Difference between revisions of "Home loan"
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[[File:House PG Icon.png|left]] | [[File:House PG Icon.png|left]] | ||
[[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 [[ | + | A '''home loan''', also known as a '''debt''' or '''mortgage''', is an amount of [[Bell]]s that is required to pay off in order to purchase or expand a [[player]]'s [[house (player)|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 {{PG}}, after the player pays off their mortgage, they will have a statue put up of them in front of the train station, the size and color of which depends on the order in which each of the four players accomplishes this.{{Note|group=lower-alpha|In order, the statues will be gold, silver, bronze, and jade; the gold statue is the same size as the player themselves, and the jade statue only reaches body height.}} In {{DnMe+}}, the player will additionally gain access to [[Animal Island]] (which, unlike {{PG|nolink}}, does not require a [[Game Boy Advance]] connection). In {{CF}}, the player will receive a flag in front of their house that [[custom design]]s can be placed on. Paying off the mortgage in {{NL}} unlocks theme challenges run by [[Lyle]] at the [[Happy Home Academy]]. In {{NH}}, paying off the final mortgage will cause any future exterior renovations to be completely free for the player. |
== Required Amounts == | == Required Amounts == | ||
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! Purchase !! Mortgage Cost !! Size | ! Purchase !! Mortgage Cost !! Size | ||
|- | |- | ||
− | | Buying house || 19,800 [[ | + | | Buying house || 19,800 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | First expansion || 49,800 [[ | + | | First expansion || 49,800 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Second expansion || 498,000 [[ | + | | Second expansion || 498,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | '''''Total''''' || '''567,600 [[ | + | | '''''Total''''' || '''567,600 [[Bell]]s''' || |
|} | |} | ||
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! Purchase !! Mortgage Cost !! Size | ! Purchase !! Mortgage Cost !! Size | ||
|- | |- | ||
− | | Buying house || 19,800 [[ | + | | Buying house || 19,800 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | First main room expansion || 148,000 [[ | + | | First main room expansion || 148,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Basement || 48,000 [[ | + | | Basement || 48,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Second main room expansion || 398,000 [[ | + | | Second main room expansion || 398,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Second floor || 798,000 [[ | + | | Second floor || 798,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | '''''Total''''' || '''1,410,800 [[ | + | | '''''Total''''' || '''1,410,800 [[Bell]]s''' || |
|} | |} | ||
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! Purchase !! Mortgage Cost !! Size | ! Purchase !! Mortgage Cost !! Size | ||
|- | |- | ||
− | | Buying house || 19,800 [[ | + | | Buying house || 19,800 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | First main room expansion || 120,000 [[ | + | | First main room expansion || 120,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Second main room expansion || 298,000 [[ | + | | Second main room expansion || 298,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Second floor || 598,000 [[ | + | | Second floor || 598,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Left room || 728,000 [[ | + | | Left room || 728,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Right room || 848,000 [[ | + | | Right room || 848,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Back room || 948,000 [[ | + | | Back room || 948,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | '''''Total''''' || '''3,559,800 [[ | + | | '''''Total''''' || '''3,559,800 [[Bell]]s''' || |
|} | |} | ||
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! Purchase !! Mortgage Cost !! Size | ! Purchase !! Mortgage Cost !! Size | ||
|- | |- | ||
− | | Buying house || 19,800 [[ | + | | Buying house || 19,800 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | First main room expansion || 120,000 [[ | + | | First main room expansion || 120,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Second main room Expansion || 248,000 [[ | + | | Second main room Expansion || 248,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Second floor || 368,000 [[ | + | | Second floor || 368,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Basement || 598,000 [[ | + | | Basement || 598,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | '''''Total''''' || '''1,353,800 [[ | + | | '''''Total''''' || '''1,353,800 [[Bell]]s''' || |
|} | |} | ||
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! Purchase !! Mortgage Cost !! Size | ! Purchase !! Mortgage Cost !! Size | ||
|- | |- | ||
− | | Buying house || 10,000 [[ | + | | Buying house || 10,000 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | First main room expansion || 98,000 [[ | + | | First main room expansion || 98,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | Second main room Expansion || 198,000 [[ | + | | Second main room Expansion || 198,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Second floor || 298,000 [[ | + | | Second floor || 298,000 [[Bell]]s || 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.}} |
|- | |- | ||
− | | 1st Second Story Expansion || 498,000 [[ | + | | 1st Second Story Expansion || 498,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | 2nd Second Story Expansion || 598,000 [[ | + | | 2nd Second Story Expansion || 598,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Basement || 428,000 [[ | + | | Basement || 428,000 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | 1st Basement Expansion || 498,000 [[ | + | | 1st Basement Expansion || 498,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | 2nd Basement Expansion || 598,000 [[ | + | | 2nd Basement Expansion || 598,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Left Room || 348,000 [[ | + | | Left Room || 348,000 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | 1st Left Room Expansion || 498,000 [[ | + | | 1st Left Room Expansion || 498,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | 2nd Left Room Expansion || 598,000 [[ | + | | 2nd Left Room Expansion || 598,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Right Room || 348,000 [[ | + | | Right Room || 348,000 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | 1st Right Room Expansion || 498,000 [[ | + | | 1st Right Room Expansion || 498,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | 2nd Right Room Expansion || 598,000 [[ | + | | 2nd Right Room Expansion || 598,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | Back Room || 348,000 [[ | + | | Back Room || 348,000 [[Bell]]s || 4 x 4 |
|- | |- | ||
− | | 1st Back Room Expansion || 498,000 [[ | + | | 1st Back Room Expansion || 498,000 [[Bell]]s || 6 x 6 |
|- | |- | ||
− | | 2nd Back Room Expansion || 598,000 [[ | + | | 2nd Back Room Expansion || 598,000 [[Bell]]s || 8 x 8 |
|- | |- | ||
− | | '''''Total''''' || '''7,456,000 [[ | + | | '''''Total''''' || '''7,456,000 [[Bell]]s''' || |
|} | |} | ||
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! Purchase !! Mortgage Cost !! Size | ! Purchase !! Mortgage Cost !! Size | ||
|- | |- | ||
− | | Buying a Tent || 5,000 [[Nook Miles]] / 49,800 [[ | + | | Buying a Tent || 5,000 [[Nook Miles]] / 49,800 [[Bell]]s{{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 [[ | + | | Buying a House || 98,000 [[Bell]]s || 6 × 6 |
|- | |- | ||
− | | Main room Expansion || 198,000 [[ | + | | Main room Expansion || 198,000 [[Bell]]s || 8 × 8 |
|- | |- | ||
− | | Back room || 348,000 [[ | + | | Back room || 348,000 [[Bell]]s || 6 × 6 |
|- | |- | ||
− | | Left room || 548,000 [[ | + | | Left room || 548,000 [[Bell]]s || 6 × 6 |
|- | |- | ||
− | | Right room || 758,000 [[ | + | | Right room || 758,000 [[Bell]]s || 6 × 6 |
|- | |- | ||
− | | Second floor || 1,248,000 [[ | + | | Second floor || 1,248,000 [[Bell]]s || 12 × 6 |
|- | |- | ||
− | | Basement || 2,498,000 [[ | + | | Basement || 2,498,000 [[Bell]]s || 12 × 6 |
|- | |- | ||
− | | '''''Total''''' || '''5,696,000 [[ | + | | '''''Total''''' || '''5,696,000 [[Bell]]s''' || |
|} | |} | ||
Revision as of 18:54, May 25, 2021
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 mortgage, they will have a statue put up of them in front of the train station, the size and color of which depends on the order in which each of the four players accomplishes this.[nb 1] In Doubutsu no Mori e+, the player will additionally gain access to Animal Island (which, unlike Animal Crossing, does not require a Game Boy Advance connection). 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 | 4 x 4 |
First expansion | 49,800 Bells | 6 x 6 |
Second expansion | 498,000 Bells | 8 x 8 |
Total | 567,600 Bells |
Animal Crossing and Doubutsu no Mori e+
Purchase | Mortgage 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 |
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 | 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 |
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 2] |
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 3] | 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 |
- ↑ In order, the statues will be gold, silver, bronze, and jade; the gold statue is the same size as the player themselves, and the jade statue only reaches body height.
- ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
- ↑ 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 after paying off their home loan in New Leaf
- NHItemizedBill.gif
Tom Nook handing the player their loan in New Horizons