利息について
2005/4/25に５０万円を借り入れ毎月２５日に17,000円ずつ返済をした場合，利息が29.2%と18%の場合どのくらい返済額に差が出るのか比較してみました。
- 18%の利息で借入をした場合，2008/8/25頃には完済できるのに対して，29.2%の利息で借入をした場合には，2009/8/25頃まで返済を続けなくてはなりません。
- 29.2%の利息で借入をした場合，18%の利息で借入で完済した時点でも，まだ約１８万円の残元金があります。
- 支払総額は約２０万円の差があります。
利息比較表（18%と29.2%）
※この表は，あくまでも「例」です。
※閏年等考慮していません。
| 日付 | 返済額 | 29.2% | 18% | 差異 (1)-(2) | 支払総額 | ||
|---|---|---|---|---|---|---|---|
| 利息 | 残元金(1) | 利息 | 残元金(2) | ||||
| 05.04.25 | 0 | 0 | 500,000 | 0 | 500,000 | 0 | 0 |
| 05.05.25 | 17,000 | 12,000 | 495,000 | 7,397 | 490,397 | 4,603 | 17,000 |
| 05.06.25 | 17,000 | 12,276 | 490,276 | 7,497 | 480,894 | 9,382 | 34,000 |
| 05.07.25 | 17,000 | 11,766 | 485,042 | 7,114 | 471,008 | 14,034 | 51,000 |
| 05.08.25 | 17,000 | 12,029 | 480,071 | 7,200 | 461,208 | 18,863 | 68,000 |
| 05.09.25 | 17,000 | 11,905 | 474,976 | 7,050 | 451,258 | 23,718 | 85,000 |
| 05.10.25 | 17,000 | 11,399 | 469,375 | 6,676 | 440,934 | 28,441 | 102,000 |
| 05.11.25 | 17,000 | 11,640 | 464,015 | 6,740 | 430,674 | 33,341 | 119,000 |
| 05.12.25 | 17,000 | 11,136 | 458,151 | 6,371 | 420,045 | 38,106 | 136,000 |
| 06.01.25 | 17,000 | 11,362 | 452,513 | 6,421 | 409,466 | 43,047 | 153,000 |
| 06.02.25 | 17,000 | 11,222 | 446,735 | 6,259 | 398,725 | 48,010 | 170,000 |
| 06.03.25 | 17,000 | 10,006 | 439,741 | 5,505 | 387,230 | 52,511 | 187,000 |
| 06.04.25 | 17,000 | 10,905 | 433,646 | 5,919 | 376,149 | 57,497 | 204,000 |
| 06.05.25 | 17,000 | 10,407 | 427,053 | 5,564 | 364,713 | 62,340 | 221,000 |
| 06.06.25 | 17,000 | 10,590 | 420,643 | 5,575 | 353,288 | 67,355 | 238,000 |
| 06.07.25 | 17,000 | 10,095 | 413,738 | 5,226 | 341,514 | 72,224 | 255,000 |
| 06.08.25 | 17,000 | 10,260 | 406,998 | 5,220 | 329,734 | 77,264 | 272,000 |
| 06.09.25 | 17,000 | 10,093 | 400,091 | 5,040 | 317,774 | 82,317 | 289,000 |
| 06.10.25 | 17,000 | 9,602 | 392,693 | 4,701 | 305,475 | 87,218 | 306,000 |
| 06.11.25 | 17,000 | 9,738 | 385,431 | 4,670 | 293,145 | 92,286 | 323,000 |
| 06.12.25 | 17,000 | 9,250 | 377,681 | 4,336 | 280,481 | 97,200 | 340,000 |
| 07.01.25 | 17,000 | 9,366 | 370,047 | 4,287 | 267,768 | 102,279 | 357,000 |
| 07.02.25 | 17,000 | 9,177 | 362,224 | 4,093 | 254,861 | 107,363 | 374,000 |
| 07.03.25 | 17,000 | 8,113 | 353,337 | 3,519 | 241,380 | 111,957 | 391,000 |
| 07.04.25 | 17,000 | 8,762 | 345,099 | 3,690 | 228,070 | 117,029 | 408,000 |
| 07.05.25 | 17,000 | 8,282 | 336,381 | 3,374 | 214,444 | 121,937 | 425,000 |
| 07.06.25 | 17,000 | 8,342 | 327,723 | 3,278 | 200,722 | 127,001 | 442,000 |
| 07.07.25 | 17,000 | 7,865 | 318,588 | 2,969 | 186,691 | 131,897 | 459,000 |
| 07.08.25 | 17,000 | 7,900 | 309,488 | 2,854 | 172,545 | 136,943 | 476,000 |
| 07.09.25 | 17,000 | 7,675 | 300,163 | 2,637 | 158,182 | 141,981 | 493,000 |
| 07.10.25 | 17,000 | 7,203 | 290,366 | 2,340 | 143,522 | 146,844 | 510,000 |
| 07.11.25 | 17,000 | 7,201 | 280,567 | 2,194 | 128,716 | 151,851 | 527,000 |
| 07.12.25 | 17,000 | 6,733 | 270,300 | 1,904 | 113,620 | 156,680 | 544,000 |
| 08.01.25 | 17,000 | 6,703 | 260,003 | 1,736 | 98,356 | 161,647 | 561,000 |
| 08.02.25 | 17,000 | 6,448 | 249,451 | 1,503 | 82,859 | 166,592 | 578,000 |
| 08.03.25 | 17,000 | 5,787 | 238,238 | 1,184 | 67,043 | 171,195 | 595,000 |
| 08.04.25 | 17,000 | 5,908 | 227,146 | 1,024 | 51,067 | 176,079 | 612,000 |
| 08.05.25 | 17,000 | 5,451 | 215,597 | 755 | 34,822 | 180,775 | 629,000 |
| 08.06.25 | 17,000 | 5,346 | 203,943 | 532 | 18,354 | 185,589 | 646,000 |
| 08.07.25 | 17,000 | 4,894 | 191,837 | 271 | 1,625 | 190,212 | 663,000 |
| 08.08.25 | 17,000 | 4,757 | 179,594 | 24 | -15,351 | 194,945 | 680,000 |
| 08.09.25 | 17,000 | 4,453 | 167,047 | -234 | -32,585 | 199,632 | 697,000 |
| 08.10.25 | 17,000 | 4,009 | 154,056 | -482 | -50,067 | 204,123 | 714,000 |
| 08.11.25 | 17,000 | 3,820 | 140,876 | -765 | -67,832 | 208,708 | 731,000 |
| 08.12.25 | 17,000 | 3,381 | 127,257 | -1,003 | -85,835 | 213,092 | 748,000 |
| 09.01.25 | 17,000 | 3,155 | 113,412 | -1,312 | -104,147 | 217,559 | 765,000 |
| 09.02.25 | 17,000 | 2,812 | 99,224 | -1,592 | -122,739 | 221,963 | 782,000 |
| 09.03.25 | 17,000 | 2,222 | 84,446 | -1,694 | -141,433 | 225,879 | 799,000 |
| 09.04.25 | 17,000 | 2,094 | 69,540 | -2,162 | -160,595 | 230,135 | 816,000 |
| 09.05.25 | 17,000 | 1,668 | 54,208 | -2,375 | -179,970 | 234,178 | 833,000 |
| 09.06.25 | 17,000 | 1,344 | 38,552 | -2,751 | -199,721 | 238,273 | 850,000 |
| 09.07.25 | 17,000 | 925 | 22,477 | -2,954 | -219,675 | 242,152 | 867,000 |
| 09.08.25 | 17,000 | 557 | 6,034 | -3,358 | -240,033 | 246,067 | 884,000 |