Answer: The Shanghai High Court does not directly consider the factors affecting the time of obtaining the property right certificate, but takes the time of signing the purchase contract to obtain the "right of expectation" and the payment situation as the factors. If the house purchase contract is signed before marriage and the down payment is made before marriage, even if the loan continues to be repaid after marriage, the house property should still be deemed as personal property before marriage when divorce occurs. However, the Jiangsu High Court took the time when the property right certificate was obtained as the node. For details, see the Summary of the Seminar on the Application of Law on Difficult Issues in Marriage and Family Cases of the First People's Court of Jiangsu High Court.
