3860万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。3860万円の住宅ローンが、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。
3860万円の住宅ローン｜期間・年数別
3860万円｜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% |
¥76,266 |
¥45,759,383 |
¥7,159,383 |
| 50 |
0.80% |
¥78,077 |
¥46,845,995 |
¥8,245,995 |
| 50 |
0.90% |
¥79,914 |
¥47,948,419 |
¥9,348,419 |
| 50 |
1.00% |
¥81,778 |
¥49,066,586 |
¥10,466,586 |
| 50 |
1.10% |
¥83,667 |
¥50,200,421 |
¥11,600,421 |
| 50 |
1.20% |
¥85,583 |
¥51,349,839 |
¥12,749,839 |
| 50 |
1.30% |
¥87,525 |
¥52,514,751 |
¥13,914,751 |
| 50 |
1.40% |
¥89,492 |
¥53,695,059 |
¥15,095,059 |
| 50 |
1.50% |
¥91,484 |
¥54,890,657 |
¥16,290,657 |
| 50 |
1.60% |
¥93,502 |
¥56,101,436 |
¥17,501,436 |
| 50 |
1.70% |
¥95,545 |
¥57,327,277 |
¥18,727,277 |
| 50 |
1.80% |
¥97,613 |
¥58,568,058 |
¥19,968,058 |
| 50 |
1.90% |
¥99,706 |
¥59,823,647 |
¥21,223,647 |
| 50 |
2.00% |
¥101,823 |
¥61,093,910 |
¥22,493,910 |
| 50 |
2.10% |
¥103,965 |
¥62,378,704 |
¥23,778,704 |
| 50 |
2.20% |
¥106,130 |
¥63,677,884 |
¥25,077,884 |
| 50 |
2.30% |
¥108,319 |
¥64,991,297 |
¥26,391,297 |
| 50 |
2.40% |
¥110,531 |
¥66,318,787 |
¥27,718,787 |
| 50 |
2.50% |
¥112,767 |
¥67,660,192 |
¥29,060,192 |
| 50 |
2.60% |
¥115,026 |
¥69,015,345 |
¥30,415,345 |
| 50 |
2.70% |
¥117,307 |
¥70,384,078 |
¥31,784,078 |
| 50 |
2.80% |
¥119,610 |
¥71,766,215 |
¥33,166,215 |
| 50 |
2.90% |
¥121,936 |
¥73,161,579 |
¥34,561,579 |
| 50 |
3.00% |
¥124,283 |
¥74,569,989 |
¥35,969,989 |
3860万円｜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% |
¥83,351 |
¥45,009,312 |
¥6,409,312 |
| 45 |
0.80% |
¥85,142 |
¥45,976,710 |
¥7,376,710 |
| 45 |
0.90% |
¥86,957 |
¥46,956,954 |
¥8,356,954 |
| 45 |
1.00% |
¥88,796 |
¥47,950,000 |
¥9,350,000 |
| 45 |
1.10% |
¥90,659 |
¥48,955,796 |
¥10,355,796 |
| 45 |
1.20% |
¥92,545 |
¥49,974,288 |
¥11,374,288 |
| 45 |
1.30% |
¥94,454 |
¥51,005,414 |
¥12,405,414 |
| 45 |
1.40% |
¥96,387 |
¥52,049,111 |
¥13,449,111 |
| 45 |
1.50% |
¥98,343 |
¥53,105,309 |
¥14,505,309 |
| 45 |
1.60% |
¥100,322 |
¥54,173,933 |
¥15,573,933 |
| 45 |
1.70% |
¥102,324 |
¥55,254,906 |
¥16,654,906 |
| 45 |
1.80% |
¥104,348 |
¥56,348,144 |
¥17,748,144 |
| 45 |
1.90% |
¥106,395 |
¥57,453,560 |
¥18,853,560 |
| 45 |
2.00% |
¥108,465 |
¥58,571,065 |
¥19,971,065 |
| 45 |
2.10% |
¥110,557 |
¥59,700,561 |
¥21,100,561 |
| 45 |
2.20% |
¥112,670 |
¥60,841,952 |
¥22,241,952 |
| 45 |
2.30% |
¥114,806 |
¥61,995,133 |
¥23,395,133 |
| 45 |
2.40% |
¥116,963 |
¥63,160,000 |
¥24,560,000 |
| 45 |
2.50% |
¥119,142 |
¥64,336,442 |
¥25,736,442 |
| 45 |
2.60% |
¥121,341 |
¥65,524,347 |
¥26,924,347 |
| 45 |
2.70% |
¥123,562 |
¥66,723,599 |
¥28,123,599 |
| 45 |
2.80% |
¥125,804 |
¥67,934,078 |
¥29,334,078 |
| 45 |
2.90% |
¥128,066 |
¥69,155,664 |
¥30,555,664 |
| 45 |
3.00% |
¥130,349 |
¥70,388,230 |
¥31,788,230 |
3860万円｜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% |
¥92,223 |
¥44,267,042 |
¥5,667,042 |
| 40 |
0.80% |
¥93,995 |
¥45,117,582 |
¥6,517,582 |
| 40 |
0.90% |
¥95,788 |
¥45,978,300 |
¥7,378,300 |
| 40 |
1.00% |
¥97,602 |
¥46,849,168 |
¥8,249,168 |
| 40 |
1.10% |
¥99,438 |
¥47,730,153 |
¥9,130,153 |
| 40 |
1.20% |
¥101,294 |
¥48,621,220 |
¥10,021,220 |
| 40 |
1.30% |
¥103,172 |
¥49,522,332 |
¥10,922,332 |
| 40 |
1.40% |
¥105,070 |
¥50,433,447 |
¥11,833,447 |
| 40 |
1.50% |
¥106,989 |
¥51,354,521 |
¥12,754,521 |
| 40 |
1.60% |
¥108,928 |
¥52,285,507 |
¥13,685,507 |
| 40 |
1.70% |
¥110,888 |
¥53,226,355 |
¥14,626,355 |
| 40 |
1.80% |
¥112,869 |
¥54,177,013 |
¥15,577,013 |
| 40 |
1.90% |
¥114,870 |
¥55,137,426 |
¥16,537,426 |
| 40 |
2.00% |
¥116,891 |
¥56,107,534 |
¥17,507,534 |
| 40 |
2.10% |
¥118,932 |
¥57,087,279 |
¥18,487,279 |
| 40 |
2.20% |
¥120,993 |
¥58,076,595 |
¥19,476,595 |
| 40 |
2.30% |
¥123,074 |
¥59,075,419 |
¥20,475,419 |
| 40 |
2.40% |
¥125,174 |
¥60,083,680 |
¥21,483,680 |
| 40 |
2.50% |
¥127,294 |
¥61,101,310 |
¥22,501,310 |
| 40 |
2.60% |
¥129,434 |
¥62,128,235 |
¥23,528,235 |
| 40 |
2.70% |
¥131,592 |
¥63,164,380 |
¥24,564,380 |
| 40 |
2.80% |
¥133,770 |
¥64,209,668 |
¥25,609,668 |
| 40 |
2.90% |
¥135,967 |
¥65,264,019 |
¥26,664,019 |
| 40 |
3.00% |
¥138,182 |
¥66,327,354 |
¥27,727,354 |
3860万円｜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% |
¥103,649 |
¥43,532,589 |
¥4,932,589 |
| 35 |
0.80% |
¥105,402 |
¥44,268,639 |
¥5,668,639 |
| 35 |
0.90% |
¥107,173 |
¥45,012,501 |
¥6,412,501 |
| 35 |
1.00% |
¥108,962 |
¥45,764,158 |
¥7,164,158 |
| 35 |
1.10% |
¥110,770 |
¥46,523,589 |
¥7,923,589 |
| 35 |
1.20% |
¥112,597 |
¥47,290,775 |
¥8,690,775 |
| 35 |
1.30% |
¥114,442 |
¥48,065,692 |
¥9,465,692 |
| 35 |
1.40% |
¥116,306 |
¥48,848,316 |
¥10,248,316 |
| 35 |
1.50% |
¥118,187 |
¥49,638,621 |
¥11,038,621 |
| 35 |
1.60% |
¥120,087 |
¥50,436,579 |
¥11,836,579 |
| 35 |
1.70% |
¥122,005 |
¥51,242,161 |
¥12,642,161 |
| 35 |
1.80% |
¥123,941 |
¥52,055,334 |
¥13,455,334 |
| 35 |
1.90% |
¥125,895 |
¥52,876,065 |
¥14,276,065 |
| 35 |
2.00% |
¥127,867 |
¥53,704,320 |
¥15,104,320 |
| 35 |
2.10% |
¥129,857 |
¥54,540,063 |
¥15,940,063 |
| 35 |
2.20% |
¥131,865 |
¥55,383,255 |
¥16,783,255 |
| 35 |
2.30% |
¥133,890 |
¥56,233,857 |
¥17,633,857 |
| 35 |
2.40% |
¥135,933 |
¥57,091,827 |
¥18,491,827 |
| 35 |
2.50% |
¥137,993 |
¥57,957,124 |
¥19,357,124 |
| 35 |
2.60% |
¥140,071 |
¥58,829,703 |
¥20,229,703 |
| 35 |
2.70% |
¥142,166 |
¥59,709,519 |
¥21,109,519 |
| 35 |
2.80% |
¥144,277 |
¥60,596,525 |
¥21,996,525 |
| 35 |
2.90% |
¥146,406 |
¥61,490,673 |
¥22,890,673 |
| 35 |
3.00% |
¥148,552 |
¥62,391,913 |
¥23,791,913 |
3860万円｜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% |
¥118,905 |
¥42,805,967 |
¥4,205,967 |
| 30 |
0.80% |
¥120,639 |
¥43,429,906 |
¥4,829,906 |
| 30 |
0.90% |
¥122,388 |
¥44,059,596 |
¥5,459,596 |
| 30 |
1.00% |
¥124,153 |
¥44,695,028 |
¥6,095,028 |
| 30 |
1.10% |
¥125,934 |
¥45,336,190 |
¥6,736,190 |
| 30 |
1.20% |
¥127,731 |
¥45,983,072 |
¥7,383,072 |
| 30 |
1.30% |
¥129,544 |
¥46,635,661 |
¥8,035,661 |
| 30 |
1.40% |
¥131,372 |
¥47,293,943 |
¥8,693,943 |
| 30 |
1.50% |
¥133,216 |
¥47,957,904 |
¥9,357,904 |
| 30 |
1.60% |
¥135,076 |
¥48,627,529 |
¥10,027,529 |
| 30 |
1.70% |
¥136,952 |
¥49,302,801 |
¥10,702,801 |
| 30 |
1.80% |
¥138,844 |
¥49,983,703 |
¥11,383,703 |
| 30 |
1.90% |
¥140,751 |
¥50,670,216 |
¥12,070,216 |
| 30 |
2.00% |
¥142,673 |
¥51,362,322 |
¥12,762,322 |
| 30 |
2.10% |
¥144,611 |
¥52,060,000 |
¥13,460,000 |
| 30 |
2.20% |
¥146,565 |
¥52,763,229 |
¥14,163,229 |
| 30 |
2.30% |
¥148,533 |
¥53,471,987 |
¥14,871,987 |
| 30 |
2.40% |
¥150,517 |
¥54,186,252 |
¥15,586,252 |
| 30 |
2.50% |
¥152,517 |
¥54,906,000 |
¥16,306,000 |
| 30 |
2.60% |
¥154,531 |
¥55,631,206 |
¥17,031,206 |
| 30 |
2.70% |
¥156,561 |
¥56,361,846 |
¥17,761,846 |
| 30 |
2.80% |
¥158,605 |
¥57,097,892 |
¥18,497,892 |
| 30 |
2.90% |
¥160,665 |
¥57,839,318 |
¥19,239,318 |
| 30 |
3.00% |
¥162,739 |
¥58,586,097 |
¥19,986,097 |
3860万円｜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% |
¥140,291 |
¥42,087,189 |
¥3,487,189 |
| 25 |
0.80% |
¥142,005 |
¥42,601,403 |
¥4,001,403 |
| 25 |
0.90% |
¥143,732 |
¥43,119,619 |
¥4,519,619 |
| 25 |
1.00% |
¥145,473 |
¥43,641,830 |
¥5,041,830 |
| 25 |
1.10% |
¥147,227 |
¥44,168,032 |
¥5,568,032 |
| 25 |
1.20% |
¥148,994 |
¥44,698,219 |
¥6,098,219 |
| 25 |
1.30% |
¥150,775 |
¥45,232,385 |
¥6,632,385 |
| 25 |
1.40% |
¥152,568 |
¥45,770,524 |
¥7,170,524 |
| 25 |
1.50% |
¥154,375 |
¥46,312,627 |
¥7,712,627 |
| 25 |
1.60% |
¥156,196 |
¥46,858,687 |
¥8,258,687 |
| 25 |
1.70% |
¥158,029 |
¥47,408,697 |
¥8,808,697 |
| 25 |
1.80% |
¥159,875 |
¥47,962,647 |
¥9,362,647 |
| 25 |
1.90% |
¥161,735 |
¥48,520,529 |
¥9,920,529 |
| 25 |
2.00% |
¥163,608 |
¥49,082,332 |
¥10,482,332 |
| 25 |
2.10% |
¥165,493 |
¥49,648,048 |
¥11,048,048 |
| 25 |
2.20% |
¥167,392 |
¥50,217,666 |
¥11,617,666 |
| 25 |
2.30% |
¥169,304 |
¥50,791,174 |
¥12,191,174 |
| 25 |
2.40% |
¥171,229 |
¥51,368,562 |
¥12,768,562 |
| 25 |
2.50% |
¥173,166 |
¥51,949,818 |
¥13,349,818 |
| 25 |
2.60% |
¥175,116 |
¥52,534,929 |
¥13,934,929 |
| 25 |
2.70% |
¥177,080 |
¥53,123,883 |
¥14,523,883 |
| 25 |
2.80% |
¥179,056 |
¥53,716,667 |
¥15,116,667 |
| 25 |
2.90% |
¥181,044 |
¥54,313,267 |
¥15,713,267 |
| 25 |
3.00% |
¥183,046 |
¥54,913,670 |
¥16,313,670 |
3860万円｜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% |
¥172,401 |
¥41,376,265 |
¥2,776,265 |
| 20 |
0.80% |
¥174,096 |
¥41,783,149 |
¥3,183,149 |
| 20 |
0.90% |
¥175,802 |
¥42,192,598 |
¥3,592,598 |
| 20 |
1.00% |
¥177,519 |
¥42,604,609 |
¥4,004,609 |
| 20 |
1.10% |
¥179,247 |
¥43,019,179 |
¥4,419,179 |
| 20 |
1.20% |
¥180,985 |
¥43,436,307 |
¥4,836,307 |
| 20 |
1.30% |
¥182,733 |
¥43,855,989 |
¥5,255,989 |
| 20 |
1.40% |
¥184,493 |
¥44,278,224 |
¥5,678,224 |
| 20 |
1.50% |
¥186,263 |
¥44,703,007 |
¥6,103,007 |
| 20 |
1.60% |
¥188,043 |
¥45,130,335 |
¥6,530,335 |
| 20 |
1.70% |
¥189,834 |
¥45,560,206 |
¥6,960,206 |
| 20 |
1.80% |
¥191,636 |
¥45,992,615 |
¥7,392,615 |
| 20 |
1.90% |
¥193,448 |
¥46,427,558 |
¥7,827,558 |
| 20 |
2.00% |
¥195,271 |
¥46,865,032 |
¥8,265,032 |
| 20 |
2.10% |
¥197,104 |
¥47,305,032 |
¥8,705,032 |
| 20 |
2.20% |
¥198,948 |
¥47,747,554 |
¥9,147,554 |
| 20 |
2.30% |
¥200,802 |
¥48,192,594 |
¥9,592,594 |
| 20 |
2.40% |
¥202,667 |
¥48,640,145 |
¥10,040,145 |
| 20 |
2.50% |
¥204,543 |
¥49,090,204 |
¥10,490,204 |
| 20 |
2.60% |
¥206,428 |
¥49,542,765 |
¥10,942,765 |
| 20 |
2.70% |
¥208,324 |
¥49,997,823 |
¥11,397,823 |
| 20 |
2.80% |
¥210,231 |
¥50,455,372 |
¥11,855,372 |
| 20 |
2.90% |
¥212,148 |
¥50,915,407 |
¥12,315,407 |
| 20 |
3.00% |
¥214,075 |
¥51,377,921 |
¥12,777,921 |
3860万円｜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% |
¥225,962 |
¥40,673,204 |
¥2,073,204 |
| 15 |
0.80% |
¥227,640 |
¥40,975,159 |
¥2,375,159 |
| 15 |
0.90% |
¥229,325 |
¥41,278,557 |
¥2,678,557 |
| 15 |
1.00% |
¥231,019 |
¥41,583,399 |
¥2,983,399 |
| 15 |
1.10% |
¥232,720 |
¥41,889,683 |
¥3,289,683 |
| 15 |
1.20% |
¥234,430 |
¥42,197,409 |
¥3,597,409 |
| 15 |
1.30% |
¥236,148 |
¥42,506,575 |
¥3,906,575 |
| 15 |
1.40% |
¥237,873 |
¥42,817,181 |
¥4,217,181 |
| 15 |
1.50% |
¥239,607 |
¥43,129,225 |
¥4,529,225 |
| 15 |
1.60% |
¥241,348 |
¥43,442,707 |
¥4,842,707 |
| 15 |
1.70% |
¥243,098 |
¥43,757,625 |
¥5,157,625 |
| 15 |
1.80% |
¥244,855 |
¥44,073,978 |
¥5,473,978 |
| 15 |
1.90% |
¥246,621 |
¥44,391,765 |
¥5,791,765 |
| 15 |
2.00% |
¥248,394 |
¥44,710,985 |
¥6,110,985 |
| 15 |
2.10% |
¥250,176 |
¥45,031,635 |
¥6,431,635 |
| 15 |
2.20% |
¥251,965 |
¥45,353,714 |
¥6,753,714 |
| 15 |
2.30% |
¥253,762 |
¥45,677,222 |
¥7,077,222 |
| 15 |
2.40% |
¥255,568 |
¥46,002,156 |
¥7,402,156 |
| 15 |
2.50% |
¥257,381 |
¥46,328,514 |
¥7,728,514 |
| 15 |
2.60% |
¥259,202 |
¥46,656,296 |
¥8,056,296 |
| 15 |
2.70% |
¥261,031 |
¥46,985,498 |
¥8,385,498 |
| 15 |
2.80% |
¥262,867 |
¥47,316,119 |
¥8,716,119 |
| 15 |
2.90% |
¥264,712 |
¥47,648,158 |
¥9,048,158 |
| 15 |
3.00% |
¥266,565 |
¥47,981,612 |
¥9,381,612 |
3860万円｜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% |
¥333,150 |
¥39,978,013 |
¥1,378,013 |
| 10 |
0.80% |
¥334,812 |
¥40,177,443 |
¥1,577,443 |
| 10 |
0.90% |
¥336,479 |
¥40,377,515 |
¥1,777,515 |
| 10 |
1.00% |
¥338,152 |
¥40,578,229 |
¥1,978,229 |
| 10 |
1.10% |
¥339,830 |
¥40,779,585 |
¥2,179,585 |
| 10 |
1.20% |
¥341,513 |
¥40,981,583 |
¥2,381,583 |
| 10 |
1.30% |
¥343,202 |
¥41,184,222 |
¥2,584,222 |
| 10 |
1.40% |
¥344,896 |
¥41,387,502 |
¥2,787,502 |
| 10 |
1.50% |
¥346,595 |
¥41,591,423 |
¥2,991,423 |
| 10 |
1.60% |
¥348,300 |
¥41,795,984 |
¥3,195,984 |
| 10 |
1.70% |
¥350,010 |
¥42,001,186 |
¥3,401,186 |
| 10 |
1.80% |
¥351,725 |
¥42,207,029 |
¥3,607,029 |
| 10 |
1.90% |
¥353,446 |
¥42,413,510 |
¥3,813,510 |
| 10 |
2.00% |
¥355,172 |
¥42,620,632 |
¥4,020,632 |
| 10 |
2.10% |
¥356,903 |
¥42,828,392 |
¥4,228,392 |
| 10 |
2.20% |
¥358,640 |
¥43,036,792 |
¥4,436,792 |
| 10 |
2.30% |
¥360,382 |
¥43,245,829 |
¥4,645,829 |
| 10 |
2.40% |
¥362,129 |
¥43,455,505 |
¥4,855,505 |
| 10 |
2.50% |
¥363,882 |
¥43,665,818 |
¥5,065,818 |
| 10 |
2.60% |
¥365,640 |
¥43,876,769 |
¥5,276,769 |
| 10 |
2.70% |
¥367,403 |
¥44,088,357 |
¥5,488,357 |
| 10 |
2.80% |
¥369,172 |
¥44,300,581 |
¥5,700,581 |
| 10 |
2.90% |
¥370,945 |
¥44,513,441 |
¥5,913,441 |
| 10 |
3.00% |
¥372,724 |
¥44,726,937 |
¥6,126,937 |
