How to Avail Home Loan Online with Home First Finance Company?

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home loan

Purchasing a property is now simpler than ever. You may live your best life with a HomeFirst home loan. Apply for a home loan online with us and take advantage of our EMI option and speedy processing. You may even track the status of your loan after you’ve applied. And there’s more. We have also broadened our criteria in order to make them more accessible. You can also easily transfer an existing home loan if you already have one. So, come to Home First Finance Company and live in your dream home.

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Home Loan Key Features:

Specially crafted loans with advantages:

Maximum loan amount:

Maximum loan to value of 90% can be provided for housing loans with tenure ranging up to 25 years

No income proof:

Self-employed or informal salaried We don’t require income proof to sanction a loan.


This feature facilitates pre-payments in addition to EMI with no pre-payment charge for existing customers

Loan enhancement:

Have an unexpected expense, or has the property value increased? Don’t worry, because we will add on the extra amount to your existing loan.

HomeFirst Home Loan Benefits:

Digital Process from Start to Finish
Home First Finance Company‘s online house loans allow you to apply for a loan from the comfort and safety of your own home or office.

Assistance 24×7
Our chat service on our website and WhatsApp is accessible 24 hours a day, 7 days a week to help you with your housing loan questions.

Manage your home loans online.
Once you have obtained a loan, you can log in to your account on our website. You can obtain account statements, and interest certificates, and request home loan disbursement, among other things.

Documentation is simple and painless.
Applying for an online home loan is simple and quick, with little paperwork required. Our home loan professionals are available to assist you with your loan application and provide guidance every step of the way.

Tips to Consider When Applying for a Home Loan:

A home loan allows you to acquire a residential property and grow an asset while also benefiting from tax deductions. You must pay a set amount of the property’s cost out of your own finances, usually up to 20%. The loan amount can be returned over a certain length of time at your convenience. Under Income Tax regulations, both the principal loan amount and the interest repayment are deductible. A home loan application can be completed in person at a bank branch or online. Let’s take a look at some pointers to bear in mind when applying for a loan.

  • Because a home loan is a long-term commitment, you should be certain about how much you can afford in Equated Monthly Instalments (EMIs). Calculate all of your expenses, including other loan and credit card payments, from your take-home salary to determine how much you can afford in-house loan EMI. Banks often allow EMIs of up to 40% of your take-home loan pay.
  • If you apply for a hefty loan, the bank may turn you down. Furthermore, once you know how much you qualify for, you may plan for the remainder of the down payment.
  • Applying for a home loan at a company where you have already a financial relationship is recommended. If the bank already knows your payment history and confidential info such as employment, salary, and so on, the Know Your Customer (KYC) procedure will take less time.
  • In most situations, a bank will view a customer with a strong payback record and strong credit scores favorably and may offer speedier approval and disbursement, flexible repayment schedules, or lower processing charges. The bank may give a cheaper interest rate on the house loan in specific instances.
  • Ascertain that the project where you are purchasing your home has received all legal and regulatory clearances. Alternatively, see whether your bank has a list of authorized projects or if your project has been approved by your bank. This will also aid in the quicker approval of your home loan application.
  • If you require a larger loan amount but your income does not allow it, consider taking out a combined loan with your spouse/parent/sibling. You could alternatively choose a loan with a longer repayment period. A longer payback time results in a reduced EMI and, as a result, a lower load on your monthly expenses.

At Home First Finance Company, our goal is to assist our customers in realizing their goals of owning a home, as well as to be a part of their journey of acquiring a home and simplifying the process from the time they express their intent and want to acquire a home to the time they settle down in their new home.

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Also read:

Tax Benefit on Top Up Loan

Quick Home Loan Approval

Home Loan Without Income Proof

Minimum Documents Required for Home Loan

How to Reduce Home Loan Interest Rates

Tax Benefits on Second Home Loan

Home Loan Top Up

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Interest rates and other charges depend on the products. Please refer to the individual product pages for the rates.

Your home loan will be processed in 2 steps:

  1. You receive the approval of your home loan.
  2. You sign the loan agreement papers and complete other necessary documentation. The loan amount is thereafter paid directly to the builder by Home First Finance Company.

Loan decisions are made in less than a week. You will receive an SMS on your registered mobile number as soon as we make a decision.

HomeFirst does not charge any prepayment fees. This applies to both partial and full repayments. In fact, we have a special Auto-Prepay feature to facilitate this process for you.

HomeFirst offers loan tenures between 1 year to 25 years. If you opt for a longer tenure, you can get the advantage of a lower EMI each month.

HomeFirst can provide finance up to 90% of the property value. The balance has to be arranged by you from other sources. Please note: 90% financing is only available for loans amounting to less than Rs. 30 lakhs.

All co-owners of the property have to be co-applicants to the loan. A person who is not a co-owner can also become a co-applicant to the loan.

During the construction phase, HomeFirst will disburse funds to the builder on your behalf. These will be based on payment requests made by the builder as per the construction schedule.

HomeFirst will charge interest only on the amount disbursed as loan during the construction phase. In this period, interest is charged only on the disbursed loan amount. For example, if you have a sanctioned loan of Rs 10 lakhs, but the property is under construction and we have disbursed only Rs 4 lakhs, you will be charged interest only on 4 lakhs. These interest payments are referred to as pre-EMI interest payments.

EMI payments will start only after completion of the project and registration of the property.

All cheques to HomeFirst should be written out in favor of ‘Home First Finance Company India Limited’.

In the event of an unfortunate incident, home loan insurance will help you or your family pay off the home loan. This ensures that the burden does not suddenly fall upon family members at a bad time.

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