1. Who owns the house when the parents pay the down payment, as the case may be:

(1) If the house is registered in their own name and the mortgage is repaid before marriage, it belongs to their own personal property;

(2) If the parents pay the down payment, and the house loan is repaid by the married couple with the same property, it belongs to the husband and wife with the same property.

2. Legal basis: Article 28th of the Civil Code of the People's Republic of China

The establishment, alteration, transfer and extinction of real estate rights shall be registered in accordance with the law. The establishment and transfer of the real right of movable property shall be delivered in accordance with the law.

Article 212

The registration authority shall perform the following duties:

(1) Examining the ownership certificate and other necessary materials provided by the applicant;

(2) Asking the applicant about relevant registration matters;

(3) truthfully and timely register relevant matters;

(4) other duties as stipulated by laws and administrative regulations.

if the relevant information of the real estate applied for registration needs to be further proved, the registration authority may require the applicant to supplement the materials, and may conduct on-site inspection if necessary.

2. What are the conditions for applying for a loan

1. Have a legal and valid residence status;

2. There is a contract or agreement for purchasing shops and houses;

3. Have a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule;

4. There is a down payment of not less than 5% of the total price of the purchased store;

5. Agree to use the purchased shop as collateral or provide assets recognized by the lending bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint and several liabilities.