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How to divorce when buying a house with a loan?
Legal analysis: if one party buys a house before marriage, pays the down payment with personal property and borrows money from the bank, and the husband and wife repay it together after marriage, the divorce shall be handled according to the agreement between the two parties. If the agreement fails, the people's court may award the house to the party registering the house after a court decision, and the remaining loan shall also be recognized as the debt of the party registering the house. The part repaid jointly with the husband and wife shall be recognized as the joint property of the husband and wife, and the party that registered the house shall make compensation.

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

Article 1062 The following property acquired by husband and wife during the marriage relationship is the common property of husband and wife and belongs to them:

(1) Wages, bonuses and remuneration for labor services;

(2) Income from production, operation and investment;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 1063 of this Law;

(five) other property that should be owned by * * *.

Husband and wife have equal rights to dispose of the same property.

Article 1087 At the time of divorce, the 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.

The Supreme People's Court's Interpretation on the Application of the Marriage and Family Section of the Civil Code of People's Republic of China (PRC) (I)

Article 78 If a husband and wife sign a real estate sales contract before marriage, pay the down payment with personal property and borrow money from the bank, and repay the loan with the same property after marriage, and the real estate is registered in the name of the down payment payer, 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 rule that the real estate belongs to the registrant, and the outstanding loan is the personal debt of the registrant. At the time of divorce, one party to the real estate registration shall compensate the other party according to the principle stipulated in the first paragraph of Article 1087 of the Civil Code.