4900万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。4900万円の住宅ローンが、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。
4900万円の住宅ローン｜期間・年数別
4900万円｜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% | ¥96,814 | ¥58,088,335 | ¥9,088,335 |
| 50 | 0.80% | ¥99,113 | ¥59,467,713 | ¥10,467,713 |
| 50 | 0.90% | ¥101,445 | ¥60,867,164 | ¥11,867,164 |
| 50 | 1.00% | ¥103,811 | ¥62,286,599 | ¥13,286,599 |
| 50 | 1.10% | ¥106,210 | ¥63,725,923 | ¥14,725,923 |
| 50 | 1.20% | ¥108,642 | ¥65,185,029 | ¥16,185,029 |
| 50 | 1.30% | ¥111,106 | ¥66,663,803 | ¥17,663,803 |
| 50 | 1.40% | ¥113,604 | ¥68,162,121 | ¥19,162,121 |
| 50 | 1.50% | ¥116,133 | ¥69,679,850 | ¥20,679,850 |
| 50 | 1.60% | ¥118,695 | ¥71,216,849 | ¥22,216,849 |
| 50 | 1.70% | ¥121,288 | ¥72,772,969 | ¥23,772,969 |
| 50 | 1.80% | ¥123,913 | ¥74,348,053 | ¥25,348,053 |
| 50 | 1.90% | ¥126,570 | ¥75,941,935 | ¥26,941,935 |
| 50 | 2.00% | ¥129,257 | ¥77,554,445 | ¥28,554,445 |
| 50 | 2.10% | ¥131,976 | ¥79,185,402 | ¥30,185,402 |
| 50 | 2.20% | ¥134,724 | ¥80,834,620 | ¥31,834,620 |
| 50 | 2.30% | ¥137,503 | ¥82,501,906 | ¥33,501,906 |
| 50 | 2.40% | ¥140,312 | ¥84,187,061 | ¥35,187,061 |
| 50 | 2.50% | ¥143,150 | ¥85,889,881 | ¥36,889,881 |
| 50 | 2.60% | ¥146,017 | ¥87,610,153 | ¥38,610,153 |
| 50 | 2.70% | ¥148,913 | ¥89,347,664 | ¥40,347,664 |
| 50 | 2.80% | ¥151,837 | ¥91,102,190 | ¥42,102,190 |
| 50 | 2.90% | ¥154,789 | ¥92,873,507 | ¥43,873,507 |
| 50 | 3.00% | ¥157,769 | ¥94,661,384 | ¥45,661,384 |
4900万円｜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% | ¥105,808 | ¥57,136,173 | ¥8,136,173 |
| 45 | 0.80% | ¥108,082 | ¥58,364,217 | ¥9,364,217 |
| 45 | 0.90% | ¥110,386 | ¥59,608,569 | ¥10,608,569 |
| 45 | 1.00% | ¥112,721 | ¥60,869,171 | ¥11,869,171 |
| 45 | 1.10% | ¥115,085 | ¥62,145,959 | ¥13,145,959 |
| 45 | 1.20% | ¥117,479 | ¥63,438,863 | ¥14,438,863 |
| 45 | 1.30% | ¥119,903 | ¥64,747,806 | ¥15,747,806 |
| 45 | 1.40% | ¥122,357 | ¥66,072,706 | ¥17,072,706 |
| 45 | 1.50% | ¥124,840 | ¥67,413,475 | ¥18,413,475 |
| 45 | 1.60% | ¥127,352 | ¥68,770,019 | ¥19,770,019 |
| 45 | 1.70% | ¥129,893 | ¥70,142,238 | ¥21,142,238 |
| 45 | 1.80% | ¥132,463 | ¥71,530,027 | ¥22,530,027 |
| 45 | 1.90% | ¥135,062 | ¥72,933,276 | ¥23,933,276 |
| 45 | 2.00% | ¥137,689 | ¥74,351,870 | ¥25,351,870 |
| 45 | 2.10% | ¥140,344 | ¥75,785,686 | ¥26,785,686 |
| 45 | 2.20% | ¥143,027 | ¥77,234,602 | ¥28,234,602 |
| 45 | 2.30% | ¥145,738 | ¥78,698,485 | ¥29,698,485 |
| 45 | 2.40% | ¥148,476 | ¥80,177,202 | ¥31,177,202 |
| 45 | 2.50% | ¥151,242 | ¥81,670,613 | ¥32,670,613 |
| 45 | 2.60% | ¥154,034 | ¥83,178,575 | ¥34,178,575 |
| 45 | 2.70% | ¥156,854 | ¥84,700,941 | ¥35,700,941 |
| 45 | 2.80% | ¥159,699 | ¥86,237,560 | ¥37,237,560 |
| 45 | 2.90% | ¥162,571 | ¥87,788,278 | ¥38,788,278 |
| 45 | 3.00% | ¥165,468 | ¥89,352,935 | ¥40,352,935 |
4900万円｜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% | ¥117,071 | ¥56,193,913 | ¥7,193,913 |
| 40 | 0.80% | ¥119,320 | ¥57,273,614 | ¥8,273,614 |
| 40 | 0.90% | ¥121,596 | ¥58,366,236 | ¥9,366,236 |
| 40 | 1.00% | ¥123,899 | ¥59,471,742 | ¥10,471,742 |
| 40 | 1.10% | ¥126,229 | ¥60,590,091 | ¥11,590,091 |
| 40 | 1.20% | ¥128,586 | ¥61,721,238 | ¥12,721,238 |
| 40 | 1.30% | ¥130,969 | ¥62,865,136 | ¥13,865,136 |
| 40 | 1.40% | ¥133,379 | ¥64,021,733 | ¥15,021,733 |
| 40 | 1.50% | ¥135,815 | ¥65,190,972 | ¥16,190,972 |
| 40 | 1.60% | ¥138,277 | ¥66,372,794 | ¥17,372,794 |
| 40 | 1.70% | ¥140,765 | ¥67,567,135 | ¥18,567,135 |
| 40 | 1.80% | ¥143,279 | ¥68,773,929 | ¥19,773,929 |
| 40 | 1.90% | ¥145,819 | ¥69,993,105 | ¥20,993,105 |
| 40 | 2.00% | ¥148,385 | ¥71,224,590 | ¥22,224,590 |
| 40 | 2.10% | ¥150,976 | ¥72,468,307 | ¥23,468,307 |
| 40 | 2.20% | ¥153,592 | ¥73,724,175 | ¥24,724,175 |
| 40 | 2.30% | ¥156,234 | ¥74,992,112 | ¥25,992,112 |
| 40 | 2.40% | ¥158,900 | ¥76,272,029 | ¥27,272,029 |
| 40 | 2.50% | ¥161,591 | ¥77,563,839 | ¥28,563,839 |
| 40 | 2.60% | ¥164,307 | ¥78,867,448 | ¥29,867,448 |
| 40 | 2.70% | ¥167,047 | ¥80,182,762 | ¥31,182,762 |
| 40 | 2.80% | ¥169,812 | ¥81,509,682 | ¥32,509,682 |
| 40 | 2.90% | ¥172,600 | ¥82,848,107 | ¥33,848,107 |
| 40 | 3.00% | ¥175,412 | ¥84,197,936 | ¥35,197,936 |
4900万円｜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% | ¥131,575 | ¥55,261,576 | ¥6,261,576 |
| 35 | 0.80% | ¥133,800 | ¥56,195,941 | ¥7,195,941 |
| 35 | 0.90% | ¥136,048 | ¥57,140,222 | ¥8,140,222 |
| 35 | 1.00% | ¥138,320 | ¥58,094,397 | ¥9,094,397 |
| 35 | 1.10% | ¥140,615 | ¥59,058,442 | ¥10,058,442 |
| 35 | 1.20% | ¥142,934 | ¥60,032,330 | ¥11,032,330 |
| 35 | 1.30% | ¥145,276 | ¥61,016,034 | ¥12,016,034 |
| 35 | 1.40% | ¥147,642 | ¥62,009,520 | ¥13,009,520 |
| 35 | 1.50% | ¥150,030 | ¥63,012,758 | ¥14,012,758 |
| 35 | 1.60% | ¥152,442 | ¥64,025,710 | ¥15,025,710 |
| 35 | 1.70% | ¥154,877 | ¥65,048,339 | ¥16,048,339 |
| 35 | 1.80% | ¥157,335 | ¥66,080,605 | ¥17,080,605 |
| 35 | 1.90% | ¥159,815 | ¥67,122,466 | ¥18,122,466 |
| 35 | 2.00% | ¥162,319 | ¥68,173,878 | ¥19,173,878 |
| 35 | 2.10% | ¥164,845 | ¥69,234,795 | ¥20,234,795 |
| 35 | 2.20% | ¥167,393 | ¥70,305,168 | ¥21,305,168 |
| 35 | 2.30% | ¥169,964 | ¥71,384,948 | ¥22,384,948 |
| 35 | 2.40% | ¥172,557 | ¥72,474,081 | ¥23,474,081 |
| 35 | 2.50% | ¥175,173 | ¥73,572,515 | ¥24,572,515 |
| 35 | 2.60% | ¥177,810 | ¥74,680,194 | ¥25,680,194 |
| 35 | 2.70% | ¥180,469 | ¥75,797,058 | ¥26,797,058 |
| 35 | 2.80% | ¥183,150 | ¥76,923,050 | ¥27,923,050 |
| 35 | 2.90% | ¥185,853 | ¥78,058,108 | ¥29,058,108 |
| 35 | 3.00% | ¥188,577 | ¥79,202,169 | ¥30,202,169 |
4900万円｜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% | ¥150,942 | ¥54,339,181 | ¥5,339,181 |
| 30 | 0.80% | ¥153,142 | ¥55,131,228 | ¥6,131,228 |
| 30 | 0.90% | ¥155,363 | ¥55,930,575 | ¥6,930,575 |
| 30 | 1.00% | ¥157,603 | ¥56,737,211 | ¥7,737,211 |
| 30 | 1.10% | ¥159,864 | ¥57,551,122 | ¥8,551,122 |
| 30 | 1.20% | ¥162,145 | ¥58,372,294 | ¥9,372,294 |
| 30 | 1.30% | ¥164,446 | ¥59,200,709 | ¥10,200,709 |
| 30 | 1.40% | ¥166,768 | ¥60,036,353 | ¥11,036,353 |
| 30 | 1.50% | ¥169,109 | ¥60,879,205 | ¥11,879,205 |
| 30 | 1.60% | ¥171,470 | ¥61,729,247 | ¥12,729,247 |
| 30 | 1.70% | ¥173,851 | ¥62,586,457 | ¥13,586,457 |
| 30 | 1.80% | ¥176,252 | ¥63,450,815 | ¥14,450,815 |
| 30 | 1.90% | ¥178,673 | ¥64,322,295 | ¥15,322,295 |
| 30 | 2.00% | ¥181,114 | ¥65,200,875 | ¥16,200,875 |
| 30 | 2.10% | ¥183,574 | ¥66,086,528 | ¥17,086,528 |
| 30 | 2.20% | ¥186,053 | ¥66,979,228 | ¥17,979,228 |
| 30 | 2.30% | ¥188,553 | ¥67,878,948 | ¥18,878,948 |
| 30 | 2.40% | ¥191,071 | ¥68,785,657 | ¥19,785,657 |
| 30 | 2.50% | ¥193,609 | ¥69,699,327 | ¥20,699,327 |
| 30 | 2.60% | ¥196,166 | ¥70,619,925 | ¥21,619,925 |
| 30 | 2.70% | ¥198,743 | ¥71,547,421 | ¥22,547,421 |
| 30 | 2.80% | ¥201,338 | ¥72,481,780 | ¥23,481,780 |
| 30 | 2.90% | ¥203,953 | ¥73,422,968 | ¥24,422,968 |
| 30 | 3.00% | ¥206,586 | ¥74,370,952 | ¥25,370,952 |
4900万円｜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% | ¥178,089 | ¥53,426,742 | ¥4,426,742 |
| 25 | 0.80% | ¥180,265 | ¥54,079,502 | ¥5,079,502 |
| 25 | 0.90% | ¥182,458 | ¥54,737,340 | ¥5,737,340 |
| 25 | 1.00% | ¥184,668 | ¥55,400,251 | ¥6,400,251 |
| 25 | 1.10% | ¥186,894 | ¥56,068,228 | ¥7,068,228 |
| 25 | 1.20% | ¥189,138 | ¥56,741,263 | ¥7,741,263 |
| 25 | 1.30% | ¥191,398 | ¥57,419,349 | ¥8,419,349 |
| 25 | 1.40% | ¥193,675 | ¥58,102,478 | ¥9,102,478 |
| 25 | 1.50% | ¥195,969 | ¥58,790,640 | ¥9,790,640 |
| 25 | 1.60% | ¥198,279 | ¥59,483,825 | ¥10,483,825 |
| 25 | 1.70% | ¥200,607 | ¥60,182,024 | ¥11,182,024 |
| 25 | 1.80% | ¥202,951 | ¥60,885,225 | ¥11,885,225 |
| 25 | 1.90% | ¥205,311 | ¥61,593,417 | ¥12,593,417 |
| 25 | 2.00% | ¥207,689 | ¥62,306,588 | ¥13,306,588 |
| 25 | 2.10% | ¥210,082 | ¥63,024,725 | ¥14,024,725 |
| 25 | 2.20% | ¥212,493 | ¥63,747,814 | ¥14,747,814 |
| 25 | 2.30% | ¥214,919 | ¥64,475,843 | ¥15,475,843 |
| 25 | 2.40% | ¥217,363 | ¥65,208,797 | ¥16,208,797 |
| 25 | 2.50% | ¥219,822 | ¥65,946,660 | ¥16,946,660 |
| 25 | 2.60% | ¥222,298 | ¥66,689,418 | ¥17,689,418 |
| 25 | 2.70% | ¥224,790 | ¥67,437,054 | ¥18,437,054 |
| 25 | 2.80% | ¥227,299 | ¥68,189,551 | ¥19,189,551 |
| 25 | 2.90% | ¥229,823 | ¥68,946,894 | ¥19,946,894 |
| 25 | 3.00% | ¥232,364 | ¥69,709,063 | ¥20,709,063 |
4900万円｜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% | ¥218,851 | ¥52,524,274 | ¥3,524,274 |
| 20 | 0.80% | ¥221,003 | ¥53,040,785 | ¥4,040,785 |
| 20 | 0.90% | ¥223,169 | ¥53,560,552 | ¥4,560,552 |
| 20 | 1.00% | ¥225,348 | ¥54,083,570 | ¥5,083,570 |
| 20 | 1.10% | ¥227,541 | ¥54,609,839 | ¥5,609,839 |
| 20 | 1.20% | ¥229,747 | ¥55,139,353 | ¥6,139,353 |
| 20 | 1.30% | ¥231,967 | ¥55,672,111 | ¥6,672,111 |
| 20 | 1.40% | ¥234,200 | ¥56,208,108 | ¥7,208,108 |
| 20 | 1.50% | ¥236,447 | ¥56,747,340 | ¥7,747,340 |
| 20 | 1.60% | ¥238,708 | ¥57,289,804 | ¥8,289,804 |
| 20 | 1.70% | ¥240,981 | ¥57,835,494 | ¥8,835,494 |
| 20 | 1.80% | ¥243,268 | ¥58,384,407 | ¥9,384,407 |
| 20 | 1.90% | ¥245,569 | ¥58,936,538 | ¥9,936,538 |
| 20 | 2.00% | ¥247,883 | ¥59,491,880 | ¥10,491,880 |
| 20 | 2.10% | ¥250,210 | ¥60,050,430 | ¥11,050,430 |
| 20 | 2.20% | ¥252,551 | ¥60,612,180 | ¥11,612,180 |
| 20 | 2.30% | ¥254,905 | ¥61,177,126 | ¥12,177,126 |
| 20 | 2.40% | ¥257,272 | ¥61,745,262 | ¥12,745,262 |
| 20 | 2.50% | ¥259,652 | ¥62,316,580 | ¥13,316,580 |
| 20 | 2.60% | ¥262,046 | ¥62,891,075 | ¥13,891,075 |
| 20 | 2.70% | ¥264,453 | ¥63,468,739 | ¥14,468,739 |
| 20 | 2.80% | ¥266,873 | ¥64,049,566 | ¥15,049,566 |
| 20 | 2.90% | ¥269,306 | ¥64,633,548 | ¥15,633,548 |
| 20 | 3.00% | ¥271,753 | ¥65,220,678 | ¥16,220,678 |
4900万円｜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% | ¥286,843 | ¥51,631,788 | ¥2,631,788 |
| 15 | 0.80% | ¥288,973 | ¥52,015,098 | ¥3,015,098 |
| 15 | 0.90% | ¥291,112 | ¥52,400,241 | ¥3,400,241 |
| 15 | 1.00% | ¥293,262 | ¥52,787,216 | ¥3,787,216 |
| 15 | 1.10% | ¥295,422 | ¥53,176,022 | ¥4,176,022 |
| 15 | 1.20% | ¥297,593 | ¥53,566,659 | ¥4,566,659 |
| 15 | 1.30% | ¥299,773 | ¥53,959,123 | ¥4,959,123 |
| 15 | 1.40% | ¥301,963 | ¥54,353,416 | ¥5,353,416 |
| 15 | 1.50% | ¥304,164 | ¥54,749,534 | ¥5,749,534 |
| 15 | 1.60% | ¥306,375 | ¥55,147,478 | ¥6,147,478 |
| 15 | 1.70% | ¥308,596 | ¥55,547,244 | ¥6,547,244 |
| 15 | 1.80% | ¥310,827 | ¥55,948,833 | ¥6,948,833 |
| 15 | 1.90% | ¥313,068 | ¥56,352,241 | ¥7,352,241 |
| 15 | 2.00% | ¥315,319 | ¥56,757,467 | ¥7,757,467 |
| 15 | 2.10% | ¥317,581 | ¥57,164,510 | ¥8,164,510 |
| 15 | 2.20% | ¥319,852 | ¥57,573,368 | ¥8,573,368 |
| 15 | 2.30% | ¥322,134 | ¥57,984,038 | ¥8,984,038 |
| 15 | 2.40% | ¥324,425 | ¥58,396,519 | ¥9,396,519 |
| 15 | 2.50% | ¥326,727 | ¥58,810,808 | ¥9,810,808 |
| 15 | 2.60% | ¥329,038 | ¥59,226,904 | ¥10,226,904 |
| 15 | 2.70% | ¥331,360 | ¥59,644,803 | ¥10,644,803 |
| 15 | 2.80% | ¥333,692 | ¥60,064,504 | ¥11,064,504 |
| 15 | 2.90% | ¥336,033 | ¥60,486,004 | ¥11,486,004 |
| 15 | 3.00% | ¥338,385 | ¥60,909,301 | ¥11,909,301 |
4900万円｜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% | ¥422,911 | ¥50,749,291 | ¥1,749,291 |
| 10 | 0.80% | ¥425,020 | ¥51,002,453 | ¥2,002,453 |
| 10 | 0.90% | ¥427,137 | ¥51,256,431 | ¥2,256,431 |
| 10 | 1.00% | ¥429,260 | ¥51,511,223 | ¥2,511,223 |
| 10 | 1.10% | ¥431,390 | ¥51,766,831 | ¥2,766,831 |
| 10 | 1.20% | ¥433,527 | ¥52,023,252 | ¥3,023,252 |
| 10 | 1.30% | ¥435,671 | ¥52,280,488 | ¥3,280,488 |
| 10 | 1.40% | ¥437,821 | ¥52,538,538 | ¥3,538,538 |
| 10 | 1.50% | ¥439,978 | ¥52,797,402 | ¥3,797,402 |
| 10 | 1.60% | ¥442,142 | ¥53,057,079 | ¥4,057,079 |
| 10 | 1.70% | ¥444,313 | ¥53,317,568 | ¥4,317,568 |
| 10 | 1.80% | ¥446,491 | ¥53,578,870 | ¥4,578,870 |
| 10 | 1.90% | ¥448,675 | ¥53,840,985 | ¥4,840,985 |
| 10 | 2.00% | ¥450,866 | ¥54,103,911 | ¥5,103,911 |
| 10 | 2.10% | ¥453,064 | ¥54,367,648 | ¥5,367,648 |
| 10 | 2.20% | ¥455,268 | ¥54,632,197 | ¥5,632,197 |
| 10 | 2.30% | ¥457,480 | ¥54,897,555 | ¥5,897,555 |
| 10 | 2.40% | ¥459,698 | ¥55,163,724 | ¥6,163,724 |
| 10 | 2.50% | ¥461,923 | ¥55,430,702 | ¥6,430,702 |
| 10 | 2.60% | ¥464,154 | ¥55,698,489 | ¥6,698,489 |
| 10 | 2.70% | ¥466,392 | ¥55,967,085 | ¥6,967,085 |
| 10 | 2.80% | ¥468,637 | ¥56,236,489 | ¥7,236,489 |
| 10 | 2.90% | ¥470,889 | ¥56,506,700 | ¥7,506,700 |
| 10 | 3.00% | ¥473,148 | ¥56,777,718 | ¥7,777,718 |
