Legal analysis: the car and loan bought by husband and wife after divorce belong to the same property and debt, and they need to be divided equally through negotiation when divorce. If both husband and wife still have outstanding bank loans for some motor vehicles, it is generally necessary to determine that the party who obtained the motor vehicle will repay the outstanding bank loans when making a judgment, and divide the market value of the motor vehicle on the basis of deducting the outstanding loans.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1087 At the time of divorce, the 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.

Article 1089 At the time of divorce, husband and wife shall jointly pay off their debts. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.