If you're going for home loans, try to get from the National Housing Development Center, State Mortgage Bank or NSB. Those 3 has the lowest interest rates in the country with NHDC having the lowest.
As stated above, you will be have to less that 55, a permanent employee with a salary large enough to pay the monthly amount, CLEARED title and deeds for the land or house.
Depending on the bank, you will get 60%-75% of the total value of the house as the loan.
All 3 of above institutes/banks gives a fixed rate for the loan.
ALL other banks in the country have a much higher interest rate and most of them has variable rates. HSBC is the only bank that gives 80% of the value required but their interest rate is the highest and their rate changes from time to time.