金利変化による返済金利表
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融資額100万円当たりの返済額を掲示してありますので、例えば1,200万円借りた場合は、ここに掲げられた金額の12倍となります。 詳しくは下部の計算例をご覧下さい。なお、この金利表は元利均等方式です。 |
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10年
|
15年
|
20年
|
25年
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30年
|
35年
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住宅金融公庫
ゆとり返済 |
年金住宅融資
ステップ返済 |
金利%
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
毎月
|
ボーナス
|
2.50 |
9,426 |
56,820 |
6,667 |
40,178 |
5,299 |
31,921 |
4,486 |
27,017 |
3,951 |
23,789 |
3,574 |
21,519 |
2,921 |
17,574 |
2,461 |
14,795 |
2.60 |
9,472 |
57,103 |
6,715 |
40,468 |
5,347 |
32,219 |
4,536 |
27,324 |
4,003 |
24,106 |
3,628 |
21,844 |
2,979 |
17,926 |
2,526 |
15,188 |
2.70 |
9,518 |
57,388 |
6,762 |
40,759 |
5,397 |
32,518 |
4,587 |
27,633 |
4,055 |
24,424 |
3,683 |
22,172 |
3,039 |
18,282 |
2,593 |
15,585 |
2.80 |
9,564 |
57,673 |
6,810 |
41,051 |
5,446 |
32,820 |
4,638 |
27,944 |
4,108 |
24,745 |
3,737 |
22,503 |
3,098 |
18,641 |
2,659 |
15,986 |
2.90 |
9,609 |
57,959 |
6,857 |
41,344 |
5,496 |
33,122 |
4,690 |
28,256 |
4,162 |
25,068 |
3,792 |
22,836 |
3,158 |
19,004 |
2,727 |
16,391 |
3.00 |
9,656 |
58,245 |
6,905 |
41,639 |
5,545 |
33,427 |
4,742 |
28,571 |
4,216 |
25,393 |
3,848 |
23,172 |
3,219 |
19,370 |
2,795 |
16,800 |
3.05 |
9,679 |
58,389 |
6,929 |
41,786 |
5,571 |
33,579 |
4,768 |
28,729 |
4,243 |
25,556 |
3,876 |
23,341 |
3,250 |
19,554 |
2,829 |
17,006 |
3.10 |
9,702 |
58,533 |
6,954 |
41,934 |
5,596 |
33,732 |
4,794 |
28,888 |
4,270 |
25,720 |
3,904 |
23,510 |
3,281 |
19,739 |
2,864 |
17,213 |
3.15 |
9,725 |
58,677 |
6,978 |
42,083 |
5,621 |
33,886 |
4,820 |
29,047 |
4,297 |
25,885 |
3,932 |
23,680 |
3,312 |
19,992 |
2,898 |
17,421 |
3.20 |
9,748 |
58,821 |
7,002 |
42,231 |
5,646 |
34,040 |
4,846 |
29,206 |
4,324 |
26,050 |
3,960 |
23,851 |
3,343 |
20,112 |
2,933 |
17,630 |
3.25 |
9,771 |
58,965 |
7,026 |
42,380 |
5,671 |
34,194 |
4,873 |
29,366 |
4,352 |
26,216 |
3,989 |
24,022 |
3,374 |
20,299 |
2,968 |
17,839 |
3.30 |
9,795 |
59,110 |
7,051 |
42,529 |
5,697 |
34,349 |
4,899 |
29,527 |
4,379 |
26,382 |
4,017 |
24,195 |
3,405 |
20,488 |
3,003 |
18,050 |
3.35 |
9,818 |
59,255 |
7,075 |
42,679 |
5,722 |
34,504 |
4,926 |
29,688 |
4,407 |
26,549 |
4,046 |
24,367 |
3,436 |
20,842 |
3,038 |
18,261 |
3.40 |
9,841 |
59,400 |
7,099 |
42,829 |
5,748 |
34,659 |
4,952 |
29,849 |
4,434 |
26,716 |
4,075 |
24,540 |
3,468 |
20,866 |
3,074 |
18,473 |
3.45
|
9,865 |
59,547 |
7,124 |
42,979 |
5,773 |
34,815 |
4,979 |
30,011 |
4,462 |
26,884 |
4,103 |
24,714 |
3,500 |
21,057 |
3,109 |
18,686
|
3.50
|
9,888
|
59,691
|
7,148
|
43,129
|
5,799
|
34,972
|
5,006
|
30,173
|
4,490
|
27,053
|
4,132
|
24,889
|
3,532
|
21,249
|
3,145
|
18,900
|
3.55
|
9,912
|
59,836
|
7,173
|
43,280
|
5,825
|
35,128
|
5,033
|
30,336
|
4,518
|
27,222
|
4,161
|
25,064
|
3,563
|
21,440
|
3,181
|
19,115
|
3.60
|
9,935
|
59,982
|
7,198
|
43,431
|
5,851
|
35,285
|
5,060
|
30,500
|
4,546
|
27,391
|
4,191
|
25,240
|
3,596
|
21,633
|
3,217
|
19,330
|
3.65
|
9,959
|
60,128
|
7,222
|
43,582
|
5,879
|
35,443
|
5,087
|
30,663
|
4,574
|
27,562
|
4,220
|
25,416
|
3,628
|
21,827
|
3,253
|
19,546
|
3.70
|
9,982
|
60,275
|
7,247
|
43,734
|
5,902
|
35,600
|
5,114
|
30,828
|
4,602
|
27,732
|
4,249
|
25,593
|
3,660
|
22,021
|
3,289
|
19,763
|
3.75
|
10,006
|
60,421
|
7,272
|
43,886
|
5,928
|
35,759
|
5,141
|
30,992
|
4,631
|
27,903
|
4,279
|
25,770
|
3,692
|
22,216
|
3,325
|
19,981
|
3.80
|
10,029
|
60,568
|
7,297
|
44,038
|
5,954
|
35,917
|
5,168
|
31,157
|
4,659
|
28,075
|
4,308
|
25,949
|
3,725
|
22,412
|
3,362
|
20,200
|
3.85
|
10,053
|
60,714
|
7,321
|
44,190
|
5,981
|
36,076
|
5,195
|
31,323
|
4,688
|
28,247
|
4,338
|
26,127
|
3,758
|
22,608
|
3,398
|
20,419
|
3.90
|
10,077
|
60,862
|
7,346
|
44,343
|
6,007
|
36,235
|
5,223
|
31,489
|
4,716
|
28,420
|
4,367
|
26,307
|
3,791
|
22,806
|
3,435
|
20,639
|
3.95
|
10,100
|
61,009
|
7,371
|
44,496
|
6,033
|
36,395
|
5,250
|
31,656
|
4,745
|
28,594
|
4,397
|
26,487
|
3,824
|
23,000
|
3,472
|
20,859
|
4.00
|
10,124
|
61,156
|
7,396
|
44,649
|
6,059
|
36,555
|
5,278
|
31,823
|
4,774
|
28,767
|
4,427
|
26,667
|
3,857
|
23,202
|
3,508
|
21,081
|
4.10
|
10,172
|
61,452
|
7,447
|
44,957
|
6,112
|
36,877
|
5,333
|
32,158
|
4,831
|
29,117
|
4,487
|
27,030
|
3,923
|
23,602
|
3,583
|
21,525
|
4.20
|
10,219
|
61,748
|
7,497
|
45,266
|
6,165
|
37,199
|
5,389
|
32,495
|
4,890
|
29,468
|
4,548
|
27,395
|
3,990
|
24,004
|
3,657
|
21,972
|
4.30
|
10,267
|
62,045
|
7,548
|
45,576
|
6,219
|
37,524
|
5,445
|
32,834
|
4,948
|
29,822
|
4,609
|
27,762
|
4,057
|
24,408
|
3,732
|
22,422
|
4.40
|
10,315
|
62,343
|
7,598
|
45,887
|
6,272
|
37,850
|
5,501
|
33,175
|
5,007
|
30,177
|
4,670
|
28,132
|
4,125
|
24,816
|
3,807
|
22,874
|
4.50
|
10,363
|
62,642
|
7,649
|
46,199
|
6,326
|
38,177
|
5,558
|
33,518
|
5,066
|
30,535
|
4,732
|
28,504
|
4,193
|
25,225
|
3,883
|
23,328
|
4.60
|
10,412
|
62,941
|
7,701
|
46,512
|
6,380
|
38,506
|
5,615
|
33,862
|
5,126
|
30,894
|
4,794
|
28,878
|
4,262
|
25,638
|
3,959
|
23,785
|
4.70
|
10,460
|
63,241
|
7,752
|
46,827
|
6,434
|
38,836
|
5,672
|
34,208
|
5,186
|
31,256
|
4,857
|
29,255
|
4,331
|
26,053
|
4,036
|
24,243
|
4.80
|
10,509
|
63,542
|
7,804
|
47,142
|
6,489
|
39,168
|
5,729
|
34,556
|
5,246
|
31,620
|
4,920
|
29,633
|
4,401
|
26,470
|
4,113
|
24,704
|
4.90
|
10,557
|
63,844
|
7,855
|
47,459
|
6,544
|
39,501
|
5,787
|
34,906
|
5,307
|
31,985
|
4,983
|
30,014
|
4,471
|
26,889
|
4,190
|
25,166
|
5.00
|
10,606
|
64,147
|
7,907
|
47,777
|
6,599
|
39,836
|
5,845
|
35,258
|
5,368
|
32,353
|
5,046
|
30,397
|
4,541
|
27,311
|
4,267
|
25,631
|
返済額計算例 ボーナス返済なし
借入金 2,500万円 |
金利2.50%の場合 |
期間10年として |
月返済のみとし、ボーナス返済なしとした場合 |
9,426円 (100万円当たり)×25= 235,650円(毎月返済額) |
月額返済 =235,650円
ボーナス返済=0 |
返済額計算例 ボーナス返済併用
借入金 2,500万円 |
金利2.50%の場合 |
期間10年として |
毎月分1,500万円 ボーナス分1,000万円とした場合 |
9,426円 (100万円当たり)×15= 141,390円(毎月返済額) |
56,820円 (100万円当たり)×10= 568,200円(ボーナス時) |
月額返済 =141,390円
ボーナス返済=568,200円 |
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