If you don't need to buy a house in Songjiang, you need to apply for a provident fund loan in Songjiang. You can choose the appropriate loan method according to your own needs and actual situation. The following are two situations:

1. If you have a stable job and income in Songjiang and meet the conditions of local provident fund loans, you can apply for provident fund loans in Songjiang. The advantages of provident fund loans are low interest rates and flexible repayment methods, which are suitable for buying the first suite or improving housing.

2. If you don't meet the conditions of local provident fund loans, or want to choose other loan methods, you can consider commercial loans. The interest rate of commercial loans is relatively high, but you can choose different repayment methods and terms according to your own needs and actual situation, which is suitable for buying second-hand houses or commercial real estate.