If you don't have a marriage certificate, you can write two people's names on the real estate license, so you can write several people's names on the real estate license when you buy a house. There are usually no specific rules. And if it is a pre-marital loan, if * * * repays the loan after marriage, then the part repaid by * * * belongs to the same property. In case of divorce, it shall be divided by mutual agreement. If the agreement fails, the court shall make a judgment according to law. Legal basis: the Supreme People's Court's interpretation on the application of marriage and family in People's Republic of China (PRC) Civil Code.

(1) Article 78

Husband and wife sign a contract for the sale of real estate before marriage, pay the down payment with personal property and borrow money from the bank, and repay the loan with the same property after marriage. If the real estate is registered in the name of the down payment payer, the real estate will be handled by both parties through agreement at the time of divorce.

If no agreement can be reached in accordance with the provisions of the preceding paragraph, the people's court may rule that the real estate belongs to the registrant, and the outstanding loan is the personal debt of the registrant. At the time of divorce, one party to the real estate registration shall compensate the other party according to the principle stipulated in the first paragraph of Article 1087 of the Civil Code.