Home loan

A home loan, also known as a debt or mortgage, is an amount of Bells that is required to pay off in order to purchase or expand a player's home. After the player pays off the mortgage once, the price will increase. Once the house is fully expanded and paid off, the player will usually get a reward. In, after the player pays off their mortgage, they will have a statue put up of them in front of the train station, the size and color of which depends on the order in which each of the four players accomplishes this. In, the player will additionally gain access to Animal Island (which, unlike , does not require a Game Boy Advance connection). In, the player will receive a flag in front of their house that custom designs can be placed on. Paying off the mortgage in unlocks theme challenges run by Lyle at the Happy Home Academy. In, paying off the final mortgage will cause any future exterior renovations to be completely free for the player. is the only game that does not feature a reward for the player after completing their mortgage.


 * Total Floorspace: 320m²


 * Total Wallspace: 142m


 * Total Furnishable Tiles: 462


 * Floorspace Cost: 23,737 Bells per m2


 * Tile Cost: 16,441 Bells per tile