Difference between revisions of "Home loan"

From Nookipedia, the Animal Crossing wiki
(Corrected left room max storage capacity.)
 
(5 intermediate revisions by 3 users not shown)
Line 6: Line 6:
  
 
==Appearances==
 
==Appearances==
−
===In {{DnM|nolink}}===
+
===In the first-generation games===
−
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.
+
In every [[First generation|first-generation ''Animal Crossing'' game]], the home loan can be paid off by speaking to [[Pelly]] or [[Phyllis]] at the [[post office]]. Additionally, 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.
 +
 
 +
====In {{DnM|nolink}}====
 +
In {{DnM}}, the player's house can only have one floor.
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
 
! Purchase !! Cost !! Size
 
! Purchase !! Cost !! Size
 
|-
 
|-
−
| Buying house || {{Currency|Bells|19800}} || 4 × 4
+
| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time|The player gives [[Tom Nook]] 1,000 Bells upon choosing their house, and completing the [[part-time job]] pays off 1,400 Bells of the debt, leaving the amount to be paid off at 17,400 Bells.}} || 4 × 4
 
|-
 
|-
 
| First expansion || {{Currency|Bells|49800}} || 6 × 6
 
| First expansion || {{Currency|Bells|49800}} || 6 × 6
Line 21: Line 24:
 
|}
 
|}
  
−
===In {{PG|nolink}}===
+
====In {{DnM+|nolink}} and {{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.
+
{{DnM+}} and {{PG}} introduce the ability to add a second floor and basement to the player's house. After expanding the first floor once, the player can choose between the second first-floor expansion and a basement. The next expansion built is the one not chosen the previous time.
 
{| class="styled color-gameplay"
 
{| class="styled color-gameplay"
 
|-
 
|-
 
! Purchase !! Cost !! Size
 
! Purchase !! Cost !! Size
 
|-
 
|-
−
| Buying house || {{Currency|Bells|19800}} || 4 × 4
+
| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time}} || 4 × 4
 
|-
 
|-
 
| First main room expansion || {{Currency|Bells|148000}} || 6 × 6
 
| First main room expansion || {{Currency|Bells|148000}} || 6 × 6
Line 37: Line 40:
 
| Second floor || {{Currency|Bells|798000}} || 6 × 6
 
| Second floor || {{Currency|Bells|798000}} || 6 × 6
 
|-
 
|-
−
| '''''Total''''' || '''{{Currency|Bells|1410800}}''' ||  
+
| '''''Total''''' || '''{{Currency|Bells|1413600}}''' ||  
 
|}
 
|}
  
−
===In {{DnMe+|nolink}}===
+
====In {{DnMe+|nolink}}====
 
In {{DnMe+}}, fully paying off 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.
 
In {{DnMe+}}, fully paying off 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"
 
{| class="styled color-gameplay"
Line 46: Line 49:
 
! Purchase !! Cost !! Size
 
! Purchase !! Cost !! Size
 
|-
 
|-
−
| Buying house || {{Currency|Bells|19800}} || 4 × 4
+
| Buying house || {{Currency|Bells|19800}}{{Note|name=gen1-part-time}} || 4 × 4
 
|-
 
|-
 
| First main room expansion || {{Currency|Bells|125000}} || 6 × 6
 
| First main room expansion || {{Currency|Bells|125000}} || 6 × 6
Line 67: Line 70:
 
! Purchase !! Cost !! Size
 
! Purchase !! Cost !! Size
 
|-
 
|-
−
| Buying house || {{Currency|Bells|19800}} || 4 × 4
+
| Buying house || {{Currency|Bells|19800}}{{Note|name=ww-cf-part-time|Completing the part-time job for Tom Nook pays off 1,400 Bells of the debt, leaving the amount to be paid off at 18,400 Bells.}} || 4 × 4
 
|-
 
|-
 
| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
 
| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
Line 90: Line 93:
 
! Purchase !! Cost !! Size
 
! Purchase !! Cost !! Size
 
|-
 
|-
−
| Buying house || {{Currency|Bells|19800}}|| 4 × 4
+
| Buying house || {{Currency|Bells|19800}}{{Note|name=ww-cf-part-time}} || 4 × 4
 
|-
 
|-
 
| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
 
| First main room expansion || {{Currency|Bells|120000}} || 6 × 6
Line 166: Line 169:
 
! Purchase !! Cost !! Size !! Storage slots
 
! Purchase !! Cost !! Size !! Storage slots
 
|-
 
|-
−
| Buying a tent || {{Currency|Nook Miles|5000}}{{Note|The cost of {{currency|Bells|49800}} 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|miles]].}}|| 4 × 4 || -
+
| Buying a tent || {{Currency|Nook Miles|5000}}{{Note|The cost of {{currency|Bells|49800}} 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 house || {{Currency|Bells|98000}}  || 6 × 6 || 80
 
| Buying a house || {{Currency|Bells|98000}}  || 6 × 6 || 80
Line 174: Line 177:
 
| Back room || {{Currency|Bells|348000}}  || 6 × 6 || 240
 
| Back room || {{Currency|Bells|348000}}  || 6 × 6 || 240
 
|-  
 
|-  
−
| Left room || {{Currency|Bells|548000}}  || 6 × 6 || 360
+
| Left room || {{Currency|Bells|548000}}  || 6 × 6 || 320
 
|-  
 
|-  
 
| Right room || {{Currency|Bells|758000}}  || 6 × 6 || 400
 
| Right room || {{Currency|Bells|758000}}  || 6 × 6 || 400

Latest revision as of 22:22, February 21, 2024

This article is about the loan required to expand the player's house. For the house expansions themselves, see Player house.
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 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[edit]

In the first-generation games[edit]

In every first-generation Animal Crossing game, the home loan can be paid off by speaking to Pelly or Phyllis at the post office. Additionally, 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.

In Doubutsu no Mori[edit]

In Doubutsu no Mori, the player's house can only have one floor.

Purchase Cost Size
Buying house  19,800 Bells[nb 1] 4 × 4
First expansion  49,800 Bells 6 × 6
Second expansion  498,000 Bells 8 × 8
Total  567,600 Bells

In Doubutsu no Mori+ and Animal Crossing[edit]

Doubutsu no Mori+ and Animal Crossing introduce the ability to add a second floor and basement to the player's house. After expanding the first floor once, the player can choose between the second first-floor expansion and a basement. The next expansion built is the one not chosen the previous time.

Purchase Cost Size
Buying house  19,800 Bells[nb 1] 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  1,413,600 Bells

In Doubutsu no Mori e+[edit]

In Doubutsu no Mori e+, fully paying off 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[nb 1] 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[edit]

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[nb 2] 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[edit]

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[nb 2] 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[edit]

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 3]  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 4]  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[edit]

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[nb 5] 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 × 6 320
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 6]  500,000 Bells[nb 7] - 2,400
Second storage expansion[nb 8]  700,000 Bells[nb 7] - 3,200
Third storage expansion[nb 8]  900,000 Bells[nb 7] - 4,000
Fourth storage expansion[nb 8]  1,200,000 Bells[nb 7] - 5,000
Total  8,996,000 Bells

Gallery[edit]

  • Icon displayed when paying off the home loan in Animal Crossing

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

  • 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

  • A player after paying off their loan in Pocket Camp

  • Tom Nook handing the player their loan in New Horizons

Notes[edit]

  1. ↑ 1.0 1.1 1.2 The player gives Tom Nook 1,000 Bells upon choosing their house, and completing the part-time job pays off 1,400 Bells of the debt, leaving the amount to be paid off at 17,400 Bells.
  2. ↑ 2.0 2.1 Completing the part-time job for Tom Nook pays off 1,400 Bells of the debt, leaving the amount to be paid off at 18,400 Bells.
  3. ↑ After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order.
  4. ↑ Added in Welcome amiibo
  5. ↑ The cost of  49,800 Bells 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.
  6. ↑ Added in 1.6.0
  7. ↑ 7.0 7.1 7.2 7.3 Paid in whole directly to Tom Nook.
  8. ↑ 8.0 8.1 8.2 Added in 2.0
Gameplay elements
Player Player 1 NH.png
Town
Life
Activities
Character AI
Quests
Minigames
Currencies
Vehicles
Connectivity
Cheating
Fourth Wall • Reset • Secret code • Category
Retrieved from "https://nookipedia.com/w/index.php?title=Home_loan&oldid=1127017"