Home loan

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.

Contents

• 1 Appearances
  • 1.1 In the first-generation games
    • 1.1.1 In Doubutsu no Mori
    • 1.1.2 In Doubutsu no Mori+ and Animal Crossing
    • 1.1.3 In Doubutsu no Mori e+

    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 m 2
    • 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