If you want to stay in France, I suggest you to buy a house/aprt.
If I were you, I would pay 30-50% of the total price as the down payment for the following reasons :
- You said that your husband can't afford it alone and you however want your own property in France. From your description, I don't think that you have the complete trust in your marriage, so 30-50% doesn't let you risk all your pre-marriage savings.
- Why should you pay 30-50% from your own pocket? both of you need to invest in your marriage and il seems that only your husband make money since years. Yes you also contribute to your family as a housewife, but you can't calculate too much as the love/couple life is always 一笔糊涂账.
- You don't need anymore to pay the rent. With 30-50% down payment, your monthly loan payment = the rent. It will not impact your standard of life. It's a saving for the whole family.
- You have a kid. You spend for whom you love. Economically you will only lose 15-25% in the worst case.
- Your husband will appreciate it. That may improve your relationship.
Sorry for my poor English (can't type Chinese). I must be fool
Hope it helps.
楼主 
