Buying a home is one of the biggest dreams for most Indians—and often the biggest financial commitment of their lives. In the Sumeet Pareek Podcast, founder of Loan In Touch, breaks down the realities of home loans in India. This Hindi business podcast explains how loans really work, what banks look for, and how borrowers can avoid costly mistakes while taking a home loan.
Who is Sumeet Pareek?
A common question listeners ask is—who is Sumeet Pareek, and why should you trust his advice on home loans and CIBIL scores?
In the Sumeet Pareek Podcast, Sumeet shares insights from years of hands-on experience in the lending ecosystem. As the founder of Loan In Touch, his company helps borrowers complete documentation, get approvals, and receive loan disbursements—often within 72 hours. His entire career revolves around simplifying the loan process, making his insights practical and reliable.
What Does Your CIBIL Score Really Mean?
One of the most misunderstood topics discussed in the Sumeet Pareek Podcast is the CIBIL score. Many people assume CIBIL is a government body, but it’s actually a private credit information company. Your score reflects your financial behavior—credit card usage, EMIs, repayment history, and defaults. Banks rely heavily on this score to decide whether you qualify for a loan and at what interest rate.
How Do Banks Decide Who Gets a Loan?
In the Sumeet Pareek Podcast, Sumeet explains that banks don’t judge eligibility based only on salary. They evaluate income stability, monthly expenses, existing loans, and repayment discipline. A key tip he shares is keeping EMIs under 50% of monthly income to improve approval chances and negotiate better interest rates.
He also highlights hidden costs like MOD charges, risks in resale properties, and unexpected fees that borrowers often overlook—expenses that can disrupt financial planning if ignored.
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How RBI Repo Rates Affect Your Loan EMI
The Sumeet Pareek Podcast simplifies how RBI repo rates impact home loan EMIs. When repo rates rise, interest rates and EMIs increase as well. Understanding this relationship before signing a loan agreement helps borrowers choose the right time and loan structure.
Common Home Loan Mistakes to Avoid
A crucial section of the Sumeet Pareek Podcast focuses on mistakes borrowers make—such as adding parents as co-applicants without understanding long-term risks or taking loans without reviewing their CIBIL report. Sumeet stresses that advance planning and awareness can prevent serious financial trouble later.
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Conclusion
What’s the end game? Sumeet Pareek’s insights in this episode of The Founder’s Dream India’s best Podcast highlight how important it is to understand your CIBIL score, hidden charges, and EMI planning. If you’re planning to take a home loan soon, these tips will help you make smarter decisions. Still confused about home loans and CIBIL score? Our Best podcast with Sumeet and his company Loan in Touch is just what you need to clarify any further questions.
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