1280万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。1280万円の住宅ローンが、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。
1280万円の住宅ローン｜期間・年数別
1280万円｜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% |
¥25,290 |
¥15,174,096 |
¥2,374,096 |
| 50 |
0.80% |
¥25,891 |
¥15,534,423 |
¥2,734,423 |
| 50 |
0.90% |
¥26,500 |
¥15,899,994 |
¥3,099,994 |
| 50 |
1.00% |
¥27,118 |
¥16,270,785 |
¥3,470,785 |
| 50 |
1.10% |
¥27,745 |
¥16,646,772 |
¥3,846,772 |
| 50 |
1.20% |
¥28,380 |
¥17,027,926 |
¥4,227,926 |
| 50 |
1.30% |
¥29,024 |
¥17,414,218 |
¥4,614,218 |
| 50 |
1.40% |
¥29,676 |
¥17,805,615 |
¥5,005,615 |
| 50 |
1.50% |
¥30,337 |
¥18,202,083 |
¥5,402,083 |
| 50 |
1.60% |
¥31,006 |
¥18,603,585 |
¥5,803,585 |
| 50 |
1.70% |
¥31,683 |
¥19,010,082 |
¥6,210,082 |
| 50 |
1.80% |
¥32,369 |
¥19,421,532 |
¥6,621,532 |
| 50 |
1.90% |
¥33,063 |
¥19,837,893 |
¥7,037,893 |
| 50 |
2.00% |
¥33,765 |
¥20,259,120 |
¥7,459,120 |
| 50 |
2.10% |
¥34,475 |
¥20,685,166 |
¥7,885,166 |
| 50 |
2.20% |
¥35,193 |
¥21,115,982 |
¥8,315,982 |
| 50 |
2.30% |
¥35,919 |
¥21,551,518 |
¥8,751,518 |
| 50 |
2.40% |
¥36,653 |
¥21,991,722 |
¥9,191,722 |
| 50 |
2.50% |
¥37,394 |
¥22,436,540 |
¥9,636,540 |
| 50 |
2.60% |
¥38,143 |
¥22,885,918 |
¥10,085,918 |
| 50 |
2.70% |
¥38,900 |
¥23,339,798 |
¥10,539,798 |
| 50 |
2.80% |
¥39,664 |
¥23,798,123 |
¥10,998,123 |
| 50 |
2.90% |
¥40,435 |
¥24,260,834 |
¥11,460,834 |
| 50 |
3.00% |
¥41,213 |
¥24,727,872 |
¥11,927,872 |
1280万円｜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% |
¥27,640 |
¥14,925,368 |
¥2,125,368 |
| 45 |
0.80% |
¥28,234 |
¥15,246,163 |
¥2,446,163 |
| 45 |
0.90% |
¥28,836 |
¥15,571,218 |
¥2,771,218 |
| 45 |
1.00% |
¥29,445 |
¥15,900,518 |
¥3,100,518 |
| 45 |
1.10% |
¥30,063 |
¥16,234,046 |
¥3,434,046 |
| 45 |
1.20% |
¥30,688 |
¥16,571,785 |
¥3,771,785 |
| 45 |
1.30% |
¥31,322 |
¥16,913,713 |
¥4,113,713 |
| 45 |
1.40% |
¥31,963 |
¥17,259,809 |
¥4,459,809 |
| 45 |
1.50% |
¥32,611 |
¥17,610,051 |
¥4,810,051 |
| 45 |
1.60% |
¥33,267 |
¥17,964,413 |
¥5,164,413 |
| 45 |
1.70% |
¥33,931 |
¥18,322,870 |
¥5,522,870 |
| 45 |
1.80% |
¥34,603 |
¥18,685,395 |
¥5,885,395 |
| 45 |
1.90% |
¥35,281 |
¥19,051,958 |
¥6,251,958 |
| 45 |
2.00% |
¥35,968 |
¥19,422,529 |
¥6,622,529 |
| 45 |
2.10% |
¥36,661 |
¥19,797,077 |
¥6,997,077 |
| 45 |
2.20% |
¥37,362 |
¥20,175,569 |
¥7,375,569 |
| 45 |
2.30% |
¥38,070 |
¥20,557,972 |
¥7,757,972 |
| 45 |
2.40% |
¥38,786 |
¥20,944,249 |
¥8,144,249 |
| 45 |
2.50% |
¥39,508 |
¥21,334,364 |
¥8,534,364 |
| 45 |
2.60% |
¥40,238 |
¥21,728,281 |
¥8,928,281 |
| 45 |
2.70% |
¥40,974 |
¥22,125,960 |
¥9,325,960 |
| 45 |
2.80% |
¥41,717 |
¥22,527,363 |
¥9,727,363 |
| 45 |
2.90% |
¥42,467 |
¥22,932,448 |
¥10,132,448 |
| 45 |
3.00% |
¥43,224 |
¥23,341,175 |
¥10,541,175 |
1280万円｜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% |
¥30,582 |
¥14,679,226 |
¥1,879,226 |
| 40 |
0.80% |
¥31,169 |
¥14,961,271 |
¥2,161,271 |
| 40 |
0.90% |
¥31,764 |
¥15,246,690 |
¥2,446,690 |
| 40 |
1.00% |
¥32,366 |
¥15,535,475 |
¥2,735,475 |
| 40 |
1.10% |
¥32,974 |
¥15,827,615 |
¥3,027,615 |
| 40 |
1.20% |
¥33,590 |
¥16,123,099 |
¥3,323,099 |
| 40 |
1.30% |
¥34,212 |
¥16,421,913 |
¥3,621,913 |
| 40 |
1.40% |
¥34,842 |
¥16,724,045 |
¥3,924,045 |
| 40 |
1.50% |
¥35,478 |
¥17,029,478 |
¥4,229,478 |
| 40 |
1.60% |
¥36,121 |
¥17,338,199 |
¥4,538,199 |
| 40 |
1.70% |
¥36,771 |
¥17,650,190 |
¥4,850,190 |
| 40 |
1.80% |
¥37,428 |
¥17,965,434 |
¥5,165,434 |
| 40 |
1.90% |
¥38,091 |
¥18,283,913 |
¥5,483,913 |
| 40 |
2.00% |
¥38,762 |
¥18,605,607 |
¥5,805,607 |
| 40 |
2.10% |
¥39,439 |
¥18,930,497 |
¥6,130,497 |
| 40 |
2.20% |
¥40,122 |
¥19,258,560 |
¥6,458,560 |
| 40 |
2.30% |
¥40,812 |
¥19,589,776 |
¥6,789,776 |
| 40 |
2.40% |
¥41,509 |
¥19,924,122 |
¥7,124,122 |
| 40 |
2.50% |
¥42,212 |
¥20,261,574 |
¥7,461,574 |
| 40 |
2.60% |
¥42,921 |
¥20,602,109 |
¥7,802,109 |
| 40 |
2.70% |
¥43,637 |
¥20,945,701 |
¥8,145,701 |
| 40 |
2.80% |
¥44,359 |
¥21,292,325 |
¥8,492,325 |
| 40 |
2.90% |
¥45,087 |
¥21,641,955 |
¥8,841,955 |
| 40 |
3.00% |
¥45,822 |
¥21,994,563 |
¥9,194,563 |
1280万円｜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% |
¥34,371 |
¥14,435,677 |
¥1,635,677 |
| 35 |
0.80% |
¥34,952 |
¥14,679,756 |
¥1,879,756 |
| 35 |
0.90% |
¥35,539 |
¥14,926,425 |
¥2,126,425 |
| 35 |
1.00% |
¥36,133 |
¥15,175,679 |
¥2,375,679 |
| 35 |
1.10% |
¥36,732 |
¥15,427,511 |
¥2,627,511 |
| 35 |
1.20% |
¥37,338 |
¥15,681,915 |
¥2,881,915 |
| 35 |
1.30% |
¥37,950 |
¥15,938,882 |
¥3,138,882 |
| 35 |
1.40% |
¥38,568 |
¥16,198,405 |
¥3,398,405 |
| 35 |
1.50% |
¥39,192 |
¥16,460,475 |
¥3,660,475 |
| 35 |
1.60% |
¥39,822 |
¥16,725,083 |
¥3,925,083 |
| 35 |
1.70% |
¥40,458 |
¥16,992,219 |
¥4,192,219 |
| 35 |
1.80% |
¥41,100 |
¥17,261,872 |
¥4,461,872 |
| 35 |
1.90% |
¥41,748 |
¥17,534,032 |
¥4,734,032 |
| 35 |
2.00% |
¥42,402 |
¥17,808,686 |
¥5,008,686 |
| 35 |
2.10% |
¥43,061 |
¥18,085,824 |
¥5,285,824 |
| 35 |
2.20% |
¥43,727 |
¥18,365,432 |
¥5,565,432 |
| 35 |
2.30% |
¥44,399 |
¥18,647,497 |
¥5,847,497 |
| 35 |
2.40% |
¥45,076 |
¥18,932,005 |
¥6,132,005 |
| 35 |
2.50% |
¥45,759 |
¥19,218,943 |
¥6,418,943 |
| 35 |
2.60% |
¥46,448 |
¥19,508,295 |
¥6,708,295 |
| 35 |
2.70% |
¥47,143 |
¥19,800,048 |
¥7,000,048 |
| 35 |
2.80% |
¥47,843 |
¥20,094,185 |
¥7,294,185 |
| 35 |
2.90% |
¥48,549 |
¥20,390,689 |
¥7,590,689 |
| 35 |
3.00% |
¥49,261 |
¥20,689,546 |
¥7,889,546 |
1280万円｜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% |
¥39,430 |
¥14,194,725 |
¥1,394,725 |
| 30 |
0.80% |
¥40,005 |
¥14,401,627 |
¥1,601,627 |
| 30 |
0.90% |
¥40,585 |
¥14,610,436 |
¥1,810,436 |
| 30 |
1.00% |
¥41,170 |
¥14,821,149 |
¥2,021,149 |
| 30 |
1.10% |
¥41,760 |
¥15,033,763 |
¥2,233,763 |
| 30 |
1.20% |
¥42,356 |
¥15,248,273 |
¥2,448,273 |
| 30 |
1.30% |
¥42,957 |
¥15,464,675 |
¥2,664,675 |
| 30 |
1.40% |
¥43,564 |
¥15,682,966 |
¥2,882,966 |
| 30 |
1.50% |
¥44,175 |
¥15,903,139 |
¥3,103,139 |
| 30 |
1.60% |
¥44,792 |
¥16,125,191 |
¥3,325,191 |
| 30 |
1.70% |
¥45,414 |
¥16,349,115 |
¥3,549,115 |
| 30 |
1.80% |
¥46,041 |
¥16,574,907 |
¥3,774,907 |
| 30 |
1.90% |
¥46,674 |
¥16,802,559 |
¥4,002,559 |
| 30 |
2.00% |
¥47,311 |
¥17,032,065 |
¥4,232,065 |
| 30 |
2.10% |
¥47,954 |
¥17,263,420 |
¥4,463,420 |
| 30 |
2.20% |
¥48,602 |
¥17,496,615 |
¥4,696,615 |
| 30 |
2.30% |
¥49,255 |
¥17,731,643 |
¥4,931,643 |
| 30 |
2.40% |
¥49,912 |
¥17,968,498 |
¥5,168,498 |
| 30 |
2.50% |
¥50,575 |
¥18,207,171 |
¥5,407,171 |
| 30 |
2.60% |
¥51,243 |
¥18,447,654 |
¥5,647,654 |
| 30 |
2.70% |
¥51,916 |
¥18,689,938 |
¥5,889,938 |
| 30 |
2.80% |
¥52,594 |
¥18,934,016 |
¥6,134,016 |
| 30 |
2.90% |
¥53,277 |
¥19,179,877 |
¥6,379,877 |
| 30 |
3.00% |
¥53,965 |
¥19,427,514 |
¥6,627,514 |
1280万円｜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% |
¥46,521 |
¥13,956,373 |
¥1,156,373 |
| 25 |
0.80% |
¥47,090 |
¥14,126,890 |
¥1,326,890 |
| 25 |
0.90% |
¥47,662 |
¥14,298,734 |
¥1,498,734 |
| 25 |
1.00% |
¥48,240 |
¥14,471,902 |
¥1,671,902 |
| 25 |
1.10% |
¥48,821 |
¥14,646,394 |
¥1,846,394 |
| 25 |
1.20% |
¥49,407 |
¥14,822,207 |
¥2,022,207 |
| 25 |
1.30% |
¥49,998 |
¥14,999,340 |
¥2,199,340 |
| 25 |
1.40% |
¥50,593 |
¥15,177,790 |
¥2,377,790 |
| 25 |
1.50% |
¥51,192 |
¥15,357,555 |
¥2,557,555 |
| 25 |
1.60% |
¥51,795 |
¥15,538,632 |
¥2,738,632 |
| 25 |
1.70% |
¥52,403 |
¥15,721,019 |
¥2,921,019 |
| 25 |
1.80% |
¥53,016 |
¥15,904,712 |
¥3,104,712 |
| 25 |
1.90% |
¥53,632 |
¥16,089,709 |
¥3,289,709 |
| 25 |
2.00% |
¥54,253 |
¥16,276,007 |
¥3,476,007 |
| 25 |
2.10% |
¥54,879 |
¥16,463,602 |
¥3,663,602 |
| 25 |
2.20% |
¥55,508 |
¥16,652,490 |
¥3,852,490 |
| 25 |
2.30% |
¥56,142 |
¥16,842,669 |
¥4,042,669 |
| 25 |
2.40% |
¥56,780 |
¥17,034,135 |
¥4,234,135 |
| 25 |
2.50% |
¥57,423 |
¥17,226,883 |
¥4,426,883 |
| 25 |
2.60% |
¥58,070 |
¥17,420,909 |
¥4,620,909 |
| 25 |
2.70% |
¥58,721 |
¥17,616,210 |
¥4,816,210 |
| 25 |
2.80% |
¥59,376 |
¥17,812,781 |
¥5,012,781 |
| 25 |
2.90% |
¥60,035 |
¥18,010,617 |
¥5,210,617 |
| 25 |
3.00% |
¥60,699 |
¥18,209,714 |
¥5,409,714 |
1280万円｜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% |
¥57,169 |
¥13,720,627 |
¥920,627 |
| 20 |
0.80% |
¥57,731 |
¥13,855,552 |
¥1,055,552 |
| 20 |
0.90% |
¥58,297 |
¥13,991,328 |
¥1,191,328 |
| 20 |
1.00% |
¥58,866 |
¥14,127,953 |
¥1,327,953 |
| 20 |
1.10% |
¥59,439 |
¥14,265,427 |
¥1,465,427 |
| 20 |
1.20% |
¥60,016 |
¥14,403,749 |
¥1,603,749 |
| 20 |
1.30% |
¥60,595 |
¥14,542,919 |
¥1,742,919 |
| 20 |
1.40% |
¥61,179 |
¥14,682,934 |
¥1,882,934 |
| 20 |
1.50% |
¥61,766 |
¥14,823,795 |
¥2,023,795 |
| 20 |
1.60% |
¥62,356 |
¥14,965,500 |
¥2,165,500 |
| 20 |
1.70% |
¥62,950 |
¥15,108,048 |
¥2,308,048 |
| 20 |
1.80% |
¥63,548 |
¥15,251,437 |
¥2,451,437 |
| 20 |
1.90% |
¥64,149 |
¥15,395,667 |
¥2,595,667 |
| 20 |
2.00% |
¥64,753 |
¥15,540,736 |
¥2,740,736 |
| 20 |
2.10% |
¥65,361 |
¥15,686,643 |
¥2,886,643 |
| 20 |
2.20% |
¥65,972 |
¥15,833,386 |
¥3,033,386 |
| 20 |
2.30% |
¥66,587 |
¥15,980,964 |
¥3,180,964 |
| 20 |
2.40% |
¥67,206 |
¥16,129,375 |
¥3,329,375 |
| 20 |
2.50% |
¥67,828 |
¥16,278,617 |
¥3,478,617 |
| 20 |
2.60% |
¥68,453 |
¥16,428,689 |
¥3,628,689 |
| 20 |
2.70% |
¥69,082 |
¥16,579,589 |
¥3,779,589 |
| 20 |
2.80% |
¥69,714 |
¥16,731,315 |
¥3,931,315 |
| 20 |
2.90% |
¥70,349 |
¥16,883,866 |
¥4,083,866 |
| 20 |
3.00% |
¥70,988 |
¥17,037,238 |
¥4,237,238 |
1280万円｜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% |
¥74,930 |
¥13,487,487 |
¥687,487 |
| 15 |
0.80% |
¥75,487 |
¥13,587,617 |
¥787,617 |
| 15 |
0.90% |
¥76,046 |
¥13,688,226 |
¥888,226 |
| 15 |
1.00% |
¥76,607 |
¥13,789,314 |
¥989,314 |
| 15 |
1.10% |
¥77,172 |
¥13,890,879 |
¥1,090,879 |
| 15 |
1.20% |
¥77,738 |
¥13,992,923 |
¥1,192,923 |
| 15 |
1.30% |
¥78,308 |
¥14,095,444 |
¥1,295,444 |
| 15 |
1.40% |
¥78,880 |
¥14,198,443 |
¥1,398,443 |
| 15 |
1.50% |
¥79,455 |
¥14,301,919 |
¥1,501,919 |
| 15 |
1.60% |
¥80,033 |
¥14,405,872 |
¥1,605,872 |
| 15 |
1.70% |
¥80,613 |
¥14,510,301 |
¥1,710,301 |
| 15 |
1.80% |
¥81,196 |
¥14,615,205 |
¥1,815,205 |
| 15 |
1.90% |
¥81,781 |
¥14,720,585 |
¥1,920,585 |
| 15 |
2.00% |
¥82,369 |
¥14,826,440 |
¥2,026,440 |
| 15 |
2.10% |
¥82,960 |
¥14,932,770 |
¥2,132,770 |
| 15 |
2.20% |
¥83,553 |
¥15,039,574 |
¥2,239,574 |
| 15 |
2.30% |
¥84,149 |
¥15,146,851 |
¥2,346,851 |
| 15 |
2.40% |
¥84,748 |
¥15,254,601 |
¥2,454,601 |
| 15 |
2.50% |
¥85,349 |
¥15,362,823 |
¥2,562,823 |
| 15 |
2.60% |
¥85,953 |
¥15,471,518 |
¥2,671,518 |
| 15 |
2.70% |
¥86,559 |
¥15,580,683 |
¥2,780,683 |
| 15 |
2.80% |
¥87,168 |
¥15,690,319 |
¥2,890,319 |
| 15 |
2.90% |
¥87,780 |
¥15,800,426 |
¥3,000,426 |
| 15 |
3.00% |
¥88,394 |
¥15,911,001 |
¥3,111,001 |
1280万円｜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% |
¥110,475 |
¥13,256,958 |
¥456,958 |
| 10 |
0.80% |
¥111,026 |
¥13,323,090 |
¥523,090 |
| 10 |
0.90% |
¥111,579 |
¥13,389,435 |
¥589,435 |
| 10 |
1.00% |
¥112,133 |
¥13,455,993 |
¥655,993 |
| 10 |
1.10% |
¥112,690 |
¥13,522,764 |
¥722,764 |
| 10 |
1.20% |
¥113,248 |
¥13,589,748 |
¥789,748 |
| 10 |
1.30% |
¥113,808 |
¥13,656,944 |
¥856,944 |
| 10 |
1.40% |
¥114,370 |
¥13,724,353 |
¥924,353 |
| 10 |
1.50% |
¥114,933 |
¥13,791,974 |
¥991,974 |
| 10 |
1.60% |
¥115,498 |
¥13,859,808 |
¥1,059,808 |
| 10 |
1.70% |
¥116,065 |
¥13,927,855 |
¥1,127,855 |
| 10 |
1.80% |
¥116,634 |
¥13,996,113 |
¥1,196,113 |
| 10 |
1.90% |
¥117,205 |
¥14,064,584 |
¥1,264,584 |
| 10 |
2.00% |
¥117,777 |
¥14,133,267 |
¥1,333,267 |
| 10 |
2.10% |
¥118,351 |
¥14,202,161 |
¥1,402,161 |
| 10 |
2.20% |
¥118,927 |
¥14,271,268 |
¥1,471,268 |
| 10 |
2.30% |
¥119,505 |
¥14,340,586 |
¥1,540,586 |
| 10 |
2.40% |
¥120,084 |
¥14,410,116 |
¥1,610,116 |
| 10 |
2.50% |
¥120,665 |
¥14,479,857 |
¥1,679,857 |
| 10 |
2.60% |
¥121,248 |
¥14,549,809 |
¥1,749,809 |
| 10 |
2.70% |
¥121,833 |
¥14,619,973 |
¥1,819,973 |
| 10 |
2.80% |
¥122,420 |
¥14,690,348 |
¥1,890,348 |
| 10 |
2.90% |
¥123,008 |
¥14,760,934 |
¥1,960,934 |
| 10 |
3.00% |
¥123,598 |
¥14,831,730 |
¥2,031,730 |
