Should I apply for a portfolio loan first or later to buy a house in Wuhan?

Now it is not so easy to buy a new house, handle a portfolio loan and transfer to public business in Wuhan. Due to the slow issuance of provident fund loans, many developers directly refused to accept public loans. In addition, many banks only accept commercial loans to pure provident fund loans, and the amount of provident fund loans is so much. It is conceivable that commercial loans are difficult for the public. Let's take commercial loans first, and wait for the provident fund loan amount to be more.