1. If two people get divorced, what should happen to the pre-marital loan? Professionals will answer!

Whoever has the loan in his name must repay it. The loan is divided into borrowers and guarantees. People, women are loans. If you are the guarantor, you will be jointly and severally liable. When she repays, she will ask for it from you. If the loan has expired, you can repay the interest first and refinance it. Otherwise, the interest rate will be very high. If you pay off the interest for a long time after maturity, your loan will be in good condition and you will not be able to pay it back until the bank urges you. You will go to court next time. Generally speaking, banks will take that route. Even if you go to court, they will still ask your wife for the money first. If she actually repays it, you will be held responsible. It depends on whether you are the guarantor. This is very important. If so, you basically have no responsibility.

2. What to do if a couple gets divorced if they have the same loan before marriage

Legal analysis: The debt must be repaid together, and divorce does not separate the repayment of the debt.

Legal basis: Article 1064 of the "People's Republic of China and Civil Code" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple.

Debts borne by one spouse in his or her own name during the marriage, which exceed the daily needs of the family, are not joint debts of the couple; however, the creditor can prove that the debt is used for the joint purpose of the couple. Exceptions include life, sex, production and operation, or based on the consent of both spouses.