[Closed] Returning player needing some guidance.

[Never]

So, new steam account means new CD-Key for warband, your Ni account characters will only work if you join with the old CD-Key, or if you request a transfer from Naozumi, which will take quiet a few days (maybe weeks) to be done.

About the houses, if you have a character that has gold, you can pay what you "owe" for the house i believe.