If one party pays the down payment in the name of an individual before marriage and applies for mortgage, if it obtains the ownership of the house after marriage, whether it is registered in the name of one party or both parties, it will be recognized as the joint property of husband and wife, and it will be divided as the joint property of husband and wife at the time of divorce; For the down payment paid by one party before marriage, the down payment can be deducted from the purchase price and returned to the party who paid the down payment, and the remaining property can be divided equally.

If one party pays the down payment in the name of an individual before marriage and applies for mortgage, and obtains the ownership of the house before marriage and registers it in the name of one party, it shall be deemed as the personal property of one party, and the part of the loan repaid with the joint property of husband and wife after marriage shall be returned by the party enjoying the ownership; The party that does not enjoy the ownership demands to divide the corresponding income of the value-added part of the house.