Eligibility criteria-home loans

Greetings

Kindly provide more information about your home loan eligibility criteria in terms of a clients payment behavior,

When assessing does FNB Home loans look at the applicants profile for the past 6 or 12 months(how far back do you go),I have Enquired with My bank and was advised that they look at 12 months,wanted to find out if the practice is standard accross the board.