not to act like an expert, just to share my working experince as an auditor in banking and investment industry.

In your scenario, you're gonna have unfavourable credit reputation with banks, being categorised under high risk customer. they wont care how your story is, everyone has their own financial story, they only work on black and white.

bottom line, you still can apply for bank facility provided you can proof ur earning power, 3-6 consecutive months pay slip is the best, if not with fixed deposit cert(s) of a few thousands, preferably more or land and property rights (property inherited from elders) hoping to lower down your credit risk. However, if you wanna get a big loan approved ie housing loan etc is still difficult

My suggestion, you have to establish your own credit reputation from ground, get a very simple credit card, dun spend too much and pay every month on time. credit card is the easiest to get approved since credit card sales are dropping alot which is one of the bank's most profitable product. then with a couple of years of good paymaster record and income proof, few years working experience. you increase your chances to get bigger loans approved. These are the "black and white proofs" all banks are relying.