Urgent: We haven't got a marriage certificate yet, and the house purchase contract was signed by two people. You can't get the house ownership certificate until you get married. Can I repay the loan alone? The real estate license is in your two names, which is consistent with the purchase contract. In this case, you don't care about the pre-marital property and the post-marital property, because buying a house means you two sign it together, and the owner is also you two when you do the real estate license. Even the property before marriage is your property before marriage. You can repay the loan yourself.