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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₹65k Cr+Loans Disbursed

Competitive Interest Rates

Starting 7.10% p.a.

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Offers from 25+ Banks & HFCs

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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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Curated Offers from Multiple Lenders

Highest Loan Approval Chances

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.

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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 14th April 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% - 11.90% p.a.

Bajaj Housing Finance 7.15% p.a. onwards

Bank of India 7.10% - 10.25% p.a.

Canara Bank 7.15% - 10.00% p.a.

Easy Home Finance 8.99% p.a. onwards

Federal Bank 7.30% - 10.75% p.a.

Godrej Housing Finance 7.60% p.a. onwards

HDFC Bank 7.20%* p.a. onwards

HDFC Sales Pvt. Ltd. 7.20%* p.a. onwards

ICICI Bank 7.45% p.a. onwards

IDBI Bank 7.35% p.a. onwards

IDFC FIRST Bank 8.85% p.a. onwards

India Shelter Home Loan 14.00% p.a.

Jio Housing Finance 8.20% p.a. onwards

L&T Finance Limited 7.65%* p.a. onwards

Piramal Capital Housing Finance 9.99% p.a. onwards

PNB Housing Finance 7.50% p.a. onwards

Punjab & Sind Bank 7.30% - 10.70% p.a.

Punjab National Bank 7.25% - 9.30% p.a.

RBL Bank 8.20% p.a. onwards

Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a. onwards

Shubham Housing Finance 10.45% p.a. onwards

State Bank of India 7.25% - 8.95% p.a.

Tata Capital Housing Finance 7.50% p.a. onwards

Name of Lender	Interest Rates
Axis Bank	8.00% - 11.90% p.a.
Bajaj Housing Finance	7.15% p.a. onwards
Bank of India	7.10% - 10.25% p.a.
Canara Bank	7.15% - 10.00% p.a.
Easy Home Finance	8.99% p.a. onwards
Federal Bank	7.30% - 10.75% p.a.
Godrej Housing Finance	7.60% p.a. onwards
HDFC Bank	7.20%* p.a. onwards
HDFC Sales Pvt. Ltd.	7.20%* p.a. onwards
ICICI Bank	7.45% p.a. onwards
IDBI Bank	7.35% p.a. onwards
IDFC FIRST Bank	8.85% p.a. onwards
India Shelter Home Loan	14.00% p.a.
Jio Housing Finance	8.20% p.a. onwards
L&T Finance Limited	7.65%* p.a. onwards
Piramal Capital Housing Finance	9.99% p.a. onwards
PNB Housing Finance	7.50% p.a. onwards
Punjab & Sind Bank	7.30% - 10.70% p.a.
Punjab National Bank	7.25% - 9.30% p.a.
RBL Bank	8.20% p.a. onwards
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards
Shubham Housing Finance	10.45% p.a. onwards
State Bank of India	7.25% - 8.95% p.a.
Tata Capital Housing Finance	7.50% p.a. onwards

*when applied through Paisabazaar
Rates as of 13th April 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

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

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.

Apply Now

Explore Our Home Loan Lenders

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FAQs

What is the rate of interest of Home First Finance India?
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.
How to apply for Home First Finance home loan?
Home Loan applicants can visit Home First Finance’s website or visit the lender’s branch to apply for HFFC Home Loan.
What is the minimum credit score to apply for Home First Finance 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.
How can I repay my Home First Finance company home loan?
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.
Is the Home First’s Home Extension and Renovation Loan only available to its current customers or can new customers apply for HFFC home loans?
Customers, both current and new, are welcome to apply for a home extension and renovation loans by Home First Finance Company.
Is it mandatory to have a residential address in India to apply for an HFFC Home Loan for NRIs?
Yes. An Indian address is required to apply for an NRI Home Loan by Home First Finance.
Who can be my co-applicant for Home First NRI Home Loan?
A close relative or a family member can be a co-applicant for a Home First Finance NRI Home Loan.
What are the documents required for Home Loan Balance Transfer by Home First Finance?
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.
What documents are required to apply for an HFFC home loan top-up or refinance?
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.
View All FAQ's

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View All Articles

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...
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..
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.
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.
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.
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!
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.
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.
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.
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.
Soumil KhannaSep 3, 2021
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Written By
Vandana Punj

Reviewed By
Shamik Ghosh

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