After marriage, both husband and wife live in one of the houses, so the other party needs to pay 50% of the loan when buying a house. In other words, husband and wife * * * both enjoy the property purchased before marriage, and * * * both parties share the expenses related to real estate such as mortgage. This regulation aims to ensure the common interests and responsibilities between husband and wife, avoid mortgage disputes caused by changes in marital status, and provide more choices and mutual trust for husband and wife to buy houses together.