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After marriage, parents pay down payment and parents repay the loan.
Legal analysis: After marriage, parents pay a down payment to buy a house. If parents don't make it clear that it is a gift to one parent's child, and only one person's name is registered on the real estate license, it is regarded as a gift to both husband and wife. The house belongs to the same property of both parties. At the time of divorce, both parties negotiate on their own how to divide it. If negotiation fails, the court will decide.

Legal Basis: Interpretation of the Supreme People's Court on the Application of the Marriage and Family Law of the Civil Law of People's Republic of China (PRC) (I) Article 29 If both parents contribute to the purchase of a house before marriage, the contribution shall be deemed as a personal gift to their children, except that the parents explicitly indicate that it is a gift to both parties.

After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.