3990万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。3990万円の住宅ローンが、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。
3990万円の住宅ローン｜期間・年数別
3990万円｜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% | ¥78,834 | ¥47,300,502 | ¥7,400,502 |
| 50 | 0.80% | ¥80,706 | ¥48,423,709 | ¥8,523,709 |
| 50 | 0.90% | ¥82,605 | ¥49,563,262 | ¥9,663,262 |
| 50 | 1.00% | ¥84,532 | ¥50,719,088 | ¥10,819,088 |
| 50 | 1.10% | ¥86,485 | ¥51,891,109 | ¥11,991,109 |
| 50 | 1.20% | ¥88,465 | ¥53,079,238 | ¥13,179,238 |
| 50 | 1.30% | ¥90,472 | ¥54,283,383 | ¥14,383,383 |
| 50 | 1.40% | ¥92,506 | ¥55,503,441 | ¥15,603,441 |
| 50 | 1.50% | ¥94,566 | ¥56,739,306 | ¥16,839,306 |
| 50 | 1.60% | ¥96,651 | ¥57,990,863 | ¥18,090,863 |
| 50 | 1.70% | ¥98,763 | ¥59,257,989 | ¥19,357,989 |
| 50 | 1.80% | ¥100,901 | ¥60,540,557 | ¥20,640,557 |
| 50 | 1.90% | ¥103,064 | ¥61,838,433 | ¥21,938,433 |
| 50 | 2.00% | ¥105,252 | ¥63,151,477 | ¥23,251,477 |
| 50 | 2.10% | ¥107,466 | ¥64,479,541 | ¥24,579,541 |
| 50 | 2.20% | ¥109,704 | ¥65,822,476 | ¥25,922,476 |
| 50 | 2.30% | ¥111,967 | ¥67,180,123 | ¥27,280,123 |
| 50 | 2.40% | ¥114,254 | ¥68,552,321 | ¥28,652,321 |
| 50 | 2.50% | ¥116,565 | ¥69,938,903 | ¥30,038,903 |
| 50 | 2.60% | ¥118,899 | ¥71,339,696 | ¥31,439,696 |
| 50 | 2.70% | ¥121,258 | ¥72,754,526 | ¥32,854,526 |
| 50 | 2.80% | ¥123,639 | ¥74,183,212 | ¥34,283,212 |
| 50 | 2.90% | ¥126,043 | ¥75,625,570 | ¥35,725,570 |
| 50 | 3.00% | ¥128,469 | ¥77,081,413 | ¥37,181,413 |
3990万円｜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% | ¥86,158 | ¥46,525,169 | ¥6,625,169 |
| 45 | 0.80% | ¥88,010 | ¥47,525,148 | ¥7,625,148 |
| 45 | 0.90% | ¥89,886 | ¥48,538,406 | ¥8,638,406 |
| 45 | 1.00% | ¥91,787 | ¥49,564,896 | ¥9,664,896 |
| 45 | 1.10% | ¥93,712 | ¥50,604,566 | ¥10,704,566 |
| 45 | 1.20% | ¥95,662 | ¥51,657,360 | ¥11,757,360 |
| 45 | 1.30% | ¥97,636 | ¥52,723,213 | ¥12,823,213 |
| 45 | 1.40% | ¥99,633 | ¥53,802,061 | ¥13,902,061 |
| 45 | 1.50% | ¥101,655 | ¥54,893,830 | ¥14,993,830 |
| 45 | 1.60% | ¥103,701 | ¥55,998,444 | ¥16,098,444 |
| 45 | 1.70% | ¥105,770 | ¥57,115,822 | ¥17,215,822 |
| 45 | 1.80% | ¥107,863 | ¥58,245,879 | ¥18,345,879 |
| 45 | 1.90% | ¥109,979 | ¥59,388,525 | ¥19,488,525 |
| 45 | 2.00% | ¥112,118 | ¥60,543,665 | ¥20,643,665 |
| 45 | 2.10% | ¥114,280 | ¥61,711,202 | ¥21,811,202 |
| 45 | 2.20% | ¥116,465 | ¥62,891,033 | ¥22,991,033 |
| 45 | 2.30% | ¥118,672 | ¥64,083,052 | ¥24,183,052 |
| 45 | 2.40% | ¥120,902 | ¥65,287,150 | ¥25,387,150 |
| 45 | 2.50% | ¥123,154 | ¥66,503,213 | ¥26,603,213 |
| 45 | 2.60% | ¥125,428 | ¥67,731,125 | ¥27,831,125 |
| 45 | 2.70% | ¥127,724 | ¥68,970,766 | ¥29,070,766 |
| 45 | 2.80% | ¥130,041 | ¥70,222,013 | ¥30,322,013 |
| 45 | 2.90% | ¥132,379 | ¥71,484,740 | ¥31,584,740 |
| 45 | 3.00% | ¥134,739 | ¥72,758,819 | ¥32,858,819 |
3990万円｜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% | ¥95,329 | ¥45,757,901 | ¥5,857,901 |
| 40 | 0.80% | ¥97,161 | ¥46,637,086 | ¥6,737,086 |
| 40 | 0.90% | ¥99,014 | ¥47,526,792 | ¥7,626,792 |
| 40 | 1.00% | ¥100,890 | ¥48,426,990 | ¥8,526,990 |
| 40 | 1.10% | ¥102,787 | ¥49,337,645 | ¥9,437,645 |
| 40 | 1.20% | ¥104,706 | ¥50,258,723 | ¥10,358,723 |
| 40 | 1.30% | ¥106,646 | ¥51,190,183 | ¥11,290,183 |
| 40 | 1.40% | ¥108,608 | ¥52,131,983 | ¥12,231,983 |
| 40 | 1.50% | ¥110,592 | ¥53,084,077 | ¥13,184,077 |
| 40 | 1.60% | ¥112,597 | ¥54,046,418 | ¥14,146,418 |
| 40 | 1.70% | ¥114,623 | ¥55,018,953 | ¥15,118,953 |
| 40 | 1.80% | ¥116,670 | ¥56,001,628 | ¥16,101,628 |
| 40 | 1.90% | ¥118,738 | ¥56,994,386 | ¥17,094,386 |
| 40 | 2.00% | ¥120,827 | ¥57,997,166 | ¥18,097,166 |
| 40 | 2.10% | ¥122,937 | ¥59,009,907 | ¥19,109,907 |
| 40 | 2.20% | ¥125,068 | ¥60,032,543 | ¥20,132,543 |
| 40 | 2.30% | ¥127,219 | ¥61,065,005 | ¥21,165,005 |
| 40 | 2.40% | ¥129,390 | ¥62,107,224 | ¥22,207,224 |
| 40 | 2.50% | ¥131,582 | ¥63,159,126 | ¥23,259,126 |
| 40 | 2.60% | ¥133,793 | ¥64,220,636 | ¥24,320,636 |
| 40 | 2.70% | ¥136,024 | ¥65,291,677 | ¥25,391,677 |
| 40 | 2.80% | ¥138,275 | ¥66,372,169 | ¥26,472,169 |
| 40 | 2.90% | ¥140,546 | ¥67,462,030 | ¥27,562,030 |
| 40 | 3.00% | ¥142,836 | ¥68,561,177 | ¥28,661,177 |
3990万円｜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% | ¥107,140 | ¥44,998,712 | ¥5,098,712 |
| 35 | 0.80% | ¥108,951 | ¥45,759,552 | ¥5,859,552 |
| 35 | 0.90% | ¥110,782 | ¥46,528,466 | ¥6,628,466 |
| 35 | 1.00% | ¥112,632 | ¥47,305,437 | ¥7,405,437 |
| 35 | 1.10% | ¥114,501 | ¥48,090,445 | ¥8,190,445 |
| 35 | 1.20% | ¥116,389 | ¥48,883,469 | ¥8,983,469 |
| 35 | 1.30% | ¥118,296 | ¥49,684,484 | ¥9,784,484 |
| 35 | 1.40% | ¥120,223 | ¥50,493,467 | ¥10,593,467 |
| 35 | 1.50% | ¥122,168 | ¥51,310,388 | ¥11,410,388 |
| 35 | 1.60% | ¥124,131 | ¥52,135,221 | ¥12,235,221 |
| 35 | 1.70% | ¥126,114 | ¥52,967,933 | ¥13,067,933 |
| 35 | 1.80% | ¥128,115 | ¥53,808,492 | ¥13,908,492 |
| 35 | 1.90% | ¥130,135 | ¥54,656,865 | ¥14,756,865 |
| 35 | 2.00% | ¥132,174 | ¥55,513,015 | ¥15,613,015 |
| 35 | 2.10% | ¥134,231 | ¥56,376,904 | ¥16,476,904 |
| 35 | 2.20% | ¥136,306 | ¥57,248,494 | ¥17,348,494 |
| 35 | 2.30% | ¥138,399 | ¥58,127,743 | ¥18,227,743 |
| 35 | 2.40% | ¥140,511 | ¥59,014,609 | ¥19,114,609 |
| 35 | 2.50% | ¥142,641 | ¥59,909,048 | ¥20,009,048 |
| 35 | 2.60% | ¥144,788 | ¥60,811,015 | ¥20,911,015 |
| 35 | 2.70% | ¥146,953 | ¥61,720,462 | ¥21,820,462 |
| 35 | 2.80% | ¥149,137 | ¥62,637,341 | ¥22,737,341 |
| 35 | 2.90% | ¥151,337 | ¥63,561,602 | ¥23,661,602 |
| 35 | 3.00% | ¥153,555 | ¥64,493,195 | ¥24,593,195 |
3990万円｜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% | ¥122,910 | ¥44,247,619 | ¥4,347,619 |
| 30 | 0.80% | ¥124,702 | ¥44,892,571 | ¥4,992,571 |
| 30 | 0.90% | ¥126,510 | ¥45,543,469 | ¥5,643,469 |
| 30 | 1.00% | ¥128,334 | ¥46,200,301 | ¥6,300,301 |
| 30 | 1.10% | ¥130,175 | ¥46,863,057 | ¥6,963,057 |
| 30 | 1.20% | ¥132,033 | ¥47,531,725 | ¥7,631,725 |
| 30 | 1.30% | ¥133,906 | ¥48,206,292 | ¥8,306,292 |
| 30 | 1.40% | ¥135,797 | ¥48,886,744 | ¥8,986,744 |
| 30 | 1.50% | ¥137,703 | ¥49,573,067 | ¥9,673,067 |
| 30 | 1.60% | ¥139,626 | ¥50,265,244 | ¥10,365,244 |
| 30 | 1.70% | ¥141,565 | ¥50,963,258 | ¥11,063,258 |
| 30 | 1.80% | ¥143,520 | ¥51,667,092 | ¥11,767,092 |
| 30 | 1.90% | ¥145,491 | ¥52,376,726 | ¥12,476,726 |
| 30 | 2.00% | ¥147,478 | ¥53,092,141 | ¥13,192,141 |
| 30 | 2.10% | ¥149,481 | ¥53,813,316 | ¥13,913,316 |
| 30 | 2.20% | ¥151,501 | ¥54,540,229 | ¥14,640,229 |
| 30 | 2.30% | ¥153,536 | ¥55,272,857 | ¥15,372,857 |
| 30 | 2.40% | ¥155,587 | ¥56,011,178 | ¥16,111,178 |
| 30 | 2.50% | ¥157,653 | ¥56,755,166 | ¥16,855,166 |
| 30 | 2.60% | ¥159,736 | ¥57,504,796 | ¥17,604,796 |
| 30 | 2.70% | ¥161,833 | ¥58,260,042 | ¥18,360,042 |
| 30 | 2.80% | ¥163,947 | ¥59,020,878 | ¥19,120,878 |
| 30 | 2.90% | ¥166,076 | ¥59,787,274 | ¥19,887,274 |
| 30 | 3.00% | ¥168,220 | ¥60,559,203 | ¥20,659,203 |
3990万円｜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% | ¥145,015 | ¥43,504,633 | ¥3,604,633 |
| 25 | 0.80% | ¥146,787 | ¥44,036,166 | ¥4,136,166 |
| 25 | 0.90% | ¥148,573 | ¥44,571,834 | ¥4,671,834 |
| 25 | 1.00% | ¥150,372 | ¥45,111,633 | ¥5,211,633 |
| 25 | 1.10% | ¥152,185 | ¥45,655,557 | ¥5,755,557 |
| 25 | 1.20% | ¥154,012 | ¥46,203,600 | ¥6,303,600 |
| 25 | 1.30% | ¥155,853 | ¥46,755,756 | ¥6,855,756 |
| 25 | 1.40% | ¥157,707 | ¥47,312,018 | ¥7,412,018 |
| 25 | 1.50% | ¥159,575 | ¥47,872,378 | ¥7,972,378 |
| 25 | 1.60% | ¥161,456 | ¥48,436,829 | ¥8,536,829 |
| 25 | 1.70% | ¥163,351 | ¥49,005,363 | ¥9,105,363 |
| 25 | 1.80% | ¥165,260 | ¥49,577,969 | ¥9,677,969 |
| 25 | 1.90% | ¥167,182 | ¥50,154,640 | ¥10,254,640 |
| 25 | 2.00% | ¥169,118 | ¥50,735,364 | ¥10,835,364 |
| 25 | 2.10% | ¥171,067 | ¥51,320,133 | ¥11,420,133 |
| 25 | 2.20% | ¥173,030 | ¥51,908,934 | ¥12,008,934 |
| 25 | 2.30% | ¥175,006 | ¥52,501,758 | ¥12,601,758 |
| 25 | 2.40% | ¥176,995 | ¥53,098,592 | ¥13,198,592 |
| 25 | 2.50% | ¥178,998 | ¥53,699,423 | ¥13,799,423 |
| 25 | 2.60% | ¥181,014 | ¥54,304,240 | ¥14,404,240 |
| 25 | 2.70% | ¥183,043 | ¥54,913,029 | ¥15,013,029 |
| 25 | 2.80% | ¥185,086 | ¥55,525,777 | ¥15,625,777 |
| 25 | 2.90% | ¥187,142 | ¥56,142,471 | ¥16,242,471 |
| 25 | 3.00% | ¥189,210 | ¥56,763,094 | ¥16,863,094 |
3990万円｜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% | ¥178,207 | ¥42,769,766 | ¥2,869,766 |
| 20 | 0.80% | ¥179,960 | ¥43,190,354 | ¥3,290,354 |
| 20 | 0.90% | ¥181,723 | ¥43,613,592 | ¥3,713,592 |
| 20 | 1.00% | ¥183,498 | ¥44,039,479 | ¥4,139,479 |
| 20 | 1.10% | ¥185,283 | ¥44,468,012 | ¥4,568,012 |
| 20 | 1.20% | ¥187,080 | ¥44,899,188 | ¥4,999,188 |
| 20 | 1.30% | ¥188,888 | ¥45,333,005 | ¥5,433,005 |
| 20 | 1.40% | ¥190,706 | ¥45,769,459 | ¥5,869,459 |
| 20 | 1.50% | ¥192,536 | ¥46,208,548 | ¥6,308,548 |
| 20 | 1.60% | ¥194,376 | ¥46,650,269 | ¥6,750,269 |
| 20 | 1.70% | ¥196,228 | ¥47,094,617 | ¥7,194,617 |
| 20 | 1.80% | ¥198,090 | ¥47,541,589 | ¥7,641,589 |
| 20 | 1.90% | ¥199,963 | ¥47,991,181 | ¥8,091,181 |
| 20 | 2.00% | ¥201,847 | ¥48,443,388 | ¥8,543,388 |
| 20 | 2.10% | ¥203,743 | ¥48,898,207 | ¥8,998,207 |
| 20 | 2.20% | ¥205,648 | ¥49,355,633 | ¥9,455,633 |
| 20 | 2.30% | ¥207,565 | ¥49,815,660 | ¥9,915,660 |
| 20 | 2.40% | ¥209,493 | ¥50,278,285 | ¥10,378,285 |
| 20 | 2.50% | ¥211,431 | ¥50,743,501 | ¥10,843,501 |
| 20 | 2.60% | ¥213,380 | ¥51,211,304 | ¥11,311,304 |
| 20 | 2.70% | ¥215,340 | ¥51,681,688 | ¥11,781,688 |
| 20 | 2.80% | ¥217,311 | ¥52,154,647 | ¥12,254,647 |
| 20 | 2.90% | ¥219,292 | ¥52,630,175 | ¥12,730,175 |
| 20 | 3.00% | ¥221,284 | ¥53,108,266 | ¥13,208,266 |
3990万円｜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% | ¥233,572 | ¥42,043,027 | ¥2,143,027 |
| 15 | 0.80% | ¥235,306 | ¥42,355,151 | ¥2,455,151 |
| 15 | 0.90% | ¥237,049 | ¥42,668,768 | ¥2,768,768 |
| 15 | 1.00% | ¥238,799 | ¥42,983,876 | ¥3,083,876 |
| 15 | 1.10% | ¥240,558 | ¥43,300,475 | ¥3,400,475 |
| 15 | 1.20% | ¥242,325 | ¥43,618,565 | ¥3,718,565 |
| 15 | 1.30% | ¥244,101 | ¥43,938,143 | ¥4,038,143 |
| 15 | 1.40% | ¥245,885 | ¥44,259,210 | ¥4,359,210 |
| 15 | 1.50% | ¥247,676 | ¥44,581,764 | ¥4,681,764 |
| 15 | 1.60% | ¥249,477 | ¥44,905,803 | ¥5,005,803 |
| 15 | 1.70% | ¥251,285 | ¥45,231,327 | ¥5,331,327 |
| 15 | 1.80% | ¥253,102 | ¥45,558,335 | ¥5,658,335 |
| 15 | 1.90% | ¥254,927 | ¥45,886,825 | ¥5,986,825 |
| 15 | 2.00% | ¥256,760 | ¥46,216,795 | ¥6,316,795 |
| 15 | 2.10% | ¥258,601 | ¥46,548,244 | ¥6,648,244 |
| 15 | 2.20% | ¥260,451 | ¥46,881,171 | ¥6,981,171 |
| 15 | 2.30% | ¥262,309 | ¥47,215,574 | ¥7,315,574 |
| 15 | 2.40% | ¥264,175 | ¥47,551,451 | ¥7,651,451 |
| 15 | 2.50% | ¥266,049 | ¥47,888,801 | ¥7,988,801 |
| 15 | 2.60% | ¥267,931 | ¥48,227,622 | ¥8,327,622 |
| 15 | 2.70% | ¥269,822 | ¥48,567,911 | ¥8,667,911 |
| 15 | 2.80% | ¥271,720 | ¥48,909,667 | ¥9,009,667 |
| 15 | 2.90% | ¥273,627 | ¥49,252,889 | ¥9,352,889 |
| 15 | 3.00% | ¥275,542 | ¥49,597,573 | ¥9,697,573 |
3990万円｜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% | ¥344,370 | ¥41,324,423 | ¥1,424,423 |
| 10 | 0.80% | ¥346,088 | ¥41,530,569 | ¥1,630,569 |
| 10 | 0.90% | ¥347,811 | ¥41,737,379 | ¥1,837,379 |
| 10 | 1.00% | ¥349,540 | ¥41,944,853 | ¥2,044,853 |
| 10 | 1.10% | ¥351,275 | ¥42,152,991 | ¥2,252,991 |
| 10 | 1.20% | ¥353,015 | ¥42,361,791 | ¥2,461,791 |
| 10 | 1.30% | ¥354,760 | ¥42,571,255 | ¥2,671,255 |
| 10 | 1.40% | ¥356,512 | ¥42,781,381 | ¥2,881,381 |
| 10 | 1.50% | ¥358,268 | ¥42,992,170 | ¥3,092,170 |
| 10 | 1.60% | ¥360,030 | ¥43,203,621 | ¥3,303,621 |
| 10 | 1.70% | ¥361,798 | ¥43,415,734 | ¥3,515,734 |
| 10 | 1.80% | ¥363,571 | ¥43,628,509 | ¥3,728,509 |
| 10 | 1.90% | ¥365,350 | ¥43,841,945 | ¥3,941,945 |
| 10 | 2.00% | ¥367,134 | ¥44,056,042 | ¥4,156,042 |
| 10 | 2.10% | ¥368,923 | ¥44,270,799 | ¥4,370,799 |
| 10 | 2.20% | ¥370,718 | ¥44,486,217 | ¥4,586,217 |
| 10 | 2.30% | ¥372,519 | ¥44,702,295 | ¥4,802,295 |
| 10 | 2.40% | ¥374,325 | ¥44,919,032 | ¥5,019,032 |
| 10 | 2.50% | ¥376,137 | ¥45,136,429 | ¥5,236,429 |
| 10 | 2.60% | ¥377,954 | ¥45,354,484 | ¥5,454,484 |
| 10 | 2.70% | ¥379,777 | ¥45,573,198 | ¥5,673,198 |
| 10 | 2.80% | ¥381,605 | ¥45,792,569 | ¥5,892,569 |
| 10 | 2.90% | ¥383,438 | ¥46,012,599 | ¥6,112,599 |
| 10 | 3.00% | ¥385,277 | ¥46,233,285 | ¥6,333,285 |
