Legal analysis: If the property is mortgaged after marriage, it should be handled according to the actual situation after divorce. As follows: 1. Before marriage, one of the husband and wife purchased the house with personal property and mortgaged the loan, and before marriage, they handled the real estate license of the husband and wife as the owner. After marriage, if both parties repay the loan together, the house is personal property; 2. One of the husband and wife buys a house with personal property before marriage and mortgages the loan. After marriage, both parties * * * repay the loan together, and if they get the real estate license after marriage, the house is personal property.

Legal basis: Article 31 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of the People's Republic of China, which is stipulated in Article 163 of the Civil Code, is the personal property of one spouse, and will not be transformed into the same property of the husband and wife due to the continuation of the marriage relationship. Unless otherwise agreed by the parties.