The property agreement must be in writing.
If there is no evidence to prove that the woman's provident fund belongs to the woman's personal property at the time of divorce, then the woman's married provident fund income belongs to the husband and wife's joint property. If the woman uses the joint property of husband and wife to repay the pre-marital housing loan, the money paid for the joint repayment after marriage and the corresponding value-added part of the property belong to the joint property of husband and wife.
Although the house is still owned by the woman at the time of divorce, the woman needs to compensate the man for some money.
legal ground
Article 19 of the Marriage Law
Husband and wife may agree that the property acquired during the marriage relationship and the pre-marital property shall be owned separately, jointly or partly separately and partly jointly. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 17 and 18 of this Law shall apply.
Judicial Interpretation of Marriage Law (II) Article 11
During the marriage relationship, the following property belongs to "other property that should be jointly owned" as stipulated in Article 17 of the Marriage Law:
(1) Income obtained by one party through personal property investment;
(2) Housing subsidies and housing accumulation funds actually obtained or should be obtained by both men and women;
(three) the old-age insurance and bankruptcy resettlement compensation actually obtained or should be obtained by both men and women.
Judicial Interpretation of Marriage Law (III) Article 10
If one of the husband and wife signs a real estate sales contract before marriage, pays the down payment with personal property and borrows from the bank, and repays the loan with the husband and wife's common property after marriage, and the real estate is registered in the name of the down payment payer, the real estate will be handled by both parties through agreement at the time of divorce.
If no agreement can be reached in accordance with the provisions of the preceding paragraph, the people's court may decide that the real estate belongs to the party with registered property rights, and the unpaid loan is the personal debt of the party with registered property rights. At the time of divorce, one party to the property registration shall compensate the other party according to the principle stipulated in the first paragraph of Article 39 of the Marriage Law.