Legal analysis: One spouse signs a real estate sales contract before marriage, pays the down payment with personal property and borrows from the bank, and repays the loan with the joint property of husband and wife after marriage. The real estate registration is settled in the name of the down payment house. After the divorce is over, the court can decide that the house belongs to the party whose property right is registered. The unpaid loan is the personal debt of the party whose property right is registered. When both parties jointly repay the loan after marriage and the corresponding property appreciation, the party with property registration will compensate the other party at the time of divorce.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1076 If a husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office.

The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.

Article 1087th 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 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 one spouse in the contracted management of family land are protected according to law.

Article 1089 At the time of divorce, the joint debts of husband and wife shall be paid off jointly. If the joint property is insufficient to pay 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.