Oh Sister.
This is a terrible situation to be in. Insha'Allah things get better for you.
My own instinctive reaction would be to leave this man and ran fast 🙈
When a man has the means to provide for his wife and is choosing not to by prioritizing parents who are able to look after themselves financially ( as in your case) that's major red flags for me. I've seen too many versions of this same story and the ending is mostly the same.
If you own the property and the papers are on your name only then legally he has no claim to your property but under exceptional circumstances he may be able to establish “an equitable interest" in the property by demonstrating he was contributing financially to it (like paying for bills, home renovations) etc., it happened to my aunty who was in a terrible marriage and even though the house was on her name and she paid for everything, but my uncle was the one who kept all the receipts (even for things like kettles/iron/tv, etc., and when paying for an extension on the house my aunty paid in cash and my uncle got the receipts made out in his name and when that relationship broke down he took her to court and was awarded a financial stake as he was able to prove he financially contributed to the house for decades as he claimed his understanding was that there was a mutual understanding and agreement based on trust that he had a stake in this house. My aunty also only had a Nikaah and not a civil wedding.
If he has no money now to buy this house with you, how on earth is the going to pay you back over 5 years while also paying a mortgage on the property his parents stay in? His intentions might be genuine but unless he's a very very high income earner this is not feasible whatsoever.
Who is going to pay for the bills? You, or him or both?
I think you both need to sit down together and have an open chat about finances. Like the other poster said, finances are a major contribution factor for relationships breakdowns. You need to be brutally honest about what you want from this marriage and whether he's able to meet your needs. If he doesn't respect your relationship now (in my opinion he doesn't as he's choosing to not provide you with a home when he has a home) then what makes us think he will in the future?
Please think long and hard before having kids with a man like this. I say this with a lot of love to you.
Out of curiosity what is your husband's ethnicity? I'm Pakistani and this issue is rampant within my community.
Stay strong Insha'Allah