Legal analysis: the divorce of the house bought by loan is decided by both parties through consultation. The property acquired by one party before marriage, regardless of whether all the purchase money has been paid, belongs to the property right house. If part of the purchase price is paid by real estate after marriage, when the real estate is divided by divorce, the party who obtains the real estate will compensate the other party.

Legal basis: Article 1087 of the Civil Code of People's Republic of China (PRC). At the time of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on 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 husband and wife in the contracted management of family land are protected according to law.