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 0
2018/11/27 79,635 68,949 10,686 7,705,158 0 0
2018/12/27 79,635 69,090 10,545 7,636,068 0 0
2019/01/27 302,045 260,526 41,519 7,375,542 0 0
内ボーナス分 222,410 191,295 31,115 2,348,737 0 0
2019/02/27 79,635 69,372 10,263 7,306,170 0 0
2019/03/27 79,635 69,514 10,121 7,236,656 0 0
2019/04/27 79,635 69,656 9,979 7,167,000 0 0
2019/05/27 79,635 69,798 9,837 7,097,202 0 0
2019/06/27 79,635 69,941 9,694 7,027,261 0 0
2019/07/27 302,045 263,722 38,323 6,763,539 0 0
内ボーナス分 222,410 193,638 28,772 2,155,099 0 0
2019/08/27 79,635 70,227 9,408 6,693,312 0 0
2019/09/27 79,635 70,370 9,265 6,622,942 0 0
2019/10/27 79,635 70,514 9,121 6,552,428 0 0
2019/11/27 79,635 70,658 8,977 6,481,770 0 0
2019/12/27 79,635 70,802 8,833 6,410,968 0 0
2020/01/27 302,045 266,957 35,088 6,144,011 0 0
内ボーナス分 222,410 196,011 26,399 1,959,088 0 0
2020/02/27 79,635 71,091 8,544 6,072,920 0 0
2020/03/27 79,635 71,236 8,399 6,001,684 0 0
2020/04/27 79,635 71,382 8,253 5,930,302 0 0
2020/05/27 79,635 71,528 8,107 5,858,774 0 0
2020/06/27 79,635 71,674 7,961 5,787,100 0 0
2020/07/27 302,045 270,232 31,813 5,516,868 0 0
内ボーナス分 222,410 198,412 23,998 1,760,676 0 0
2020/08/27 79,635 71,967 7,668 5,444,901 0 0
2020/09/27 79,635 72,114 7,521 5,372,787 0 0
2020/10/27 79,635 72,261 7,374 5,300,526 0 0
2020/11/27 79,635 72,408 7,227 5,228,118 0 0
2020/12/27 79,635 72,556 7,079 5,155,562 0 0
2021/01/27 302,045 273,546 28,499 4,882,016 0 0
内ボーナス分 222,410 200,842 21,568 1,559,834 0 0
2021/02/27 79,635 72,853 6,782 4,809,163 0 0
2021/03/27 79,635 73,001 6,634 4,736,162 0 0
2021/04/27 79,635 73,150 6,485 4,663,012 0 0
2021/05/27 79,635 73,300 6,335 4,589,712 0 0
2021/06/27 79,635 73,449 6,186 4,516,263 0 0
2021/07/27 302,045 276,902 25,143 4,239,361 0 0
内ボーナス分 222,410 203,303 19,107 1,356,531 0 0
2021/08/27 79,635 73,750 5,885 4,165,611 0 0
2021/09/27 79,635 73,900 5,735 4,091,711 0 0
2021/10/27 79,635 74,051 5,584 4,017,660 0 0
2021/11/27 79,635 74,202 5,433 3,943,458 0 0
2021/12/27 79,635 74,354 5,281 3,869,104 0 0
2022/01/27 302,045 280,299 21,746 3,588,805 0 0
内ボーナス分 222,410 205,793 16,617 1,150,738 0 0
2022/02/27 79,635 74,658 4,977 3,514,147 0 0
2022/03/27 79,635 74,810 4,825 3,439,337 0 0
2022/04/27 79,635 74,963 4,672 3,364,374 0 0
2022/05/27 79,635 75,116 4,519 3,289,258 0 0
2022/06/27 79,635 75,269 4,366 3,213,989 0 0
2022/07/27 302,045 283,737 18,308 2,930,252 0 0
内ボーナス分 222,410 208,314 14,096 942,424 0 0
2022/08/27 79,635 75,577 4,058 2,854,675 0 0
2022/09/27 79,635 75,731 3,904 2,778,944 0 0
2022/10/27 79,635 75,886 3,749 2,703,058 0 0
2022/11/27 79,635 76,041 3,594 2,627,017 0 0
2022/12/27 79,635 76,196 3,439 2,550,821 0 0
2023/01/27 302,045 287,218 14,827 2,263,603 0 0
内ボーナス分 222,410 210,866 11,544 731,558 0 0
2023/02/27 79,635 76,508 3,127 2,187,095 0 0
2023/03/27 79,635 76,664 2,971 2,110,431 0 0
2023/04/27 79,635 76,820 2,815 2,033,611 0 0
2023/05/27 79,635 76,977 2,658 1,956,634 0 0
2023/06/27 79,635 77,134 2,501 1,879,500 0 0
2023/07/27 302,045 290,741 11,304 1,588,759 0 0
内ボーナス分 222,410 213,449 8,961 518,109 0 0
2023/08/27 79,635 77,450 2,185 1,511,309 0 0
2023/09/27 79,635 77,608 2,027 1,433,701 0 0
2023/10/27 79,635 77,766 1,869 1,355,935 0 0
2023/11/27 79,635 77,925 1,710 1,278,010 0 0
2023/12/27 79,635 78,084 1,551 1,199,926 0 0
2024/01/27 302,045 294,307 7,738 905,619 0 0
内ボーナス分 222,410 216,064 6,346 302,045 0 0
2024/02/27 79,635 78,403 1,232 827,216 0 0
2024/03/27 79,635 78,563 1,072 748,653 0 0
2024/04/27 79,635 78,724 911 669,929 0 0
2024/05/27 79,635 78,884 751 591,045 0 0
2024/06/27 79,635 79,045 590 512,000 0 0
2024/07/27 385,380 381,252 4,128 130,748 0 0
内ボーナス分 305,745 302,045 3,700 0 0 0
2024/08/27 79,635 79,369 266 51,379 0 0
2024/09/27 51,483 51,379 104 0 0 0

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