記事一覧

住宅ローン期間延長で浮いたお金をソーシャルレンディングに回そう(1)

日銀のマイナス金利政策などのニュースを見ると、日本は一層低金利になりつつあるようです。
この低金利を何かに利用できないかといろいろ考えてみました。

以前の記事「ソーシャルレンディング投資でレバレッジをかけられるか」では、証券担保ローンで借りたお金をソーシャルレンディング投資に回して利ザヤで儲けられるか検証しました。

野村Webプラスローンを利用したソーシャルレンディング投資の結果

さらに何らかの方法で低金利でお金を借りられないものでしょうか。

そこで思いついたのが、「住宅ローンの返済期間を延長すること」です。

私は2009年に購入したマンションに住んでいます。
りそな銀行にて10年間の住宅ローンを組み、現在返済中です。
この住宅ローンの返済期間を延長することができれば、月々の返済額を減らせます。
その浮いた分をソーシャルレンディングなどの投資に回せば、住宅ローンの金利でお金を借りて投資に回しているのと実質的には同じになるのではないでしょうか。

2016年4月時点での私の住宅ローンの現状は以下の通りです。

 ・借入銀行:りそな銀行
 ・借入残高:680万円
 ・月々の返済額:16万6000円
 ・金利:0.78%(変動)
 ・残存返済期間:3年6か月


 (ついにブログで自分の住宅ローンの残高まで公開することになってしまいました・・・)

見ての通り、現在の私の住宅ローンの金利は非常に安く、1%未満です。
改めて考えてみると、これだけの低金利で個人がお金を借りられる方法は他になかなかないと思います。

まず、りそな銀行の窓口に行き、住宅ローンの期間延長をしたい旨を相談してみたところ、回答に1週間ほど時間がかかるとのことでした。
1週間後に電話にて回答があり、年収減などの特別な理由がない限り、返済期間の延長はできないとのこと。
残念です。

しかし、さらにあきらめずに他行での借り換えができないか模索してみました。
実際、住宅ローン金利が全般的に下がっており、借り換えが非常に盛んだとニュース記事で目にします。
期間の延長にも応じてくれる銀行があるかも知れません。

ネット上でいろいろ探したところ、楽天銀行は借り換え時の住宅ローン期間延長にも対応しているようです。

楽天銀行

まずはサイト上で借り換えシミュレーションを行ってみました。
なお、住宅ローン期間を延長するには、フラット35での借り入れとする必要があるようです。

<以下引用>
フラット35は、民間金融機関と住宅金融支援機構が提携してみなさまに提供している全期間固定金利住宅ローンです。全期間固定金利住宅ローンは、資金のお受取時にご返済終了までのお借入金利・ご返済額が確定する住宅ローンですので、長期にわたるライフプランを立てやすくなります。
 フラット35は、「ずっと固定金利の安心」で大切なマイホームの取得とその後のライフプランをサポートします。



フラット35

また、フラット35年のローン返済期間は、当初の借入期間も含めて35年が限度のようです。
私の場合は、もともと借り入れ開始は2009年なので、最長でも2044年まで(現時点からの借入期間は28年)ということになります。

借入期間25年にした場合のフラット35の金利は、1.25%(固定)です。現在(0.78%)よりは若干高くなりますが、それでも十分に低い水準です。

この条件での借り換えシミュレーション結果は以下の通りです。

シミュレーション

これで、月々の返済額を26,000円に減らすことができます。
しかし、返済期間が延びるので、当然金利の総額は現在よりも高くなります。
また、借り換えに伴う諸費用として245,200円もかかるとのこと。
(現在と同じりそな銀行で借り換えができればこの費用はかからなくて済んだと思われますが)
総費用としては、120万円も高くなるという結果が出ました。
これだけ見ると、あまりメリットがなさそうに見えます。
これだけのコストをかけても、返済期間の延長を行う意味はあるのでしょうか。

以下の条件を追加して、収支のシミュレーションを自分で行ってみました。

(条件1)月々の返済額の差分はすべてソーシャルレンディング投資に回す。
(条件2)ソーシャルレンディング投資の利回りは年利5%と想定(過去5年間の実績は7.3%なので、若干控えめな数値です)
(条件3)月々の給与収入は仮で20万円とする(給与収入がいくらであってもこの場合のシミュレーション結果には影響ないはずなので、仮の数字です)



パターン1(借り換えを行わない場合)パターン2(借り換え・返済期間延長を行う場合)とで比較してみました。

シミュレーション結果は以下の通りです。

■パターン1(借り換えを行わない場合)

年目支払毎月の返済額返済後残高給与収入(仮)資産純資産
回数 (年利5%で運用時)(資産-返済後残高)
 元金利息返済額   
 (円)(円)(円)   
11160,2994,299164,5986,657,765200,00039,701-6,618,064
2160,4024,196164,5986,497,363200,00079,458-6,417,905
3160,5064,092164,5986,336,857200,000119,270-6,217,587
4160,6143,984164,5986,176,243200,000159,133-6,017,110
5160,7213,877164,5986,015,522200,000199,048-5,816,474
6160,8293,769164,5985,854,693200,000239,015-5,615,678
7160,9373,661164,5985,693,756200,000279,035-5,414,722
8161,0443,554164,5985,532,712200,000319,106-5,213,605
9161,1523,446164,5985,371,560200,000359,231-5,012,329
10161,2603,338164,5985,210,300200,000399,408-4,810,892
11161,3673,231164,5985,048,932200,000439,638-4,609,294
12161,4753,123164,5984,887,457200,000479,921-4,407,536
21161,5833,015164,5984,725,874200,000520,258-4,205,616
2161,6912,907164,5984,564,184200,000560,649-4,003,535
3161,7982,800164,5984,402,386200,000601,093-3,801,293
4161,9062,692164,5984,240,480200,000641,592-3,598,888
5162,0142,584164,5984,078,466200,000682,144-3,396,322
6162,1212,477164,5983,916,345200,000722,752-3,193,593
7162,2292,369164,5983,754,116200,000763,414-2,990,702
8162,3372,261164,5983,591,779200,000804,131-2,787,649
9162,4442,154164,5983,429,335200,000844,903-2,584,432
10162,5522,046164,5983,266,783200,000885,731-2,381,052
11162,6601,938164,5983,104,123200,000926,614-2,177,509
12162,7671,831164,5982,941,356200,000967,553-1,973,803
31162,8751,723164,5982,778,481200,0001,008,548-1,769,933
2162,9831,615164,5982,615,498200,0001,049,600-1,565,899
3163,0901,508164,5982,452,408200,0001,090,708-1,361,700
4163,1981,400164,5982,289,210200,0001,131,872-1,157,337
5163,3061,292164,5982,125,904200,0001,173,094-952,810
6163,4131,185164,5981,962,490200,0001,214,373-748,118
7163,5211,077164,5981,798,969200,0001,255,709-543,260
8163,629969164,5981,635,340200,0001,297,103-338,237
9163,737861164,5981,471,604200,0001,338,555-133,049
10163,844754164,5981,307,760200,0001,380,06572,305
11163,952646164,5981,143,808200,0001,421,633277,826
12164,060538164,598979,748200,0001,463,260483,512
41164,167431164,598815,581200,0001,504,946689,365
2164,275323164,598651,306200,0001,546,691895,385
3164,383215164,598486,923200,0001,588,4951,101,572
4164,490108164,598322,433200,0001,630,3591,307,926
5164,5980164,598157,835200,0001,672,2821,514,447
6157,8350157,8350200,0001,721,1361,721,136
70000200,0001,928,0211,928,021
80000200,0002,135,7332,135,733
90000200,0002,344,2762,344,276
100000200,0002,553,6532,553,653
110000200,0002,763,8682,763,868
120000200,0002,974,9232,974,923
510000200,0003,186,8233,186,823
20000200,0003,399,5703,399,570
30000200,0003,613,1683,613,168
40000200,0003,827,6213,827,621
50000200,0004,042,9324,042,932
60000200,0004,259,1034,259,103
70000200,0004,476,1404,476,140
80000200,0004,694,0444,694,044
90000200,0004,912,8204,912,820
100000200,0005,132,4725,132,472
110000200,0005,353,0025,353,002
120000200,0005,574,4145,574,414
610000200,0005,796,7115,796,711
20000200,0006,019,8986,019,898
30000200,0006,243,9786,243,978
40000200,0006,468,9546,468,954
50000200,0006,694,8296,694,829
60000200,0006,921,6096,921,609
70000200,0007,149,2957,149,295
80000200,0007,377,8927,377,892
90000200,0007,607,4047,607,404
100000200,0007,837,8347,837,834
110000200,0008,069,1858,069,185
120000200,0008,301,4628,301,462
710000200,0008,534,6678,534,667
20000200,0008,768,8068,768,806
30000200,0009,003,8819,003,881
40000200,0009,239,8979,239,897
50000200,0009,476,8569,476,856
60000200,0009,714,7649,714,764
70000200,0009,953,6239,953,623
80000200,00010,193,43710,193,437
90000200,00010,434,21110,434,211
100000200,00010,675,94810,675,948
110000200,00010,918,65210,918,652
120000200,00011,162,32611,162,326
810000200,00011,406,97611,406,976
20000200,00011,652,60411,652,604
30000200,00011,899,21411,899,214
40000200,00012,146,81112,146,811
50000200,00012,395,39812,395,398
60000200,00012,644,98012,644,980
70000200,00012,895,56012,895,560
80000200,00013,147,14213,147,142
90000200,00013,399,73013,399,730
100000200,00013,653,32913,653,329
110000200,00013,907,94313,907,943
120000200,00014,163,57414,163,574
910000200,00014,420,22914,420,229
20000200,00014,677,91014,677,910
30000200,00014,936,62114,936,621
40000200,00015,196,36815,196,368
50000200,00015,457,15315,457,153
60000200,00015,718,98215,718,982
70000200,00015,981,85815,981,858
80000200,00016,245,78516,245,785
90000200,00016,510,76816,510,768
100000200,00016,776,81116,776,811
110000200,00017,043,91917,043,919
120000200,00017,312,09417,312,094
1010000200,00017,581,34317,581,343
20000200,00017,851,66817,851,668
30000200,00018,123,07518,123,075
40000200,00018,395,56718,395,567
50000200,00018,669,14918,669,149
60000200,00018,943,82618,943,826
70000200,00019,219,60119,219,601
80000200,00019,496,48019,496,480
90000200,00019,774,46619,774,466
100000200,00020,053,56320,053,563
110000200,00020,333,77820,333,778
120000200,00020,615,11320,615,113
1110000200,00020,897,57320,897,573
20000200,00021,181,16421,181,164
30000200,00021,465,88821,465,888
40000200,00021,751,75221,751,752
50000200,00022,038,75922,038,759
60000200,00022,326,91422,326,914
70000200,00022,616,22122,616,221
80000200,00022,906,68622,906,686
90000200,00023,198,31323,198,313
100000200,00023,491,10623,491,106
110000200,00023,785,07123,785,071
120000200,00024,080,21124,080,211
1210000200,00024,376,53224,376,532
20000200,00024,674,03824,674,038
30000200,00024,972,73424,972,734
40000200,00025,272,62525,272,625
50000200,00025,573,71625,573,716
60000200,00025,876,01025,876,010
70000200,00026,179,51526,179,515
80000200,00026,484,23326,484,233
90000200,00026,790,17026,790,170
100000200,00027,097,33027,097,330
110000200,00027,405,72027,405,720
120000200,00027,715,34227,715,342
1310000200,00028,026,20428,026,204
20000200,00028,338,30928,338,309
30000200,00028,651,66228,651,662
40000200,00028,966,26828,966,268
50000200,00029,282,13429,282,134
60000200,00029,599,26229,599,262
70000200,00029,917,65929,917,659
80000200,00030,237,33030,237,330
90000200,00030,558,27930,558,279
100000200,00030,880,51230,880,512
110000200,00031,204,03431,204,034
120000200,00031,528,85031,528,850
1410000200,00031,854,96631,854,966
20000200,00032,182,38632,182,386
30000200,00032,511,11532,511,115
40000200,00032,841,16032,841,160
50000200,00033,172,52433,172,524
60000200,00033,505,21433,505,214
70000200,00033,839,23533,839,235
80000200,00034,174,59234,174,592
90000200,00034,511,29134,511,291
100000200,00034,849,33634,849,336
110000200,00035,188,73335,188,733
120000200,00035,529,48835,529,488
1510000200,00035,871,60635,871,606
20000200,00036,215,09236,215,092
30000200,00036,559,95336,559,953
40000200,00036,906,19336,906,193
50000200,00037,253,81737,253,817
60000200,00037,602,83337,602,833
70000200,00037,953,24437,953,244
80000200,00038,305,05738,305,057
90000200,00038,658,27738,658,277
100000200,00039,012,91039,012,910
110000200,00039,368,96239,368,962
120000200,00039,726,43839,726,438
1610000200,00040,085,34340,085,343
20000200,00040,445,68540,445,685
30000200,00040,807,46840,807,468
40000200,00041,170,69741,170,697
50000200,00041,535,38041,535,380
60000200,00041,901,52241,901,522
70000200,00042,269,12842,269,128
80000200,00042,638,20442,638,204
90000200,00043,008,75743,008,757
100000200,00043,380,79243,380,792
110000200,00043,754,31543,754,315
120000200,00044,129,33344,129,333
1710000200,00044,505,85044,505,850
20000200,00044,883,87344,883,873
30000200,00045,263,40945,263,409
40000200,00045,644,46245,644,462
50000200,00046,027,04046,027,040
60000200,00046,411,14846,411,148
70000200,00046,796,79346,796,793
80000200,00047,183,98047,183,980
90000200,00047,572,71647,572,716
100000200,00047,963,00747,963,007
110000200,00048,354,85948,354,859
120000200,00048,748,27948,748,279
1810000200,00049,143,27249,143,272
20000200,00049,539,84549,539,845
30000200,00049,938,00449,938,004
40000200,00050,337,75650,337,756
50000200,00050,739,10750,739,107
60000200,00051,142,06451,142,064
70000200,00051,546,63251,546,632
80000200,00051,952,81851,952,818
90000200,00052,360,63052,360,630
100000200,00052,770,07252,770,072
110000200,00053,181,15253,181,152
120000200,00053,593,87753,593,877
1910000200,00054,008,25354,008,253
20000200,00054,424,28654,424,286
30000200,00054,841,98354,841,983
40000200,00055,261,35155,261,351
50000200,00055,682,39655,682,396
60000200,00056,105,12656,105,126
70000200,00056,529,54656,529,546
80000200,00056,955,66456,955,664
90000200,00057,383,48757,383,487
100000200,00057,813,02157,813,021
110000200,00058,244,27358,244,273
120000200,00058,677,25058,677,250
2010000200,00059,111,95959,111,959
20000200,00059,548,40759,548,407
30000200,00059,986,60159,986,601
40000200,00060,426,54760,426,547
50000200,00060,868,25360,868,253
60000200,00061,311,72661,311,726
70000200,00061,756,97361,756,973
80000200,00062,204,00162,204,001
90000200,00062,652,81762,652,817
100000200,00063,103,42863,103,428
110000200,00063,555,84263,555,842
120000200,00064,010,06564,010,065
2110000200,00064,466,10664,466,106
20000200,00064,923,97064,923,970
30000200,00065,383,66665,383,666
40000200,00065,845,20165,845,201
50000200,00066,308,58166,308,581
60000200,00066,773,81666,773,816
70000200,00067,240,91167,240,911
80000200,00067,709,87567,709,875
90000200,00068,180,71468,180,714
100000200,00068,653,43768,653,437
110000200,00069,128,05169,128,051
120000200,00069,604,56369,604,563
2210000200,00070,082,98170,082,981
20000200,00070,563,31370,563,313
30000200,00071,045,56671,045,566
40000200,00071,529,74971,529,749
50000200,00072,015,86872,015,868
60000200,00072,503,93172,503,931
70000200,00072,993,94772,993,947
80000200,00073,485,92373,485,923
90000200,00073,979,86673,979,866
100000200,00074,475,78674,475,786
110000200,00074,973,68974,973,689
120000200,00075,473,58475,473,584
2310000200,00075,975,47875,975,478
20000200,00076,479,38076,479,380
30000200,00076,985,29776,985,297
40000200,00077,493,23977,493,239
50000200,00078,003,21178,003,211
60000200,00078,515,22478,515,224
70000200,00079,029,28579,029,285
80000200,00079,545,40279,545,402
90000200,00080,063,58480,063,584
100000200,00080,583,83880,583,838
110000200,00081,106,17481,106,174
120000200,00081,630,59881,630,598
2410000200,00082,157,12182,157,121
20000200,00082,685,74982,685,749
30000200,00083,216,49283,216,492
40000200,00083,749,35883,749,358
50000200,00084,284,35684,284,356
60000200,00084,821,49384,821,493
70000200,00085,360,77985,360,779
80000200,00085,902,22285,902,222
90000200,00086,445,83186,445,831
100000200,00086,991,61486,991,614
110000200,00087,539,58187,539,581
120000200,00088,089,73988,089,739
2510000200,00088,642,09888,642,098
20000200,00089,196,66689,196,666
30000200,00089,753,45389,753,453
40000200,00090,312,46790,312,467
50000200,00090,873,71790,873,717
60000200,00091,437,21291,437,212
70000200,00092,002,96192,002,961
80000200,00092,570,97292,570,972
90000200,00093,141,25693,141,256
100000200,00093,713,82193,713,821
110000200,00094,288,67794,288,677
120000200,00094,865,83194,865,831


■パターン2(借り換え・返済期間延長を行う場合)
年目支払毎月の返済額返済後残高給与収入(仮)資産純資産
回数 (年利5%で運用時)(資産-返済後残高)
 元金利息返済額   
 (円)(円)(円)   
1119,5016,75326,2546,790,499-45,000-64,501-6,855,000
219,5216,73326,2546,770,978200,000115,720-6,655,258
319,5406,71426,2546,751,438200,000296,643-6,454,795
419,5596,69526,2546,731,879200,000478,270-6,253,609
519,5796,67526,2546,712,300200,000660,605-6,051,695
619,5986,65626,2546,692,702200,000843,649-5,849,053
719,6186,63626,2546,673,084200,0001,027,406-5,645,678
819,6376,61726,2546,653,447200,0001,211,878-5,441,569
919,6566,59826,2546,633,791200,0001,397,070-5,236,721
1019,6766,57826,2546,614,115200,0001,582,982-5,031,133
1119,6966,55826,2546,594,419200,0001,769,618-4,824,801
1219,7156,53926,2546,574,704200,0001,956,981-4,617,723
2119,7356,51926,2546,554,969200,0002,145,074-4,409,895
219,7546,50026,2546,535,215200,0002,333,901-4,201,314
319,7746,48026,2546,515,441200,0002,523,462-3,991,979
419,7936,46126,2546,495,648200,0002,713,763-3,781,885
519,8136,44126,2546,475,835200,0002,904,805-3,571,030
619,8336,42126,2546,456,002200,0003,096,591-3,359,411
719,8526,40226,2546,436,150200,0003,289,126-3,147,024
819,8726,38226,2546,416,278200,0003,482,410-2,933,868
919,8926,36226,2546,396,386200,0003,676,448-2,719,938
1019,9116,34326,2546,376,475200,0003,871,243-2,505,232
1119,9316,32326,2546,356,544200,0004,066,797-2,289,747
1219,9516,30326,2546,336,593200,0004,263,113-2,073,480
3119,9716,28326,2546,316,622200,0004,460,194-1,856,428
219,9916,26326,2546,296,631200,0004,658,044-1,638,587
320,0106,24426,2546,276,621200,0004,856,666-1,419,955
420,0306,22426,2546,256,591200,0005,056,063-1,200,528
520,0506,20426,2546,236,541200,0005,256,237-980,304
620,0706,18426,2546,216,471200,0005,457,192-759,279
720,0906,16426,2546,196,381200,0005,658,931-537,450
820,1106,14426,2546,176,271200,0005,861,457-314,814
920,1306,12426,2546,156,141200,0006,064,772-91,369
1020,1506,10426,2546,135,991200,0006,268,881132,890
1120,1706,08426,2546,115,821200,0006,473,787357,966
1220,1906,06426,2546,095,631200,0006,679,492583,861
4120,2106,04426,2546,075,421200,0006,886,000810,579
220,2306,02426,2546,055,191200,0007,093,3141,038,123
320,2506,00426,2546,034,941200,0007,301,4371,266,496
420,2705,98426,2546,014,671200,0007,510,3731,495,702
520,2905,96426,2545,994,381200,0007,720,1251,725,744
620,3105,94426,2545,974,071200,0007,930,6951,956,624
720,3305,92426,2545,953,741200,0008,142,0882,188,347
820,3505,90426,2545,933,391200,0008,354,3062,420,915
920,3715,88326,2545,913,020200,0008,567,3522,654,332
1020,3915,86326,2545,892,629200,0008,781,2312,888,602
1120,4115,84326,2545,872,218200,0008,995,9453,123,727
1220,4315,82326,2545,851,787200,0009,211,4983,359,711
5120,4515,80326,2545,831,336200,0009,427,8933,596,557
220,4725,78226,2545,810,864200,0009,645,1323,834,268
320,4925,76226,2545,790,372200,0009,863,2214,072,849
420,5125,74226,2545,769,860200,00010,082,1624,312,302
520,5335,72126,2545,749,327200,00010,301,9574,552,630
620,5535,70126,2545,728,774200,00010,522,6124,793,838
720,5735,68126,2545,708,201200,00010,744,1295,035,928
820,5945,66026,2545,687,607200,00010,966,5125,278,905
920,6145,64026,2545,666,993200,00011,189,7645,522,771
1020,6355,61926,2545,646,358200,00011,413,8885,767,530
1120,6555,59926,2545,625,703200,00011,638,8896,013,186
1220,6765,57826,2545,605,027200,00011,864,7686,259,741
6120,6965,55826,2545,584,331200,00012,091,5316,507,200
220,7175,53726,2545,563,614200,00012,319,1806,755,566
320,7375,51726,2545,542,877200,00012,547,7207,004,843
420,7585,49626,2545,522,119200,00012,777,1537,255,034
520,7785,47626,2545,501,341200,00013,007,4847,506,143
620,7995,45526,2545,480,542200,00013,238,7157,758,173
720,8205,43426,2545,459,722200,00013,470,8498,011,127
820,8405,41426,2545,438,882200,00013,703,8938,265,011
920,8615,39326,2545,418,021200,00013,937,8478,519,826
1020,8825,37226,2545,397,139200,00014,172,7178,775,578
1120,9025,35226,2545,376,237200,00014,408,5069,032,269
1220,9235,33126,2545,355,314200,00014,645,2179,289,903
7120,9445,31026,2545,334,370200,00014,882,8539,548,483
220,9655,28926,2545,313,405200,00015,121,4209,808,015
320,9855,26926,2545,292,420200,00015,360,92110,068,501
421,0065,24826,2545,271,414200,00015,601,35810,329,944
521,0275,22726,2545,250,387200,00015,842,73710,592,350
621,0485,20626,2545,229,339200,00016,085,06010,855,721
721,0695,18526,2545,208,270200,00016,328,33111,120,061
821,0905,16426,2545,187,180200,00016,572,55411,385,374
921,1115,14326,2545,166,069200,00016,817,73311,651,664
1021,1315,12326,2545,144,938200,00017,063,87311,918,935
1121,1525,10226,2545,123,786200,00017,310,97712,187,191
1221,1735,08126,2545,102,613200,00017,559,04812,456,435
8121,1945,06026,2545,081,419200,00017,808,09012,726,671
221,2155,03926,2545,060,204200,00018,058,10712,997,903
321,2365,01826,2545,038,968200,00018,309,10413,270,136
421,2584,99626,2545,017,710200,00018,561,08213,543,372
521,2794,97526,2544,996,431200,00018,814,04713,817,616
621,3004,95426,2544,975,131200,00019,068,00414,092,873
721,3214,93326,2544,953,810200,00019,322,95514,369,145
821,3424,91226,2544,932,468200,00019,578,90414,646,436
921,3634,89126,2544,911,105200,00019,835,85714,924,752
1021,3844,87026,2544,889,721200,00020,093,81715,204,096
1121,4064,84826,2544,868,315200,00020,352,78615,484,471
1221,4274,82726,2544,846,888200,00020,612,77015,765,882
9121,4484,80626,2544,825,440200,00020,873,77316,048,333
221,4694,78526,2544,803,971200,00021,135,79916,331,828
321,4914,76326,2544,782,480200,00021,398,85116,616,371
421,5124,74226,2544,760,968200,00021,662,93516,901,967
521,5334,72126,2544,739,435200,00021,928,05317,188,618
621,5554,69926,2544,717,880200,00022,194,21117,476,331
721,5764,67826,2544,696,304200,00022,461,41217,765,108
821,5974,65726,2544,674,707200,00022,729,66018,054,953
921,6194,63526,2544,653,088200,00022,998,96018,345,872
1021,6404,61426,2544,631,448200,00023,269,31618,637,868
1121,6624,59226,2544,609,786200,00023,540,73118,930,945
1221,6834,57126,2544,588,103200,00023,813,21119,225,108
10121,7054,54926,2544,566,398200,00024,086,75919,520,361
221,7264,52826,2544,544,672200,00024,361,38019,816,708
321,7484,50626,2544,522,924200,00024,637,07720,114,153
421,7694,48526,2544,501,155200,00024,913,85720,412,702
521,7914,46326,2544,479,364200,00025,191,72120,712,357
621,8124,44226,2544,457,552200,00025,470,67621,013,124
721,8344,42026,2544,435,718200,00025,750,72521,315,007
821,8564,39826,2544,413,862200,00026,031,87121,618,009
921,8774,37726,2544,391,985200,00026,314,12221,922,137
1021,8994,35526,2544,370,086200,00026,597,47922,227,393
1121,9214,33326,2544,348,165200,00026,881,94822,533,783
1221,9434,31126,2544,326,222200,00027,167,53322,841,311
11121,9644,29026,2544,304,258200,00027,454,23923,149,981
221,9864,26826,2544,282,272200,00027,742,07023,459,798
322,0084,24626,2544,260,264200,00028,031,03123,770,767
422,0304,22426,2544,238,234200,00028,321,12524,082,891
522,0524,20226,2544,216,182200,00028,612,35724,396,175
622,0734,18126,2544,194,109200,00028,904,73424,710,625
722,0954,15926,2544,172,014200,00029,198,25725,026,243
822,1174,13726,2544,149,897200,00029,492,93425,343,037
922,1394,11526,2544,127,758200,00029,788,76625,661,008
1022,1614,09326,2544,105,597200,00030,085,76025,980,163
1122,1834,07126,2544,083,414200,00030,383,92026,300,506
1222,2054,04926,2544,061,209200,00030,683,25126,622,042
12122,2274,02726,2544,038,982200,00030,983,75726,944,775
222,2494,00526,2544,016,733200,00031,285,44327,268,710
322,2713,98326,2543,994,462200,00031,588,31427,593,852
422,2933,96126,2543,972,169200,00031,892,37427,920,205
522,3153,93926,2543,949,854200,00032,197,62928,247,775
622,3383,91626,2543,927,516200,00032,504,08128,576,565
722,3603,89426,2543,905,156200,00032,811,73728,906,581
822,3823,87226,2543,882,774200,00033,120,60229,237,828
922,4043,85026,2543,860,370200,00033,430,68129,570,311
1022,4263,82826,2543,837,944200,00033,741,97829,904,034
1122,4493,80526,2543,815,495200,00034,054,49630,239,001
1222,4713,78326,2543,793,024200,00034,368,24330,575,219
13122,4933,76126,2543,770,531200,00034,683,22330,912,692
222,5153,73926,2543,748,016200,00034,999,44131,251,425
322,5383,71626,2543,725,478200,00035,316,90131,591,423
422,5603,69426,2543,702,918200,00035,635,60931,932,691
522,5823,67226,2543,680,336200,00035,955,56932,275,233
622,6053,64926,2543,657,731200,00036,276,78632,619,055
722,6273,62726,2543,635,104200,00036,599,26732,964,163
822,6503,60426,2543,612,454200,00036,923,01433,310,560
922,6723,58226,2543,589,782200,00037,248,03433,658,252
1022,6953,55926,2543,567,087200,00037,574,33134,007,244
1122,7173,53726,2543,544,370200,00037,901,91134,357,541
1222,7403,51426,2543,521,630200,00038,230,77934,709,149
14122,7623,49226,2543,498,868200,00038,560,94035,062,072
222,7853,46926,2543,476,083200,00038,892,39935,416,316
322,8073,44726,2543,453,276200,00039,225,16135,771,885
422,8303,42426,2543,430,446200,00039,559,23236,128,786
522,8533,40126,2543,407,593200,00039,894,61636,487,023
622,8753,37926,2543,384,718200,00040,231,31936,846,601
722,8983,35626,2543,361,820200,00040,569,34737,207,527
822,9213,33326,2543,338,899200,00040,908,70337,569,804
922,9433,31126,2543,315,956200,00041,249,39537,933,439
1022,9663,28826,2543,292,990200,00041,591,42638,298,436
1122,9893,26526,2543,270,001200,00041,934,80338,664,802
1223,0123,24226,2543,246,989200,00042,279,53039,032,541
15123,0353,21926,2543,223,954200,00042,625,61339,401,659
223,0573,19726,2543,200,897200,00042,973,05939,772,162
323,0803,17426,2543,177,817200,00043,321,87140,144,054
423,1033,15126,2543,154,714200,00043,672,05540,517,341
523,1263,12826,2543,131,588200,00044,023,61840,892,030
623,1493,10526,2543,108,439200,00044,376,56341,268,124
723,1723,08226,2543,085,267200,00044,730,89741,645,630
823,1953,05926,2543,062,072200,00045,086,62642,024,554
923,2183,03626,2543,038,854200,00045,443,75542,404,901
1023,2413,01326,2543,015,613200,00045,802,28942,786,676
1123,2642,99026,2542,992,349200,00046,162,23443,169,885
1223,2872,96726,2542,969,062200,00046,523,59643,554,534
16123,3102,94426,2542,945,752200,00046,886,38043,940,628
223,3332,92126,2542,922,419200,00047,250,59344,328,174
323,3562,89826,2542,899,063200,00047,616,23944,717,176
423,3802,87426,2542,875,683200,00047,983,32445,107,641
523,4032,85126,2542,852,280200,00048,351,85445,499,574
623,4262,82826,2542,828,854200,00048,721,83645,892,982
723,4492,80526,2542,805,405200,00049,093,27446,287,869
823,4722,78226,2542,781,933200,00049,466,17546,684,242
923,4962,75826,2542,758,437200,00049,840,54447,082,107
1023,5192,73526,2542,734,918200,00050,216,38747,481,469
1123,5422,71226,2542,711,376200,00050,593,71047,882,334
1223,5662,68826,2542,687,810200,00050,972,51948,284,709
17123,5892,66526,2542,664,221200,00051,352,82048,688,599
223,6122,64226,2542,640,609200,00051,734,62049,094,011
323,6362,61826,2542,616,973200,00052,117,92249,500,949
423,6592,59526,2542,593,314200,00052,502,73549,909,421
523,6832,57126,2542,569,631200,00052,889,06350,319,432
623,7062,54826,2542,545,925200,00053,276,91350,730,988
723,7302,52426,2542,522,195200,00053,666,29151,144,096
823,7532,50126,2542,498,442