Legal analysis: if the house is purchased by one party before marriage and registered in its own name, then the mortgage belongs to that party's personal debt and has nothing to do with the other party. If the house is bought within marriage, it belongs to both husband and wife, no matter whose name it is registered in. Mortgage belongs to the same debt of husband and wife: if both parties agree to divorce, the repayment method of house loan can be agreed in the divorce agreement. If both parties bring a lawsuit to the court, the court will generally award the housing loan and the ownership of the house to one party at the same time, and at the same time, the party who obtains the house will pay the house discount to the other party. After the divorce, the housing loan becomes the personal debt of the party who obtains the house.

Legal basis: Article 41 of the Marriage Law of the People's Republic of China. At the time of divorce, the debts incurred by the husband and wife living together shall be paid jointly. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.