Legal analysis: 1. First of all, whose name is written on the real estate license has nothing to do with who pays the down payment and who loans (provident fund loans and commercial loans). The key depends on who signed the purchase contract and whose name will be reflected in the real estate license. If two people sign (or even more than one person), then the main purchaser holds the property ownership certificate and the others hold the property ownership certificate. 2, because the provident fund loan is a family unit (including husband and wife, excluding children and parents), that is to say, one of the husband and wife applies for a loan, one is the main applicant, and the other is the same applicant, and the principle of whoever buys a house will be implemented. Because you are not married, the purchase contract must be signed by two people (at least he has to sign) before you can use his provident fund loan.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.