Home First Finance Home Loan
Interest rates from 8% p.a. (up to 22%) · EMI from ₹36,688/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Home First Finance home loans
Technology-driven affordable-housing lender focused on first-time buyers, with risk-based pricing.
Home First home loan EMI table (8% p.a.)
Monthly EMI at Home First's minimum rate. Tap any amount for the full breakdown.
How much interest will a Home First loan cost?
A ₹50 lakh Home First home loan at 8% over 20 years means about ₹50.37 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
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Frequently Asked Questions
What is the Home First Finance home loan interest rate in 2026?
Home First Finance offers home loans starting at 8% p.a., going up to 22% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Home First home loan?
At 8% p.a., a ₹50 lakh Home First home loan has an EMI of about ₹41,822 for 20 years — roughly ₹36,688 for 30 years and ₹47,783 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Home First home loan?
Home First Finance's processing fee is Up to 2%, with a maximum tenure of 25 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Home First home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Home First home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Home First Finance before applying. NestSaver is an information and planning service, not a lender.