3800万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。3800万円の住宅ローンが、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。
3800万円の住宅ローン｜期間・年数別
3800万円｜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% | ¥75,080 | ¥45,048,097 | ¥7,048,097 |
| 50 | 0.80% | ¥76,863 | ¥46,117,818 | ¥8,117,818 |
| 50 | 0.90% | ¥78,672 | ¥47,203,106 | ¥9,203,106 |
| 50 | 1.00% | ¥80,506 | ¥48,303,893 | ¥10,303,893 |
| 50 | 1.10% | ¥82,367 | ¥49,420,103 | ¥11,420,103 |
| 50 | 1.20% | ¥84,253 | ¥50,551,655 | ¥12,551,655 |
| 50 | 1.30% | ¥86,164 | ¥51,698,460 | ¥13,698,460 |
| 50 | 1.40% | ¥88,101 | ¥52,860,420 | ¥14,860,420 |
| 50 | 1.50% | ¥90,062 | ¥54,037,435 | ¥16,037,435 |
| 50 | 1.60% | ¥92,049 | ¥55,229,393 | ¥17,229,393 |
| 50 | 1.70% | ¥94,060 | ¥56,436,180 | ¥18,436,180 |
| 50 | 1.80% | ¥96,096 | ¥57,657,673 | ¥19,657,673 |
| 50 | 1.90% | ¥98,156 | ¥58,893,746 | ¥20,893,746 |
| 50 | 2.00% | ¥100,240 | ¥60,144,263 | ¥22,144,263 |
| 50 | 2.10% | ¥102,348 | ¥61,409,087 | ¥23,409,087 |
| 50 | 2.20% | ¥104,480 | ¥62,688,072 | ¥24,688,072 |
| 50 | 2.30% | ¥106,635 | ¥63,981,070 | ¥25,981,070 |
| 50 | 2.40% | ¥108,813 | ¥65,287,925 | ¥27,287,925 |
| 50 | 2.50% | ¥111,014 | ¥66,608,479 | ¥28,608,479 |
| 50 | 2.60% | ¥113,238 | ¥67,942,568 | ¥29,942,568 |
| 50 | 2.70% | ¥115,483 | ¥69,290,025 | ¥31,290,025 |
| 50 | 2.80% | ¥117,751 | ¥70,650,678 | ¥32,650,678 |
| 50 | 2.90% | ¥120,041 | ¥72,024,352 | ¥34,024,352 |
| 50 | 3.00% | ¥122,351 | ¥73,410,870 | ¥35,410,870 |
3800万円｜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% | ¥82,055 | ¥44,309,685 | ¥6,309,685 |
| 45 | 0.80% | ¥83,819 | ¥45,262,046 | ¥7,262,046 |
| 45 | 0.90% | ¥85,606 | ¥46,227,053 | ¥8,227,053 |
| 45 | 1.00% | ¥87,416 | ¥47,204,663 | ¥9,204,663 |
| 45 | 1.10% | ¥89,250 | ¥48,194,825 | ¥10,194,825 |
| 45 | 1.20% | ¥91,106 | ¥49,197,485 | ¥11,197,485 |
| 45 | 1.30% | ¥92,986 | ¥50,212,584 | ¥12,212,584 |
| 45 | 1.40% | ¥94,889 | ¥51,240,058 | ¥13,240,058 |
| 45 | 1.50% | ¥96,815 | ¥52,279,838 | ¥14,279,838 |
| 45 | 1.60% | ¥98,763 | ¥53,331,851 | ¥15,331,851 |
| 45 | 1.70% | ¥100,733 | ¥54,396,021 | ¥16,396,021 |
| 45 | 1.80% | ¥102,726 | ¥55,472,266 | ¥17,472,266 |
| 45 | 1.90% | ¥104,742 | ¥56,560,500 | ¥18,560,500 |
| 45 | 2.00% | ¥106,779 | ¥57,660,634 | ¥19,660,634 |
| 45 | 2.10% | ¥108,838 | ¥58,772,573 | ¥20,772,573 |
| 45 | 2.20% | ¥110,919 | ¥59,896,222 | ¥21,896,222 |
| 45 | 2.30% | ¥113,021 | ¥61,031,478 | ¥23,031,478 |
| 45 | 2.40% | ¥115,145 | ¥62,178,238 | ¥24,178,238 |
| 45 | 2.50% | ¥117,290 | ¥63,336,394 | ¥25,336,394 |
| 45 | 2.60% | ¥119,455 | ¥64,505,834 | ¥26,505,834 |
| 45 | 2.70% | ¥121,642 | ¥65,686,444 | ¥27,686,444 |
| 45 | 2.80% | ¥123,848 | ¥66,878,108 | ¥28,878,108 |
| 45 | 2.90% | ¥126,075 | ¥68,080,705 | ¥30,080,705 |
| 45 | 3.00% | ¥128,322 | ¥69,294,113 | ¥31,294,113 |
3800万円｜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% | ¥90,789 | ¥43,578,953 | ¥5,578,953 |
| 40 | 0.80% | ¥92,534 | ¥44,416,272 | ¥6,416,272 |
| 40 | 0.90% | ¥94,299 | ¥45,263,612 | ¥7,263,612 |
| 40 | 1.00% | ¥96,085 | ¥46,120,943 | ¥8,120,943 |
| 40 | 1.10% | ¥97,892 | ¥46,988,233 | ¥8,988,233 |
| 40 | 1.20% | ¥99,720 | ¥47,865,450 | ¥9,865,450 |
| 40 | 1.30% | ¥101,568 | ¥48,752,555 | ¥10,752,555 |
| 40 | 1.40% | ¥103,436 | ¥49,649,507 | ¥11,649,507 |
| 40 | 1.50% | ¥105,326 | ¥50,556,264 | ¥12,556,264 |
| 40 | 1.60% | ¥107,235 | ¥51,472,779 | ¥13,472,779 |
| 40 | 1.70% | ¥109,165 | ¥52,399,002 | ¥14,399,002 |
| 40 | 1.80% | ¥111,114 | ¥53,334,884 | ¥15,334,884 |
| 40 | 1.90% | ¥113,084 | ¥54,280,367 | ¥16,280,367 |
| 40 | 2.00% | ¥115,074 | ¥55,235,397 | ¥17,235,397 |
| 40 | 2.10% | ¥117,083 | ¥56,199,912 | ¥18,199,912 |
| 40 | 2.20% | ¥119,112 | ¥57,173,850 | ¥19,173,850 |
| 40 | 2.30% | ¥121,161 | ¥58,157,148 | ¥20,157,148 |
| 40 | 2.40% | ¥123,229 | ¥59,149,737 | ¥21,149,737 |
| 40 | 2.50% | ¥125,316 | ¥60,151,549 | ¥22,151,549 |
| 40 | 2.60% | ¥127,422 | ¥61,162,511 | ¥23,162,511 |
| 40 | 2.70% | ¥129,547 | ¥62,182,550 | ¥24,182,550 |
| 40 | 2.80% | ¥131,691 | ¥63,211,590 | ¥25,211,590 |
| 40 | 2.90% | ¥133,853 | ¥64,249,553 | ¥26,249,553 |
| 40 | 3.00% | ¥136,034 | ¥65,296,359 | ¥27,296,359 |
3800万円｜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% | ¥102,038 | ¥42,855,916 | ¥4,855,916 |
| 35 | 0.80% | ¥103,763 | ¥43,580,526 | ¥5,580,526 |
| 35 | 0.90% | ¥105,507 | ¥44,312,825 | ¥6,312,825 |
| 35 | 1.00% | ¥107,269 | ¥45,052,798 | ¥7,052,798 |
| 35 | 1.10% | ¥109,049 | ¥45,800,424 | ¥7,800,424 |
| 35 | 1.20% | ¥110,847 | ¥46,555,685 | ¥8,555,685 |
| 35 | 1.30% | ¥112,663 | ¥47,318,557 | ¥9,318,557 |
| 35 | 1.40% | ¥114,498 | ¥48,089,016 | ¥10,089,016 |
| 35 | 1.50% | ¥116,350 | ¥48,867,037 | ¥10,867,037 |
| 35 | 1.60% | ¥118,220 | ¥49,652,591 | ¥11,652,591 |
| 35 | 1.70% | ¥120,109 | ¥50,445,650 | ¥12,445,650 |
| 35 | 1.80% | ¥122,015 | ¥51,246,183 | ¥13,246,183 |
| 35 | 1.90% | ¥123,938 | ¥52,054,157 | ¥14,054,157 |
| 35 | 2.00% | ¥125,880 | ¥52,869,538 | ¥14,869,538 |
| 35 | 2.10% | ¥127,839 | ¥53,692,290 | ¥15,692,290 |
| 35 | 2.20% | ¥129,815 | ¥54,522,375 | ¥16,522,375 |
| 35 | 2.30% | ¥131,809 | ¥55,359,755 | ¥17,359,755 |
| 35 | 2.40% | ¥133,820 | ¥56,204,390 | ¥18,204,390 |
| 35 | 2.50% | ¥135,848 | ¥57,056,236 | ¥19,056,236 |
| 35 | 2.60% | ¥137,893 | ¥57,915,252 | ¥19,915,252 |
| 35 | 2.70% | ¥139,956 | ¥58,781,392 | ¥20,781,392 |
| 35 | 2.80% | ¥142,035 | ¥59,654,610 | ¥21,654,610 |
| 35 | 2.90% | ¥144,131 | ¥60,534,859 | ¥22,534,859 |
| 35 | 3.00% | ¥146,243 | ¥61,422,090 | ¥23,422,090 |
3800万円｜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% | ¥117,057 | ¥42,140,589 | ¥4,140,589 |
| 30 | 0.80% | ¥118,763 | ¥42,754,830 | ¥4,754,830 |
| 30 | 0.90% | ¥120,485 | ¥43,374,732 | ¥5,374,732 |
| 30 | 1.00% | ¥122,223 | ¥44,000,286 | ¥6,000,286 |
| 30 | 1.10% | ¥123,976 | ¥44,631,483 | ¥6,631,483 |
| 30 | 1.20% | ¥125,745 | ¥45,268,309 | ¥7,268,309 |
| 30 | 1.30% | ¥127,530 | ¥45,910,754 | ¥7,910,754 |
| 30 | 1.40% | ¥129,330 | ¥46,558,804 | ¥8,558,804 |
| 30 | 1.50% | ¥131,146 | ¥47,212,445 | ¥9,212,445 |
| 30 | 1.60% | ¥132,977 | ¥47,871,661 | ¥9,871,661 |
| 30 | 1.70% | ¥134,823 | ¥48,536,436 | ¥10,536,436 |
| 30 | 1.80% | ¥136,685 | ¥49,206,754 | ¥11,206,754 |
| 30 | 1.90% | ¥138,563 | ¥49,882,596 | ¥11,882,596 |
| 30 | 2.00% | ¥140,455 | ¥50,563,944 | ¥12,563,944 |
| 30 | 2.10% | ¥142,363 | ¥51,250,777 | ¥13,250,777 |
| 30 | 2.20% | ¥144,286 | ¥51,943,075 | ¥13,943,075 |
| 30 | 2.30% | ¥146,224 | ¥52,640,817 | ¥14,640,817 |
| 30 | 2.40% | ¥148,178 | ¥53,343,979 | ¥15,343,979 |
| 30 | 2.50% | ¥150,146 | ¥54,052,539 | ¥16,052,539 |
| 30 | 2.60% | ¥152,129 | ¥54,766,473 | ¥16,766,473 |
| 30 | 2.70% | ¥154,127 | ¥55,485,755 | ¥17,485,755 |
| 30 | 2.80% | ¥156,140 | ¥56,210,360 | ¥18,210,360 |
| 30 | 2.90% | ¥158,167 | ¥56,940,261 | ¥18,940,261 |
| 30 | 3.00% | ¥160,210 | ¥57,675,432 | ¥19,675,432 |
3800万円｜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% | ¥138,110 | ¥41,432,984 | ¥3,432,984 |
| 25 | 0.80% | ¥139,797 | ¥41,939,205 | ¥3,939,205 |
| 25 | 0.90% | ¥141,498 | ¥42,449,366 | ¥4,449,366 |
| 25 | 1.00% | ¥143,212 | ¥42,963,460 | ¥4,963,460 |
| 25 | 1.10% | ¥144,938 | ¥43,481,483 | ¥5,481,483 |
| 25 | 1.20% | ¥146,678 | ¥44,003,428 | ¥6,003,428 |
| 25 | 1.30% | ¥148,431 | ¥44,529,291 | ¥6,529,291 |
| 25 | 1.40% | ¥150,197 | ¥45,059,065 | ¥7,059,065 |
| 25 | 1.50% | ¥151,976 | ¥45,592,741 | ¥7,592,741 |
| 25 | 1.60% | ¥153,768 | ¥46,130,314 | ¥8,130,314 |
| 25 | 1.70% | ¥155,573 | ¥46,671,774 | ¥8,671,774 |
| 25 | 1.80% | ¥157,390 | ¥47,217,113 | ¥9,217,113 |
| 25 | 1.90% | ¥159,221 | ¥47,766,323 | ¥9,766,323 |
| 25 | 2.00% | ¥161,065 | ¥48,319,395 | ¥10,319,395 |
| 25 | 2.10% | ¥162,921 | ¥48,876,317 | ¥10,876,317 |
| 25 | 2.20% | ¥164,790 | ¥49,437,080 | ¥11,437,080 |
| 25 | 2.30% | ¥166,672 | ¥50,001,674 | ¥12,001,674 |
| 25 | 2.40% | ¥168,567 | ¥50,570,087 | ¥12,570,087 |
| 25 | 2.50% | ¥170,474 | ¥51,142,308 | ¥13,142,308 |
| 25 | 2.60% | ¥172,394 | ¥51,718,324 | ¥13,718,324 |
| 25 | 2.70% | ¥174,327 | ¥52,298,123 | ¥14,298,123 |
| 25 | 2.80% | ¥176,272 | ¥52,881,693 | ¥14,881,693 |
| 25 | 2.90% | ¥178,230 | ¥53,469,020 | ¥15,469,020 |
| 25 | 3.00% | ¥180,200 | ¥54,060,090 | ¥16,060,090 |
3800万円｜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% | ¥169,721 | ¥40,733,111 | ¥2,733,111 |
| 20 | 0.80% | ¥171,390 | ¥41,133,670 | ¥3,133,670 |
| 20 | 0.90% | ¥173,070 | ¥41,536,754 | ¥3,536,754 |
| 20 | 1.00% | ¥174,760 | ¥41,942,361 | ¥3,942,361 |
| 20 | 1.10% | ¥176,460 | ¥42,350,487 | ¥4,350,487 |
| 20 | 1.20% | ¥178,171 | ¥42,761,131 | ¥4,761,131 |
| 20 | 1.30% | ¥179,893 | ¥43,174,290 | ¥5,174,290 |
| 20 | 1.40% | ¥181,625 | ¥43,589,961 | ¥5,589,961 |
| 20 | 1.50% | ¥183,367 | ¥44,008,141 | ¥6,008,141 |
| 20 | 1.60% | ¥185,120 | ¥44,428,827 | ¥6,428,827 |
| 20 | 1.70% | ¥186,883 | ¥44,852,016 | ¥6,852,016 |
| 20 | 1.80% | ¥188,657 | ¥45,277,704 | ¥7,277,704 |
| 20 | 1.90% | ¥190,441 | ¥45,705,886 | ¥7,705,886 |
| 20 | 2.00% | ¥192,236 | ¥46,136,560 | ¥8,136,560 |
| 20 | 2.10% | ¥194,041 | ¥46,569,721 | ¥8,569,721 |
| 20 | 2.20% | ¥195,856 | ¥47,005,364 | ¥9,005,364 |
| 20 | 2.30% | ¥197,681 | ¥47,443,486 | ¥9,443,486 |
| 20 | 2.40% | ¥199,517 | ¥47,884,081 | ¥9,884,081 |
| 20 | 2.50% | ¥201,363 | ¥48,327,144 | ¥10,327,144 |
| 20 | 2.60% | ¥203,219 | ¥48,772,670 | ¥10,772,670 |
| 20 | 2.70% | ¥205,086 | ¥49,220,655 | ¥11,220,655 |
| 20 | 2.80% | ¥206,963 | ¥49,671,092 | ¥11,671,092 |
| 20 | 2.90% | ¥208,850 | ¥50,123,976 | ¥12,123,976 |
| 20 | 3.00% | ¥210,747 | ¥50,579,301 | ¥12,579,301 |
3800万円｜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% | ¥222,450 | ¥40,040,978 | ¥2,040,978 |
| 15 | 0.80% | ¥224,101 | ¥40,338,239 | ¥2,338,239 |
| 15 | 0.90% | ¥225,761 | ¥40,636,922 | ¥2,636,922 |
| 15 | 1.00% | ¥227,428 | ¥40,937,025 | ¥2,937,025 |
| 15 | 1.10% | ¥229,103 | ¥41,238,548 | ¥3,238,548 |
| 15 | 1.20% | ¥230,786 | ¥41,541,490 | ¥3,541,490 |
| 15 | 1.30% | ¥232,477 | ¥41,845,851 | ¥3,845,851 |
| 15 | 1.40% | ¥234,176 | ¥42,151,629 | ¥4,151,629 |
| 15 | 1.50% | ¥235,882 | ¥42,458,823 | ¥4,458,823 |
| 15 | 1.60% | ¥237,597 | ¥42,767,432 | ¥4,767,432 |
| 15 | 1.70% | ¥239,319 | ¥43,077,455 | ¥5,077,455 |
| 15 | 1.80% | ¥241,049 | ¥43,388,891 | ¥5,388,891 |
| 15 | 1.90% | ¥242,787 | ¥43,701,738 | ¥5,701,738 |
| 15 | 2.00% | ¥244,533 | ¥44,015,995 | ¥6,015,995 |
| 15 | 2.10% | ¥246,287 | ¥44,331,661 | ¥6,331,661 |
| 15 | 2.20% | ¥248,049 | ¥44,648,734 | ¥6,648,734 |
| 15 | 2.30% | ¥249,818 | ¥44,967,213 | ¥6,967,213 |
| 15 | 2.40% | ¥251,595 | ¥45,287,096 | ¥7,287,096 |
| 15 | 2.50% | ¥253,380 | ¥45,608,382 | ¥7,608,382 |
| 15 | 2.60% | ¥255,173 | ¥45,931,068 | ¥7,931,068 |
| 15 | 2.70% | ¥256,973 | ¥46,255,153 | ¥8,255,153 |
| 15 | 2.80% | ¥258,781 | ¥46,580,636 | ¥8,580,636 |
| 15 | 2.90% | ¥260,597 | ¥46,907,513 | ¥8,907,513 |
| 15 | 3.00% | ¥262,421 | ¥47,235,784 | ¥9,235,784 |
3800万円｜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% | ¥327,972 | ¥39,356,593 | ¥1,356,593 |
| 10 | 0.80% | ¥329,608 | ¥39,552,923 | ¥1,552,923 |
| 10 | 0.90% | ¥331,249 | ¥39,749,885 | ¥1,749,885 |
| 10 | 1.00% | ¥332,896 | ¥39,947,479 | ¥1,947,479 |
| 10 | 1.10% | ¥334,548 | ¥40,145,705 | ¥2,145,705 |
| 10 | 1.20% | ¥336,205 | ¥40,344,563 | ¥2,344,563 |
| 10 | 1.30% | ¥337,867 | ¥40,544,052 | ¥2,544,052 |
| 10 | 1.40% | ¥339,535 | ¥40,744,173 | ¥2,744,173 |
| 10 | 1.50% | ¥341,208 | ¥40,944,924 | ¥2,944,924 |
| 10 | 1.60% | ¥342,886 | ¥41,146,306 | ¥3,146,306 |
| 10 | 1.70% | ¥344,569 | ¥41,348,318 | ¥3,348,318 |
| 10 | 1.80% | ¥346,258 | ¥41,550,961 | ¥3,550,961 |
| 10 | 1.90% | ¥347,952 | ¥41,754,233 | ¥3,754,233 |
| 10 | 2.00% | ¥349,651 | ¥41,958,135 | ¥3,958,135 |
| 10 | 2.10% | ¥351,356 | ¥42,162,666 | ¥4,162,666 |
| 10 | 2.20% | ¥353,065 | ¥42,367,826 | ¥4,367,826 |
| 10 | 2.30% | ¥354,780 | ¥42,573,614 | ¥4,573,614 |
| 10 | 2.40% | ¥356,500 | ¥42,780,031 | ¥4,780,031 |
| 10 | 2.50% | ¥358,226 | ¥42,987,075 | ¥4,987,075 |
| 10 | 2.60% | ¥359,956 | ¥43,194,747 | ¥5,194,747 |
| 10 | 2.70% | ¥361,692 | ¥43,403,046 | ¥5,403,046 |
| 10 | 2.80% | ¥363,433 | ¥43,611,971 | ¥5,611,971 |
| 10 | 2.90% | ¥365,179 | ¥43,821,522 | ¥5,821,522 |
| 10 | 3.00% | ¥366,931 | ¥44,031,700 | ¥6,031,700 |
