Yes. If you want a credit card, you must have an indefinite contract at work so that they can be sure that you have enough funds to pay it off. The amount of the allowed minus is usually 2-3 monthly salaries. As for the loan: also an indefinite contract. The amount depends on the salary, the monthly installment cannot exceed, I think, more than 1/3 of the salary. For some loans, you need a deposit or proof that you have the ability to repay such a large loan (usually proof of ownership of real estate or perhaps shares). And housing loans are most often taken out with a mortgage. You "give" the apartment you buy on credit as a cover for the loan you use to buy that apartment. When you pay off the loan, the apartment is 1/1 yours. That's how we bought an apartment... that is, we are in the process of buying it. We haven't paid all of it yet. People who are employed in government companies are the best candidates since it is very difficult to get fired there. So bank is sure you are going to be able to pay. Credit cards and shopping cards follow the principle of a permanent order (lietral translation). The bank collects its installment automatically every month until it's all paid out. You don't have an option where you don't pay, unless you don't have funds in the account, but usually payments are made from the current account - the one on which your salary is deposited.

Also, I am not aware we have somethinhg similar to credit score company. Maybe our tax office does some mediation in this sense.