legal analysis: in this case, the house is the personal property of one party, and the other party has no right to demand division at the time of divorce. However, the spouse who participates in the repayment of the loan with * * * has the right to ask the other party to return the paid-off part. What needs to be clear here is that * * * repays the loan with one party's personal salary or the wages of both parties, which should be regarded as * * * repaying the loan with the same. Therefore, when a house with a loan is divorced, the party who repays the loan can ask the other party to return the loan payment. For the appreciation of the house, you can also request compensation.

Legal basis: Article 187 of the Civil Code of the People's Republic of China, when divorcing, the joint property of husband and wife shall be handled by both parties through agreement; If the agreement fails, the people's court shall make a judgment according to the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party. The rights and interests enjoyed by a husband or wife in the contracted management of family land shall be protected according to law.