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Home First Finance Home Loan

Home First Finance Company offers home loans @ 8% p.a. onwards for loan tenures of up to 25 years and loan amounts of up to 90% of the property’s value. The housing financing company offers home loans to self-employed and informal salaried individuals without proof of income. It also offers home loan balance transfer facility, has set up a paperless home loan processing system, offers a special home loan scheme for senior citizens with extended tenures and claims to provide home loan approval in 48 hours.
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Lowest interest rates starting from 7.1%

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15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 8% p.a.

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Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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Dedicated Customer Support

Expert Assistance at Every Step

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Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Curated Offers from Multiple Lenders

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Highest Loan Approval Chances

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Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Home First Finance Home Loan Highlights

Interest Rate (floating) 8% p.a. onwards
Loan Amount Up to 90% of Property Value
Loan Tenure Up to 25 years
Processing Charges Rs 2,500+18% GST

Note: Interest Rates as on 4th February 2026

Home First Finance Home Loan Interest Rate

Home First Finance offers home loan interest rates starting from 8% p.a. depending on their income profile and type of property.

Compare Home First Finance Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Axis Bank 8.00% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.60% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
ICICI Bank 7.65% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.50% p.a.
Punjab & Sind Bank 7.30% p.a.
Punjab National Bank 7.20% p.a.
RBL Bank 8.20% p.a.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.50% p.a.

*when applied through Paisabazaar

Rates as of 4th February 2026

Home First Finance Fees & Charges

Processing Fees and Prepayment charges

Particulars Fees and Charges
Login Fees Rs. 2,500
Foreclosure charges Nil

Other charges

Particulars Fees and charges
Pre-EMI/EMI bounce charges Rs 500 + GST @ 18% per bounce
Default Penalty 2% p.a. compounded monthly
Documents Retrieval Charges NIL
SOA Rs 100 Per Request (No charges for First Request)
Project Appraisal Charges
  • Up to Rs 10 lakh: Rs 10,000
  • Rs 10 lakh to Rs 20 lakh: Rs 21,500
  • Above Rs 20 lakh: Rs 25,500

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Your Dream Home

Types of Home First Finance Home Loan

Home Loans

  • Purpose: HFFC offers home loans for salaried professionals for buying a new house. You can also avail of a loan with joint borrowers, depending upon your and your co-borrower’s eligibility.
  • Interest Rate: 11.90% – 15% p.a.
  • Loan Amount: Up to 90% of agreement value
  • Tenure: 25 years

Home Construction Loans

  • Purpose: Home First Finance offers home construction loans for people who want to construct a house on their existing land or need funds to add new infrastructure to their existing home. The loans include funds to start new construction, to complete unfinished construction, or for any renovation works.
  • Interest Rate: 11.90% – 15% p.a.
  • Loan Amount: Up to 85% of the total construction cost

Home Extension and Renovation Loans

  • Purpose: Home First finance offers home extension/renovation loans for individuals looking for funds to renovate or improve their homes. The loans include funds to start new construction, to complete unfinished construction, or for any renovation works.
  • Loan Amount: Minimum Rs. 2 lakh
  • Processing Fees: Rs. 17,688 – Rs. 28,303
  • Loan Amount: Up to 90% of the total construction cost or estimated value
  • Repayment Tenure: Up to 20 years
  • Co-applicant: Applicable

Home Loan Balance Transfer

  • Purpose: Loans with 2 years fixed + Floating rate of interest
  • Interest Rate: 11.90% – 15% p.a.
  • Loan Amount: As per the requirements
  • Tenure: As per the requirements

Home Loan Top Up

  • Purpose: For existing home loan customers and for balance transfer customers who need additional financing for personal or business requirements.
  • Eligibility: For existing customers, we should have a regular repayment history of at least a year. New customers also must submit proof of their good credit history.
  • Interest Rate: New rate of interest for Top Up loan and subject to existing home loan
  • Loan Amount: The total loan amount cannot exceed 90% of LTV

Eligibility Criteria

  • Indian Residents/NRIs/PIOs
  • Salaried Professionals/Self Employed individuals
  • Credit Score Preferably 750 and above
  • Income shall vary from case to case

Besides the above-mentioned eligibility criteria, your home loan approval also depends on other factors such as your current family income, credit history & existing financial obligations (if any). Your home loan eligibility criteria may vary a little depending upon the type of home loan you are going for.

Documents Required

Following documents are required to successfully apply for Home Loans by Home First Finance Company:

  • Duly filled and signed home loan application form
  • A cheque for the processing fee
  • Proof of identity (Aadhaar card, Passport, PAN card, Driving license, Voter ID, or Employer-issued ID card)
  • Proof of Residence (Passport, Ration card, Aadhaar card, Utility bills, or Lease agreement)
  • Proof of Income for Salaried (Latest salary slips for 3 months, Latest Form 16, and Latest ITR)
  • Proof of Income for Self-employed professionals (Latest ITR, P&L, and balance sheet for 3 years and Proof of business for last 3 years)
  • Other documents (Bank Statements of last 6 months and Passport size photographs)

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

The interest rates for Home First Finance India starts from 8% p.a. However, the final interest rates offered by the lender will depend on several factors including the loan applicant’s income, credit profile, loan scheme, occupation profile, repayment capacity, etc.

Home Loan applicants can visit Home First Finance’s website or visit the lender’s branch to apply for HFFC Home Loan.

Home First Finance has not disclosed the minimum credit scores required for availing home loHowever, the lender may consider the credit scores of their loan applicants while assessing their home loan applications.

At the time of your loan approval, you will be required to fill out an ACH form. This form will allow the EMIs to be deducted right from your bank account at a fixed time every month. All you need to do is to ensure that your account has enough balance.

Customers, both current and new, are welcome to apply for a home extension and renovation loans by Home First Finance Company.

Yes. An Indian address is required to apply for an NRI Home Loan by Home First Finance.

A close relative or a family member can be a co-applicant for a Home First Finance NRI Home Loan.

At the time of submitting your HFFC balance transfer home loan application, you are required to provide documents related to your existing home loan along with other applicable documents such as income proof (if applicable), property documents, bank statements, and KYC documents.

Existing Home First customers do not need to resubmit their identity and address papers to apply for this loan. However, the property will be re-evaluated.

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What our customers say

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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