What Happens When You Pay Off All Your Mortgage On Animal Crossing

What Happens When You Pay Off Your Last Home Loan in Animal Crossing: New Horizons?

Animal Crossing: New Horizons Fancy Home

Update: In Animal Crossing: New Horizons Update one.60, released in November of 2020, the option to further upgrade your business firm's storage was added, and information technology requires you lot to fully pay off your last dwelling house loan. So now in that location is a expert reason to pay off that loan. This was not the instance before patch 1.60.

The original article appears in its entirety below.

The Animal Crossing series has always put you lot into debt to a raccoon (or tanooki, actually) named Tom Nook. He offers you a home with the condition that you eventually pay off the mortgage. Every fourth dimension yous pay off a loan, Tom Nook will offering yous a swanky upgrade for your home, which volition put you ever deeper into Nook debt. But y'all'll somewhen hit a bespeak where there are no more upgrades to offer, yet y'all're left with 1 last mortgage of titanic proportions.

In Brute Crossing: New Horizons, there are vii home upgrades.

The first upgrade is from a tent to a house.
The 2d makes your space larger.
The third adds a back room.
The fourth adds a side room.
The 5th adds an additional side room.
The sixth adds an attic.
The seventh, and terminal upgrade, adds a basement.

And that final loan payment is enormous, at nigh two.5 million bells. It will take nigh normal players a very long time to pay off this final mortgage.

And so is it worth information technology? Quite frankly, no. The reward for paying it off is rather disappointing: Tom Nook volition offering you lot free domicile outside updates (limited to one per mean solar day). Since these updates cost 5,000 bells, you would need to upgrade your domicile 500 times earlier you'd spend 2.5 million bells. That's an upgrade per solar day for almost a year and a half.

Animal Crossing: New Horizons Rich Dude Crying at Home

There is besides no Nook Miles challenge for paying off the final loan, and so you aren't fifty-fifty rewarded with a paltry Nook Miles handout here.

The other home upgrades are absolutely worth information technology. Adding the basement increases your home's storage slots to one,600, and that alone is worth the enormous cost.

Plus, some of the older games gave you lot better rewards for completing the monumental task of paying off your final home loan. Animal Crossing for GameCube, for example, caused a statue to be erected in your honour. While that's really merely a vanity prize, at least it's something. Tom Nook isn't even trying this time.

So if you're wondering whether or not you should pay off your last abode loan in Animate being Crossing: New Horizons, I say no. Allow that miserable raccoon (tanooki, I mean) forever ponder the regret of loaning y'all those bells, which he will never recover. And you tin tell Tom Nook I said so.

(I did pay off my final loan, so…)