Hello, the ownership of real estate needs to consider many factors, such as the time of buying a house, whose name is registered, the nature of the money used and so on. This requires detailed analysis. The following information is for your reference:

1. If one party buys a house before marriage and both parties jointly repay the loan after marriage, in practice, the house will be recognized as one party's personal property before marriage. If there is no other agreement between the two parties at the time of divorce, the other party can only get half of the money paid by both parties to repay the loan and the corresponding property appreciation part of the house. The remaining unpaid part is not the subject of divorce, but the personal debt of one party;

2. When a married party uses his personal property to pay the down payment and the husband and wife's joint property to repay the loan, if it is only registered in his name, if the personal property of TA is not confused with the husband and wife's joint property, it is generally recognized as one party's personal property, and the husband and wife's joint repayment part and the corresponding value-added part belong to the husband and wife's joint property, and the other party can claim division;

3. After marriage, one party uses the joint property of husband and wife to pay the down payment, and uses the joint property of husband and wife to repay the loan. When registered in the names of both parties, it is the joint property of husband and wife; When registered in the name of one party, if it is not clearly agreed to be owned by one of the spouses, it generally belongs to the joint property of the husband and wife.

The problem of real estate division is more complicated. The above answers are for reference only. If necessary, you can provide detailed information, and we will provide you with further professional answers.