At present, the property of your family belongs to both husband and wife, and there is no special notarization. If the divorced parties want to distribute it, the one who is really at fault will get a lower proportion when distributing it.

The mortgage repayment method you mentioned should not affect the confirmation that both husband and wife have property rights and interests. Of course, you'd better keep some evidence about this matter, such as the WeChat chat record with your husband or his parents, which will help to confirm this situation in future court defense.

Apart from your question, I'll give you a suggestion. If there are communication problems between husband and wife, think about how to solve them. After all, divorce is harmful to both parties and the two families behind you.