After marriage, if the husband and the wife jointly repay the loan, they can advocate the division of the joint repayment and the corresponding value-added part when dividing the divorced property;

According to the provisions of the Civil Code, the income of one or both spouses belongs to the joint property of husband and wife, so even if the woman repays the loan with her own personal income, it legally belongs to the use of the joint property of husband and wife to repay the loan. When divorcing, the man can claim to divide the joint repayment and the corresponding value-added part;

Therefore, in order to avoid property disputes, it is best to conclude a marriage property agreement, stipulate the share and ownership of each other's property, and ensure that the woman uses her personal property to repay the loan to avoid property disputes.

Relevant laws "Civil Code"

Article 1062: The following property acquired by the husband and wife during the marriage relationship is the joint property of the husband and wife, which is jointly owned by the husband and wife:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(5) Other property that should be jointly owned.

Husband and wife have equal rights to dispose of common property.

Article 78 of Interpretation of Marriage and Family in Civil Code (I): One spouse signs a real estate sales contract before marriage, pays the down payment with personal property and borrows money from the bank, and repays the loan with the joint property of husband and wife after marriage. If the property is registered in the name of the down payment payer, the property will be handled by mutual 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 rule that the real estate belongs to the registrant and the outstanding loan is the personal debt of the registrant. At the time of divorce, according to the principle stipulated in the first paragraph of Article 1087 of the Civil Code, the party that handles the registration of real estate shall compensate the other party for the money paid by both parties after marriage and the corresponding value-added part of the property.