3970万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。3970万円の住宅ローンが、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。
3970万円の住宅ローン｜期間・年数別
3970万円｜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% | ¥78,439 | ¥47,063,406 | ¥7,363,406 |
| 50 | 0.80% | ¥80,302 | ¥48,180,984 | ¥8,480,984 |
| 50 | 0.90% | ¥82,191 | ¥49,314,824 | ¥9,614,824 |
| 50 | 1.00% | ¥84,108 | ¥50,464,857 | ¥10,764,857 |
| 50 | 1.10% | ¥86,052 | ¥51,631,003 | ¥11,931,003 |
| 50 | 1.20% | ¥88,022 | ¥52,813,177 | ¥13,113,177 |
| 50 | 1.30% | ¥90,019 | ¥54,011,286 | ¥14,311,286 |
| 50 | 1.40% | ¥92,042 | ¥55,225,229 | ¥15,525,229 |
| 50 | 1.50% | ¥94,091 | ¥56,454,899 | ¥16,754,899 |
| 50 | 1.60% | ¥96,167 | ¥57,700,182 | ¥18,000,182 |
| 50 | 1.70% | ¥98,268 | ¥58,960,956 | ¥19,260,956 |
| 50 | 1.80% | ¥100,395 | ¥60,237,096 | ¥20,537,096 |
| 50 | 1.90% | ¥102,547 | ¥61,528,466 | ¥21,828,466 |
| 50 | 2.00% | ¥104,725 | ¥62,834,928 | ¥23,134,928 |
| 50 | 2.10% | ¥106,927 | ¥64,156,336 | ¥24,456,336 |
| 50 | 2.20% | ¥109,154 | ¥65,492,539 | ¥25,792,539 |
| 50 | 2.30% | ¥111,406 | ¥66,843,381 | ¥27,143,381 |
| 50 | 2.40% | ¥113,681 | ¥68,208,701 | ¥28,508,701 |
| 50 | 2.50% | ¥115,981 | ¥69,588,332 | ¥29,888,332 |
| 50 | 2.60% | ¥118,304 | ¥70,982,104 | ¥31,282,104 |
| 50 | 2.70% | ¥120,650 | ¥72,389,842 | ¥32,689,842 |
| 50 | 2.80% | ¥123,019 | ¥73,811,366 | ¥34,111,366 |
| 50 | 2.90% | ¥125,411 | ¥75,246,494 | ¥35,546,494 |
| 50 | 3.00% | ¥127,825 | ¥76,695,040 | ¥36,995,040 |
3970万円｜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% | ¥85,726 | ¥46,291,961 | ¥6,591,961 |
| 45 | 0.80% | ¥87,568 | ¥47,286,927 | ¥7,586,927 |
| 45 | 0.90% | ¥89,435 | ¥48,295,106 | ¥8,595,106 |
| 45 | 1.00% | ¥91,327 | ¥49,316,450 | ¥9,616,450 |
| 45 | 1.10% | ¥93,242 | ¥50,350,909 | ¥10,650,909 |
| 45 | 1.20% | ¥95,182 | ¥51,398,425 | ¥11,698,425 |
| 45 | 1.30% | ¥97,146 | ¥52,458,937 | ¥12,758,937 |
| 45 | 1.40% | ¥99,134 | ¥53,532,376 | ¥13,832,376 |
| 45 | 1.50% | ¥101,146 | ¥54,618,673 | ¥14,918,673 |
| 45 | 1.60% | ¥103,181 | ¥55,717,750 | ¥16,017,750 |
| 45 | 1.70% | ¥105,240 | ¥56,829,528 | ¥17,129,528 |
| 45 | 1.80% | ¥107,322 | ¥57,953,920 | ¥18,253,920 |
| 45 | 1.90% | ¥109,427 | ¥59,090,838 | ¥19,390,838 |
| 45 | 2.00% | ¥111,556 | ¥60,240,188 | ¥20,540,188 |
| 45 | 2.10% | ¥113,707 | ¥61,401,873 | ¥21,701,873 |
| 45 | 2.20% | ¥115,881 | ¥62,575,790 | ¥22,875,790 |
| 45 | 2.30% | ¥118,077 | ¥63,761,834 | ¥24,061,834 |
| 45 | 2.40% | ¥120,296 | ¥64,959,896 | ¥25,259,896 |
| 45 | 2.50% | ¥122,537 | ¥66,169,864 | ¥26,469,864 |
| 45 | 2.60% | ¥124,799 | ¥67,391,621 | ¥27,691,621 |
| 45 | 2.70% | ¥127,083 | ¥68,625,048 | ¥28,925,048 |
| 45 | 2.80% | ¥129,389 | ¥69,870,023 | ¥30,170,023 |
| 45 | 2.90% | ¥131,716 | ¥71,126,421 | ¥31,426,421 |
| 45 | 3.00% | ¥134,063 | ¥72,394,113 | ¥32,694,113 |
3970万円｜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% | ¥94,851 | ¥45,528,538 | ¥5,828,538 |
| 40 | 0.80% | ¥96,674 | ¥46,403,316 | ¥6,703,316 |
| 40 | 0.90% | ¥98,518 | ¥47,288,563 | ¥7,588,563 |
| 40 | 1.00% | ¥100,384 | ¥48,184,248 | ¥8,484,248 |
| 40 | 1.10% | ¥102,272 | ¥49,090,339 | ¥9,390,339 |
| 40 | 1.20% | ¥104,181 | ¥50,006,799 | ¥10,306,799 |
| 40 | 1.30% | ¥106,112 | ¥50,933,590 | ¥11,233,590 |
| 40 | 1.40% | ¥108,064 | ¥51,870,669 | ¥12,170,669 |
| 40 | 1.50% | ¥110,037 | ¥52,817,991 | ¥13,117,991 |
| 40 | 1.60% | ¥112,032 | ¥53,775,508 | ¥14,075,508 |
| 40 | 1.70% | ¥114,048 | ¥54,743,168 | ¥15,043,168 |
| 40 | 1.80% | ¥116,085 | ¥55,720,918 | ¥16,020,918 |
| 40 | 1.90% | ¥118,143 | ¥56,708,699 | ¥17,008,699 |
| 40 | 2.00% | ¥120,222 | ¥57,706,454 | ¥18,006,454 |
| 40 | 2.10% | ¥122,321 | ¥58,714,118 | ¥19,014,118 |
| 40 | 2.20% | ¥124,441 | ¥59,731,628 | ¥20,031,628 |
| 40 | 2.30% | ¥126,581 | ¥60,758,915 | ¥21,058,915 |
| 40 | 2.40% | ¥128,741 | ¥61,795,910 | ¥22,095,910 |
| 40 | 2.50% | ¥130,922 | ¥62,842,539 | ¥23,142,539 |
| 40 | 2.60% | ¥133,122 | ¥63,898,728 | ¥24,198,728 |
| 40 | 2.70% | ¥135,343 | ¥64,964,401 | ¥25,264,401 |
| 40 | 2.80% | ¥137,582 | ¥66,039,477 | ¥26,339,477 |
| 40 | 2.90% | ¥139,841 | ¥67,123,875 | ¥27,423,875 |
| 40 | 3.00% | ¥142,120 | ¥68,217,511 | ¥28,517,511 |
3970万円｜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% | ¥106,603 | ¥44,773,155 | ¥5,073,155 |
| 35 | 0.80% | ¥108,405 | ¥45,530,181 | ¥5,830,181 |
| 35 | 0.90% | ¥110,227 | ¥46,295,241 | ¥6,595,241 |
| 35 | 1.00% | ¥112,067 | ¥47,068,317 | ¥7,368,317 |
| 35 | 1.10% | ¥113,927 | ¥47,849,391 | ¥8,149,391 |
| 35 | 1.20% | ¥115,806 | ¥48,638,439 | ¥8,938,439 |
| 35 | 1.30% | ¥117,703 | ¥49,435,439 | ¥9,735,439 |
| 35 | 1.40% | ¥119,620 | ¥50,240,367 | ¥10,540,367 |
| 35 | 1.50% | ¥121,555 | ¥51,053,193 | ¥11,353,193 |
| 35 | 1.60% | ¥123,509 | ¥51,873,891 | ¥12,173,891 |
| 35 | 1.70% | ¥125,482 | ¥52,702,430 | ¥13,002,430 |
| 35 | 1.80% | ¥127,473 | ¥53,538,776 | ¥13,838,776 |
| 35 | 1.90% | ¥129,483 | ¥54,382,896 | ¥14,682,896 |
| 35 | 2.00% | ¥131,511 | ¥55,234,754 | ¥15,534,754 |
| 35 | 2.10% | ¥133,558 | ¥56,094,313 | ¥16,394,313 |
| 35 | 2.20% | ¥135,623 | ¥56,961,534 | ¥17,261,534 |
| 35 | 2.30% | ¥137,706 | ¥57,836,376 | ¥18,136,376 |
| 35 | 2.40% | ¥139,807 | ¥58,718,797 | ¥19,018,797 |
| 35 | 2.50% | ¥141,926 | ¥59,608,752 | ¥19,908,752 |
| 35 | 2.60% | ¥144,062 | ¥60,506,198 | ¥20,806,198 |
| 35 | 2.70% | ¥146,217 | ¥61,411,086 | ¥21,711,086 |
| 35 | 2.80% | ¥148,389 | ¥62,323,369 | ¥22,623,369 |
| 35 | 2.90% | ¥150,579 | ¥63,242,998 | ¥23,542,998 |
| 35 | 3.00% | ¥152,786 | ¥64,169,921 | ¥24,469,921 |
3970万円｜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% | ¥122,294 | ¥44,025,826 | ¥4,325,826 |
| 30 | 0.80% | ¥124,077 | ¥44,667,546 | ¥4,967,546 |
| 30 | 0.90% | ¥125,876 | ¥45,315,181 | ¥5,615,181 |
| 30 | 1.00% | ¥127,691 | ¥45,968,720 | ¥6,268,720 |
| 30 | 1.10% | ¥129,523 | ¥46,628,154 | ¥6,928,154 |
| 30 | 1.20% | ¥131,371 | ¥47,293,471 | ¥7,593,471 |
| 30 | 1.30% | ¥133,235 | ¥47,964,656 | ¥8,264,656 |
| 30 | 1.40% | ¥135,116 | ¥48,641,698 | ¥8,941,698 |
| 30 | 1.50% | ¥137,013 | ¥49,324,580 | ¥9,624,580 |
| 30 | 1.60% | ¥138,926 | ¥50,013,288 | ¥10,313,288 |
| 30 | 1.70% | ¥140,855 | ¥50,707,803 | ¥11,007,803 |
| 30 | 1.80% | ¥142,800 | ¥51,408,109 | ¥11,708,109 |
| 30 | 1.90% | ¥144,762 | ¥52,114,186 | ¥12,414,186 |
| 30 | 2.00% | ¥146,739 | ¥52,826,015 | ¥13,126,015 |
| 30 | 2.10% | ¥148,732 | ¥53,543,575 | ¥13,843,575 |
| 30 | 2.20% | ¥150,741 | ¥54,266,844 | ¥14,566,844 |
| 30 | 2.30% | ¥152,766 | ¥54,995,800 | ¥15,295,800 |
| 30 | 2.40% | ¥154,807 | ¥55,730,420 | ¥16,030,420 |
| 30 | 2.50% | ¥156,863 | ¥56,470,679 | ¥16,770,679 |
| 30 | 2.60% | ¥158,935 | ¥57,216,552 | ¥17,516,552 |
| 30 | 2.70% | ¥161,022 | ¥57,968,012 | ¥18,268,012 |
| 30 | 2.80% | ¥163,125 | ¥58,725,034 | ¥19,025,034 |
| 30 | 2.90% | ¥165,243 | ¥59,487,589 | ¥19,787,589 |
| 30 | 3.00% | ¥167,377 | ¥60,255,649 | ¥20,555,649 |
3970万円｜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% | ¥144,289 | ¥43,286,565 | ¥3,586,565 |
| 25 | 0.80% | ¥146,051 | ¥43,815,433 | ¥4,115,433 |
| 25 | 0.90% | ¥147,828 | ¥44,348,416 | ¥4,648,416 |
| 25 | 1.00% | ¥149,618 | ¥44,885,509 | ¥5,185,509 |
| 25 | 1.10% | ¥151,422 | ¥45,426,707 | ¥5,726,707 |
| 25 | 1.20% | ¥153,240 | ¥45,972,003 | ¥6,272,003 |
| 25 | 1.30% | ¥155,071 | ¥46,521,391 | ¥6,821,391 |
| 25 | 1.40% | ¥156,916 | ¥47,074,865 | ¥7,374,865 |
| 25 | 1.50% | ¥158,775 | ¥47,632,416 | ¥7,932,416 |
| 25 | 1.60% | ¥160,647 | ¥48,194,038 | ¥8,494,038 |
| 25 | 1.70% | ¥162,532 | ¥48,759,722 | ¥9,059,722 |
| 25 | 1.80% | ¥164,432 | ¥49,329,458 | ¥9,629,458 |
| 25 | 1.90% | ¥166,344 | ¥49,903,238 | ¥10,203,238 |
| 25 | 2.00% | ¥168,270 | ¥50,481,052 | ¥10,781,052 |
| 25 | 2.10% | ¥170,210 | ¥51,062,889 | ¥11,362,889 |
| 25 | 2.20% | ¥172,162 | ¥51,648,739 | ¥11,948,739 |
| 25 | 2.30% | ¥174,129 | ¥52,238,591 | ¥12,538,591 |
| 25 | 2.40% | ¥176,108 | ¥52,832,433 | ¥13,132,433 |
| 25 | 2.50% | ¥178,101 | ¥53,430,253 | ¥13,730,253 |
| 25 | 2.60% | ¥180,107 | ¥54,032,038 | ¥14,332,038 |
| 25 | 2.70% | ¥182,126 | ¥54,637,776 | ¥14,937,776 |
| 25 | 2.80% | ¥184,158 | ¥55,247,453 | ¥15,547,453 |
| 25 | 2.90% | ¥186,204 | ¥55,861,055 | ¥16,161,055 |
| 25 | 3.00% | ¥188,262 | ¥56,478,567 | ¥16,778,567 |
3970万円｜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% | ¥177,314 | ¥42,555,381 | ¥2,855,381 |
| 20 | 0.80% | ¥179,058 | ¥42,973,861 | ¥3,273,861 |
| 20 | 0.90% | ¥180,812 | ¥43,394,978 | ¥3,694,978 |
| 20 | 1.00% | ¥182,578 | ¥43,818,730 | ¥4,118,730 |
| 20 | 1.10% | ¥184,355 | ¥44,245,114 | ¥4,545,114 |
| 20 | 1.20% | ¥186,142 | ¥44,674,129 | ¥4,974,129 |
| 20 | 1.30% | ¥187,941 | ¥45,105,771 | ¥5,405,771 |
| 20 | 1.40% | ¥189,750 | ¥45,540,038 | ¥5,840,038 |
| 20 | 1.50% | ¥191,571 | ¥45,976,927 | ¥6,276,927 |
| 20 | 1.60% | ¥193,402 | ¥46,416,433 | ¥6,716,433 |
| 20 | 1.70% | ¥195,244 | ¥46,858,554 | ¥7,158,554 |
| 20 | 1.80% | ¥197,097 | ¥47,303,285 | ¥7,603,285 |
| 20 | 1.90% | ¥198,961 | ¥47,750,623 | ¥8,050,623 |
| 20 | 2.00% | ¥200,836 | ¥48,200,564 | ¥8,500,564 |
| 20 | 2.10% | ¥202,721 | ¥48,653,103 | ¥8,953,103 |
| 20 | 2.20% | ¥204,618 | ¥49,108,236 | ¥9,408,236 |
| 20 | 2.30% | ¥206,525 | ¥49,565,958 | ¥9,865,958 |
| 20 | 2.40% | ¥208,443 | ¥50,026,263 | ¥10,326,263 |
| 20 | 2.50% | ¥210,371 | ¥50,489,148 | ¥10,789,148 |
| 20 | 2.60% | ¥212,311 | ¥50,954,606 | ¥11,254,606 |
| 20 | 2.70% | ¥214,261 | ¥51,422,632 | ¥11,722,632 |
| 20 | 2.80% | ¥216,222 | ¥51,893,220 | ¥12,193,220 |
| 20 | 2.90% | ¥218,193 | ¥52,366,364 | ¥12,666,364 |
| 20 | 3.00% | ¥220,175 | ¥52,842,059 | ¥13,142,059 |
3970万円｜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% | ¥232,402 | ¥41,832,285 | ¥2,132,285 |
| 15 | 0.80% | ¥234,127 | ¥42,142,845 | ¥2,442,845 |
| 15 | 0.90% | ¥235,860 | ¥42,454,889 | ¥2,754,889 |
| 15 | 1.00% | ¥237,602 | ¥42,768,418 | ¥3,068,418 |
| 15 | 1.10% | ¥239,352 | ¥43,083,430 | ¥3,383,430 |
| 15 | 1.20% | ¥241,111 | ¥43,399,925 | ¥3,699,925 |
| 15 | 1.30% | ¥242,877 | ¥43,717,902 | ¥4,017,902 |
| 15 | 1.40% | ¥244,652 | ¥44,037,359 | ¥4,337,359 |
| 15 | 1.50% | ¥246,435 | ¥44,358,296 | ¥4,658,296 |
| 15 | 1.60% | ¥248,226 | ¥44,680,712 | ¥4,980,712 |
| 15 | 1.70% | ¥250,026 | ¥45,004,604 | ¥5,304,604 |
| 15 | 1.80% | ¥251,833 | ¥45,329,972 | ¥5,629,972 |
| 15 | 1.90% | ¥253,649 | ¥45,656,816 | ¥5,956,816 |
| 15 | 2.00% | ¥255,473 | ¥45,985,132 | ¥6,285,132 |
| 15 | 2.10% | ¥257,305 | ¥46,314,920 | ¥6,614,920 |
| 15 | 2.20% | ¥259,145 | ¥46,646,178 | ¥6,946,178 |
| 15 | 2.30% | ¥260,994 | ¥46,978,904 | ¥7,278,904 |
| 15 | 2.40% | ¥262,851 | ¥47,313,098 | ¥7,613,098 |
| 15 | 2.50% | ¥264,715 | ¥47,648,757 | ¥7,948,757 |
| 15 | 2.60% | ¥266,588 | ¥47,985,879 | ¥8,285,879 |
| 15 | 2.70% | ¥268,469 | ¥48,324,463 | ¥8,624,463 |
| 15 | 2.80% | ¥270,358 | ¥48,664,506 | ¥8,964,506 |
| 15 | 2.90% | ¥272,256 | ¥49,006,007 | ¥9,306,007 |
| 15 | 3.00% | ¥274,161 | ¥49,348,964 | ¥9,648,964 |
3970万円｜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% | ¥342,644 | ¥41,117,283 | ¥1,417,283 |
| 10 | 0.80% | ¥344,353 | ¥41,322,396 | ¥1,622,396 |
| 10 | 0.90% | ¥346,068 | ¥41,528,169 | ¥1,828,169 |
| 10 | 1.00% | ¥347,788 | ¥41,734,603 | ¥2,034,603 |
| 10 | 1.10% | ¥349,514 | ¥41,941,697 | ¥2,241,697 |
| 10 | 1.20% | ¥351,245 | ¥42,149,451 | ¥2,449,451 |
| 10 | 1.30% | ¥352,982 | ¥42,357,865 | ¥2,657,865 |
| 10 | 1.40% | ¥354,724 | ¥42,566,938 | ¥2,866,938 |
| 10 | 1.50% | ¥356,472 | ¥42,776,671 | ¥3,076,671 |
| 10 | 1.60% | ¥358,226 | ¥42,987,062 | ¥3,287,062 |
| 10 | 1.70% | ¥359,984 | ¥43,198,111 | ¥3,498,111 |
| 10 | 1.80% | ¥361,748 | ¥43,409,820 | ¥3,709,820 |
| 10 | 1.90% | ¥363,518 | ¥43,622,186 | ¥3,922,186 |
| 10 | 2.00% | ¥365,293 | ¥43,835,209 | ¥4,135,209 |
| 10 | 2.10% | ¥367,074 | ¥44,048,891 | ¥4,348,891 |
| 10 | 2.20% | ¥368,860 | ¥44,263,229 | ¥4,563,229 |
| 10 | 2.30% | ¥370,652 | ¥44,478,223 | ¥4,778,223 |
| 10 | 2.40% | ¥372,449 | ¥44,693,874 | ¥4,993,874 |
| 10 | 2.50% | ¥374,252 | ¥44,910,181 | ¥5,210,181 |
| 10 | 2.60% | ¥376,060 | ¥45,127,143 | ¥5,427,143 |
| 10 | 2.70% | ¥377,873 | ¥45,344,761 | ¥5,644,761 |
| 10 | 2.80% | ¥379,692 | ¥45,563,033 | ¥5,863,033 |
| 10 | 2.90% | ¥381,516 | ¥45,781,959 | ¥6,081,959 |
| 10 | 3.00% | ¥383,346 | ¥46,001,539 | ¥6,301,539 |
