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 |
