It may be more troublesome for Funing to buy a house in Yancheng City. Now, the provident fund loans are suspended, but commercial loans can still be issued, but the interest rate is high. It is conservatively estimated that it may reach seven points! If your friend bought the first suite, then he needs to go to tinghu district, Yandu District and the real estate trading center in the urban area to apply for the first housing certificate. If your friend still has a commercial house in Funing, it may not be so troublesome. Just go directly to the real estate trading center in the urban area to open the second suite certificate, depending on what the bank says. If your friend is in a hurry to buy a house, then he can only take a commercial loan, and the provident fund loan has been suspended for some reason. I hope my answer will be useful to you!