3840万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。3840万円の住宅ローンが、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。
3840万円の住宅ローン｜期間・年数別
3840万円｜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% |
¥75,870 |
¥45,522,287 |
¥7,122,287 |
| 50 |
0.80% |
¥77,672 |
¥46,603,269 |
¥8,203,269 |
| 50 |
0.90% |
¥79,500 |
¥47,699,981 |
¥9,299,981 |
| 50 |
1.00% |
¥81,354 |
¥48,812,355 |
¥10,412,355 |
| 50 |
1.10% |
¥83,234 |
¥49,940,315 |
¥11,540,315 |
| 50 |
1.20% |
¥85,140 |
¥51,083,778 |
¥12,683,778 |
| 50 |
1.30% |
¥87,071 |
¥52,242,654 |
¥13,842,654 |
| 50 |
1.40% |
¥89,028 |
¥53,416,846 |
¥15,016,846 |
| 50 |
1.50% |
¥91,010 |
¥54,606,250 |
¥16,206,250 |
| 50 |
1.60% |
¥93,018 |
¥55,810,755 |
¥17,410,755 |
| 50 |
1.70% |
¥95,050 |
¥57,030,245 |
¥18,630,245 |
| 50 |
1.80% |
¥97,108 |
¥58,264,596 |
¥19,864,596 |
| 50 |
1.90% |
¥99,189 |
¥59,513,680 |
¥21,113,680 |
| 50 |
2.00% |
¥101,296 |
¥60,777,361 |
¥22,377,361 |
| 50 |
2.10% |
¥103,426 |
¥62,055,499 |
¥23,655,499 |
| 50 |
2.20% |
¥105,580 |
¥63,347,947 |
¥24,947,947 |
| 50 |
2.30% |
¥107,758 |
¥64,654,555 |
¥26,254,555 |
| 50 |
2.40% |
¥109,959 |
¥65,975,166 |
¥27,575,166 |
| 50 |
2.50% |
¥112,183 |
¥67,309,621 |
¥28,909,621 |
| 50 |
2.60% |
¥114,430 |
¥68,657,753 |
¥30,257,753 |
| 50 |
2.70% |
¥116,699 |
¥70,019,394 |
¥31,619,394 |
| 50 |
2.80% |
¥118,991 |
¥71,394,369 |
¥32,994,369 |
| 50 |
2.90% |
¥121,304 |
¥72,782,503 |
¥34,382,503 |
| 50 |
3.00% |
¥123,639 |
¥74,183,616 |
¥35,783,616 |
3840万円｜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% |
¥82,919 |
¥44,776,103 |
¥6,376,103 |
| 45 |
0.80% |
¥84,701 |
¥45,738,488 |
¥7,338,488 |
| 45 |
0.90% |
¥86,507 |
¥46,713,654 |
¥8,313,654 |
| 45 |
1.00% |
¥88,336 |
¥47,701,554 |
¥9,301,554 |
| 45 |
1.10% |
¥90,189 |
¥48,702,139 |
¥10,302,139 |
| 45 |
1.20% |
¥92,065 |
¥49,715,354 |
¥11,315,354 |
| 45 |
1.30% |
¥93,965 |
¥50,741,138 |
¥12,341,138 |
| 45 |
1.40% |
¥95,888 |
¥51,779,427 |
¥13,379,427 |
| 45 |
1.50% |
¥97,834 |
¥52,830,152 |
¥14,430,152 |
| 45 |
1.60% |
¥99,802 |
¥53,893,239 |
¥15,493,239 |
| 45 |
1.70% |
¥101,794 |
¥54,968,611 |
¥16,568,611 |
| 45 |
1.80% |
¥103,808 |
¥56,056,185 |
¥17,656,185 |
| 45 |
1.90% |
¥105,844 |
¥57,155,874 |
¥18,755,874 |
| 45 |
2.00% |
¥107,903 |
¥58,267,588 |
¥19,867,588 |
| 45 |
2.10% |
¥109,984 |
¥59,391,232 |
¥20,991,232 |
| 45 |
2.20% |
¥112,086 |
¥60,526,708 |
¥22,126,708 |
| 45 |
2.30% |
¥114,211 |
¥61,673,915 |
¥23,273,915 |
| 45 |
2.40% |
¥116,357 |
¥62,832,746 |
¥24,432,746 |
| 45 |
2.50% |
¥118,524 |
¥64,003,092 |
¥25,603,092 |
| 45 |
2.60% |
¥120,713 |
¥65,184,842 |
¥26,784,842 |
| 45 |
2.70% |
¥122,922 |
¥66,377,880 |
¥27,977,880 |
| 45 |
2.80% |
¥125,152 |
¥67,582,088 |
¥29,182,088 |
| 45 |
2.90% |
¥127,402 |
¥68,797,344 |
¥30,397,344 |
| 45 |
3.00% |
¥129,673 |
¥70,023,525 |
¥31,623,525 |
3840万円｜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% |
¥91,745 |
¥44,037,679 |
¥5,637,679 |
| 40 |
0.80% |
¥93,508 |
¥44,883,812 |
¥6,483,812 |
| 40 |
0.90% |
¥95,292 |
¥45,740,071 |
¥7,340,071 |
| 40 |
1.00% |
¥97,097 |
¥46,606,426 |
¥8,206,426 |
| 40 |
1.10% |
¥98,923 |
¥47,482,846 |
¥9,082,846 |
| 40 |
1.20% |
¥100,769 |
¥48,369,297 |
¥9,969,297 |
| 40 |
1.30% |
¥102,637 |
¥49,265,740 |
¥10,865,740 |
| 40 |
1.40% |
¥104,525 |
¥50,172,134 |
¥11,772,134 |
| 40 |
1.50% |
¥106,434 |
¥51,088,435 |
¥12,688,435 |
| 40 |
1.60% |
¥108,364 |
¥52,014,597 |
¥13,614,597 |
| 40 |
1.70% |
¥110,314 |
¥52,950,571 |
¥14,550,571 |
| 40 |
1.80% |
¥112,284 |
¥53,896,303 |
¥15,496,303 |
| 40 |
1.90% |
¥114,274 |
¥54,851,740 |
¥16,451,740 |
| 40 |
2.00% |
¥116,285 |
¥55,816,822 |
¥17,416,822 |
| 40 |
2.10% |
¥118,316 |
¥56,791,490 |
¥18,391,490 |
| 40 |
2.20% |
¥120,366 |
¥57,775,680 |
¥19,375,680 |
| 40 |
2.30% |
¥122,436 |
¥58,769,328 |
¥20,369,328 |
| 40 |
2.40% |
¥124,526 |
¥59,772,366 |
¥21,372,366 |
| 40 |
2.50% |
¥126,635 |
¥60,784,723 |
¥22,384,723 |
| 40 |
2.60% |
¥128,763 |
¥61,806,327 |
¥23,406,327 |
| 40 |
2.70% |
¥130,911 |
¥62,837,103 |
¥24,437,103 |
| 40 |
2.80% |
¥133,077 |
¥63,876,975 |
¥25,476,975 |
| 40 |
2.90% |
¥135,262 |
¥64,925,864 |
¥26,525,864 |
| 40 |
3.00% |
¥137,466 |
¥65,983,689 |
¥27,583,689 |
3840万円｜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% |
¥103,112 |
¥43,307,031 |
¥4,907,031 |
| 35 |
0.80% |
¥104,855 |
¥44,039,268 |
¥5,639,268 |
| 35 |
0.90% |
¥106,617 |
¥44,779,276 |
¥6,379,276 |
| 35 |
1.00% |
¥108,398 |
¥45,527,038 |
¥7,127,038 |
| 35 |
1.10% |
¥110,197 |
¥46,282,534 |
¥7,882,534 |
| 35 |
1.20% |
¥112,014 |
¥47,045,745 |
¥8,645,745 |
| 35 |
1.30% |
¥113,849 |
¥47,816,647 |
¥9,416,647 |
| 35 |
1.40% |
¥115,703 |
¥48,595,216 |
¥10,195,216 |
| 35 |
1.50% |
¥117,575 |
¥49,381,426 |
¥10,981,426 |
| 35 |
1.60% |
¥119,465 |
¥50,175,250 |
¥11,775,250 |
| 35 |
1.70% |
¥121,373 |
¥50,976,657 |
¥12,576,657 |
| 35 |
1.80% |
¥123,299 |
¥51,785,617 |
¥13,385,617 |
| 35 |
1.90% |
¥125,243 |
¥52,602,096 |
¥14,202,096 |
| 35 |
2.00% |
¥127,205 |
¥53,426,059 |
¥15,026,059 |
| 35 |
2.10% |
¥129,184 |
¥54,257,472 |
¥15,857,472 |
| 35 |
2.20% |
¥131,182 |
¥55,096,295 |
¥16,696,295 |
| 35 |
2.30% |
¥133,196 |
¥55,942,490 |
¥17,542,490 |
| 35 |
2.40% |
¥135,229 |
¥56,796,015 |
¥18,396,015 |
| 35 |
2.50% |
¥137,278 |
¥57,656,828 |
¥19,256,828 |
| 35 |
2.60% |
¥139,345 |
¥58,524,886 |
¥20,124,886 |
| 35 |
2.70% |
¥141,429 |
¥59,400,144 |
¥21,000,144 |
| 35 |
2.80% |
¥143,530 |
¥60,282,554 |
¥21,882,554 |
| 35 |
2.90% |
¥145,648 |
¥61,172,068 |
¥22,772,068 |
| 35 |
3.00% |
¥147,782 |
¥62,068,639 |
¥23,668,639 |
3840万円｜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% |
¥118,289 |
¥42,584,174 |
¥4,184,174 |
| 30 |
0.80% |
¥120,014 |
¥43,204,881 |
¥4,804,881 |
| 30 |
0.90% |
¥121,754 |
¥43,831,308 |
¥5,431,308 |
| 30 |
1.00% |
¥123,510 |
¥44,463,447 |
¥6,063,447 |
| 30 |
1.10% |
¥125,281 |
¥45,101,288 |
¥6,701,288 |
| 30 |
1.20% |
¥127,069 |
¥45,744,818 |
¥7,344,818 |
| 30 |
1.30% |
¥128,872 |
¥46,394,025 |
¥7,994,025 |
| 30 |
1.40% |
¥130,691 |
¥47,048,897 |
¥8,648,897 |
| 30 |
1.50% |
¥132,526 |
¥47,709,418 |
¥9,309,418 |
| 30 |
1.60% |
¥134,377 |
¥48,375,573 |
¥9,975,573 |
| 30 |
1.70% |
¥136,243 |
¥49,047,346 |
¥10,647,346 |
| 30 |
1.80% |
¥138,124 |
¥49,724,720 |
¥11,324,720 |
| 30 |
1.90% |
¥140,021 |
¥50,407,676 |
¥12,007,676 |
| 30 |
2.00% |
¥141,934 |
¥51,096,196 |
¥12,696,196 |
| 30 |
2.10% |
¥143,862 |
¥51,790,259 |
¥13,390,259 |
| 30 |
2.20% |
¥145,805 |
¥52,489,844 |
¥14,089,844 |
| 30 |
2.30% |
¥147,764 |
¥53,194,930 |
¥14,794,930 |
| 30 |
2.40% |
¥149,737 |
¥53,905,494 |
¥15,505,494 |
| 30 |
2.50% |
¥151,726 |
¥54,621,513 |
¥16,221,513 |
| 30 |
2.60% |
¥153,730 |
¥55,342,962 |
¥16,942,962 |
| 30 |
2.70% |
¥155,749 |
¥56,069,815 |
¥17,669,815 |
| 30 |
2.80% |
¥157,783 |
¥56,802,048 |
¥18,402,048 |
| 30 |
2.90% |
¥159,832 |
¥57,539,632 |
¥19,139,632 |
| 30 |
3.00% |
¥161,896 |
¥58,282,542 |
¥19,882,542 |
3840万円｜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% |
¥139,564 |
¥41,869,120 |
¥3,469,120 |
| 25 |
0.80% |
¥141,269 |
¥42,380,671 |
¥3,980,671 |
| 25 |
0.90% |
¥142,987 |
¥42,896,201 |
¥4,496,201 |
| 25 |
1.00% |
¥144,719 |
¥43,415,707 |
¥5,015,707 |
| 25 |
1.10% |
¥146,464 |
¥43,939,182 |
¥5,539,182 |
| 25 |
1.20% |
¥148,222 |
¥44,466,622 |
¥6,066,622 |
| 25 |
1.30% |
¥149,993 |
¥44,998,021 |
¥6,598,021 |
| 25 |
1.40% |
¥151,778 |
¥45,533,371 |
¥7,133,371 |
| 25 |
1.50% |
¥153,576 |
¥46,072,665 |
¥7,672,665 |
| 25 |
1.60% |
¥155,386 |
¥46,615,896 |
¥8,215,896 |
| 25 |
1.70% |
¥157,210 |
¥47,163,056 |
¥8,763,056 |
| 25 |
1.80% |
¥159,047 |
¥47,714,136 |
¥9,314,136 |
| 25 |
1.90% |
¥160,897 |
¥48,269,127 |
¥9,869,127 |
| 25 |
2.00% |
¥162,760 |
¥48,828,020 |
¥10,428,020 |
| 25 |
2.10% |
¥164,636 |
¥49,390,805 |
¥10,990,805 |
| 25 |
2.20% |
¥166,525 |
¥49,957,471 |
¥11,557,471 |
| 25 |
2.30% |
¥168,427 |
¥50,528,008 |
¥12,128,008 |
| 25 |
2.40% |
¥170,341 |
¥51,102,404 |
¥12,702,404 |
| 25 |
2.50% |
¥172,269 |
¥51,680,648 |
¥13,280,648 |
| 25 |
2.60% |
¥174,209 |
¥52,262,727 |
¥13,862,727 |
| 25 |
2.70% |
¥176,162 |
¥52,848,630 |
¥14,448,630 |
| 25 |
2.80% |
¥178,128 |
¥53,438,342 |
¥15,038,342 |
| 25 |
2.90% |
¥180,106 |
¥54,031,851 |
¥15,631,851 |
| 25 |
3.00% |
¥182,097 |
¥54,629,143 |
¥16,229,143 |
3840万円｜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% |
¥171,508 |
¥41,161,880 |
¥2,761,880 |
| 20 |
0.80% |
¥173,194 |
¥41,566,656 |
¥3,166,656 |
| 20 |
0.90% |
¥174,892 |
¥41,973,983 |
¥3,573,983 |
| 20 |
1.00% |
¥176,599 |
¥42,383,859 |
¥3,983,859 |
| 20 |
1.10% |
¥178,318 |
¥42,796,282 |
¥4,396,282 |
| 20 |
1.20% |
¥180,047 |
¥43,211,248 |
¥4,811,248 |
| 20 |
1.30% |
¥181,786 |
¥43,628,756 |
¥5,228,756 |
| 20 |
1.40% |
¥183,537 |
¥44,048,803 |
¥5,648,803 |
| 20 |
1.50% |
¥185,297 |
¥44,471,385 |
¥6,071,385 |
| 20 |
1.60% |
¥187,069 |
¥44,896,499 |
¥6,496,499 |
| 20 |
1.70% |
¥188,851 |
¥45,324,143 |
¥6,924,143 |
| 20 |
1.80% |
¥190,643 |
¥45,754,311 |
¥7,354,311 |
| 20 |
1.90% |
¥192,446 |
¥46,187,001 |
¥7,787,001 |
| 20 |
2.00% |
¥194,259 |
¥46,622,208 |
¥8,222,208 |
| 20 |
2.10% |
¥196,083 |
¥47,059,929 |
¥8,659,929 |
| 20 |
2.20% |
¥197,917 |
¥47,500,158 |
¥9,100,158 |
| 20 |
2.30% |
¥199,762 |
¥47,942,891 |
¥9,542,891 |
| 20 |
2.40% |
¥201,617 |
¥48,388,124 |
¥9,988,124 |
| 20 |
2.50% |
¥203,483 |
¥48,835,851 |
¥10,435,851 |
| 20 |
2.60% |
¥205,359 |
¥49,286,067 |
¥10,886,067 |
| 20 |
2.70% |
¥207,245 |
¥49,738,767 |
¥11,338,767 |
| 20 |
2.80% |
¥209,141 |
¥50,193,946 |
¥11,793,946 |
| 20 |
2.90% |
¥211,048 |
¥50,651,597 |
¥12,251,597 |
| 20 |
3.00% |
¥212,965 |
¥51,111,715 |
¥12,711,715 |
3840万円｜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% |
¥224,791 |
¥40,462,462 |
¥2,062,462 |
| 15 |
0.80% |
¥226,460 |
¥40,762,852 |
¥2,362,852 |
| 15 |
0.90% |
¥228,137 |
¥41,064,679 |
¥2,664,679 |
| 15 |
1.00% |
¥229,822 |
¥41,367,941 |
¥2,967,941 |
| 15 |
1.10% |
¥231,515 |
¥41,672,638 |
¥3,272,638 |
| 15 |
1.20% |
¥233,215 |
¥41,978,769 |
¥3,578,769 |
| 15 |
1.30% |
¥234,924 |
¥42,286,333 |
¥3,886,333 |
| 15 |
1.40% |
¥236,641 |
¥42,595,330 |
¥4,195,330 |
| 15 |
1.50% |
¥238,365 |
¥42,905,758 |
¥4,505,758 |
| 15 |
1.60% |
¥240,098 |
¥43,217,615 |
¥4,817,615 |
| 15 |
1.70% |
¥241,838 |
¥43,530,902 |
¥5,130,902 |
| 15 |
1.80% |
¥243,587 |
¥43,845,616 |
¥5,445,616 |
| 15 |
1.90% |
¥245,343 |
¥44,161,756 |
¥5,761,756 |
| 15 |
2.00% |
¥247,107 |
¥44,479,321 |
¥6,079,321 |
| 15 |
2.10% |
¥248,880 |
¥44,798,310 |
¥6,398,310 |
| 15 |
2.20% |
¥250,660 |
¥45,118,721 |
¥6,718,721 |
| 15 |
2.30% |
¥252,448 |
¥45,440,552 |
¥7,040,552 |
| 15 |
2.40% |
¥254,243 |
¥45,763,803 |
¥7,363,803 |
| 15 |
2.50% |
¥256,047 |
¥46,088,470 |
¥7,688,470 |
| 15 |
2.60% |
¥257,859 |
¥46,414,553 |
¥8,014,553 |
| 15 |
2.70% |
¥259,678 |
¥46,742,050 |
¥8,342,050 |
| 15 |
2.80% |
¥261,505 |
¥47,070,958 |
¥8,670,958 |
| 15 |
2.90% |
¥263,340 |
¥47,401,277 |
¥9,001,277 |
| 15 |
3.00% |
¥265,183 |
¥47,733,003 |
¥9,333,003 |
3840万円｜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% |
¥331,424 |
¥39,770,873 |
¥1,370,873 |
| 10 |
0.80% |
¥333,077 |
¥39,969,270 |
¥1,569,270 |
| 10 |
0.90% |
¥334,736 |
¥40,168,305 |
¥1,768,305 |
| 10 |
1.00% |
¥336,400 |
¥40,367,979 |
¥1,967,979 |
| 10 |
1.10% |
¥338,069 |
¥40,568,292 |
¥2,168,292 |
| 10 |
1.20% |
¥339,744 |
¥40,769,243 |
¥2,369,243 |
| 10 |
1.30% |
¥341,424 |
¥40,970,832 |
¥2,570,832 |
| 10 |
1.40% |
¥343,109 |
¥41,173,059 |
¥2,773,059 |
| 10 |
1.50% |
¥344,799 |
¥41,375,923 |
¥2,975,923 |
| 10 |
1.60% |
¥346,495 |
¥41,579,425 |
¥3,179,425 |
| 10 |
1.70% |
¥348,196 |
¥41,783,564 |
¥3,383,564 |
| 10 |
1.80% |
¥349,903 |
¥41,988,339 |
¥3,588,339 |
| 10 |
1.90% |
¥351,615 |
¥42,193,751 |
¥3,793,751 |
| 10 |
2.00% |
¥353,332 |
¥42,399,800 |
¥3,999,800 |
| 10 |
2.10% |
¥355,054 |
¥42,606,484 |
¥4,206,484 |
| 10 |
2.20% |
¥356,782 |
¥42,813,803 |
¥4,413,803 |
| 10 |
2.30% |
¥358,515 |
¥43,021,758 |
¥4,621,758 |
| 10 |
2.40% |
¥360,253 |
¥43,230,347 |
¥4,830,347 |
| 10 |
2.50% |
¥361,996 |
¥43,439,571 |
¥5,039,571 |
| 10 |
2.60% |
¥363,745 |
¥43,649,428 |
¥5,249,428 |
| 10 |
2.70% |
¥365,499 |
¥43,859,920 |
¥5,459,920 |
| 10 |
2.80% |
¥367,259 |
¥44,071,044 |
¥5,671,044 |
| 10 |
2.90% |
¥369,023 |
¥44,282,802 |
¥5,882,802 |
| 10 |
3.00% |
¥370,793 |
¥44,495,191 |
¥6,095,191 |
