Home loan

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 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.

Appearances

In Doubutsu no Mori

In Doubutsu no Mori, Animal Crossing, and Doubutsu no Mori e+, the home loan can be paid off by speaking to Pelly or Phyllis at the post office. Additionally, in all three games, the player cannot deposit their Bells into their savings until their home loan is fully paid off.

Purchase	Cost	Size
Buying house	19,800 Bells	4 x 4
First expansion	49,800 Bells	6 x 6
Second expansion	498,000 Bells	8 x 8
Total	567,600 Bells

In Animal Crossing and Doubutsu no Mori e+

In Animal Crossing, 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. Additionally, in Doubutsu no Mori e+ fully paying of the player's home loan gives them access to Animal Island.

Purchase	Cost	Size
Buying house	19,800 Bells	4 x 4
First main room expansion	148,000 Bells	6 x 6
Basement	48,000 Bells	8 x 8
Second main room expansion	398,000 Bells	8 x 8
Second floor	798,000 Bells	6 x 6
Total	1,410,800 Bells

In Wild World

In Animal Crossing: Wild World, the home loan can be paid off by speaking to Pelly or Phyllis at town hall.

Purchase	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

In City Folk

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	4 x 4
First main room expansion	120,000 Bells	6 x 6
Second main room expansion	248,000 Bells	8 x 8
Second floor	368,000 Bells	6 x 6
Basement	598,000 Bells	8 x 8
Total	1,353,800 Bells

In New Leaf

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 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
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

In New Horizons

In Animal Crossing: New Horizons, the home loan can be paid off from the ABD in the Nook Stop in Resident Services. In Animal Crossing: New Horizons, fully paying off the home loan allows the player to make any future exterior renovations for free.

Purchase	Cost	Size
Buying a tent	5,000 Nook Miles /  49,800 Bells	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
First storage expansion	500,000 Bells	N/A
Total	6,196,000 Bells

Gallery

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  Icon displayed when paying off the home loan in Animal Crossing

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

• CFLoanPaidOff.png

  A player after paying off their home loan in City Folk

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

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  A player after paying off their home loan in New Leaf

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

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  A player after paying off their loan in Pocket Camp

• NHItemizedBill.gif

  Tom Nook handing the player their loan in New Horizons

Gameplay elements

Player Player • Mayor (approval rating) • Catalog • Catch quotes • Hairstyle • Passport • Pockets • Photo • Reaction • Reputation • Resident Representative • Skin tone • Tool • Town Pass Card 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