Legal analysis: this house belongs to pre-marital property. 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: Civil Code of People's Republic of China (PRC).

Article 1063 The following property is the personal property of one of the spouses:

(1) one party's premarital property;

(2) Compensation or compensation obtained by one party for personal injury;

(3) Property that is determined to belong to only one party in the will or gift contract;

(4) Daily necessities used exclusively by one party;

(five) other property that should be owned by one party.

Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of 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.