3850万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。3850万円の住宅ローンが、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。
3850万円の住宅ローン｜期間・年数別
3850万円｜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% |
¥76,068 |
¥45,640,835 |
¥7,140,835 |
| 50 |
0.80% |
¥77,874 |
¥46,724,632 |
¥8,224,632 |
| 50 |
0.90% |
¥79,707 |
¥47,824,200 |
¥9,324,200 |
| 50 |
1.00% |
¥81,566 |
¥48,939,471 |
¥10,439,471 |
| 50 |
1.10% |
¥83,451 |
¥50,070,368 |
¥11,570,368 |
| 50 |
1.20% |
¥85,361 |
¥51,216,809 |
¥12,716,809 |
| 50 |
1.30% |
¥87,298 |
¥52,378,703 |
¥13,878,703 |
| 50 |
1.40% |
¥89,260 |
¥53,555,952 |
¥15,055,952 |
| 50 |
1.50% |
¥91,247 |
¥54,748,453 |
¥16,248,453 |
| 50 |
1.60% |
¥93,260 |
¥55,956,096 |
¥17,456,096 |
| 50 |
1.70% |
¥95,298 |
¥57,178,761 |
¥18,678,761 |
| 50 |
1.80% |
¥97,361 |
¥58,416,327 |
¥19,916,327 |
| 50 |
1.90% |
¥99,448 |
¥59,668,664 |
¥21,168,664 |
| 50 |
2.00% |
¥101,559 |
¥60,935,635 |
¥22,435,635 |
| 50 |
2.10% |
¥103,695 |
¥62,217,101 |
¥23,717,101 |
| 50 |
2.20% |
¥105,855 |
¥63,512,916 |
¥25,012,916 |
| 50 |
2.30% |
¥108,038 |
¥64,822,926 |
¥26,322,926 |
| 50 |
2.40% |
¥110,245 |
¥66,146,977 |
¥27,646,977 |
| 50 |
2.50% |
¥112,475 |
¥67,484,906 |
¥28,984,906 |
| 50 |
2.60% |
¥114,728 |
¥68,836,549 |
¥30,336,549 |
| 50 |
2.70% |
¥117,003 |
¥70,201,736 |
¥31,701,736 |
| 50 |
2.80% |
¥119,300 |
¥71,580,292 |
¥33,080,292 |
| 50 |
2.90% |
¥121,620 |
¥72,972,041 |
¥34,472,041 |
| 50 |
3.00% |
¥123,961 |
¥74,376,802 |
¥35,876,802 |
3850万円｜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% |
¥83,135 |
¥44,892,707 |
¥6,392,707 |
| 45 |
0.80% |
¥84,921 |
¥45,857,599 |
¥7,357,599 |
| 45 |
0.90% |
¥86,732 |
¥46,835,304 |
¥8,335,304 |
| 45 |
1.00% |
¥88,566 |
¥47,825,777 |
¥9,325,777 |
| 45 |
1.10% |
¥90,424 |
¥48,828,968 |
¥10,328,968 |
| 45 |
1.20% |
¥92,305 |
¥49,844,821 |
¥11,344,821 |
| 45 |
1.30% |
¥94,210 |
¥50,873,276 |
¥12,373,276 |
| 45 |
1.40% |
¥96,138 |
¥51,914,269 |
¥13,414,269 |
| 45 |
1.50% |
¥98,088 |
¥52,967,730 |
¥14,467,730 |
| 45 |
1.60% |
¥100,062 |
¥54,033,586 |
¥15,533,586 |
| 45 |
1.70% |
¥102,059 |
¥55,111,758 |
¥16,611,758 |
| 45 |
1.80% |
¥104,078 |
¥56,202,164 |
¥17,702,164 |
| 45 |
1.90% |
¥106,120 |
¥57,304,717 |
¥18,804,717 |
| 45 |
2.00% |
¥108,184 |
¥58,419,326 |
¥19,919,326 |
| 45 |
2.10% |
¥110,270 |
¥59,545,897 |
¥21,045,897 |
| 45 |
2.20% |
¥112,378 |
¥60,684,330 |
¥22,184,330 |
| 45 |
2.30% |
¥114,508 |
¥61,834,524 |
¥23,334,524 |
| 45 |
2.40% |
¥116,660 |
¥62,996,373 |
¥24,496,373 |
| 45 |
2.50% |
¥118,833 |
¥64,169,767 |
¥25,669,767 |
| 45 |
2.60% |
¥121,027 |
¥65,354,595 |
¥26,854,595 |
| 45 |
2.70% |
¥123,242 |
¥66,550,740 |
¥28,050,740 |
| 45 |
2.80% |
¥125,478 |
¥67,758,083 |
¥29,258,083 |
| 45 |
2.90% |
¥127,734 |
¥68,976,504 |
¥30,476,504 |
| 45 |
3.00% |
¥130,011 |
¥70,205,878 |
¥31,705,878 |
3850万円｜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% |
¥91,984 |
¥44,152,360 |
¥5,652,360 |
| 40 |
0.80% |
¥93,751 |
¥45,000,697 |
¥6,500,697 |
| 40 |
0.90% |
¥95,540 |
¥45,859,185 |
¥7,359,185 |
| 40 |
1.00% |
¥97,350 |
¥46,727,797 |
¥8,227,797 |
| 40 |
1.10% |
¥99,180 |
¥47,606,500 |
¥9,106,500 |
| 40 |
1.20% |
¥101,032 |
¥48,495,259 |
¥9,995,259 |
| 40 |
1.30% |
¥102,904 |
¥49,394,036 |
¥10,894,036 |
| 40 |
1.40% |
¥104,797 |
¥50,302,790 |
¥11,802,790 |
| 40 |
1.50% |
¥106,711 |
¥51,221,478 |
¥12,721,478 |
| 40 |
1.60% |
¥108,646 |
¥52,150,052 |
¥13,650,052 |
| 40 |
1.70% |
¥110,601 |
¥53,088,463 |
¥14,588,463 |
| 40 |
1.80% |
¥112,576 |
¥54,036,658 |
¥15,536,658 |
| 40 |
1.90% |
¥114,572 |
¥54,994,583 |
¥16,494,583 |
| 40 |
2.00% |
¥116,588 |
¥55,962,178 |
¥17,462,178 |
| 40 |
2.10% |
¥118,624 |
¥56,939,384 |
¥18,439,384 |
| 40 |
2.20% |
¥120,679 |
¥57,926,138 |
¥19,426,138 |
| 40 |
2.30% |
¥122,755 |
¥58,922,373 |
¥20,422,373 |
| 40 |
2.40% |
¥124,850 |
¥59,928,023 |
¥21,428,023 |
| 40 |
2.50% |
¥126,965 |
¥60,943,016 |
¥22,443,016 |
| 40 |
2.60% |
¥129,099 |
¥61,967,281 |
¥23,467,281 |
| 40 |
2.70% |
¥131,252 |
¥63,000,741 |
¥24,500,741 |
| 40 |
2.80% |
¥133,424 |
¥64,043,321 |
¥25,543,321 |
| 40 |
2.90% |
¥135,614 |
¥65,094,942 |
¥26,594,942 |
| 40 |
3.00% |
¥137,824 |
¥66,155,521 |
¥27,655,521 |
3850万円｜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% |
¥103,380 |
¥43,419,810 |
¥4,919,810 |
| 35 |
0.80% |
¥105,128 |
¥44,153,954 |
¥5,653,954 |
| 35 |
0.90% |
¥106,895 |
¥44,895,889 |
¥6,395,889 |
| 35 |
1.00% |
¥108,680 |
¥45,645,598 |
¥7,145,598 |
| 35 |
1.10% |
¥110,483 |
¥46,403,061 |
¥7,903,061 |
| 35 |
1.20% |
¥112,305 |
¥47,168,260 |
¥8,668,260 |
| 35 |
1.30% |
¥114,146 |
¥47,941,169 |
¥9,441,169 |
| 35 |
1.40% |
¥116,004 |
¥48,721,766 |
¥10,221,766 |
| 35 |
1.50% |
¥117,881 |
¥49,510,024 |
¥11,010,024 |
| 35 |
1.60% |
¥119,776 |
¥50,305,915 |
¥11,805,915 |
| 35 |
1.70% |
¥121,689 |
¥51,109,409 |
¥12,609,409 |
| 35 |
1.80% |
¥123,620 |
¥51,920,475 |
¥13,420,475 |
| 35 |
1.90% |
¥125,569 |
¥52,739,080 |
¥14,239,080 |
| 35 |
2.00% |
¥127,536 |
¥53,565,190 |
¥15,065,190 |
| 35 |
2.10% |
¥129,521 |
¥54,398,767 |
¥15,898,767 |
| 35 |
2.20% |
¥131,523 |
¥55,239,775 |
¥16,739,775 |
| 35 |
2.30% |
¥133,543 |
¥56,088,173 |
¥17,588,173 |
| 35 |
2.40% |
¥135,581 |
¥56,943,921 |
¥18,443,921 |
| 35 |
2.50% |
¥137,636 |
¥57,806,976 |
¥19,306,976 |
| 35 |
2.60% |
¥139,708 |
¥58,677,295 |
¥20,177,295 |
| 35 |
2.70% |
¥141,797 |
¥59,554,831 |
¥21,054,831 |
| 35 |
2.80% |
¥143,904 |
¥60,439,539 |
¥21,939,539 |
| 35 |
2.90% |
¥146,027 |
¥61,331,371 |
¥22,831,371 |
| 35 |
3.00% |
¥148,167 |
¥62,230,276 |
¥23,730,276 |
3850万円｜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% |
¥118,597 |
¥42,695,071 |
¥4,195,071 |
| 30 |
0.80% |
¥120,326 |
¥43,317,393 |
¥4,817,393 |
| 30 |
0.90% |
¥122,071 |
¥43,945,452 |
¥5,445,452 |
| 30 |
1.00% |
¥123,831 |
¥44,579,238 |
¥6,079,238 |
| 30 |
1.10% |
¥125,608 |
¥45,218,739 |
¥6,718,739 |
| 30 |
1.20% |
¥127,400 |
¥45,863,945 |
¥7,363,945 |
| 30 |
1.30% |
¥129,208 |
¥46,514,843 |
¥8,014,843 |
| 30 |
1.40% |
¥131,032 |
¥47,171,420 |
¥8,671,420 |
| 30 |
1.50% |
¥132,871 |
¥47,833,661 |
¥9,333,661 |
| 30 |
1.60% |
¥134,727 |
¥48,501,551 |
¥10,001,551 |
| 30 |
1.70% |
¥136,597 |
¥49,175,074 |
¥10,675,074 |
| 30 |
1.80% |
¥138,484 |
¥49,854,211 |
¥11,354,211 |
| 30 |
1.90% |
¥140,386 |
¥50,538,946 |
¥12,038,946 |
| 30 |
2.00% |
¥142,303 |
¥51,229,259 |
¥12,729,259 |
| 30 |
2.10% |
¥144,236 |
¥51,925,129 |
¥13,425,129 |
| 30 |
2.20% |
¥146,185 |
¥52,626,537 |
¥14,126,537 |
| 30 |
2.30% |
¥148,148 |
¥53,333,459 |
¥14,833,459 |
| 30 |
2.40% |
¥150,127 |
¥54,045,873 |
¥15,545,873 |
| 30 |
2.50% |
¥152,122 |
¥54,763,757 |
¥16,263,757 |
| 30 |
2.60% |
¥154,131 |
¥55,487,084 |
¥16,987,084 |
| 30 |
2.70% |
¥156,155 |
¥56,215,830 |
¥17,715,830 |
| 30 |
2.80% |
¥158,194 |
¥56,949,970 |
¥18,449,970 |
| 30 |
2.90% |
¥160,249 |
¥57,689,475 |
¥19,189,475 |
| 30 |
3.00% |
¥162,318 |
¥58,434,319 |
¥19,934,319 |
3850万円｜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% |
¥139,927 |
¥41,978,155 |
¥3,478,155 |
| 25 |
0.80% |
¥141,637 |
¥42,491,037 |
¥3,991,037 |
| 25 |
0.90% |
¥143,360 |
¥43,007,910 |
¥4,507,910 |
| 25 |
1.00% |
¥145,096 |
¥43,528,768 |
¥5,028,768 |
| 25 |
1.10% |
¥146,845 |
¥44,053,607 |
¥5,553,607 |
| 25 |
1.20% |
¥148,608 |
¥44,582,421 |
¥6,082,421 |
| 25 |
1.30% |
¥150,384 |
¥45,115,203 |
¥6,615,203 |
| 25 |
1.40% |
¥152,173 |
¥45,651,947 |
¥7,151,947 |
| 25 |
1.50% |
¥153,975 |
¥46,192,646 |
¥7,692,646 |
| 25 |
1.60% |
¥155,791 |
¥46,737,291 |
¥8,237,291 |
| 25 |
1.70% |
¥157,620 |
¥47,285,876 |
¥8,785,876 |
| 25 |
1.80% |
¥159,461 |
¥47,838,391 |
¥9,338,391 |
| 25 |
1.90% |
¥161,316 |
¥48,394,828 |
¥9,894,828 |
| 25 |
2.00% |
¥163,184 |
¥48,955,176 |
¥10,455,176 |
| 25 |
2.10% |
¥165,065 |
¥49,519,426 |
¥11,019,426 |
| 25 |
2.20% |
¥166,959 |
¥50,087,568 |
¥11,587,568 |
| 25 |
2.30% |
¥168,865 |
¥50,659,591 |
¥12,159,591 |
| 25 |
2.40% |
¥170,785 |
¥51,235,483 |
¥12,735,483 |
| 25 |
2.50% |
¥172,717 |
¥51,815,233 |
¥13,315,233 |
| 25 |
2.60% |
¥174,663 |
¥52,398,828 |
¥13,898,828 |
| 25 |
2.70% |
¥176,621 |
¥52,986,256 |
¥14,486,256 |
| 25 |
2.80% |
¥178,592 |
¥53,577,505 |
¥15,077,505 |
| 25 |
2.90% |
¥180,575 |
¥54,172,559 |
¥15,672,559 |
| 25 |
3.00% |
¥182,571 |
¥54,771,407 |
¥16,271,407 |
3850万円｜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% |
¥171,954 |
¥41,269,073 |
¥2,769,073 |
| 20 |
0.80% |
¥173,645 |
¥41,674,903 |
¥3,174,903 |
| 20 |
0.90% |
¥175,347 |
¥42,083,291 |
¥3,583,291 |
| 20 |
1.00% |
¥177,059 |
¥42,494,234 |
¥3,994,234 |
| 20 |
1.10% |
¥178,782 |
¥42,907,730 |
¥4,407,730 |
| 20 |
1.20% |
¥180,516 |
¥43,323,778 |
¥4,823,778 |
| 20 |
1.30% |
¥182,260 |
¥43,742,373 |
¥5,242,373 |
| 20 |
1.40% |
¥184,015 |
¥44,163,513 |
¥5,663,513 |
| 20 |
1.50% |
¥185,780 |
¥44,587,196 |
¥6,087,196 |
| 20 |
1.60% |
¥187,556 |
¥45,013,417 |
¥6,513,417 |
| 20 |
1.70% |
¥189,342 |
¥45,442,174 |
¥6,942,174 |
| 20 |
1.80% |
¥191,139 |
¥45,873,463 |
¥7,373,463 |
| 20 |
1.90% |
¥192,947 |
¥46,307,280 |
¥7,807,280 |
| 20 |
2.00% |
¥194,765 |
¥46,743,620 |
¥8,243,620 |
| 20 |
2.10% |
¥196,594 |
¥47,182,480 |
¥8,682,480 |
| 20 |
2.20% |
¥198,433 |
¥47,623,856 |
¥9,123,856 |
| 20 |
2.30% |
¥200,282 |
¥48,067,742 |
¥9,567,742 |
| 20 |
2.40% |
¥202,142 |
¥48,514,134 |
¥10,014,134 |
| 20 |
2.50% |
¥204,013 |
¥48,963,027 |
¥10,463,027 |
| 20 |
2.60% |
¥205,893 |
¥49,414,416 |
¥10,914,416 |
| 20 |
2.70% |
¥207,785 |
¥49,868,295 |
¥11,368,295 |
| 20 |
2.80% |
¥209,686 |
¥50,324,659 |
¥11,824,659 |
| 20 |
2.90% |
¥211,598 |
¥50,783,502 |
¥12,283,502 |
| 20 |
3.00% |
¥213,520 |
¥51,244,818 |
¥12,744,818 |
3850万円｜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% |
¥225,377 |
¥40,567,833 |
¥2,067,833 |
| 15 |
0.80% |
¥227,050 |
¥40,869,005 |
¥2,369,005 |
| 15 |
0.90% |
¥228,731 |
¥41,171,618 |
¥2,671,618 |
| 15 |
1.00% |
¥230,420 |
¥41,475,670 |
¥2,975,670 |
| 15 |
1.10% |
¥232,118 |
¥41,781,160 |
¥3,281,160 |
| 15 |
1.20% |
¥233,823 |
¥42,088,089 |
¥3,588,089 |
| 15 |
1.30% |
¥235,536 |
¥42,396,454 |
¥3,896,454 |
| 15 |
1.40% |
¥237,257 |
¥42,706,255 |
¥4,206,255 |
| 15 |
1.50% |
¥238,986 |
¥43,017,491 |
¥4,517,491 |
| 15 |
1.60% |
¥240,723 |
¥43,330,161 |
¥4,830,161 |
| 15 |
1.70% |
¥242,468 |
¥43,644,263 |
¥5,144,263 |
| 15 |
1.80% |
¥244,221 |
¥43,959,797 |
¥5,459,797 |
| 15 |
1.90% |
¥245,982 |
¥44,276,761 |
¥5,776,761 |
| 15 |
2.00% |
¥247,751 |
¥44,595,153 |
¥6,095,153 |
| 15 |
2.10% |
¥249,528 |
¥44,914,972 |
¥6,414,972 |
| 15 |
2.20% |
¥251,312 |
¥45,236,218 |
¥6,736,218 |
| 15 |
2.30% |
¥253,105 |
¥45,558,887 |
¥7,058,887 |
| 15 |
2.40% |
¥254,905 |
¥45,882,979 |
¥7,382,979 |
| 15 |
2.50% |
¥256,714 |
¥46,208,492 |
¥7,708,492 |
| 15 |
2.60% |
¥258,530 |
¥46,535,424 |
¥8,035,424 |
| 15 |
2.70% |
¥260,354 |
¥46,863,774 |
¥8,363,774 |
| 15 |
2.80% |
¥262,186 |
¥47,193,539 |
¥8,693,539 |
| 15 |
2.90% |
¥264,026 |
¥47,524,717 |
¥9,024,717 |
| 15 |
3.00% |
¥265,874 |
¥47,857,308 |
¥9,357,308 |
3850万円｜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% |
¥332,287 |
¥39,874,443 |
¥1,374,443 |
| 10 |
0.80% |
¥333,945 |
¥40,073,356 |
¥1,573,356 |
| 10 |
0.90% |
¥335,608 |
¥40,272,910 |
¥1,772,910 |
| 10 |
1.00% |
¥337,276 |
¥40,473,104 |
¥1,973,104 |
| 10 |
1.10% |
¥338,949 |
¥40,673,938 |
¥2,173,938 |
| 10 |
1.20% |
¥340,628 |
¥40,875,413 |
¥2,375,413 |
| 10 |
1.30% |
¥342,313 |
¥41,077,527 |
¥2,577,527 |
| 10 |
1.40% |
¥344,002 |
¥41,280,280 |
¥2,780,280 |
| 10 |
1.50% |
¥345,697 |
¥41,483,673 |
¥2,983,673 |
| 10 |
1.60% |
¥347,398 |
¥41,687,705 |
¥3,187,705 |
| 10 |
1.70% |
¥349,103 |
¥41,892,375 |
¥3,392,375 |
| 10 |
1.80% |
¥350,814 |
¥42,097,684 |
¥3,597,684 |
| 10 |
1.90% |
¥352,530 |
¥42,303,631 |
¥3,803,631 |
| 10 |
2.00% |
¥354,252 |
¥42,510,216 |
¥4,010,216 |
| 10 |
2.10% |
¥355,979 |
¥42,717,438 |
¥4,217,438 |
| 10 |
2.20% |
¥357,711 |
¥42,925,297 |
¥4,425,297 |
| 10 |
2.30% |
¥359,448 |
¥43,133,793 |
¥4,633,793 |
| 10 |
2.40% |
¥361,191 |
¥43,342,926 |
¥4,842,926 |
| 10 |
2.50% |
¥362,939 |
¥43,552,695 |
¥5,052,695 |
| 10 |
2.60% |
¥364,692 |
¥43,763,099 |
¥5,263,099 |
| 10 |
2.70% |
¥366,451 |
¥43,974,138 |
¥5,474,138 |
| 10 |
2.80% |
¥368,215 |
¥44,185,813 |
¥5,685,813 |
| 10 |
2.90% |
¥369,984 |
¥44,398,121 |
¥5,898,121 |
| 10 |
3.00% |
¥371,759 |
¥44,611,064 |
¥6,111,064 |
