Legal analysis: you can borrow money to buy a house without a marriage certificate, but there are the following precautions. Two people who don't have a marriage certificate can buy a house together, that is, two people's names can be written on the real estate license, so the house belongs to two people with the same property, and there is a * * * * relationship; However, when making a loan, the same loan is not allowed, and one of them must be confirmed as the main lender. When making a loan, both parties need to negotiate and confirm the relevant matters of the loan. For example, both parties confirm that one party is the main lender and negotiate to determine the proportion and amount of their respective loans. Among them, when lending, they can't use their housing provident fund to lend together. When buying a house before marriage, we must pay attention to writing the names of two people on the real estate license, and sign a supplementary agreement on the investment ratio of both parties to prevent unnecessary disputes in the future.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1062 The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to both husband and wife: (1) wages, bonuses and labor remuneration; (2) Income from production, operation and investment; (3) Income from intellectual property rights; (4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law; (five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of the same property.

Article 299 Some people of * * * and * * * are entitled to the real estate or chattel owned by * * * *.