4040万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。4040万円の住宅ローンが、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。
4040万円の住宅ローン｜期間・年数別
4040万円｜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% | ¥79,822 | ¥47,893,240 | ¥7,493,240 |
| 50 | 0.80% | ¥81,718 | ¥49,030,523 | ¥8,630,523 |
| 50 | 0.90% | ¥83,641 | ¥50,184,355 | ¥9,784,355 |
| 50 | 1.00% | ¥85,591 | ¥51,354,665 | ¥10,954,665 |
| 50 | 1.10% | ¥87,569 | ¥52,541,373 | ¥12,141,373 |
| 50 | 1.20% | ¥89,574 | ¥53,744,392 | ¥13,344,392 |
| 50 | 1.30% | ¥91,606 | ¥54,963,626 | ¥14,563,626 |
| 50 | 1.40% | ¥93,665 | ¥56,198,973 | ¥15,798,973 |
| 50 | 1.50% | ¥95,751 | ¥57,450,325 | ¥17,050,325 |
| 50 | 1.60% | ¥97,863 | ¥58,717,565 | ¥18,317,565 |
| 50 | 1.70% | ¥100,001 | ¥60,000,570 | ¥19,600,570 |
| 50 | 1.80% | ¥102,165 | ¥61,299,211 | ¥20,899,211 |
| 50 | 1.90% | ¥104,356 | ¥62,613,351 | ¥22,213,351 |
| 50 | 2.00% | ¥106,571 | ¥63,942,848 | ¥23,542,848 |
| 50 | 2.10% | ¥108,813 | ¥65,287,556 | ¥24,887,556 |
| 50 | 2.20% | ¥111,079 | ¥66,647,319 | ¥26,247,319 |
| 50 | 2.30% | ¥113,370 | ¥68,021,980 | ¥27,621,980 |
| 50 | 2.40% | ¥115,686 | ¥69,411,373 | ¥29,011,373 |
| 50 | 2.50% | ¥118,026 | ¥70,815,330 | ¥30,415,330 |
| 50 | 2.60% | ¥120,389 | ¥72,233,678 | ¥31,833,678 |
| 50 | 2.70% | ¥122,777 | ¥73,666,237 | ¥33,266,237 |
| 50 | 2.80% | ¥125,188 | ¥75,112,826 | ¥34,712,826 |
| 50 | 2.90% | ¥127,622 | ¥76,573,259 | ¥36,173,259 |
| 50 | 3.00% | ¥130,079 | ¥78,047,346 | ¥37,647,346 |
4040万円｜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% | ¥87,237 | ¥47,108,192 | ¥6,708,192 |
| 45 | 0.80% | ¥89,112 | ¥48,120,701 | ¥7,720,701 |
| 45 | 0.90% | ¥91,012 | ¥49,146,657 | ¥8,746,657 |
| 45 | 1.00% | ¥92,937 | ¥50,186,010 | ¥9,786,010 |
| 45 | 1.10% | ¥94,886 | ¥51,238,709 | ¥10,838,709 |
| 45 | 1.20% | ¥96,861 | ¥52,304,695 | ¥11,904,695 |
| 45 | 1.30% | ¥98,859 | ¥53,383,905 | ¥12,983,905 |
| 45 | 1.40% | ¥100,882 | ¥54,476,272 | ¥14,076,272 |
| 45 | 1.50% | ¥102,929 | ¥55,581,722 | ¥15,181,722 |
| 45 | 1.60% | ¥105,000 | ¥56,700,179 | ¥16,300,179 |
| 45 | 1.70% | ¥107,095 | ¥57,831,559 | ¥17,431,559 |
| 45 | 1.80% | ¥109,214 | ¥58,975,778 | ¥18,575,778 |
| 45 | 1.90% | ¥111,357 | ¥60,132,742 | ¥19,732,742 |
| 45 | 2.00% | ¥113,523 | ¥61,302,358 | ¥20,902,358 |
| 45 | 2.10% | ¥115,712 | ¥62,484,525 | ¥22,084,525 |
| 45 | 2.20% | ¥117,924 | ¥63,679,141 | ¥23,279,141 |
| 45 | 2.30% | ¥120,159 | ¥64,886,098 | ¥24,486,098 |
| 45 | 2.40% | ¥122,417 | ¥66,105,285 | ¥25,705,285 |
| 45 | 2.50% | ¥124,697 | ¥67,336,587 | ¥26,936,587 |
| 45 | 2.60% | ¥127,000 | ¥68,579,886 | ¥28,179,886 |
| 45 | 2.70% | ¥129,324 | ¥69,835,062 | ¥29,435,062 |
| 45 | 2.80% | ¥131,670 | ¥71,101,989 | ¥30,701,989 |
| 45 | 2.90% | ¥134,038 | ¥72,380,539 | ¥31,980,539 |
| 45 | 3.00% | ¥136,427 | ¥73,670,583 | ¥33,270,583 |
4040万円｜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% | ¥96,524 | ¥46,331,308 | ¥5,931,308 |
| 40 | 0.80% | ¥98,378 | ¥47,221,511 | ¥6,821,511 |
| 40 | 0.90% | ¥100,255 | ¥48,122,366 | ¥7,722,366 |
| 40 | 1.00% | ¥102,154 | ¥49,033,844 | ¥8,633,844 |
| 40 | 1.10% | ¥104,075 | ¥49,955,911 | ¥9,555,911 |
| 40 | 1.20% | ¥106,018 | ¥50,888,531 | ¥10,488,531 |
| 40 | 1.30% | ¥107,983 | ¥51,831,663 | ¥11,431,663 |
| 40 | 1.40% | ¥109,969 | ¥52,785,266 | ¥12,385,266 |
| 40 | 1.50% | ¥111,978 | ¥53,749,291 | ¥13,349,291 |
| 40 | 1.60% | ¥114,008 | ¥54,723,691 | ¥14,323,691 |
| 40 | 1.70% | ¥116,059 | ¥55,708,413 | ¥15,308,413 |
| 40 | 1.80% | ¥118,132 | ¥56,703,402 | ¥16,303,402 |
| 40 | 1.90% | ¥120,226 | ¥57,708,601 | ¥17,308,601 |
| 40 | 2.00% | ¥122,342 | ¥58,723,948 | ¥18,323,948 |
| 40 | 2.10% | ¥124,478 | ¥59,749,380 | ¥19,349,380 |
| 40 | 2.20% | ¥126,635 | ¥60,784,830 | ¥20,384,830 |
| 40 | 2.30% | ¥128,813 | ¥61,830,231 | ¥21,430,231 |
| 40 | 2.40% | ¥131,011 | ¥62,885,510 | ¥22,485,510 |
| 40 | 2.50% | ¥133,230 | ¥63,950,594 | ¥23,550,594 |
| 40 | 2.60% | ¥135,470 | ¥65,025,406 | ¥24,625,406 |
| 40 | 2.70% | ¥137,729 | ¥66,109,869 | ¥25,709,869 |
| 40 | 2.80% | ¥140,008 | ¥67,203,901 | ¥26,803,901 |
| 40 | 2.90% | ¥142,307 | ¥68,307,419 | ¥27,907,419 |
| 40 | 3.00% | ¥144,626 | ¥69,420,339 | ¥29,020,339 |
4040万円｜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% | ¥108,482 | ¥45,562,606 | ¥5,162,606 |
| 35 | 0.80% | ¥110,317 | ¥46,332,980 | ¥5,932,980 |
| 35 | 0.90% | ¥112,170 | ¥47,111,530 | ¥6,711,530 |
| 35 | 1.00% | ¥114,043 | ¥47,898,237 | ¥7,498,237 |
| 35 | 1.10% | ¥115,936 | ¥48,693,083 | ¥8,293,083 |
| 35 | 1.20% | ¥117,848 | ¥49,496,044 | ¥9,096,044 |
| 35 | 1.30% | ¥119,779 | ¥50,307,097 | ¥9,907,097 |
| 35 | 1.40% | ¥121,729 | ¥51,126,217 | ¥10,726,217 |
| 35 | 1.50% | ¥123,699 | ¥51,953,376 | ¥11,553,376 |
| 35 | 1.60% | ¥125,687 | ¥52,788,544 | ¥12,388,544 |
| 35 | 1.70% | ¥127,695 | ¥53,631,691 | ¥13,231,691 |
| 35 | 1.80% | ¥129,721 | ¥54,482,784 | ¥14,082,784 |
| 35 | 1.90% | ¥131,766 | ¥55,341,788 | ¥14,941,788 |
| 35 | 2.00% | ¥133,830 | ¥56,208,667 | ¥15,808,667 |
| 35 | 2.10% | ¥135,913 | ¥57,083,382 | ¥16,683,382 |
| 35 | 2.20% | ¥138,014 | ¥57,965,894 | ¥17,565,894 |
| 35 | 2.30% | ¥140,134 | ¥58,856,161 | ¥18,456,161 |
| 35 | 2.40% | ¥142,272 | ¥59,754,141 | ¥19,354,141 |
| 35 | 2.50% | ¥144,428 | ¥60,659,788 | ¥20,259,788 |
| 35 | 2.60% | ¥146,603 | ¥61,573,058 | ¥21,173,058 |
| 35 | 2.70% | ¥148,795 | ¥62,493,901 | ¥22,093,901 |
| 35 | 2.80% | ¥151,005 | ¥63,422,270 | ¥23,022,270 |
| 35 | 2.90% | ¥153,234 | ¥64,358,114 | ¥23,958,114 |
| 35 | 3.00% | ¥155,479 | ¥65,301,380 | ¥24,901,380 |
4040万円｜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% | ¥124,450 | ¥44,802,100 | ¥4,402,100 |
| 30 | 0.80% | ¥126,264 | ¥45,455,135 | ¥5,055,135 |
| 30 | 0.90% | ¥128,095 | ¥46,114,189 | ¥5,714,189 |
| 30 | 1.00% | ¥129,942 | ¥46,779,252 | ¥6,379,252 |
| 30 | 1.10% | ¥131,806 | ¥47,450,313 | ¥7,050,313 |
| 30 | 1.20% | ¥133,687 | ¥48,127,360 | ¥7,727,360 |
| 30 | 1.30% | ¥135,584 | ¥48,810,381 | ¥8,410,381 |
| 30 | 1.40% | ¥137,498 | ¥49,499,360 | ¥9,099,360 |
| 30 | 1.50% | ¥139,429 | ¥50,194,283 | ¥9,794,283 |
| 30 | 1.60% | ¥141,375 | ¥50,895,134 | ¥10,495,134 |
| 30 | 1.70% | ¥143,339 | ¥51,601,896 | ¥11,201,896 |
| 30 | 1.80% | ¥145,318 | ¥52,314,549 | ¥11,914,549 |
| 30 | 1.90% | ¥147,314 | ¥53,033,076 | ¥12,633,076 |
| 30 | 2.00% | ¥149,326 | ¥53,757,456 | ¥13,357,456 |
| 30 | 2.10% | ¥151,355 | ¥54,487,668 | ¥14,087,668 |
| 30 | 2.20% | ¥153,399 | ¥55,223,690 | ¥14,823,690 |
| 30 | 2.30% | ¥155,460 | ¥55,965,500 | ¥15,565,500 |
| 30 | 2.40% | ¥157,536 | ¥56,713,072 | ¥16,313,072 |
| 30 | 2.50% | ¥159,629 | ¥57,466,384 | ¥17,066,384 |
| 30 | 2.60% | ¥161,737 | ¥58,225,408 | ¥17,825,408 |
| 30 | 2.70% | ¥163,861 | ¥58,990,118 | ¥18,590,118 |
| 30 | 2.80% | ¥166,001 | ¥59,760,488 | ¥19,360,488 |
| 30 | 2.90% | ¥168,157 | ¥60,536,488 | ¥20,136,488 |
| 30 | 3.00% | ¥170,328 | ¥61,318,091 | ¥20,918,091 |
4040万円｜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% | ¥146,833 | ¥44,049,804 | ¥3,649,804 |
| 25 | 0.80% | ¥148,627 | ¥44,587,997 | ¥4,187,997 |
| 25 | 0.90% | ¥150,435 | ¥45,130,378 | ¥4,730,378 |
| 25 | 1.00% | ¥152,256 | ¥45,676,941 | ¥5,276,941 |
| 25 | 1.10% | ¥154,092 | ¥46,227,681 | ¥5,827,681 |
| 25 | 1.20% | ¥155,942 | ¥46,782,592 | ¥6,382,592 |
| 25 | 1.30% | ¥157,806 | ¥47,341,668 | ¥6,941,668 |
| 25 | 1.40% | ¥159,683 | ¥47,904,900 | ¥7,504,900 |
| 25 | 1.50% | ¥161,574 | ¥48,472,283 | ¥8,072,283 |
| 25 | 1.60% | ¥163,479 | ¥49,043,807 | ¥8,643,807 |
| 25 | 1.70% | ¥165,398 | ¥49,619,465 | ¥9,219,465 |
| 25 | 1.80% | ¥167,331 | ¥50,199,247 | ¥9,799,247 |
| 25 | 1.90% | ¥169,277 | ¥50,783,144 | ¥10,383,144 |
| 25 | 2.00% | ¥171,237 | ¥51,371,146 | ¥10,971,146 |
| 25 | 2.10% | ¥173,211 | ¥51,963,242 | ¥11,563,242 |
| 25 | 2.20% | ¥175,198 | ¥52,559,422 | ¥12,159,422 |
| 25 | 2.30% | ¥177,199 | ¥53,159,675 | ¥12,759,675 |
| 25 | 2.40% | ¥179,213 | ¥53,763,987 | ¥13,363,987 |
| 25 | 2.50% | ¥181,241 | ¥54,372,348 | ¥13,972,348 |
| 25 | 2.60% | ¥183,282 | ¥54,984,744 | ¥14,584,744 |
| 25 | 2.70% | ¥185,337 | ¥55,601,162 | ¥15,201,162 |
| 25 | 2.80% | ¥187,405 | ¥56,221,589 | ¥15,821,589 |
| 25 | 2.90% | ¥189,487 | ¥56,846,010 | ¥16,446,010 |
| 25 | 3.00% | ¥191,581 | ¥57,474,411 | ¥17,074,411 |
4040万円｜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% | ¥180,441 | ¥43,305,728 | ¥2,905,728 |
| 20 | 0.80% | ¥182,215 | ¥43,731,586 | ¥3,331,586 |
| 20 | 0.90% | ¥184,001 | ¥44,160,128 | ¥3,760,128 |
| 20 | 1.00% | ¥185,797 | ¥44,591,352 | ¥4,191,352 |
| 20 | 1.10% | ¥187,605 | ¥45,025,255 | ¥4,625,255 |
| 20 | 1.20% | ¥189,424 | ¥45,461,834 | ¥5,061,834 |
| 20 | 1.30% | ¥191,255 | ¥45,901,087 | ¥5,501,087 |
| 20 | 1.40% | ¥193,096 | ¥46,343,011 | ¥5,943,011 |
| 20 | 1.50% | ¥194,948 | ¥46,787,603 | ¥6,387,603 |
| 20 | 1.60% | ¥196,812 | ¥47,234,859 | ¥6,834,859 |
| 20 | 1.70% | ¥198,687 | ¥47,684,775 | ¥7,284,775 |
| 20 | 1.80% | ¥200,572 | ¥48,137,348 | ¥7,737,348 |
| 20 | 1.90% | ¥202,469 | ¥48,592,574 | ¥8,192,574 |
| 20 | 2.00% | ¥204,377 | ¥49,050,448 | ¥8,650,448 |
| 20 | 2.10% | ¥206,296 | ¥49,510,966 | ¥9,110,966 |
| 20 | 2.20% | ¥208,226 | ¥49,974,124 | ¥9,574,124 |
| 20 | 2.30% | ¥210,166 | ¥50,439,917 | ¥10,039,917 |
| 20 | 2.40% | ¥212,118 | ¥50,908,338 | ¥10,508,338 |
| 20 | 2.50% | ¥214,081 | ¥51,379,385 | ¥10,979,385 |
| 20 | 2.60% | ¥216,054 | ¥51,853,050 | ¥11,453,050 |
| 20 | 2.70% | ¥218,039 | ¥52,329,328 | ¥11,929,328 |
| 20 | 2.80% | ¥220,034 | ¥52,808,214 | ¥12,408,214 |
| 20 | 2.90% | ¥222,040 | ¥53,289,701 | ¥12,889,701 |
| 20 | 3.00% | ¥224,057 | ¥53,773,783 | ¥13,373,783 |
4040万円｜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% | ¥236,499 | ¥42,569,882 | ¥2,169,882 |
| 15 | 0.80% | ¥238,255 | ¥42,885,917 | ¥2,485,917 |
| 15 | 0.90% | ¥240,019 | ¥43,203,464 | ¥2,803,464 |
| 15 | 1.00% | ¥241,792 | ¥43,522,521 | ¥3,122,521 |
| 15 | 1.10% | ¥243,573 | ¥43,843,088 | ¥3,443,088 |
| 15 | 1.20% | ¥245,362 | ¥44,165,163 | ¥3,765,163 |
| 15 | 1.30% | ¥247,160 | ¥44,488,747 | ¥4,088,747 |
| 15 | 1.40% | ¥248,966 | ¥44,813,837 | ¥4,413,837 |
| 15 | 1.50% | ¥250,780 | ¥45,140,432 | ¥4,740,432 |
| 15 | 1.60% | ¥252,603 | ¥45,468,533 | ¥5,068,533 |
| 15 | 1.70% | ¥254,434 | ¥45,798,136 | ¥5,398,136 |
| 15 | 1.80% | ¥256,274 | ¥46,129,242 | ¥5,729,242 |
| 15 | 1.90% | ¥258,121 | ¥46,461,848 | ¥6,061,848 |
| 15 | 2.00% | ¥259,978 | ¥46,795,953 | ¥6,395,953 |
| 15 | 2.10% | ¥261,842 | ¥47,131,556 | ¥6,731,556 |
| 15 | 2.20% | ¥263,715 | ¥47,468,654 | ¥7,068,654 |
| 15 | 2.30% | ¥265,596 | ¥47,807,248 | ¥7,407,248 |
| 15 | 2.40% | ¥267,485 | ¥48,147,334 | ¥7,747,334 |
| 15 | 2.50% | ¥269,383 | ¥48,488,911 | ¥8,088,911 |
| 15 | 2.60% | ¥271,289 | ¥48,831,978 | ¥8,431,978 |
| 15 | 2.70% | ¥273,203 | ¥49,176,531 | ¥8,776,531 |
| 15 | 2.80% | ¥275,125 | ¥49,522,571 | ¥9,122,571 |
| 15 | 2.90% | ¥277,056 | ¥49,870,093 | ¥9,470,093 |
| 15 | 3.00% | ¥278,995 | ¥50,219,097 | ¥9,819,097 |
4040万円｜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% | ¥348,686 | ¥41,842,273 | ¥1,442,273 |
| 10 | 0.80% | ¥350,425 | ¥42,051,002 | ¥1,651,002 |
| 10 | 0.90% | ¥352,170 | ¥42,260,404 | ¥1,860,404 |
| 10 | 1.00% | ¥353,921 | ¥42,470,478 | ¥2,070,478 |
| 10 | 1.10% | ¥355,677 | ¥42,681,224 | ¥2,281,224 |
| 10 | 1.20% | ¥357,439 | ¥42,892,641 | ¥2,492,641 |
| 10 | 1.30% | ¥359,206 | ¥43,104,729 | ¥2,704,729 |
| 10 | 1.40% | ¥360,979 | ¥43,317,489 | ¥2,917,489 |
| 10 | 1.50% | ¥362,758 | ¥43,530,919 | ¥3,130,919 |
| 10 | 1.60% | ¥364,542 | ¥43,745,020 | ¥3,345,020 |
| 10 | 1.70% | ¥366,332 | ¥43,959,791 | ¥3,559,791 |
| 10 | 1.80% | ¥368,127 | ¥44,175,232 | ¥3,775,232 |
| 10 | 1.90% | ¥369,928 | ¥44,391,343 | ¥3,991,343 |
| 10 | 2.00% | ¥371,734 | ¥44,608,122 | ¥4,208,122 |
| 10 | 2.10% | ¥373,546 | ¥44,825,571 | ¥4,425,571 |
| 10 | 2.20% | ¥375,364 | ¥45,043,689 | ¥4,643,689 |
| 10 | 2.30% | ¥377,187 | ¥45,262,474 | ¥4,862,474 |
| 10 | 2.40% | ¥379,016 | ¥45,481,928 | ¥5,081,928 |
| 10 | 2.50% | ¥380,850 | ¥45,702,048 | ¥5,302,048 |
| 10 | 2.60% | ¥382,690 | ¥45,922,836 | ¥5,522,836 |
| 10 | 2.70% | ¥384,536 | ¥46,144,291 | ¥5,744,291 |
| 10 | 2.80% | ¥386,387 | ¥46,366,411 | ¥5,966,411 |
| 10 | 2.90% | ¥388,243 | ¥46,589,197 | ¥6,189,197 |
| 10 | 3.00% | ¥390,105 | ¥46,812,649 | ¥6,412,649 |
