1. financial ability: the financial ability of a girlfriend and her views on buying a house are very important. If she is willing to save money for this goal and can afford it economically, then she may be willing to share the responsibility of buying a house with you. However, if she is financially poor or unable to bear this responsibility, forcing her to pay may bring her unnecessary pressure and trouble.
2. Future planning: buying a house is not only a decision now, but also affects the future. You need to confirm with your girlfriend whether you will continue to live in this city in the next five years, 10 years, or even longer, and whether you have other important plans or projects. If you don't have the same future plan or are about to separate, there is no need to involve very large cash flow.
3. Fairness: If you ask your girlfriend to pay half of the down payment, you need to make sure it is fair and reasonable. If your's income is very close or the gap is very small, then this may be more reasonable. But if there is a clear income gap, then sharing the cost may be unfair to her.
4. Psychological stress: If you force your girlfriend to pay for a house, it may bring her psychological stress and trouble. Although this does not mean that you can't ask her to pay, in this process, you should try to reduce unnecessary pressure on her.
Generally speaking, it may be a reasonable or even normal decision to let my girlfriend pay half down payment, but we should carefully consider her economic situation, future planning, fairness and psychological state and fully communicate and negotiate with her. It is best to determine how everyone and the whole family can pay fixed expenses such as mortgage loans and property fees, and how to solve potential problems in advance.