Will you pay Nook back for the final mortgage?

[purple_vixen]

As the title asks - will you pay off your house's final mortgage? I know that paying the mortgage off gives you permanent free exterior upgrades (or so I read). Are there any other benefits? I have started to repay my mortgage as a target to achieve, but I wonder if I should be bothering. I have paid my houses off in previous games, maybe just because I am a goody two shoes.

 

[usa-chan]

atm, no. i'm planning on using my igb to get the last of my villagers so until that happens, i'll be in debt to him oops

 

[Hesper]

Aren't there miles to be had if you do? Or am I mixing something up? Either way yes, eventually.

 

[Eirrinn]

you get a nook miles achievement for it

 

[dino]

absolutely not, unless i get my modern exterior options and additional room size change options, in a future DLC upgrade.

rebel ! anarchy ! demand your creative housing rights !

 

[Khaelis]

I already did. Free exterior changes, ftw.

 

[Jas]

i did just bc i like completing things! also - free exterior changes every day = nook miles achievements!

 

[Starlightt]

Yes because I'm a completionist and I don't want a mortgage hanging over my head. Tom nook knows people ya know.

 

[Xara]

i might sometime in the future once i’ve had more time to earn more bells but rn all my bells are going toward bridges and inclines lol

 

[Fluuffy]

Nope, because I gotta pay for my bridges and inclines first ;-;

 

[Arithmophobia17]

for now, no, but if i find myself with about a million extra igb beyond that loan's worth i probably will. I like having backup bells for emergency able sisters visits lol

 

[MindlessPatch]

I didn't realise it was the final one so I paid it off accidentally lol. I still would have eventually paid it off but like much later on.

 

[Noctis]

not at the moment. I do want that free exterior change though but first I wanna focus on paying future inclines and bridges and also buying wishlist items. I'm good for the time being with that extra storage

 

[Foxxie]

Yeah I will. I've got all my outdoor expenses (ramps etc) completed, so there isn't much else to spend on, other than items for decorating.

I know you can get away with not paying it, but somehow it doesn't feel right to me, not pay that debt, lol!

 

[Piroshi]

Eventually, but I'm not in any rush. Right now I have other uses for the money.

 

[DinoTown]

I have all the money for it but like, only just and I don't wanna lose all my savings for no reason other I like having a large number in the bank to never ever spend.
But I wanna pay of the loan, so I guess I gotta bite the bullet.

 

[UglyMonsterFace]

Already paid it off ^_^ I like the feeling of being debt free! Plus I'm a completionist so it was always the plan. Might as well get it over with now and get the Nook Miles for it, and the free exterior remodels

 

[Thundawave]

I did. I had the money to spare thanks to a good turnip week, so it wasn't a huge sacrifice. Being debt-free feels good.

 

[LambdaDelta]

I did that something like a week after I got the loan max

 

[Mosshead]

Probably. Feels reassuring to know that when I visit the Town Hall I won't have to feel Tom Nook's steely gaze on me anymore, contemplating when to send his goons to beat my arse.