One: It's troublesome to move your boyfriend's account to Qingdao, but the loan problem is easy to solve after moving to Qingdao, which also saves you so many worries.

Two: borrow money in your own name, and your boyfriend pays the down payment. This requires his full consent. Since your boyfriend trusts your feelings so much, why are you so worried? You can also sign an agreement between the two of you, stating the situation and future property ownership.

Three: borrow money in your name and add your boyfriend's name to the house purchase contract, so there are two names. Then sign an agreement to explain the situation and the final ownership issue.

The ownership of real estate mainly depends on whose name is on the real estate license (or the purchase contract filed by the Housing Authority) and who the real estate ultimately belongs to. Like the second method, the final ownership is yours, and the third ownership is yours, that is, each person holds 50%. If you want to solve your worries in the future, you can sign an agreement, write down the situation and the final property problems in the agreement, and do legal notarization.