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| Home First Finance Home Loan Highlights – 2025 | |
| Interest Rate (floating) | 11.90% – 15% p.a. |
| 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 4 April 2025.
Table of Contents
Home First Finance Home Loan Interest Rate
Home First Finance offers home loan interest rates starts from 11.90% p.a. that shall depend on the applicant’s income profile and type of property.
Compare Interest Rates on Home Loans for Top Banks & HFCs
| Name of Lender | Loans Up to Rs. 30 Lakh | Loans Above Rs. 30 Lakh to Rs. 75 Lakh | Loans Above Rs. 75 Lakh | |
| SBI | 8.00%-9.20% p.a. | 8.00%-9.20% p.a. | 8.00%-9.20% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.45% p.a. onwards | 8.45% p.a. onwards | 8.45% p.a. onwards | Check Eligibility |
| Bajaj Housing Finance | 7.99%-17.00% | 7.99%-17.00% | 7.99%-17.00% | Check Eligibility |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Axis Bank | 8.75%-12.80% p.a. | 8.75%-12.80% p.a. | 8.75%-9.65% p.a. | Check Eligibility |
| Federal Bank | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Check Eligibility |
| Punjab National Bank | 8.05% - 9.85% p.a. | 8.00% - 9.75% p.a. | 8.00% - 9.75% p.a. | Check Eligibility |
| Kotak Mahindra Bank | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Bank of Baroda | 8.00% - 9.65% p.a. | 8.00% - 9.65% p.a. | 8.00% - 9.90% p.a. | Check Eligibility |
| Canara Bank | 8.00% – 10.75% p.a. | 7.95% – 10.75% p.a. | 7.90% – 10.65% p.a. | Check Eligibility |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| IDBI Bank | 8.40% p.a. onwards | 8.40% p.a. onwards | 8.40% p.a. onwards | Check Eligibility |
| Punjab & Sind Bank | 8.05% – 11.25% p.a. | 8.05% – 11.25% p.a. | 8.05% – 11.25% p.a. | Check Eligibility |
| RBL Bank | 9.00% p.a. onwards | 9.00% p.a. onwards | 9.00% p.a. onwards | Check Eligibility |
| LIC Housing Finance | 8.00% p.a. onwards | 8.00% p.a. onwards | 8.00% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Check Eligibility |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% onwards | 8.75% onwards | 8.75% onwards | Check Eligibility |
| Aditya Birla Capital | 8.60% onwards | 8.60% onwards | 8.60% onwards | Check Eligibility |
| India Shelter Home Loan | 11.59% onwards | 11.59% onwards | 11.59% onwards | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Godrej Housing Finance | 8.55% onwards | 8.55% onwards | 8.55% onwards | Check Eligibility |
| Home First Finance | 11.90% onwards | 11.90% onwards | 11.90% onwards | Check Eligibility |
| Easy Home Finance | 8.95% onwards | 8.95% onwards | 8.95% onwards | Check Eligibility |
| Piramal Capital Housing Finance | 9.50% onwards | 9.50% onwards | 9.50% onwards | Check Eligibility |
| Cholamandalam Investment and Finance | 10.50% onwards | 10.50% onwards | 10.50% onwards | Check Eligibility |
Compare Home Loan Schemes Offered by Top Lenders Compare Now
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 |
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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
Check Lenders Offering Home Loan at Attractive Interest Rates Click Here
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)
Check Lenders Offering Home Loan With Overdraft Facility Click Here
Home First Finance EMI Calculator
Prospective HFFC Home Loan applicants can use the home loan EMI calculator to know their optimal EMI and loan repayment period before making the loan application.
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
FAQs on Home First Finance
What is the rate of interest of Home First Finance India?
Ans. The interest rates for Home First Finance India starts from 11.90% 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?
Ans. 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?
Ans. Home First Finance has not disclosed the minimum credit scores required for availing home loans. However, 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?
Ans. 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?
Ans. 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?
Ans. 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?
Ans. 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?
Ans. 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?
Ans. 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.
In case of home loan-related queries, how should I get in touch with Home First Finance Company?
Ans. For any queries or complaints related to housing loans, get in touch with Home First Finance company at:
- For new inquiries related to a home loan, call at – +91-8880649911
- Existing customers can call at – +91-8880549911