Difference between revisions of "Home loan"

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(→‎Required Amounts: Gave {{DnM}} its own section, referencing the numbers i see in [https://www.youtube.com/watch?v=keUAVwtfymw this video])
(→‎Required Amounts: : put NL info into table)
Line 9: Line 9:
 
! Purchase !! Mortgage Cost !! Size
 
! Purchase !! Mortgage Cost !! Size
 
|-
 
|-
−
| Buying house || 19,800 Bells ||
+
| Buying house || 19,800 [[Bells]] ||
 
|-
 
|-
−
| First expansion || 49,800 Bells ||
+
| First expansion || 49,800 [[Bells]] ||
 
|-
 
|-
−
| Second expansion || 498,000 Bells ||  
+
| Second expansion || 498,000 [[Bells]] ||  
 
|-
 
|-
−
| '''''Total''''' || '''567,600 Bells''' ||  
+
| '''''Total''''' || '''567,600 [[Bells]]''' ||  
 
|}
 
|}
  
Line 23: Line 23:
 
! Purchase !! Mortgage Cost !! Size
 
! Purchase !! Mortgage Cost !! Size
 
|-
 
|-
−
| Buying house || 19,800 Bells ||
+
| Buying house || 19,800 [[Bells]] ||
 
|-
 
|-
−
| First main room expansion || 148,000 Bells ||
+
| First main room expansion || 148,000 [[Bells]] ||
 
|-
 
|-
−
| Basement || 48,000 Bells ||  
+
| Basement || 48,000 [[Bells]] ||  
 
|-
 
|-
−
| Second main room expansion || 398,000 Bells ||  
+
| Second main room expansion || 398,000 [[Bells]] ||  
 
|-
 
|-
−
| Second floor || 798,000 Bells ||  
+
| Second floor || 798,000 [[Bells]] ||  
 
|-
 
|-
−
| '''''Total''''' || '''1,410,800 Bells''' ||  
+
| '''''Total''''' || '''1,410,800 [[Bells]]''' ||  
 
|}
 
|}
  
Line 41: Line 41:
 
! Purchase !! Mortgage Cost !! Size
 
! Purchase !! Mortgage Cost !! Size
 
|-
 
|-
−
| Buying house || 19,800 Bells || 4 x 4
+
| Buying house || 19,800 [[Bells]] || 4 x 4
 
|-
 
|-
−
| First main room expansion || 120,000 Bells || 6 x 6
+
| First main room expansion || 120,000 [[Bells]] || 6 x 6
 
|-
 
|-
−
| Second main room expansion || 298,000 Bells ||  8 x 8
+
| Second main room expansion || 298,000 [[Bells]] ||  8 x 8
 
|-
 
|-
−
| Second floor || 598,000 Bells || 6 x 6
+
| Second floor || 598,000 [[Bells]] || 6 x 6
 
|-
 
|-
−
| Left room || 728,000 Bells || 6 x 6
+
| Left room || 728,000 [[Bells]] || 6 x 6
 
|-
 
|-
−
| Right room || 848,000 Bells || 6 x 6
+
| Right room || 848,000 [[Bells]] || 6 x 6
 
|-
 
|-
−
| Back room || 948,000 Bells || 6 x 6
+
| Back room || 948,000 [[Bells]] || 6 x 6
 
|-
 
|-
−
| '''''Total''''' || '''3,559,800 Bells''' ||  
+
| '''''Total''''' || '''3,559,800 [[Bells]]''' ||  
 
|}
 
|}
  
Line 63: Line 63:
 
! Purchase !! Mortgage Cost !! Size
 
! Purchase !! Mortgage Cost !! Size
 
|-
 
|-
−
| Buying house || 19,800 Bells ||
+
| Buying house || 19,800 [[Bells]] ||
 
|-
 
|-
−
| First main room expansion || 120,000 Bells ||
+
| First main room expansion || 120,000 [[Bells]] ||
 
|-
 
|-
−
| Second main room Expansion || 248,000 Bells ||  
+
| Second main room Expansion || 248,000 [[Bells]] ||  
 
|-
 
|-
−
| Second floor || 368,000 Bells ||  
+
| Second floor || 368,000 [[Bells]] ||  
 
|-
 
|-
−
| Basement || 598,000 Bells ||  
+
| Basement || 598,000 [[Bells]] ||  
 
|-
 
|-
−
| '''''Total''''' || '''1,353,800 Bells''' ||  
+
| '''''Total''''' || '''1,353,800 [[Bells]]''' ||  
 
|}
 
|}
  
 
==={{NL|nolink}}===
 
==={{NL|nolink}}===
−
*'''Buying House''': 10,000 Bells
+
{| class="wikitable sortable"
−
 
+
|-
−
*''First Expansion'': 98,000 Bells
+
! Purchase !! Mortgage Cost !! Size
−
 
+
|-
−
*''Second Expansion'': 198,000 Bells
+
| Buying house || 10,000 [[Bells]] || 4 x 4
−
 
+
|-
−
*'''Second Floor''': 298,000 Bells
+
| First main room expansion || 98,000 [[Bells]] || 6 x 6
−
 
+
|-
−
After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order:
+
| Second main room Expansion || 198,000 [[Bells]] || 8 x 8
−
 
+
|-
−
*''1st Second Story Expansion'': 498,000 Bells (upgraded to 6 by 6 squares)
+
| Second floor || 298,000 [[Bells]] || 4 x 4{{Note|After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.}}
−
 
+
|-
−
*''2nd Second Story Expansion'': 598,000 Bells (upgraded to 8 by 8 squares)
+
| 1st Second Story Expansion || 498,000 [[Bells]] || 6 x 6
−
 
+
|-
−
*'''Basement''': 428,000 Bells (4 by 4 squares)
+
| 2nd Second Story Expansion || 598,000 [[Bells]] || 8 x 8
−
 
+
|-
−
*''1st Basement Expansion'': 498,000 Bells (upgraded to 6 by 6 squares)
+
| Basement || 428,000 [[Bells]] || 4 x 4
−
 
+
|-
−
*''2nd Basement Expansion'': 598,000 Bells (upgraded to 8 by 8 squares)
+
| 1st Basement Expansion || 498,000 [[Bells]] || 6 x 6
−
 
+
|-
−
*'''Ground Floor Left Room''': 348,000 Bells (4 by 4 squares)
+
| 2nd Basement Expansion || 598,000 [[Bells]] || 8 x 8
−
 
+
|-
−
*''1st Ground Floor Left Room Expansion'': 498,000 Bells (upgraded to 6 by 6 squares)
+
| Left Room || 348,000 [[Bells]] || 4 x 4
−
 
+
|-
−
*''2nd Ground Floor Left Room Expansion'': 598,000 Bells (upgraded to 8 by 8 squares)
+
| 1st Left Room Expansion || 498,000 [[Bells]] || 6 x 6
−
 
+
|-
−
*'''Ground Floor Right Room''': 348,000 Bells (4 by 4 squares)
+
| 2nd Left Room Expansion || 598,000 [[Bells]] || 8 x 8
−
 
+
|-
−
*''1st Ground Floor Right Room Expansion'': 498,000 Bells (upgraded to 6 by 6 squares)
+
| Right Room || 348,000 [[Bells]] || 4 x 4
−
 
+
|-
−
*''2nd Ground Floor Right Room Expansion'': 598,000 Bells (upgraded to 8 by 8 squares)
+
| 1st Right Room Expansion || 498,000 [[Bells]] || 6 x 6
−
 
+
|-
−
*'''Ground Floor Back Room''': 348,000 Bells (4 by 4 squares)
+
| 2nd Right Room Expansion || 598,000 [[Bells]] || 8 x 8
−
 
+
|-
−
*''1st Ground Floor Back Room Expansion'': 498,000 Bells (upgraded to 6 by 6 squares)
+
| Back Room || 348,000 [[Bells]] || 4 x 4
−
 
+
|-
−
*''2nd Ground Floor Back Room Expansion'': 598,000 Bells (upgraded to 8 by 8 squares)
+
| 1st Back Room Expansion || 498,000 [[Bells]] || 6 x 6
−
 
+
|-
−
*''Total Cost'': 7,595,800 Bells
+
| 2nd Back Room Expansion || 598,000 [[Bells]] || 8 x 8
 +
|-
 +
| '''''Total''''' || '''7,456,000 [[Bells]]''' ||
 +
|}
  
 
*''Total Floorspace'': 320m²
 
*''Total Floorspace'': 320m²
Line 132: Line 135:
 
! Purchase !! Mortgage Cost !! Size
 
! Purchase !! Mortgage Cost !! Size
 
|-
 
|-
−
| Buying a Tent || 5,000 [[Nook Miles]] / 49,800 Bells{{Note|The Bell cost is nominal: regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player doesn't have any Bells yet, they will be enrolled to pay off the initial fees using [[Nook Miles]].}}|| 4 × 4
+
| Buying a Tent || 5,000 [[Nook Miles]] / 49,800 [[Bells]]{{Note|The Bell cost is nominal: regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player doesn't have any Bells yet, they will be enrolled to pay off the initial fees using [[Nook Miles]].}}|| 4 × 4
 
|-
 
|-
−
| Buying a House || 98,000 Bells || 6 × 6
+
| Buying a House || 98,000 [[Bells]] || 6 × 6
 
|-
 
|-
−
| Main room Expansion || 198,000 Bells || 8 × 8
+
| Main room Expansion || 198,000 [[Bells]] || 8 × 8
 
|-
 
|-
−
| Back room || 348,000 Bells || 6 × 6
+
| Back room || 348,000 [[Bells]] || 6 × 6
 
|-  
 
|-  
−
| Left room || 548,000 Bells || 6 × 6
+
| Left room || 548,000 [[Bells]] || 6 × 6
 
|-  
 
|-  
−
| Right room || 758,000 Bells || 6 × 6
+
| Right room || 758,000 [[Bells]] || 6 × 6
 
|-
 
|-
−
| Second floor || 1,248,000 Bells || 12 × 6
+
| Second floor || 1,248,000 [[Bells]] || 12 × 6
 
|-
 
|-
−
| Basement || 2,498,000 Bells || 12 × 6
+
| Basement || 2,498,000 [[Bells]] || 12 × 6
 
|-
 
|-
−
| '''''Total''''' || '''5,696,000 Bells''' ||  
+
| '''''Total''''' || '''5,696,000 [[Bells]]''' ||  
 
|}
 
|}
  

Revision as of 22:59, December 27, 2020

House PG Icon.png
File:NHFinalLoanPaidOff.jpg
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 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 Animal Crossing, after the player pays off their mortage, they will have a statue put up of them in front of the train station. In Animal Crossing: City Folk, the player will receive a flag in front of their house that custom designs can be placed on. Paying off the mortgage in Animal Crossing: New Leaf unlocks theme challenges run by Lyle at the Happy Home Academy. In Animal Crossing: New Horizons, paying off the final mortgage will cause any future exterior renovations to be completely free for the player.

Required Amounts

Doubutsu no Mori

Purchase Mortgage Cost Size
Buying house 19,800 Bells
First expansion 49,800 Bells
Second expansion 498,000 Bells
Total 567,600 Bells

Animal Crossing and Doubutsu no Mori e+

Purchase Mortgage Cost Size
Buying house 19,800 Bells
First main room expansion 148,000 Bells
Basement 48,000 Bells
Second main room expansion 398,000 Bells
Second floor 798,000 Bells
Total 1,410,800 Bells

Animal Crossing: Wild World

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

Animal Crossing: City Folk

Purchase Mortgage Cost Size
Buying house 19,800 Bells
First main room expansion 120,000 Bells
Second main room Expansion 248,000 Bells
Second floor 368,000 Bells
Basement 598,000 Bells
Total 1,353,800 Bells

Animal Crossing: New Leaf

Purchase Mortgage Cost Size
Buying house 10,000 Bells 4 x 4
First main room expansion 98,000 Bells 6 x 6
Second main room Expansion 198,000 Bells 8 x 8
Second floor 298,000 Bells 4 x 4[nb 1]
1st Second Story Expansion 498,000 Bells 6 x 6
2nd Second Story Expansion 598,000 Bells 8 x 8
Basement 428,000 Bells 4 x 4
1st Basement Expansion 498,000 Bells 6 x 6
2nd Basement Expansion 598,000 Bells 8 x 8
Left Room 348,000 Bells 4 x 4
1st Left Room Expansion 498,000 Bells 6 x 6
2nd Left Room Expansion 598,000 Bells 8 x 8
Right Room 348,000 Bells 4 x 4
1st Right Room Expansion 498,000 Bells 6 x 6
2nd Right Room Expansion 598,000 Bells 8 x 8
Back Room 348,000 Bells 4 x 4
1st Back Room Expansion 498,000 Bells 6 x 6
2nd Back Room Expansion 598,000 Bells 8 x 8
Total 7,456,000 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

Animal Crossing: New Horizons

Purchase Mortgage Cost Size
Buying a Tent 5,000 Nook Miles / 49,800 Bells[nb 2] 4 × 4
Buying a House 98,000 Bells 6 × 6
Main room Expansion 198,000 Bells 8 × 8
Back room 348,000 Bells 6 × 6
Left room 548,000 Bells 6 × 6
Right room 758,000 Bells 6 × 6
Second floor 1,248,000 Bells 12 × 6
Basement 2,498,000 Bells 12 × 6
Total 5,696,000 Bells
  1. ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
  2. ↑ The Bell cost is nominal: regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player doesn't have any Bells yet, they will be enrolled to pay off the initial fees using Nook Miles.

Gallery

  • CFLoanPaidOff.png

    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

  • NHItemizedBill.gif

    Tom Nook handing the player their loan in New Horizons


Isabelle NH Character Icon.png
To-do list: This page could do with some improvements!
Edit this page and add a little something to make it just right.
  • Add sizes for PG, and CF
  • Put NL data into a table
Isabelle NH Character Icon.png
To-do list: This page could do with some improvements!
Edit this page and add a little something to make it just right.
  • Add sizes for PG, and CF
  • Put NL data into a table
Gameplay elements
Player Player • Mayor (approval rating) • Catalog • Catch quotes • Hairstyle • Passport • Pockets • Photo • Reaction • Reputation • Resident Representative • Skin tone • Tool • Town Pass Card Player 1 NH.png
Town Town/island • Hemisphere • Amenities • Animal tracks • Rebuild the town • Acres • Objects • Public works projects • Town fund • Town initiative • Town ordinance • Lost and found • Group
Life House • Happy Home Academy • Balloon • Event • Fashion check • Fêng shui • Home loan • Letter • Luck • Moving • NookPhone • Savings • Visit
Activities Badges • Bug catching • Constellation • Designing • Fishing • Mystery Island Tour • Part-time job • Stalk Market • Swimming • Tour (Tortimer Island)
Character AI Villager • Starting villager • Special character • Catchphrase • Compatibility • Conversation • Episode • Friendship • Hobbies • Scrapbook Memory • Nickname • Personality • Petition • Sickness • Star sign
Quests Ball • Favor • Hide-and-seek • Lost item • Time Capsule
Minigames NES games • Doubutsu no Mori e+: Doubutsu-tachi to Asobou! • Desert Island Escape • Animal Crossing Puzzle League
Currencies Bells • Caps • Leaf Tickets • Medals • MEOW Coupons • Nook Miles • Play Coins • Poki • Vouchers
Vehicles Bus • Camper • RV • Taxi • Train
Connectivity Multiplayer • Dream • DS Suitcase • Friend Code • Happy Home Network (Design Contest) • Nintendo Network • Nintendo Wi-Fi Connection • NookLink • Tag Mode • Transfer • WiiConnect24
Cheating Cheating device • Glitch • Gameplay modification • Seeds • Time travel
Fourth Wall • Reset • Secret code • Category
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