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 |
