新生銀行カードローン レイクの返済シミュレーション
このページの最終更新日は2018年4月1日です
このページでは、新生銀行カードローン レイクの返済計画をシミュレーションしています。
借入利率は年18.0%、借入残高に応じた最低返済金額を返済する場合のシミュレーションで、小額の借入ほど返済額の負担が低い傾向があります。
レイクの最大の魅力として、初回借入時の無利息サービスがあり、「5万円まで180日間無利息」または「借入れ額全額を30日間無利息」という2択から選べますが、どちらをを選ぶかは借入額によって返済に有利な方を適用しています。
*借入額5万円、10万円、20万円 →「5万円まで180日間無利息」を適用
*借入額30万円、50万円 →「借入れ額全額を30日間無利息」
新生銀行カードローン レイクは、2018年4月より新規申し込みの受付を停止しました。
その後を引き継ぐような形で、新生銀行グループの新生フィナンシャルが、「レイクALSA」の商品名でカードローンを提供しています。
カードローン借入金額別の返済シミュレーション
5万円を借入した場合の返済シミュレーション
回数 |
返済額 |
うち元金 |
うち利息 |
借入残高 |
1 |
3,000 |
3,000 |
0 |
47,000 |
2 |
3,000 |
3,000 |
0 |
44,000 |
3 |
3,000 |
3,000 |
0 |
41,000 |
4 |
3,000 |
3,000 |
0 |
38,000 |
5 |
3,000 |
3,000 |
0 |
35,000 |
6 |
3,000 |
3,000 |
0 |
32,000 |
7 |
3,000 |
2,527 |
473 |
29,473 |
8 |
3,000 |
2,564 |
436 |
26,909 |
9 |
3,000 |
2,602 |
398 |
24,307 |
10 |
3,000 |
2,641 |
359 |
21,666 |
11 |
3,000 |
2,680 |
320 |
18,986 |
12 |
3,000 |
2,720 |
280 |
16,266 |
13 |
3,000 |
2,760 |
240 |
13,506 |
14 |
3,000 |
2,801 |
199 |
10,705 |
15 |
3,000 |
2,842 |
158 |
7,863 |
16 |
3,000 |
2,884 |
116 |
4,979 |
17 |
3,000 |
2,927 |
73 |
2,052 |
18 |
2,082 |
2,052 |
30 |
0 |
累計 |
53,082 |
50,000 |
3,082 |
0 |
（単位：円）
10万円を借入した場合の返済シミュレーション
回数 |
返済額 |
うち元金 |
うち利息 |
借入残高 |
1 |
3,000 |
2,261 |
739 |
97,739 |
2 |
3,000 |
2,294 |
706 |
95,445 |
3 |
3,000 |
2,328 |
672 |
93,117 |
4 |
3,000 |
2,363 |
637 |
90,754 |
5 |
3,000 |
2,398 |
602 |
88,356 |
6 |
3,000 |
2,433 |
567 |
85,923 |
7 |
3,000 |
1,729 |
1,271 |
84,194 |
8 |
3,000 |
1,755 |
1,245 |
82,439 |
9 |
3,000 |
1,781 |
1,219 |
80,658 |
10 |
3,000 |
1,807 |
1,193 |
78,851 |
11 |
3,000 |
1,834 |
1,166 |
77,017 |
12 |
3,000 |
1,861 |
1,139 |
75,156 |
13 |
3,000 |
1,889 |
1,111 |
73,267 |
14 |
3,000 |
1,917 |
1,083 |
71,350 |
15 |
3,000 |
1,945 |
1,055 |
69,405 |
16 |
3,000 |
1,974 |
1,026 |
67,431 |
17 |
3,000 |
2,003 |
997 |
65,428 |
18 |
3,000 |
2,033 |
967 |
63,395 |
19 |
3,000 |
2,063 |
937 |
61,332 |
20 |
3,000 |
2,093 |
907 |
59,239 |
21 |
3,000 |
2,124 |
876 |
57,115 |
22 |
3,000 |
2,156 |
844 |
54,959 |
23 |
3,000 |
2,187 |
813 |
52,772 |
24 |
3,000 |
2,220 |
780 |
50,552 |
25 |
3,000 |
2,253 |
747 |
48,299 |
26 |
3,000 |
2,286 |
714 |
46,013 |
27 |
3,000 |
2,320 |
680 |
43,693 |
28 |
3,000 |
2,354 |
646 |
41,339 |
29 |
3,000 |
2,389 |
611 |
38,950 |
30 |
3,000 |
2,424 |
576 |
36,526 |
31 |
3,000 |
2,460 |
540 |
34,066 |
32 |
3,000 |
2,497 |
503 |
31,569 |
33 |
3,000 |
2,533 |
467 |
29,036 |
34 |
3,000 |
2,571 |
429 |
26,465 |
35 |
3,000 |
2,609 |
391 |
23,856 |
36 |
3,000 |
2,648 |
352 |
21,208 |
37 |
3,000 |
2,687 |
313 |
18,521 |
38 |
3,000 |
2,726 |
274 |
15,795 |
39 |
3,000 |
2,767 |
233 |
13,028 |
40 |
3,000 |
2,808 |
192 |
10,220 |
41 |
3,000 |
2,849 |
151 |
7,371 |
42 |
3,000 |
2,891 |
109 |
4,480 |
43 |
3,000 |
2,934 |
66 |
1,546 |
44 |
1,568 |
1,546 |
22 |
0 |
累計 |
130,568 |
100,000 |
30,568 |
0 |
（単位：円）
20万円を借入した場合の返済シミュレーション
回数 |
返済額 |
うち元金 |
うち利息 |
借入残高 |
1 |
5,000 |
2,781 |
2,219 |
197,219 |
2 |
5,000 |
2,822 |
2,178 |
194,397 |
3 |
5,000 |
2,864 |
2,136 |
191,533 |
4 |
5,000 |
2,907 |
2,093 |
188,626 |
5 |
5,000 |
2,950 |
2,050 |
185,676 |
6 |
5,000 |
2,993 |
2,007 |
182,683 |
7 |
5,000 |
2,298 |
2,702 |
180,385 |
8 |
5,000 |
2,332 |
2,668 |
178,053 |
9 |
5,000 |
2,366 |
2,634 |
175,687 |
10 |
5,000 |
2,401 |
2,599 |
173,286 |
11 |
5,000 |
2,437 |
2,563 |
170,849 |
12 |
5,000 |
2,473 |
2,527 |
168,376 |
13 |
5,000 |
2,509 |
2,491 |
165,867 |
14 |
5,000 |
2,547 |
2,453 |
163,320 |
15 |
5,000 |
2,584 |
2,416 |
160,736 |
16 |
5,000 |
2,622 |
2,378 |
158,114 |
17 |
5,000 |
2,661 |
2,339 |
155,453 |
18 |
5,000 |
2,701 |
2,299 |
152,752 |
19 |
5,000 |
2,741 |
2,259 |
150,011 |
20 |
5,000 |
2,781 |
2,219 |
147,230 |
21 |
5,000 |
2,822 |
2,178 |
144,408 |
22 |
5,000 |
2,864 |
2,136 |
141,544 |
23 |
5,000 |
2,906 |
2,094 |
138,638 |
24 |
5,000 |
2,949 |
2,051 |
135,689 |
25 |
5,000 |
2,993 |
2,007 |
132,696 |
26 |
5,000 |
3,037 |
1,963 |
129,659 |
27 |
5,000 |
3,082 |
1,918 |
126,577 |
28 |
5,000 |
3,128 |
1,872 |
123,449 |
29 |
5,000 |
3,174 |
1,826 |
120,275 |
30 |
5,000 |
3,221 |
1,779 |
117,054 |
31 |
5,000 |
3,269 |
1,731 |
113,785 |
32 |
5,000 |
3,317 |
1,683 |
110,468 |
33 |
5,000 |
3,366 |
1,634 |
107,102 |
34 |
5,000 |
3,416 |
1,584 |
103,686 |
35 |
5,000 |
3,467 |
1,533 |
100,219 |
36 |
5,000 |
3,518 |
1,482 |
96,701 |
37 |
5,000 |
3,570 |
1,430 |
93,131 |
38 |
5,000 |
3,623 |
1,377 |
89,508 |
39 |
5,000 |
3,676 |
1,324 |
85,832 |
40 |
5,000 |
3,731 |
1,269 |
82,101 |
41 |
5,000 |
3,786 |
1,214 |
78,315 |
42 |
5,000 |
3,842 |
1,158 |
74,473 |
43 |
5,000 |
3,899 |
1,101 |
70,574 |
44 |
5,000 |
3,956 |
1,044 |
66,618 |
45 |
5,000 |
4,015 |
985 |
62,603 |
46 |
5,000 |
4,074 |
926 |
58,529 |
47 |
5,000 |
4,135 |
865 |
54,394 |
48 |
5,000 |
4,196 |
804 |
50,198 |
49 |
5,000 |
4,258 |
742 |
45,940 |
50 |
5,000 |
4,321 |
679 |
41,619 |
51 |
5,000 |
4,385 |
615 |
37,234 |
52 |
5,000 |
4,450 |
550 |
32,784 |
53 |
5,000 |
4,515 |
485 |
28,269 |
54 |
5,000 |
4,582 |
418 |
23,687 |
55 |
5,000 |
4,650 |
350 |
19,037 |
56 |
5,000 |
4,719 |
281 |
14,318 |
57 |
5,000 |
4,789 |
211 |
9,529 |
58 |
5,000 |
4,860 |
140 |
4,669 |
59 |
4,738 |
4,669 |
69 |
0 |
累計 |
294,738 |
200,000 |
94,738 |
0 |
（単位：円）
30万円を借入した場合の返済シミュレーション
回数 |
返済額 |
うち元金 |
うち利息 |
借入残高 |
1 |
7,000 |
7,000 |
0 |
293,000 |
2 |
7,000 |
2,666 |
4,334 |
290,334 |
3 |
7,000 |
2,705 |
4,295 |
287,629 |
4 |
7,000 |
2,745 |
4,255 |
284,884 |
5 |
7,000 |
2,786 |
4,214 |
282,098 |
6 |
7,000 |
2,827 |
4,173 |
279,271 |
7 |
7,000 |
2,869 |
4,131 |
276,402 |
8 |
7,000 |
2,911 |
4,089 |
273,491 |
9 |
7,000 |
2,954 |
4,046 |
270,537 |
10 |
7,000 |
2,998 |
4,002 |
267,539 |
11 |
7,000 |
3,042 |
3,958 |
264,497 |
12 |
7,000 |
3,087 |
3,913 |
261,410 |
13 |
7,000 |
3,133 |
3,867 |
258,277 |
14 |
7,000 |
3,179 |
3,821 |
255,098 |
15 |
7,000 |
3,226 |
3,774 |
251,872 |
16 |
7,000 |
3,274 |
3,726 |
248,598 |
17 |
7,000 |
3,323 |
3,677 |
245,275 |
18 |
7,000 |
3,372 |
3,628 |
241,903 |
19 |
7,000 |
3,422 |
3,578 |
238,481 |
20 |
7,000 |
3,472 |
3,528 |
235,009 |
21 |
7,000 |
3,524 |
3,476 |
231,485 |
22 |
7,000 |
3,576 |
3,424 |
227,909 |
23 |
7,000 |
3,629 |
3,371 |
224,280 |
24 |
7,000 |
3,682 |
3,318 |
220,598 |
25 |
7,000 |
3,737 |
3,263 |
216,861 |
26 |
7,000 |
3,792 |
3,208 |
213,069 |
27 |
7,000 |
3,848 |
3,152 |
209,221 |
28 |
7,000 |
3,905 |
3,095 |
205,316 |
29 |
7,000 |
3,963 |
3,037 |
201,353 |
30 |
7,000 |
4,022 |
2,978 |
197,331 |
31 |
7,000 |
4,081 |
2,919 |
193,250 |
32 |
7,000 |
4,141 |
2,859 |
189,109 |
33 |
7,000 |
4,203 |
2,797 |
184,906 |
34 |
7,000 |
4,265 |
2,735 |
180,641 |
35 |
7,000 |
4,328 |
2,672 |
176,313 |
36 |
7,000 |
4,392 |
2,608 |
171,921 |
37 |
7,000 |
4,457 |
2,543 |
167,464 |
38 |
7,000 |
4,523 |
2,477 |
162,941 |
39 |
7,000 |
4,590 |
2,410 |
158,351 |
40 |
7,000 |
4,658 |
2,342 |
153,693 |
41 |
7,000 |
4,727 |
2,273 |
148,966 |
42 |
7,000 |
4,797 |
2,203 |
144,169 |
43 |
7,000 |
4,868 |
2,132 |
139,301 |
44 |
7,000 |
4,940 |
2,060 |
134,361 |
45 |
7,000 |
5,013 |
1,987 |
129,348 |
46 |
7,000 |
5,087 |
1,913 |
124,261 |
47 |
7,000 |
5,162 |
1,838 |
119,099 |
48 |
7,000 |
5,238 |
1,762 |
113,861 |
49 |
7,000 |
5,316 |
1,684 |
108,545 |
50 |
7,000 |
5,395 |
1,605 |
103,150 |
51 |
7,000 |
5,474 |
1,526 |
97,676 |
52 |
7,000 |
5,555 |
1,445 |
92,121 |
53 |
7,000 |
5,638 |
1,362 |
86,483 |
54 |
7,000 |
5,721 |
1,279 |
80,762 |
55 |
7,000 |
5,806 |
1,194 |
74,956 |
56 |
7,000 |
5,892 |
1,108 |
69,064 |
57 |
7,000 |
5,979 |
1,021 |
63,085 |
58 |
7,000 |
6,067 |
933 |
57,018 |
59 |
7,000 |
6,157 |
843 |
50,861 |
60 |
7,000 |
6,248 |
752 |
44,613 |
61 |
7,000 |
6,340 |
660 |
38,273 |
62 |
7,000 |
6,434 |
566 |
31,839 |
63 |
7,000 |
6,529 |
471 |
25,310 |
64 |
7,000 |
6,626 |
374 |
18,684 |
65 |
7,000 |
6,724 |
276 |
11,960 |
66 |
7,000 |
6,824 |
176 |
5,136 |
67 |
5,211 |
5,136 |
75 |
0 |
累計 |
467,211 |
300,000 |
167,211 |
0 |
（単位：円）
50万円を借入した場合の返済シミュレーション
回数 |
返済額 |
うち元金 |
うち利息 |
借入残高 |
1 |
12,000 |
12,000 |
0 |
488,000 |
2 |
12,000 |
4,781 |
7,219 |
483,219 |
3 |
12,000 |
4,852 |
7,148 |
478,367 |
4 |
12,000 |
4,923 |
7,077 |
473,444 |
5 |
12,000 |
4,996 |
7,004 |
468,448 |
6 |
12,000 |
5,070 |
6,930 |
463,378 |
7 |
12,000 |
5,145 |
6,855 |
458,233 |
8 |
12,000 |
5,221 |
6,779 |
453,012 |
9 |
12,000 |
5,298 |
6,702 |
447,714 |
10 |
12,000 |
5,377 |
6,623 |
442,337 |
11 |
12,000 |
5,456 |
6,544 |
436,881 |
12 |
12,000 |
5,537 |
6,463 |
431,344 |
13 |
12,000 |
5,619 |
6,381 |
425,725 |
14 |
12,000 |
5,702 |
6,298 |
420,023 |
15 |
12,000 |
5,786 |
6,214 |
414,237 |
16 |
12,000 |
5,872 |
6,128 |
408,365 |
17 |
12,000 |
5,959 |
6,041 |
402,406 |
18 |
12,000 |
6,047 |
5,953 |
396,359 |
19 |
12,000 |
6,137 |
5,863 |
390,222 |
20 |
12,000 |
6,227 |
5,773 |
383,995 |
21 |
12,000 |
6,319 |
5,681 |
377,676 |
22 |
12,000 |
6,413 |
5,587 |
371,263 |
23 |
12,000 |
6,508 |
5,492 |
364,755 |
24 |
12,000 |
6,604 |
5,396 |
358,151 |
25 |
12,000 |
6,702 |
5,298 |
351,449 |
26 |
12,000 |
6,801 |
5,199 |
344,648 |
27 |
12,000 |
6,902 |
5,098 |
337,746 |
28 |
12,000 |
7,004 |
4,996 |
330,742 |
29 |
12,000 |
7,107 |
4,893 |
323,635 |
30 |
12,000 |
7,212 |
4,788 |
316,423 |
31 |
12,000 |
7,319 |
4,681 |
309,104 |
32 |
12,000 |
7,427 |
4,573 |
301,677 |
33 |
12,000 |
7,537 |
4,463 |
294,140 |
34 |
12,000 |
7,649 |
4,351 |
286,491 |
35 |
12,000 |
7,762 |
4,238 |
278,729 |
36 |
12,000 |
7,877 |
4,123 |
270,852 |
37 |
12,000 |
7,993 |
4,007 |
262,859 |
38 |
12,000 |
8,112 |
3,888 |
254,747 |
39 |
12,000 |
8,232 |
3,768 |
246,515 |
40 |
12,000 |
8,353 |
3,647 |
238,162 |
41 |
12,000 |
8,477 |
3,523 |
229,685 |
42 |
12,000 |
8,602 |
3,398 |
221,083 |
43 |
12,000 |
8,730 |
3,270 |
212,353 |
44 |
12,000 |
8,859 |
3,141 |
203,494 |
45 |
12,000 |
8,990 |
3,010 |
194,504 |
46 |
12,000 |
9,123 |
2,877 |
185,381 |
47 |
12,000 |
9,258 |
2,742 |
176,123 |
48 |
12,000 |
9,395 |
2,605 |
166,728 |
49 |
12,000 |
9,534 |
2,466 |
157,194 |
50 |
12,000 |
9,675 |
2,325 |
147,519 |
51 |
12,000 |
9,818 |
2,182 |
137,701 |
52 |
12,000 |
9,963 |
2,037 |
127,738 |
53 |
12,000 |
10,111 |
1,889 |
117,627 |
54 |
12,000 |
10,260 |
1,740 |
107,367 |
55 |
12,000 |
10,412 |
1,588 |
96,955 |
56 |
12,000 |
10,566 |
1,434 |
86,389 |
57 |
12,000 |
10,722 |
1,278 |
75,667 |
58 |
12,000 |
10,881 |
1,119 |
64,786 |
59 |
12,000 |
11,042 |
958 |
53,744 |
60 |
12,000 |
11,205 |
795 |
42,539 |
61 |
12,000 |
11,371 |
629 |
31,168 |
62 |
12,000 |
11,539 |
461 |
19,629 |
63 |
12,000 |
11,710 |
290 |
7,919 |
64 |
8,036 |
7,919 |
117 |
0 |
累計 |
764,036 |
500,000 |
264,036 |
0 |
（単位：円）
