The car loan for marriage loan means that the debts of both husband and wife are the same, so both husband and wife need to be present when requesting approval. \x0d\ 1。 On the problem of husband and wife sharing debts. According to Article 4 1 of the Marriage Law of the People's Republic of China, \x0d\ the so-called joint debts of husband and wife refer to the debts incurred by both spouses or one of them during the existence of the marriage relationship in order to maintain the needs of * * * or engage in business activities for the purpose of * * *. It can be seen that there are two conditions for husband and wife to be in debt. One is the time condition: the duration of marriage. The second is the objective condition: cohabitation. \x0d\ II。 Whether the mortgage loan belongs to the same debt of husband and wife. \x0d\ According to the provisions of Articles 2 1 and 23 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of the Marriage Law of the People's Republic of China (II), \x0d\ If one of the husband and wife purchases a house with personal property before marriage and mortgages it, and the property ownership certificate is registered in his own name, the house is still his personal property. Similarly, mortgage loans are personal debts. After marriage, one of the husband and wife participates in paying off the loan without changing the nature of the house as personal property. Therefore, when divorce divides property, the house is personal property, and the remaining unpaid debts are personal debts. The returned loan, which belongs to the part solved by one spouse, shall be returned. According to your account, the house purchased by the man with the investment of 1 10000 yuan before marriage belongs to his personal property, and the bank loan owed for 15 years also belongs to his personal debt.