Why can two people of similar age & same salary get very different loan terms?

A 35-year-old person earning ₹16 LPA can get 8.5% interest with a 25-year-repayment period for a ₹50 lakh loan, while another of similar age and salary can get the loan at 9.8% interest with 24-year period. This is because loan terms aren't decided just by salary. Credit score, repayment history, credit card usage, job stability and loan history also count.