Hello, two people’s names can be on the property certificate without marriage.

Loan repayment can be combined with the loan according to the house purchase contract.

As for whether it is your first home, it depends on whether the home purchase policy in your area is to subscribe for a house or to subscribe for a loan, or to buy a house and subscribe for a loan.

House recognition means that if a family, including the unmarried children of both spouses, has a house with the name of a member of the family, it is deemed that the family already has a house! Regardless of whether this house was bought with a loan, it is already the family's first home, and if you buy it later, it will be the second home.

Public loan means that one house in a family, including the unmarried children of both spouses, has already been purchased with a loan. If you apply for a loan to buy a second house, it will be regarded as a second house, or the house has been bought or sold. The applicant has also taken out a second mortgage, which is considered a second mortgage. The national second-home loan interest rate is 1.1 times.