真·房事相关 懂规矩有法王

先交代一下背景，我和妹子都在N线小县城，我在县直事业单位妹子是乡镇选调生。
我家在县城三套房，一栋祖宅在山边比较偏，一套在小学附近，一套新房在新区，现在我和我父母在住新区那套，小学附近那套有拆迁计划但是具体方案没定。然后我家去年刚在厦门买了套小户型首付没借钱房贷一个月挺高的，我偶尔也会帮忙还一下。
妹子家两套房，一套在我家第二套房附近，她父母和她在住一套在建的新小区留给她弟弟的。用的是妹子的公积金。
然后今天上午妹子给我扔了一个问题，我觉得我的理解没问题，妹子觉得她也没问题，然后就来问问各位ngaer，这个矛盾点到底在哪，懂规矩有法王。
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