[案件简介]2005年5月,张某与某发展商签订购房协议,以个人名义购买了一套100平方米价值50万的房子,并支付了首期15万元房款。次月,银行批准了张某的购房贷款申请,签订了价值35万元的10年期贷款合同。随后,张某和女友周某办理了婚姻登记手续。婚后,仍由张某个人按月期偿还房贷。一年后,办 [Case Introduction] May 2005, Zhang signed a purchase agreement with a developer to purchase a set of 100 square meters worth 500,000 houses in his own name and paid the first phase of 150,000 yuan. The following month, the bank approved Zhang’s purchase loan application and signed a 10-year loan contract worth 350,000 yuan. Subsequently, Zhang and his girlfriend Zhou registered a marriage registration. Married, still by Zhang personal repayment of the mortgage by month. A year later, do