¥336,349 | ¥40,361,929 | ¥5,361,929 |
| 10 | 3.00% | ¥337,963 | ¥40,555,513 | ¥5,555,513 |
