What does the bank look at, here in Thailand, in terms of getting a mortgage?

My income is not easily verifiable accept regular bank deposits and wondering how much scrutiny is done by the banks if putting 10 or 20% down on a house with my wife.

Thanks!

_{I co-signed a mortgage about 7years ago for Mrs Soutpeel, who at the time wasnt Mrs Soutpeel.....SCB wanted a letter from my employer in Thailand stating I was in a "permanent position" in Thailand, they wanted 12 months payslips, copy of the WP/PP and I think that was it}