3890万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。3890万円の住宅ローンが、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。
3890万円の住宅ローン｜期間・年数別
3890万円｜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% |
¥76,858 |
¥46,115,025 |
¥7,215,025 |
| 50 |
0.80% |
¥78,683 |
¥47,210,083 |
¥8,310,083 |
| 50 |
0.90% |
¥80,535 |
¥48,321,075 |
¥9,421,075 |
| 50 |
1.00% |
¥82,413 |
¥49,447,933 |
¥10,547,933 |
| 50 |
1.10% |
¥84,318 |
¥50,590,580 |
¥11,690,580 |
| 50 |
1.20% |
¥86,248 |
¥51,748,931 |
¥12,848,931 |
| 50 |
1.30% |
¥88,205 |
¥52,922,897 |
¥14,022,897 |
| 50 |
1.40% |
¥90,187 |
¥54,112,378 |
¥15,212,378 |
| 50 |
1.50% |
¥92,195 |
¥55,317,269 |
¥16,417,269 |
| 50 |
1.60% |
¥94,229 |
¥56,537,458 |
¥17,637,458 |
| 50 |
1.70% |
¥96,288 |
¥57,772,826 |
¥18,872,826 |
| 50 |
1.80% |
¥98,372 |
¥59,023,250 |
¥20,123,250 |
| 50 |
1.90% |
¥100,481 |
¥60,288,598 |
¥21,388,598 |
| 50 |
2.00% |
¥102,615 |
¥61,568,733 |
¥22,668,733 |
| 50 |
2.10% |
¥104,773 |
¥62,863,513 |
¥23,963,513 |
| 50 |
2.20% |
¥106,955 |
¥64,172,790 |
¥25,272,790 |
| 50 |
2.30% |
¥109,161 |
¥65,496,411 |
¥26,596,411 |
| 50 |
2.40% |
¥111,390 |
¥66,834,218 |
¥27,934,218 |
| 50 |
2.50% |
¥113,643 |
¥68,186,048 |
¥29,286,048 |
| 50 |
2.60% |
¥115,920 |
¥69,551,734 |
¥30,651,734 |
| 50 |
2.70% |
¥118,219 |
¥70,931,104 |
¥32,031,104 |
| 50 |
2.80% |
¥120,540 |
¥72,323,984 |
¥33,423,984 |
| 50 |
2.90% |
¥122,884 |
¥73,730,192 |
¥34,830,192 |
| 50 |
3.00% |
¥125,249 |
¥75,149,548 |
¥36,249,548 |
3890万円｜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% |
¥83,998 |
¥45,359,125 |
¥6,459,125 |
| 45 |
0.80% |
¥85,804 |
¥46,334,041 |
¥7,434,041 |
| 45 |
0.90% |
¥87,633 |
¥47,321,904 |
¥8,421,904 |
| 45 |
1.00% |
¥89,486 |
¥48,322,668 |
¥9,422,668 |
| 45 |
1.10% |
¥91,363 |
¥49,336,282 |
¥10,436,282 |
| 45 |
1.20% |
¥93,264 |
¥50,362,689 |
¥11,462,689 |
| 45 |
1.30% |
¥95,189 |
¥51,401,830 |
¥12,501,830 |
| 45 |
1.40% |
¥97,136 |
¥52,453,638 |
¥13,553,638 |
| 45 |
1.50% |
¥99,107 |
¥53,518,045 |
¥14,618,045 |
| 45 |
1.60% |
¥101,102 |
¥54,594,974 |
¥15,694,974 |
| 45 |
1.70% |
¥103,119 |
¥55,684,348 |
¥16,784,348 |
| 45 |
1.80% |
¥105,159 |
¥56,786,083 |
¥17,886,083 |
| 45 |
1.90% |
¥107,222 |
¥57,900,091 |
¥19,000,091 |
| 45 |
2.00% |
¥109,308 |
¥59,026,280 |
¥20,126,280 |
| 45 |
2.10% |
¥111,416 |
¥60,164,555 |
¥21,264,555 |
| 45 |
2.20% |
¥113,546 |
¥61,314,816 |
¥22,414,816 |
| 45 |
2.30% |
¥115,698 |
¥62,476,961 |
¥23,576,961 |
| 45 |
2.40% |
¥117,872 |
¥63,650,881 |
¥24,750,881 |
| 45 |
2.50% |
¥120,068 |
¥64,836,466 |
¥25,936,466 |
| 45 |
2.60% |
¥122,284 |
¥66,033,603 |
¥27,133,603 |
| 45 |
2.70% |
¥124,523 |
¥67,242,176 |
¥28,342,176 |
| 45 |
2.80% |
¥126,782 |
¥68,462,063 |
¥29,562,063 |
| 45 |
2.90% |
¥129,061 |
¥69,693,143 |
¥30,793,143 |
| 45 |
3.00% |
¥131,362 |
¥70,935,289 |
¥32,035,289 |
3890万円｜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% |
¥92,940 |
¥44,611,086 |
¥5,711,086 |
| 40 |
0.80% |
¥94,725 |
¥45,468,237 |
¥6,568,237 |
| 40 |
0.90% |
¥96,533 |
¥46,335,645 |
¥7,435,645 |
| 40 |
1.00% |
¥98,361 |
¥47,213,281 |
¥8,313,281 |
| 40 |
1.10% |
¥100,211 |
¥48,101,113 |
¥9,201,113 |
| 40 |
1.20% |
¥102,081 |
¥48,999,105 |
¥10,099,105 |
| 40 |
1.30% |
¥103,973 |
¥49,907,221 |
¥11,007,221 |
| 40 |
1.40% |
¥105,886 |
¥50,825,417 |
¥11,925,417 |
| 40 |
1.50% |
¥107,820 |
¥51,753,649 |
¥12,853,649 |
| 40 |
1.60% |
¥109,775 |
¥52,691,871 |
¥13,791,871 |
| 40 |
1.70% |
¥111,750 |
¥53,640,031 |
¥14,740,031 |
| 40 |
1.80% |
¥113,746 |
¥54,598,078 |
¥15,698,078 |
| 40 |
1.90% |
¥115,762 |
¥55,565,955 |
¥16,665,955 |
| 40 |
2.00% |
¥117,799 |
¥56,543,603 |
¥17,643,603 |
| 40 |
2.10% |
¥119,856 |
¥57,530,962 |
¥18,630,962 |
| 40 |
2.20% |
¥121,933 |
¥58,527,968 |
¥19,627,968 |
| 40 |
2.30% |
¥124,030 |
¥59,534,554 |
¥20,634,554 |
| 40 |
2.40% |
¥126,147 |
¥60,550,652 |
¥21,650,652 |
| 40 |
2.50% |
¥128,284 |
¥61,576,191 |
¥22,676,191 |
| 40 |
2.60% |
¥130,440 |
¥62,611,097 |
¥23,711,097 |
| 40 |
2.70% |
¥132,615 |
¥63,655,294 |
¥24,755,294 |
| 40 |
2.80% |
¥134,810 |
¥64,708,706 |
¥25,808,706 |
| 40 |
2.90% |
¥137,023 |
¥65,771,253 |
¥26,871,253 |
| 40 |
3.00% |
¥139,256 |
¥66,842,851 |
¥27,942,851 |
3890万円｜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% |
¥104,455 |
¥43,870,925 |
¥4,970,925 |
| 35 |
0.80% |
¥106,221 |
¥44,612,696 |
¥5,712,696 |
| 35 |
0.90% |
¥108,006 |
¥45,362,339 |
¥6,462,339 |
| 35 |
1.00% |
¥109,809 |
¥46,119,837 |
¥7,219,837 |
| 35 |
1.10% |
¥111,631 |
¥46,885,171 |
¥7,985,171 |
| 35 |
1.20% |
¥113,472 |
¥47,658,319 |
¥8,758,319 |
| 35 |
1.30% |
¥115,332 |
¥48,439,259 |
¥9,539,259 |
| 35 |
1.40% |
¥117,209 |
¥49,227,966 |
¥10,327,966 |
| 35 |
1.50% |
¥119,106 |
¥50,024,414 |
¥11,124,414 |
| 35 |
1.60% |
¥121,020 |
¥50,828,574 |
¥11,928,574 |
| 35 |
1.70% |
¥122,953 |
¥51,640,416 |
¥12,740,416 |
| 35 |
1.80% |
¥124,905 |
¥52,459,909 |
¥13,559,909 |
| 35 |
1.90% |
¥126,874 |
¥53,287,019 |
¥14,387,019 |
| 35 |
2.00% |
¥128,861 |
¥54,121,711 |
¥15,221,711 |
| 35 |
2.10% |
¥130,867 |
¥54,963,949 |
¥16,063,949 |
| 35 |
2.20% |
¥132,890 |
¥55,813,695 |
¥16,913,695 |
| 35 |
2.30% |
¥134,931 |
¥56,670,907 |
¥17,770,907 |
| 35 |
2.40% |
¥136,989 |
¥57,535,546 |
¥18,635,546 |
| 35 |
2.50% |
¥139,066 |
¥58,407,568 |
¥19,507,568 |
| 35 |
2.60% |
¥141,159 |
¥59,286,929 |
¥20,386,929 |
| 35 |
2.70% |
¥143,270 |
¥60,173,583 |
¥21,273,583 |
| 35 |
2.80% |
¥145,399 |
¥61,067,483 |
¥22,167,483 |
| 35 |
2.90% |
¥147,544 |
¥61,968,580 |
¥23,068,580 |
| 35 |
3.00% |
¥149,707 |
¥62,876,824 |
¥23,976,824 |
3890万円｜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% |
¥119,830 |
¥43,138,656 |
¥4,238,656 |
| 30 |
0.80% |
¥121,576 |
¥43,767,444 |
¥4,867,444 |
| 30 |
0.90% |
¥123,339 |
¥44,402,028 |
¥5,502,028 |
| 30 |
1.00% |
¥125,118 |
¥45,042,398 |
¥6,142,398 |
| 30 |
1.10% |
¥126,913 |
¥45,688,544 |
¥6,788,544 |
| 30 |
1.20% |
¥128,723 |
¥46,340,454 |
¥7,440,454 |
| 30 |
1.30% |
¥130,550 |
¥46,998,114 |
¥8,098,114 |
| 30 |
1.40% |
¥132,393 |
¥47,661,513 |
¥8,761,513 |
| 30 |
1.50% |
¥134,252 |
¥48,330,634 |
¥9,430,634 |
| 30 |
1.60% |
¥136,126 |
¥49,005,463 |
¥10,105,463 |
| 30 |
1.70% |
¥138,017 |
¥49,685,984 |
¥10,785,984 |
| 30 |
1.80% |
¥139,923 |
¥50,372,177 |
¥11,472,177 |
| 30 |
1.90% |
¥141,845 |
¥51,064,026 |
¥12,164,026 |
| 30 |
2.00% |
¥143,782 |
¥51,761,511 |
¥12,861,511 |
| 30 |
2.10% |
¥145,735 |
¥52,464,611 |
¥13,564,611 |
| 30 |
2.20% |
¥147,704 |
¥53,173,306 |
¥14,273,306 |
| 30 |
2.30% |
¥149,688 |
¥53,887,573 |
¥14,987,573 |
| 30 |
2.40% |
¥151,687 |
¥54,607,389 |
¥15,707,389 |
| 30 |
2.50% |
¥153,702 |
¥55,332,731 |
¥16,432,731 |
| 30 |
2.60% |
¥155,732 |
¥56,063,573 |
¥17,163,573 |
| 30 |
2.70% |
¥157,777 |
¥56,799,891 |
¥17,899,891 |
| 30 |
2.80% |
¥159,838 |
¥57,541,658 |
¥18,641,658 |
| 30 |
2.90% |
¥161,913 |
¥58,288,846 |
¥19,388,846 |
| 30 |
3.00% |
¥164,004 |
¥59,041,429 |
¥20,141,429 |
3890万円｜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% |
¥141,381 |
¥42,414,291 |
¥3,514,291 |
| 25 |
0.80% |
¥143,108 |
¥42,932,502 |
¥4,032,502 |
| 25 |
0.90% |
¥144,849 |
¥43,454,745 |
¥4,554,745 |
| 25 |
1.00% |
¥146,603 |
¥43,981,015 |
¥5,081,015 |
| 25 |
1.10% |
¥148,371 |
¥44,511,307 |
¥5,611,307 |
| 25 |
1.20% |
¥150,152 |
¥45,045,615 |
¥6,145,615 |
| 25 |
1.30% |
¥151,946 |
¥45,583,932 |
¥6,683,932 |
| 25 |
1.40% |
¥153,754 |
¥46,126,253 |
¥7,226,253 |
| 25 |
1.50% |
¥155,575 |
¥46,672,569 |
¥7,772,569 |
| 25 |
1.60% |
¥157,410 |
¥47,222,874 |
¥8,322,874 |
| 25 |
1.70% |
¥159,257 |
¥47,777,158 |
¥8,877,158 |
| 25 |
1.80% |
¥161,118 |
¥48,335,413 |
¥9,435,413 |
| 25 |
1.90% |
¥162,992 |
¥48,897,631 |
¥9,997,631 |
| 25 |
2.00% |
¥164,879 |
¥49,463,801 |
¥10,563,801 |
| 25 |
2.10% |
¥166,780 |
¥50,033,914 |
¥11,133,914 |
| 25 |
2.20% |
¥168,693 |
¥50,607,959 |
¥11,707,959 |
| 25 |
2.30% |
¥170,620 |
¥51,185,924 |
¥12,285,924 |
| 25 |
2.40% |
¥172,559 |
¥51,767,800 |
¥12,867,800 |
| 25 |
2.50% |
¥174,512 |
¥52,353,573 |
¥13,453,573 |
| 25 |
2.60% |
¥176,477 |
¥52,943,231 |
¥14,043,231 |
| 25 |
2.70% |
¥178,456 |
¥53,536,763 |
¥14,636,763 |
| 25 |
2.80% |
¥180,447 |
¥54,134,154 |
¥15,234,154 |
| 25 |
2.90% |
¥182,451 |
¥54,735,391 |
¥15,835,391 |
| 25 |
3.00% |
¥184,468 |
¥55,340,460 |
¥16,440,460 |
3890万円｜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% |
¥173,741 |
¥41,697,842 |
¥2,797,842 |
| 20 |
0.80% |
¥175,450 |
¥42,107,889 |
¥3,207,889 |
| 20 |
0.90% |
¥177,169 |
¥42,520,520 |
¥3,620,520 |
| 20 |
1.00% |
¥178,899 |
¥42,935,732 |
¥4,035,732 |
| 20 |
1.10% |
¥180,640 |
¥43,353,525 |
¥4,453,525 |
| 20 |
1.20% |
¥182,391 |
¥43,773,895 |
¥4,873,895 |
| 20 |
1.30% |
¥184,153 |
¥44,196,839 |
¥5,296,839 |
| 20 |
1.40% |
¥185,926 |
¥44,622,355 |
¥5,722,355 |
| 20 |
1.50% |
¥187,710 |
¥45,050,439 |
¥6,150,439 |
| 20 |
1.60% |
¥189,505 |
¥45,481,089 |
¥6,581,089 |
| 20 |
1.70% |
¥191,310 |
¥45,914,301 |
¥7,014,301 |
| 20 |
1.80% |
¥193,125 |
¥46,350,070 |
¥7,450,070 |
| 20 |
1.90% |
¥194,952 |
¥46,788,394 |
¥7,888,394 |
| 20 |
2.00% |
¥196,789 |
¥47,229,268 |
¥8,329,268 |
| 20 |
2.10% |
¥198,636 |
¥47,672,688 |
¥8,772,688 |
| 20 |
2.20% |
¥200,494 |
¥48,118,649 |
¥9,218,649 |
| 20 |
2.30% |
¥202,363 |
¥48,567,147 |
¥9,667,147 |
| 20 |
2.40% |
¥204,242 |
¥49,018,177 |
¥10,118,177 |
| 20 |
2.50% |
¥206,132 |
¥49,471,734 |
¥10,571,734 |
| 20 |
2.60% |
¥208,033 |
¥49,927,813 |
¥11,027,813 |
| 20 |
2.70% |
¥209,943 |
¥50,386,407 |
¥11,486,407 |
| 20 |
2.80% |
¥211,865 |
¥50,847,513 |
¥11,947,513 |
| 20 |
2.90% |
¥213,796 |
¥51,311,123 |
¥12,411,123 |
| 20 |
3.00% |
¥215,738 |
¥51,777,232 |
¥12,877,232 |
3890万円｜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% |
¥227,718 |
¥40,989,317 |
¥2,089,317 |
| 15 |
0.80% |
¥229,409 |
¥41,293,618 |
¥2,393,618 |
| 15 |
0.90% |
¥231,108 |
¥41,599,375 |
¥2,699,375 |
| 15 |
1.00% |
¥232,814 |
¥41,906,586 |
¥3,006,586 |
| 15 |
1.10% |
¥234,529 |
¥42,215,250 |
¥3,315,250 |
| 15 |
1.20% |
¥236,252 |
¥42,525,368 |
¥3,625,368 |
| 15 |
1.30% |
¥237,983 |
¥42,836,937 |
¥3,936,937 |
| 15 |
1.40% |
¥239,722 |
¥43,149,957 |
¥4,249,957 |
| 15 |
1.50% |
¥241,469 |
¥43,464,426 |
¥4,564,426 |
| 15 |
1.60% |
¥243,224 |
¥43,780,345 |
¥4,880,345 |
| 15 |
1.70% |
¥244,987 |
¥44,097,710 |
¥5,197,710 |
| 15 |
1.80% |
¥246,758 |
¥44,416,522 |
¥5,516,522 |
| 15 |
1.90% |
¥248,538 |
¥44,736,779 |
¥5,836,779 |
| 15 |
2.00% |
¥250,325 |
¥45,058,479 |
¥6,158,479 |
| 15 |
2.10% |
¥252,120 |
¥45,381,622 |
¥6,481,622 |
| 15 |
2.20% |
¥253,923 |
¥45,706,204 |
¥6,806,204 |
| 15 |
2.30% |
¥255,735 |
¥46,032,226 |
¥7,132,226 |
| 15 |
2.40% |
¥257,554 |
¥46,359,686 |
¥7,459,686 |
| 15 |
2.50% |
¥259,381 |
¥46,688,580 |
¥7,788,580 |
| 15 |
2.60% |
¥261,216 |
¥47,018,909 |
¥8,118,909 |
| 15 |
2.70% |
¥263,059 |
¥47,350,670 |
¥8,450,670 |
| 15 |
2.80% |
¥264,910 |
¥47,683,861 |
¥8,783,861 |
| 15 |
2.90% |
¥266,769 |
¥48,018,481 |
¥9,118,481 |
| 15 |
3.00% |
¥268,636 |
¥48,354,526 |
¥9,454,526 |
3890万円｜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% |
¥335,739 |
¥40,288,723 |
¥1,388,723 |
| 10 |
0.80% |
¥337,414 |
¥40,489,703 |
¥1,589,703 |
| 10 |
0.90% |
¥339,094 |
¥40,691,330 |
¥1,791,330 |
| 10 |
1.00% |
¥340,780 |
¥40,893,604 |
¥1,993,604 |
| 10 |
1.10% |
¥342,471 |
¥41,096,525 |
¥2,196,525 |
| 10 |
1.20% |
¥344,167 |
¥41,300,092 |
¥2,400,092 |
| 10 |
1.30% |
¥345,869 |
¥41,504,306 |
¥2,604,306 |
| 10 |
1.40% |
¥347,576 |
¥41,709,166 |
¥2,809,166 |
| 10 |
1.50% |
¥349,289 |
¥41,914,672 |
¥3,014,672 |
| 10 |
1.60% |
¥351,007 |
¥42,120,824 |
¥3,220,824 |
| 10 |
1.70% |
¥352,730 |
¥42,327,621 |
¥3,427,621 |
| 10 |
1.80% |
¥354,459 |
¥42,535,062 |
¥3,635,062 |
| 10 |
1.90% |
¥356,193 |
¥42,743,149 |
¥3,843,149 |
| 10 |
2.00% |
¥357,932 |
¥42,951,880 |
¥4,051,880 |
| 10 |
2.10% |
¥359,677 |
¥43,161,255 |
¥4,261,255 |
| 10 |
2.20% |
¥361,427 |
¥43,371,274 |
¥4,471,274 |
| 10 |
2.30% |
¥363,183 |
¥43,581,937 |
¥4,681,937 |
| 10 |
2.40% |
¥364,944 |
¥43,793,242 |
¥4,893,242 |
| 10 |
2.50% |
¥366,710 |
¥44,005,190 |
¥5,105,190 |
| 10 |
2.60% |
¥368,482 |
¥44,217,780 |
¥5,317,780 |
| 10 |
2.70% |
¥370,258 |
¥44,431,012 |
¥5,531,012 |
| 10 |
2.80% |
¥372,041 |
¥44,644,886 |
¥5,744,886 |
| 10 |
2.90% |
¥373,828 |
¥44,859,401 |
¥5,959,401 |
| 10 |
3.00% |
¥375,621 |
¥45,074,556 |
¥6,174,556 |
