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How much do I owe Tom Nook?

Moving to a deserted island isn't free, it seems, and now you owe Tom Nook about 50,000 bells (this game's form of currency). Luckily, Tom is considerate enough to let you pay your debt back in miles, like a sort of indentured credit card reward program.
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How much do I have to pay Tom Nook?

Once you hit 5,000 Nook Miles, talk to Tom Nook to pay the loan off and have him set you up with your first house for the low loan price of 98,000 bells. Sadly, it looks like this first loan will be the only one you'll be able to pay off with miles.
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How do I pay off my Tom Nook debt?

Sell At Nook's Cranny
  1. Craft And Sell The Hot Items Of The Day. Once Nook's Cranny is built then you will learn about the Hot Items of the day. ...
  2. Sell Your Fossils, Paintings, Fish, And Bugs Instead Of Donating Them. ...
  3. Head To The Beach To Collect Shells. ...
  4. Sell Various Fruit.
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Can you ever pay off Tom Nook?

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.
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What happens if you don't pay Tom Nook?

The loans in New Horizons don't operate off of any particular schedule. There's no set due date for any of the payments, and Tom Nook will seemingly wait indefinitely with little urgency for players to pay him back.
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Animal Crossing: New Horizons - What Happens When You Pay Off All Loans?

Do you ever have to pay Tom Nook back?

Tom Nook's loans don't have any interest or time limit so you can keep playing New Horizons even if you have an outstanding bill to pay. However, you need to pay any loan first before taking out a new one.
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Why do you owe Tom Nook money?

Mortgages are the number of Bells that the player owes Tom Nook for constructing and expanding their house. There are several mortgages to pay off, each larger than the previous, which are owed after Tom Nook constructs an upgrade to the house.
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What happens when Tom Nook kills you?

Tom Nook informs the players of the mortgage they need to pay off in order to survive on the island. If the players fail to pay, he actually kills them, forcing the players to start the game from the beginning.
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Are you always in debt to Tom Nook?

Yes. Debt is integral to the series.
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Can you sell your town to Tom Nook?

If you want to sell your town to Tom Nook, make sure the tree in your town plaza is level three or above. If it's smaller than this, he won't offer to buy the town. Tom Nook will only offer to buy your town if you're going to erase it to start a new one.
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Is Animal Crossing worth full price?

Though it's seemingly simple yet addictive and relaxing, it's definitely one of the games with a passionate player base. Animal Crossing: New Horizons will be worth it for a while no matter how it's played.
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Is it better to pay Tom Nook in Bells or Miles?

Bells, meanwhile, pay for essentially everything else -- furniture, clothing, renovations and more. While Miles are important early on, Bells eventually become more necessary, thus making the original Animal Crossing currency the better of the two.
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How do I ask Tom Nook to sell my land?

Enter the Resident Services building and sit at Tom Nook's station (the one on the left). Talk to Tom Nook and select “Let's talk infrastructure.” Select “Sell some land.” Tom will tell you that each plot costs 10,000 Bells to purchase, and that you'll earn Nook Miles when someone moves in.
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How to marry Tom Nook?

To get married, the player must complete these following requirements:
  1. Marriage candidate has 6 Hearts of affection.
  2. View the first 4 Leaf Events, plus Date.
  3. Upgrade house to Stage 3.
  4. Buy the Engagement Ring from Nooklings stores.
  5. Nookling Store is Super T&T or higher.
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Is Tom Nook a billionaire?

According to those calculations, Tom Nook's net worth is $5,770,052,748,058.73 (£4,629,913,419,050.46), which makes him 40 times richer than Jeff Bezos.
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Is Tom Nook divorced?

Tom never married or had his own children, but he did take in two aspirational youngsters, Tommy and Timmy. They work for Nook, and at some point will take over the business. At the time of New Horizons, he is approximately 40 years old.
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Can Tom Nook get mad?

“We think Tom Nook is a very caring, really great guy,” New Horizons producer Hisashi Nogami tells The Verge. “He never gets angry.” For Nogami, Nook isn't necessarily greedy. Instead, he believes the character's money-centric nature is a sign of responsibility.
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What did Crazy Redd do to Tom Nook?

In Animal Crossing: Happy Home Designer, it is implied that Redd has worked with Tom Nook in the past, as Tom Nook may mention that he worked with a fox once, but no longer does after an incident that he refuses to elaborate on. Redd refers to Tom Nook as the "raccoon" and makes several disparaging comments about him.
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Is Tom Nook a father?

Tom Nookedit

Despite the Nooklings' strong resemblance to Tom Nook, the exact nature of their relationship with him is unclear. Timmy's Animal Crossing e-Reader card implies that the Nooklings are Tom's sons or nephews, but in Wild World Nook states that he is not related to them and they are simply his employees.
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What is the max debt in Animal Crossing?

According to a video by ProsafiaGaming, this adds a basement, which like the second floor, is a ten-by-six grid. This upgrade also adds 800 more storage slots, totalling it all to 1,600 slots. This is the last payment and it requires 2,498,000 Bells to be paid off.
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What happens if you hit Tom Nook with a net?

Nothing. Absolutely nothing. Okay, it makes them mad at you. If you hit them once on accident, it's no harm, no foul.
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Will you ever run out of Nook Miles?

Even if you run out of the normal Nook Miles tasks, the Nook Miles Plus will never end.
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What happens when you get 5000 Nook Miles?

Nook Miles Plus: When players manage to earn the 5,000 Miles initial Resident Services fee and upgrade their house, they can get access to “upgraded” tasks. These come in the form of five tasks a day that grant more Nook Miles.
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Is Tom Nook a landlord?

On the other hand, he's a landlord, which is never politically popular, and is most definitely not in this economy. From what I have gathered, the reception to Tom Nook falls into one of two categories: he's an evil loanshark, or he's a generally good guy.
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How to ask Tom Nook for a loan?

If you want to upgrade to a house you'll need to speak to Resident's Services. You can speak to Tom Nook, where he'll offer you a loan on a house. There's no deadline to pay it off and it's interest free.
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