There is now a new government-funded loan program that is about to start, funding up to 75% of the loan interest-free while the rest is funded by private banks and is subject to a relatively low interest rate. This led me to think about taking a loan and purchasing an average two-bedroom apartment, but I have the concerns that I voiced earlier.
You've been with this very girl for over four good years and you guys have been loving together and even share utility bills and you guys are still also in a very serious relationship?
Mehhh I don't know what country you are but if is in my country, then I'm wifying her and I don't care what people have to say. But in the other hand, character also matters alot and from the tune at which I read this post, it seems there is something OP isn't ok with like character or something and since you guys aren't married yet, it isn't late yet to address this issue as truly communication matters alot in every relationship.
On the other hand, I barely would advise someone to take a loan in buying a house because I don't see reasons to do so but since the loan is an interest free one, then you shouldn't hesitate to get one if it can cover the cost of getting the two bedroom apartment you desire.