the house purchase contract has one name, and the real estate certificate cannot have two names. When buying a house by mortgage, only one name can be written on the contract. Because mortgage purchase can only be handled according to the principle that whoever borrows money signs it, and the signature on the purchase contract, loan contract and real estate license is unified, the reason is to avoid the loan risk of banks. If you want two people to own real estate, you can apply for a * * * title certificate, that is, the title certificate must still be one person's name, and the attached * * * title certificate can legally mark the ownership of the real estate. At the same time, both parties agree on their respective capital contribution or share, which can be reasonably divided in case of property disputes.

property buyers obtain the legal ownership of the house through transactions, and can exercise the right to possess, use, benefit and dispose of the purchased house according to law. Property right certificate, namely "house ownership certificate", is a legal certificate to protect house ownership according to law. The implementation of housing ownership registration and certification system, all localities must use the housing ownership certificate produced by the Ministry of Construction, and similar certificates produced by other departments and units are invalid and not protected by law. The certificate of the owner of the house manages and uses his own house.

legal basis: article 61 of the law of the people's Republic of China on the administration of urban real estate

to obtain the land use right by means of transfer or allocation, an application for registration shall be made to the land management department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level after verification by the land management department of the local people's government at or above the county level.

if a house is built on a lawfully acquired land for real estate development, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue a certificate of ownership of the house.

when real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land management department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

if it is otherwise provided by law, it shall be handled in accordance with the relevant laws.