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Your credit score is an important factor in approving a loan but not he main. If you will have documents about your income I think it almost all cases you will get a loan. Also there are special services for people like you, for example check these bad credit loans. Hope it will help!
What do you mean exactly? Like you don't have a credit history and it's you first time taking any kind of loan? From my personal experience my bank gave me a loan to buy property in Tuscany https://tranio.com/italy/tuscany based on my salaries in the past 5 years, they saw that I can pay 30% of it easily to cover their credit which they gave me for 15 years.
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