Home Loans for Salaried Professionals
Get a home loan to suit your needs and budget within 48 hours.
What makes HomeFirst home loans suitable for you?
Maximum loan amount
Maximum loan to value of 90% can be provided for housing loan with tenure ranging upto 25 years
This feature facilitates pre-payments in addition to EMI with no pre-payment charge for existing customers.
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.
|8.00%||22.00%||Rs 2,500 + GST*|
Additional fees such as stamp duty, e-filing charges, CERSAI filing charges, and other statutory dues applicable on the Memorandum of Equitable Mortgage may vary depending on the location and will be charged in addition to processing fees.
*GST @ 18.00%
Loans are available to all salaried professionals. Find your eligibility with our handy calculator.Calculate my eligibility
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.
HomeFirst has several specialized loan products, depending on the circumstances of our customers and their unique requirements. As such we are constantly innovating, and now have several varieties of home loans. You can read about all our products here.
Yes, you can still avail of a home loan. Please contact us with details about your requirement, and we will do our utmost to accommodate your special circumstances.
We do consult credit scores, but each of our customer applications are 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.
Your eligibility depends on various factors such as your current family income, credit history & existing financial obligations (if any). Use our home loan eligibility calculator to know your eligibility. Or leave your contact details on the website & we will show you a way forward.
Our full and final list of documentation is available in a convenient schedule here. HomeFirst understands that proof of income is not always available for self-employed customers, so we find other ways to ensure that you have a steady source of income. Apply for a loan today, and our relationship managers are sure to assist you in every way.
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.
HomeFirst understands that although you have a steady income with a salary, it doesn’t always mean that you have savings available easily. Many salaried professionals push their dreams of owning their homes forward because of this reason. So, we have devised a product that provides you up to 90% of the principal you require, and we assist with the down payment too. Pay for your home loan at leisure, with the minimum upfront investment that the market can offer.
At the time of your loan approval, you are required to fill out an ACH form, to allow the EMIs to be directly deducted from your bank account at a fixed time every month. All you need to do is ensure that your account has sufficient balance, and we will take care of the rest.
Absolutely. HomeFirst encourages their customers to avail of the long-term savings by increasing their EMI amounts each month to reduce their principal, and therefore reduce the tenure.
Can I apply jointly with my spouse? Will both our salaries be taken into consideration for calculating the loan amount?
Yes, absolutely! HomeFirst encourages co-applicants for home loans and does indeed consider all sources of income while deciding on principal amounts and EMI payments.
It is possible to avail of tax benefits under Sections 24 and 80C of the Income Tax Act. Please contact us or a tax expert for more details on how this could affect your tax filing.
I always wanted to buy a home for my family. HFFC gave me the confidence and the support to achieve this.