1040万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。1040万円の住宅ローンが、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。
1040万円の住宅ローン｜期間・年数別
1040万円｜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% | ¥20,548 | ¥12,328,953 | ¥1,928,953 |
| 50 | 0.80% | ¥21,036 | ¥12,621,719 | ¥2,221,719 |
| 50 | 0.90% | ¥21,531 | ¥12,918,745 | ¥2,518,745 |
| 50 | 1.00% | ¥22,033 | ¥13,220,013 | ¥2,820,013 |
| 50 | 1.10% | ¥22,543 | ¥13,525,502 | ¥3,125,502 |
| 50 | 1.20% | ¥23,059 | ¥13,835,190 | ¥3,435,190 |
| 50 | 1.30% | ¥23,582 | ¥14,149,052 | ¥3,749,052 |
| 50 | 1.40% | ¥24,112 | ¥14,467,062 | ¥4,067,062 |
| 50 | 1.50% | ¥24,649 | ¥14,789,193 | ¥4,389,193 |
| 50 | 1.60% | ¥25,192 | ¥15,115,413 | ¥4,715,413 |
| 50 | 1.70% | ¥25,743 | ¥15,445,691 | ¥5,045,691 |
| 50 | 1.80% | ¥26,300 | ¥15,779,995 | ¥5,379,995 |
| 50 | 1.90% | ¥26,864 | ¥16,118,288 | ¥5,718,288 |
| 50 | 2.00% | ¥27,434 | ¥16,460,535 | ¥6,060,535 |
| 50 | 2.10% | ¥28,011 | ¥16,806,698 | ¥6,406,698 |
| 50 | 2.20% | ¥28,595 | ¥17,156,736 | ¥6,756,736 |
| 50 | 2.30% | ¥29,184 | ¥17,510,609 | ¥7,110,609 |
| 50 | 2.40% | ¥29,780 | ¥17,868,274 | ¥7,468,274 |
| 50 | 2.50% | ¥30,383 | ¥18,229,689 | ¥7,829,689 |
| 50 | 2.60% | ¥30,991 | ¥18,594,808 | ¥8,194,808 |
| 50 | 2.70% | ¥31,606 | ¥18,963,586 | ¥8,563,586 |
| 50 | 2.80% | ¥32,227 | ¥19,335,975 | ¥8,935,975 |
| 50 | 2.90% | ¥32,853 | ¥19,711,928 | ¥9,311,928 |
| 50 | 3.00% | ¥33,486 | ¥20,091,396 | ¥9,691,396 |
1040万円｜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% | ¥22,457 | ¥12,126,861 | ¥1,726,861 |
| 45 | 0.80% | ¥22,940 | ¥12,387,507 | ¥1,987,507 |
| 45 | 0.90% | ¥23,429 | ¥12,651,615 | ¥2,251,615 |
| 45 | 1.00% | ¥23,924 | ¥12,919,171 | ¥2,519,171 |
| 45 | 1.10% | ¥24,426 | ¥13,190,163 | ¥2,790,163 |
| 45 | 1.20% | ¥24,934 | ¥13,464,575 | ¥3,064,575 |
| 45 | 1.30% | ¥25,449 | ¥13,742,391 | ¥3,342,391 |
| 45 | 1.40% | ¥25,970 | ¥14,023,595 | ¥3,623,595 |
| 45 | 1.50% | ¥26,497 | ¥14,308,166 | ¥3,908,166 |
| 45 | 1.60% | ¥27,030 | ¥14,596,086 | ¥4,196,086 |
| 45 | 1.70% | ¥27,569 | ¥14,887,332 | ¥4,487,332 |
| 45 | 1.80% | ¥28,115 | ¥15,181,883 | ¥4,781,883 |
| 45 | 1.90% | ¥28,666 | ¥15,479,716 | ¥5,079,716 |
| 45 | 2.00% | ¥29,224 | ¥15,780,805 | ¥5,380,805 |
| 45 | 2.10% | ¥29,787 | ¥16,085,125 | ¥5,685,125 |
| 45 | 2.20% | ¥30,357 | ¥16,392,650 | ¥5,992,650 |
| 45 | 2.30% | ¥30,932 | ¥16,703,352 | ¥6,303,352 |
| 45 | 2.40% | ¥31,513 | ¥17,017,202 | ¥6,617,202 |
| 45 | 2.50% | ¥32,100 | ¥17,334,171 | ¥6,934,171 |
| 45 | 2.60% | ¥32,693 | ¥17,654,228 | ¥7,254,228 |
| 45 | 2.70% | ¥33,291 | ¥17,977,343 | ¥7,577,343 |
| 45 | 2.80% | ¥33,895 | ¥18,303,482 | ¥7,903,482 |
| 45 | 2.90% | ¥34,505 | ¥18,632,614 | ¥8,232,614 |
| 45 | 3.00% | ¥35,120 | ¥18,964,705 | ¥8,564,705 |
1040万円｜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% | ¥24,848 | ¥11,926,871 | ¥1,526,871 |
| 40 | 0.80% | ¥25,325 | ¥12,156,032 | ¥1,756,032 |
| 40 | 0.90% | ¥25,808 | ¥12,387,936 | ¥1,987,936 |
| 40 | 1.00% | ¥26,297 | ¥12,622,574 | ¥2,222,574 |
| 40 | 1.10% | ¥26,792 | ¥12,859,938 | ¥2,459,938 |
| 40 | 1.20% | ¥27,292 | ¥13,100,018 | ¥2,700,018 |
| 40 | 1.30% | ¥27,798 | ¥13,342,804 | ¥2,942,804 |
| 40 | 1.40% | ¥28,309 | ¥13,588,286 | ¥3,188,286 |
| 40 | 1.50% | ¥28,826 | ¥13,836,451 | ¥3,436,451 |
| 40 | 1.60% | ¥29,349 | ¥14,087,287 | ¥3,687,287 |
| 40 | 1.70% | ¥29,877 | ¥14,340,780 | ¥3,940,780 |
| 40 | 1.80% | ¥30,410 | ¥14,596,915 | ¥4,196,915 |
| 40 | 1.90% | ¥30,949 | ¥14,855,679 | ¥4,455,679 |
| 40 | 2.00% | ¥31,494 | ¥15,117,056 | ¥4,717,056 |
| 40 | 2.10% | ¥32,044 | ¥15,381,028 | ¥4,981,028 |
| 40 | 2.20% | ¥32,599 | ¥15,647,580 | ¥5,247,580 |
| 40 | 2.30% | ¥33,160 | ¥15,916,693 | ¥5,516,693 |
| 40 | 2.40% | ¥33,726 | ¥16,188,349 | ¥5,788,349 |
| 40 | 2.50% | ¥34,297 | ¥16,462,529 | ¥6,062,529 |
| 40 | 2.60% | ¥34,873 | ¥16,739,214 | ¥6,339,214 |
| 40 | 2.70% | ¥35,455 | ¥17,018,382 | ¥6,618,382 |
| 40 | 2.80% | ¥36,042 | ¥17,300,014 | ¥6,900,014 |
| 40 | 2.90% | ¥36,634 | ¥17,584,088 | ¥7,184,088 |
| 40 | 3.00% | ¥37,230 | ¥17,870,582 | ¥7,470,582 |
1040万円｜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% | ¥27,926 | ¥11,728,988 | ¥1,328,988 |
| 35 | 0.80% | ¥28,398 | ¥11,927,302 | ¥1,527,302 |
| 35 | 0.90% | ¥28,876 | ¥12,127,721 | ¥1,727,721 |
| 35 | 1.00% | ¥29,358 | ¥12,330,239 | ¥1,930,239 |
| 35 | 1.10% | ¥29,845 | ¥12,534,853 | ¥2,134,853 |
| 35 | 1.20% | ¥30,337 | ¥12,741,556 | ¥2,341,556 |
| 35 | 1.30% | ¥30,834 | ¥12,950,342 | ¥2,550,342 |
| 35 | 1.40% | ¥31,336 | ¥13,161,204 | ¥2,761,204 |
| 35 | 1.50% | ¥31,843 | ¥13,374,136 | ¥2,974,136 |
| 35 | 1.60% | ¥32,355 | ¥13,589,130 | ¥3,189,130 |
| 35 | 1.70% | ¥32,872 | ¥13,806,178 | ¥3,406,178 |
| 35 | 1.80% | ¥33,394 | ¥14,025,271 | ¥3,625,271 |
| 35 | 1.90% | ¥33,920 | ¥14,246,401 | ¥3,846,401 |
| 35 | 2.00% | ¥34,451 | ¥14,469,558 | ¥4,069,558 |
| 35 | 2.10% | ¥34,987 | ¥14,694,732 | ¥4,294,732 |
| 35 | 2.20% | ¥35,528 | ¥14,921,913 | ¥4,521,913 |
| 35 | 2.30% | ¥36,074 | ¥15,151,091 | ¥4,751,091 |
| 35 | 2.40% | ¥36,624 | ¥15,382,254 | ¥4,982,254 |
| 35 | 2.50% | ¥37,180 | ¥15,615,391 | ¥5,215,391 |
| 35 | 2.60% | ¥37,739 | ¥15,850,490 | ¥5,450,490 |
| 35 | 2.70% | ¥38,304 | ¥16,087,539 | ¥5,687,539 |
| 35 | 2.80% | ¥38,873 | ¥16,326,525 | ¥5,926,525 |
| 35 | 2.90% | ¥39,446 | ¥16,567,435 | ¥6,167,435 |
| 35 | 3.00% | ¥40,024 | ¥16,810,256 | ¥6,410,256 |
1040万円｜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% | ¥32,037 | ¥11,533,214 | ¥1,133,214 |
| 30 | 0.80% | ¥32,504 | ¥11,701,322 | ¥1,301,322 |
| 30 | 0.90% | ¥32,975 | ¥11,870,979 | ¥1,470,979 |
| 30 | 1.00% | ¥33,451 | ¥12,042,184 | ¥1,642,184 |
| 30 | 1.10% | ¥33,930 | ¥12,214,932 | ¥1,814,932 |
| 30 | 1.20% | ¥34,415 | ¥12,389,222 | ¥1,989,222 |
| 30 | 1.30% | ¥34,903 | ¥12,565,049 | ¥2,165,049 |
| 30 | 1.40% | ¥35,396 | ¥12,742,410 | ¥2,342,410 |
| 30 | 1.50% | ¥35,893 | ¥12,921,301 | ¥2,521,301 |
| 30 | 1.60% | ¥36,394 | ¥13,101,718 | ¥2,701,718 |
| 30 | 1.70% | ¥36,899 | ¥13,283,656 | ¥2,883,656 |
| 30 | 1.80% | ¥37,409 | ¥13,467,112 | ¥3,067,112 |
| 30 | 1.90% | ¥37,922 | ¥13,652,079 | ¥3,252,079 |
| 30 | 2.00% | ¥38,440 | ¥13,838,553 | ¥3,438,553 |
| 30 | 2.10% | ¥38,963 | ¥14,026,528 | ¥3,626,528 |
| 30 | 2.20% | ¥39,489 | ¥14,216,000 | ¥3,816,000 |
| 30 | 2.30% | ¥40,019 | ¥14,406,960 | ¥4,006,960 |
| 30 | 2.40% | ¥40,554 | ¥14,599,405 | ¥4,199,405 |
| 30 | 2.50% | ¥41,093 | ¥14,793,326 | ¥4,393,326 |
| 30 | 2.60% | ¥41,635 | ¥14,988,719 | ¥4,588,719 |
| 30 | 2.70% | ¥42,182 | ¥15,185,575 | ¥4,785,575 |
| 30 | 2.80% | ¥42,733 | ¥15,383,888 | ¥4,983,888 |
| 30 | 2.90% | ¥43,288 | ¥15,583,650 | ¥5,183,650 |
| 30 | 3.00% | ¥43,847 | ¥15,784,855 | ¥5,384,855 |
1040万円｜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% | ¥37,799 | ¥11,339,553 | ¥939,553 |
| 25 | 0.80% | ¥38,260 | ¥11,478,098 | ¥1,078,098 |
| 25 | 0.90% | ¥38,726 | ¥11,617,721 | ¥1,217,721 |
| 25 | 1.00% | ¥39,195 | ¥11,758,421 | ¥1,358,421 |
| 25 | 1.10% | ¥39,667 | ¥11,900,195 | ¥1,500,195 |
| 25 | 1.20% | ¥40,143 | ¥12,043,044 | ¥1,643,044 |
| 25 | 1.30% | ¥40,623 | ¥12,186,964 | ¥1,786,964 |
| 25 | 1.40% | ¥41,107 | ¥12,331,955 | ¥1,931,955 |
| 25 | 1.50% | ¥41,593 | ¥12,478,013 | ¥2,078,013 |
| 25 | 1.60% | ¥42,084 | ¥12,625,138 | ¥2,225,138 |
| 25 | 1.70% | ¥42,578 | ¥12,773,328 | ¥2,373,328 |
| 25 | 1.80% | ¥43,075 | ¥12,922,578 | ¥2,522,578 |
| 25 | 1.90% | ¥43,576 | ¥13,072,889 | ¥2,672,889 |
| 25 | 2.00% | ¥44,081 | ¥13,224,255 | ¥2,824,255 |
| 25 | 2.10% | ¥44,589 | ¥13,376,676 | ¥2,976,676 |
| 25 | 2.20% | ¥45,100 | ¥13,530,148 | ¥3,130,148 |
| 25 | 2.30% | ¥45,616 | ¥13,684,669 | ¥3,284,669 |
| 25 | 2.40% | ¥46,134 | ¥13,840,234 | ¥3,440,234 |
| 25 | 2.50% | ¥46,656 | ¥13,996,842 | ¥3,596,842 |
| 25 | 2.60% | ¥47,182 | ¥14,154,489 | ¥3,754,489 |
| 25 | 2.70% | ¥47,711 | ¥14,313,171 | ¥3,913,171 |
| 25 | 2.80% | ¥48,243 | ¥14,472,884 | ¥4,072,884 |
| 25 | 2.90% | ¥48,779 | ¥14,633,626 | ¥4,233,626 |
| 25 | 3.00% | ¥49,318 | ¥14,795,393 | ¥4,395,393 |
1040万円｜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% | ¥46,450 | ¥11,148,009 | ¥748,009 |
| 20 | 0.80% | ¥46,907 | ¥11,257,636 | ¥857,636 |
| 20 | 0.90% | ¥47,366 | ¥11,367,954 | ¥967,954 |
| 20 | 1.00% | ¥47,829 | ¥11,478,962 | ¥1,078,962 |
| 20 | 1.10% | ¥48,294 | ¥11,590,660 | ¥1,190,660 |
| 20 | 1.20% | ¥48,763 | ¥11,703,046 | ¥1,303,046 |
| 20 | 1.30% | ¥49,234 | ¥11,816,121 | ¥1,416,121 |
| 20 | 1.40% | ¥49,708 | ¥11,929,884 | ¥1,529,884 |
| 20 | 1.50% | ¥50,185 | ¥12,044,333 | ¥1,644,333 |
| 20 | 1.60% | ¥50,664 | ¥12,159,469 | ¥1,759,469 |
| 20 | 1.70% | ¥51,147 | ¥12,275,289 | ¥1,875,289 |
| 20 | 1.80% | ¥51,632 | ¥12,391,793 | ¥1,991,793 |
| 20 | 1.90% | ¥52,121 | ¥12,508,979 | ¥2,108,979 |
| 20 | 2.00% | ¥52,612 | ¥12,626,848 | ¥2,226,848 |
| 20 | 2.10% | ¥53,106 | ¥12,745,397 | ¥2,345,397 |
| 20 | 2.20% | ¥53,603 | ¥12,864,626 | ¥2,464,626 |
| 20 | 2.30% | ¥54,102 | ¥12,984,533 | ¥2,584,533 |
| 20 | 2.40% | ¥54,605 | ¥13,105,117 | ¥2,705,117 |
| 20 | 2.50% | ¥55,110 | ¥13,226,376 | ¥2,826,376 |
| 20 | 2.60% | ¥55,618 | ¥13,348,310 | ¥2,948,310 |
| 20 | 2.70% | ¥56,129 | ¥13,470,916 | ¥3,070,916 |
| 20 | 2.80% | ¥56,642 | ¥13,594,194 | ¥3,194,194 |
| 20 | 2.90% | ¥57,159 | ¥13,718,141 | ¥3,318,141 |
| 20 | 3.00% | ¥57,678 | ¥13,842,756 | ¥3,442,756 |
1040万円｜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% | ¥60,881 | ¥10,958,583 | ¥558,583 |
| 15 | 0.80% | ¥61,333 | ¥11,039,939 | ¥639,939 |
| 15 | 0.90% | ¥61,787 | ¥11,121,684 | ¥721,684 |
| 15 | 1.00% | ¥62,243 | ¥11,203,817 | ¥803,817 |
| 15 | 1.10% | ¥62,702 | ¥11,286,339 | ¥886,339 |
| 15 | 1.20% | ¥63,162 | ¥11,369,250 | ¥969,250 |
| 15 | 1.30% | ¥63,625 | ¥11,452,549 | ¥1,052,549 |
| 15 | 1.40% | ¥64,090 | ¥11,536,235 | ¥1,136,235 |
| 15 | 1.50% | ¥64,557 | ¥11,620,309 | ¥1,220,309 |
| 15 | 1.60% | ¥65,027 | ¥11,704,771 | ¥1,304,771 |
| 15 | 1.70% | ¥65,498 | ¥11,789,619 | ¥1,389,619 |
| 15 | 1.80% | ¥65,971 | ¥11,874,854 | ¥1,474,854 |
| 15 | 1.90% | ¥66,447 | ¥11,960,476 | ¥1,560,476 |
| 15 | 2.00% | ¥66,925 | ¥12,046,483 | ¥1,646,483 |
| 15 | 2.10% | ¥67,405 | ¥12,132,876 | ¥1,732,876 |
| 15 | 2.20% | ¥67,887 | ¥12,219,654 | ¥1,819,654 |
| 15 | 2.30% | ¥68,371 | ¥12,306,816 | ¥1,906,816 |
| 15 | 2.40% | ¥68,858 | ¥12,394,363 | ¥1,994,363 |
| 15 | 2.50% | ¥69,346 | ¥12,482,294 | ¥2,082,294 |
| 15 | 2.60% | ¥69,837 | ¥12,570,608 | ¥2,170,608 |
| 15 | 2.70% | ¥70,329 | ¥12,659,305 | ¥2,259,305 |
| 15 | 2.80% | ¥70,824 | ¥12,748,385 | ¥2,348,385 |
| 15 | 2.90% | ¥71,321 | ¥12,837,846 | ¥2,437,846 |
| 15 | 3.00% | ¥71,820 | ¥12,927,688 | ¥2,527,688 |
1040万円｜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% | ¥89,761 | ¥10,771,278 | ¥371,278 |
| 10 | 0.80% | ¥90,208 | ¥10,825,011 | ¥425,011 |
| 10 | 0.90% | ¥90,658 | ¥10,878,916 | ¥478,916 |
| 10 | 1.00% | ¥91,108 | ¥10,932,994 | ¥532,994 |
| 10 | 1.10% | ¥91,560 | ¥10,987,246 | ¥587,246 |
| 10 | 1.20% | ¥92,014 | ¥11,041,670 | ¥641,670 |
| 10 | 1.30% | ¥92,469 | ¥11,096,267 | ¥696,267 |
| 10 | 1.40% | ¥92,925 | ¥11,151,037 | ¥751,037 |
| 10 | 1.50% | ¥93,383 | ¥11,205,979 | ¥805,979 |
| 10 | 1.60% | ¥93,842 | ¥11,261,094 | ¥861,094 |
| 10 | 1.70% | ¥94,303 | ¥11,316,382 | ¥916,382 |
| 10 | 1.80% | ¥94,765 | ¥11,371,842 | ¥971,842 |
| 10 | 1.90% | ¥95,229 | ¥11,427,474 | ¥1,027,474 |
| 10 | 2.00% | ¥95,694 | ¥11,483,279 | ¥1,083,279 |
| 10 | 2.10% | ¥96,160 | ¥11,539,256 | ¥1,139,256 |
| 10 | 2.20% | ¥96,628 | ¥11,595,405 | ¥1,195,405 |
| 10 | 2.30% | ¥97,098 | ¥11,651,726 | ¥1,251,726 |
| 10 | 2.40% | ¥97,568 | ¥11,708,219 | ¥1,308,219 |
| 10 | 2.50% | ¥98,041 | ¥11,764,884 | ¥1,364,884 |
| 10 | 2.60% | ¥98,514 | ¥11,821,720 | ¥1,421,720 |
| 10 | 2.70% | ¥98,989 | ¥11,878,728 | ¥1,478,728 |
| 10 | 2.80% | ¥99,466 | ¥11,935,908 | ¥1,535,908 |
| 10 | 2.90% | ¥99,944 | ¥11,993,259 | ¥1,593,259 |
| 10 | 3.00% | ¥100,423 | ¥12,050,781 | ¥1,650,781 |
