Legal analysis: during the existence of the relationship between husband and wife, if one of the husband and wife buys a house in his own name, the debt of the mortgage loan of the house shall be borne by both husband and wife. If two people break up and divorce, the debt still needs to be paid by both husband and wife. However, if the husband and wife can be repaid by one of them through consultation, they can also be repaid by one of them. After the mortgage is paid off, if one spouse wants ownership, it can be settled through consultation and compensated by the other spouse. If both parties want the ownership of the house, then the husband and wife will bid, and whoever bids will have the ownership of the house.

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

Article 1087 In case 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 based on 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 husband and wife in the contracted management of family land are protected according to law.

Article 1089 Upon 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.