The answer is as follows:

For a home purchase loan, there will be a lender's name on the contract. This person is the "lender". In addition to the lender, there can be multiple** *Same as the repayer (that is, the owner of the house).

If the names of your mother and you are on the loan contract, it means: the primary lender is your mother and you are the secondary lender (*** and repayer). When applying for the real estate certificate, you Both names will be written on the property certificate. If there is no agreement on the share of the house, the property rights of the house will be 50 each for you and your mother.

In addition, there is no concept of "head of household" in home purchase loans. The term "head of household" is only mentioned in the "household registration book". That was the previous concept of public housing, which had one head of household. Now there is no "head of household" on the property certificate of the house, only *** and ***.