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 |
