1. If you have not paid provident fund, you cannot apply for provident fund loan. If you want to buy a house, you can only use commercial loan.

2. If you buy a house, you can settle down after the real estate certificate is processed according to the settlement policy. However, some places also have restrictions. For details, you have to ask the local police station’s household registration window to see if you meet the local settlement conditions. Based on personal experience, Suzhou’s settlement policy is not that strict, as long as you buy a house. , and if you have a job in the local area and have paid social security for one year, you should be able to settle down.