You didn't get a marriage certificate. Legally speaking, you are not married, so the property before marriage belongs to the property before marriage. Even if you pay the down payment and the name on the property certificate is your girlfriend, then this house belongs to your girlfriend's pre-marital property, and the law stipulates that the pre-marital property still belongs to private property when divorced after marriage. Which means this house has nothing to do with you.

That's right. If you are really divorced, it has nothing to do with you. But it can be remedied After you get married, go to the trading center and add your name to the real estate license. Although you can't buy it, you can add your name at will. Add your name and you will help pay the loan. In case of divorce, this should be separated. Don't make it too obvious, it will affect the relationship between husband and wife.