Legal analysis: two people without a marriage certificate can buy a house together, that is, two people's names can be written on the real estate license, so the house belongs to the common property of two people and has a common relationship; However, when making a loan, a joint loan cannot be implemented, and one of them must be confirmed as the main lender. When making a loan, both parties need to negotiate and confirm the relevant matters of the loan. Among them, when making loans, they cannot use their housing provident fund to make loans together. Pay attention to the names of two people on the real estate license, and sign a supplementary agreement on the investment ratio of both parties to prevent unnecessary disputes in the future.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 299 Co-owners by shares shall jointly enjoy the ownership of the jointly owned immovable property or movable property.

Article 300 Co-owners shall manage the jointly owned immovable property or movable property in accordance with the agreement; If there is no agreement or the agreement is unclear, all co-owners have the right and obligation to manage.

Interim Measures for the Administration of Personal Loans Article 27 Lenders shall strengthen the administration of loan issuance, follow the principle of separation of examination and loan, and set up an independent loan management department or post to implement the loan conditions and issue personal loans that meet the agreed conditions.