4970万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。4970万円の住宅ローンが、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。
4970万円の住宅ローン｜期間・年数別
4970万円｜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% |
¥98,197 |
¥58,918,169 |
¥9,218,169 |
| 50 |
0.80% |
¥100,529 |
¥60,317,252 |
¥10,617,252 |
| 50 |
0.90% |
¥102,894 |
¥61,736,694 |
¥12,036,694 |
| 50 |
1.00% |
¥105,294 |
¥63,176,408 |
¥13,476,408 |
| 50 |
1.10% |
¥107,727 |
¥64,636,293 |
¥14,936,293 |
| 50 |
1.20% |
¥110,194 |
¥66,116,244 |
¥16,416,244 |
| 50 |
1.30% |
¥112,694 |
¥67,616,143 |
¥17,916,143 |
| 50 |
1.40% |
¥115,226 |
¥69,135,866 |
¥19,435,866 |
| 50 |
1.50% |
¥117,792 |
¥70,675,276 |
¥20,975,276 |
| 50 |
1.60% |
¥120,390 |
¥72,234,232 |
¥22,534,232 |
| 50 |
1.70% |
¥123,021 |
¥73,812,583 |
¥24,112,583 |
| 50 |
1.80% |
¥125,684 |
¥75,410,168 |
¥25,710,168 |
| 50 |
1.90% |
¥128,378 |
¥77,026,820 |
¥27,326,820 |
| 50 |
2.00% |
¥131,104 |
¥78,662,366 |
¥28,962,366 |
| 50 |
2.10% |
¥133,861 |
¥80,316,622 |
¥30,616,622 |
| 50 |
2.20% |
¥136,649 |
¥81,989,400 |
¥32,289,400 |
| 50 |
2.30% |
¥139,468 |
¥83,680,505 |
¥33,980,505 |
| 50 |
2.40% |
¥142,316 |
¥85,389,734 |
¥35,689,734 |
| 50 |
2.50% |
¥145,195 |
¥87,116,879 |
¥37,416,879 |
| 50 |
2.60% |
¥148,103 |
¥88,861,727 |
¥39,161,727 |
| 50 |
2.70% |
¥151,040 |
¥90,624,059 |
¥40,924,059 |
| 50 |
2.80% |
¥154,006 |
¥92,403,650 |
¥42,703,650 |
| 50 |
2.90% |
¥157,000 |
¥94,200,271 |
¥44,500,271 |
| 50 |
3.00% |
¥160,023 |
¥96,013,690 |
¥46,313,690 |
4970万円｜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% |
¥107,319 |
¥57,952,404 |
¥8,252,404 |
| 45 |
0.80% |
¥109,626 |
¥59,197,991 |
¥9,497,991 |
| 45 |
0.90% |
¥111,963 |
¥60,460,120 |
¥10,760,120 |
| 45 |
1.00% |
¥114,331 |
¥61,738,730 |
¥12,038,730 |
| 45 |
1.10% |
¥116,729 |
¥63,033,758 |
¥13,333,758 |
| 45 |
1.20% |
¥119,158 |
¥64,345,132 |
¥14,645,132 |
| 45 |
1.30% |
¥121,616 |
¥65,672,775 |
¥15,972,775 |
| 45 |
1.40% |
¥124,105 |
¥67,016,602 |
¥17,316,602 |
| 45 |
1.50% |
¥126,623 |
¥68,376,525 |
¥18,676,525 |
| 45 |
1.60% |
¥129,171 |
¥69,752,448 |
¥20,052,448 |
| 45 |
1.70% |
¥131,749 |
¥71,144,270 |
¥21,444,270 |
| 45 |
1.80% |
¥134,355 |
¥72,551,885 |
¥22,851,885 |
| 45 |
1.90% |
¥136,991 |
¥73,975,180 |
¥24,275,180 |
| 45 |
2.00% |
¥139,656 |
¥75,414,039 |
¥25,714,039 |
| 45 |
2.10% |
¥142,349 |
¥76,868,339 |
¥27,168,339 |
| 45 |
2.20% |
¥145,070 |
¥78,337,953 |
¥28,637,953 |
| 45 |
2.30% |
¥147,820 |
¥79,822,749 |
¥30,122,749 |
| 45 |
2.40% |
¥150,597 |
¥81,322,590 |
¥31,622,590 |
| 45 |
2.50% |
¥153,402 |
¥82,837,336 |
¥33,137,336 |
| 45 |
2.60% |
¥156,235 |
¥84,366,840 |
¥34,666,840 |
| 45 |
2.70% |
¥159,094 |
¥85,910,955 |
¥36,210,955 |
| 45 |
2.80% |
¥161,981 |
¥87,469,525 |
¥37,769,525 |
| 45 |
2.90% |
¥164,893 |
¥89,042,396 |
¥39,342,396 |
| 45 |
3.00% |
¥167,832 |
¥90,629,406 |
¥40,929,406 |
4970万円｜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% |
¥118,743 |
¥56,996,683 |
¥7,296,683 |
| 40 |
0.80% |
¥121,025 |
¥58,091,809 |
¥8,391,809 |
| 40 |
0.90% |
¥123,333 |
¥59,200,039 |
¥9,500,039 |
| 40 |
1.00% |
¥125,669 |
¥60,321,338 |
¥10,621,338 |
| 40 |
1.10% |
¥128,033 |
¥61,455,663 |
¥11,755,663 |
| 40 |
1.20% |
¥130,423 |
¥62,602,970 |
¥12,902,970 |
| 40 |
1.30% |
¥132,840 |
¥63,763,210 |
¥14,063,210 |
| 40 |
1.40% |
¥135,284 |
¥64,936,329 |
¥15,236,329 |
| 40 |
1.50% |
¥137,755 |
¥66,122,271 |
¥16,422,271 |
| 40 |
1.60% |
¥140,252 |
¥67,320,976 |
¥17,620,976 |
| 40 |
1.70% |
¥142,776 |
¥68,532,380 |
¥18,832,380 |
| 40 |
1.80% |
¥145,326 |
¥69,756,413 |
¥20,056,413 |
| 40 |
1.90% |
¥147,902 |
¥70,993,007 |
¥21,293,007 |
| 40 |
2.00% |
¥150,504 |
¥72,242,084 |
¥22,542,084 |
| 40 |
2.10% |
¥153,132 |
¥73,503,569 |
¥23,803,569 |
| 40 |
2.20% |
¥155,786 |
¥74,777,378 |
¥25,077,378 |
| 40 |
2.30% |
¥158,465 |
¥76,063,428 |
¥26,363,428 |
| 40 |
2.40% |
¥161,170 |
¥77,361,630 |
¥27,661,630 |
| 40 |
2.50% |
¥163,900 |
¥78,671,894 |
¥28,971,894 |
| 40 |
2.60% |
¥166,654 |
¥79,994,126 |
¥30,294,126 |
| 40 |
2.70% |
¥169,434 |
¥81,328,230 |
¥31,628,230 |
| 40 |
2.80% |
¥172,238 |
¥82,674,106 |
¥32,974,106 |
| 40 |
2.90% |
¥175,066 |
¥84,031,652 |
¥34,331,652 |
| 40 |
3.00% |
¥177,918 |
¥85,400,764 |
¥35,700,764 |
4970万円｜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% |
¥133,455 |
¥56,051,027 |
¥6,351,027 |
| 35 |
0.80% |
¥135,711 |
¥56,998,740 |
¥7,298,740 |
| 35 |
0.90% |
¥137,992 |
¥57,956,511 |
¥8,256,511 |
| 35 |
1.00% |
¥140,296 |
¥58,924,317 |
¥9,224,317 |
| 35 |
1.10% |
¥142,624 |
¥59,902,134 |
¥10,202,134 |
| 35 |
1.20% |
¥144,976 |
¥60,889,935 |
¥11,189,935 |
| 35 |
1.30% |
¥147,352 |
¥61,887,691 |
¥12,187,691 |
| 35 |
1.40% |
¥149,751 |
¥62,895,371 |
¥13,195,371 |
| 35 |
1.50% |
¥152,174 |
¥63,912,940 |
¥14,212,940 |
| 35 |
1.60% |
¥154,620 |
¥64,940,363 |
¥15,240,363 |
| 35 |
1.70% |
¥157,090 |
¥65,977,601 |
¥16,277,601 |
| 35 |
1.80% |
¥159,582 |
¥67,024,613 |
¥17,324,613 |
| 35 |
1.90% |
¥162,098 |
¥68,081,358 |
¥18,381,358 |
| 35 |
2.00% |
¥164,638 |
¥69,147,791 |
¥19,447,791 |
| 35 |
2.10% |
¥167,200 |
¥70,223,863 |
¥20,523,863 |
| 35 |
2.20% |
¥169,785 |
¥71,309,528 |
¥21,609,528 |
| 35 |
2.30% |
¥172,392 |
¥72,404,733 |
¥22,704,733 |
| 35 |
2.40% |
¥175,022 |
¥73,509,425 |
¥23,809,425 |
| 35 |
2.50% |
¥177,675 |
¥74,623,551 |
¥24,923,551 |
| 35 |
2.60% |
¥180,350 |
¥75,747,053 |
¥26,047,053 |
| 35 |
2.70% |
¥183,047 |
¥76,879,873 |
¥27,179,873 |
| 35 |
2.80% |
¥185,767 |
¥78,021,951 |
¥28,321,951 |
| 35 |
2.90% |
¥188,508 |
¥79,173,224 |
¥29,473,224 |
| 35 |
3.00% |
¥191,271 |
¥80,333,629 |
¥30,633,629 |
4970万円｜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% |
¥153,098 |
¥55,115,455 |
¥5,415,455 |
| 30 |
0.80% |
¥155,330 |
¥55,918,817 |
¥6,218,817 |
| 30 |
0.90% |
¥157,582 |
¥56,729,584 |
¥7,029,584 |
| 30 |
1.00% |
¥159,855 |
¥57,547,743 |
¥7,847,743 |
| 30 |
1.10% |
¥162,148 |
¥58,373,281 |
¥8,673,281 |
| 30 |
1.20% |
¥164,462 |
¥59,206,184 |
¥9,506,184 |
| 30 |
1.30% |
¥166,796 |
¥60,046,434 |
¥10,346,434 |
| 30 |
1.40% |
¥169,150 |
¥60,894,015 |
¥11,194,015 |
| 30 |
1.50% |
¥171,525 |
¥61,748,908 |
¥12,048,908 |
| 30 |
1.60% |
¥173,920 |
¥62,611,093 |
¥12,911,093 |
| 30 |
1.70% |
¥176,335 |
¥63,480,550 |
¥13,780,550 |
| 30 |
1.80% |
¥178,770 |
¥64,357,255 |
¥14,657,255 |
| 30 |
1.90% |
¥181,226 |
¥65,241,185 |
¥15,541,185 |
| 30 |
2.00% |
¥183,701 |
¥66,132,316 |
¥16,432,316 |
| 30 |
2.10% |
¥186,196 |
¥67,030,622 |
¥17,330,622 |
| 30 |
2.20% |
¥188,711 |
¥67,936,075 |
¥18,236,075 |
| 30 |
2.30% |
¥191,246 |
¥68,848,647 |
¥19,148,647 |
| 30 |
2.40% |
¥193,801 |
¥69,768,309 |
¥20,068,309 |
| 30 |
2.50% |
¥196,375 |
¥70,695,031 |
¥20,995,031 |
| 30 |
2.60% |
¥198,969 |
¥71,628,781 |
¥21,928,781 |
| 30 |
2.70% |
¥201,582 |
¥72,569,527 |
¥22,869,527 |
| 30 |
2.80% |
¥204,215 |
¥73,517,234 |
¥23,817,234 |
| 30 |
2.90% |
¥206,866 |
¥74,471,868 |
¥24,771,868 |
| 30 |
3.00% |
¥209,537 |
¥75,433,394 |
¥25,733,394 |
4970万円｜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% |
¥180,633 |
¥54,189,981 |
¥4,489,981 |
| 25 |
0.80% |
¥182,840 |
¥54,852,066 |
¥5,152,066 |
| 25 |
0.90% |
¥185,064 |
¥55,519,302 |
¥5,819,302 |
| 25 |
1.00% |
¥187,306 |
¥56,191,683 |
¥6,491,683 |
| 25 |
1.10% |
¥189,564 |
¥56,869,202 |
¥7,169,202 |
| 25 |
1.20% |
¥191,840 |
¥57,551,853 |
¥7,851,853 |
| 25 |
1.30% |
¥194,132 |
¥58,239,626 |
¥8,539,626 |
| 25 |
1.40% |
¥196,442 |
¥58,932,513 |
¥9,232,513 |
| 25 |
1.50% |
¥198,768 |
¥59,630,506 |
¥9,930,506 |
| 25 |
1.60% |
¥201,112 |
¥60,333,594 |
¥10,633,594 |
| 25 |
1.70% |
¥203,473 |
¥61,041,767 |
¥11,341,767 |
| 25 |
1.80% |
¥205,850 |
¥61,755,014 |
¥12,055,014 |
| 25 |
1.90% |
¥208,244 |
¥62,473,323 |
¥12,773,323 |
| 25 |
2.00% |
¥210,656 |
¥63,196,682 |
¥13,496,682 |
| 25 |
2.10% |
¥213,084 |
¥63,925,078 |
¥14,225,078 |
| 25 |
2.20% |
¥215,528 |
¥64,658,497 |
¥14,958,497 |
| 25 |
2.30% |
¥217,990 |
¥65,396,927 |
¥15,696,927 |
| 25 |
2.40% |
¥220,468 |
¥66,140,351 |
¥16,440,351 |
| 25 |
2.50% |
¥222,963 |
¥66,888,755 |
¥17,188,755 |
| 25 |
2.60% |
¥225,474 |
¥67,642,124 |
¥17,942,124 |
| 25 |
2.70% |
¥228,001 |
¥68,400,440 |
¥18,700,440 |
| 25 |
2.80% |
¥230,546 |
¥69,163,688 |
¥19,463,688 |
| 25 |
2.90% |
¥233,106 |
¥69,931,849 |
¥20,231,849 |
| 25 |
3.00% |
¥235,683 |
¥70,704,907 |
¥21,004,907 |
4970万円｜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% |
¥221,978 |
¥53,274,621 |
¥3,574,621 |
| 20 |
0.80% |
¥224,160 |
¥53,798,511 |
¥4,098,511 |
| 20 |
0.90% |
¥226,357 |
¥54,325,703 |
¥4,625,703 |
| 20 |
1.00% |
¥228,567 |
¥54,856,193 |
¥5,156,193 |
| 20 |
1.10% |
¥230,792 |
¥55,389,979 |
¥5,689,979 |
| 20 |
1.20% |
¥233,029 |
¥55,927,058 |
¥6,227,058 |
| 20 |
1.30% |
¥235,281 |
¥56,467,427 |
¥6,767,427 |
| 20 |
1.40% |
¥237,546 |
¥57,011,081 |
¥7,311,081 |
| 20 |
1.50% |
¥239,825 |
¥57,558,016 |
¥7,858,016 |
| 20 |
1.60% |
¥242,118 |
¥58,108,230 |
¥8,408,230 |
| 20 |
1.70% |
¥244,424 |
¥58,661,716 |
¥8,961,716 |
| 20 |
1.80% |
¥246,744 |
¥59,218,470 |
¥9,518,470 |
| 20 |
1.90% |
¥249,077 |
¥59,778,488 |
¥10,078,488 |
| 20 |
2.00% |
¥251,424 |
¥60,341,764 |
¥10,641,764 |
| 20 |
2.10% |
¥253,785 |
¥60,908,293 |
¥11,208,293 |
| 20 |
2.20% |
¥256,159 |
¥61,478,069 |
¥11,778,069 |
| 20 |
2.30% |
¥258,546 |
¥62,051,085 |
¥12,351,085 |
| 20 |
2.40% |
¥260,947 |
¥62,627,337 |
¥12,927,337 |
| 20 |
2.50% |
¥263,362 |
¥63,206,817 |
¥13,506,817 |
| 20 |
2.60% |
¥265,790 |
¥63,789,519 |
¥14,089,519 |
| 20 |
2.70% |
¥268,231 |
¥64,375,435 |
¥14,675,435 |
| 20 |
2.80% |
¥270,686 |
¥64,964,560 |
¥15,264,560 |
| 20 |
2.90% |
¥273,154 |
¥65,556,884 |
¥15,856,884 |
| 20 |
3.00% |
¥275,635 |
¥66,152,401 |
¥16,452,401 |
4970万円｜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% |
¥290,941 |
¥52,369,385 |
¥2,669,385 |
| 15 |
0.80% |
¥293,101 |
¥52,758,171 |
¥3,058,171 |
| 15 |
0.90% |
¥295,271 |
¥53,148,816 |
¥3,448,816 |
| 15 |
1.00% |
¥297,452 |
¥53,541,319 |
¥3,841,319 |
| 15 |
1.10% |
¥299,643 |
¥53,935,680 |
¥4,235,680 |
| 15 |
1.20% |
¥301,844 |
¥54,331,897 |
¥4,631,897 |
| 15 |
1.30% |
¥304,055 |
¥54,729,968 |
¥5,029,968 |
| 15 |
1.40% |
¥306,277 |
¥55,129,893 |
¥5,429,893 |
| 15 |
1.50% |
¥308,509 |
¥55,531,671 |
¥5,831,671 |
| 15 |
1.60% |
¥310,752 |
¥55,935,299 |
¥6,235,299 |
| 15 |
1.70% |
¥313,004 |
¥56,340,776 |
¥6,640,776 |
| 15 |
1.80% |
¥315,267 |
¥56,748,102 |
¥7,048,102 |
| 15 |
1.90% |
¥317,540 |
¥57,157,273 |
¥7,457,273 |
| 15 |
2.00% |
¥319,824 |
¥57,568,288 |
¥7,868,288 |
| 15 |
2.10% |
¥322,117 |
¥57,981,146 |
¥8,281,146 |
| 15 |
2.20% |
¥324,421 |
¥58,395,845 |
¥8,695,845 |
| 15 |
2.30% |
¥326,735 |
¥58,812,382 |
¥9,112,382 |
| 15 |
2.40% |
¥329,060 |
¥59,230,755 |
¥9,530,755 |
| 15 |
2.50% |
¥331,394 |
¥59,650,963 |
¥9,950,963 |
| 15 |
2.60% |
¥333,739 |
¥60,073,002 |
¥10,373,002 |
| 15 |
2.70% |
¥336,094 |
¥60,496,872 |
¥10,796,872 |
| 15 |
2.80% |
¥338,459 |
¥60,922,568 |
¥11,222,568 |
| 15 |
2.90% |
¥340,834 |
¥61,350,090 |
¥11,650,090 |
| 15 |
3.00% |
¥343,219 |
¥61,779,434 |
¥12,079,434 |
4970万円｜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% |
¥428,952 |
¥51,474,281 |
¥1,774,281 |
| 10 |
0.80% |
¥431,092 |
¥51,731,060 |
¥2,031,060 |
| 10 |
0.90% |
¥433,239 |
¥51,988,666 |
¥2,288,666 |
| 10 |
1.00% |
¥435,392 |
¥52,247,098 |
¥2,547,098 |
| 10 |
1.10% |
¥437,553 |
¥52,506,357 |
¥2,806,357 |
| 10 |
1.20% |
¥439,720 |
¥52,766,442 |
¥3,066,442 |
| 10 |
1.30% |
¥441,895 |
¥53,027,353 |
¥3,327,353 |
| 10 |
1.40% |
¥444,076 |
¥53,289,089 |
¥3,589,089 |
| 10 |
1.50% |
¥446,264 |
¥53,551,650 |
¥3,851,650 |
| 10 |
1.60% |
¥448,459 |
¥53,815,037 |
¥4,115,037 |
| 10 |
1.70% |
¥450,660 |
¥54,079,248 |
¥4,379,248 |
| 10 |
1.80% |
¥452,869 |
¥54,344,283 |
¥4,644,283 |
| 10 |
1.90% |
¥455,085 |
¥54,610,142 |
¥4,910,142 |
| 10 |
2.00% |
¥457,307 |
¥54,876,824 |
¥5,176,824 |
| 10 |
2.10% |
¥459,536 |
¥55,144,329 |
¥5,444,329 |
| 10 |
2.20% |
¥461,772 |
¥55,412,656 |
¥5,712,656 |
| 10 |
2.30% |
¥464,015 |
¥55,681,806 |
¥5,981,806 |
| 10 |
2.40% |
¥466,265 |
¥55,951,777 |
¥6,251,777 |
| 10 |
2.50% |
¥468,521 |
¥56,222,569 |
¥6,522,569 |
| 10 |
2.60% |
¥470,785 |
¥56,494,182 |
¥6,794,182 |
| 10 |
2.70% |
¥473,055 |
¥56,766,615 |
¥7,066,615 |
| 10 |
2.80% |
¥475,332 |
¥57,039,867 |
¥7,339,867 |
| 10 |
2.90% |
¥477,616 |
¥57,313,938 |
¥7,613,938 |
| 10 |
3.00% |
¥479,907 |
¥57,588,828 |
¥7,888,828 |
