借入金額：3,000万円
金利：3.000％
借入期間：30年 (360回払)
返済総額：44,200,291円
支払利息総額：14,200,291円

月額返済額：126,481円
年間返済額（月額返済額×12）：1,517,772円

■繰上返済計算
◎第1回目の繰上返済
繰上返済年月： 借入開始から1年0ヶ月目（12/360回目）
繰上返済額：1,000,000円 (期間短縮型)
軽減 利息額：1,332,710円
短縮 返済回数：1年6ヶ月 (18回)

上記、合計1回の繰上返済を行ったので28年6ヶ月 (342回目) の返済で全額返済完了しました！

◎繰上返済計算のまとめ（累計）
繰上返済回数：1回
繰上返済額：1,000,000円

返済総額：45,533,001円⇒44,200,291円
支払利息総額：15,533,001円⇒14,200,291円
軽減 利息額：1,332,710円

借入期間：30年⇒28年6ヶ月 (360回払⇒342回払)
返済期間短縮回数：1年6ヶ月 (18回)

回数	返済月額	元金分	利息分	返済後残高	元金分(緑色) : 利息分(赤色) 繰上返済分(青色) 軽減利息額(黄色)
1	126,481	51,481	75,000	29,948,519
2	126,481	51,610	74,871	29,896,909
3	126,481	51,739	74,742	29,845,170
4	126,481	51,869	74,612	29,793,301
5	126,481	51,998	74,483	29,741,303
6	126,481	52,128	74,353	29,689,175
7	126,481	52,259	74,222	29,636,916
8	126,481	52,389	74,092	29,584,527
9	126,481	52,520	73,961	29,532,007
10	126,481	52,651	73,830	29,479,356
11	126,481	52,783	73,698	29,426,573
12	1,126,481	1,052,915	73,566	28,373,658	繰上返済額 1,000,000円 (期間短縮型) 軽減できる利息額 1,332,710円 短縮できる返済回数 1年6ヶ月 (18回)
13	126,481	55,547	70,934	28,318,111
14	126,481	55,686	70,795	28,262,425
15	126,481	55,825	70,656	28,206,600
16	126,481	55,965	70,516	28,150,635
17	126,481	56,105	70,376	28,094,530
18	126,481	56,245	70,236	28,038,285
19	126,481	56,386	70,095	27,981,899
20	126,481	56,527	69,954	27,925,372
21	126,481	56,668	69,813	27,868,704
22	126,481	56,810	69,671	27,811,894
23	126,481	56,952	69,529	27,754,942
24	126,481	57,094	69,387	27,697,848
25	126,481	57,237	69,244	27,640,611
26	126,481	57,380	69,101	27,583,231
27	126,481	57,523	68,958	27,525,708
28	126,481	57,667	68,814	27,468,041
29	126,481	57,811	68,670	27,410,230
30	126,481	57,956	68,525	27,352,274
31	126,481	58,101	68,380	27,294,173
32	126,481	58,246	68,235	27,235,927
33	126,481	58,392	68,089	27,177,535
34	126,481	58,538	67,943	27,118,997
35	126,481	58,684	67,797	27,060,313
36	126,481	58,831	67,650	27,001,482
37	126,481	58,978	67,503	26,942,504
38	126,481	59,125	67,356	26,883,379
39	126,481	59,273	67,208	26,824,106
40	126,481	59,421	67,060	26,764,685
41	126,481	59,570	66,911	26,705,115
42	126,481	59,719	66,762	26,645,396
43	126,481	59,868	66,613	26,585,528
44	126,481	60,018	66,463	26,525,510
45	126,481	60,168	66,313	26,465,342
46	126,481	60,318	66,163	26,405,024
47	126,481	60,469	66,012	26,344,555
48	126,481	60,620	65,861	26,283,935
49	126,481	60,772	65,709	26,223,163
50	126,481	60,924	65,557	26,162,239
51	126,481	61,076	65,405	26,101,163
52	126,481	61,229	65,252	26,039,934
53	126,481	61,382	65,099	25,978,552
54	126,481	61,535	64,946	25,917,017
55	126,481	61,689	64,792	25,855,328
56	126,481	61,843	64,638	25,793,485
57	126,481	61,998	64,483	25,731,487
58	126,481	62,153	64,328	25,669,334
59	126,481	62,308	64,173	25,607,026
60	126,481	62,464	64,017	25,544,562
61	126,481	62,620	63,861	25,481,942
62	126,481	62,777	63,704	25,419,165
63	126,481	62,934	63,547	25,356,231
64	126,481	63,091	63,390	25,293,140
65	126,481	63,249	63,232	25,229,891
66	126,481	63,407	63,074	25,166,484
67	126,481	63,565	62,916	25,102,919
68	126,481	63,724	62,757	25,039,195
69	126,481	63,884	62,597	24,975,311
70	126,481	64,043	62,438	24,911,268
71	126,481	64,203	62,278	24,847,065
72	126,481	64,364	62,117	24,782,701
73	126,481	64,525	61,956	24,718,176
74	126,481	64,686	61,795	24,653,490
75	126,481	64,848	61,633	24,588,642
76	126,481	65,010	61,471	24,523,632
77	126,481	65,172	61,309	24,458,460
78	126,481	65,335	61,146	24,393,125
79	126,481	65,499	60,982	24,327,626
80	126,481	65,662	60,819	24,261,964
81	126,481	65,827	60,654	24,196,137
82	126,481	65,991	60,490	24,130,146
83	126,481	66,156	60,325	24,063,990
84	126,481	66,322	60,159	23,997,668
85	126,481	66,487	59,994	23,931,181
86	126,481	66,654	59,827	23,864,527
87	126,481	66,820	59,661	23,797,707
88	126,481	66,987	59,494	23,730,720
89	126,481	67,155	59,326	23,663,565
90	126,481	67,323	59,158	23,596,242
91	126,481	67,491	58,990	23,528,751
92	126,481	67,660	58,821	23,461,091
93	126,481	67,829	58,652	23,393,262
94	126,481	67,998	58,483	23,325,264
95	126,481	68,168	58,313	23,257,096
96	126,481	68,339	58,142	23,188,757
97	126,481	68,510	57,971	23,120,247
98	126,481	68,681	57,800	23,051,566
99	126,481	68,853	57,628	22,982,713
100	126,481	69,025	57,456	22,913,688
101	126,481	69,197	57,284	22,844,491
102	126,481	69,370	57,111	22,775,121
103	126,481	69,544	56,937	22,705,577
104	126,481	69,718	56,763	22,635,859
105	126,481	69,892	56,589	22,565,967
106	126,481	70,067	56,414	22,495,900
107	126,481	70,242	56,239	22,425,658
108	126,481	70,417	56,064	22,355,241
109	126,481	70,593	55,888	22,284,648
110	126,481	70,770	55,711	22,213,878
111	126,481	70,947	55,534	22,142,931
112	126,481	71,124	55,357	22,071,807
113	126,481	71,302	55,179	22,000,505
114	126,481	71,480	55,001	21,929,025
115	126,481	71,659	54,822	21,857,366
116	126,481	71,838	54,643	21,785,528
117	126,481	72,018	54,463	21,713,510
118	126,481	72,198	54,283	21,641,312
119	126,481	72,378	54,103	21,568,934
120	126,481	72,559	53,922	21,496,375
121	126,481	72,741	53,740	21,423,634
122	126,481	72,922	53,559	21,350,712
123	126,481	73,105	53,376	21,277,607
124	126,481	73,287	53,194	21,204,320
125	126,481	73,471	53,010	21,130,849
126	126,481	73,654	52,827	21,057,195
127	126,481	73,839	52,642	20,983,356
128	126,481	74,023	52,458	20,909,333
129	126,481	74,208	52,273	20,835,125
130	126,481	74,394	52,087	20,760,731
131	126,481	74,580	51,901	20,686,151
132	126,481	74,766	51,715	20,611,385
133	126,481	74,953	51,528	20,536,432
134	126,481	75,140	51,341	20,461,292
135	126,481	75,328	51,153	20,385,964
136	126,481	75,517	50,964	20,310,447
137	126,481	75,705	50,776	20,234,742
138	126,481	75,895	50,586	20,158,847
139	126,481	76,084	50,397	20,082,763
140	126,481	76,275	50,206	20,006,488
141	126,481	76,465	50,016	19,930,023
142	126,481	76,656	49,825	19,853,367
143	126,481	76,848	49,633	19,776,519
144	126,481	77,040	49,441	19,699,479
145	126,481	77,233	49,248	19,622,246
146	126,481	77,426	49,055	19,544,820
147	126,481	77,619	48,862	19,467,201
148	126,481	77,813	48,668	19,389,388
149	126,481	78,008	48,473	19,311,380
150	126,481	78,203	48,278	19,233,177
151	126,481	78,399	48,082	19,154,778
152	126,481	78,595	47,886	19,076,183
153	126,481	78,791	47,690	18,997,392
154	126,481	78,988	47,493	18,918,404
155	126,481	79,185	47,296	18,839,219
156	126,481	79,383	47,098	18,759,836
157	126,481	79,582	46,899	18,680,254
158	126,481	79,781	46,700	18,600,473
159	126,481	79,980	46,501	18,520,493
160	126,481	80,180	46,301	18,440,313
161	126,481	80,381	46,100	18,359,932
162	126,481	80,582	45,899	18,279,350
163	126,481	80,783	45,698	18,198,567
164	126,481	80,985	45,496	18,117,582
165	126,481	81,188	45,293	18,036,394
166	126,481	81,391	45,090	17,955,003
167	126,481	81,594	44,887	17,873,409
168	126,481	81,798	44,683	17,791,611
169	126,481	82,002	44,479	17,709,609
170	126,481	82,207	44,274	17,627,402
171	126,481	82,413	44,068	17,544,989
172	126,481	82,619	43,862	17,462,370
173	126,481	82,826	43,655	17,379,544
174	126,481	83,033	43,448	17,296,511
175	126,481	83,240	43,241	17,213,271
176	126,481	83,448	43,033	17,129,823
177	126,481	83,657	42,824	17,046,166
178	126,481	83,866	42,615	16,962,300
179	126,481	84,076	42,405	16,878,224
180	126,481	84,286	42,195	16,793,938
181	126,481	84,497	41,984	16,709,441
182	126,481	84,708	41,773	16,624,733
183	126,481	84,920	41,561	16,539,813
184	126,481	85,132	41,349	16,454,681
185	126,481	85,345	41,136	16,369,336
186	126,481	85,558	40,923	16,283,778
187	126,481	85,772	40,709	16,198,006
188	126,481	85,986	40,495	16,112,020
189	126,481	86,201	40,280	16,025,819
190	126,481	86,417	40,064	15,939,402
191	126,481	86,633	39,848	15,852,769
192	126,481	86,850	39,631	15,765,919
193	126,481	87,067	39,414	15,678,852
194	126,481	87,284	39,197	15,591,568
195	126,481	87,503	38,978	15,504,065
196	126,481	87,721	38,760	15,416,344
197	126,481	87,941	38,540	15,328,403
198	126,481	88,160	38,321	15,240,243
199	126,481	88,381	38,100	15,151,862
200	126,481	88,602	37,879	15,063,260
201	126,481	88,823	37,658	14,974,437
202	126,481	89,045	37,436	14,885,392
203	126,481	89,268	37,213	14,796,124
204	126,481	89,491	36,990	14,706,633
205	126,481	89,715	36,766	14,616,918
206	126,481	89,939	36,542	14,526,979
207	126,481	90,164	36,317	14,436,815
208	126,481	90,389	36,092	14,346,426
209	126,481	90,615	35,866	14,255,811
210	126,481	90,842	35,639	14,164,969
211	126,481	91,069	35,412	14,073,900
212	126,481	91,297	35,184	13,982,603
213	126,481	91,525	34,956	13,891,078
214	126,481	91,754	34,727	13,799,324
215	126,481	91,983	34,498	13,707,341
216	126,481	92,213	34,268	13,615,128
217	126,481	92,444	34,037	13,522,684
218	126,481	92,675	33,806	13,430,009
219	126,481	92,906	33,575	13,337,103
220	126,481	93,139	33,342	13,243,964
221	126,481	93,372	33,109	13,150,592
222	126,481	93,605	32,876	13,056,987
223	126,481	93,839	32,642	12,963,148
224	126,481	94,074	32,407	12,869,074
225	126,481	94,309	32,172	12,774,765
226	126,481	94,545	31,936	12,680,220
227	126,481	94,781	31,700	12,585,439
228	126,481	95,018	31,463	12,490,421
229	126,481	95,255	31,226	12,395,166
230	126,481	95,494	30,987	12,299,672
231	126,481	95,732	30,749	12,203,940
232	126,481	95,972	30,509	12,107,968
233	126,481	96,212	30,269	12,011,756
234	126,481	96,452	30,029	11,915,304
235	126,481	96,693	29,788	11,818,611
236	126,481	96,935	29,546	11,721,676
237	126,481	97,177	29,304	11,624,499
238	126,481	97,420	29,061	11,527,079
239	126,481	97,664	28,817	11,429,415
240	126,481	97,908	28,573	11,331,507
241	126,481	98,153	28,328	11,233,354
242	126,481	98,398	28,083	11,134,956
243	126,481	98,644	27,837	11,036,312
244	126,481	98,891	27,590	10,937,421
245	126,481	99,138	27,343	10,838,283
246	126,481	99,386	27,095	10,738,897
247	126,481	99,634	26,847	10,639,263
248	126,481	99,883	26,598	10,539,380
249	126,481	100,133	26,348	10,439,247
250	126,481	100,383	26,098	10,338,864
251	126,481	100,634	25,847	10,238,230
252	126,481	100,886	25,595	10,137,344
253	126,481	101,138	25,343	10,036,206
254	126,481	101,391	25,090	9,934,815
255	126,481	101,644	24,837	9,833,171
256	126,481	101,899	24,582	9,731,272
257	126,481	102,153	24,328	9,629,119
258	126,481	102,409	24,072	9,526,710
259	126,481	102,665	23,816	9,424,045
260	126,481	102,921	23,560	9,321,124
261	126,481	103,179	23,302	9,217,945
262	126,481	103,437	23,044	9,114,508
263	126,481	103,695	22,786	9,010,813
264	126,481	103,954	22,527	8,906,859
265	126,481	104,214	22,267	8,802,645
266	126,481	104,475	22,006	8,698,170
267	126,481	104,736	21,745	8,593,434
268	126,481	104,998	21,483	8,488,436
269	126,481	105,260	21,221	8,383,176
270	126,481	105,524	20,957	8,277,652
271	126,481	105,787	20,694	8,171,865
272	126,481	106,052	20,429	8,065,813
273	126,481	106,317	20,164	7,959,496
274	126,481	106,583	19,898	7,852,913
275	126,481	106,849	19,632	7,746,064
276	126,481	107,116	19,365	7,638,948
277	126,481	107,384	19,097	7,531,564
278	126,481	107,653	18,828	7,423,911
279	126,481	107,922	18,559	7,315,989
280	126,481	108,192	18,289	7,207,797
281	126,481	108,462	18,019	7,099,335
282	126,481	108,733	17,748	6,990,602
283	126,481	109,005	17,476	6,881,597
284	126,481	109,278	17,203	6,772,319
285	126,481	109,551	16,930	6,662,768
286	126,481	109,825	16,656	6,552,943
287	126,481	110,099	16,382	6,442,844
288	126,481	110,374	16,107	6,332,470
289	126,481	110,650	15,831	6,221,820
290	126,481	110,927	15,554	6,110,893
291	126,481	111,204	15,277	5,999,689
292	126,481	111,482	14,999	5,888,207
293	126,481	111,761	14,720	5,776,446
294	126,481	112,040	14,441	5,664,406
295	126,481	112,320	14,161	5,552,086
296	126,481	112,601	13,880	5,439,485
297	126,481	112,883	13,598	5,326,602
298	126,481	113,165	13,316	5,213,437
299	126,481	113,448	13,033	5,099,989
300	126,481	113,732	12,749	4,986,257
301	126,481	114,016	12,465	4,872,241
302	126,481	114,301	12,180	4,757,940
303	126,481	114,587	11,894	4,643,353
304	126,481	114,873	11,608	4,528,480
305	126,481	115,160	11,321	4,413,320
306	126,481	115,448	11,033	4,297,872
307	126,481	115,737	10,744	4,182,135
308	126,481	116,026	10,455	4,066,109
309	126,481	116,316	10,165	3,949,793
310	126,481	116,607	9,874	3,833,186
311	126,481	116,899	9,582	3,716,287
312	126,481	117,191	9,290	3,599,096
313	126,481	117,484	8,997	3,481,612
314	126,481	117,777	8,704	3,363,835
315	126,481	118,072	8,409	3,245,763
316	126,481	118,367	8,114	3,127,396
317	126,481	118,663	7,818	3,008,733
318	126,481	118,960	7,521	2,889,773
319	126,481	119,257	7,224	2,770,516
320	126,481	119,555	6,926	2,650,961
321	126,481	119,854	6,627	2,531,107
322	126,481	120,154	6,327	2,410,953
323	126,481	120,454	6,027	2,290,499
324	126,481	120,755	5,726	2,169,744
325	126,481	121,057	5,424	2,048,687
326	126,481	121,360	5,121	1,927,327
327	126,481	121,663	4,818	1,805,664
328	126,481	121,967	4,514	1,683,697
329	126,481	122,272	4,209	1,561,425
330	126,481	122,578	3,903	1,438,847
331	126,481	122,884	3,597	1,315,963
332	126,481	123,192	3,289	1,192,771
333	126,481	123,500	2,981	1,069,271
334	126,481	123,808	2,673	945,463
335	126,481	124,118	2,363	821,345
336	126,481	124,428	2,053	696,917
337	126,481	124,739	1,742	572,178
338	126,481	125,051	1,430	447,127
339	126,481	125,364	1,117	321,763
340	126,481	125,677	804	196,086
341	126,481	125,991	490	70,095
342	70,270	70,095	175	0

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