Difference between revisions of "Home loan"
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− | + | {{Wrongpage|the loan required to expand the player's house|the house expansions themselves|Player house}} | |
− | [[File: | + | [[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 [[ | + | 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. |
− | == | + | 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]]. |
− | ==={{DnM|nolink}}, {{PG|nolink}}, | + | |
− | {| class=" | + | ==Appearances== |
+ | ===In {{DnM|nolink}}=== | ||
+ | In {{DnM}}, {{DnM+}}, {{PG}}, and {{DnMe+}}, 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, 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. | ||
+ | {| class="styled color-gameplay" | ||
+ | |- | ||
+ | ! Purchase !! Cost !! Size | ||
+ | |- | ||
+ | | Buying house || {{Currency|Bells|19800}} || 4 × 4 | ||
+ | |- | ||
+ | | First expansion || {{Currency|Bells|49800}} || 6 × 6 | ||
+ | |- | ||
+ | | Second expansion || {{Currency|Bells|498000}} || 8 × 8 | ||
+ | |- | ||
+ | | '''''Total''''' || '''{{Currency|Bells|567600}}''' || | ||
+ | |} | ||
+ | |||
+ | ===In {{PG|nolink}}=== | ||
+ | The player will be given the option to build the second main room expansion or basement first; the respective debts remain the same, only the order changes. | ||
+ | {| class="styled color-gameplay" | ||
+ | |- | ||
+ | ! Purchase !! Cost !! Size | ||
+ | |- | ||
+ | | Buying house || {{Currency|Bells|19800}} || 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|1410800}}''' || | ||
+ | |} | ||
+ | |||
+ | ===In {{DnMe+|nolink}}=== | ||
+ | In {{DnMe+}}, fully paying of 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}} || 4 × 4 | |
|- | |- | ||
− | | | + | | First main room expansion || {{Currency|Bells|125000}} || 6 × 6 |
|- | |- | ||
− | | | + | | Second main room expansion || {{Currency|Bells|298000}} || 8 × 8 |
|- | |- | ||
− | | Basement || | + | | Basement || {{Currency|Bells|249000}} || 8 × 8 |
|- | |- | ||
− | | Second | + | | Second floor || {{Currency|Bells|598000}} || 6 × 6 |
|- | |- | ||
− | | | + | | [[Animal Island|Private island]] || {{Currency|Bells|998000}} || 8 × 8 cabana |
|- | |- | ||
− | | '''''Total''''' || ''' | + | | '''''Total''''' || '''{{Currency|Bells|2287800}}''' || |
|} | |} | ||
− | ==={{WW|nolink}}=== | + | ===In {{WW|short|nolink}}=== |
− | {| class=" | + | 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 !! | + | ! 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}}''' || |
|} | |} | ||
− | ==={{CF|nolink}}=== | + | ===In {{CF|short|nolink}}=== |
− | {| class=" | + | 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 !! | + | ! 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 | + | | 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}}''' || |
|} | |} | ||
− | ==={{NL|nolink}}=== | + | ===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 | ||
+ | |- | ||
+ | | 2nd back room expansion || {{Currency|Bells|598000}} || 8 × 8 | ||
+ | |- | ||
+ | | [[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" | |
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− | ==={{NH|nolink}}=== | ||
− | {| class=" | ||
|- | |- | ||
− | ! Purchase !! | + | ! Purchase !! Cost !! Size !! Storage slots |
|- | |- | ||
− | | Buying a | + | | Buying a tent || {{Currency|Nook Miles|5000}} / {{Currency|Bells|49800}}{{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 does not have any Bells yet, they will be enrolled to pay off the initial fees using [[Nook Miles]].}}|| 4 × 4 || - |
|- | |- | ||
− | | Buying a | + | | Buying a house || {{Currency|Bells|98000}} || 6 × 6 || 80 |
|- | |- | ||
− | | Main room | + | | Main room expansion || {{Currency|Bells|198000}} || 8 × 8 || 120 |
|- | |- | ||
− | | Back room || | + | | Back room || {{Currency|Bells|348000}} || 6 × 6 || 240 |
|- | |- | ||
− | | Left room || | + | | Left room || {{Currency|Bells|548000}} || 6 × 6 || 360 |
|- | |- | ||
− | | Right room || | + | | 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''''' || ''' | + | | '''''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}} | {{Note list}} | ||
− | + | {{Gameplay Elements}} | |
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Revision as of 20:27, September 30, 2022
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, 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, 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.
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
The player will be given the option to build the second main room expansion or basement first; the respective debts remain the same, only the order changes.
Purchase | Cost | Size |
---|---|---|
Buying house | 19,800 Bells | 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 | 1,410,800 Bells |
In Doubutsu no Mori e+
In Doubutsu no Mori e+, fully paying of 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 | 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
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 | 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 1] | 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 2] | 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. 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 / 49,800 Bells[nb 3] | 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 | 360 |
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 4] | 500,000 Bells[nb 5] | - | 2,400 |
Second storage expansion[nb 6] | 700,000 Bells[nb 5] | - | 3,200 |
Third storage expansion[nb 6] | 900,000 Bells[nb 5] | - | 4,000 |
Fourth storage expansion[nb 6] | 1,200,000 Bells[nb 5] | - | 5,000 |
Total | 8,996,000 Bells |
Gallery
Icon displayed when paying off the home loan in Animal Crossing
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
Tom Nook handing the player their loan in New Horizons
Notes
- ↑ 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
- ↑ 5.0 5.1 5.2 5.3 Paid in whole directly to Tom Nook.
- ↑ 6.0 6.1 6.2 Added in 2.0