4050万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。4050万円の住宅ローンが、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。
4050万円の住宅ローン｜期間・年数別
4050万円｜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% | ¥80,020 | ¥48,011,787 | ¥7,511,787 |
| 50 | 0.80% | ¥81,920 | ¥49,151,885 | ¥8,651,885 |
| 50 | 0.90% | ¥83,848 | ¥50,308,574 | ¥9,808,574 |
| 50 | 1.00% | ¥85,803 | ¥51,481,781 | ¥10,981,781 |
| 50 | 1.10% | ¥87,786 | ¥52,671,426 | ¥12,171,426 |
| 50 | 1.20% | ¥89,796 | ¥53,877,422 | ¥13,377,422 |
| 50 | 1.30% | ¥91,833 | ¥55,099,674 | ¥14,599,674 |
| 50 | 1.40% | ¥93,897 | ¥56,338,080 | ¥15,838,080 |
| 50 | 1.50% | ¥95,988 | ¥57,592,529 | ¥17,092,529 |
| 50 | 1.60% | ¥98,105 | ¥58,862,906 | ¥18,362,906 |
| 50 | 1.70% | ¥100,248 | ¥60,149,086 | ¥19,649,086 |
| 50 | 1.80% | ¥102,418 | ¥61,450,941 | ¥20,950,941 |
| 50 | 1.90% | ¥104,614 | ¥62,768,334 | ¥22,268,334 |
| 50 | 2.00% | ¥106,835 | ¥64,101,123 | ¥23,601,123 |
| 50 | 2.10% | ¥109,082 | ¥65,449,159 | ¥24,949,159 |
| 50 | 2.20% | ¥111,354 | ¥66,812,288 | ¥26,312,288 |
| 50 | 2.30% | ¥113,651 | ¥68,190,351 | ¥27,690,351 |
| 50 | 2.40% | ¥115,972 | ¥69,583,183 | ¥29,083,183 |
| 50 | 2.50% | ¥118,318 | ¥70,990,616 | ¥30,490,616 |
| 50 | 2.60% | ¥120,687 | ¥72,412,474 | ¥31,912,474 |
| 50 | 2.70% | ¥123,081 | ¥73,848,579 | ¥33,348,579 |
| 50 | 2.80% | ¥125,498 | ¥75,298,749 | ¥34,798,749 |
| 50 | 2.90% | ¥127,938 | ¥76,762,797 | ¥36,262,797 |
| 50 | 3.00% | ¥130,401 | ¥78,240,532 | ¥37,740,532 |
4050万円｜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% | ¥87,453 | ¥47,224,796 | ¥6,724,796 |
| 45 | 0.80% | ¥89,333 | ¥48,239,812 | ¥7,739,812 |
| 45 | 0.90% | ¥91,238 | ¥49,268,307 | ¥8,768,307 |
| 45 | 1.00% | ¥93,167 | ¥50,310,233 | ¥9,810,233 |
| 45 | 1.10% | ¥95,121 | ¥51,365,537 | ¥10,865,537 |
| 45 | 1.20% | ¥97,100 | ¥52,434,162 | ¥11,934,162 |
| 45 | 1.30% | ¥99,104 | ¥53,516,044 | ¥13,016,044 |
| 45 | 1.40% | ¥101,132 | ¥54,611,114 | ¥14,111,114 |
| 45 | 1.50% | ¥103,184 | ¥55,719,301 | ¥15,219,301 |
| 45 | 1.60% | ¥105,260 | ¥56,840,526 | ¥16,340,526 |
| 45 | 1.70% | ¥107,361 | ¥57,974,707 | ¥17,474,707 |
| 45 | 1.80% | ¥109,485 | ¥59,121,757 | ¥18,621,757 |
| 45 | 1.90% | ¥111,633 | ¥60,281,585 | ¥19,781,585 |
| 45 | 2.00% | ¥113,804 | ¥61,454,096 | ¥20,954,096 |
| 45 | 2.10% | ¥115,998 | ¥62,639,190 | ¥22,139,190 |
| 45 | 2.20% | ¥118,216 | ¥63,836,763 | ¥23,336,763 |
| 45 | 2.30% | ¥120,457 | ¥65,046,707 | ¥24,546,707 |
| 45 | 2.40% | ¥122,720 | ¥66,268,912 | ¥25,768,912 |
| 45 | 2.50% | ¥125,006 | ¥67,503,262 | ¥27,003,262 |
| 45 | 2.60% | ¥127,314 | ¥68,749,639 | ¥28,249,639 |
| 45 | 2.70% | ¥129,644 | ¥70,007,921 | ¥29,507,921 |
| 45 | 2.80% | ¥131,996 | ¥71,277,984 | ¥30,777,984 |
| 45 | 2.90% | ¥134,370 | ¥72,559,699 | ¥32,059,699 |
| 45 | 3.00% | ¥136,765 | ¥73,852,936 | ¥33,352,936 |
4050万円｜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% | ¥96,762 | ¥46,445,989 | ¥5,945,989 |
| 40 | 0.80% | ¥98,622 | ¥47,338,396 | ¥6,838,396 |
| 40 | 0.90% | ¥100,503 | ¥48,241,481 | ¥7,741,481 |
| 40 | 1.00% | ¥102,407 | ¥49,155,215 | ¥8,655,215 |
| 40 | 1.10% | ¥104,332 | ¥50,079,565 | ¥9,579,565 |
| 40 | 1.20% | ¥106,280 | ¥51,014,493 | ¥10,514,493 |
| 40 | 1.30% | ¥108,250 | ¥51,959,960 | ¥11,459,960 |
| 40 | 1.40% | ¥110,242 | ¥52,915,922 | ¥12,415,922 |
| 40 | 1.50% | ¥112,255 | ¥53,882,334 | ¥13,382,334 |
| 40 | 1.60% | ¥114,290 | ¥54,859,146 | ¥14,359,146 |
| 40 | 1.70% | ¥116,346 | ¥55,846,305 | ¥15,346,305 |
| 40 | 1.80% | ¥118,424 | ¥56,843,757 | ¥16,343,757 |
| 40 | 1.90% | ¥120,524 | ¥57,851,444 | ¥17,351,444 |
| 40 | 2.00% | ¥122,644 | ¥58,869,304 | ¥18,369,304 |
| 40 | 2.10% | ¥124,786 | ¥59,897,274 | ¥19,397,274 |
| 40 | 2.20% | ¥126,949 | ¥60,935,288 | ¥20,435,288 |
| 40 | 2.30% | ¥129,132 | ¥61,983,276 | ¥21,483,276 |
| 40 | 2.40% | ¥131,336 | ¥63,041,167 | ¥22,541,167 |
| 40 | 2.50% | ¥133,560 | ¥64,108,887 | ¥23,608,887 |
| 40 | 2.60% | ¥135,805 | ¥65,186,360 | ¥24,686,360 |
| 40 | 2.70% | ¥138,070 | ¥66,273,507 | ¥25,773,507 |
| 40 | 2.80% | ¥140,355 | ¥67,370,247 | ¥26,870,247 |
| 40 | 2.90% | ¥142,659 | ¥68,476,497 | ¥27,976,497 |
| 40 | 3.00% | ¥144,984 | ¥69,592,172 | ¥29,092,172 |
4050万円｜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% | ¥108,751 | ¥45,675,384 | ¥5,175,384 |
| 35 | 0.80% | ¥110,590 | ¥46,447,666 | ¥5,947,666 |
| 35 | 0.90% | ¥112,448 | ¥47,228,143 | ¥6,728,143 |
| 35 | 1.00% | ¥114,326 | ¥48,016,797 | ¥7,516,797 |
| 35 | 1.10% | ¥116,223 | ¥48,813,610 | ¥8,313,610 |
| 35 | 1.20% | ¥118,139 | ¥49,618,559 | ¥9,118,559 |
| 35 | 1.30% | ¥120,075 | ¥50,431,620 | ¥9,931,620 |
| 35 | 1.40% | ¥122,030 | ¥51,252,767 | ¥10,752,767 |
| 35 | 1.50% | ¥124,005 | ¥52,081,973 | ¥11,581,973 |
| 35 | 1.60% | ¥125,998 | ¥52,919,209 | ¥12,419,209 |
| 35 | 1.70% | ¥128,011 | ¥53,764,443 | ¥13,264,443 |
| 35 | 1.80% | ¥130,042 | ¥54,617,643 | ¥14,117,643 |
| 35 | 1.90% | ¥132,092 | ¥55,478,773 | ¥14,978,773 |
| 35 | 2.00% | ¥134,161 | ¥56,347,797 | ¥15,847,797 |
| 35 | 2.10% | ¥136,249 | ¥57,224,677 | ¥16,724,677 |
| 35 | 2.20% | ¥138,356 | ¥58,109,374 | ¥17,609,374 |
| 35 | 2.30% | ¥140,481 | ¥59,001,844 | ¥18,501,844 |
| 35 | 2.40% | ¥142,624 | ¥59,902,047 | ¥19,402,047 |
| 35 | 2.50% | ¥144,786 | ¥60,809,936 | ¥20,309,936 |
| 35 | 2.60% | ¥146,965 | ¥61,725,466 | ¥21,225,466 |
| 35 | 2.70% | ¥149,163 | ¥62,648,589 | ¥22,148,589 |
| 35 | 2.80% | ¥151,379 | ¥63,579,256 | ¥23,079,256 |
| 35 | 2.90% | ¥153,613 | ¥64,517,416 | ¥24,017,416 |
| 35 | 3.00% | ¥155,864 | ¥65,463,017 | ¥24,963,017 |
4050万円｜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% | ¥124,758 | ¥44,912,996 | ¥4,412,996 |
| 30 | 0.80% | ¥126,577 | ¥45,567,648 | ¥5,067,648 |
| 30 | 0.90% | ¥128,412 | ¥46,228,333 | ¥5,728,333 |
| 30 | 1.00% | ¥130,264 | ¥46,895,042 | ¥6,395,042 |
| 30 | 1.10% | ¥132,133 | ¥47,567,764 | ¥7,067,764 |
| 30 | 1.20% | ¥134,018 | ¥48,246,488 | ¥7,746,488 |
| 30 | 1.30% | ¥135,920 | ¥48,931,199 | ¥8,431,199 |
| 30 | 1.40% | ¥137,839 | ¥49,621,883 | ¥9,121,883 |
| 30 | 1.50% | ¥139,774 | ¥50,318,527 | ¥9,818,527 |
| 30 | 1.60% | ¥141,725 | ¥51,021,112 | ¥10,521,112 |
| 30 | 1.70% | ¥143,693 | ¥51,729,623 | ¥11,229,623 |
| 30 | 1.80% | ¥145,678 | ¥52,444,041 | ¥11,944,041 |
| 30 | 1.90% | ¥147,679 | ¥53,164,346 | ¥12,664,346 |
| 30 | 2.00% | ¥149,696 | ¥53,890,519 | ¥13,390,519 |
| 30 | 2.10% | ¥151,729 | ¥54,622,539 | ¥14,122,539 |
| 30 | 2.20% | ¥153,779 | ¥55,360,383 | ¥14,860,383 |
| 30 | 2.30% | ¥155,845 | ¥56,104,028 | ¥15,604,028 |
| 30 | 2.40% | ¥157,926 | ¥56,853,451 | ¥16,353,451 |
| 30 | 2.50% | ¥160,024 | ¥57,608,627 | ¥17,108,627 |
| 30 | 2.60% | ¥162,138 | ¥58,369,530 | ¥17,869,530 |
| 30 | 2.70% | ¥164,267 | ¥59,136,133 | ¥18,636,133 |
| 30 | 2.80% | ¥166,412 | ¥59,908,410 | ¥19,408,410 |
| 30 | 2.90% | ¥168,573 | ¥60,686,331 | ¥20,186,331 |
| 30 | 3.00% | ¥170,750 | ¥61,469,868 | ¥20,969,868 |
4050万円｜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% | ¥147,196 | ¥44,158,838 | ¥3,658,838 |
| 25 | 0.80% | ¥148,995 | ¥44,698,364 | ¥4,198,364 |
| 25 | 0.90% | ¥150,807 | ¥45,242,087 | ¥4,742,087 |
| 25 | 1.00% | ¥152,633 | ¥45,790,003 | ¥5,290,003 |
| 25 | 1.10% | ¥154,474 | ¥46,342,106 | ¥5,842,106 |
| 25 | 1.20% | ¥156,328 | ¥46,898,391 | ¥6,398,391 |
| 25 | 1.30% | ¥158,196 | ¥47,458,850 | ¥6,958,850 |
| 25 | 1.40% | ¥160,078 | ¥48,023,477 | ¥7,523,477 |
| 25 | 1.50% | ¥161,974 | ¥48,592,264 | ¥8,092,264 |
| 25 | 1.60% | ¥163,884 | ¥49,165,203 | ¥8,665,203 |
| 25 | 1.70% | ¥165,808 | ¥49,742,285 | ¥9,242,285 |
| 25 | 1.80% | ¥167,745 | ¥50,323,502 | ¥9,823,502 |
| 25 | 1.90% | ¥169,696 | ¥50,908,845 | ¥10,408,845 |
| 25 | 2.00% | ¥171,661 | ¥51,498,302 | ¥10,998,302 |
| 25 | 2.10% | ¥173,640 | ¥52,091,864 | ¥11,591,864 |
| 25 | 2.20% | ¥175,632 | ¥52,689,520 | ¥12,189,520 |
| 25 | 2.30% | ¥177,638 | ¥53,291,258 | ¥12,791,258 |
| 25 | 2.40% | ¥179,657 | ¥53,897,067 | ¥13,397,067 |
| 25 | 2.50% | ¥181,690 | ¥54,506,933 | ¥14,006,933 |
| 25 | 2.60% | ¥183,736 | ¥55,120,845 | ¥14,620,845 |
| 25 | 2.70% | ¥185,796 | ¥55,738,789 | ¥15,238,789 |
| 25 | 2.80% | ¥187,869 | ¥56,360,752 | ¥15,860,752 |
| 25 | 2.90% | ¥189,956 | ¥56,986,718 | ¥16,486,718 |
| 25 | 3.00% | ¥192,056 | ¥57,616,675 | ¥17,116,675 |
4050万円｜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% | ¥180,887 | ¥43,412,920 | ¥2,912,920 |
| 20 | 0.80% | ¥182,666 | ¥43,839,833 | ¥3,339,833 |
| 20 | 0.90% | ¥184,456 | ¥44,269,436 | ¥3,769,436 |
| 20 | 1.00% | ¥186,257 | ¥44,701,727 | ¥4,201,727 |
| 20 | 1.10% | ¥188,070 | ¥45,136,703 | ¥4,636,703 |
| 20 | 1.20% | ¥189,893 | ¥45,574,363 | ¥5,074,363 |
| 20 | 1.30% | ¥191,728 | ¥46,014,704 | ¥5,514,704 |
| 20 | 1.40% | ¥193,574 | ¥46,457,722 | ¥5,957,722 |
| 20 | 1.50% | ¥195,431 | ¥46,903,414 | ¥6,403,414 |
| 20 | 1.60% | ¥197,299 | ¥47,351,777 | ¥6,851,777 |
| 20 | 1.70% | ¥199,178 | ¥47,802,807 | ¥7,302,807 |
| 20 | 1.80% | ¥201,069 | ¥48,256,500 | ¥7,756,500 |
| 20 | 1.90% | ¥202,970 | ¥48,712,853 | ¥8,212,853 |
| 20 | 2.00% | ¥204,883 | ¥49,171,860 | ¥8,671,860 |
| 20 | 2.10% | ¥206,806 | ¥49,633,518 | ¥9,133,518 |
| 20 | 2.20% | ¥208,741 | ¥50,097,823 | ¥9,597,823 |
| 20 | 2.30% | ¥210,687 | ¥50,564,768 | ¥10,064,768 |
| 20 | 2.40% | ¥212,643 | ¥51,034,349 | ¥10,534,349 |
| 20 | 2.50% | ¥214,611 | ¥51,506,561 | ¥11,006,561 |
| 20 | 2.60% | ¥216,589 | ¥51,981,399 | ¥11,481,399 |
| 20 | 2.70% | ¥218,579 | ¥52,458,856 | ¥11,958,856 |
| 20 | 2.80% | ¥220,579 | ¥52,938,927 | ¥12,438,927 |
| 20 | 2.90% | ¥222,590 | ¥53,421,606 | ¥12,921,606 |
| 20 | 3.00% | ¥224,612 | ¥53,906,887 | ¥13,406,887 |
4050万円｜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% | ¥237,085 | ¥42,675,253 | ¥2,175,253 |
| 15 | 0.80% | ¥238,845 | ¥42,992,071 | ¥2,492,071 |
| 15 | 0.90% | ¥240,613 | ¥43,310,403 | ¥2,810,403 |
| 15 | 1.00% | ¥242,390 | ¥43,630,250 | ¥3,130,250 |
| 15 | 1.10% | ¥244,176 | ¥43,951,610 | ¥3,451,610 |
| 15 | 1.20% | ¥245,969 | ¥44,274,483 | ¥3,774,483 |
| 15 | 1.30% | ¥247,771 | ¥44,598,867 | ¥4,098,867 |
| 15 | 1.40% | ¥249,582 | ¥44,924,762 | ¥4,424,762 |
| 15 | 1.50% | ¥251,401 | ¥45,252,166 | ¥4,752,166 |
| 15 | 1.60% | ¥253,228 | ¥45,581,079 | ¥5,081,079 |
| 15 | 1.70% | ¥255,064 | ¥45,911,498 | ¥5,411,498 |
| 15 | 1.80% | ¥256,908 | ¥46,243,423 | ¥5,743,423 |
| 15 | 1.90% | ¥258,760 | ¥46,576,852 | ¥6,076,852 |
| 15 | 2.00% | ¥260,621 | ¥46,911,784 | ¥6,411,784 |
| 15 | 2.10% | ¥262,490 | ¥47,248,218 | ¥6,748,218 |
| 15 | 2.20% | ¥264,368 | ¥47,586,151 | ¥7,086,151 |
| 15 | 2.30% | ¥266,253 | ¥47,925,583 | ¥7,425,583 |
| 15 | 2.40% | ¥268,147 | ¥48,266,511 | ¥7,766,511 |
| 15 | 2.50% | ¥270,050 | ¥48,608,933 | ¥8,108,933 |
| 15 | 2.60% | ¥271,960 | ¥48,952,849 | ¥8,452,849 |
| 15 | 2.70% | ¥273,879 | ¥49,298,256 | ¥8,798,256 |
| 15 | 2.80% | ¥275,806 | ¥49,645,151 | ¥9,145,151 |
| 15 | 2.90% | ¥277,742 | ¥49,993,534 | ¥9,493,534 |
| 15 | 3.00% | ¥279,686 | ¥50,343,402 | ¥9,843,402 |
4050万円｜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% | ¥349,549 | ¥41,945,843 | ¥1,445,843 |
| 10 | 0.80% | ¥351,292 | ¥42,155,089 | ¥1,655,089 |
| 10 | 0.90% | ¥353,042 | ¥42,365,009 | ¥1,865,009 |
| 10 | 1.00% | ¥354,797 | ¥42,575,603 | ¥2,075,603 |
| 10 | 1.10% | ¥356,557 | ¥42,786,870 | ¥2,286,870 |
| 10 | 1.20% | ¥358,323 | ¥42,998,811 | ¥2,498,811 |
| 10 | 1.30% | ¥360,095 | ¥43,211,424 | ¥2,711,424 |
| 10 | 1.40% | ¥361,873 | ¥43,424,710 | ¥2,924,710 |
| 10 | 1.50% | ¥363,656 | ¥43,638,669 | ¥3,138,669 |
| 10 | 1.60% | ¥365,444 | ¥43,853,300 | ¥3,353,300 |
| 10 | 1.70% | ¥367,238 | ¥44,068,602 | ¥3,568,602 |
| 10 | 1.80% | ¥369,038 | ¥44,284,577 | ¥3,784,577 |
| 10 | 1.90% | ¥370,844 | ¥44,501,222 | ¥4,001,222 |
| 10 | 2.00% | ¥372,654 | ¥44,718,539 | ¥4,218,539 |
| 10 | 2.10% | ¥374,471 | ¥44,936,526 | ¥4,436,526 |
| 10 | 2.20% | ¥376,293 | ¥45,155,183 | ¥4,655,183 |
| 10 | 2.30% | ¥378,121 | ¥45,374,510 | ¥4,874,510 |
| 10 | 2.40% | ¥379,954 | ¥45,594,507 | ¥5,094,507 |
| 10 | 2.50% | ¥381,793 | ¥45,815,172 | ¥5,315,172 |
| 10 | 2.60% | ¥383,638 | ¥46,036,507 | ¥5,536,507 |
| 10 | 2.70% | ¥385,488 | ¥46,258,509 | ¥5,758,509 |
| 10 | 2.80% | ¥387,343 | ¥46,481,180 | ¥5,981,180 |
| 10 | 2.90% | ¥389,204 | ¥46,704,517 | ¥6,204,517 |
| 10 | 3.00% | ¥391,071 | ¥46,928,522 | ¥6,428,522 |
