How to earn and pay early with HomeFirst? - HFFC

How to earn and pay early with HomeFirst?

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Do you want to add extra income to your pocket sitting at the comfort of your own home? At HomeFirst, we have a special scheme for all our customers which can help them make extra money. This can be one of the most effective ways to reduce your home loan amount earlier. Just refer your friends and family with our top-notch referral programme and get unlimited benefits. WIth HomeFirst, you can help your friends and family and at the same time, earn money sitting at home. How amazing is that!


What is a Referral Programme

Referral Programme is basically an option to earn money by referring a friend or family as a potential customer for a business. There are many big brands that are currently opting for the latter as their preferred reward in referral marketing programmes. There can be unlimited benefits that offer cash payouts, store credit and so on. You can earn cash or gift cards from top retailers like Amazon and Walmart for your referrals.


How can you earn money with HomeFirst online?

HomeFirst provides this benefit of referral programme only to their existing customers. These customer referrals can be extremely beneficial to your income as each referral can help you earn ₹2000. So, let’s say you make 5 successful referrals in a month, you can easily earn extra ₹10,000 per month. This money can help you pay off your loan earlier through partpayments or prepayments. In case you do not want to make prepayments or partpayments, this can reduce the EMI amount of that month.


Note that the referral is counted only if your friend borrows a loan with us. 


How much can I earn with HomeFirst’s Referral Programme sitting at home

This is the most common question when it comes to the mind of customers. Well, the good news is there is no limit to the amount you can earn with the Referral Programme of HomeFirst. You can refer this to as many friends/family as possible. For each successful referral, you earn ₹2000. Follow the process below to start with HomeFirst Referral Programme-

  1. Open Your HomeFirst Customer Portal.
  2. Scroll down to find ‘Get Assured ₹2000 voucher’.
  3. You will find the ‘Refer a Friend’ page.
  4. Fill in the details which are required of the person you are referring to for a home loan.
  5. Click on Submit.



  • The person you are referring to should not be an existing customer of HomeFirst.
  • You get the amount only if their loan amount is sanctioned by HomeFirst.


Understand how this works

When you share the code generated by HomeFirst with your friend, you help a person in getting their dream home sanctioned with us. As a reward for your efforts, we credit ₹2000 to your loan account. This money can be used by you to pay off your home loan earlier. If not, this can also be used to reduce the burden of your EMIs. Also, this is just a smart way to use your networking skills and earn money online.


HomeFirst has their referral designed in a way that we are able to shape the future of home financing. We wish that everyone should have a home of their own. Through the HomeFirst Referral Programme, we wish to reach as many people as possible with your help to make our vision successful. This programme is also aimed to reduce the burden of your home loan by giving you monetary benefits on your loans.


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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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