4990万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。4990万円の住宅ローンが、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。
4990万円の住宅ローン｜期間・年数別
4990万円｜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% | ¥98,592 | ¥59,155,264 | ¥9,255,264 |
| 50 | 0.80% | ¥100,933 | ¥60,559,977 | ¥10,659,977 |
| 50 | 0.90% | ¥103,309 | ¥61,985,132 | ¥12,085,132 |
| 50 | 1.00% | ¥105,718 | ¥63,430,639 | ¥13,530,639 |
| 50 | 1.10% | ¥108,161 | ¥64,896,399 | ¥14,996,399 |
| 50 | 1.20% | ¥110,637 | ¥66,382,305 | ¥16,482,305 |
| 50 | 1.30% | ¥113,147 | ¥67,888,241 | ¥17,988,241 |
| 50 | 1.40% | ¥115,690 | ¥69,414,078 | ¥19,514,078 |
| 50 | 1.50% | ¥118,266 | ¥70,959,684 | ¥21,059,684 |
| 50 | 1.60% | ¥120,875 | ¥72,524,913 | ¥22,624,913 |
| 50 | 1.70% | ¥123,516 | ¥74,109,615 | ¥24,209,615 |
| 50 | 1.80% | ¥126,189 | ¥75,713,629 | ¥25,813,629 |
| 50 | 1.90% | ¥128,895 | ¥77,336,787 | ¥27,436,787 |
| 50 | 2.00% | ¥131,632 | ¥78,978,914 | ¥29,078,914 |
| 50 | 2.10% | ¥134,400 | ¥80,639,828 | ¥30,739,828 |
| 50 | 2.20% | ¥137,199 | ¥82,319,337 | ¥32,419,337 |
| 50 | 2.30% | ¥140,029 | ¥84,017,247 | ¥34,117,247 |
| 50 | 2.40% | ¥142,889 | ¥85,733,354 | ¥35,833,354 |
| 50 | 2.50% | ¥145,779 | ¥87,467,450 | ¥37,567,450 |
| 50 | 2.60% | ¥148,699 | ¥89,219,320 | ¥39,319,320 |
| 50 | 2.70% | ¥151,648 | ¥90,988,743 | ¥41,088,743 |
| 50 | 2.80% | ¥154,626 | ¥92,775,496 | ¥42,875,496 |
| 50 | 2.90% | ¥157,632 | ¥94,579,347 | ¥44,679,347 |
| 50 | 3.00% | ¥160,667 | ¥96,400,063 | ¥46,500,063 |
4990万円｜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% | ¥107,751 | ¥58,185,613 | ¥8,285,613 |
| 45 | 0.80% | ¥110,067 | ¥59,436,213 | ¥9,536,213 |
| 45 | 0.90% | ¥112,414 | ¥60,703,420 | ¥10,803,420 |
| 45 | 1.00% | ¥114,791 | ¥61,987,176 | ¥12,087,176 |
| 45 | 1.10% | ¥117,199 | ¥63,287,415 | ¥13,387,415 |
| 45 | 1.20% | ¥119,637 | ¥64,604,066 | ¥14,704,066 |
| 45 | 1.30% | ¥122,106 | ¥65,937,051 | ¥16,037,051 |
| 45 | 1.40% | ¥124,604 | ¥67,286,286 | ¥17,386,286 |
| 45 | 1.50% | ¥127,133 | ¥68,651,682 | ¥18,751,682 |
| 45 | 1.60% | ¥129,691 | ¥70,033,142 | ¥20,133,142 |
| 45 | 1.70% | ¥132,279 | ¥71,430,565 | ¥21,530,565 |
| 45 | 1.80% | ¥134,896 | ¥72,843,844 | ¥22,943,844 |
| 45 | 1.90% | ¥137,542 | ¥74,272,867 | ¥24,372,867 |
| 45 | 2.00% | ¥140,218 | ¥75,717,516 | ¥25,817,516 |
| 45 | 2.10% | ¥142,922 | ¥77,177,668 | ¥27,277,668 |
| 45 | 2.20% | ¥145,654 | ¥78,653,196 | ¥28,753,196 |
| 45 | 2.30% | ¥148,415 | ¥80,143,967 | ¥30,243,967 |
| 45 | 2.40% | ¥151,203 | ¥81,649,844 | ¥31,749,844 |
| 45 | 2.50% | ¥154,020 | ¥83,170,685 | ¥33,270,685 |
| 45 | 2.60% | ¥156,864 | ¥84,706,345 | ¥34,806,345 |
| 45 | 2.70% | ¥159,735 | ¥86,256,673 | ¥36,356,673 |
| 45 | 2.80% | ¥162,632 | ¥87,821,516 | ¥37,921,516 |
| 45 | 2.90% | ¥165,557 | ¥89,400,715 | ¥39,500,715 |
| 45 | 3.00% | ¥168,508 | ¥90,994,111 | ¥41,094,111 |
4990万円｜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% | ¥119,221 | ¥57,226,046 | ¥7,326,046 |
| 40 | 0.80% | ¥121,512 | ¥58,325,579 | ¥8,425,579 |
| 40 | 0.90% | ¥123,830 | ¥59,438,269 | ¥9,538,269 |
| 40 | 1.00% | ¥126,175 | ¥60,564,080 | ¥10,664,080 |
| 40 | 1.10% | ¥128,548 | ¥61,702,970 | ¥11,802,970 |
| 40 | 1.20% | ¥130,948 | ¥62,854,894 | ¥12,954,894 |
| 40 | 1.30% | ¥133,375 | ¥64,019,802 | ¥14,119,802 |
| 40 | 1.40% | ¥135,828 | ¥65,197,642 | ¥15,297,642 |
| 40 | 1.50% | ¥138,309 | ¥66,388,357 | ¥16,488,357 |
| 40 | 1.60% | ¥140,816 | ¥67,591,886 | ¥17,691,886 |
| 40 | 1.70% | ¥143,350 | ¥68,808,164 | ¥18,908,164 |
| 40 | 1.80% | ¥145,911 | ¥70,037,123 | ¥20,137,123 |
| 40 | 1.90% | ¥148,497 | ¥71,278,693 | ¥21,378,693 |
| 40 | 2.00% | ¥151,110 | ¥72,532,797 | ¥22,632,797 |
| 40 | 2.10% | ¥153,749 | ¥73,799,358 | ¥23,899,358 |
| 40 | 2.20% | ¥156,413 | ¥75,078,293 | ¥25,178,293 |
| 40 | 2.30% | ¥159,103 | ¥76,369,518 | ¥26,469,518 |
| 40 | 2.40% | ¥161,819 | ¥77,672,944 | ¥27,772,944 |
| 40 | 2.50% | ¥164,559 | ¥78,988,481 | ¥29,088,481 |
| 40 | 2.60% | ¥167,325 | ¥80,316,034 | ¥30,416,034 |
| 40 | 2.70% | ¥170,116 | ¥81,655,506 | ¥31,755,506 |
| 40 | 2.80% | ¥172,931 | ¥83,006,798 | ¥33,106,798 |
| 40 | 2.90% | ¥175,770 | ¥84,369,807 | ¥34,469,807 |
| 40 | 3.00% | ¥178,634 | ¥85,744,429 | ¥35,844,429 |
4990万円｜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% | ¥133,992 | ¥56,276,585 | ¥6,376,585 |
| 35 | 0.80% | ¥136,257 | ¥57,228,111 | ¥7,328,111 |
| 35 | 0.90% | ¥138,547 | ¥58,189,736 | ¥8,289,736 |
| 35 | 1.00% | ¥140,861 | ¥59,161,437 | ¥9,261,437 |
| 35 | 1.10% | ¥143,198 | ¥60,143,189 | ¥10,243,189 |
| 35 | 1.20% | ¥145,559 | ¥61,134,965 | ¥11,234,965 |
| 35 | 1.30% | ¥147,945 | ¥62,136,736 | ¥12,236,736 |
| 35 | 1.40% | ¥150,354 | ¥63,148,471 | ¥13,248,471 |
| 35 | 1.50% | ¥152,786 | ¥64,170,135 | ¥14,270,135 |
| 35 | 1.60% | ¥155,242 | ¥65,201,692 | ¥15,301,692 |
| 35 | 1.70% | ¥157,722 | ¥66,243,104 | ¥16,343,104 |
| 35 | 1.80% | ¥160,225 | ¥67,294,330 | ¥17,394,330 |
| 35 | 1.90% | ¥162,751 | ¥68,355,328 | ¥18,455,328 |
| 35 | 2.00% | ¥165,300 | ¥69,426,051 | ¥19,526,051 |
| 35 | 2.10% | ¥167,873 | ¥70,506,454 | ¥20,606,454 |
| 35 | 2.20% | ¥170,468 | ¥71,596,487 | ¥21,696,487 |
| 35 | 2.30% | ¥173,086 | ¥72,696,100 | ¥22,796,100 |
| 35 | 2.40% | ¥175,727 | ¥73,805,238 | ¥23,905,238 |
| 35 | 2.50% | ¥178,390 | ¥74,923,847 | ¥25,023,847 |
| 35 | 2.60% | ¥181,076 | ¥76,051,871 | ¥26,151,871 |
| 35 | 2.70% | ¥183,784 | ¥77,189,249 | ¥27,289,249 |
| 35 | 2.80% | ¥186,514 | ¥78,335,923 | ¥28,435,923 |
| 35 | 2.90% | ¥189,266 | ¥79,491,828 | ¥29,591,828 |
| 35 | 3.00% | ¥192,040 | ¥80,656,903 | ¥30,756,903 |
4990万円｜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% | ¥153,715 | ¥55,337,247 | ¥5,437,247 |
| 30 | 0.80% | ¥155,955 | ¥56,143,842 | ¥6,243,842 |
| 30 | 0.90% | ¥158,216 | ¥56,957,872 | ¥7,057,872 |
| 30 | 1.00% | ¥160,498 | ¥57,779,323 | ¥7,879,323 |
| 30 | 1.10% | ¥162,801 | ¥58,608,184 | ¥8,708,184 |
| 30 | 1.20% | ¥165,123 | ¥59,444,438 | ¥9,544,438 |
| 30 | 1.30% | ¥167,467 | ¥60,288,069 | ¥10,388,069 |
| 30 | 1.40% | ¥169,831 | ¥61,139,061 | ¥11,239,061 |
| 30 | 1.50% | ¥172,215 | ¥61,997,395 | ¥12,097,395 |
| 30 | 1.60% | ¥174,620 | ¥62,863,049 | ¥12,963,049 |
| 30 | 1.70% | ¥177,044 | ¥63,736,005 | ¥13,836,005 |
| 30 | 1.80% | ¥179,490 | ¥64,616,238 | ¥14,716,238 |
| 30 | 1.90% | ¥181,955 | ¥65,503,725 | ¥15,603,725 |
| 30 | 2.00% | ¥184,440 | ¥66,398,442 | ¥16,498,442 |
| 30 | 2.10% | ¥186,945 | ¥67,300,362 | ¥17,400,362 |
| 30 | 2.20% | ¥189,471 | ¥68,209,459 | ¥18,309,459 |
| 30 | 2.30% | ¥192,016 | ¥69,125,704 | ¥19,225,704 |
| 30 | 2.40% | ¥194,581 | ¥70,049,067 | ¥20,149,067 |
| 30 | 2.50% | ¥197,165 | ¥70,979,518 | ¥21,079,518 |
| 30 | 2.60% | ¥199,770 | ¥71,917,026 | ¥22,017,026 |
| 30 | 2.70% | ¥202,393 | ¥72,861,557 | ¥22,961,557 |
| 30 | 2.80% | ¥205,036 | ¥73,813,078 | ¥23,913,078 |
| 30 | 2.90% | ¥207,699 | ¥74,771,554 | ¥24,871,554 |
| 30 | 3.00% | ¥210,380 | ¥75,736,949 | ¥25,836,949 |
4990万円｜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% | ¥181,360 | ¥54,408,050 | ¥4,508,050 |
| 25 | 0.80% | ¥183,576 | ¥55,072,799 | ¥5,172,799 |
| 25 | 0.90% | ¥185,809 | ¥55,742,720 | ¥5,842,720 |
| 25 | 1.00% | ¥188,059 | ¥56,417,806 | ¥6,517,806 |
| 25 | 1.10% | ¥190,327 | ¥57,098,052 | ¥7,198,052 |
| 25 | 1.20% | ¥192,611 | ¥57,783,450 | ¥7,883,450 |
| 25 | 1.30% | ¥194,913 | ¥58,473,990 | ¥8,573,990 |
| 25 | 1.40% | ¥197,232 | ¥59,169,666 | ¥9,269,666 |
| 25 | 1.50% | ¥199,568 | ¥59,870,468 | ¥9,970,468 |
| 25 | 1.60% | ¥201,921 | ¥60,576,385 | ¥10,676,385 |
| 25 | 1.70% | ¥204,291 | ¥61,287,408 | ¥11,387,408 |
| 25 | 1.80% | ¥206,678 | ¥62,003,525 | ¥12,103,525 |
| 25 | 1.90% | ¥209,082 | ¥62,724,725 | ¥12,824,725 |
| 25 | 2.00% | ¥211,503 | ¥63,450,994 | ¥13,550,994 |
| 25 | 2.10% | ¥213,941 | ¥64,182,322 | ¥14,282,322 |
| 25 | 2.20% | ¥216,396 | ¥64,918,693 | ¥15,018,693 |
| 25 | 2.30% | ¥218,867 | ¥65,660,093 | ¥15,760,093 |
| 25 | 2.40% | ¥221,355 | ¥66,406,509 | ¥16,506,509 |
| 25 | 2.50% | ¥223,860 | ¥67,157,925 | ¥17,257,925 |
| 25 | 2.60% | ¥226,381 | ¥67,914,325 | ¥18,014,325 |
| 25 | 2.70% | ¥228,919 | ¥68,675,693 | ¥18,775,693 |
| 25 | 2.80% | ¥231,473 | ¥69,442,012 | ¥19,542,012 |
| 25 | 2.90% | ¥234,044 | ¥70,213,265 | ¥20,313,265 |
| 25 | 3.00% | ¥236,631 | ¥70,989,434 | ¥21,089,434 |
4990万円｜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% | ¥222,871 | ¥53,489,006 | ¥3,589,006 |
| 20 | 0.80% | ¥225,063 | ¥54,015,004 | ¥4,115,004 |
| 20 | 0.90% | ¥227,268 | ¥54,544,317 | ¥4,644,317 |
| 20 | 1.00% | ¥229,487 | ¥55,076,942 | ¥5,176,942 |
| 20 | 1.10% | ¥231,720 | ¥55,612,877 | ¥5,712,877 |
| 20 | 1.20% | ¥233,967 | ¥56,152,117 | ¥6,252,117 |
| 20 | 1.30% | ¥236,228 | ¥56,694,660 | ¥6,794,660 |
| 20 | 1.40% | ¥238,502 | ¥57,240,502 | ¥7,340,502 |
| 20 | 1.50% | ¥240,790 | ¥57,789,638 | ¥7,889,638 |
| 20 | 1.60% | ¥243,092 | ¥58,342,065 | ¥8,442,065 |
| 20 | 1.70% | ¥245,407 | ¥58,897,779 | ¥8,997,779 |
| 20 | 1.80% | ¥247,737 | ¥59,456,774 | ¥9,556,774 |
| 20 | 1.90% | ¥250,079 | ¥60,019,045 | ¥10,119,045 |
| 20 | 2.00% | ¥252,436 | ¥60,584,588 | ¥10,684,588 |
| 20 | 2.10% | ¥254,806 | ¥61,153,397 | ¥11,253,397 |
| 20 | 2.20% | ¥257,189 | ¥61,725,465 | ¥11,825,465 |
| 20 | 2.30% | ¥259,587 | ¥62,300,788 | ¥12,400,788 |
| 20 | 2.40% | ¥261,997 | ¥62,879,359 | ¥12,979,359 |
| 20 | 2.50% | ¥264,422 | ¥63,461,170 | ¥13,561,170 |
| 20 | 2.60% | ¥266,859 | ¥64,046,217 | ¥14,146,217 |
| 20 | 2.70% | ¥269,310 | ¥64,634,492 | ¥14,734,492 |
| 20 | 2.80% | ¥271,775 | ¥65,225,986 | ¥15,325,986 |
| 20 | 2.90% | ¥274,253 | ¥65,820,695 | ¥15,920,695 |
| 20 | 3.00% | ¥276,744 | ¥66,418,608 | ¥16,518,608 |
4990万円｜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% | ¥292,112 | ¥52,580,127 | ¥2,680,127 |
| 15 | 0.80% | ¥294,280 | ¥52,970,477 | ¥3,070,477 |
| 15 | 0.90% | ¥296,459 | ¥53,362,694 | ¥3,462,694 |
| 15 | 1.00% | ¥298,649 | ¥53,756,777 | ¥3,856,777 |
| 15 | 1.10% | ¥300,848 | ¥54,152,725 | ¥4,252,725 |
| 15 | 1.20% | ¥303,059 | ¥54,550,536 | ¥4,650,536 |
| 15 | 1.30% | ¥305,279 | ¥54,950,209 | ¥5,050,209 |
| 15 | 1.40% | ¥307,510 | ¥55,351,744 | ¥5,451,744 |
| 15 | 1.50% | ¥309,751 | ¥55,755,138 | ¥5,855,138 |
| 15 | 1.60% | ¥312,002 | ¥56,160,391 | ¥6,260,391 |
| 15 | 1.70% | ¥314,264 | ¥56,567,500 | ¥6,667,500 |
| 15 | 1.80% | ¥316,536 | ¥56,976,464 | ¥7,076,464 |
| 15 | 1.90% | ¥318,818 | ¥57,387,282 | ¥7,487,282 |
| 15 | 2.00% | ¥321,111 | ¥57,799,951 | ¥7,899,951 |
| 15 | 2.10% | ¥323,414 | ¥58,214,471 | ¥8,314,471 |
| 15 | 2.20% | ¥325,727 | ¥58,630,838 | ¥8,730,838 |
| 15 | 2.30% | ¥328,050 | ¥59,049,051 | ¥9,149,051 |
| 15 | 2.40% | ¥330,384 | ¥59,469,108 | ¥9,569,108 |
| 15 | 2.50% | ¥332,728 | ¥59,891,007 | ¥9,991,007 |
| 15 | 2.60% | ¥335,082 | ¥60,314,745 | ¥10,414,745 |
| 15 | 2.70% | ¥337,446 | ¥60,740,320 | ¥10,840,320 |
| 15 | 2.80% | ¥339,821 | ¥61,167,730 | ¥11,267,730 |
| 15 | 2.90% | ¥342,205 | ¥61,596,971 | ¥11,696,971 |
| 15 | 3.00% | ¥344,600 | ¥62,028,043 | ¥12,128,043 |
4990万円｜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% | ¥430,679 | ¥51,681,421 | ¥1,781,421 |
| 10 | 0.80% | ¥432,827 | ¥51,939,233 | ¥2,039,233 |
| 10 | 0.90% | ¥434,982 | ¥52,197,875 | ¥2,297,875 |
| 10 | 1.00% | ¥437,145 | ¥52,457,348 | ¥2,557,348 |
| 10 | 1.10% | ¥439,314 | ¥52,717,650 | ¥2,817,650 |
| 10 | 1.20% | ¥441,490 | ¥52,978,782 | ¥3,078,782 |
| 10 | 1.30% | ¥443,673 | ¥53,240,742 | ¥3,340,742 |
| 10 | 1.40% | ¥445,863 | ¥53,503,532 | ¥3,603,532 |
| 10 | 1.50% | ¥448,060 | ¥53,767,150 | ¥3,867,150 |
| 10 | 1.60% | ¥450,263 | ¥54,031,596 | ¥4,131,596 |
| 10 | 1.70% | ¥452,474 | ¥54,296,871 | ¥4,396,871 |
| 10 | 1.80% | ¥454,691 | ¥54,562,972 | ¥4,662,972 |
| 10 | 1.90% | ¥456,916 | ¥54,829,901 | ¥4,929,901 |
| 10 | 2.00% | ¥459,147 | ¥55,097,656 | ¥5,197,656 |
| 10 | 2.10% | ¥461,385 | ¥55,366,238 | ¥5,466,238 |
| 10 | 2.20% | ¥463,630 | ¥55,635,645 | ¥5,735,645 |
| 10 | 2.30% | ¥465,882 | ¥55,905,878 | ¥6,005,878 |
| 10 | 2.40% | ¥468,141 | ¥56,176,935 | ¥6,276,935 |
| 10 | 2.50% | ¥470,407 | ¥56,448,817 | ¥6,548,817 |
| 10 | 2.60% | ¥472,679 | ¥56,721,523 | ¥6,821,523 |
| 10 | 2.70% | ¥474,959 | ¥56,995,052 | ¥7,095,052 |
| 10 | 2.80% | ¥477,245 | ¥57,269,404 | ¥7,369,404 |
| 10 | 2.90% | ¥479,538 | ¥57,544,578 | ¥7,644,578 |
| 10 | 3.00% | ¥481,838 | ¥57,820,574 | ¥7,920,574 |
