Legal analysis: it is not the common property of husband and wife for the man to buy a house before marriage and repay the loan after marriage. If one spouse buys a house with personal property before marriage and mortgages it, and the property right is registered in his own name, the house is still his personal property and the mortgage loan is his personal debt. After marriage, one of the husband and wife participates in paying off the loan without changing the nature of the house as personal property. When divorce divides property, the house is personal property, and the remaining outstanding debts are personal debts. The returned loan, which belongs to the part solved by one spouse, shall be returned.

Legal basis: Article 1065 of the Civil Code of People's Republic of China (PRC) stipulates that the property acquired during the marriage relationship and the property before marriage are owned by individuals, jointly owned or partly owned or partly jointly owned. The agreement shall be in writing. Where there is no agreement or the agreement is unclear, the provisions of Articles 1062nd and 1063rd of this Law shall apply. The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is legally binding on both parties. The husband and wife agreed that the property acquired during the marriage relationship should be owned by each other, and if the other party knows the agreement, the personal property of the husband and wife should be used to pay off the debts owed by the husband and wife.