In this case, would joint ownership be appropriate?

‌Currently, I am the sole breadwinner and my wife is a full-time homemaker.
Every month, I deposit a total of 3.5 million KRW into my wife's account: 3 million KRW for living expenses and an additional 500,000 KRW for her personal allowance.
In addition, I have recently been saving and sending about 40 million KRW per year to cover the interim payments for an apartment we recently subscribed to.
My own allowance is only about 500,000 KRW, and I don't even spend that much.
I often end up covering gas money and other small miscellaneous expenses separately.
Living this way, the minimum maintenance cost is about 8 million KRW per month, which is nearly 90 million KRW per year.
Since my income is not as good as it used to be, I am currently maintaining this lifestyle by using my previous emergency funds.
When paying the interim installments, my wife contributes about 12 to 14 million KRW from her freelance income.
Even so, looking at the ratio of economic burden, it is almost 9:1.
Because the financial burden I carry is so heavy, I want to put the property in my name,
but my wife is insisting on joint ownership, claiming that I am ignoring her work as a full-time homemaker.
And what makes me angriest is that my wife has 100 million KRW in savings from before we were married, yet
she is unwilling to contribute even a small amount of that money toward the apartment's interim payments.
I am the one overextending myself to handle the entire financial burden, but my wife refuses to help even though she is in a position to do so, and it feels so unfair that she only wants to claim the rights and benefits without the responsibility. I don't want to agree to joint ownership.
Summary
Wife: Full-time homemaker / Contributes 14 million KRW annually / Insists on joint ownership / Has 100 million KRW in separate emergency funds but refuses to contribute
Husband: Sole breadwinner / Contributes 90 million KRW annually / Insists on individual ownership / If joint ownership is desired, the wife must contribute her emergency funds to the interim payments
I don't know if I am being cold-hearted or strange.
My wife says she will agree to my name on the condition that we sign a memorandum stating that in the event of a divorce, the apartment assets will be split 50/50, but the fact that she is even considering divorce enough to suggest such a memorandum is just infuriating.