There is only one name for your spouse in the house purchase contract, no problem. When an applicant applies for a loan, the financial institution must know his marital status. Knowing that you are married, in order to prevent the borrower from making excuses not to repay the loan in the future, he will come to you to pay back the money (because you are his spouse). You refused because you didn't know, so when applying for a loan, he signed in the column of "Borrower" and you signed in the column of "Legal * * * Someone" (regardless of the name of the house purchase contract). In the future, you can't excuse yourself for not knowing. This is a rigorous reflection of the conclusion of the loan contract.

The concept of "joint property of husband and wife" is strictly defined by law. Check it yourself, so I won't go into details here.