Legal analysis: 1. If one of the husband and wife pays part of the house payment before marriage, they will jointly repay the loan after marriage, or if one of them repays the loan with personal property, the two parties can negotiate and handle it when they divorce without obtaining the real estate license. If negotiation fails, the people's court should not judge the ownership of the house when dividing the property, but should judge the use of the house by the parties according to the actual situation. It is generally believed that one party's premarital property is personal property. If one party goes through the mortgage formalities before marriage and obtains the title certificate, it should belong to the property before marriage. 3. If the title certificate is registered in the name of one party, but the spouse has evidence to prove that the loan was repaid when buying a house before marriage, the house will still be the personal property of the title certificate registrant at the time of divorce and property division, and the remaining outstanding debts will be his personal debts, but the part of the down payment and the returned loan that is contributed and settled by the spouse shall be returned. 4. If the property right certificate is registered in one party's name, and the spouses have evidence to prove that they jointly contributed when buying a house before marriage, and there is evidence to prove that they jointly contributed on the premise that both parties agreed that the house purchased should be jointly owned by * * * *, then although the property is registered in one party's name, it should still be regarded as the joint property of husband and wife, and the division should be handled according to the principle of * * *.

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 1079 If one of the spouses requests a divorce, the relevant organization may mediate or directly file a divorce lawsuit with the people's court.

When trying divorce cases, the people's court shall conduct mediation; If the relationship has indeed broken down and mediation is ineffective, divorce should be granted.

In any of the following circumstances, if mediation fails, divorce shall be granted:

(a) bigamy or cohabitation with others;

(2) committing domestic violence or abusing or abandoning family members;

(three) gambling, drug abuse and other bad habits;

(four) separated for two years due to emotional discord;

(5) Other circumstances that lead to the breakdown of the marriage relationship.

If one party is declared missing and the other party files a divorce lawsuit, the divorce shall be granted.

After the people's court ruled that divorce is not allowed, if the two parties have separated for one year and one party files a divorce lawsuit again, divorce shall be granted.