No need to worry about premarital assets — clearly define property additions and parental contributions

Cost: Drafting a written property agreement yourself costs nothing; notarization incurs additional fees. When parents contribute funds, ask them to provide a brief written statement. The whole process takes just a few hours. The hardest part is bringing up money matters with family members.
In plain terms: Premarital assets remain your personal property and won’t automatically become joint marital property just because you’ve been married for many years. Couples can put in writing that premarital and postmarital assets belong to each person individually. One important caveat: if you agree to add your spouse’s name to a property title, you can still revoke that agreement before completing the official registration; once registration is finalized, the property becomes their legal property. In divorce proceedings, any party that hides, transfers, squanders or falsifies debts related to shared assets may receive a smaller share or no share at all.
Benefit: Premarital assets are legally classified as personal property and do not automatically become joint marital property over time. Couples can agree in writing whether premarital assets and postmarital earnings belong to each person individually, to both jointly, or to a mix of both — such agreements are legally binding for both parties. When parents fund the purchase of a home before marriage, the money is treated as a gift to their own child unless they explicitly state it is intended for both spouses. For parental contributions made after marriage, handling follows any prior written agreement; if none exists, standard rules for joint marital property apply. If a couple agrees before or during marriage to transfer ownership of one spouse’s property to the other or to make it jointly owned, the gifting spouse can revoke that agreement prior to completing official registration; once registration is finalized, the property becomes the other spouse’s legal property. In divorce, any party that conceals, transfers, sells off or squanders shared marital assets, or that fabricates debts related to those assets, may receive a smaller share or no share at all (applies nationwide).
Evidence grade: A
Sources:全国人大 (2020). 民法典（第一千零六十三、一千零六十五、一千零九十二条）. https://www.spp.gov.cn/spp/fl/202006/t20200602_463888.shtml；最高人民法院 (2020). 关于适用《民法典》婚姻家庭编的解释（一）（法释〔2020〕22 号，第二十九、三十一、三十二条）. https://www.court.gov.cn/fabu/xiangqing/282071.html
Notes: Property agreements are equally valid for both men and women. To use such an agreement to protect yourself from your spouse’s debts owed to third parties, the creditor must be aware of the existence of this agreement; if they are unaware, they cannot enforce it against you. An unnotarized property agreement remains legally valid; notarization simply helps avoid future disputes over signatures and dates. For guidance on how to clearly document whether parental contributions toward a home purchase are loans or gifts, refer to Section 10, Article 11 (Parental contributions toward home purchases).