| Factor | Impact on Rate | |--------|----------------| | | 750+ → Best rate; 700-749 → 0.10-0.25% higher; Below 700 → Significant loading or rejection. | | Loan-to-Value (LTV) | Lower LTV (e.g., 60%) → Lower rate. Higher LTV (e.g., 85-90%) → Slightly higher rate. | | Employment Type | Salaried (MNC, Top Indian companies) → Lower rate; Self-employed (variable income) → Marginally higher. | | Relationship with Bank | Existing ICICI savings/salary account holder → Possible concession of 0.05-0.10%. | | Property Type | Ready-to-move-in / Resale → Standard rate; Under-construction → Same rate but disbursed in stages. |