Since you already own a house, if you directly write your and your girlfriend’s names on the property certificate when purchasing the house, it will naturally be regarded as a second house.

If your girlfriend does not have a house in her name, it is recommended to purchase a house and get a loan directly in her name, and then get a marriage certificate. After that, you can apply to use the provident fund of both husband and wife to repay the loan together.

If you are worried because most of the expenses are paid by the husband’s family, you can also add your name on the real estate certificate after purchasing the house. However, it is natural that some expenses will be incurred.