Legal analysis: if you buy a house before marriage and pay the house price in full, it is regarded as personal pre-marital property, and you will not participate in the division of joint property of husband and wife when you divorce. If the down payment is paid before marriage and the rest is mortgaged, the name of one party (or one parent) is listed in the real estate license. The real estate itself is an individual's pre-marital property, but the mortgaged part paid after obtaining the certificate belongs to the joint property of the husband and wife and can be divided when divorced. Whoever buys a house after marriage, no matter whose name is written on the real estate license and who pays more down payment, the house belongs to the joint property of husband and wife.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1062 The following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife, which is jointly owned by husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(5) Other property that should be jointly owned.

Husband and wife have equal rights to dispose of common property.

Article 1063 The following property is the personal property of one spouse:

(1) one party's premarital property;

(2) Compensation or compensation obtained by one party for personal injury;

(3) Property that is determined to belong to only one party in the will or gift contract;

(4) Daily necessities used exclusively by one party;

(five) other property that should be owned by one party.

Article 1065 A man and a woman may agree that the property acquired during the marriage relationship and the property before marriage shall be owned separately or jointly, or partly separately or partly jointly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply.

The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties.

Husband and wife agree that the property acquired during the marriage relationship shall be owned by each other, and if the other party knows this agreement, the personal property of one spouse shall be used to pay off the debts owed by one spouse.