3650万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。3650万円の住宅ローンが、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。
3650万円の住宅ローン｜期間・年数別
3650万円｜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% |
¥72,116 |
¥43,269,882 |
¥6,769,882 |
| 50 |
0.80% |
¥73,829 |
¥44,297,378 |
¥7,797,378 |
| 50 |
0.90% |
¥75,566 |
¥45,339,826 |
¥8,839,826 |
| 50 |
1.00% |
¥77,329 |
¥46,397,160 |
¥9,897,160 |
| 50 |
1.10% |
¥79,116 |
¥47,469,310 |
¥10,969,310 |
| 50 |
1.20% |
¥80,927 |
¥48,556,195 |
¥12,056,195 |
| 50 |
1.30% |
¥82,763 |
¥49,657,731 |
¥13,157,731 |
| 50 |
1.40% |
¥84,623 |
¥50,773,825 |
¥14,273,825 |
| 50 |
1.50% |
¥86,507 |
¥51,904,378 |
¥15,404,378 |
| 50 |
1.60% |
¥88,415 |
¥53,049,285 |
¥16,549,285 |
| 50 |
1.70% |
¥90,347 |
¥54,208,436 |
¥17,708,436 |
| 50 |
1.80% |
¥92,303 |
¥55,381,713 |
¥18,881,713 |
| 50 |
1.90% |
¥94,282 |
¥56,568,993 |
¥20,068,993 |
| 50 |
2.00% |
¥96,284 |
¥57,770,148 |
¥21,270,148 |
| 50 |
2.10% |
¥98,308 |
¥58,985,044 |
¥22,485,044 |
| 50 |
2.20% |
¥100,356 |
¥60,213,543 |
¥23,713,543 |
| 50 |
2.30% |
¥102,426 |
¥61,455,501 |
¥24,955,501 |
| 50 |
2.40% |
¥104,518 |
¥62,710,770 |
¥26,210,770 |
| 50 |
2.50% |
¥106,632 |
¥63,979,197 |
¥27,479,197 |
| 50 |
2.60% |
¥108,768 |
¥65,260,625 |
¥28,760,625 |
| 50 |
2.70% |
¥110,925 |
¥66,554,892 |
¥30,054,892 |
| 50 |
2.80% |
¥113,103 |
¥67,861,835 |
¥31,361,835 |
| 50 |
2.90% |
¥115,302 |
¥69,181,286 |
¥32,681,286 |
| 50 |
3.00% |
¥117,522 |
¥70,513,072 |
¥34,013,072 |
3650万円｜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% |
¥78,816 |
¥42,560,619 |
¥6,060,619 |
| 45 |
0.80% |
¥80,510 |
¥43,475,386 |
¥6,975,386 |
| 45 |
0.90% |
¥82,226 |
¥44,402,301 |
¥7,902,301 |
| 45 |
1.00% |
¥83,965 |
¥45,341,321 |
¥8,841,321 |
| 45 |
1.10% |
¥85,727 |
¥46,292,398 |
¥9,792,398 |
| 45 |
1.20% |
¥87,510 |
¥47,255,479 |
¥10,755,479 |
| 45 |
1.30% |
¥89,316 |
¥48,230,508 |
¥11,730,508 |
| 45 |
1.40% |
¥91,143 |
¥49,217,424 |
¥12,717,424 |
| 45 |
1.50% |
¥92,993 |
¥50,216,160 |
¥13,716,160 |
| 45 |
1.60% |
¥94,864 |
¥51,226,647 |
¥14,726,647 |
| 45 |
1.70% |
¥96,757 |
¥52,248,810 |
¥15,748,810 |
| 45 |
1.80% |
¥98,671 |
¥53,282,571 |
¥16,782,571 |
| 45 |
1.90% |
¥100,607 |
¥54,327,849 |
¥17,827,849 |
| 45 |
2.00% |
¥102,564 |
¥55,384,556 |
¥18,884,556 |
| 45 |
2.10% |
¥104,542 |
¥56,452,603 |
¥19,952,603 |
| 45 |
2.20% |
¥106,541 |
¥57,531,897 |
¥21,031,897 |
| 45 |
2.30% |
¥108,560 |
¥58,622,341 |
¥22,122,341 |
| 45 |
2.40% |
¥110,600 |
¥59,723,834 |
¥23,223,834 |
| 45 |
2.50% |
¥112,660 |
¥60,836,273 |
¥24,336,273 |
| 45 |
2.60% |
¥114,740 |
¥61,959,551 |
¥25,459,551 |
| 45 |
2.70% |
¥116,840 |
¥63,093,558 |
¥26,593,558 |
| 45 |
2.80% |
¥118,960 |
¥64,238,183 |
¥27,738,183 |
| 45 |
2.90% |
¥121,099 |
¥65,393,309 |
¥28,893,309 |
| 45 |
3.00% |
¥123,257 |
¥66,558,819 |
¥30,058,819 |
3650万円｜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% |
¥87,206 |
¥41,858,731 |
¥5,358,731 |
| 40 |
0.80% |
¥88,881 |
¥42,662,998 |
¥6,162,998 |
| 40 |
0.90% |
¥90,577 |
¥43,476,890 |
¥6,976,890 |
| 40 |
1.00% |
¥92,292 |
¥44,300,379 |
¥7,800,379 |
| 40 |
1.10% |
¥94,028 |
¥45,133,435 |
¥8,633,435 |
| 40 |
1.20% |
¥95,783 |
¥45,976,024 |
¥9,476,024 |
| 40 |
1.30% |
¥97,559 |
¥46,828,112 |
¥10,328,112 |
| 40 |
1.40% |
¥99,353 |
¥47,689,658 |
¥11,189,658 |
| 40 |
1.50% |
¥101,168 |
¥48,560,622 |
¥12,060,622 |
| 40 |
1.60% |
¥103,002 |
¥49,440,958 |
¥12,940,958 |
| 40 |
1.70% |
¥104,855 |
¥50,330,621 |
¥13,830,621 |
| 40 |
1.80% |
¥106,728 |
¥51,229,559 |
¥14,729,559 |
| 40 |
1.90% |
¥108,620 |
¥52,137,721 |
¥15,637,721 |
| 40 |
2.00% |
¥110,531 |
¥53,055,052 |
¥16,555,052 |
| 40 |
2.10% |
¥112,461 |
¥53,981,494 |
¥17,481,494 |
| 40 |
2.20% |
¥114,410 |
¥54,916,988 |
¥18,416,988 |
| 40 |
2.30% |
¥116,378 |
¥55,861,471 |
¥19,361,471 |
| 40 |
2.40% |
¥118,364 |
¥56,814,879 |
¥20,314,879 |
| 40 |
2.50% |
¥120,369 |
¥57,777,145 |
¥21,277,145 |
| 40 |
2.60% |
¥122,392 |
¥58,748,201 |
¥22,248,201 |
| 40 |
2.70% |
¥124,433 |
¥59,727,976 |
¥23,227,976 |
| 40 |
2.80% |
¥126,492 |
¥60,716,395 |
¥24,216,395 |
| 40 |
2.90% |
¥128,570 |
¥61,713,386 |
¥25,213,386 |
| 40 |
3.00% |
¥130,664 |
¥62,718,871 |
¥26,218,871 |
3650万円｜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% |
¥98,010 |
¥41,164,235 |
¥4,664,235 |
| 35 |
0.80% |
¥99,667 |
¥41,860,242 |
¥5,360,242 |
| 35 |
0.90% |
¥101,342 |
¥42,563,635 |
¥6,063,635 |
| 35 |
1.00% |
¥103,034 |
¥43,274,398 |
¥6,774,398 |
| 35 |
1.10% |
¥104,744 |
¥43,992,513 |
¥7,492,513 |
| 35 |
1.20% |
¥106,471 |
¥44,717,960 |
¥8,217,960 |
| 35 |
1.30% |
¥108,216 |
¥45,450,719 |
¥8,950,719 |
| 35 |
1.40% |
¥109,978 |
¥46,190,765 |
¥9,690,765 |
| 35 |
1.50% |
¥111,757 |
¥46,938,075 |
¥10,438,075 |
| 35 |
1.60% |
¥113,554 |
¥47,692,620 |
¥11,192,620 |
| 35 |
1.70% |
¥115,368 |
¥48,454,375 |
¥11,954,375 |
| 35 |
1.80% |
¥117,198 |
¥49,223,308 |
¥12,723,308 |
| 35 |
1.90% |
¥119,046 |
¥49,999,388 |
¥13,499,388 |
| 35 |
2.00% |
¥120,911 |
¥50,782,583 |
¥14,282,583 |
| 35 |
2.10% |
¥122,793 |
¥51,572,857 |
¥15,072,857 |
| 35 |
2.20% |
¥124,691 |
¥52,370,176 |
¥15,870,176 |
| 35 |
2.30% |
¥126,606 |
¥53,174,502 |
¥16,674,502 |
| 35 |
2.40% |
¥128,538 |
¥53,985,795 |
¥17,485,795 |
| 35 |
2.50% |
¥130,486 |
¥54,804,017 |
¥18,304,017 |
| 35 |
2.60% |
¥132,450 |
¥55,629,124 |
¥19,129,124 |
| 35 |
2.70% |
¥134,431 |
¥56,461,074 |
¥19,961,074 |
| 35 |
2.80% |
¥136,428 |
¥57,299,823 |
¥20,799,823 |
| 35 |
2.90% |
¥138,441 |
¥58,145,325 |
¥21,645,325 |
| 35 |
3.00% |
¥140,470 |
¥58,997,534 |
¥22,497,534 |
3650万円｜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% |
¥112,437 |
¥40,477,145 |
¥3,977,145 |
| 30 |
0.80% |
¥114,075 |
¥41,067,139 |
¥4,567,139 |
| 30 |
0.90% |
¥115,729 |
¥41,662,572 |
¥5,162,572 |
| 30 |
1.00% |
¥117,398 |
¥42,263,433 |
¥5,763,433 |
| 30 |
1.10% |
¥119,083 |
¥42,869,714 |
¥6,369,714 |
| 30 |
1.20% |
¥120,782 |
¥43,481,402 |
¥6,981,402 |
| 30 |
1.30% |
¥122,496 |
¥44,098,488 |
¥7,598,488 |
| 30 |
1.40% |
¥124,225 |
¥44,720,957 |
¥8,220,957 |
| 30 |
1.50% |
¥125,969 |
¥45,348,796 |
¥8,848,796 |
| 30 |
1.60% |
¥127,728 |
¥45,981,990 |
¥9,481,990 |
| 30 |
1.70% |
¥129,501 |
¥46,620,524 |
¥10,120,524 |
| 30 |
1.80% |
¥131,290 |
¥47,264,382 |
¥10,764,382 |
| 30 |
1.90% |
¥133,093 |
¥47,913,546 |
¥11,413,546 |
| 30 |
2.00% |
¥134,911 |
¥48,567,999 |
¥12,067,999 |
| 30 |
2.10% |
¥136,744 |
¥49,227,720 |
¥12,727,720 |
| 30 |
2.20% |
¥138,591 |
¥49,892,691 |
¥13,392,691 |
| 30 |
2.30% |
¥140,452 |
¥50,562,890 |
¥14,062,890 |
| 30 |
2.40% |
¥142,329 |
¥51,238,296 |
¥14,738,296 |
| 30 |
2.50% |
¥144,219 |
¥51,918,886 |
¥15,418,886 |
| 30 |
2.60% |
¥146,124 |
¥52,604,638 |
¥16,104,638 |
| 30 |
2.70% |
¥148,043 |
¥53,295,528 |
¥16,795,528 |
| 30 |
2.80% |
¥149,976 |
¥53,991,530 |
¥17,491,530 |
| 30 |
2.90% |
¥151,924 |
¥54,692,619 |
¥18,192,619 |
| 30 |
3.00% |
¥153,885 |
¥55,398,770 |
¥18,898,770 |
3650万円｜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% |
¥132,658 |
¥39,797,471 |
¥3,297,471 |
| 25 |
0.80% |
¥134,279 |
¥40,283,710 |
¥3,783,710 |
| 25 |
0.90% |
¥135,912 |
¥40,773,733 |
¥4,273,733 |
| 25 |
1.00% |
¥137,558 |
¥41,267,534 |
¥4,767,534 |
| 25 |
1.10% |
¥139,217 |
¥41,765,108 |
¥5,265,108 |
| 25 |
1.20% |
¥140,888 |
¥42,266,451 |
¥5,766,451 |
| 25 |
1.30% |
¥142,572 |
¥42,771,556 |
¥6,271,556 |
| 25 |
1.40% |
¥144,268 |
¥43,280,417 |
¥6,780,417 |
| 25 |
1.50% |
¥145,977 |
¥43,793,028 |
¥7,293,028 |
| 25 |
1.60% |
¥147,698 |
¥44,309,380 |
¥7,809,380 |
| 25 |
1.70% |
¥149,432 |
¥44,829,467 |
¥8,329,467 |
| 25 |
1.80% |
¥151,178 |
¥45,353,280 |
¥8,853,280 |
| 25 |
1.90% |
¥152,936 |
¥45,880,811 |
¥9,380,811 |
| 25 |
2.00% |
¥154,707 |
¥46,412,050 |
¥9,912,050 |
| 25 |
2.10% |
¥156,490 |
¥46,946,989 |
¥10,446,989 |
| 25 |
2.20% |
¥158,285 |
¥47,485,617 |
¥10,985,617 |
| 25 |
2.30% |
¥160,093 |
¥48,027,924 |
¥11,527,924 |
| 25 |
2.40% |
¥161,913 |
¥48,573,900 |
¥12,073,900 |
| 25 |
2.50% |
¥163,745 |
¥49,123,532 |
¥12,623,532 |
| 25 |
2.60% |
¥165,589 |
¥49,676,811 |
¥13,176,811 |
| 25 |
2.70% |
¥167,446 |
¥50,233,724 |
¥13,733,724 |
| 25 |
2.80% |
¥169,314 |
¥50,794,258 |
¥14,294,258 |
| 25 |
2.90% |
¥171,195 |
¥51,358,400 |
¥14,858,400 |
| 25 |
3.00% |
¥173,087 |
¥51,926,139 |
¥15,426,139 |
3650万円｜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% |
¥163,022 |
¥39,125,225 |
¥2,625,225 |
| 20 |
0.80% |
¥164,625 |
¥39,509,973 |
¥3,009,973 |
| 20 |
0.90% |
¥166,238 |
¥39,897,146 |
¥3,397,146 |
| 20 |
1.00% |
¥167,861 |
¥40,286,741 |
¥3,786,741 |
| 20 |
1.10% |
¥169,495 |
¥40,678,757 |
¥4,178,757 |
| 20 |
1.20% |
¥171,138 |
¥41,073,192 |
¥4,573,192 |
| 20 |
1.30% |
¥172,792 |
¥41,470,042 |
¥4,970,042 |
| 20 |
1.40% |
¥174,455 |
¥41,869,305 |
¥5,369,305 |
| 20 |
1.50% |
¥176,129 |
¥42,270,978 |
¥5,770,978 |
| 20 |
1.60% |
¥177,813 |
¥42,675,058 |
¥6,175,058 |
| 20 |
1.70% |
¥179,506 |
¥43,081,542 |
¥6,581,542 |
| 20 |
1.80% |
¥181,210 |
¥43,490,426 |
¥6,990,426 |
| 20 |
1.90% |
¥182,924 |
¥43,901,707 |
¥7,401,707 |
| 20 |
2.00% |
¥184,647 |
¥44,315,380 |
¥7,815,380 |
| 20 |
2.10% |
¥186,381 |
¥44,731,443 |
¥8,231,443 |
| 20 |
2.20% |
¥188,125 |
¥45,149,889 |
¥8,649,889 |
| 20 |
2.30% |
¥189,878 |
¥45,570,717 |
¥9,070,717 |
| 20 |
2.40% |
¥191,641 |
¥45,993,920 |
¥9,493,920 |
| 20 |
2.50% |
¥193,415 |
¥46,419,493 |
¥9,919,493 |
| 20 |
2.60% |
¥195,198 |
¥46,847,433 |
¥10,347,433 |
| 20 |
2.70% |
¥196,991 |
¥47,277,734 |
¥10,777,734 |
| 20 |
2.80% |
¥198,793 |
¥47,710,391 |
¥11,210,391 |
| 20 |
2.90% |
¥200,606 |
¥48,145,398 |
¥11,645,398 |
| 20 |
3.00% |
¥202,428 |
¥48,582,750 |
¥12,082,750 |
3650万円｜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% |
¥213,669 |
¥38,460,413 |
¥1,960,413 |
| 15 |
0.80% |
¥215,255 |
¥38,745,940 |
¥2,245,940 |
| 15 |
0.90% |
¥216,849 |
¥39,032,833 |
¥2,532,833 |
| 15 |
1.00% |
¥218,450 |
¥39,321,090 |
¥2,821,090 |
| 15 |
1.10% |
¥220,060 |
¥39,610,711 |
¥3,110,711 |
| 15 |
1.20% |
¥221,676 |
¥39,901,695 |
¥3,401,695 |
| 15 |
1.30% |
¥223,300 |
¥40,194,041 |
¥3,694,041 |
| 15 |
1.40% |
¥224,932 |
¥40,487,749 |
¥3,987,749 |
| 15 |
1.50% |
¥226,571 |
¥40,782,816 |
¥4,282,816 |
| 15 |
1.60% |
¥228,218 |
¥41,079,244 |
¥4,579,244 |
| 15 |
1.70% |
¥229,872 |
¥41,377,029 |
¥4,877,029 |
| 15 |
1.80% |
¥231,534 |
¥41,676,171 |
¥5,176,171 |
| 15 |
1.90% |
¥233,204 |
¥41,976,669 |
¥5,476,669 |
| 15 |
2.00% |
¥234,881 |
¥42,278,522 |
¥5,778,522 |
| 15 |
2.10% |
¥236,565 |
¥42,581,727 |
¥6,081,727 |
| 15 |
2.20% |
¥238,257 |
¥42,886,284 |
¥6,386,284 |
| 15 |
2.30% |
¥239,957 |
¥43,192,192 |
¥6,692,192 |
| 15 |
2.40% |
¥241,664 |
¥43,499,448 |
¥6,999,448 |
| 15 |
2.50% |
¥243,378 |
¥43,808,051 |
¥7,308,051 |
| 15 |
2.60% |
¥245,100 |
¥44,118,000 |
¥7,618,000 |
| 15 |
2.70% |
¥246,829 |
¥44,429,292 |
¥7,929,292 |
| 15 |
2.80% |
¥248,566 |
¥44,741,926 |
¥8,241,926 |
| 15 |
2.90% |
¥250,311 |
¥45,055,901 |
¥8,555,901 |
| 15 |
3.00% |
¥252,062 |
¥45,371,214 |
¥8,871,214 |
3650万円｜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% |
¥315,025 |
¥37,803,043 |
¥1,303,043 |
| 10 |
0.80% |
¥316,597 |
¥37,991,623 |
¥1,491,623 |
| 10 |
0.90% |
¥318,173 |
¥38,180,811 |
¥1,680,811 |
| 10 |
1.00% |
¥319,755 |
¥38,370,605 |
¥1,870,605 |
| 10 |
1.10% |
¥321,342 |
¥38,561,007 |
¥2,061,007 |
| 10 |
1.20% |
¥322,933 |
¥38,752,015 |
¥2,252,015 |
| 10 |
1.30% |
¥324,530 |
¥38,943,629 |
¥2,443,629 |
| 10 |
1.40% |
¥326,132 |
¥39,135,850 |
¥2,635,850 |
| 10 |
1.50% |
¥327,739 |
¥39,328,677 |
¥2,828,677 |
| 10 |
1.60% |
¥329,351 |
¥39,522,110 |
¥3,022,110 |
| 10 |
1.70% |
¥330,968 |
¥39,716,148 |
¥3,216,148 |
| 10 |
1.80% |
¥332,590 |
¥39,910,791 |
¥3,410,791 |
| 10 |
1.90% |
¥334,217 |
¥40,106,040 |
¥3,606,040 |
| 10 |
2.00% |
¥335,849 |
¥40,301,893 |
¥3,801,893 |
| 10 |
2.10% |
¥337,486 |
¥40,498,350 |
¥3,998,350 |
| 10 |
2.20% |
¥339,128 |
¥40,695,412 |
¥4,195,412 |
| 10 |
2.30% |
¥340,776 |
¥40,893,077 |
¥4,393,077 |
| 10 |
2.40% |
¥342,428 |
¥41,091,345 |
¥4,591,345 |
| 10 |
2.50% |
¥344,085 |
¥41,290,217 |
¥4,790,217 |
| 10 |
2.60% |
¥345,747 |
¥41,489,691 |
¥4,989,691 |
| 10 |
2.70% |
¥347,415 |
¥41,689,767 |
¥5,189,767 |
| 10 |
2.80% |
¥349,087 |
¥41,890,446 |
¥5,390,446 |
| 10 |
2.90% |
¥350,764 |
¥42,091,725 |
¥5,591,725 |
| 10 |
3.00% |
¥352,447 |
¥42,293,606 |
¥5,793,606 |
