3960万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。3960万円の住宅ローンが、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。
3960万円の住宅ローン｜期間・年数別
3960万円｜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% |
¥78,241 |
¥46,944,859 |
¥7,344,859 |
| 50 |
0.80% |
¥80,099 |
¥48,059,621 |
¥8,459,621 |
| 50 |
0.90% |
¥81,984 |
¥49,190,606 |
¥9,590,606 |
| 50 |
1.00% |
¥83,896 |
¥50,337,741 |
¥10,737,741 |
| 50 |
1.10% |
¥85,835 |
¥51,500,950 |
¥11,900,950 |
| 50 |
1.20% |
¥87,800 |
¥52,680,146 |
¥13,080,146 |
| 50 |
1.30% |
¥89,792 |
¥53,875,237 |
¥14,275,237 |
| 50 |
1.40% |
¥91,810 |
¥55,086,122 |
¥15,486,122 |
| 50 |
1.50% |
¥93,854 |
¥56,312,695 |
¥16,712,695 |
| 50 |
1.60% |
¥95,925 |
¥57,554,841 |
¥17,954,841 |
| 50 |
1.70% |
¥98,021 |
¥58,812,440 |
¥19,212,440 |
| 50 |
1.80% |
¥100,142 |
¥60,085,365 |
¥20,485,365 |
| 50 |
1.90% |
¥102,289 |
¥61,373,482 |
¥21,773,482 |
| 50 |
2.00% |
¥104,461 |
¥62,676,653 |
¥23,076,653 |
| 50 |
2.10% |
¥106,658 |
¥63,994,733 |
¥24,394,733 |
| 50 |
2.20% |
¥108,879 |
¥65,327,570 |
¥25,727,570 |
| 50 |
2.30% |
¥111,125 |
¥66,675,010 |
¥27,075,010 |
| 50 |
2.40% |
¥113,395 |
¥68,036,890 |
¥28,436,890 |
| 50 |
2.50% |
¥115,688 |
¥69,413,046 |
¥29,813,046 |
| 50 |
2.60% |
¥118,006 |
¥70,803,308 |
¥31,203,308 |
| 50 |
2.70% |
¥120,346 |
¥72,207,500 |
¥32,607,500 |
| 50 |
2.80% |
¥122,709 |
¥73,625,443 |
¥34,025,443 |
| 50 |
2.90% |
¥125,095 |
¥75,056,957 |
¥35,456,957 |
| 50 |
3.00% |
¥127,503 |
¥76,501,854 |
¥36,901,854 |
3960万円｜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% |
¥85,510 |
¥46,175,356 |
¥6,575,356 |
| 45 |
0.80% |
¥87,348 |
¥47,167,816 |
¥7,567,816 |
| 45 |
0.90% |
¥89,210 |
¥48,173,455 |
¥8,573,455 |
| 45 |
1.00% |
¥91,097 |
¥49,192,228 |
¥9,592,228 |
| 45 |
1.10% |
¥93,008 |
¥50,224,081 |
¥10,624,081 |
| 45 |
1.20% |
¥94,943 |
¥51,268,958 |
¥11,668,958 |
| 45 |
1.30% |
¥96,901 |
¥52,326,798 |
¥12,726,798 |
| 45 |
1.40% |
¥98,884 |
¥53,397,534 |
¥13,797,534 |
| 45 |
1.50% |
¥100,891 |
¥54,481,094 |
¥14,881,094 |
| 45 |
1.60% |
¥102,921 |
¥55,577,403 |
¥15,977,403 |
| 45 |
1.70% |
¥104,975 |
¥56,686,380 |
¥17,086,380 |
| 45 |
1.80% |
¥107,052 |
¥57,807,940 |
¥18,207,940 |
| 45 |
1.90% |
¥109,152 |
¥58,941,995 |
¥19,341,995 |
| 45 |
2.00% |
¥111,275 |
¥60,088,450 |
¥20,488,450 |
| 45 |
2.10% |
¥113,421 |
¥61,247,208 |
¥21,647,208 |
| 45 |
2.20% |
¥115,589 |
¥62,418,168 |
¥22,818,168 |
| 45 |
2.30% |
¥117,780 |
¥63,601,225 |
¥24,001,225 |
| 45 |
2.40% |
¥119,993 |
¥64,796,269 |
¥25,196,269 |
| 45 |
2.50% |
¥122,228 |
¥66,003,189 |
¥26,403,189 |
| 45 |
2.60% |
¥124,485 |
¥67,221,869 |
¥27,621,869 |
| 45 |
2.70% |
¥126,763 |
¥68,452,189 |
¥28,852,189 |
| 45 |
2.80% |
¥129,063 |
¥69,694,028 |
¥30,094,028 |
| 45 |
2.90% |
¥131,384 |
¥70,947,261 |
¥31,347,261 |
| 45 |
3.00% |
¥133,725 |
¥72,211,760 |
¥32,611,760 |
3960万円｜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% |
¥94,612 |
¥45,413,856 |
¥5,813,856 |
| 40 |
0.80% |
¥96,430 |
¥46,286,431 |
¥6,686,431 |
| 40 |
0.90% |
¥98,270 |
¥47,169,448 |
¥7,569,448 |
| 40 |
1.00% |
¥100,131 |
¥48,062,877 |
¥8,462,877 |
| 40 |
1.10% |
¥102,014 |
¥48,966,685 |
¥9,366,685 |
| 40 |
1.20% |
¥103,918 |
¥49,880,837 |
¥10,280,837 |
| 40 |
1.30% |
¥105,844 |
¥50,805,294 |
¥11,205,294 |
| 40 |
1.40% |
¥107,792 |
¥51,740,013 |
¥12,140,013 |
| 40 |
1.50% |
¥109,760 |
¥52,684,949 |
¥13,084,949 |
| 40 |
1.60% |
¥111,750 |
¥53,640,054 |
¥14,040,054 |
| 40 |
1.70% |
¥113,761 |
¥54,605,276 |
¥15,005,276 |
| 40 |
1.80% |
¥115,793 |
¥55,580,563 |
¥15,980,563 |
| 40 |
1.90% |
¥117,846 |
¥56,565,856 |
¥16,965,856 |
| 40 |
2.00% |
¥119,919 |
¥57,561,097 |
¥17,961,097 |
| 40 |
2.10% |
¥122,013 |
¥58,566,224 |
¥18,966,224 |
| 40 |
2.20% |
¥124,127 |
¥59,581,170 |
¥19,981,170 |
| 40 |
2.30% |
¥126,262 |
¥60,605,870 |
¥21,005,870 |
| 40 |
2.40% |
¥128,417 |
¥61,640,252 |
¥22,040,252 |
| 40 |
2.50% |
¥130,592 |
¥62,684,245 |
¥23,084,245 |
| 40 |
2.60% |
¥132,787 |
¥63,737,774 |
¥24,137,774 |
| 40 |
2.70% |
¥135,002 |
¥64,800,763 |
¥25,200,763 |
| 40 |
2.80% |
¥137,236 |
¥65,873,130 |
¥26,273,130 |
| 40 |
2.90% |
¥139,489 |
¥66,954,797 |
¥27,354,797 |
| 40 |
3.00% |
¥141,762 |
¥68,045,679 |
¥28,445,679 |
3960万円｜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% |
¥106,334 |
¥44,660,376 |
¥5,060,376 |
| 35 |
0.80% |
¥108,132 |
¥45,415,495 |
¥5,815,495 |
| 35 |
0.90% |
¥109,949 |
¥46,178,628 |
¥6,578,628 |
| 35 |
1.00% |
¥111,785 |
¥46,949,757 |
¥7,349,757 |
| 35 |
1.10% |
¥113,640 |
¥47,728,863 |
¥8,128,863 |
| 35 |
1.20% |
¥115,514 |
¥48,515,924 |
¥8,915,924 |
| 35 |
1.30% |
¥117,407 |
¥49,310,917 |
¥9,710,917 |
| 35 |
1.40% |
¥119,319 |
¥50,113,817 |
¥10,513,817 |
| 35 |
1.50% |
¥121,249 |
¥50,924,596 |
¥11,324,596 |
| 35 |
1.60% |
¥123,198 |
¥51,743,227 |
¥12,143,227 |
| 35 |
1.70% |
¥125,166 |
¥52,569,678 |
¥12,969,678 |
| 35 |
1.80% |
¥127,152 |
¥53,403,917 |
¥13,803,917 |
| 35 |
1.90% |
¥129,157 |
¥54,245,911 |
¥14,645,911 |
| 35 |
2.00% |
¥131,180 |
¥55,095,624 |
¥15,495,624 |
| 35 |
2.10% |
¥133,221 |
¥55,953,018 |
¥16,353,018 |
| 35 |
2.20% |
¥135,281 |
¥56,818,054 |
¥17,218,054 |
| 35 |
2.30% |
¥137,359 |
¥57,690,692 |
¥18,090,692 |
| 35 |
2.40% |
¥139,455 |
¥58,570,890 |
¥18,970,890 |
| 35 |
2.50% |
¥141,568 |
¥59,458,604 |
¥19,858,604 |
| 35 |
2.60% |
¥143,699 |
¥60,353,789 |
¥20,753,789 |
| 35 |
2.70% |
¥145,849 |
¥61,256,398 |
¥21,656,398 |
| 35 |
2.80% |
¥148,015 |
¥62,166,383 |
¥22,566,383 |
| 35 |
2.90% |
¥150,199 |
¥63,083,695 |
¥23,483,695 |
| 35 |
3.00% |
¥152,401 |
¥64,008,284 |
¥24,408,284 |
3960万円｜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% |
¥121,986 |
¥43,914,930 |
¥4,314,930 |
| 30 |
0.80% |
¥123,764 |
¥44,555,033 |
¥4,955,033 |
| 30 |
0.90% |
¥125,558 |
¥45,201,037 |
¥5,601,037 |
| 30 |
1.00% |
¥127,369 |
¥45,852,930 |
¥6,252,930 |
| 30 |
1.10% |
¥129,196 |
¥46,510,703 |
¥6,910,703 |
| 30 |
1.20% |
¥131,040 |
¥47,174,343 |
¥7,574,343 |
| 30 |
1.30% |
¥132,900 |
¥47,843,839 |
¥8,243,839 |
| 30 |
1.40% |
¥134,775 |
¥48,519,175 |
¥8,919,175 |
| 30 |
1.50% |
¥136,668 |
¥49,200,337 |
¥9,600,337 |
| 30 |
1.60% |
¥138,576 |
¥49,887,310 |
¥10,287,310 |
| 30 |
1.70% |
¥140,500 |
¥50,580,076 |
¥10,980,076 |
| 30 |
1.80% |
¥142,441 |
¥51,278,618 |
¥11,678,618 |
| 30 |
1.90% |
¥144,397 |
¥51,982,916 |
¥12,382,916 |
| 30 |
2.00% |
¥146,369 |
¥52,692,952 |
¥13,092,952 |
| 30 |
2.10% |
¥148,358 |
¥53,408,704 |
¥13,808,704 |
| 30 |
2.20% |
¥150,362 |
¥54,130,152 |
¥14,530,152 |
| 30 |
2.30% |
¥152,381 |
¥54,857,272 |
¥15,257,272 |
| 30 |
2.40% |
¥154,417 |
¥55,590,041 |
¥15,990,041 |
| 30 |
2.50% |
¥156,468 |
¥56,328,435 |
¥16,728,435 |
| 30 |
2.60% |
¥158,535 |
¥57,072,429 |
¥17,472,429 |
| 30 |
2.70% |
¥160,617 |
¥57,821,997 |
¥18,221,997 |
| 30 |
2.80% |
¥162,714 |
¥58,577,112 |
¥18,977,112 |
| 30 |
2.90% |
¥164,827 |
¥59,337,746 |
¥19,737,746 |
| 30 |
3.00% |
¥166,955 |
¥60,103,871 |
¥20,503,871 |
3960万円｜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% |
¥143,925 |
¥43,177,530 |
¥3,577,530 |
| 25 |
0.80% |
¥145,684 |
¥43,705,067 |
¥4,105,067 |
| 25 |
0.90% |
¥147,456 |
¥44,236,707 |
¥4,636,707 |
| 25 |
1.00% |
¥149,241 |
¥44,772,448 |
¥5,172,448 |
| 25 |
1.10% |
¥151,041 |
¥45,312,282 |
¥5,712,282 |
| 25 |
1.20% |
¥152,854 |
¥45,856,204 |
¥6,256,204 |
| 25 |
1.30% |
¥154,681 |
¥46,404,209 |
¥6,804,209 |
| 25 |
1.40% |
¥156,521 |
¥46,956,288 |
¥7,356,288 |
| 25 |
1.50% |
¥158,375 |
¥47,512,436 |
¥7,912,436 |
| 25 |
1.60% |
¥160,242 |
¥48,072,643 |
¥8,472,643 |
| 25 |
1.70% |
¥162,123 |
¥48,636,901 |
¥9,036,901 |
| 25 |
1.80% |
¥164,017 |
¥49,205,202 |
¥9,605,202 |
| 25 |
1.90% |
¥165,925 |
¥49,777,537 |
¥10,177,537 |
| 25 |
2.00% |
¥167,846 |
¥50,353,895 |
¥10,753,895 |
| 25 |
2.10% |
¥169,781 |
¥50,934,267 |
¥11,334,267 |
| 25 |
2.20% |
¥171,729 |
¥51,518,642 |
¥11,918,642 |
| 25 |
2.30% |
¥173,690 |
¥52,107,008 |
¥12,507,008 |
| 25 |
2.40% |
¥175,665 |
¥52,699,354 |
¥13,099,354 |
| 25 |
2.50% |
¥177,652 |
¥53,295,668 |
¥13,695,668 |
| 25 |
2.60% |
¥179,653 |
¥53,895,937 |
¥14,295,937 |
| 25 |
2.70% |
¥181,667 |
¥54,500,149 |
¥14,900,149 |
| 25 |
2.80% |
¥183,694 |
¥55,108,290 |
¥15,508,290 |
| 25 |
2.90% |
¥185,734 |
¥55,720,347 |
¥16,120,347 |
| 25 |
3.00% |
¥187,788 |
¥56,336,304 |
¥16,736,304 |
3960万円｜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% |
¥176,867 |
¥42,448,189 |
¥2,848,189 |
| 20 |
0.80% |
¥178,607 |
¥42,865,614 |
¥3,265,614 |
| 20 |
0.90% |
¥180,357 |
¥43,285,670 |
¥3,685,670 |
| 20 |
1.00% |
¥182,118 |
¥43,708,355 |
¥4,108,355 |
| 20 |
1.10% |
¥183,890 |
¥44,133,666 |
¥4,533,666 |
| 20 |
1.20% |
¥185,673 |
¥44,561,600 |
¥4,961,600 |
| 20 |
1.30% |
¥187,467 |
¥44,992,155 |
¥5,392,155 |
| 20 |
1.40% |
¥189,272 |
¥45,425,328 |
¥5,825,328 |
| 20 |
1.50% |
¥191,088 |
¥45,861,116 |
¥6,261,116 |
| 20 |
1.60% |
¥192,915 |
¥46,299,515 |
¥6,699,515 |
| 20 |
1.70% |
¥194,752 |
¥46,740,522 |
¥7,140,522 |
| 20 |
1.80% |
¥196,601 |
¥47,184,133 |
¥7,584,133 |
| 20 |
1.90% |
¥198,460 |
¥47,630,345 |
¥8,030,345 |
| 20 |
2.00% |
¥200,330 |
¥48,079,152 |
¥8,479,152 |
| 20 |
2.10% |
¥202,211 |
¥48,530,551 |
¥8,930,551 |
| 20 |
2.20% |
¥204,102 |
¥48,984,538 |
¥9,384,538 |
| 20 |
2.30% |
¥206,005 |
¥49,441,106 |
¥9,841,106 |
| 20 |
2.40% |
¥207,918 |
¥49,900,252 |
¥10,300,252 |
| 20 |
2.50% |
¥209,842 |
¥50,361,971 |
¥10,761,971 |
| 20 |
2.60% |
¥211,776 |
¥50,826,256 |
¥11,226,256 |
| 20 |
2.70% |
¥213,721 |
¥51,293,103 |
¥11,693,103 |
| 20 |
2.80% |
¥215,677 |
¥51,762,506 |
¥12,162,506 |
| 20 |
2.90% |
¥217,644 |
¥52,234,459 |
¥12,634,459 |
| 20 |
3.00% |
¥219,621 |
¥52,708,956 |
¥13,108,956 |
3960万円｜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% |
¥231,816 |
¥41,726,914 |
¥2,126,914 |
| 15 |
0.80% |
¥233,537 |
¥42,036,691 |
¥2,436,691 |
| 15 |
0.90% |
¥235,266 |
¥42,347,950 |
¥2,747,950 |
| 15 |
1.00% |
¥237,004 |
¥42,660,689 |
¥3,060,689 |
| 15 |
1.10% |
¥238,749 |
¥42,974,908 |
¥3,374,908 |
| 15 |
1.20% |
¥240,503 |
¥43,290,606 |
¥3,690,606 |
| 15 |
1.30% |
¥242,265 |
¥43,607,781 |
¥4,007,781 |
| 15 |
1.40% |
¥244,036 |
¥43,926,434 |
¥4,326,434 |
| 15 |
1.50% |
¥245,814 |
¥44,246,562 |
¥4,646,562 |
| 15 |
1.60% |
¥247,601 |
¥44,568,166 |
¥4,968,166 |
| 15 |
1.70% |
¥249,396 |
¥44,891,242 |
¥5,291,242 |
| 15 |
1.80% |
¥251,199 |
¥45,215,791 |
¥5,615,791 |
| 15 |
1.90% |
¥253,010 |
¥45,541,811 |
¥5,941,811 |
| 15 |
2.00% |
¥254,829 |
¥45,869,300 |
¥6,269,300 |
| 15 |
2.10% |
¥256,657 |
¥46,198,257 |
¥6,598,257 |
| 15 |
2.20% |
¥258,493 |
¥46,528,681 |
¥6,928,681 |
| 15 |
2.30% |
¥260,336 |
¥46,860,570 |
¥7,260,570 |
| 15 |
2.40% |
¥262,188 |
¥47,193,922 |
¥7,593,922 |
| 15 |
2.50% |
¥264,049 |
¥47,528,735 |
¥7,928,735 |
| 15 |
2.60% |
¥265,917 |
¥47,865,008 |
¥8,265,008 |
| 15 |
2.70% |
¥267,793 |
¥48,202,739 |
¥8,602,739 |
| 15 |
2.80% |
¥269,677 |
¥48,541,926 |
¥8,941,926 |
| 15 |
2.90% |
¥271,570 |
¥48,882,566 |
¥9,282,566 |
| 15 |
3.00% |
¥273,470 |
¥49,224,659 |
¥9,624,659 |
3960万円｜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% |
¥341,781 |
¥41,013,713 |
¥1,413,713 |
| 10 |
0.80% |
¥343,486 |
¥41,218,309 |
¥1,618,309 |
| 10 |
0.90% |
¥345,196 |
¥41,423,565 |
¥1,823,565 |
| 10 |
1.00% |
¥346,912 |
¥41,629,478 |
¥2,029,478 |
| 10 |
1.10% |
¥348,634 |
¥41,836,051 |
¥2,236,051 |
| 10 |
1.20% |
¥350,361 |
¥42,043,282 |
¥2,443,282 |
| 10 |
1.30% |
¥352,093 |
¥42,251,170 |
¥2,651,170 |
| 10 |
1.40% |
¥353,831 |
¥42,459,717 |
¥2,859,717 |
| 10 |
1.50% |
¥355,574 |
¥42,668,921 |
¥3,068,921 |
| 10 |
1.60% |
¥357,323 |
¥42,878,782 |
¥3,278,782 |
| 10 |
1.70% |
¥359,078 |
¥43,089,300 |
¥3,489,300 |
| 10 |
1.80% |
¥360,837 |
¥43,300,475 |
¥3,700,475 |
| 10 |
1.90% |
¥362,603 |
¥43,512,306 |
¥3,912,306 |
| 10 |
2.00% |
¥364,373 |
¥43,724,793 |
¥4,124,793 |
| 10 |
2.10% |
¥366,149 |
¥43,937,936 |
¥4,337,936 |
| 10 |
2.20% |
¥367,931 |
¥44,151,734 |
¥4,551,734 |
| 10 |
2.30% |
¥369,718 |
¥44,366,188 |
¥4,766,188 |
| 10 |
2.40% |
¥371,511 |
¥44,581,295 |
¥4,981,295 |
| 10 |
2.50% |
¥373,309 |
¥44,797,057 |
¥5,197,057 |
| 10 |
2.60% |
¥375,112 |
¥45,013,473 |
¥5,413,473 |
| 10 |
2.70% |
¥376,921 |
¥45,230,542 |
¥5,630,542 |
| 10 |
2.80% |
¥378,736 |
¥45,448,264 |
¥5,848,264 |
| 10 |
2.90% |
¥380,555 |
¥45,666,639 |
¥6,066,639 |
| 10 |
3.00% |
¥382,381 |
¥45,885,666 |
¥6,285,666 |
