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 |
