Mortgage

Mortgages are the amount of money that the player owes to pay for their house. The player will have to pay several mortages before it is all paid off, and it increases the payment and size of renovation each time. After the mortgage is paid off, the player can expand their house. After the player pays off the mortgage once, it goes up. Tom Nook will eventually say he can not expand any more. In the Animal Crossing, after the player completes their mortage, they will have a statue put up in front of the train station. In when done, they get a private island. In, after the player completes their mortgage, he will give the player a customizable flag on a flagpole. There is no due date or interest so players can take their time. And after finishing mortage when Pelly is around, she will applaud.

Animal Crossing

 * Buying House: 19,800 bells
 * First Expansion: 148,000 bells
 * Basement: 48,000 bells*
 * Second Expansion: 398,000 bells*
 * Second Floor: 798,000 bells
 * Total Cost: 1,411,800 bells

Animal Crossing: Wild World

 * Buying House: 19,800 bells
 * First House Expansion: 120,000 bells
 * Second House Expansion: 298,000 bells
 * Upstairs Room: 598,000 bells
 * Left Room: 728,000 bells
 * Right Room: 848,000 bells
 * Back Room: 948,000 bells
 * Total Cost: 3,559,800 bells

Animal Crossing: City Folk
After you complete your whole mortgage you will receive a statue in your honor and will become mayor
 * Buying House: 18,400 bells
 * Expansion #1: 120,000 bells
 * Expansion #2: 248,000 bells
 * Upper Level : 368,000 bells
 * Basement/span>: 598,000 bells
 * Total Cost: 1,353,800 bells

(*)These can be picked in any order, but the amount stays with the type of expansion.