Legal analysis: 1. When a husband and wife divorce, their property and debts should be included in the distribution.

2. According to the laws of our country, if one of the spouses buys a house in his own name during the existence of the relationship between husband and wife, the debt of the mortgage loan of the house shall be borne by both husband and wife.

3. 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 same property after marriage. If the real estate is registered in the name of the down payment, the real estate shall be handled by both parties through agreement at the time of divorce.

If no agreement can be reached in accordance with the provisions of the preceding paragraph, the people's court may decide that the real estate belongs to the party with registered property rights, and the unpaid loan is the personal debt of the party with registered property rights. At the time of divorce, the party that has registered the property right should compensate the other party for the money paid by both parties after marriage and the corresponding value-added part of the property.

4. After negotiation, both husband and wife can repay the loan by one of them and go through the loan formalities at the bank.

Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC) stipulates that the following property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife:

(1) Wages and bonuses;

(2) Income from production and operation;

(3) Income from intellectual property rights;

(4) Property acquired as a gift, except as provided for in Item 3 of Article 1063 of this Law;

(five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of all property.