When a lover borrows a bank loan, both husband and wife have to bear the loan repayment. According to Article 24 of the Supreme People's Court's Interpretation on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China (II), during the marriage relationship, debts incurred by one spouse in his own name shall be treated as debts incurred by the husband and wife. Therefore, the borrower of private lending is a husband or wife, and the debt should be borne by the husband and wife.

After marriage, how should both parties repay the loan?

Article 10 of the Judicial Interpretation of Marriage Law stipulates that 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 same property after marriage. If the real estate is registered in the name of the down payment, the real estate shall be handled by both parties through 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 decide that the real estate belongs to the party with registered property rights, and the unpaid loan is the personal debt of the party with registered property rights.

In case of divorce, both parties shall compensate each other according to the principle stipulated in Article 1087 1 of the Civil Code.