Legal analysis: If there is no special agreement, the property purchased by loan after marriage should be owned by both husband and wife, and should be divided equally at the time of divorce. It should be noted that whether an individual pays the house price or both husband and wife jointly pay the house price, whether one party repays the loan or both parties jointly repay the loan, it will not affect the formation of the same property of the house. If the loan has been paid off at the time of divorce, both parties can share it equally according to the market value, and the market price of the house is subject to the evaluation value of the professional real estate appraisal company. If the loan is not paid off at the time of divorce, both parties shall share the net value of the house equally. The net value of the house is the market price of the house at the time of divorce (subject to the appraisal value of the professional real estate appraisal company) minus the unpaid principal (excluding interest).

Legal basis: Article 1062 of the Civil Code of People's Republic of China (PRC) stipulates that the following property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife:

(1) Wages and bonuses; (2) Income from production and operation; (3) Income from intellectual property rights; (4) Property acquired by inheritance or gift; (five) other property that should be owned by * * *.

Husband and wife have equal rights to dispose of all property.