1230万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。1230万円の住宅ローンが、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。
1230万円の住宅ローン｜期間・年数別
1230万円｜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% | ¥24,302 | ¥14,581,358 | ¥2,281,358 |
| 50 | 0.80% | ¥24,879 | ¥14,927,610 | ¥2,627,610 |
| 50 | 0.90% | ¥25,465 | ¥15,278,900 | ¥2,978,900 |
| 50 | 1.00% | ¥26,059 | ¥15,635,208 | ¥3,335,208 |
| 50 | 1.10% | ¥26,661 | ¥15,996,507 | ¥3,696,507 |
| 50 | 1.20% | ¥27,271 | ¥16,362,773 | ¥4,062,773 |
| 50 | 1.30% | ¥27,890 | ¥16,733,975 | ¥4,433,975 |
| 50 | 1.40% | ¥28,517 | ¥17,110,083 | ¥4,810,083 |
| 50 | 1.50% | ¥29,152 | ¥17,491,064 | ¥5,191,064 |
| 50 | 1.60% | ¥29,795 | ¥17,876,882 | ¥5,576,882 |
| 50 | 1.70% | ¥30,446 | ¥18,267,500 | ¥5,967,500 |
| 50 | 1.80% | ¥31,105 | ¥18,662,879 | ¥6,362,879 |
| 50 | 1.90% | ¥31,772 | ¥19,062,976 | ¥6,762,976 |
| 50 | 2.00% | ¥32,446 | ¥19,467,748 | ¥7,167,748 |
| 50 | 2.10% | ¥33,129 | ¥19,877,152 | ¥7,577,152 |
| 50 | 2.20% | ¥33,819 | ¥20,291,139 | ¥7,991,139 |
| 50 | 2.30% | ¥34,516 | ¥20,709,662 | ¥8,409,662 |
| 50 | 2.40% | ¥35,221 | ¥21,132,670 | ¥8,832,670 |
| 50 | 2.50% | ¥35,934 | ¥21,560,113 | ¥9,260,113 |
| 50 | 2.60% | ¥36,653 | ¥21,991,936 | ¥9,691,936 |
| 50 | 2.70% | ¥37,380 | ¥22,428,087 | ¥10,128,087 |
| 50 | 2.80% | ¥38,114 | ¥22,868,509 | ¥10,568,509 |
| 50 | 2.90% | ¥38,855 | ¥23,313,146 | ¥11,013,146 |
| 50 | 3.00% | ¥39,603 | ¥23,761,939 | ¥11,461,939 |
1230万円｜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% | ¥26,560 | ¥14,342,345 | ¥2,042,345 |
| 45 | 0.80% | ¥27,131 | ¥14,650,610 | ¥2,350,610 |
| 45 | 0.90% | ¥27,709 | ¥14,962,967 | ¥2,662,967 |
| 45 | 1.00% | ¥28,295 | ¥15,279,404 | ¥2,979,404 |
| 45 | 1.10% | ¥28,889 | ¥15,599,904 | ¥3,299,904 |
| 45 | 1.20% | ¥29,490 | ¥15,924,449 | ¥3,624,449 |
| 45 | 1.30% | ¥30,098 | ¥16,253,021 | ¥3,953,021 |
| 45 | 1.40% | ¥30,714 | ¥16,585,598 | ¥4,285,598 |
| 45 | 1.50% | ¥31,337 | ¥16,922,158 | ¥4,622,158 |
| 45 | 1.60% | ¥31,968 | ¥17,262,678 | ¥4,962,678 |
| 45 | 1.70% | ¥32,606 | ¥17,607,133 | ¥5,307,133 |
| 45 | 1.80% | ¥33,251 | ¥17,955,497 | ¥5,655,497 |
| 45 | 1.90% | ¥33,903 | ¥18,307,741 | ¥6,007,741 |
| 45 | 2.00% | ¥34,563 | ¥18,663,837 | ¥6,363,837 |
| 45 | 2.10% | ¥35,229 | ¥19,023,754 | ¥6,723,754 |
| 45 | 2.20% | ¥35,903 | ¥19,387,461 | ¥7,087,461 |
| 45 | 2.30% | ¥36,583 | ¥19,754,926 | ¥7,454,926 |
| 45 | 2.40% | ¥37,271 | ¥20,126,114 | ¥7,826,114 |
| 45 | 2.50% | ¥37,965 | ¥20,500,991 | ¥8,200,991 |
| 45 | 2.60% | ¥38,666 | ¥20,879,520 | ¥8,579,520 |
| 45 | 2.70% | ¥39,373 | ¥21,261,665 | ¥8,961,665 |
| 45 | 2.80% | ¥40,088 | ¥21,647,388 | ¥9,347,388 |
| 45 | 2.90% | ¥40,809 | ¥22,036,649 | ¥9,736,649 |
| 45 | 3.00% | ¥41,536 | ¥22,429,410 | ¥10,129,410 |
1230万円｜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% | ¥29,387 | ¥14,105,819 | ¥1,805,819 |
| 40 | 0.80% | ¥29,952 | ¥14,376,846 | ¥2,076,846 |
| 40 | 0.90% | ¥30,523 | ¥14,651,116 | ¥2,351,116 |
| 40 | 1.00% | ¥31,101 | ¥14,928,621 | ¥2,628,621 |
| 40 | 1.10% | ¥31,686 | ¥15,209,349 | ¥2,909,349 |
| 40 | 1.20% | ¥32,278 | ¥15,493,290 | ¥3,193,290 |
| 40 | 1.30% | ¥32,876 | ¥15,780,432 | ¥3,480,432 |
| 40 | 1.40% | ¥33,481 | ¥16,070,762 | ¥3,770,762 |
| 40 | 1.50% | ¥34,092 | ¥16,364,264 | ¥4,064,264 |
| 40 | 1.60% | ¥34,710 | ¥16,660,926 | ¥4,360,926 |
| 40 | 1.70% | ¥35,335 | ¥16,960,730 | ¥4,660,730 |
| 40 | 1.80% | ¥35,966 | ¥17,263,660 | ¥4,963,660 |
| 40 | 1.90% | ¥36,604 | ¥17,569,698 | ¥5,269,698 |
| 40 | 2.00% | ¥37,248 | ¥17,878,826 | ¥5,578,826 |
| 40 | 2.10% | ¥37,898 | ¥18,191,024 | ¥5,891,024 |
| 40 | 2.20% | ¥38,555 | ¥18,506,273 | ¥6,206,273 |
| 40 | 2.30% | ¥39,218 | ¥18,824,550 | ¥6,524,550 |
| 40 | 2.40% | ¥39,887 | ¥19,145,836 | ¥6,845,836 |
| 40 | 2.50% | ¥40,563 | ¥19,470,107 | ¥7,170,107 |
| 40 | 2.60% | ¥41,244 | ¥19,797,339 | ¥7,497,339 |
| 40 | 2.70% | ¥41,932 | ¥20,127,510 | ¥7,827,510 |
| 40 | 2.80% | ¥42,626 | ¥20,460,594 | ¥8,160,594 |
| 40 | 2.90% | ¥43,326 | ¥20,796,566 | ¥8,496,566 |
| 40 | 3.00% | ¥44,032 | ¥21,135,400 | ¥8,835,400 |
1230万円｜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% | ¥33,028 | ¥13,871,783 | ¥1,571,783 |
| 35 | 0.80% | ¥33,586 | ¥14,106,328 | ¥1,806,328 |
| 35 | 0.90% | ¥34,151 | ¥14,343,362 | ¥2,043,362 |
| 35 | 1.00% | ¥34,721 | ¥14,582,879 | ¥2,282,879 |
| 35 | 1.10% | ¥35,297 | ¥14,824,874 | ¥2,524,874 |
| 35 | 1.20% | ¥35,879 | ¥15,069,340 | ¥2,769,340 |
| 35 | 1.30% | ¥36,467 | ¥15,316,270 | ¥3,016,270 |
| 35 | 1.40% | ¥37,061 | ¥15,565,655 | ¥3,265,655 |
| 35 | 1.50% | ¥37,661 | ¥15,817,488 | ¥3,517,488 |
| 35 | 1.60% | ¥38,266 | ¥16,071,760 | ¥3,771,760 |
| 35 | 1.70% | ¥38,877 | ¥16,328,461 | ¥4,028,461 |
| 35 | 1.80% | ¥39,494 | ¥16,587,580 | ¥4,287,580 |
| 35 | 1.90% | ¥40,117 | ¥16,849,109 | ¥4,549,109 |
| 35 | 2.00% | ¥40,745 | ¥17,113,035 | ¥4,813,035 |
| 35 | 2.10% | ¥41,379 | ¥17,379,346 | ¥5,079,346 |
| 35 | 2.20% | ¥42,019 | ¥17,648,032 | ¥5,348,032 |
| 35 | 2.30% | ¥42,664 | ¥17,919,079 | ¥5,619,079 |
| 35 | 2.40% | ¥43,315 | ¥18,192,473 | ¥5,892,473 |
| 35 | 2.50% | ¥43,972 | ¥18,468,203 | ¥6,168,203 |
| 35 | 2.60% | ¥44,634 | ¥18,746,253 | ¥6,446,253 |
| 35 | 2.70% | ¥45,301 | ¥19,026,609 | ¥6,726,609 |
| 35 | 2.80% | ¥45,974 | ¥19,309,255 | ¥7,009,255 |
| 35 | 2.90% | ¥46,653 | ¥19,594,178 | ¥7,294,178 |
| 35 | 3.00% | ¥47,337 | ¥19,881,361 | ¥7,581,361 |
1230万円｜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% | ¥37,890 | ¥13,640,243 | ¥1,340,243 |
| 30 | 0.80% | ¥38,442 | ¥13,839,063 | ¥1,539,063 |
| 30 | 0.90% | ¥38,999 | ¥14,039,716 | ¥1,739,716 |
| 30 | 1.00% | ¥39,562 | ¥14,242,198 | ¥1,942,198 |
| 30 | 1.10% | ¥40,129 | ¥14,446,506 | ¥2,146,506 |
| 30 | 1.20% | ¥40,702 | ¥14,652,637 | ¥2,352,637 |
| 30 | 1.30% | ¥41,279 | ¥14,860,586 | ¥2,560,586 |
| 30 | 1.40% | ¥41,862 | ¥15,070,350 | ¥2,770,350 |
| 30 | 1.50% | ¥42,450 | ¥15,281,923 | ¥2,981,923 |
| 30 | 1.60% | ¥43,043 | ¥15,495,301 | ¥3,195,301 |
| 30 | 1.70% | ¥43,640 | ¥15,710,478 | ¥3,410,478 |
| 30 | 1.80% | ¥44,243 | ¥15,927,449 | ¥3,627,449 |
| 30 | 1.90% | ¥44,851 | ¥16,146,209 | ¥3,846,209 |
| 30 | 2.00% | ¥45,463 | ¥16,366,750 | ¥4,066,750 |
| 30 | 2.10% | ¥46,081 | ¥16,589,067 | ¥4,289,067 |
| 30 | 2.20% | ¥46,703 | ¥16,813,153 | ¥4,513,153 |
| 30 | 2.30% | ¥47,331 | ¥17,039,001 | ¥4,739,001 |
| 30 | 2.40% | ¥47,963 | ¥17,266,604 | ¥4,966,604 |
| 30 | 2.50% | ¥48,600 | ¥17,495,953 | ¥5,195,953 |
| 30 | 2.60% | ¥49,242 | ¥17,727,042 | ¥5,427,042 |
| 30 | 2.70% | ¥49,889 | ¥17,959,863 | ¥5,659,863 |
| 30 | 2.80% | ¥50,540 | ¥18,194,406 | ¥5,894,406 |
| 30 | 2.90% | ¥51,196 | ¥18,430,664 | ¥6,130,664 |
| 30 | 3.00% | ¥51,857 | ¥18,668,627 | ¥6,368,627 |
1230万円｜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% | ¥44,704 | ¥13,411,203 | ¥1,111,203 |
| 25 | 0.80% | ¥45,250 | ¥13,575,059 | ¥1,275,059 |
| 25 | 0.90% | ¥45,801 | ¥13,740,189 | ¥1,440,189 |
| 25 | 1.00% | ¥46,355 | ¥13,906,594 | ¥1,606,594 |
| 25 | 1.10% | ¥46,914 | ¥14,074,269 | ¥1,774,269 |
| 25 | 1.20% | ¥47,477 | ¥14,243,215 | ¥1,943,215 |
| 25 | 1.30% | ¥48,045 | ¥14,413,429 | ¥2,113,429 |
| 25 | 1.40% | ¥48,616 | ¥14,584,908 | ¥2,284,908 |
| 25 | 1.50% | ¥49,192 | ¥14,757,650 | ¥2,457,650 |
| 25 | 1.60% | ¥49,772 | ¥14,931,654 | ¥2,631,654 |
| 25 | 1.70% | ¥50,356 | ¥15,106,916 | ¥2,806,916 |
| 25 | 1.80% | ¥50,945 | ¥15,283,434 | ¥2,983,434 |
| 25 | 1.90% | ¥51,537 | ¥15,461,205 | ¥3,161,205 |
| 25 | 2.00% | ¥52,134 | ¥15,640,225 | ¥3,340,225 |
| 25 | 2.10% | ¥52,735 | ¥15,820,492 | ¥3,520,492 |
| 25 | 2.20% | ¥53,340 | ¥16,002,002 | ¥3,702,002 |
| 25 | 2.30% | ¥53,949 | ¥16,184,752 | ¥3,884,752 |
| 25 | 2.40% | ¥54,562 | ¥16,368,739 | ¥4,068,739 |
| 25 | 2.50% | ¥55,180 | ¥16,553,957 | ¥4,253,957 |
| 25 | 2.60% | ¥55,801 | ¥16,740,405 | ¥4,440,405 |
| 25 | 2.70% | ¥56,427 | ¥16,928,077 | ¥4,628,077 |
| 25 | 2.80% | ¥57,057 | ¥17,116,969 | ¥4,816,969 |
| 25 | 2.90% | ¥57,690 | ¥17,307,077 | ¥5,007,077 |
| 25 | 3.00% | ¥58,328 | ¥17,498,397 | ¥5,198,397 |
1230万円｜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% | ¥54,936 | ¥13,184,665 | ¥884,665 |
| 20 | 0.80% | ¥55,476 | ¥13,314,320 | ¥1,014,320 |
| 20 | 0.90% | ¥56,020 | ¥13,444,792 | ¥1,144,792 |
| 20 | 1.00% | ¥56,567 | ¥13,576,080 | ¥1,276,080 |
| 20 | 1.10% | ¥57,117 | ¥13,708,184 | ¥1,408,184 |
| 20 | 1.20% | ¥57,671 | ¥13,841,103 | ¥1,541,103 |
| 20 | 1.30% | ¥58,228 | ¥13,974,836 | ¥1,674,836 |
| 20 | 1.40% | ¥58,789 | ¥14,109,382 | ¥1,809,382 |
| 20 | 1.50% | ¥59,353 | ¥14,244,740 | ¥1,944,740 |
| 20 | 1.60% | ¥59,920 | ¥14,380,910 | ¥2,080,910 |
| 20 | 1.70% | ¥60,491 | ¥14,517,889 | ¥2,217,889 |
| 20 | 1.80% | ¥61,065 | ¥14,655,678 | ¥2,355,678 |
| 20 | 1.90% | ¥61,643 | ¥14,794,274 | ¥2,494,274 |
| 20 | 2.00% | ¥62,224 | ¥14,933,676 | ¥2,633,676 |
| 20 | 2.10% | ¥62,808 | ¥15,073,883 | ¥2,773,883 |
| 20 | 2.20% | ¥63,395 | ¥15,214,894 | ¥2,914,894 |
| 20 | 2.30% | ¥63,986 | ¥15,356,707 | ¥3,056,707 |
| 20 | 2.40% | ¥64,581 | ¥15,499,321 | ¥3,199,321 |
| 20 | 2.50% | ¥65,178 | ¥15,642,733 | ¥3,342,733 |
| 20 | 2.60% | ¥65,779 | ¥15,786,943 | ¥3,486,943 |
| 20 | 2.70% | ¥66,383 | ¥15,931,949 | ¥3,631,949 |
| 20 | 2.80% | ¥66,991 | ¥16,077,748 | ¥3,777,748 |
| 20 | 2.90% | ¥67,601 | ¥16,224,340 | ¥3,924,340 |
| 20 | 3.00% | ¥68,216 | ¥16,371,721 | ¥4,071,721 |
1230万円｜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% | ¥72,004 | ¥12,960,632 | ¥660,632 |
| 15 | 0.80% | ¥72,538 | ¥13,056,851 | ¥756,851 |
| 15 | 0.90% | ¥73,075 | ¥13,153,530 | ¥853,530 |
| 15 | 1.00% | ¥73,615 | ¥13,250,669 | ¥950,669 |
| 15 | 1.10% | ¥74,157 | ¥13,348,267 | ¥1,048,267 |
| 15 | 1.20% | ¥74,702 | ¥13,446,324 | ¥1,146,324 |
| 15 | 1.30% | ¥75,249 | ¥13,544,841 | ¥1,244,841 |
| 15 | 1.40% | ¥75,799 | ¥13,643,817 | ¥1,343,817 |
| 15 | 1.50% | ¥76,351 | ¥13,743,250 | ¥1,443,250 |
| 15 | 1.60% | ¥76,906 | ¥13,843,142 | ¥1,543,142 |
| 15 | 1.70% | ¥77,464 | ¥13,943,492 | ¥1,643,492 |
| 15 | 1.80% | ¥78,024 | ¥14,044,299 | ¥1,744,299 |
| 15 | 1.90% | ¥78,586 | ¥14,145,562 | ¥1,845,562 |
| 15 | 2.00% | ¥79,152 | ¥14,247,283 | ¥1,947,283 |
| 15 | 2.10% | ¥79,719 | ¥14,349,459 | ¥2,049,459 |
| 15 | 2.20% | ¥80,289 | ¥14,452,090 | ¥2,152,090 |
| 15 | 2.30% | ¥80,862 | ¥14,555,177 | ¥2,255,177 |
| 15 | 2.40% | ¥81,437 | ¥14,658,718 | ¥2,358,718 |
| 15 | 2.50% | ¥82,015 | ¥14,762,713 | ¥2,462,713 |
| 15 | 2.60% | ¥82,595 | ¥14,867,162 | ¥2,567,162 |
| 15 | 2.70% | ¥83,178 | ¥14,972,063 | ¥2,672,063 |
| 15 | 2.80% | ¥83,763 | ¥15,077,416 | ¥2,777,416 |
| 15 | 2.90% | ¥84,351 | ¥15,183,221 | ¥2,883,221 |
| 15 | 3.00% | ¥84,942 | ¥15,289,478 | ¥2,989,478 |
1230万円｜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% | ¥106,159 | ¥12,739,108 | ¥439,108 |
| 10 | 0.80% | ¥106,689 | ¥12,802,657 | ¥502,657 |
| 10 | 0.90% | ¥107,220 | ¥12,866,410 | ¥566,410 |
| 10 | 1.00% | ¥107,753 | ¥12,930,368 | ¥630,368 |
| 10 | 1.10% | ¥108,288 | ¥12,994,531 | ¥694,531 |
| 10 | 1.20% | ¥108,824 | ¥13,058,898 | ¥758,898 |
| 10 | 1.30% | ¥109,362 | ¥13,123,470 | ¥823,470 |
| 10 | 1.40% | ¥109,902 | ¥13,188,245 | ¥888,245 |
| 10 | 1.50% | ¥110,444 | ¥13,253,225 | ¥953,225 |
| 10 | 1.60% | ¥110,987 | ¥13,318,410 | ¥1,018,410 |
| 10 | 1.70% | ¥111,532 | ¥13,383,798 | ¥1,083,798 |
| 10 | 1.80% | ¥112,078 | ¥13,449,390 | ¥1,149,390 |
| 10 | 1.90% | ¥112,627 | ¥13,515,186 | ¥1,215,186 |
| 10 | 2.00% | ¥113,177 | ¥13,581,186 | ¥1,281,186 |
| 10 | 2.10% | ¥113,728 | ¥13,647,389 | ¥1,347,389 |
| 10 | 2.20% | ¥114,282 | ¥13,713,796 | ¥1,413,796 |
| 10 | 2.30% | ¥114,837 | ¥13,780,407 | ¥1,480,407 |
| 10 | 2.40% | ¥115,394 | ¥13,847,221 | ¥1,547,221 |
| 10 | 2.50% | ¥115,952 | ¥13,914,237 | ¥1,614,237 |
| 10 | 2.60% | ¥116,512 | ¥13,981,458 | ¥1,681,458 |
| 10 | 2.70% | ¥117,074 | ¥14,048,881 | ¥1,748,881 |
| 10 | 2.80% | ¥117,638 | ¥14,116,506 | ¥1,816,506 |
| 10 | 2.90% | ¥118,203 | ¥14,184,335 | ¥1,884,335 |
| 10 | 3.00% | ¥118,770 | ¥14,252,366 | ¥1,952,366 |
