Difference between revisions of "Home loan"

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(Corrected left room max storage capacity.)
 
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[[File:Mortgage gone.png|thumb|250px|A player after paying off all their mortgage]]
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{{Wrongpage|the loan required to expand the player's house|the house expansions themselves|Player house}}
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'''Mortgages''' are when the [[player]] has to pay for their house. After the mortgage is paid off, the player can expand their house. After the player pays off the mortgage once, the price goes up. [[Tom Nook]] will eventually say he can not expand any more. In the original game, after the player completes their mortage, they will have a statue put up in front of the train station. In {{CF}}, after the player completes their mortgage, he will give the player a flag.
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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}}]]
 +
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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== Required Amounts ==
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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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===Animal Crossing===
 
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*''Buying House'': 19,800 bells
 
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*''First Expansion'': 148,000 bells
 
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*''Basement'': 48,000 bells
 
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*''Second Expansion'': 398,000 bells
 
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*''Second Floor'': 798,000 bells
 
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*''Total Cost'': 1,410,800 Bells
 
  
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===Animal Crossing: Wild World===
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==Appearances==
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*''Buying House'': 19,800 bells
+
===In the first-generation games===
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*''First House Expansion'': 120,000 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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*''Second House Expansion'': 298,000 bells
 
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*''Upstairs Room'': 598,000 bells
 
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*''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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===Animal Crossing: City Folk===
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====In {{DnM|nolink}}====
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*''First House Expansion'': 19,800 bells
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In {{DnM}}, the player's house can only have one floor.
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*''Second House Expansion'': 120,000 bells
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{| class="styled color-gameplay"
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*''Second Floor'': 248,000 bells
+
|-
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*''Basement'': 368,000 bells
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! Purchase !! Cost !! Size
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*''Flagpole'': 598,000 bell
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|-
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*''Total Cost'': 1,353,800 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
 +
|-
 +
| First expansion || {{Currency|Bells|49800}} || 6 × 6
 +
|-
 +
| Second expansion || {{Currency|Bells|498000}} || 8 × 8
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|567600}}''' ||
 +
|}
  
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===Animal Crossing: New Leaf===
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====In {{DnM+|nolink}} and {{PG|nolink}}====
 +
{{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.
 +
{| class="styled color-gameplay"
 +
|-
 +
! Purchase !! Cost !! Size
 +
|-
 +
| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time}} || 4 × 4
 +
|-
 +
| First main room expansion || {{Currency|Bells|148000}} || 6 × 6
 +
|-
 +
| Second main room expansion || {{Currency|Bells|398000}} || 8 × 8
 +
|-
 +
| Basement || {{Currency|Bells|49800}} || 8 × 8
 +
|-
 +
| Second floor || {{Currency|Bells|798000}} || 6 × 6
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|1413600}}''' ||
 +
|}
  
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{{Stub}}
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====In {{DnMe+|nolink}}====
 +
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.
 +
{| class="styled color-gameplay"
 +
|-
 +
! Purchase !! Cost !! Size
 +
|-
 +
| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time}} || 4 × 4
 +
|-
 +
| First main room expansion || {{Currency|Bells|125000}} || 6 × 6
 +
|-
 +
| Second main room expansion || {{Currency|Bells|298000}} || 8 × 8
 +
|-
 +
| Basement || {{Currency|Bells|249000}} || 8 × 8
 +
|-
 +
| Second floor || {{Currency|Bells|598000}} || 6 × 6
 +
|-
 +
| [[Animal Island|Private island]] || {{Currency|Bells|998000}} || 8 × 8 cabana
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|2287800}}''' ||
 +
|}
  
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[[Category:Gameplay Elements]]
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===In {{WW|short|nolink}}===
 +
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.
 +
{| class="styled color-gameplay"
 +
|-
 +
! Purchase !! Cost !! Size
 +
|-
 +
| 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
 +
|-
 +
| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
 +
|-
 +
| Second main room expansion || {{Currency|Bells|298000}} ||  8 × 8
 +
|-
 +
| Second floor || {{Currency|Bells|598000}}|| 6 × 6
 +
|-
 +
| Left room || {{Currency|Bells|728000}}|| 6 × 6
 +
|-
 +
| Right room || {{Currency|Bells|848000}} || 6 × 6
 +
|-
 +
| Back room || {{Currency|Bells|948000}} || 6 × 6
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|3559800}}''' ||
 +
|}
 +
 
 +
===In {{CF|short|nolink}}===
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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]].
 +
{| class="styled color-gameplay"
 +
|-
 +
! Purchase !! Cost !! Size
 +
|-
 +
| Buying house || {{Currency|Bells|19800}}{{Note|name=ww-cf-part-time}} || 4 × 4
 +
|-
 +
| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
 +
|-
 +
| Second main room expansion || {{Currency|Bells|248000}} || 8 × 8
 +
|-
 +
| Second floor || {{Currency|Bells|368000}} || 6 × 6
 +
|-
 +
| Basement || {{Currency|Bells|598000}} || 8 × 8
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|1353800}}''' ||
 +
|}
 +
 
 +
===In {{NL|short|nolink}}===
 +
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]].
 +
{| class="styled color-gameplay"
 +
|-
 +
! Purchase !! Cost !! Size
 +
|-
 +
| Buying house || {{Currency|Bells|10000}} || 4 × 4
 +
|-
 +
| First main room expansion || {{Currency|Bells|98000}} || 6 × 6
 +
|-
 +
| Second main room expansion || {{Currency|Bells|198000}} || 8 × 8
 +
|-
 +
| 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
 +
|-
 +
| 1st second story expansion || {{Currency|Bells|498000}} || 6 × 6
 +
|-
 +
| 2nd second story expansion || {{Currency|Bells|598000}} || 8 × 8
 +
|-
 +
| Basement || {{Currency|Bells|428000}} || 4 × 4
 +
|-
 +
| 1st basement expansion || {{Currency|Bells|498000}} || 6 × 6
 +
|-
 +
| 2nd basement expansion || {{Currency|Bells|598000}} || 8 × 8
 +
|-
 +
| Left room || {{Currency|Bells|348000}} || 4 × 4
 +
|-
 +
| 1st left room expansion || {{Currency|Bells|498000}} || 6 × 6
 +
|-
 +
| 2nd left room expansion || {{Currency|Bells|598000}} || 8 × 8
 +
|-
 +
| Right room || {{Currency|Bells|348000}}|| 4 × 4
 +
|-
 +
| 1st right room expansion || {{Currency|Bells|498000}} || 6 × 6
 +
|-
 +
| 2nd right room expansion || {{Currency|Bells|598000}} || 8 × 8
 +
|-
 +
| Back room || {{Currency|Bells|348000}} || 4 × 4
 +
|-
 +
| 1st back room expansion || {{Currency|Bells|498000}} || 6 × 6
 +
|-
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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
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|7614000}}''' ||
 +
|}
 +
 
 +
*''Total floorspace'': 320m²
 +
 
 +
*''Total wallspace'': 142m
 +
 
 +
*''Total furnishable tiles'': 462
 +
 
 +
*''Floorspace cost'': 23,737 Bells per m<sup>2</sup>
 +
 
 +
*''Tile cost'': 16,441 Bells per tile
 +
 
 +
===In {{NH|short|nolink}}===
 +
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.
 +
{| class="styled color-gameplay"
 +
|-
 +
! Purchase !! Cost !! Size !! Storage slots
 +
|-
 +
| 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 || -
 +
|-
 +
| Buying a house || {{Currency|Bells|98000}}  || 6 × 6 || 80
 +
|-
 +
| Main room expansion || {{Currency|Bells|198000}}  || 8 × 8 || 120
 +
|-
 +
| Back room || {{Currency|Bells|348000}}  || 6 × 6 || 240
 +
|-
 +
| Left room || {{Currency|Bells|548000}}  || 6 × 6 || 320
 +
|-
 +
| Right room || {{Currency|Bells|758000}}  || 6 × 6 || 400
 +
|-
 +
| Second floor || {{Currency|Bells|1248000}}  || 10 × 6 || 800
 +
|-
 +
| Basement || {{Currency|Bells|2498000}}  || 10 × 6 || 1,600
 +
|-
 +
| 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
 +
|-
 +
| Second storage expansion{{Note|name=2.0|Added in {{NHVer|2.0}}}} || {{Currency|Bells|700000}}{{Note|name=Up-front}}  || - || 3,200
 +
|-
 +
| Third storage expansion{{Note|name=2.0}} || {{Currency|Bells|900000}}{{Note|name=Up-front}}  || - || 4,000
 +
|-
 +
| Fourth storage expansion{{Note|name=2.0}} || {{Currency|Bells|1200000}}{{Note|name=Up-front}}  || - || 5,000
 +
|-
 +
| '''''Total''''' || '''{{Currency|Bells|8996000}} ''' || ||
 +
|}
 +
 
 +
==Gallery==
 +
<gallery>
 +
House PG Icon.png|Icon displayed when paying off the home loan in {{PG}}
 +
PG Golden Statue Train Station.png|A player's statue in {{PG|nolink}} received after paying off all home loans
 +
CF Loan Paid Off.png|A player after paying off their home loan in {{CF|short}}
 +
CF Tom Nook Loan Paid Off.jpg|A player talking to Tom Nook after paying off their home loan in {{CF|short|nolink}}
 +
NL Loan Paid Off.jpg|A player after paying off their home loan in {{NL|short}}
 +
NL Home Loan Fully Paid Off.jpg|A player talking to Tom Nook after fully paying off their loan in {{NL|short|nolink}}
 +
PC Full Loan.png|A player after paying off their loan in {{PC|short}}
 +
NH Itemized Bill.gif|Tom Nook handing the player their loan in {{NH|short}}
 +
</gallery>
 +
 
 +
==Notes==
 +
{{Note list}}
 +
 
 +
{{Navbox Gameplay elements}}

Latest revision as of 23:22, February 21, 2024

This article is about the loan required to expand the player's house. For the house expansions themselves, see Player house.
A player after fully paying off their home loan in New Horizons

A home loan, also known as a debt or mortgage, is an amount of Bells that is required to pay off to purchase or expand a player's 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.

In games prior to Animal Crossing: New Leaf, a portion of the initial home loan is automatically paid off after the player completes their part-time job at Tom Nook's store.

Appearances[edit]

In the first-generation games[edit]

In every 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.

In Doubutsu no Mori[edit]

In Doubutsu no Mori, the player's house can only have one floor.

Purchase Cost Size
Buying house  19,800 Bells[nb 1] 4 × 4
First expansion  49,800 Bells 6 × 6
Second expansion  498,000 Bells 8 × 8
Total  567,600 Bells

In Doubutsu no Mori+ and Animal Crossing[edit]

Doubutsu no Mori+ and Animal Crossing 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.

Purchase Cost Size
Buying house  19,800 Bells[nb 1] 4 × 4
First main room expansion  148,000 Bells 6 × 6
Second main room expansion  398,000 Bells 8 × 8
Basement  49,800 Bells 8 × 8
Second floor  798,000 Bells 6 × 6
Total  1,413,600 Bells

In Doubutsu no Mori e+[edit]

In Doubutsu no Mori e+, 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.

Purchase Cost Size
Buying house  19,800 Bells[nb 1] 4 × 4
First main room expansion  125,000 Bells 6 × 6
Second main room expansion  298,000 Bells 8 × 8
Basement  249,000 Bells 8 × 8
Second floor  598,000 Bells 6 × 6
Private island  998,000 Bells 8 × 8 cabana
Total  2,287,800 Bells

In Wild World[edit]

In Animal Crossing: Wild World, 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.

Purchase Cost Size
Buying house  19,800 Bells[nb 2] 4 × 4
First main room expansion  120,000 Bells 6 × 6
Second main room expansion  298,000 Bells 8 × 8
Second floor  598,000 Bells 6 × 6
Left room  728,000 Bells 6 × 6
Right room  848,000 Bells 6 × 6
Back room  948,000 Bells 6 × 6
Total  3,559,800 Bells

In City Folk[edit]

In Animal Crossing: City Folk, 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 house.

Purchase Cost Size
Buying house  19,800 Bells[nb 2] 4 × 4
First main room expansion  120,000 Bells 6 × 6
Second main room expansion  248,000 Bells 8 × 8
Second floor  368,000 Bells 6 × 6
Basement  598,000 Bells 8 × 8
Total  1,353,800 Bells

In New Leaf[edit]

In Animal Crossing: New Leaf, 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.

Purchase Cost Size
Buying house  10,000 Bells 4 × 4
First main room expansion  98,000 Bells 6 × 6
Second main room expansion  198,000 Bells 8 × 8
Second floor[nb 3]  298,000 Bells 4 × 4
1st second story expansion  498,000 Bells 6 × 6
2nd second story expansion  598,000 Bells 8 × 8
Basement  428,000 Bells 4 × 4
1st basement expansion  498,000 Bells 6 × 6
2nd basement expansion  598,000 Bells 8 × 8
Left room  348,000 Bells 4 × 4
1st left room expansion  498,000 Bells 6 × 6
2nd left room expansion  598,000 Bells 8 × 8
Right room  348,000 Bells 4 × 4
1st right room expansion  498,000 Bells 6 × 6
2nd right room expansion  598,000 Bells 8 × 8
Back room  348,000 Bells 4 × 4
1st back room expansion  498,000 Bells 6 × 6
2nd back room expansion  598,000 Bells 8 × 8
Secret Storeroom[nb 4]  158,000 Bells N/A
Total  7,614,000 Bells
  • Total floorspace: 320m²
  • Total wallspace: 142m
  • Total furnishable tiles: 462
  • Floorspace cost: 23,737 Bells per m2
  • Tile cost: 16,441 Bells per tile

In New Horizons[edit]

In Animal Crossing: New Horizons, 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 exterior renovations for free. The number of items the player can 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.

Purchase Cost Size Storage slots
Buying a tent  5,000 Nook Miles[nb 5] 4 × 4 -
Buying a house  98,000 Bells 6 × 6 80
Main room expansion  198,000 Bells 8 × 8 120
Back room  348,000 Bells 6 × 6 240
Left room  548,000 Bells 6 × 6 320
Right room  758,000 Bells 6 × 6 400
Second floor  1,248,000 Bells 10 × 6 800
Basement  2,498,000 Bells 10 × 6 1,600
First storage expansion[nb 6]  500,000 Bells[nb 7] - 2,400
Second storage expansion[nb 8]  700,000 Bells[nb 7] - 3,200
Third storage expansion[nb 8]  900,000 Bells[nb 7] - 4,000
Fourth storage expansion[nb 8]  1,200,000 Bells[nb 7] - 5,000
Total  8,996,000 Bells

Gallery[edit]

  • Icon displayed when paying off the home loan in Animal Crossing

  • A player's statue in Animal Crossing received after paying off all home loans

  • A player after paying off their home loan in City Folk

  • A player talking to Tom Nook after paying off their home loan in City Folk

  • A player after paying off their home loan in New Leaf

  • A player talking to Tom Nook after fully paying off their loan in New Leaf

  • A player after paying off their loan in Pocket Camp

  • Tom Nook handing the player their loan in New Horizons

Notes[edit]

  1. ↑ 1.0 1.1 1.2 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.
  2. ↑ 2.0 2.1 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.
  3. ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
  4. ↑ Added in Welcome amiibo
  5. ↑ The cost of  49,800 Bells 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.
  6. ↑ Added in 1.6.0
  7. ↑ 7.0 7.1 7.2 7.3 Paid in whole directly to Tom Nook.
  8. ↑ 8.0 8.1 8.2 Added in 2.0


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