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Home First Finance Home Loan Interest Rate

Home First finance offers home loans to its creditworthy applicants at low interest rates for purchase, construction and renovation of residential properties. The lender has not disclosed its differential interest rates based on the loan amount, credit score, LTV ratio, job profile and loan types. However, most lenders set their home loan interest rates based on the factors mentioned above.
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Competitive Interest Rates

Starting 7.10% p.a.

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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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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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Current Home Loan Interest Rate of Home First Finance

Home First Finance offers home loan interest rates starting from 8% p.a. onwards depending on the applicant’s credit profile. The lender might consider factors including loan amount, LTV ratio, employment profile, property type and loan type while setting its home loan interest rates.

Compare Home First Finance Home Loan Interest Rates with Top 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.
Home First Finance 8.00% p.a.
ICICI Bank 7.45% 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

EMI Examples of Home First Finance Home Loan

For a tenure of 30 years

Loan Amount Interest Rate (p.a.) Loan Tenure (years) EMI (Rs.)
Rs. 40 lakh 8.00% 30 29,351
Rs. 30 lakh 8.00% 30 22,013
Rs. 20 lakh 8.00% 30 14,675

For a tenure of 20 years

Loan Amount Interest Rate (p.a.) Loan Tenure (years) EMI (Rs.)
Rs. 40 lakh 8.00% 20 33,458
Rs. 30 lakh 8.00% 20 25,093
Rs. 20 lakh 8.00% 20 16,729

Factors Affecting Home Loan Interest Rates

The below-mentioned factors affect your home loan interest rates:

  • Credit Score - Lenders usually offer lower interest rates to applicants having a credit score of 750 and above.
  • Loan amount - Higher the loan amount, higher is the credit risk and eventually higher is the interest rate.
  • LTV ratio - Lower the LTV ratio, lower will be the interest rate.
  • Employment profile - Government and private sector employees are usually offered a lower interest rate as compared to self-employed individuals.
  • Existing relationship with the lender - Existing customers of banks and HFCs with a strong credit profile are usually eligible for pre-approved loans offering preferential interest rates.

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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.

Apply Now

Explore Our Home Loan Lenders

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FAQs

What is the current home loan interest rate offered by Home First Finance?

The current home loan interest rate offered by Home First Finance starts from 8% p.a. onwards depending on the credit worthiness of the applicant.

What is the difference between fixed and floating interest rates?

The floating rates are variable and are linked to the repo rate. The rates change with the change in the repo rate over the loan tenure. However, fixed interest rates are constant and remain unchanged throughout the loan tenure.

Does Home First Finance home loan interest rates depend on the credit score?

The HFC has not disclosed its differential interest rates depending on the credit score. However, most lenders set their home loan interest rates based on the credit score. Applicants having a credit score of 750 and above usually have higher chances of getting their home loans approved at lower interest rates.

Can I transfer my Home First Finance home loan to another lender?

Yes, you can transfer your home loan from Home First Finance to another lender if the new lender offers better rates and terms as compared to the current lender.

How often does Home First Finance change its home loan interest rates?

Home First Finance home loan interest rates are floating in nature. The HFC changes its home loan interest rates every time the RBI resets its repo rate.

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What our customers say

Time saving process

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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