It depends on what you do with the loan in your name. If you buy a house in your name with a loan, it will definitely have an impact. Now it is generally the first time to buy a house with a loan. According to the national regulations, residents can get preferential treatment when purchasing the first set of commercial housing, with a down payment of 50% for the second set and a loan interest rate of 1. 1 times. Three sets of loans stopped. Its approval is based on whether you have a loan to buy a house in the bank or whether you have a house in your name.

If you use your own name now and your partner's name after marriage, through some operations, it can be counted as the first set. After all, this is the first house for a new family.