emi paramaters
- %
Growing your business was
never this easy
Start the process
within minutes
Get free counselling at your doorstep by our experts.
More is
better
Double your loan eligibility! We consider the entire family income.
Money in your
bank
Fastest disbursal for all your needs.
It's simple, speedy and supportive
Our team will guide you through the process.
Take the first step.
Our loan application process is simple.
Have a chat with us.
Our team will come and meet you to understand your needs.
Relax, it's all digital!
It's simple and secure for your time and energy.
You get a loan!
We guarantee a sanction in just 48 Hours.
Why choose HomeFirst?
Because we value your time.
We guarantee approval in just 48 hours!
We believe in you, not just your documents.
Designed just for you.
One app for everything!
Designed for your benefits
Count on our trusted advisors
We understand if you are buying/building a home for the first time and you have a lot of questions. Trust us, you have come to the right place.
Double your loan eligibility
We understand that modern families today have varied sources of income and we keep that in mind for your needs.
Skip the tension
Your documents are safe in a smart and weatherproof locker. They will be made available to you upon placing a simple request.
No hidden charges
Being transparent is our second nature. We will mention all our charges and explain every detail about the loan to you.
Guarantors are over-rated
If you have a solid income and are confident about paying your EMIs regularly, then we don't care for a guarantor in the loan.
Zero prepayment charges
Yes, we encourage regular pre-payments. Clear your loan faster and save lakhs on your interest. Pre-pay at your convenience through the app, it's your superpower!
Know your EMI
Here's a calculator for your understanding.
Here's your document checklist
Keep the originals handy.
Personal documents
Aadhaar card
PAN card
Driver license
Voter ID
Passport
Professional documents
Bank statement
ITR
Salary Slip
Residential documents
Sale deed
Property tax
Personal documents
Aadhaar card
PAN card
Driver license
Voter ID
Passport
Professional documents
Bank statement
ITR
Residential documents
Sale deed
Property tax
Have more questions?
Find the answers here.
FAQs about all things loan.
EMI are calculated at the time of loan processing, and comprise a portion of the principal and interest payable on the loan. EMIs are deducted from your account every month for the tenure of the loan.
The interest rates are published on the shop loan product page. We process shop loans like our home loans, and thus interest is determined based on analysis of your application, and will be discussed with you in detail at the time of your loan approval.
No, HomeFirst does not require assets as security against any of our loans.
Shop loans are special loans intended to assist you set up a space for your business. You can use a shop loan to buy, build, or renovate your place of business, and you don’t even require income proof to apply.
While it is not mandatory to insure the property from a loan standpoint, we highly recommend that you do so anyway. We hope our customers never face any distress, but believe in safeguarding oneselves in the case of unforeseen events.
Reading room
Things about homes you wish you had known.
17 Sep, 2025 06:35 AM
Why Tier 2 Cities Are Winning the Homeownership Game
Not all homes are created equal. Not because of the paint shade or the fancy floor tiles, but because of where they stand. A recent HomeFirst study put this under the microscope, asking: what does homeownership really do for families in different parts of India? We spoke to 280 households across 10 cities, crunching numbers […]
01 Sep, 2025 11:01 AM
How EMIs Build Financial Confidence
EMIs have a bad reputation. Ask anyone about EMIs, and you’ll hear a dramatic sigh. For most people, it sounds like a monthly punishment—like a gym membership you can’t skip. Every month, right on time, no excuses. A hard commitment. Although, EMIs do much more than most people realise when they are paying back the […]
05 Aug, 2025 06:37 AM
Women Make Homes, Homes Make Women Stronger
What changes when a woman owns a home? More than you might think. In India’s affordable housing journey, we often talk about the number of houses built or loans disbursed. The impact of homeownership has been absent in the conversation. We rarely talk about how homeownership feels–especially in the case of women. There’s a gap […]
