Difference between revisions of "Home loan"
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[[File:NHFinalLoanPaidOff.jpg|thumb|right|300px|A player after fully paying off their home loan in {{NH|short|nolink}}]] | [[File:NHFinalLoanPaidOff.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 | + | {{Wrongpage|the loan required to expand the player's house|the house expansions themselves|player house}} |
+ | 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 [[house (player)|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 {{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]]. | ||
==Appearances== | ==Appearances== | ||
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! Purchase !! Cost !! Size | ! Purchase !! Cost !! Size | ||
|- | |- | ||
− | | Buying house || | + | | Buying house || {{Currency|Bells|19800}} || 4 × 4 |
|- | |- | ||
− | | First expansion || | + | | First expansion || {{Currency|Bells|49800}} || 6 × 6 |
|- | |- | ||
− | | Second expansion || | + | | Second expansion || {{Currency|Bells|498000}} || 8 × 8 |
|- | |- | ||
− | | '''''Total''''' || ''' | + | | '''''Total''''' || '''{{Currency|Bells|567600}}''' || |
|} | |} | ||
Line 24: | Line 27: | ||
! Purchase !! Cost !! Size | ! Purchase !! Cost !! Size | ||
|- | |- | ||
− | | Buying house || | + | | Buying house || {{Currency|Bells|19800}} || 4 × 4 |
|- | |- | ||
− | | First main room expansion || | + | | First main room expansion || {{Currency|Bells|148000}} || 6 × 6 |
|- | |- | ||
− | | Basement{{Note|Comes after the second main room expansion in {{DnM+}}}} || 48,000 [[Bell]]s || 8 | + | | Basement{{Note|Comes after the second main room expansion in {{DnM+}}}} || 48,000 [[Bell]]s || 8 × 8 |
|- | |- | ||
− | | Second main room expansion || | + | | Second main room expansion || {{Currency|Bells|398000}} || 8 × 8 |
|- | |- | ||
− | | Second floor || | + | | Second floor || {{Currency|Bells|798000}} || 6 × 6 |
|- | |- | ||
− | | '''''Total''''' || ''' | + | | '''''Total''''' || '''{{Currency|Bells|1410800}}''' || |
|} | |} | ||
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! Purchase !! Cost !! Size | ! Purchase !! Cost !! Size | ||
|- | |- | ||
− | | Buying house || | + | | Buying house || {{Currency|Bells|19800}} || 4 × 4 |
|- | |- | ||
− | | First main room expansion || | + | | First main room expansion || {{Currency|Bells|120000}} || 6 × 6 |
|- | |- | ||
− | | Second main room expansion || | + | | Second main room expansion || {{Currency|Bells|298000}} || 8 × 8 |
|- | |- | ||
− | | Second floor || | + | | Second floor || {{Currency|Bells|598000}}|| 6 × 6 |
|- | |- | ||
− | | Left room || | + | | Left room || {{Currency|Bells|728000}}|| 6 × 6 |
|- | |- | ||
− | | Right room || | + | | Right room || {{Currency|Bells|848000}} || 6 × 6 |
|- | |- | ||
− | | Back room || | + | | Back room || {{Currency|Bells|948000}} || 6 × 6 |
|- | |- | ||
− | | '''''Total''''' || ''' | + | | '''''Total''''' || '''{{Currency|Bells|3559800}}''' || |
|} | |} | ||
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! Purchase !! Cost !! Size | ! Purchase !! Cost !! Size | ||
|- | |- | ||
− | | Buying house || | + | | Buying house || {{Currency|Bells|19800}}|| 4 × 4 |
|- | |- | ||
− | | First main room expansion || | + | | First main room expansion || {{Currency|Bells|120000}} || 6 × 6 |
|- | |- | ||
− | | Second main room expansion || | + | | Second main room expansion || {{Currency|Bells|248000}} || 8 × 8 |
|- | |- | ||
− | | Second floor || | + | | Second floor || {{Currency|Bells|368000}} || 6 × 6 |
|- | |- | ||
− | | Basement || | + | | Basement || {{Currency|Bells|598000}} || 8 × 8 |
|- | |- | ||
− | | '''''Total''''' || ''' | + | | '''''Total''''' || '''{{Currency|Bells|1353800}}''' || |
|} | |} | ||
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! Purchase !! Cost !! Size | ! Purchase !! Cost !! Size | ||
|- | |- | ||
− | | Buying house || | + | | 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 | + | | 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 |
|- | |- | ||
− | | | + | | 2nd back room expansion || {{Currency|Bells|598000}} || 8 × 8 |
|- | |- | ||
− | | | + | | [[Secret Storeroom]]{{Note|Added in {{NLWa|short}}}} || {{Currency|Bells|158000}} || N/A |
|- | |- | ||
− | | '''''Total''''' || ''' | + | | '''''Total''''' || '''{{Currency|Bells|7614000}}''' || |
|} | |} | ||
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| Basement || {{Currency|Bells|2498000}} || 12 × 6 | | Basement || {{Currency|Bells|2498000}} || 12 × 6 | ||
|- | |- | ||
− | | First storage expansion | + | | First storage expansion{{Note|Added in {{NHVer|1.6.0}}}} || {{Currency|Bells|500000}} || N/A |
|- | |- | ||
| '''''Total''''' || '''{{Currency|Bells|6196000}} ''' || | | '''''Total''''' || '''{{Currency|Bells|6196000}} ''' || |
Revision as of 18:00, October 25, 2021
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
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 × 4 |
First expansion | 49,800 Bells | 6 × 6 |
Second expansion | 498,000 Bells | 8 × 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 × 4 |
First main room expansion | 148,000 Bells | 6 × 6 |
Basement[nb 1] | 48,000 Bells | 8 × 8 |
Second main room expansion | 398,000 Bells | 8 × 8 |
Second floor | 798,000 Bells | 6 × 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 × 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
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 × 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
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 2] | 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 3] | 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
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 [nb 4] | 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[nb 5] | 500,000 Bells | N/A |
Total | 6,196,000 Bells |
Notes
- ↑ Comes after the second main room expansion in Doubutsu no Mori+
- ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
- ↑ Added in Welcome amiibo
- ↑ 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 does not have any Bells yet, they will be enrolled to pay off the initial fees using Nook Miles.
- ↑ Added in 1.6.0
Gallery
Icon displayed when paying off the home loan in Animal Crossing
- CFLoanPaidOff.png
A player after paying off their home loan in City Folk
A player after paying off their home loan in New Leaf
A player after paying off their loan in Pocket Camp
- NHItemizedBill.gif
Tom Nook handing the player their loan in New Horizons