Legal analysis:

1. When the husband and wife divorce, the husband and wife should be included in the distribution together with the property and debts.

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. 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:

According to article 1089 of the Civil Code of People's Republic of China (PRC), when divorcing, the debts of husband and wife are the same. * * * If the same property is not paid 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.