Legal analysis: (1) If one party registered the real estate license in his own name in mortgage to buy a house before marriage, the house is his personal property and the mortgage loan is his personal debt. (2) If the spouse has evidence, both parties agree that the house purchased shall be jointly owned by * * * *. Although the house is registered in one party's name, it shall be regarded as the joint property of husband and wife, and the mortgage loan shall be jointly owned by * * * *.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC) * * * The debts incurred by the husband and wife with the same signature or ratified by one of them afterwards, and the debts incurred by one of them in his own name for the daily life of the family during the marriage relationship, belong to the same debts of the husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.