I am a woman from Shanghai. Parents buy a house after marriage, and the name written on the real estate license. The loan is a combination loan. I borrowed it myself. If I divorce, the man can divide the house. It is legal for the debts of husband and wife to be borne by both parties during their marriage. Generally, each person bears half of the total amount. If the other party refuses to repay the arrears after the divorce, the guarantor shall bear joint liability.

The bank's handling of loan repayment is likely to be like this:

If the other party to the divorce refuses to perform the repayment obligation or is unable to repay the debt, the guarantor will return it first, and then the guarantor will sue the debtor to recover the debt.