Legal analysis: if divorced couples have an agreement in advance, they can handle it according to the agreed agreement in advance; However, if there is no agreement between the divorced husband and wife, after marriage, the husband and wife purchase and handle the house property with mortgage loan in the names of both parties, and the house property right is registered in the names of the individual or both parties, and the mortgage loan is repaid by both husband and wife after marriage. If there is no special agreement on the distribution of real estate between husband and wife, then the real estate should belong to the joint property of husband and wife, and the outstanding mortgage to the bank belongs to the joint debt.

Legal basis: Article 1087 of the Civil Code of People's Republic of China (PRC) (hereinafter referred to as "Civil Code"), in case of divorce, the joint property of husband and wife shall be handled by mutual agreement; If the agreement fails, the people's court shall make a judgment based on the specific circumstances of the property and the principle of taking care of the rights and interests of the children, the woman and the innocent party.

The rights and interests enjoyed by husband and wife in the contracted management of family land are protected according to law.