QUOTE(Soony @ Jul 12 2014, 05:28 PM)
Its a bit hard to get loan when you just started working, adding on he is also a TR. Heck, even when I am earning so much it is so hard to get a loan when you are a TR.
Well, what the bank doesn't know.......seriously, in the 7 years I banked with CBA they have not once asked for any proof of residency or citizenship. They just assume I'm local because I set up my account with a local driver's license

. Also TR is usually no impediment to a house loan as the bank has the house as security, although it pays to keep your LVR low.
Lending criteria is quite easy actually, the difference is in the amount they'll loan you. Banks generally only require that your job be a permanent position and you have 3 months worth of payslips. As long as you have no bad debts or payment records you're all good.
Note that if you do not make any requests for credit or increase any limits, your credit score goes up by around 2 to 3 percent every 3 months. Barring bad records of course.