After divorce, one party buys the other party's house, which is actually an act of buying and selling houses. In the sale of houses, loans are a common way of payment. As long as buyers meet the loan conditions, such as stable income and good credit record, they can apply for loans from banks or other financial institutions.

It should be noted that due to the influence of regions, banks and other factors, loan policies and regulations may be different. Therefore, before applying for a loan, buyers need to know the local loan policies and regulations, consult relevant financial institutions or intermediaries to ensure that they meet the loan conditions and understand the specific loan process and requirements.

Know the policy: the buyer needs to know the local housing sales policy and loan policy. Relevant information can be consulted with local real estate management departments, banks or other financial institutions.

Evaluate your own conditions: Buyers need to evaluate their financial situation and credit history to ensure that they meet the loan conditions. If necessary, you can seek the help of a professional financial adviser.

Choose the right financial institution: Buyers need to choose the right financial institution or intermediary to apply for a loan. You can make a choice by comparing the interest rates, service quality and word of mouth of different institutions.

Preparation of relevant materials: Property buyers need to prepare relevant materials, such as ID card, household registration book, income certificate, credit report, etc. To prove their identity and repayment ability.

Submit the application for approval: after the buyer submits the relevant materials to the financial institution or intermediary institution, he needs to wait for the approval result. During the waiting period, the buyer needs to keep in touch with financial institutions or intermediaries to keep abreast of the approval progress and results.

To sum up, after divorce, one party can apply for a loan to buy the other party's house, but the specific policies and regulations may be different due to factors such as regions and banks. Buyers need to understand the policy, evaluate their own conditions, choose the appropriate financial institutions and prepare relevant materials, and then submit an application and wait for the approval results. During the application process, the buyer needs to keep in touch with financial institutions or intermediaries to keep abreast of the progress and results of the examination and approval.

Legal basis:

The Supreme People's Court's Interpretation on Several Issues of Application (III)

Article 10

Husband and wife sign a contract for the sale of real estate 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. If the real estate is registered in the name of the down payment payer, the real estate will 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 may decide that the real estate belongs to the party whose property right is registered, and the unpaid loan is the personal debt of the party whose property right is registered. At the time of divorce, the party that handles the property right registration shall compensate the other party for the money paid for the loan repayment and the corresponding value-added part of the property according to the principle stipulated in the first paragraph of Article 39 of the Civil Code.