Editing Home loan

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{{Wrongpage|the loan required to expand the player's house|the house expansions themselves|Player house}}
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[[File:House PG Icon.png|left]]
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[[File:NH Final Loan Paid Off.jpg|thumb|right|300px|A player after fully paying off their home loan in {{NH|short|nolink}}]]
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[[File:Payed Off Home Loan.jpg|thumb|250px|A player after paying off their home loan in {{NL|nolink}}.]]
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A '''home loan''', also known as a '''debt''' or '''mortgage''', is an amount of [[Bell]]s that is required to pay off to purchase or expand a [[player]]'s [[player house|home]]. After the player pays off the loan once, their home will be expanded again and they will be given a new loan. Once the house is fully expanded, the player will usually get a reward for paying off the final loan.
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A '''mortgage''', also known as a '''debt''' or '''loan''', is an amount of bells that is required to pay off in order to buy and expand a [[player]]'s [[house (player)|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 {{PG}}, after the player pays off their mortage, they will have a statue put up of them in front of the train station. In {{CF}}, the player will receive a flag in front of their house that [[custom design]]s can be placed on. Paying off the mortgage in {{NL}} unlocks theme challenges run by [[Lyle]] at the [[Happy Home Academy]].
  
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In games prior to {{NL}}, a portion of the initial home loan is automatically paid off after the player completes their [[part-time job]] at [[Tom Nook's store]].
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== Required Amounts ==
 +
===Animal Crossing===
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*''Buying House'': 19,800 bells
 +
*''First Expansion'': 148,000 bells
 +
*''Basement'': 48,000 bells
 +
*''Second Expansion'': 398,000 bells
 +
*''Second Floor'': 798,000 bells
 +
*''Total Cost'': 1,410,800 Bells
  
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==Appearances==
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===Animal Crossing: Wild World===
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===In the first-generation games===
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*''Buying House'': 19,800 bells
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In every [[First generation|first-generation ''Animal Crossing'' game]], the home loan can be paid off by speaking to [[Pelly]] or [[Phyllis]] at the [[post office]]. Additionally, the player cannot deposit their Bells into their [[savings]] until their home loan is fully paid off, and fully paying off the home loan results in a statue of the player being placed outside the [[train station]]. The statue changes size and color based on the order each of the four players in the town pay it off: the first player to pay off their home loan receives a golden statue, the second player a silver statue, the third player a bronze statue, and the fourth player a jade statue.
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*''First House Expansion'': 120,000 bells
 +
*''Second House Expansion'': 298,000 bells
 +
*''Upstairs Room'': 598,000 bells
 +
*''Left Room'': 728,000 bells
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*''Right Room'': 848,000 bells
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*''Back Room'': 948,000 bells
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*''Total Cost'': 3,559,800 Bells.
  
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====In {{DnM|nolink}}====
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===Animal Crossing: City Folk===
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In {{DnM}}, the player's house can only have one floor.
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*''Buying House'': 19,800 bells
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{| class="styled color-gameplay"
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*''First House Expansion'': 120,000 bells
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|-
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*''Second House Expansion'': 248,000 bells
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! Purchase !! Cost !! Size
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*''Second Floor'': 368,000 bells
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|-
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*''Basement'': 598,000 bells
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| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time|The player gives [[Tom Nook]] 1,000 Bells upon choosing their house, and completing the [[part-time job]] pays off 1,400 Bells of the debt, leaving the amount to be paid off at 17,400 Bells.}} || 4 × 4
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*''Total Cost'': 1,353,800 bells
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|-
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| First expansion || {{Currency|Bells|49800}} || 6 × 6
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===Animal Crossing: New Leaf===
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|-
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*'''Buying House''': 10,000 bells
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| Second expansion || {{Currency|Bells|498000}} || 8 × 8
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|-
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*''First Expansion'': 98,000 bells
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| '''''Total''''' || '''{{Currency|Bells|567600}}''' ||
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|}
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*''Second Expansion'': 198,000 bells
 +
 
 +
*'''Second Floor''': 298,000 bells
 +
 
 +
After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order:
 +
 
 +
*''1st Second Story Expansion'': 498,000 bells (upgraded to 6 by 6 squares)
 +
 
 +
*''2nd Second Story Expansion'': 598,000 bells (upgraded to 8 by 8 squares)
 +
 
 +
*'''Basement''': 428,000 bells (4 by 4 squares)
 +
 
 +
*''1st Basement Expansion'': 498,000 bells (upgraded to 6 by 6 squares)
 +
 
 +
*''2nd Basement Expansion'': 598,000 bells (upgraded to 8 by 8 squares)
 +
 
 +
*'''Ground Floor Left Room''': 348,000 bells (4 by 4 squares)
 +
 
 +
*''1st Ground Floor Left Room Expansion'': 498,000 bells (upgraded to 6 by 6 squares)
 +
 
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*''2nd Ground Floor Left Room Expansion'': 598,000 bells (upgraded to 8 by 8 squares)
 +
 
 +
*'''Ground Floor Right Room''': 348,000 bells (4 by 4 squares)
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*''1st Ground Floor Right Room Expansion'': 498,000 bells (upgraded to 6 by 6 squares)
 +
 
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*''2nd Ground Floor Right Room Expansion'': 598,000 bells (upgraded to 8 by 8 squares)
 +
 
 +
*'''Ground Floor Back Room''': 348,000 bells (4 by 4 squares)
  
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====In {{DnM+|nolink}} and {{PG|nolink}}====
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*''1st Ground Floor Back Room Expansion'': 498,000 bells (upgraded to 6 by 6 squares)
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{{DnM+}} and {{PG}} introduce the ability to add a second floor and basement to the player's house. After expanding the first floor once, the player can choose between the second first-floor expansion and a basement. The next expansion built is the one not chosen the previous time.
 
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{| class="styled color-gameplay"
 
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|-
 
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! Purchase !! Cost !! Size
 
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|-
 
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| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time}} || 4 × 4
 
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|-
 
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| First main room expansion || {{Currency|Bells|148000}} || 6 × 6
 
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|-
 
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| Second main room expansion || {{Currency|Bells|398000}} || 8 × 8
 
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|-
 
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| Basement || {{Currency|Bells|49800}} || 8 × 8
 
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|-
 
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| Second floor || {{Currency|Bells|798000}} || 6 × 6
 
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|-
 
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| '''''Total''''' || '''{{Currency|Bells|1413600}}''' ||
 
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|}
 
  
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====In {{DnMe+|nolink}}====
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*''2nd Ground Floor Back Room Expansion'': 598,000 bells (upgraded to 8 by 8 squares)
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In {{DnMe+}}, fully paying off the player's home loan gives them access to [[Animal Island]]. Each player has their own island, with the option to allow other players to visit theirs.
 
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{| class="styled color-gameplay"
 
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|-
 
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! Purchase !! Cost !! Size
 
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|-
 
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| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time}} || 4 × 4
 
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|-
 
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| First main room expansion || {{Currency|Bells|125000}} || 6 × 6
 
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|-
 
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| Second main room expansion || {{Currency|Bells|298000}} || 8 × 8
 
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|-
 
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| Basement || {{Currency|Bells|249000}} || 8 × 8
 
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|-
 
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| Second floor || {{Currency|Bells|598000}} || 6 × 6
 
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|-
 
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| [[Animal Island|Private island]] || {{Currency|Bells|998000}} || 8 × 8 cabana
 
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|-
 
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| '''''Total''''' || '''{{Currency|Bells|2287800}}''' ||
 
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|}
 
  
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===In {{WW|short|nolink}}===
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*''Total Cost'': 7,595,800 Bells
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In {{WW}}, the home loan can be paid off by speaking to Pelly or Phyllis at [[town hall]]. Unlike in all other games, there is no reward for fully paying off the player's house.
 
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{| class="styled color-gameplay"
 
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|-
 
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! Purchase !! Cost !! Size
 
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|-
 
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| Buying house || {{Currency|Bells|19800}}{{Note|name=ww-cf-part-time|Completing the part-time job for Tom Nook pays off 1,400 Bells of the debt, leaving the amount to be paid off at 18,400 Bells.}} || 4 × 4
 
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|-
 
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| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
 
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|-
 
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| Second main room expansion || {{Currency|Bells|298000}} ||  8 × 8
 
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|-
 
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| Second floor || {{Currency|Bells|598000}}|| 6 × 6
 
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|-
 
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| Left room || {{Currency|Bells|728000}}|| 6 × 6
 
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|-
 
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| Right room || {{Currency|Bells|848000}} || 6 × 6
 
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|-
 
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| Back room || {{Currency|Bells|948000}} || 6 × 6
 
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|-
 
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| '''''Total''''' || '''{{Currency|Bells|3559800}}''' ||
 
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|}
 
  
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===In {{CF|short|nolink}}===
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*''Total Floorspace'': 320m²
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In {{CF}}, the home loan can be paid off from the ABD in town hall. Fully paying off the home loan results in a [[flag]] being placed in front of the player's [[Player house|house]].
 
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{| class="styled color-gameplay"
 
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|-
 
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! Purchase !! Cost !! Size
 
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|-
 
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| Buying house || {{Currency|Bells|19800}}{{Note|name=ww-cf-part-time}} || 4 × 4
 
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|-
 
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| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
 
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|-
 
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| Second main room expansion || {{Currency|Bells|248000}} || 8 × 8
 
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|-
 
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| Second floor || {{Currency|Bells|368000}} || 6 × 6
 
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|-
 
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| Basement || {{Currency|Bells|598000}} || 8 × 8
 
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|-
 
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| '''''Total''''' || '''{{Currency|Bells|1353800}}''' ||
 
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|}
 
  
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===In {{NL|short|nolink}}===
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*''Total Wallspace'': 142m
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In {{NL}}, the home loan can be paid off from the ABD in the post office. Fully paying off the home loan unlocks theme challenges run by [[Lyle]] at the [[Happy Home Academy]].
 
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{| class="styled color-gameplay"
 
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|-
 
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! Purchase !! Cost !! Size
 
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|-
 
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| Buying house || {{Currency|Bells|10000}} || 4 × 4
 
−
|-
 
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| First main room expansion || {{Currency|Bells|98000}} || 6 × 6
 
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|-
 
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| Second main room expansion || {{Currency|Bells|198000}} || 8 × 8
 
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|-
 
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| Second floor{{Note|After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.}} || {{Currency|Bells|298000}} || 4 × 4
 
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|-
 
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| 1st second story expansion || {{Currency|Bells|498000}} || 6 × 6
 
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|-
 
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| 2nd second story expansion || {{Currency|Bells|598000}} || 8 × 8
 
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|-
 
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| Basement || {{Currency|Bells|428000}} || 4 × 4
 
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|-
 
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| 1st basement expansion || {{Currency|Bells|498000}} || 6 × 6
 
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|-
 
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| 2nd basement expansion || {{Currency|Bells|598000}} || 8 × 8
 
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|-
 
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| Left room || {{Currency|Bells|348000}} || 4 × 4
 
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|-
 
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| 1st left room expansion || {{Currency|Bells|498000}} || 6 × 6
 
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|-
 
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| 2nd left room expansion || {{Currency|Bells|598000}} || 8 × 8
 
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|-
 
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| Right room || {{Currency|Bells|348000}}|| 4 × 4
 
−
|-
 
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| 1st right room expansion || {{Currency|Bells|498000}} || 6 × 6
 
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|-
 
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| 2nd right room expansion || {{Currency|Bells|598000}} || 8 × 8
 
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|-
 
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| Back room || {{Currency|Bells|348000}} || 4 × 4
 
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|-
 
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| 1st back room expansion || {{Currency|Bells|498000}} || 6 × 6
 
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|-
 
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| 2nd back room expansion || {{Currency|Bells|598000}} || 8 × 8
 
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|-
 
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| [[Secret Storeroom]]{{Note|Added in {{NLWa|short}}}} || {{Currency|Bells|158000}} || N/A
 
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|-
 
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| '''''Total''''' || '''{{Currency|Bells|7614000}}''' ||
 
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|}
 
  
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*''Total floorspace'': 320m²
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*''Total Furnishable Tiles'': 462
  
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*''Total wallspace'': 142m
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*''Floorspace Cost'': 23,737 Bells per m²
  
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*''Total furnishable tiles'': 462
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*''Tile Cost'': 16,441 Bells per tile
  
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*''Floorspace cost'': 23,737 Bells per m<sup>2</sup>
 
  
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*''Tile cost'': 16,441 Bells per tile
 
  
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===In {{NH|short|nolink}}===
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===Animal Crossing: New Horizons===
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In {{NH}}, the home loan can be paid off from the ABD in the [[Nook Stop]] in [[Resident Services]]. Fully paying off the home loan allows the player to make any future [[House customization|exterior renovations]] for free. The number of items the player can [[storage|store]] in their home increases each time the home is expanded, and after it is fully expanded, the player can pay additional up-front fees to [[Tom Nook]] to further expand their storage.
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{| class="wikitable sortable"
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{| class="styled color-gameplay"
 
 
|-
 
|-
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! Purchase !! Cost !! Size !! Storage slots
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! Purchase !! Mortgage Cost !! Size
 
|-
 
|-
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| Buying a tent || {{Currency|Nook Miles|5000}}{{Note|The cost of {{currency|Bells|49800}} is nominal; regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player does not have any Bells yet, they will be enrolled to pay off the initial fees using [[Nook Miles]].}}|| 4 × 4 || -
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| Buying a Tent || 5,000 [[Nook Miles]] / 49,800 Bells<ref>The Bell cost is nominal; the tent can only be payed off using [[Nook Miles]].</ref> || 4 × 4
 
|-
 
|-
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| Buying a house || {{Currency|Bells|98000}}  || 6 × 6 || 80
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| Buying a House || 98,000 Bells || 6 × 6
 
|-
 
|-
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| Main room expansion || {{Currency|Bells|198000}}  || 8 × 8 || 120
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| First House Expansion || 198,000 Bells || 8 × 8
 
|-
 
|-
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| Back room || {{Currency|Bells|348000}}  || 6 × 6 || 240
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| Back room || 348,000 Bells || 6 × 6
 
|-  
 
|-  
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| Left room || {{Currency|Bells|548000}}  || 6 × 6 || 320
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| Left room || 548,000 Bells || 6 × 6
 
|-  
 
|-  
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| Right room || {{Currency|Bells|758000}}  || 6 × 6 || 400
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| Right room || 758,000 Bells || 6 × 6
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|-
 
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| Second floor || {{Currency|Bells|1248000}}  || 10 × 6 || 800
 
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|-
 
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| Basement || {{Currency|Bells|2498000}}  || 10 × 6 || 1,600
 
−
|-
 
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| First storage expansion{{Note|Added in {{NHVer|1.6.0}}}} || {{Currency|Bells|500000}}{{Note|name=Up-front|Paid in whole directly to Tom Nook.}} || - || 2,400
 
 
|-
 
|-
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| Second storage expansion{{Note|name=2.0|Added in {{NHVer|2.0}}}} || {{Currency|Bells|700000}}{{Note|name=Up-front}}  || - || 3,200
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| '''Second floor''' || 1,248,000 Bells || 12 × 6
 
|-
 
|-
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| Third storage expansion{{Note|name=2.0}} || {{Currency|Bells|900000}}{{Note|name=Up-front}}  || - || 4,000
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| '''Basement''' ||| 2,498,000 Bells || 12 × 6
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|-
 
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| Fourth storage expansion{{Note|name=2.0}} || {{Currency|Bells|1200000}}{{Note|name=Up-front}}  || - || 5,000
 
−
|-
 
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| '''''Total''''' || '''{{Currency|Bells|8996000}} ''' || ||  
 
 
|}
 
|}
  
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==Gallery==
+
{{reflist}}
 +
 
 +
== Gallery ==
 +
<center>
 
<gallery>
 
<gallery>
−
House PG Icon.png|Icon displayed when paying off the home loan in {{PG}}
+
Tom Nook Loan Paid Off (City Folk).jpg|A player talking to Tom Nook after paying off their home loan in {{CF|nolink}}.
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PG Golden Statue Train Station.png|A player's statue in {{PG|nolink}} received after paying off all home loans
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Mortgage_gone.png|A player after paying off their home loan in {{CF|nolink}}.
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CF Loan Paid Off.png|A player after paying off their home loan in {{CF|short}}
+
Home Loan Fully Paid Off (New Leaf).jpg|A player talking to Tom Nook after completely paying off their loan in {{NL|nolink}}.
−
CF Tom Nook Loan Paid Off.jpg|A player talking to Tom Nook after paying off their home loan in {{CF|short|nolink}}
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</gallery></center>
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NL Loan Paid Off.jpg|A player after paying off their home loan in {{NL|short}}
 
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NL Home Loan Fully Paid Off.jpg|A player talking to Tom Nook after fully paying off their loan in {{NL|short|nolink}}
 
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PC Full Loan.png|A player after paying off their loan in {{PC|short}}
 
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NH Itemized Bill.gif|Tom Nook handing the player their loan in {{NH|short}}
 
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</gallery>
 
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==Notes==
 
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{{Note list}}
 
  
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{{Navbox Gameplay elements}}
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[[Category:Gameplay Elements]]

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