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ローン返済額のからくり 

借りたお金が、ローンによって
どれだけの祖総返済額になるか計算してみました。
計算関係で、若干の差がありますが参考にしてください。

元利金等・ボーナス返済なし・記述した金利一定 で計算しています。
借りる金額 年数 金利
(万円) 1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
1000 10 10,774,980 11,041,614 11,312,388 11,587,289 11,866,304 12,149,417
15 11,173,374 11,583,157 12,002,206 12,430,470 12,867,886 13,314,383
20 11,581,090 12,141,200 12,717,669 13,310,342 13,919,033 14,543,528
25 11,998,090 12,715,630 13,458,502 14,226,339 15,018,707 15,835,105
30 12,424,328 13,306,301 14,224,352 15,177,745 16,165,609 17,186,951
35 12,859,746 13,913,036 15,014,799 16,163,708 17,358,207 18,596,539
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
1500 10 16,162,470 16,562,422 16,968,582 17,380,934 17,799,456 18,224,125
15 16,760,062 17,374,735 18,003,309 18,645,704 19,301,829 19,971,574
20 17,371,635 18,211,800 19,076,504 19,965,514 20,878,550 21,815,292
25 17,997,135 19,073,445 20,187,753 21,339,509 22,528,061 23,752,658
30 18,636,491 19,959,452 21,336,529 22,766,618 24,248,413 25,780,426
35 19,289,620 20,869,554 22,522,199 24,245,562 26,037,310 27,894,809
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
2000 10 21,549,960 22,083,229 22,624,776 23,174,579 23,732,608 24,298,833
15 22,346,749 23,166,313 24,004,412 24,860,939 25,735,771 26,628,765
20 23,162,180 24,282,400 25,435,339 26,620,685 27,838,066 29,087,056
25 23,996,180 25,431,260 26,917,004 28,452,679 30,037,414 31,670,210
30 24,848,655 26,612,602 28,448,705 30,355,490 32,331,218 34,373,901
35 25,719,493 27,826,073 30,029,598 32,327,416 34,716,413 37,193,078
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
2500 10 26,937,450 27,604,036 28,280,971 28,968,223 29,665,760 30,373,541
15 27,933,436 28,957,892 30,005,514 31,076,174 32,169,714 33,285,957
20 28,952,725 30,353,000 31,794,174 33,275,856 34,797,583 36,358,820
25 29,995,224 31,789,075 33,646,255 35,565,849 37,546,768 39,587,763
30 31,060,819 33,265,753 35,560,881 37,944,363 40,414,022 42,967,377
35 32,149,366 34,782,591 37,536,998 40,409,270 43,395,517 46,491,348
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
3000 10 32,324,940 33,124,843 33,937,165 34,761,868 35,598,912 36,448,250
15 33,520,123 34,749,470 36,006,617 37,291,409 38,603,657 39,943,148
20 34,743,269 36,423,600 38,153,008 39,931,027 41,757,100 43,630,584
25 35,994,269 38,146,890 40,375,506 42,679,018 45,056,121 47,505,316
30 37,272,983 39,918,903 42,673,057 45,533,236 48,496,826 51,560,852
35 38,579,239 41,739,109 45,044,397 48,491,124 52,074,620 55,789,617
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
3500 10 37,712,430 38,645,651 39,593,359 40,555,513 41,532,064 42,522,958
15 39,106,810 40,541,048 42,007,720 43,506,643 45,037,600 46,600,339
20 40,533,814 42,494,200 44,511,843 46,586,198 48,716,616 50,902,348
25 41,993,314 44,504,706 47,104,757 49,792,188 52,565,475 55,422,868
30 43,485,147 46,572,054 49,785,233 53,122,108 56,579,631 60,154,327
35 45,009,113 48,695,627 52,551,797 56,572,978 60,753,723 65,087,887
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
4000 10 43,099,920 44,166,458 45,249,553 46,349,157 47,465,216 48,597,666
15 44,693,497 46,332,626 48,008,823 49,721,878 51,471,543 53,257,531
20 46,324,359 48,564,800 50,870,678 53,241,369 55,676,133 58,174,112
25 47,992,359 50,862,521 53,834,008 56,905,358 60,074,828 63,340,421
30 49,697,310 53,225,204 56,897,409 60,710,981 64,662,435 68,747,803
35 51,438,986 55,652,145 60,059,196 64,654,832 69,432,827 74,386,156
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
4500 10 48,487,410 49,687,265 50,905,747 52,142,802 53,398,368 54,672,375
15 50,280,185 52,124,205 54,009,926 55,937,113 57,905,486 59,914,722
20 52,114,904 54,635,400 57,229,512 59,896,541 62,635,650 65,445,876
25 53,991,404 57,220,336 60,563,259 64,018,527 67,584,182 71,257,973
30 55,909,474 59,878,355 64,009,586 68,299,853 72,745,239 77,341,278
35 57,868,859 62,608,663 67,566,596 72,736,686 78,111,930 83,684,426
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
5000 10 53,874,900 55,208,072 56,561,941 57,936,447 59,331,520 60,747,083
15 55,866,872 57,915,783 60,011,029 62,152,348 64,339,429 66,571,913
20 57,905,449 60,706,000 63,588,347 66,551,712 69,595,166 72,717,640
25 59,990,449 63,578,151 67,292,510 71,131,697 75,093,536 79,175,526
30 62,121,638 66,531,505 71,121,762 75,888,726 80,828,044 85,934,753
35 64,298,732 69,565,182 75,073,995 80,818,540 86,791,033 92,982,696
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
5500 10 59,262,390 60,728,880 62,218,135 63,730,092 65,264,673 66,821,791
15 61,453,559 63,707,361 66,012,132 68,367,582 70,773,372 73,229,105
20 63,695,994 66,776,600 69,947,182 73,206,883 76,554,683 79,989,403
25 65,989,494 69,935,966 74,021,761 78,244,867 82,602,889 87,093,079
30 68,333,802 73,184,656 78,233,938 83,477,599 88,910,848 94,528,229
35 70,728,606 76,521,700 82,581,395 88,900,394 95,470,137 102,280,965
1.5% 2.0% 2.5% 3.0% 3.5% 4.0%
6000 10 64,649,880 66,249,687 67,874,329 69,523,736 71,197,825 72,896,499
15 67,040,246 69,498,940 72,013,235 74,582,817 77,207,314 79,886,296
20 69,486,539 72,847,200 76,306,017 79,862,054 83,514,199 87,261,167
25 71,988,539 76,293,781 80,751,012 85,358,036 90,112,243 95,010,631
30 74,545,965 79,837,806 85,346,114 91,066,471 96,993,653 103,121,704
35 77,158,479 83,478,218 90,088,794 96,982,248 104,149,240 111,579,235

すごいですね…すごい増えますね…。
金利と返済年数によってこれだけ変わるのかと、改めに身にしみました。
金利のみの表も作ってみました。
てっちゃんが、エクセルでマクロ(エクセルのプログラム)を作って
計算したのですが、夫婦でうんざりしてしまいました(--;
初めて知った時は、愕然とした私たちでした。




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