| Factor | Impact on Rate | ICICI’s Specific Policy | | :--- | :--- | :--- | | | High (1-2% variation) | ≥ 750 → Lowest rate (8.40%); < 650 → Up to 10.50% | | Loan-to-Value (LTV) | Medium | LTV ≤ 75% → lower rate; LTV > 80% → higher spread | | Gender | Low (~0.05%) | Women borrowers get 0.05% concession | | Loan Amount | Low | Above ₹75 lakhs may attract +0.10% due to risk weight | | Employment Type | Medium | Salaried (stable) < Self-employed (slightly higher) |