住宅ローン。毎月の返済金額がいつも気になるから表にした。

注文建築を計画しているので、内の奥さんと費用の話の最後には「毎月のローンの支払いはどれぐらいになるんやろう!?」というのが頻繁にあります。

ネットでシュミレーションをしてくれるサイトはたくさんありますが、シュミレーションを度々するのも面倒なので、融資金額と利率からどれぐらいの毎月の返済金額になるのか目安を表にしました。

賃貸で支払っている毎月の家賃と比べてどれぐらいの割合で支払っていけるかの参考になるかなと思います。

<SPONSORED LINK>

一応、元利均等の値の結果表になりますが、利率などは変動したりするのであくまでも参考までに見ておいてもらえればと思います。

あと、列の固定の方法がわからなくて表が見にくいですがご容赦ください。タブで年数を分けていて、表の右端のほうが切れているように見れますが、スライドすることで見ることができます。

年数別の住宅ローン支払い月額金額

35年で返済のケース30年で返済のケース25年で返済のケース20年で返済のケース15年で返済のケース10年で返済のケース
35 融資額
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
2.0% ¥132,505 ¥115,942 ¥99,379 ¥96,066 ¥92,754 ¥89,441 ¥86,128 ¥82,816 ¥66,253
1.9% ¥130,462 ¥114,154 ¥97,846 ¥94,585 ¥91,323 ¥88,062 ¥84,800 ¥81,538 ¥65,231
1.8% ¥128,437 ¥112,382 ¥96,327 ¥93,116 ¥89,906 ¥86,695 ¥83,484 ¥80,273 ¥64,218
1.7% ¥126,430 ¥110,626 ¥94,823 ¥91,662 ¥88,501 ¥85,340 ¥82,180 ¥79,019 ¥63,215
1.6% ¥124,443 ¥108,887 ¥93,332 ¥90,221 ¥87,110 ¥83,999 ¥80,888 ¥77,777 ¥62,221
1.5% ¥122,474 ¥107,165 ¥91,855 ¥88,793 ¥85,732 ¥82,670 ¥79,608 ¥76,546 ¥61,237
1.4% ¥120,524 ¥105,458 ¥90,393 ¥87,380 ¥84,367 ¥81,354 ¥78,341 ¥75,327 ¥60,262
1.3% ¥118,593 ¥103,769 ¥88,945 ¥85,980 ¥83,015 ¥80,050 ¥77,085 ¥74,121 ¥59,296
1.2% ¥116,681 ¥102,096 ¥87,511 ¥84,594 ¥81,677 ¥78,760 ¥75,843 ¥72,926 ¥58,340
1.1% ¥114,788 ¥100,440 ¥86,091 ¥83,221 ¥80,352 ¥77,482 ¥74,612 ¥71,743 ¥57,394
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
1.0% ¥112,914 ¥98,800 ¥84,686 ¥81,863 ¥79,040 ¥76,217 ¥73,394 ¥70,571 ¥56,457
0.9% ¥111,060 ¥97,177 ¥83,295 ¥80,518 ¥77,742 ¥74,965 ¥72,189 ¥69,412 ¥55,530
0.8% ¥109,224 ¥95,571 ¥81,918 ¥79,188 ¥76,457 ¥73,726 ¥70,996 ¥68,265 ¥54,612
0.7% ¥107,408 ¥93,982 ¥80,556 ¥77,871 ¥75,186 ¥72,501 ¥69,815 ¥67,130 ¥53,704
0.6% ¥105,612 ¥92,410 ¥79,209 ¥76,568 ¥73,928 ¥71,288 ¥68,648 ¥66,007 ¥52,806
0.5% ¥103,834 ¥90,855 ¥77,876 ¥75,280 ¥72,684 ¥70,088 ¥67,492 ¥64,896 ¥51,917
0.4% ¥102,076 ¥89,317 ¥76,557 ¥74,005 ¥71,453 ¥68,901 ¥66,349 ¥63,798 ¥51,038
0.3% ¥100,337 ¥87,795 ¥75,253 ¥72,745 ¥70,236 ¥67,728 ¥65,219 ¥62,711 ¥50,169
0.2% ¥98,618 ¥86,291 ¥73,964 ¥71,498 ¥69,033 ¥66,567 ¥64,102 ¥61,636 ¥49,309
0.1% ¥96,918 ¥84,804 ¥72,689 ¥70,266 ¥67,843 ¥65,420 ¥62,997 ¥60,574 ¥48,459
0.0% ¥95,238 ¥83,333 ¥71,429 ¥69,048 ¥66,667 ¥64,286 ¥61,905 ¥59,524 ¥47,619
30 融資額
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
2.0% ¥147,848 ¥129,367 ¥110,886 ¥107,190 ¥103,493 ¥99,797 ¥96,101 ¥92,405 ¥73,924
1.9% ¥145,856 ¥127,624 ¥109,392 ¥105,745 ¥102,099 ¥98,452 ¥94,806 ¥91,160 ¥72,928
1.8% ¥143,879 ¥125,894 ¥107,910 ¥104,313 ¥100,716 ¥97,119 ¥93,522 ¥89,925 ¥71,940
1.7% ¥141,919 ¥124,179 ¥106,440 ¥102,892 ¥99,344 ¥95,796 ¥92,248 ¥88,700 ¥70,960
1.6% ¥139,976 ¥122,479 ¥104,982 ¥101,482 ¥97,983 ¥94,484 ¥90,984 ¥87,485 ¥69,988
1.5% ¥138,048 ¥120,792 ¥103,536 ¥100,085 ¥96,634 ¥93,182 ¥89,731 ¥86,280 ¥69,024
1.4% ¥136,137 ¥119,120 ¥102,103 ¥98,699 ¥95,296 ¥91,892 ¥88,489 ¥85,086 ¥68,068
1.3% ¥134,242 ¥117,462 ¥100,681 ¥97,325 ¥93,969 ¥90,613 ¥87,257 ¥83,901 ¥67,121
1.2% ¥132,363 ¥115,818 ¥99,273 ¥95,964 ¥92,654 ¥89,345 ¥86,036 ¥82,727 ¥66,182
1.1% ¥130,501 ¥114,189 ¥97,876 ¥94,614 ¥91,351 ¥88,088 ¥84,826 ¥81,563 ¥65,251
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
1.0% ¥128,656 ¥112,574 ¥96,492 ¥93,275 ¥90,059 ¥86,843 ¥83,626 ¥80,410 ¥64,328
0.9% ¥126,827 ¥110,973 ¥95,120 ¥91,949 ¥88,779 ¥85,608 ¥82,437 ¥79,267 ¥63,413
0.8% ¥125,014 ¥109,387 ¥93,761 ¥90,635 ¥87,510 ¥84,385 ¥81,259 ¥78,134 ¥62,507
0.7% ¥123,218 ¥107,816 ¥92,414 ¥89,333 ¥86,253 ¥83,172 ¥80,092 ¥77,011 ¥61,609
0.6% ¥121,439 ¥106,259 ¥91,079 ¥88,043 ¥85,007 ¥81,971 ¥78,935 ¥75,899 ¥60,719
0.5% ¥119,676 ¥104,716 ¥89,757 ¥86,765 ¥83,773 ¥80,781 ¥77,789 ¥74,797 ¥59,838
0.4% ¥117,930 ¥103,188 ¥88,447 ¥85,499 ¥82,551 ¥79,602 ¥76,654 ¥73,706 ¥58,965
0.3% ¥116,200 ¥101,675 ¥87,150 ¥84,245 ¥81,340 ¥78,435 ¥75,530 ¥72,625 ¥58,100
0.2% ¥114,487 ¥100,176 ¥85,865 ¥83,003 ¥80,141 ¥77,279 ¥74,417 ¥71,554 ¥57,244
0.1% ¥112,791 ¥98,692 ¥84,593 ¥81,773 ¥78,954 ¥76,134 ¥73,314 ¥70,494 ¥56,395
0.0% ¥111,111 ¥97,222 ¥83,333 ¥80,556 ¥77,778 ¥75,000 ¥72,222 ¥69,444 ¥55,556
25 融資額
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
2.0% ¥169,542 ¥148,349 ¥127,156 ¥122,918 ¥118,679 ¥114,441 ¥110,202 ¥105,964 ¥84,771
1.9% ¥167,601 ¥146,651 ¥125,701 ¥121,511 ¥117,321 ¥113,131 ¥108,941 ¥104,751 ¥83,801
1.8% ¥165,674 ¥144,965 ¥124,256 ¥120,114 ¥115,972 ¥111,830 ¥107,688 ¥103,546 ¥82,837
1.7% ¥163,761 ¥143,291 ¥122,820 ¥118,726 ¥114,632 ¥110,538 ¥106,444 ¥102,350 ¥81,880
1.6% ¥161,861 ¥141,628 ¥121,396 ¥117,349 ¥113,303 ¥109,256 ¥105,209 ¥101,163 ¥80,930
1.5% ¥159,975 ¥139,978 ¥119,981 ¥115,982 ¥111,982 ¥107,983 ¥103,983 ¥99,984 ¥79,987
1.4% ¥158,102 ¥138,339 ¥118,576 ¥114,624 ¥110,671 ¥106,719 ¥102,766 ¥98,814 ¥79,051
1.3% ¥156,243 ¥136,713 ¥117,182 ¥113,276 ¥109,370 ¥105,464 ¥101,558 ¥97,652 ¥78,122
1.2% ¥154,398 ¥135,098 ¥115,798 ¥111,939 ¥108,079 ¥104,219 ¥100,359 ¥96,499 ¥77,199
1.1% ¥152,567 ¥133,496 ¥114,425 ¥110,611 ¥106,797 ¥102,982 ¥99,168 ¥95,354 ¥76,283
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
1.0% ¥150,749 ¥131,905 ¥113,062 ¥109,293 ¥105,524 ¥101,756 ¥97,987 ¥94,218 ¥75,374
0.9% ¥148,945 ¥130,327 ¥111,709 ¥107,985 ¥104,262 ¥100,538 ¥96,814 ¥93,091 ¥74,473
0.8% ¥147,155 ¥128,761 ¥110,366 ¥106,687 ¥103,009 ¥99,330 ¥95,651 ¥91,972 ¥73,578
0.7% ¥145,379 ¥127,207 ¥109,034 ¥105,400 ¥101,765 ¥98,131 ¥94,496 ¥90,862 ¥72,689
0.6% ¥143,617 ¥125,664 ¥107,712 ¥104,122 ¥100,532 ¥96,941 ¥93,351 ¥89,760 ¥71,808
0.5% ¥141,868 ¥124,134 ¥106,401 ¥102,854 ¥99,308 ¥95,761 ¥92,214 ¥88,667 ¥70,934
0.4% ¥140,133 ¥122,617 ¥105,100 ¥101,597 ¥98,093 ¥94,590 ¥91,087 ¥87,583 ¥70,067
0.3% ¥138,412 ¥121,111 ¥103,809 ¥100,349 ¥96,889 ¥93,428 ¥89,968 ¥86,508 ¥69,206
0.2% ¥136,706 ¥119,617 ¥102,529 ¥99,112 ¥95,694 ¥92,276 ¥88,859 ¥85,441 ¥68,353
0.1% ¥135,012 ¥118,136 ¥101,259 ¥97,884 ¥94,509 ¥91,133 ¥87,758 ¥84,383 ¥67,506
0.0% ¥133,333 ¥116,667 ¥100,000 ¥96,667 ¥93,333 ¥90,000 ¥86,667 ¥83,333 ¥66,667
20 融資額
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
2.0% ¥202,353 ¥177,059 ¥151,765 ¥146,706 ¥141,647 ¥136,589 ¥131,530 ¥126,471 ¥101,177
1.9% ¥200,464 ¥175,406 ¥150,348 ¥145,337 ¥140,325 ¥135,313 ¥130,302 ¥125,290 ¥100,232
1.8% ¥198,586 ¥173,763 ¥148,940 ¥143,975 ¥139,010 ¥134,046 ¥129,081 ¥124,117 ¥99,293
1.7% ¥196,719 ¥172,129 ¥147,540 ¥142,622 ¥137,704 ¥132,786 ¥127,868 ¥122,950 ¥98,360
1.6% ¥194,863 ¥170,505 ¥146,147 ¥141,276 ¥136,404 ¥131,533 ¥126,661 ¥121,790 ¥97,432
1.5% ¥193,018 ¥168,891 ¥144,764 ¥139,938 ¥135,113 ¥130,287 ¥125,462 ¥120,636 ¥96,509
1.4% ¥191,184 ¥167,286 ¥143,388 ¥138,608 ¥133,829 ¥129,049 ¥124,270 ¥119,490 ¥95,592
1.3% ¥189,361 ¥165,691 ¥142,021 ¥137,287 ¥132,553 ¥127,819 ¥123,085 ¥118,351 ¥94,680
1.2% ¥187,549 ¥164,105 ¥140,662 ¥135,973 ¥131,284 ¥126,595 ¥121,907 ¥117,218 ¥93,774
1.1% ¥185,748 ¥162,529 ¥139,311 ¥134,667 ¥130,023 ¥125,380 ¥120,736 ¥116,092 ¥92,874
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
1.0% ¥183,958 ¥160,963 ¥137,968 ¥133,369 ¥128,770 ¥124,171 ¥119,573 ¥114,974 ¥91,979
0.9% ¥182,179 ¥159,406 ¥136,634 ¥132,080 ¥127,525 ¥122,971 ¥118,416 ¥113,862 ¥91,089
0.8% ¥180,411 ¥157,859 ¥135,308 ¥130,798 ¥126,288 ¥121,777 ¥117,267 ¥112,757 ¥90,205
0.7% ¥178,654 ¥156,322 ¥133,990 ¥129,524 ¥125,058 ¥120,591 ¥116,125 ¥111,659 ¥89,327
0.6% ¥176,908 ¥154,795 ¥132,681 ¥128,258 ¥123,836 ¥119,413 ¥114,990 ¥110,568 ¥88,454
0.5% ¥175,174 ¥153,277 ¥131,380 ¥127,001 ¥122,621 ¥118,242 ¥113,863 ¥109,483 ¥87,587
0.4% ¥173,450 ¥151,769 ¥130,087 ¥125,751 ¥121,415 ¥117,079 ¥112,742 ¥108,406 ¥86,725
0.3% ¥171,737 ¥150,270 ¥128,803 ¥124,510 ¥120,216 ¥115,923 ¥111,629 ¥107,336 ¥85,869
0.2% ¥170,036 ¥148,782 ¥127,527 ¥123,276 ¥119,025 ¥114,774 ¥110,523 ¥106,273 ¥85,018
0.1% ¥168,346 ¥147,303 ¥126,259 ¥122,051 ¥117,842 ¥113,633 ¥109,425 ¥105,216 ¥84,173
0.0% ¥166,667 ¥145,833 ¥125,000 ¥120,833 ¥116,667 ¥112,500 ¥108,333 ¥104,167 ¥83,333
15 融資額
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
2.0% ¥257,403 ¥225,228 ¥193,053 ¥186,618 ¥180,182 ¥173,747 ¥167,312 ¥160,877 ¥128,702
1.9% ¥255,566 ¥223,620 ¥191,674 ¥185,285 ¥178,896 ¥172,507 ¥166,118 ¥159,729 ¥127,783
1.8% ¥253,736 ¥222,019 ¥190,302 ¥183,959 ¥177,615 ¥171,272 ¥164,929 ¥158,585 ¥126,868
1.7% ¥251,915 ¥220,426 ¥188,936 ¥182,638 ¥176,340 ¥170,043 ¥163,745 ¥157,447 ¥125,957
1.6% ¥250,102 ¥218,839 ¥187,576 ¥181,324 ¥175,071 ¥168,819 ¥162,566 ¥156,314 ¥125,051
1.5% ¥248,297 ¥217,260 ¥186,223 ¥180,015 ¥173,808 ¥167,601 ¥161,393 ¥155,186 ¥124,149
1.4% ¥246,501 ¥215,688 ¥184,876 ¥178,713 ¥172,551 ¥166,388 ¥160,225 ¥154,063 ¥123,250
1.3% ¥244,713 ¥214,124 ¥183,534 ¥177,417 ¥171,299 ¥165,181 ¥159,063 ¥152,945 ¥122,356
1.2% ¥242,933 ¥212,566 ¥182,200 ¥176,126 ¥170,053 ¥163,980 ¥157,906 ¥151,833 ¥121,466
1.1% ¥241,161 ¥211,016 ¥180,871 ¥174,842 ¥168,813 ¥162,784 ¥156,755 ¥150,726 ¥120,581
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
1.0% ¥239,398 ¥209,473 ¥179,548 ¥173,563 ¥167,578 ¥161,594 ¥155,609 ¥149,624 ¥119,699
0.9% ¥237,643 ¥207,937 ¥178,232 ¥172,291 ¥166,350 ¥160,409 ¥154,468 ¥148,527 ¥118,821
0.8% ¥235,896 ¥206,409 ¥176,922 ¥171,025 ¥165,127 ¥159,230 ¥153,332 ¥147,435 ¥117,948
0.7% ¥234,158 ¥204,888 ¥175,618 ¥169,764 ¥163,910 ¥158,056 ¥152,203 ¥146,349 ¥117,079
0.6% ¥232,428 ¥203,374 ¥174,321 ¥168,510 ¥162,699 ¥156,889 ¥151,078 ¥145,267 ¥116,214
0.5% ¥230,706 ¥201,868 ¥173,029 ¥167,262 ¥161,494 ¥155,727 ¥149,959 ¥144,191 ¥115,353
0.4% ¥228,993 ¥200,369 ¥171,744 ¥166,020 ¥160,295 ¥154,570 ¥148,845 ¥143,120 ¥114,496
0.3% ¥227,287 ¥198,877 ¥170,466 ¥164,783 ¥159,101 ¥153,419 ¥147,737 ¥142,055 ¥113,644
0.2% ¥225,591 ¥197,392 ¥169,193 ¥163,553 ¥157,914 ¥152,274 ¥146,634 ¥140,994 ¥112,795
0.1% ¥223,902 ¥195,915 ¥167,927 ¥162,329 ¥156,732 ¥151,134 ¥145,537 ¥139,939 ¥111,951
0.0% ¥222,222 ¥194,444 ¥166,667 ¥161,111 ¥155,556 ¥150,000 ¥144,444 ¥138,889 ¥111,111
10 融資額
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
2.0% ¥368,054 ¥322,047 ¥276,040 ¥266,839 ¥257,638 ¥248,436 ¥239,235 ¥230,034 ¥184,027
1.9% ¥366,265 ¥320,482 ¥274,699 ¥265,542 ¥256,386 ¥247,229 ¥238,072 ¥228,916 ¥183,133
1.8% ¥364,482 ¥318,922 ¥273,362 ¥264,250 ¥255,137 ¥246,025 ¥236,913 ¥227,801 ¥182,241
1.7% ¥362,705 ¥317,366 ¥272,028 ¥262,961 ¥253,893 ¥244,826 ¥235,758 ¥226,690 ¥181,352
1.6% ¥360,933 ¥315,816 ¥270,699 ¥261,676 ¥252,653 ¥243,629 ¥234,606 ¥225,583 ¥180,466
1.5% ¥359,166 ¥314,270 ¥269,374 ¥260,395 ¥251,416 ¥242,437 ¥233,458 ¥224,479 ¥179,583
1.4% ¥357,405 ¥312,729 ¥268,054 ¥259,119 ¥250,184 ¥241,248 ¥232,313 ¥223,378 ¥178,703
1.3% ¥355,650 ¥311,193 ¥266,737 ¥257,846 ¥248,955 ¥240,063 ¥231,172 ¥222,281 ¥177,825
1.2% ¥353,900 ¥309,662 ¥265,425 ¥256,577 ¥247,730 ¥238,882 ¥230,035 ¥221,187 ¥176,950
1.1% ¥352,155 ¥308,136 ¥264,116 ¥255,313 ¥246,509 ¥237,705 ¥228,901 ¥220,097 ¥176,078
利率 ¥40,000,000 ¥35,000,000 ¥30,000,000 ¥29,000,000 ¥28,000,000 ¥27,000,000 ¥26,000,000 ¥25,000,000 ¥20,000,000
1.0% ¥350,416 ¥306,614 ¥262,812 ¥254,052 ¥245,292 ¥236,531 ¥227,771 ¥219,010 ¥175,208
0.9% ¥348,683 ¥305,098 ¥261,512 ¥252,795 ¥244,078 ¥235,361 ¥226,644 ¥217,927 ¥174,342
0.8% ¥346,955 ¥303,586 ¥260,217 ¥251,543 ¥242,869 ¥234,195 ¥225,521 ¥216,847 ¥173,478
0.7% ¥345,233 ¥302,079 ¥258,925 ¥250,294 ¥241,663 ¥233,032 ¥224,402 ¥215,771 ¥172,617
0.6% ¥343,517 ¥300,577 ¥257,637 ¥249,050 ¥240,462 ¥231,874 ¥223,286 ¥214,698 ¥171,758
0.5% ¥341,806 ¥299,080 ¥256,354 ¥247,809 ¥239,264 ¥230,719 ¥222,174 ¥213,628 ¥170,903
0.4% ¥340,100 ¥297,587 ¥255,075 ¥246,572 ¥238,070 ¥229,567 ¥221,065 ¥212,562 ¥170,050
0.3% ¥338,400 ¥296,100 ¥253,800 ¥245,340 ¥236,880 ¥228,420 ¥219,960 ¥211,500 ¥169,200
0.2% ¥336,706 ¥294,617 ¥252,529 ¥244,112 ¥235,694 ¥227,276 ¥218,859 ¥210,441 ¥168,353
0.1% ¥335,017 ¥293,140 ¥251,262 ¥242,887 ¥234,512 ¥226,136 ¥217,761 ¥209,385 ¥167,508
0.0% ¥333,333 ¥291,667 ¥250,000 ¥241,667 ¥233,333 ¥225,000 ¥216,667 ¥208,333 ¥166,667

ちなみに

返済額の金額はエクセルの関数の「=PMT(利率, 期間, 現在価値,将来価値, 支払期日)」を使えば簡単に算出することができます。

利率は年間になっているので月にするために、12で割り算したり、期間も年になっているので支払回数に調整するために12をかけたりすると算出結果が出ます。

以下のサイトあたりが参考になると思います。
PMT関数の使い方