平成１８年５月１日に５０万円を年利２９．２％で借りて、毎月２万円づつ支払って完済した場合、いくらの過払い金が出るか、以下の引き直し計算書でご確認ください。
平成２１年９月まで支払って、年利２９．２％の借金を完済した場合、利息制限法の上限金利である年利１８％で計算しなおすと、149,111円もの過払い金が発生します。
|
取引日
|
返済額
|
利率
|
利 息
|
元金
返済額 |
残元金
|
|
取引日
|
返済額
|
利率
|
利 息
|
元金
返済額 |
残元金
|
|
H18.05.01
|
|
18.0000%
|
0
|
|
500,000
|
|
H18.05.01
|
|
29.2000%
|
0
|
|
500,000
|
|
H18.06.01
|
20,000
|
18.0000%
|
7,643
|
12,357
|
487,643
|
|
H18.06.01
|
20,000
|
29.2000%
|
12,400
|
7,600
|
492,400
|
|
H18.07.01
|
20,000
|
18.0000%
|
7,214
|
12,786
|
474,857
|
|
H18.07.01
|
20,000
|
29.2000%
|
11,817
|
8,183
|
484,217
|
|
H18.08.01
|
20,000
|
18.0000%
|
7,259
|
12,741
|
462,116
|
|
H18.08.01
|
20,000
|
29.2000%
|
12,008
|
7,992
|
476,225
|
|
H18.09.01
|
20,000
|
18.0000%
|
7,064
|
12,936
|
449,180
|
|
H18.09.01
|
20,000
|
29.2000%
|
11,810
|
8,190
|
468,035
|
|
H18.10.01
|
20,000
|
18.0000%
|
6,645
|
13,355
|
435,825
|
|
H18.10.01
|
20,000
|
29.2000%
|
11,232
|
8,768
|
459,267
|
|
H18.11.01
|
20,000
|
18.0000%
|
6,662
|
13,338
|
422,487
|
|
H18.11.01
|
20,000
|
29.2000%
|
11,389
|
8,611
|
450,656
|
|
H18.12.01
|
20,000
|
18.0000%
|
6,250
|
13,750
|
408,737
|
|
H18.12.01
|
20,000
|
29.2000%
|
10,815
|
9,185
|
441,471
|
|
H19.01.01
|
20,000
|
18.0000%
|
6,248
|
13,752
|
394,985
|
|
H19.01.01
|
20,000
|
29.2000%
|
10,948
|
9,052
|
432,419
|
|
H19.02.01
|
20,000
|
18.0000%
|
6,038
|
13,962
|
381,023
|
|
H19.02.01
|
20,000
|
29.2000%
|
10,723
|
9,277
|
423,142
|
|
H19.03.01
|
20,000
|
18.0000%
|
5,261
|
14,739
|
366,284
|
|
H19.03.01
|
20,000
|
29.2000%
|
9,478
|
10,522
|
412,620
|
|
H19.04.01
|
20,000
|
18.0000%
|
5,599
|
14,401
|
351,883
|
|
H19.04.01
|
20,000
|
29.2000%
|
10,232
|
9,768
|
402,852
|
|
H19.05.01
|
20,000
|
18.0000%
|
5,205
|
14,795
|
337,088
|
|
H19.05.01
|
20,000
|
29.2000%
|
9,668
|
10,332
|
392,520
|
|
H19.06.01
|
20,000
|
18.0000%
|
5,153
|
14,847
|
322,241
|
|
H19.06.01
|
20,000
|
29.2000%
|
9,734
|
10,266
|
382,254
|
|
H19.07.01
|
20,000
|
18.0000%
|
4,767
|
15,233
|
307,008
|
|
H19.07.01
|
20,000
|
29.2000%
|
9,174
|
10,826
|
371,428
|
|
H19.08.01
|
20,000
|
18.0000%
|
4,693
|
15,307
|
291,701
|
|
H19.08.01
|
20,000
|
29.2000%
|
9,211
|
10,789
|
360,639
|
|
H19.09.01
|
20,000
|
18.0000%
|
4,459
|
15,541
|
276,160
|
|
H19.09.01
|
20,000
|
29.2000%
|
8,943
|
11,057
|
349,582
|
|
H19.10.01
|
20,000
|
18.0000%
|
4,085
|
15,915
|
260,245
|
|
H19.10.01
|
20,000
|
29.2000%
|
8,389
|
11,611
|
337,971
|
|
H19.11.01
|
20,000
|
18.0000%
|
3,978
|
16,022
|
244,223
|
|
H19.11.01
|
20,000
|
29.2000%
|
8,381
|
11,619
|
326,352
|
|
H19.12.01
|
20,000
|
18.0000%
|
3,613
|
16,387
|
227,836
|
|
H19.12.01
|
20,000
|
29.2000%
|
7,832
|
12,168
|
314,184
|
|
H20.01.01
|
20,000
|
18.0000%
|
3,483
|
16,517
|
211,319
|
|
H20.01.01
|
20,000
|
29.2000%
|
7,791
|
12,209
|
301,975
|
|
H20.02.01
|
20,000
|
18.0000%
|
3,230
|
16,770
|
194,549
|
|
H20.02.01
|
20,000
|
29.2000%
|
7,488
|
12,512
|
289,463
|
|
H20.03.01
|
20,000
|
18.0000%
|
2,782
|
17,218
|
177,331
|
|
H20.03.01
|
20,000
|
29.2000%
|
6,715
|
13,285
|
276,178
|
|
H20.04.01
|
20,000
|
18.0000%
|
2,710
|
17,290
|
160,041
|
|
H20.04.01
|
20,000
|
29.2000%
|
6,849
|
13,151
|
263,027
|
|
H20.05.01
|
20,000
|
18.0000%
|
2,367
|
17,633
|
142,408
|
|
H20.05.01
|
20,000
|
29.2000%
|
6,312
|
13,688
|
249,339
|
|
H20.06.01
|
20,000
|
18.0000%
|
2,177
|
17,823
|
124,585
|
|
H20.06.01
|
20,000
|
29.2000%
|
6,183
|
13,817
|
235,522
|
|
H20.07.01
|
20,000
|
18.0000%
|
1,843
|
18,157
|
106,428
|
|
H20.07.01
|
20,000
|
29.2000%
|
5,652
|
14,348
|
221,174
|
|
H20.08.01
|
20,000
|
18.0000%
|
1,627
|
18,373
|
88,055
|
|
H20.08.01
|
20,000
|
29.2000%
|
5,485
|
14,515
|
206,659
|
|
H20.09.01
|
20,000
|
18.0000%
|
1,346
|
18,654
|
69,401
|
|
H20.09.01
|
20,000
|
29.2000%
|
5,125
|
14,875
|
191,784
|
|
H20.10.01
|
20,000
|
18.0000%
|
1,026
|
18,974
|
50,427
|
|
H20.10.01
|
20,000
|
29.2000%
|
4,602
|
15,398
|
176,386
|
|
H20.11.01
|
20,000
|
18.0000%
|
770
|
19,230
|
31,197
|
|
H20.11.01
|
20,000
|
29.2000%
|
4,374
|
15,626
|
160,760
|
|
H20.12.01
|
20,000
|
18.0000%
|
461
|
19,539
|
11,658
|
|
H20.12.01
|
20,000
|
29.2000%
|
3,858
|
16,142
|
144,618
|
|
H21.01.01
|
20,000
|
18.0000%
|
178
|
19,822
|
-8,164
|
|
H21.01.01
|
20,000
|
29.2000%
|
3,586
|
16,414
|
128,204
|
|
H21.02.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-28,164
|
|
H21.02.01
|
20,000
|
29.2000%
|
3,179
|
16,821
|
111,383
|
|
H21.03.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-48,164
|
|
H21.03.01
|
20,000
|
29.2000%
|
2,494
|
17,506
|
93,877
|
|
H21.04.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-68,164
|
|
H21.04.01
|
20,000
|
29.2000%
|
2,328
|
17,672
|
76,205
|
|
H21.05.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-88,164
|
|
H21.05.01
|
20,000
|
29.2000%
|
1,828
|
18,172
|
58,033
|
|
H21.06.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-108,164
|
|
H21.06.01
|
20,000
|
29.2000%
|
1,439
|
18,561
|
39,472
|
|
H21.07.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-128,164
|
|
H21.07.01
|
20,000
|
29.2000%
|
947
|
19,053
|
20,419
|
|
H21.08.01
|
20,000
|
18.0000%
|
0
|
20,000
|
-148,164
|
|
H21.08.01
|
20,000
|
29.2000%
|
506
|
19,494
|
925
|
|
H21.09.01
|
947
|
18.0000%
|
0
|
947
|
-149,111
|
|
H21.09.01
|
947
|
29.2000%
|
22
|
925
|
0
|
|
合計
|
780,947
|
|
131,836
|
649,111
|
|
|
合計
|
780,947
|
|
280,947
|
500,000
|
|
