9860万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。9860万円の住宅ローンが、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。
9860万円の住宅ローン｜期間・年数別
9860万円｜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% | ¥194,813 | ¥116,887,956 | ¥18,287,956 |
| 50 | 0.80% | ¥199,439 | ¥119,663,603 | ¥21,063,603 |
| 50 | 0.90% | ¥204,133 | ¥122,479,639 | ¥23,879,639 |
| 50 | 1.00% | ¥208,893 | ¥125,335,891 | ¥26,735,891 |
| 50 | 1.10% | ¥213,720 | ¥128,232,163 | ¥29,632,163 |
| 50 | 1.20% | ¥218,614 | ¥131,168,243 | ¥32,568,243 |
| 50 | 1.30% | ¥223,573 | ¥134,143,898 | ¥35,543,898 |
| 50 | 1.40% | ¥228,598 | ¥137,158,880 | ¥38,558,880 |
| 50 | 1.50% | ¥233,688 | ¥140,212,922 | ¥41,612,922 |
| 50 | 1.60% | ¥238,843 | ¥143,305,741 | ¥44,705,741 |
| 50 | 1.70% | ¥244,062 | ¥146,437,035 | ¥47,837,035 |
| 50 | 1.80% | ¥249,344 | ¥149,606,490 | ¥51,006,490 |
| 50 | 1.90% | ¥254,690 | ¥152,813,772 | ¥54,213,772 |
| 50 | 2.00% | ¥260,098 | ¥156,058,536 | ¥57,458,536 |
| 50 | 2.10% | ¥265,567 | ¥159,340,421 | ¥60,740,421 |
| 50 | 2.20% | ¥271,098 | ¥162,659,051 | ¥64,059,051 |
| 50 | 2.30% | ¥276,690 | ¥166,014,039 | ¥67,414,039 |
| 50 | 2.40% | ¥282,342 | ¥169,404,984 | ¥70,804,984 |
| 50 | 2.50% | ¥288,052 | ¥172,831,474 | ¥74,231,474 |
| 50 | 2.60% | ¥293,822 | ¥176,293,084 | ¥77,693,084 |
| 50 | 2.70% | ¥299,649 | ¥179,789,380 | ¥81,189,380 |
| 50 | 2.80% | ¥305,533 | ¥183,319,917 | ¥84,719,917 |
| 50 | 2.90% | ¥311,474 | ¥186,884,241 | ¥88,284,241 |
| 50 | 3.00% | ¥317,470 | ¥190,481,888 | ¥91,881,888 |
9860万円｜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% | ¥212,911 | ¥114,971,973 | ¥16,371,973 |
| 45 | 0.80% | ¥217,487 | ¥117,443,097 | ¥18,843,097 |
| 45 | 0.90% | ¥222,124 | ¥119,947,038 | ¥21,347,038 |
| 45 | 1.00% | ¥226,822 | ¥122,483,678 | ¥23,883,678 |
| 45 | 1.10% | ¥231,579 | ¥125,052,888 | ¥26,452,888 |
| 45 | 1.20% | ¥236,397 | ¥127,654,528 | ¥29,054,528 |
| 45 | 1.30% | ¥241,275 | ¥130,288,442 | ¥31,688,442 |
| 45 | 1.40% | ¥246,212 | ¥132,954,466 | ¥34,354,466 |
| 45 | 1.50% | ¥251,208 | ¥135,652,421 | ¥37,052,421 |
| 45 | 1.60% | ¥256,263 | ¥138,382,120 | ¥39,782,120 |
| 45 | 1.70% | ¥261,377 | ¥141,143,361 | ¥42,543,361 |
| 45 | 1.80% | ¥266,548 | ¥143,935,932 | ¥45,335,932 |
| 45 | 1.90% | ¥271,777 | ¥146,759,613 | ¥48,159,613 |
| 45 | 2.00% | ¥277,063 | ¥149,614,170 | ¥51,014,170 |
| 45 | 2.10% | ¥282,406 | ¥152,499,361 | ¥53,899,361 |
| 45 | 2.20% | ¥287,805 | ¥155,414,933 | ¥56,814,933 |
| 45 | 2.30% | ¥293,260 | ¥158,360,625 | ¥59,760,625 |
| 45 | 2.40% | ¥298,771 | ¥161,336,165 | ¥62,736,165 |
| 45 | 2.50% | ¥304,336 | ¥164,341,274 | ¥65,741,274 |
| 45 | 2.60% | ¥309,955 | ¥167,375,663 | ¥68,775,663 |
| 45 | 2.70% | ¥315,628 | ¥170,439,037 | ¥71,839,037 |
| 45 | 2.80% | ¥321,354 | ¥173,531,091 | ¥74,931,091 |
| 45 | 2.90% | ¥327,132 | ¥176,651,514 | ¥78,051,514 |
| 45 | 3.00% | ¥332,963 | ¥179,799,988 | ¥81,199,988 |
9860万円｜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% | ¥235,575 | ¥113,075,915 | ¥14,475,915 |
| 40 | 0.80% | ¥240,101 | ¥115,248,538 | ¥16,648,538 |
| 40 | 0.90% | ¥244,682 | ¥117,447,161 | ¥18,847,161 |
| 40 | 1.00% | ¥249,316 | ¥119,671,709 | ¥21,071,709 |
| 40 | 1.10% | ¥254,004 | ¥121,922,101 | ¥23,322,101 |
| 40 | 1.20% | ¥258,746 | ¥124,198,247 | ¥25,598,247 |
| 40 | 1.30% | ¥263,542 | ¥126,500,050 | ¥27,900,050 |
| 40 | 1.40% | ¥268,390 | ¥128,827,405 | ¥30,227,405 |
| 40 | 1.50% | ¥273,292 | ¥131,180,200 | ¥32,580,200 |
| 40 | 1.60% | ¥278,246 | ¥133,558,315 | ¥34,958,315 |
| 40 | 1.70% | ¥283,253 | ¥135,961,622 | ¥37,361,622 |
| 40 | 1.80% | ¥288,312 | ¥138,389,987 | ¥39,789,987 |
| 40 | 1.90% | ¥293,423 | ¥140,843,269 | ¥42,243,269 |
| 40 | 2.00% | ¥298,586 | ¥143,321,318 | ¥44,721,318 |
| 40 | 2.10% | ¥303,800 | ¥145,823,981 | ¥47,223,981 |
| 40 | 2.20% | ¥309,065 | ¥148,351,096 | ¥49,751,096 |
| 40 | 2.30% | ¥314,380 | ¥150,902,494 | ¥52,302,494 |
| 40 | 2.40% | ¥319,746 | ¥153,478,002 | ¥54,878,002 |
| 40 | 2.50% | ¥325,161 | ¥156,077,439 | ¥57,477,439 |
| 40 | 2.60% | ¥330,626 | ¥158,700,620 | ¥60,100,620 |
| 40 | 2.70% | ¥336,140 | ¥161,347,353 | ¥62,747,353 |
| 40 | 2.80% | ¥341,703 | ¥164,017,441 | ¥65,417,441 |
| 40 | 2.90% | ¥347,314 | ¥166,710,681 | ¥68,110,681 |
| 40 | 3.00% | ¥352,973 | ¥169,426,867 | ¥70,826,867 |
9860万円｜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% | ¥264,761 | ¥111,199,825 | ¥12,599,825 |
| 35 | 0.80% | ¥269,238 | ¥113,079,996 | ¥14,479,996 |
| 35 | 0.90% | ¥273,762 | ¥114,980,120 | ¥16,380,120 |
| 35 | 1.00% | ¥278,334 | ¥116,900,154 | ¥18,300,154 |
| 35 | 1.10% | ¥282,952 | ¥118,840,048 | ¥20,240,048 |
| 35 | 1.20% | ¥287,618 | ¥120,799,750 | ¥22,199,750 |
| 35 | 1.30% | ¥292,331 | ¥122,779,202 | ¥24,179,202 |
| 35 | 1.40% | ¥297,091 | ¥124,778,341 | ¥26,178,341 |
| 35 | 1.50% | ¥301,898 | ¥126,797,100 | ¥28,197,100 |
| 35 | 1.60% | ¥306,751 | ¥128,835,408 | ¥30,235,408 |
| 35 | 1.70% | ¥311,650 | ¥130,893,188 | ¥32,293,188 |
| 35 | 1.80% | ¥316,596 | ¥132,970,360 | ¥34,370,360 |
| 35 | 1.90% | ¥321,588 | ¥135,066,840 | ¥36,466,840 |
| 35 | 2.00% | ¥326,625 | ¥137,182,538 | ¥38,582,538 |
| 35 | 2.10% | ¥331,708 | ¥139,317,363 | ¥40,717,363 |
| 35 | 2.20% | ¥336,836 | ¥141,471,216 | ¥42,871,216 |
| 35 | 2.30% | ¥342,010 | ¥143,643,997 | ¥45,043,997 |
| 35 | 2.40% | ¥347,228 | ¥145,835,601 | ¥47,235,601 |
| 35 | 2.50% | ¥352,490 | ¥148,045,919 | ¥49,445,919 |
| 35 | 2.60% | ¥357,797 | ¥150,274,838 | ¥51,674,838 |
| 35 | 2.70% | ¥363,148 | ¥152,522,244 | ¥53,922,244 |
| 35 | 2.80% | ¥368,543 | ¥154,788,015 | ¥56,188,015 |
| 35 | 2.90% | ¥373,981 | ¥157,072,030 | ¥58,472,030 |
| 35 | 3.00% | ¥379,462 | ¥159,374,161 | ¥60,774,161 |
9860万円｜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% | ¥303,733 | ¥109,343,739 | ¥10,743,739 |
| 30 | 0.80% | ¥308,160 | ¥110,937,532 | ¥12,337,532 |
| 30 | 0.90% | ¥312,628 | ¥112,546,015 | ¥13,946,015 |
| 30 | 1.00% | ¥317,137 | ¥114,169,164 | ¥15,569,164 |
| 30 | 1.10% | ¥321,686 | ¥115,806,952 | ¥17,206,952 |
| 30 | 1.20% | ¥326,276 | ¥117,459,350 | ¥18,859,350 |
| 30 | 1.30% | ¥330,906 | ¥119,126,326 | ¥20,526,326 |
| 30 | 1.40% | ¥335,577 | ¥120,807,845 | ¥22,207,845 |
| 30 | 1.50% | ¥340,289 | ¥122,503,870 | ¥23,903,870 |
| 30 | 1.60% | ¥345,040 | ¥124,214,362 | ¥25,614,362 |
| 30 | 1.70% | ¥349,831 | ¥125,939,280 | ¥27,339,280 |
| 30 | 1.80% | ¥354,663 | ¥127,678,578 | ¥29,078,578 |
| 30 | 1.90% | ¥359,534 | ¥129,432,210 | ¥30,832,210 |
| 30 | 2.00% | ¥364,445 | ¥131,200,128 | ¥32,600,128 |
| 30 | 2.10% | ¥369,395 | ¥132,982,279 | ¥34,382,279 |
| 30 | 2.20% | ¥374,385 | ¥134,778,611 | ¥36,178,611 |
| 30 | 2.30% | ¥379,414 | ¥136,589,066 | ¥37,989,066 |
| 30 | 2.40% | ¥384,482 | ¥138,413,587 | ¥39,813,587 |
| 30 | 2.50% | ¥389,589 | ¥140,252,114 | ¥41,652,114 |
| 30 | 2.60% | ¥394,735 | ¥142,104,584 | ¥43,504,584 |
| 30 | 2.70% | ¥399,919 | ¥143,970,932 | ¥45,370,932 |
| 30 | 2.80% | ¥405,142 | ¥145,851,092 | ¥47,251,092 |
| 30 | 2.90% | ¥410,403 | ¥147,744,994 | ¥49,144,994 |
| 30 | 3.00% | ¥415,702 | ¥149,652,568 | ¥51,052,568 |
9860万円｜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% | ¥358,359 | ¥107,507,689 | ¥8,907,689 |
| 25 | 0.80% | ¥362,737 | ¥108,821,201 | ¥10,221,201 |
| 25 | 0.90% | ¥367,150 | ¥110,144,933 | ¥11,544,933 |
| 25 | 1.00% | ¥371,596 | ¥111,478,872 | ¥12,878,872 |
| 25 | 1.10% | ¥376,077 | ¥112,823,005 | ¥14,223,005 |
| 25 | 1.20% | ¥380,591 | ¥114,177,317 | ¥15,577,317 |
| 25 | 1.30% | ¥385,139 | ¥115,541,793 | ¥16,941,793 |
| 25 | 1.40% | ¥389,721 | ¥116,916,415 | ¥18,316,415 |
| 25 | 1.50% | ¥394,337 | ¥118,301,165 | ¥19,701,165 |
| 25 | 1.60% | ¥398,987 | ¥119,696,024 | ¥21,096,024 |
| 25 | 1.70% | ¥403,670 | ¥121,100,971 | ¥22,500,971 |
| 25 | 1.80% | ¥408,387 | ¥122,515,984 | ¥23,915,984 |
| 25 | 1.90% | ¥413,137 | ¥123,941,039 | ¥25,341,039 |
| 25 | 2.00% | ¥417,920 | ¥125,376,113 | ¥26,776,113 |
| 25 | 2.10% | ¥422,737 | ¥126,821,181 | ¥28,221,181 |
| 25 | 2.20% | ¥427,587 | ¥128,276,214 | ¥29,676,214 |
| 25 | 2.30% | ¥432,471 | ¥129,741,186 | ¥31,141,186 |
| 25 | 2.40% | ¥437,387 | ¥131,216,068 | ¥32,616,068 |
| 25 | 2.50% | ¥442,336 | ¥132,700,830 | ¥34,100,830 |
| 25 | 2.60% | ¥447,318 | ¥134,195,440 | ¥35,595,440 |
| 25 | 2.70% | ¥452,333 | ¥135,699,867 | ¥37,099,867 |
| 25 | 2.80% | ¥457,380 | ¥137,214,077 | ¥38,614,077 |
| 25 | 2.90% | ¥462,460 | ¥138,738,035 | ¥40,138,035 |
| 25 | 3.00% | ¥467,572 | ¥140,271,707 | ¥41,671,707 |
9860万円｜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% | ¥440,382 | ¥105,691,703 | ¥7,091,703 |
| 20 | 0.80% | ¥444,713 | ¥106,731,050 | ¥8,131,050 |
| 20 | 0.90% | ¥449,071 | ¥107,776,947 | ¥9,176,947 |
| 20 | 1.00% | ¥453,456 | ¥108,829,389 | ¥10,229,389 |
| 20 | 1.10% | ¥457,868 | ¥109,888,369 | ¥11,288,369 |
| 20 | 1.20% | ¥462,308 | ¥110,953,882 | ¥12,353,882 |
| 20 | 1.30% | ¥466,775 | ¥112,025,921 | ¥13,425,921 |
| 20 | 1.40% | ¥471,269 | ¥113,104,478 | ¥14,504,478 |
| 20 | 1.50% | ¥475,790 | ¥114,189,546 | ¥15,589,546 |
| 20 | 1.60% | ¥480,338 | ¥115,281,115 | ¥16,681,115 |
| 20 | 1.70% | ¥484,913 | ¥116,379,179 | ¥17,779,179 |
| 20 | 1.80% | ¥489,516 | ¥117,483,726 | ¥18,883,726 |
| 20 | 1.90% | ¥494,145 | ¥118,594,747 | ¥19,994,747 |
| 20 | 2.00% | ¥498,801 | ¥119,712,232 | ¥21,112,232 |
| 20 | 2.10% | ¥503,484 | ¥120,836,171 | ¥22,236,171 |
| 20 | 2.20% | ¥508,194 | ¥121,966,551 | ¥23,366,551 |
| 20 | 2.30% | ¥512,931 | ¥123,103,361 | ¥24,503,361 |
| 20 | 2.40% | ¥517,694 | ¥124,246,588 | ¥25,646,588 |
| 20 | 2.50% | ¥522,484 | ¥125,396,221 | ¥26,796,221 |
| 20 | 2.60% | ¥527,301 | ¥126,552,245 | ¥27,952,245 |
| 20 | 2.70% | ¥532,144 | ¥127,714,647 | ¥29,114,647 |
| 20 | 2.80% | ¥537,014 | ¥128,883,412 | ¥30,283,412 |
| 20 | 2.90% | ¥541,911 | ¥130,058,527 | ¥31,458,527 |
| 20 | 3.00% | ¥546,833 | ¥131,239,976 | ¥32,639,976 |
9860万円｜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% | ¥577,199 | ¥103,895,801 | ¥5,295,801 |
| 15 | 0.80% | ¥581,484 | ¥104,667,115 | ¥6,067,115 |
| 15 | 0.90% | ¥585,790 | ¥105,442,118 | ¥6,842,118 |
| 15 | 1.00% | ¥590,116 | ¥106,220,806 | ¥7,620,806 |
| 15 | 1.10% | ¥594,462 | ¥107,003,180 | ¥8,403,180 |
| 15 | 1.20% | ¥598,829 | ¥107,789,235 | ¥9,189,235 |
| 15 | 1.30% | ¥603,217 | ¥108,578,971 | ¥9,978,971 |
| 15 | 1.40% | ¥607,624 | ¥109,372,384 | ¥10,772,384 |
| 15 | 1.50% | ¥612,053 | ¥110,169,471 | ¥11,569,471 |
| 15 | 1.60% | ¥616,501 | ¥110,970,231 | ¥12,370,231 |
| 15 | 1.70% | ¥620,970 | ¥111,774,659 | ¥13,174,659 |
| 15 | 1.80% | ¥625,460 | ¥112,582,753 | ¥13,982,753 |
| 15 | 1.90% | ¥629,969 | ¥113,394,509 | ¥14,794,509 |
| 15 | 2.00% | ¥634,500 | ¥114,209,924 | ¥15,609,924 |
| 15 | 2.10% | ¥639,050 | ¥115,028,994 | ¥16,428,994 |
| 15 | 2.20% | ¥643,621 | ¥115,851,716 | ¥17,251,716 |
| 15 | 2.30% | ¥648,212 | ¥116,678,085 | ¥18,078,085 |
| 15 | 2.40% | ¥652,823 | ¥117,508,097 | ¥18,908,097 |
| 15 | 2.50% | ¥657,454 | ¥118,341,749 | ¥19,741,749 |
| 15 | 2.60% | ¥662,106 | ¥119,179,035 | ¥20,579,035 |
| 15 | 2.70% | ¥666,778 | ¥120,019,951 | ¥21,419,951 |
| 15 | 2.80% | ¥671,469 | ¥120,864,492 | ¥22,264,492 |
| 15 | 2.90% | ¥676,181 | ¥121,712,653 | ¥23,112,653 |
| 15 | 3.00% | ¥680,913 | ¥122,564,430 | ¥23,964,430 |
9860万円｜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% | ¥851,000 | ¥102,120,002 | ¥3,520,002 |
| 10 | 0.80% | ¥855,245 | ¥102,629,427 | ¥4,029,427 |
| 10 | 0.90% | ¥859,504 | ¥103,140,491 | ¥4,540,491 |
| 10 | 1.00% | ¥863,777 | ¥103,653,196 | ¥5,053,196 |
| 10 | 1.10% | ¥868,063 | ¥104,167,541 | ¥5,567,541 |
| 10 | 1.20% | ¥872,363 | ¥104,683,524 | ¥6,083,524 |
| 10 | 1.30% | ¥876,676 | ¥105,201,146 | ¥6,601,146 |
| 10 | 1.40% | ¥881,003 | ¥105,720,406 | ¥7,120,406 |
| 10 | 1.50% | ¥885,344 | ¥106,241,303 | ¥7,641,303 |
| 10 | 1.60% | ¥889,699 | ¥106,763,836 | ¥8,163,836 |
| 10 | 1.70% | ¥894,067 | ¥107,288,005 | ¥8,688,005 |
| 10 | 1.80% | ¥898,448 | ¥107,813,809 | ¥9,213,809 |
| 10 | 1.90% | ¥902,844 | ¥108,341,247 | ¥9,741,247 |
| 10 | 2.00% | ¥907,253 | ¥108,870,319 | ¥10,270,319 |
| 10 | 2.10% | ¥911,675 | ¥109,401,023 | ¥10,801,023 |
| 10 | 2.20% | ¥916,111 | ¥109,933,359 | ¥11,333,359 |
| 10 | 2.30% | ¥920,561 | ¥110,467,326 | ¥11,867,326 |
| 10 | 2.40% | ¥925,024 | ¥111,002,922 | ¥12,402,922 |
| 10 | 2.50% | ¥929,501 | ¥111,540,148 | ¥12,940,148 |
| 10 | 2.60% | ¥933,992 | ¥112,079,001 | ¥13,479,001 |
| 10 | 2.70% | ¥938,496 | ¥112,619,482 | ¥14,019,482 |
| 10 | 2.80% | ¥943,013 | ¥113,161,588 | ¥14,561,588 |
| 10 | 2.90% | ¥947,544 | ¥113,705,319 | ¥15,105,319 |
| 10 | 3.00% | ¥952,089 | ¥114,250,673 | ¥15,650,673 |
