4020万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。4020万円の住宅ローンが、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。
4020万円の住宅ローン｜期間・年数別
4020万円｜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% | ¥79,427 | ¥47,656,145 | ¥7,456,145 |
| 50 | 0.80% | ¥81,313 | ¥48,787,797 | ¥8,587,797 |
| 50 | 0.90% | ¥83,227 | ¥49,935,918 | ¥9,735,918 |
| 50 | 1.00% | ¥85,167 | ¥51,100,434 | ¥10,900,434 |
| 50 | 1.10% | ¥87,135 | ¥52,281,267 | ¥12,081,267 |
| 50 | 1.20% | ¥89,131 | ¥53,478,330 | ¥13,278,330 |
| 50 | 1.30% | ¥91,153 | ¥54,691,528 | ¥14,491,528 |
| 50 | 1.40% | ¥93,201 | ¥55,920,761 | ¥15,720,761 |
| 50 | 1.50% | ¥95,277 | ¥57,165,918 | ¥16,965,918 |
| 50 | 1.60% | ¥97,378 | ¥58,426,884 | ¥18,226,884 |
| 50 | 1.70% | ¥99,506 | ¥59,703,538 | ¥19,503,538 |
| 50 | 1.80% | ¥101,660 | ¥60,995,749 | ¥20,795,749 |
| 50 | 1.90% | ¥103,839 | ¥62,303,384 | ¥22,103,384 |
| 50 | 2.00% | ¥106,044 | ¥63,626,300 | ¥23,426,300 |
| 50 | 2.10% | ¥108,274 | ¥64,964,350 | ¥24,764,350 |
| 50 | 2.20% | ¥110,529 | ¥66,317,382 | ¥26,117,382 |
| 50 | 2.30% | ¥112,809 | ¥67,685,237 | ¥27,485,237 |
| 50 | 2.40% | ¥115,113 | ¥69,067,752 | ¥28,867,752 |
| 50 | 2.50% | ¥117,441 | ¥70,464,759 | ¥30,264,759 |
| 50 | 2.60% | ¥119,793 | ¥71,876,085 | ¥31,676,085 |
| 50 | 2.70% | ¥122,169 | ¥73,301,553 | ¥33,101,553 |
| 50 | 2.80% | ¥124,568 | ¥74,740,980 | ¥34,540,980 |
| 50 | 2.90% | ¥126,990 | ¥76,194,183 | ¥35,994,183 |
| 50 | 3.00% | ¥129,435 | ¥77,660,973 | ¥37,460,973 |
4020万円｜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% | ¥86,806 | ¥46,874,983 | ¥6,674,983 |
| 45 | 0.80% | ¥88,671 | ¥47,882,480 | ¥7,682,480 |
| 45 | 0.90% | ¥90,562 | ¥48,903,356 | ¥8,703,356 |
| 45 | 1.00% | ¥92,477 | ¥49,937,564 | ¥9,737,564 |
| 45 | 1.10% | ¥94,417 | ¥50,985,052 | ¥10,785,052 |
| 45 | 1.20% | ¥96,381 | ¥52,045,761 | ¥11,845,761 |
| 45 | 1.30% | ¥98,370 | ¥53,119,628 | ¥12,919,628 |
| 45 | 1.40% | ¥100,383 | ¥54,206,587 | ¥14,006,587 |
| 45 | 1.50% | ¥102,420 | ¥55,306,565 | ¥15,106,565 |
| 45 | 1.60% | ¥104,481 | ¥56,419,485 | ¥16,219,485 |
| 45 | 1.70% | ¥106,565 | ¥57,545,265 | ¥17,345,265 |
| 45 | 1.80% | ¥108,674 | ¥58,683,818 | ¥18,483,818 |
| 45 | 1.90% | ¥110,806 | ¥59,835,055 | ¥19,635,055 |
| 45 | 2.00% | ¥112,961 | ¥60,998,881 | ¥20,798,881 |
| 45 | 2.10% | ¥115,139 | ¥62,175,196 | ¥21,975,196 |
| 45 | 2.20% | ¥117,341 | ¥63,363,898 | ¥23,163,898 |
| 45 | 2.30% | ¥119,565 | ¥64,564,880 | ¥24,364,880 |
| 45 | 2.40% | ¥121,811 | ¥65,778,031 | ¥25,578,031 |
| 45 | 2.50% | ¥124,080 | ¥67,003,237 | ¥26,803,237 |
| 45 | 2.60% | ¥126,371 | ¥68,240,382 | ¥28,040,382 |
| 45 | 2.70% | ¥128,684 | ¥69,489,344 | ¥29,289,344 |
| 45 | 2.80% | ¥131,019 | ¥70,749,998 | ¥30,549,998 |
| 45 | 2.90% | ¥133,374 | ¥72,022,220 | ¥31,822,220 |
| 45 | 3.00% | ¥135,752 | ¥73,305,877 | ¥33,105,877 |
4020万円｜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% | ¥96,046 | ¥46,101,945 | ¥5,901,945 |
| 40 | 0.80% | ¥97,891 | ¥46,987,741 | ¥6,787,741 |
| 40 | 0.90% | ¥99,759 | ¥47,884,137 | ¥7,684,137 |
| 40 | 1.00% | ¥101,648 | ¥48,791,102 | ¥8,591,102 |
| 40 | 1.10% | ¥103,560 | ¥49,708,605 | ¥9,508,605 |
| 40 | 1.20% | ¥105,493 | ¥50,636,608 | ¥10,436,608 |
| 40 | 1.30% | ¥107,448 | ¥51,575,071 | ¥11,375,071 |
| 40 | 1.40% | ¥109,425 | ¥52,523,952 | ¥12,323,952 |
| 40 | 1.50% | ¥111,423 | ¥53,483,205 | ¥13,283,205 |
| 40 | 1.60% | ¥113,443 | ¥54,452,782 | ¥14,252,782 |
| 40 | 1.70% | ¥115,485 | ¥55,432,629 | ¥15,232,629 |
| 40 | 1.80% | ¥117,547 | ¥56,422,693 | ¥16,222,693 |
| 40 | 1.90% | ¥119,631 | ¥57,422,915 | ¥17,222,915 |
| 40 | 2.00% | ¥121,736 | ¥58,433,235 | ¥18,233,235 |
| 40 | 2.10% | ¥123,862 | ¥59,453,591 | ¥19,253,591 |
| 40 | 2.20% | ¥126,008 | ¥60,483,915 | ¥20,283,915 |
| 40 | 2.30% | ¥128,175 | ¥61,524,141 | ¥21,324,141 |
| 40 | 2.40% | ¥130,363 | ¥62,574,196 | ¥22,374,196 |
| 40 | 2.50% | ¥132,571 | ¥63,634,007 | ¥23,434,007 |
| 40 | 2.60% | ¥134,799 | ¥64,703,498 | ¥24,503,498 |
| 40 | 2.70% | ¥137,047 | ¥65,782,592 | ¥25,582,592 |
| 40 | 2.80% | ¥139,315 | ¥66,871,208 | ¥26,671,208 |
| 40 | 2.90% | ¥141,603 | ¥67,969,264 | ¥27,769,264 |
| 40 | 3.00% | ¥143,910 | ¥69,076,674 | ¥28,876,674 |
4020万円｜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% | ¥107,945 | ¥45,337,048 | ¥5,137,048 |
| 35 | 0.80% | ¥109,770 | ¥46,103,609 | ¥5,903,609 |
| 35 | 0.90% | ¥111,615 | ¥46,878,304 | ¥6,678,304 |
| 35 | 1.00% | ¥113,479 | ¥47,661,117 | ¥7,461,117 |
| 35 | 1.10% | ¥115,362 | ¥48,452,028 | ¥8,252,028 |
| 35 | 1.20% | ¥117,264 | ¥49,251,014 | ¥9,051,014 |
| 35 | 1.30% | ¥119,186 | ¥50,058,052 | ¥9,858,052 |
| 35 | 1.40% | ¥121,126 | ¥50,873,117 | ¥10,673,117 |
| 35 | 1.50% | ¥123,086 | ¥51,696,181 | ¥11,496,181 |
| 35 | 1.60% | ¥125,065 | ¥52,527,215 | ¥12,327,215 |
| 35 | 1.70% | ¥127,062 | ¥53,366,188 | ¥13,166,188 |
| 35 | 1.80% | ¥129,079 | ¥54,213,068 | ¥14,013,068 |
| 35 | 1.90% | ¥131,114 | ¥55,067,819 | ¥14,867,819 |
| 35 | 2.00% | ¥133,168 | ¥55,930,406 | ¥15,730,406 |
| 35 | 2.10% | ¥135,240 | ¥56,800,791 | ¥16,600,791 |
| 35 | 2.20% | ¥137,331 | ¥57,678,934 | ¥17,478,934 |
| 35 | 2.30% | ¥139,440 | ¥58,564,794 | ¥18,364,794 |
| 35 | 2.40% | ¥141,567 | ¥59,458,328 | ¥19,258,328 |
| 35 | 2.50% | ¥143,713 | ¥60,359,492 | ¥20,159,492 |
| 35 | 2.60% | ¥145,877 | ¥61,268,240 | ¥21,068,240 |
| 35 | 2.70% | ¥148,058 | ¥62,184,525 | ¥21,984,525 |
| 35 | 2.80% | ¥150,258 | ¥63,108,298 | ¥22,908,298 |
| 35 | 2.90% | ¥152,475 | ¥64,039,509 | ¥23,839,509 |
| 35 | 3.00% | ¥154,710 | ¥64,978,106 | ¥24,778,106 |
4020万円｜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% | ¥123,834 | ¥44,580,307 | ¥4,380,307 |
| 30 | 0.80% | ¥125,639 | ¥45,230,109 | ¥5,030,109 |
| 30 | 0.90% | ¥127,461 | ¥45,885,901 | ¥5,685,901 |
| 30 | 1.00% | ¥129,299 | ¥46,547,671 | ¥6,347,671 |
| 30 | 1.10% | ¥131,154 | ¥47,215,411 | ¥7,015,411 |
| 30 | 1.20% | ¥133,025 | ¥47,889,106 | ¥7,689,106 |
| 30 | 1.30% | ¥134,913 | ¥48,568,745 | ¥8,368,745 |
| 30 | 1.40% | ¥136,818 | ¥49,254,314 | ¥9,054,314 |
| 30 | 1.50% | ¥138,738 | ¥49,945,797 | ¥9,745,797 |
| 30 | 1.60% | ¥140,675 | ¥50,643,178 | ¥10,443,178 |
| 30 | 1.70% | ¥142,629 | ¥51,346,441 | ¥11,146,441 |
| 30 | 1.80% | ¥144,599 | ¥52,055,566 | ¥11,855,566 |
| 30 | 1.90% | ¥146,585 | ¥52,770,536 | ¥12,570,536 |
| 30 | 2.00% | ¥148,587 | ¥53,491,330 | ¥13,291,330 |
| 30 | 2.10% | ¥150,605 | ¥54,217,927 | ¥14,017,927 |
| 30 | 2.20% | ¥152,640 | ¥54,950,306 | ¥14,750,306 |
| 30 | 2.30% | ¥154,690 | ¥55,688,443 | ¥15,488,443 |
| 30 | 2.40% | ¥156,756 | ¥56,432,315 | ¥16,232,315 |
| 30 | 2.50% | ¥158,839 | ¥57,181,896 | ¥16,981,896 |
| 30 | 2.60% | ¥160,937 | ¥57,937,163 | ¥17,737,163 |
| 30 | 2.70% | ¥163,050 | ¥58,698,088 | ¥18,498,088 |
| 30 | 2.80% | ¥165,180 | ¥59,464,644 | ¥19,264,644 |
| 30 | 2.90% | ¥167,324 | ¥60,236,803 | ¥20,036,803 |
| 30 | 3.00% | ¥169,485 | ¥61,014,536 | ¥20,814,536 |
4020万円｜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% | ¥146,106 | ¥43,831,735 | ¥3,631,735 |
| 25 | 0.80% | ¥147,891 | ¥44,367,265 | ¥4,167,265 |
| 25 | 0.90% | ¥149,690 | ¥44,906,961 | ¥4,706,961 |
| 25 | 1.00% | ¥151,503 | ¥45,450,818 | ¥5,250,818 |
| 25 | 1.10% | ¥153,329 | ¥45,998,832 | ¥5,798,832 |
| 25 | 1.20% | ¥155,170 | ¥46,550,995 | ¥6,350,995 |
| 25 | 1.30% | ¥157,024 | ¥47,107,303 | ¥6,907,303 |
| 25 | 1.40% | ¥158,892 | ¥47,667,747 | ¥7,467,747 |
| 25 | 1.50% | ¥160,774 | ¥48,232,321 | ¥8,032,321 |
| 25 | 1.60% | ¥162,670 | ¥48,801,016 | ¥8,601,016 |
| 25 | 1.70% | ¥164,579 | ¥49,373,824 | ¥9,173,824 |
| 25 | 1.80% | ¥166,502 | ¥49,950,736 | ¥9,750,736 |
| 25 | 1.90% | ¥168,439 | ¥50,531,742 | ¥10,331,742 |
| 25 | 2.00% | ¥170,389 | ¥51,116,833 | ¥10,916,833 |
| 25 | 2.10% | ¥172,353 | ¥51,705,999 | ¥11,505,999 |
| 25 | 2.20% | ¥174,331 | ¥52,299,227 | ¥12,099,227 |
| 25 | 2.30% | ¥176,322 | ¥52,896,508 | ¥12,696,508 |
| 25 | 2.40% | ¥178,326 | ¥53,497,829 | ¥13,297,829 |
| 25 | 2.50% | ¥180,344 | ¥54,103,178 | ¥13,903,178 |
| 25 | 2.60% | ¥182,375 | ¥54,712,543 | ¥14,512,543 |
| 25 | 2.70% | ¥184,420 | ¥55,325,909 | ¥15,125,909 |
| 25 | 2.80% | ¥186,478 | ¥55,943,264 | ¥15,743,264 |
| 25 | 2.90% | ¥188,549 | ¥56,564,594 | ¥16,364,594 |
| 25 | 3.00% | ¥190,633 | ¥57,189,884 | ¥16,989,884 |
4020万円｜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% | ¥179,547 | ¥43,091,343 | ¥2,891,343 |
| 20 | 0.80% | ¥181,313 | ¥43,515,093 | ¥3,315,093 |
| 20 | 0.90% | ¥183,090 | ¥43,941,514 | ¥3,741,514 |
| 20 | 1.00% | ¥184,878 | ¥44,370,603 | ¥4,170,603 |
| 20 | 1.10% | ¥186,676 | ¥44,802,357 | ¥4,602,357 |
| 20 | 1.20% | ¥188,487 | ¥45,236,776 | ¥5,036,776 |
| 20 | 1.30% | ¥190,308 | ¥45,673,854 | ¥5,473,854 |
| 20 | 1.40% | ¥192,140 | ¥46,113,590 | ¥5,913,590 |
| 20 | 1.50% | ¥193,983 | ¥46,555,981 | ¥6,355,981 |
| 20 | 1.60% | ¥195,838 | ¥47,001,023 | ¥6,801,023 |
| 20 | 1.70% | ¥197,703 | ¥47,448,712 | ¥7,248,712 |
| 20 | 1.80% | ¥199,579 | ¥47,899,044 | ¥7,699,044 |
| 20 | 1.90% | ¥201,467 | ¥48,352,017 | ¥8,152,017 |
| 20 | 2.00% | ¥203,365 | ¥48,807,624 | ¥8,607,624 |
| 20 | 2.10% | ¥205,274 | ¥49,265,863 | ¥9,065,863 |
| 20 | 2.20% | ¥207,195 | ¥49,726,728 | ¥9,526,728 |
| 20 | 2.30% | ¥209,126 | ¥50,190,214 | ¥9,990,214 |
| 20 | 2.40% | ¥211,068 | ¥50,656,317 | ¥10,456,317 |
| 20 | 2.50% | ¥213,021 | ¥51,125,031 | ¥10,925,031 |
| 20 | 2.60% | ¥214,985 | ¥51,596,351 | ¥11,396,351 |
| 20 | 2.70% | ¥216,959 | ¥52,070,272 | ¥11,870,272 |
| 20 | 2.80% | ¥218,945 | ¥52,546,787 | ¥12,346,787 |
| 20 | 2.90% | ¥220,941 | ¥53,025,890 | ¥12,825,890 |
| 20 | 3.00% | ¥222,948 | ¥53,507,576 | ¥13,307,576 |
4020万円｜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% | ¥235,329 | ¥42,359,140 | ¥2,159,140 |
| 15 | 0.80% | ¥237,076 | ¥42,673,611 | ¥2,473,611 |
| 15 | 0.90% | ¥238,831 | ¥42,989,585 | ¥2,789,585 |
| 15 | 1.00% | ¥240,595 | ¥43,307,063 | ¥3,107,063 |
| 15 | 1.10% | ¥242,367 | ¥43,626,043 | ¥3,426,043 |
| 15 | 1.20% | ¥244,147 | ¥43,946,524 | ¥3,746,524 |
| 15 | 1.30% | ¥245,936 | ¥44,268,505 | ¥4,068,505 |
| 15 | 1.40% | ¥247,733 | ¥44,591,986 | ¥4,391,986 |
| 15 | 1.50% | ¥249,539 | ¥44,916,965 | ¥4,716,965 |
| 15 | 1.60% | ¥251,352 | ¥45,243,441 | ¥5,043,441 |
| 15 | 1.70% | ¥253,175 | ¥45,571,413 | ¥5,371,413 |
| 15 | 1.80% | ¥255,005 | ¥45,900,879 | ¥5,700,879 |
| 15 | 1.90% | ¥256,844 | ¥46,231,838 | ¥6,031,838 |
| 15 | 2.00% | ¥258,690 | ¥46,564,290 | ¥6,364,290 |
| 15 | 2.10% | ¥260,546 | ¥46,898,231 | ¥6,698,231 |
| 15 | 2.20% | ¥262,409 | ¥47,233,661 | ¥7,033,661 |
| 15 | 2.30% | ¥264,281 | ¥47,570,578 | ¥7,370,578 |
| 15 | 2.40% | ¥266,161 | ¥47,908,981 | ¥7,708,981 |
| 15 | 2.50% | ¥268,049 | ¥48,248,867 | ¥8,048,867 |
| 15 | 2.60% | ¥269,946 | ¥48,590,235 | ¥8,390,235 |
| 15 | 2.70% | ¥271,850 | ¥48,933,083 | ¥8,733,083 |
| 15 | 2.80% | ¥273,763 | ¥49,277,409 | ¥9,077,409 |
| 15 | 2.90% | ¥275,685 | ¥49,623,211 | ¥9,423,211 |
| 15 | 3.00% | ¥277,614 | ¥49,970,487 | ¥9,770,487 |
4020万円｜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% | ¥346,959 | ¥41,635,133 | ¥1,435,133 |
| 10 | 0.80% | ¥348,690 | ¥41,842,829 | ¥1,642,829 |
| 10 | 0.90% | ¥350,427 | ¥42,051,194 | ¥1,851,194 |
| 10 | 1.00% | ¥352,169 | ¥42,260,228 | ¥2,060,228 |
| 10 | 1.10% | ¥353,916 | ¥42,469,930 | ¥2,269,930 |
| 10 | 1.20% | ¥355,669 | ¥42,680,301 | ¥2,480,301 |
| 10 | 1.30% | ¥357,428 | ¥42,891,340 | ¥2,691,340 |
| 10 | 1.40% | ¥359,192 | ¥43,103,046 | ¥2,903,046 |
| 10 | 1.50% | ¥360,962 | ¥43,315,420 | ¥3,115,420 |
| 10 | 1.60% | ¥362,737 | ¥43,528,460 | ¥3,328,460 |
| 10 | 1.70% | ¥364,518 | ¥43,742,168 | ¥3,542,168 |
| 10 | 1.80% | ¥366,305 | ¥43,956,543 | ¥3,756,543 |
| 10 | 1.90% | ¥368,097 | ¥44,171,583 | ¥3,971,583 |
| 10 | 2.00% | ¥369,894 | ¥44,387,290 | ¥4,187,290 |
| 10 | 2.10% | ¥371,697 | ¥44,603,662 | ¥4,403,662 |
| 10 | 2.20% | ¥373,506 | ¥44,820,700 | ¥4,620,700 |
| 10 | 2.30% | ¥375,320 | ¥45,038,402 | ¥4,838,402 |
| 10 | 2.40% | ¥377,140 | ¥45,256,769 | ¥5,056,769 |
| 10 | 2.50% | ¥378,965 | ¥45,475,801 | ¥5,275,801 |
| 10 | 2.60% | ¥380,796 | ¥45,695,495 | ¥5,495,495 |
| 10 | 2.70% | ¥382,632 | ¥45,915,854 | ¥5,715,854 |
| 10 | 2.80% | ¥384,474 | ¥46,136,874 | ¥5,936,874 |
| 10 | 2.90% | ¥386,321 | ¥46,358,558 | ¥6,158,558 |
| 10 | 3.00% | ¥388,174 | ¥46,580,903 | ¥6,380,903 |
