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 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 mortage, they will have a statue put up of them in front of the train station. 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
First expansion	49,800 Bells
Second expansion	498,000 Bells
Total	567,600 Bells

Animal Crossing and Doubutsu no Mori e+

Purchase	Mortgage Cost	Size
Buying house	19,800 Bells
First main room expansion	148,000 Bells
Basement	48,000 Bells
Second main room expansion	398,000 Bells
Second floor	798,000 Bells
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
First main room expansion	120,000 Bells
Second main room Expansion	248,000 Bells
Second floor	368,000 Bells
Basement	598,000 Bells
Total	1,353,800 Bells

Animal Crossing: New Leaf

• Buying House: 10,000 Bells

• First Expansion: 98,000 Bells

• Second Expansion: 198,000 Bells

• Second Floor: 298,000 Bells

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 Bells (upgraded to 6 by 6 squares)

• 2nd Second Story Expansion: 598,000 Bells (upgraded to 8 by 8 squares)

• Basement: 428,000 Bells (4 by 4 squares)

• 1st Basement Expansion: 498,000 Bells (upgraded to 6 by 6 squares)

• 2nd Basement Expansion: 598,000 Bells (upgraded to 8 by 8 squares)

• Ground Floor Left Room: 348,000 Bells (4 by 4 squares)

• 1st Ground Floor Left Room Expansion: 498,000 Bells (upgraded to 6 by 6 squares)

• 2nd Ground Floor Left Room Expansion: 598,000 Bells (upgraded to 8 by 8 squares)

• Ground Floor Right Room: 348,000 Bells (4 by 4 squares)

• 1st Ground Floor Right Room Expansion: 498,000 Bells (upgraded to 6 by 6 squares)

• 2nd Ground Floor Right Room Expansion: 598,000 Bells (upgraded to 8 by 8 squares)

• Ground Floor Back Room: 348,000 Bells (4 by 4 squares)

• 1st Ground Floor Back Room Expansion: 498,000 Bells (upgraded to 6 by 6 squares)

• 2nd Ground Floor Back Room Expansion: 598,000 Bells (upgraded to 8 by 8 squares)

• Total Cost: 7,595,800 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	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

Gallery

• CFLoanPaidOff.png

  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

• NHItemizedBill.gif

  Tom Nook handing the player their loan in New Horizons

To-do list: This page could do with some improvements!

Edit this page and add a little something to make it just right.

• Add sizes for PG, and CF
• Put NL data into a table

To-do list: This page could do with some improvements!

Edit this page and add a little something to make it just right.

• Add sizes for PG, and CF
• Put NL data into a table

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 Transportation 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