4年でローンを15年短縮し、800万円残高を減らしました。現在、長期固定のSBI住宅ローンに借換し、繰上げ返済で更に残高を減らしています。
2007. 1. 27に100万円を繰上げ返済しました。ローンの残高は結果下のように、なりました。最終ローンの返済月は14ヶ月短縮し
当初の借り入れ額が30,550,000円で、現在の残高が19,976,732円ということで、4年6ヶ月で10,573,268円の返済が完了しました。
まだまだ、先は長いですがこの調子で頑張ります! まだ、変動金利の方は長期固定ローンへの借換えをお勧めします。
|
|
変更前
|
変更後
|
|
年利率
|
2.450
%
|
2.450
%
|
|
融資元本残高
|
21,028,449
円
|
20,028,449
円
|
|
(内毎月分)
|
14,374,302
円
|
13,674,302
円
|
|
(内ボーナス分)
|
6,654,147
円
|
6,354,147
円
|
|
毎月分返済額
|
79,635
円
|
79,635
円
|
|
ボーナス分返済額
|
222,410
円
|
222,410
円
|
|
返済最終期限
|
2025/11
|
2024/09
|
|
備 考
|
融資実行日
|
2006/02/27
|
|
返済条件変更日
|
2007/01/27
|
|
変更理由
|
一部繰上返済
|
|
ご返済日
|
ご返済額
|
ご返済額内訳
|
残高
|
未収利息
|
|
元金
|
利息
|
|
当月回収
|
当月残高
|
|
2007/02/27
|
79,635
|
51,717
|
27,918
|
|
19,976,732
|
0
|
0
|
|
2007/03/27
|
79,635
|
51,823
|
27,812
|
|
19,924,909
|
0
|
0
|
|
2007/04/27
|
79,635
|
51,929
|
27,706
|
|
19,872,980
|
0
|
0
|
|
2007/05/27
|
79,635
|
52,035
|
27,600
|
|
19,820,945
|
0
|
0
|
|
2007/06/27
|
79,635
|
52,141
|
27,494
|
|
19,768,804
|
0
|
0
|
|
2007/07/27
|
302,045
|
196,819
|
105,226
|
|
19,571,985
|
0
|
0
|
|
内ボーナス分
|
222,410
|
144,572
|
77,838
|
|
6,209,575
|
0
|
0
|
|
2007/08/27
|
79,635
|
52,354
|
27,281
|
|
19,519,631
|
0
|
0
|
|
2007/09/27
|
79,635
|
52,461
|
27,174
|
|
19,467,170
|
0
|
0
|
|
2007/10/27
|
79,635
|
52,568
|
27,067
|
|
19,414,602
|
0
|
0
|
|
2007/11/27
|
79,635
|
52,675
|
26,960
|
|
19,361,927
|
0
|
0
|
|
2007/12/27
|
79,635
|
52,783
|
26,852
|
|
19,309,144
|
0
|
0
|
|
2008/01/27
|
302,045
|
199,234
|
102,811
|
|
19,109,910
|
0
|
0
|
|
内ボーナス分
|
222,410
|
146,343
|
76,067
|
|
6,063,232
|
0
|
0
|
|
2008/02/27
|
79,635
|
52,999
|
26,636
|
|
19,056,911
|
0
|
0
|
|
2008/03/27
|
79,635
|
53,107
|
26,528
|
|
19,003,804
|
0
|
0
|
|
2008/04/27
|
79,635
|
53,215
|
26,420
|
|
18,950,589
|
0
|
0
|
|
2008/05/27
|
79,635
|
53,324
|
26,311
|
|
18,897,265
|
0
|
0
|
|
2008/06/27
|
79,635
|
53,433
|
26,202
|
|
18,843,832
|
0
|
0
|
|
2008/07/27
|
302,045
|
201,678
|
100,367
|
|
18,642,154
|
0
|
0
|
|
内ボーナス分
|
222,410
|
148,136
|
74,274
|
|
5,915,096
|
0
|
0
|
|
2008/08/27
|
79,635
|
53,651
|
25,984
|
|
18,588,503
|
0
|
0
|
|
2008/09/27
|
79,635
|
53,761
|
25,874
|
|
18,534,742
|
0
|
0
|
|
2008/10/27
|
79,635
|
53,870
|
25,765
|
|
18,480,872
|
0
|
0
|
|
2008/11/27
|
79,635
|
53,980
|
25,655
|
|
18,426,892
|
0
|
0
|
|
2008/12/27
|
79,635
|
54,091
|
25,544
|
|
18,372,801
|
0
|
0
|
|
2009/01/27
|
302,045
|
204,152
|
97,893
|
|
18,168,649
|
0
|
0
|
|
内ボーナス分
|
222,410
|
149,951
|
72,459
|
|
5,765,145
|
0
|
0
|
|
2009/02/27
|
79,635
|
54,312
|
25,323
|
|
18,114,337
|
0
|
0
|
|
2009/03/27
|
79,635
|
54,423
|
25,212
|
|
18,059,914
|
0
|
0
|
|
2009/04/27
|
79,635
|
54,534
|
25,101
|
|
18,005,380
|
0
|
0
|
|
2009/05/27
|
79,635
|
54,645
|
24,990
|
|
17,950,735
|
0
|
0
|
|
2009/06/27
|
79,635
|
54,757
|
24,878
|
|
17,895,978
|
0
|
0
|
|
2009/07/27
|
302,045
|
206,655
|
95,390
|
|
17,689,323
|
0
|
0
|
|
内ボーナス分
|
222,410
|
151,787
|
70,623
|
|
5,613,358
|
0
|
0
|
|
2009/08/27
|
79,635
|
54,980
|
24,655
|
|
17,634,343
|
0
|
0
|
|
2009/09/27
|
79,635
|
55,093
|
24,542
|
|
17,579,250
|
0
|
0
|
|
2009/10/27
|
79,635
|
55,205
|
24,430
|
|
17,524,045
|
0
|
0
|
|
2009/11/27
|
79,635
|
55,318
|
24,317
|
|
17,468,727
|
0
|
0
|
|
2009/12/27
|
79,635
|
55,431
|
24,204
|
|
17,413,296
|
0
|
0
|
|
2010/01/27
|
302,045
|
209,191
|
92,854
|
|
17,204,105
|
0
|
0
|
|
内ボーナス分
|
222,410
|
153,647
|
68,763
|
|
5,459,711
|
0
|
0
|
|
2010/02/27
|
79,635
|
55,657
|
23,978
|
|
17,148,448
|
0
|
0
|
|
2010/03/27
|
79,635
|
55,771
|
23,864
|
|
17,092,677
|
0
|
0
|
|
2010/04/27
|
79,635
|
55,885
|
23,750
|
|
17,036,792
|
0
|
0
|
|
2010/05/27
|
79,635
|
55,999
|
23,636
|
|
16,980,793
|
0
|
0
|
|
2010/06/27
|
79,635
|
56,113
|
23,522
|
|
16,924,680
|
0
|
0
|
|
2010/07/27
|
302,045
|
211,757
|
90,288
|
|
16,712,923
|
0
|
0
|
|
内ボーナス分
|
222,410
|
155,529
|
66,881
|
|
5,304,182
|
0
|
0
|
|
2010/08/27
|
79,635
|
56,343
|
23,292
|
|
16,656,580
|
0
|
0
|
|
2010/09/27
|
79,635
|
56,458
|
23,177
|
|
16,600,122
|
0
|
0
|
|
2010/10/27
|
79,635
|
56,573
|
23,062
|
|
16,543,549
|
0
|
0
|
|
2010/11/27
|
79,635
|
56,688
|
22,947
|
|
16,486,861
|
0
|
0
|
|
2010/12/27
|
79,635
|
56,804
|
22,831
|
|
16,430,057
|
0
|
0
|
|
2011/01/27
|
302,045
|
214,354
|
87,691
|
|
16,215,703
|
0
|
0
|
|
内ボーナス分
|
222,410
|
157,434
|
64,976
|
|
5,146,748
|
0
|
0
|
|
2011/02/27
|
79,635
|
57,036
|
22,599
|
|
16,158,667
|
0
|
0
|
|
2011/03/27
|
79,635
|
57,153
|
22,482
|
|
16,101,514
|
0
|
0
|
|
2011/04/27
|
79,635
|
57,270
|
22,365
|
|
16,044,244
|
0
|
0
|
|
2011/05/27
|
79,635
|
57,386
|
22,249
|
|
15,986,858
|
0
|
0
|
|
2011/06/27
|
79,635
|
57,504
|
22,131
|
|
15,929,354
|
0
|
0
|
|
2011/07/27
|
302,045
|
216,984
|
85,061
|
|
15,712,370
|
0
|
0
|
|
内ボーナス分
|
222,410
|
159,363
|
63,047
|
|
4,987,385
|
0
|
0
|
|
2011/08/27
|
79,635
|
57,739
|
21,896
|
|
15,654,631
|
0
|
0
|
|
2011/09/27
|
79,635
|
57,857
|
21,778
|
|
15,596,774
|
0
|
0
|
|
2011/10/27
|
79,635
|
57,975
|
21,660
|
|
15,538,799
|
0
|
0
|
|
2011/11/27
|
79,635
|
58,093
|
21,542
|
|
15,480,706
|
0
|
0
|
|
2011/12/27
|
79,635
|
58,212
|
21,423
|
|
15,422,494
|
0
|
0
|
|
2012/01/27
|
302,045
|
219,645
|
82,400
|
|
15,202,849
|
0
|
0
|
|
内ボーナス分
|
222,410
|
161,315
|
61,095
|
|
4,826,070
|
0
|
0
|
|
2012/02/27
|
79,635
|
58,450
|
21,185
|
|
15,144,399
|
0
|
0
|
|
2012/03/27
|
79,635
|
58,569
|
21,066
|
|
15,085,830
|
0
|
0
|
|
2012/04/27
|
79,635
|
58,688
|
20,947
|
|
15,027,142
|
0
|
0
|
|
2012/05/27
|
79,635
|
58,808
|
20,827
|
|
14,968,334
|
0
|
0
|
|
2012/06/27
|
79,635
|
58,928
|
20,707
|
|
14,909,406
|
0
|
0
|
|
2012/07/27
|
302,045
|
222,340
|
79,705
|
|
14,687,066
|
0
|
0
|
|
内ボーナス分
|
222,410
|
163,291
|
59,119
|
|
4,662,779
|
0
|
0
|
|
2012/08/27
|
79,635
|
59,169
|
20,466
|
|
14,627,897
|
0
|
0
|
|
2012/09/27
|
79,635
|
59,290
|
20,345
|
|
14,568,607
|
0
|
0
|
|
2012/10/27
|
79,635
|
59,411
|
20,224
|
|
14,509,196
|
0
|
0
|
|
2012/11/27
|
79,635
|
59,532
|
20,103
|
|
14,449,664
|
0
|
0
|
|
2012/12/27
|
79,635
|
59,654
|
19,981
|
|
14,390,010
|
0
|
0
|
|
2013/01/27
|
302,045
|
225,067
|
76,978
|
|
14,164,943
|
0
|
0
|
|
内ボーナス分
|
222,410
|
165,291
|
57,119
|
|
4,497,488
|
0
|
0
|
|
2013/02/27
|
79,635
|
59,898
|
19,737
|
|
14,105,045
|
0
|
0
|
|
2013/03/27
|
79,635
|
60,020
|
19,615
|
|
14,045,025
|
0
|
0
|
|
2013/04/27
|
79,635
|
60,143
|
19,492
|
|
13,984,882
|
0
|
0
|
|
2013/05/27
|
79,635
|
60,265
|
19,370
|
|
13,924,617
|
0
|
0
|
|
2013/06/27
|
79,635
|
60,388
|
19,247
|
|
13,864,229
|
0
|
0
|
|
2013/07/27
|
302,045
|
227,828
|
74,217
|
|
13,636,401
|
0
|
0
|
|
内ボーナス分
|
222,410
|
167,316
|
55,094
|
|
4,330,172
|
0
|
0
|
|
2013/08/27
|
79,635
|
60,635
|
19,000
|
|
13,575,766
|
0
|
0
|
|
2013/09/27
|
79,635
|
60,759
|
18,876
|
|
13,515,007
|
0
|
0
|
|
2013/10/27
|
79,635
|
60,883
|
18,752
|
|
13,454,124
|
0
|
0
|
|
2013/11/27
|
79,635
|
61,007
|
18,628
|
|
13,393,117
|
0
|
0
|
|
2013/12/27
|
79,635
|
61,132
|
18,503
|
|
13,331,985
|
0
|
0
|
|
2014/01/27
|
302,045
|
230,623
|
71,422
|
|
13,101,362
|
0
|
0
|
|
内ボーナス分
|
222,410
|
169,366
|
53,044
|
|
4,160,806
|
0
|
0
|
|
2014/02/27
|
79,635
|
61,382
|
18,253
|
|
13,039,980
|
0
|
0
|
|
2014/03/27
|
79,635
|
61,507
|
18,128
|
|
12,978,473
|
0
|
0
|
|
2014/04/27
|
79,635
|
61,633
|
18,002
|
|
12,916,840
|
0
|
0
|
|
2014/05/27
|
79,635
|
61,759
|
17,876
|
|
12,855,081
|
0
|
0
|
|
2014/06/27
|
79,635
|
61,885
|
17,750
|
|
12,793,196
|
0
|
0
|
|
2014/07/27
|
302,045
|
233,452
|
68,593
|
|
12,559,744
|
0
|
0
|
|
内ボーナス分
|
222,410
|
171,441
|
50,969
|
|
3,989,365
|
0
|
0
|
|
2014/08/27
|
79,635
|
62,138
|
17,497
|
|
12,497,606
|
0
|
0
|
|
2014/09/27
|
79,635
|
62,265
|
17,370
|
|
12,435,341
|
0
|
0
|
|
2014/10/27
|
79,635
|
62,392
|
17,243
|
|
12,372,949
|
0
|
0
|
|
2014/11/27
|
79,635
|
62,519
|
17,116
|
|
12,310,430
|
0
|
0
|
|
2014/12/27
|
79,635
|
62,647
|
16,988
|
|
12,247,783
|
0
|
0
|
|
2015/01/27
|
302,045
|
236,316
|
65,729
|
|
12,011,467
|
0
|
0
|
|
内ボーナス分
|
222,410
|
173,541
|
48,869
|
|
3,815,824
|
0
|
0
|
|
2015/02/27
|
79,635
|
62,903
|
16,732
|
|
11,948,564
|
0
|
0
|
|
2015/03/27
|
79,635
|
63,031
|
16,604
|
|
11,885,533
|
0
|
0
|
|
2015/04/27
|
79,635
|
63,160
|
16,475
|
|
11,822,373
|
0
|
0
|
|
2015/05/27
|
79,635
|
63,289
|
16,346
|
|
11,759,084
|
0
|
0
|
|
2015/06/27
|
79,635
|
63,418
|
16,217
|
|
11,695,666
|
0
|
0
|
|
2015/07/27
|
302,045
|
239,214
|
62,831
|
|
11,456,452
|
0
|
0
|
|
内ボーナス分
|
222,410
|
175,667
|
46,743
|
|
3,640,157
|
0
|
0
|
|
2015/08/27
|
79,635
|
63,677
|
15,958
|
|
11,392,775
|
0
|
0
|
|
2015/09/27
|
79,635
|
63,807
|
15,828
|
|
11,328,968
|
0
|
0
|
|
2015/10/27
|
79,635
|
63,938
|
15,697
|
|
11,265,030
|
0
|
0
|
|
2015/11/27
|
79,635
|
64,068
|
15,567
|
|
11,200,962
|
0
|
0
|
|
2015/12/27
|
79,635
|
64,199
|
15,436
|
|
11,136,763
|
0
|
0
|
|
2016/01/27
|
302,045
|
242,149
|
59,896
|
|
10,894,614
|
0
|
0
|
|
内ボーナス分
|
222,410
|
177,819
|
44,591
|
|
3,462,338
|
0
|
0
|
|
2016/02/27
|
79,635
|
64,461
|
15,174
|
|
10,830,153
|
0
|
0
|
|
2016/03/27
|
79,635
|
64,593
|
15,042
|
|
10,765,560
|
0
|
0
|
|
2016/04/27
|
79,635
|
64,725
|
14,910
|
|
10,700,835
|
0
|
0
|
|
2016/05/27
|
79,635
|
64,857
|
14,778
|
|
10,635,978
|
0
|
0
|
|
2016/06/27
|
79,635
|
64,989
|
14,646
|
|
10,570,989
|
0
|
0
|
|
2016/07/27
|
302,045
|
245,119
|
56,926
|
|
10,325,870
|
0
|
0
|
|
内ボーナス分
|
222,410
|
179,997
|
42,413
|
|
3,282,341
|
0
|
0
|
|
2016/08/27
|
79,635
|
65,255
|
14,380
|
|
10,260,615
|
0
|
0
|
|
2016/09/27
|
79,635
|
65,388
|
14,247
|
|
10,195,227
|
0
|
0
|
|
2016/10/27
|
79,635
|
65,522
|
14,113
|
|
10,129,705
|
0
|
0
|
|
2016/11/27
|
79,635
|
65,655
|
13,980
|
|
10,064,050
|
0
|
0
|
|
2016/12/27
|
79,635
|
65,790
|
13,845
|
|
9,998,260
|
0
|
0
|
|
2017/01/27
|
302,045
|
248,126
|
53,919
|
|
9,750,134
|
0
|
0
|
|
内ボーナス分
|
222,410
|
182,202
|
40,208
|
|
3,100,139
|
0
|
0
|
|
2017/02/27
|
79,635
|
66,058
|
13,577
|
|
9,684,076
|
0
|
0
|
|
2017/03/27
|
79,635
|
66,193
|
13,442
|
|
9,617,883
|
0
|
0
|
|
2017/04/27
|
79,635
|
66,328
|
13,307
|
|
9,551,555
|
0
|
0
|
|
2017/05/27
|
79,635
|
66,464
|
13,171
|
|
9,485,091
|
0
|
0
|
|
2017/06/27
|
79,635
|
66,600
|
13,035
|
|
9,418,491
|
0
|
0
|
|
2017/07/27
|
302,045
|
251,170
|
50,875
|
|
9,167,321
|
0
|
0
|
|
内ボーナス分
|
222,410
|
184,434
|
37,976
|
|
2,915,705
|
0
|
0
|
|
2017/08/27
|
79,635
|
66,872
|
12,763
|
|
9,100,449
|
0
|
0
|
|
2017/09/27
|
79,635
|
67,008
|
12,627
|
|
9,033,441
|
0
|
0
|
|
2017/10/27
|
79,635
|
67,145
|
12,490
|
|
8,966,296
|
0
|
0
|
|
2017/11/27
|
79,635
|
67,282
|
12,353
|
|
8,899,014
|
0
|
0
|
|
2017/12/27
|
79,635
|
67,420
|
12,215
|
|
8,831,594
|
0
|
0
|
|
2018/01/27
|
302,045
|
254,250
|
47,795
|
|
8,577,344
|
0
|
0
|
|
内ボーナス分
|
222,410
|
186,693
|
35,717
|
|
2,729,012
|
0
|
0
|
|
2018/02/27
|
79,635
|
67,695
|
11,940
|
|
8,509,649
|
0
|
0
|
|
2018/03/27
|
79,635
|
67,833
|
11,802
|
|
8,441,816
|
0
|
0
|
|
2018/04/27
|
79,635
|
67,972
|
11,663
|
|
8,373,844
|
0
|
0
|
|
2018/05/27
|
79,635
|
68,111
|
11,524
|
|
8,305,733
|
0
|
0
|
|
2018/06/27
|
79,635
|
68,250
|
11,385
|
|
8,237,483
|
0
|
0
|
|
2018/07/27
|
302,045
|
257,369
|
44,676
|
|
7,980,114
|
0
|
0
|
|
内ボーナス分
|
222,410
|
188,980
|
33,430
|
|
2,540,032
|
0
|
0
|
|
2018/08/27
|
79,635
|
68,529
|
11,106
|
|
7,911,585
|
0
|
0
|
|
2018/09/27
|
79,635
|
68,669
|
10,966
|
|
7,842,916
|
0
|
0
|
|
2018/10/27
|
79,635
|
68,809
|
10,826
|
|
7,774,107
|
0
|
|