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Reading room
Things about homes you wish you had known.
13 Jun, 2025 11:37 AM
Self-Undertaking and Document Checklist – PMAY 2.0
Basic necessary documents to be uploaded for PMAY 2.0 subsidy application – Self-Undertaking under Interest Subsidy scheme (ISS): The Annexure-2C is the declaration that has to be filled by the beneficiary as a fulfilment of eligibility criteria of income and not owning a pucca house anywhere in India on his/her name or any other […]
13 Jun, 2025 11:36 AM
Female Ownership & Exception for inclusion under PMAY 2.0! EXPLAINED
The rule says – The houses constructed/acquired/purchased should be owned or co-owned by a female head of the household. What if, there is no female ownership? Three Scenarios under PMAY 2.0 – There is no adult female member in the family! The scheme guidelines allow male-only ownership in this case. For an applicant […]
13 Jun, 2025 11:35 AM
Your Income Group = Eligibility chances, Let’s quickly understand –
EWS (Economically weaker section) – Upto ₹3,00,000 Higher chance of qualification As the Loan amount and property value would usually fit within PMAY 2.0 eligibility criteria. Lower risk of early loan closure – more likely to avail the full 5 instalments of the scheme (₹36,000/year) LIG (Low Income group) – ₹3,00,000 – ₹6,00,000 High […]
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FAQs about all things loan.
Depending on the EMI amount that you can afford every month, a tenure is fixed for you by our relationship managers. To get an idea of what your loan with HomeFirst could look like, you can use our handy EMI calculator.
We do consult credit scores, but each of our customer applications is handled individually and personally. So long as we can be assured that you will be able to pay the EMIs regularly, we encourage you to apply for a home loan with us. The advantage of dealing with HomeFirst is that we consider each applicant personally, and not the basis of numbers alone.
A PIO or Person of Indian Origin is an individual with a foreign citizenship, who can either trace their family to India, have formerly held Indian citizenship, or are married to an Indian national. As of January 2015, this identification card has been discontinued, and merged with the OCI (Overseas Citizen of India) program instead.
HomeFirst home loans give you up to 90% of the agreement value, and even assist with the initial down payment. This makes HomeFirst home loans for salaried professionals unique, as no other loan provider offers such a large percentage of the agreement value.
Yes, the EMI amount can most certainly be increased. Using our auto prepay feature, we encourage our customers to increase EMI payment amounts and reduce their tenure, resulting in long-term savings for them, through a reduction in the principal amount.
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