Core Insights - In China, homeownership is closely tied to marriage, with young people typically purchasing homes around the age of 27, significantly earlier than their Western counterparts who average 35 years old [1] - The expectation for homeownership before marriage has led many families to take on substantial debt, often resulting in financial strain [1][3] Group 1: Homeownership and Marriage - For women, a new home symbolizes the beginning of a new family and marriage life, leading to a desire for their names to be included on the property deed [3] - Experts advise against both parties signing the property deed to avoid financial disadvantages in case of divorce and to prevent restrictions from purchase policies on subsequent properties [4] Group 2: Divorce and Financial Implications - The divorce rate in China is notably high at 43.53%, with individuals born in the 1980s being the most affected, complicating property division during divorce [6] - If a property is solely funded by one partner but includes the other’s name on the deed, the contributing partner may face significant losses during asset division [6] - Jointly named properties can hinder the ability to purchase a second home due to government restrictions, leading to the phenomenon of "fake divorces" to circumvent these limitations [6] - Recent regulations have been introduced to limit the ability to purchase a home within three years of a divorce, aiming to curb the "fake divorce" trend [6] - Pre-marital property notarization is suggested as a prudent measure for young couples, particularly when one party is fully financing the home [6]